vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: NC

Complaint narrative:
PennyMac failed to pay my property taxes. 
They were notified the day I found out on or around XX/XX/XXXX. The taxes were due on XX/XX/XXXX. 

I was forced to pay the taxes myself because I could not get them to pay despite repeated phone calls. Including interest. 

They assured me that they would refund the money that they were supposed to pay the state/county. I gave them some time and leeway and they have failed to return the money. 

I currently have an excess amount in escrow - almost $ XXXX and they have failed to return it to me in a timely manner. 

I feel like their actions are a violation of law and I am submitting my complaint for this reason.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
On XX/XX/2020, I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored for my disputes and concerns. 
Section 611 ( A ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Kriya Capital, LLC
State: OH

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
I set-up my Direct Deposit from my Bank account at XXXX ( XXXX XXXX XXXX ) over to My Checking account at Wells Fargo and fund were not received to access by XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Mr. Cooper Group Inc.
State: MD

Complaint narrative:
I have learned that my husband and I received the fraudulent mortgage loan. On or about XX/XX/2016, we used the same servicer, Nationstar Mortgage LLC to apply for a mortgage refinance under the federal government 's Home Affordable Refinance Program ( " HARP '' ). Nationstar failed to comply with numerous requirements of the HARP Guideline for the HARP mortgage transaction as following : The proceeds of the refinance mortgage must be used only to : 1. Pay off the first Mortgage ( amount including only the XXXX and interest accrued through the date the Mortgage being refinanced is paid off ) 2. The proceeds from the mortgage after the proceeds are applied as described above must reduce the mortgage or the excess amount must be applied as a principal curtailment to the HARP mortgage. 
3. Under no circumstances may cash disbursed to the Borrower exceed {$250.00}. 

Upon my request, Nationstar provided me with a " FOR INTERNAL USE ONLY '' payoff statement showing the interest rate of 3.375 %. Loan Officer, XXXX XXXX added the inconsistent interest due of {$1500.00} to the XXXX of {$280000.00} to be paid off. The HARP mortgage transaction was executed on XX/XX/2016 and originated Loan on XX/XX/2016. 

Unbeknownst to us, on XX/XX/2016 Nationstar cut down the interest due to {$1300.00} and funded its own total payoff amount which resulted in the excess proceeds. Per the HARP guideline, the proceeds of the refinance mortgage must be used to pay off only the XXXX and interest accrued through the date the mortgage being refinanced is paid off and the excess proceeds must apply to reduce the mortgage or the HARP mortgage. Mr. XXXX failed to apply the excess proceeds to the mortgage, or the HARP mortgage. 

On XX/XX/2016, Mr. XXXX had us signed the corrected closing disclosure specifying the changes to prepaid costs. He failed to disclose the actual changes to payoffs. Nationstar disbursed the cash of {$280.00} in XX/XX/2016 which exceeded {$250.00} per the XXXX XXXX HARP guideline. Nationstar provided us with the unreduced HARP loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Consumer Portfolio Services, Inc.
State: WA

Complaint narrative:
The company is in violation of multiple far credit act rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAINE & WEINER COMPANY, INC.
State: UT

Complaint narrative:
Caine & Weiner as well as XXXX is reporting an erroneous debt on my credit file. I recently checked my credit and noticed this debt reporting on there. I was very confused as the debt is for the current insurance that I have. I have had progressive for a very long time now and have never received any noticed of any past due amount. I make my payment on time every month so I'm not sure why they are reporting a collection. This is erroneous and it must be removed. I never received calls, notices or any correspondence regarding this debt violating my 30 day right to dispute. This debt is not mine and I do not owe it and it must be removed from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: NJ

Complaint narrative:
Lakeview Loan Servicing , LLC subservicing by XXXX is my mortgage company. Since closing on my condo with them, I have never missed a payment and made all my loan payments on time. On XX/XX/2020 I made my payment for the amount of {$1500.00} just to receive a letter a few weeks later saying that I needed to submit another payment. I checked my bank account and the money was pulled from my account. I will attach proof of it which I received from my bank that the money was withdrawn and it did not come back to my account. Since XXXX, I have made several attempts to reach out to the mortgage company and each time no one is able to help. They either hang up on me or say they will look into it. Every other day I'm being harassed by them by phone calls about my payment. 
They say they don't have the payment and I don't have it either. So someone needs to explain to me who has it. 
The only reason why I'm contacting the CFPD is because the mortgage company has not taken any action in resolving the situation. 
Please help. At this point its affecting my mental health because I have never been late on any of my payments and I have never had to deal with a situation like this.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My only collection account has been deleted and a debt was paid off and my credit score deceased by 9 points instead of increasing. I am working to increase my score, and Experian is the only credit bureau that is decreasing my score and will not explain why.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I previously asked the credit bureaus for a investigation on account that was fraudulent opened in my name the company was sent a letter for validation of my debt company never responded I also wasn't given anything about the results of my dispute I have proof I sent numerous certified receipts. I sent proof of my identity and my FTC report and now this is my next step before I file a law suit. I will be submitting ALL my proof thanks again.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Specialized Loan Servicing Holdings LLC
State: NY

Complaint narrative:
XXXX Dear Sirs and Madams : Hope this finds you well. I am completely distressed because my mortgage service provider, Specialized Loan Servicing LLC ( SLS ), refused to honor on the credit reporting the fact that I was unable to pay my mortgage during the heightened months of the Covid-19 pandemic. I was greatly affected by the pandemic during the months of XXXX, XXXX, XXXX and XX/XX/2020 and didn't even have the wherewithal to find out about the easy steps of putting a forbearance into place, and was certainly not in a position to engage in the forbearance process. However, unfortunately, I have since found out, that even for individuals who tried to put a forbearance in place, SLS still often did not honor these forbearances on the credit reporting. After the above aforementioned covid months, I completely caught up on my mortgage payments, including anything owed during those months ; my mortgage is currently perfectly up to date in payment, yet, my credit is ruined by SLS because of their reporting late remarks for the covid months of XXXX, XXXX, XXXX and XX/XX/2020. I have begged SLS to remove the credit report late remarks of those four months. Can you help me?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: TCF NATIONAL BANK
State: OH

Complaint narrative:
The TCF Bank XXXX, XXXX XXXX was corrupted with his friend, XXXX XXXX XXXX, retired local bank, blocked paying off all of my loan Payment with by representative, XXXX XXXX XXXX who I paid and hired to handle my paying off the total loan amount. I had XXXX lenders who wanted to lend money to pay off my entire loan amount. I requested repeatedly XXXX XXXX XXXX but He refused to meeting with XXXX XXXX XXXX. He was having meeting with XXXX XXXX XXXX and communicated with him. The Bank illegally took all of my properties. 
I was paying all the payment without default. The bank delayed and dragged the time. They are corrupted badly and took all of my asset which is all of my life saving. 
I and my family suffer so much. 
Please help me and help many others from their serious criminal acts. 

I have attached a file.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I filed a complaint on this issue with CFPB before : XXXX. Thank bank 's response to that complaint, however, completely omitted the issue of the fraud system text messaging verification system failing, and the bank 's resolution was the exact same resolution that I tried last XXXX and it did not work. 

I just got off the phone with the XXXX  XXXX at Wells and she stated to me that there is no way to ensure that the bank will not block access to my funds via ATM again. There is no way to tell why the bank flagged this as fraud. And there is nothing more I can do about this situation. 

So I am, at the advice of the bank, filing a new complaint so that the issue that bank failed to address the first time can be addressed, and we can continue the conversation about how I can be reasonably sure that when I go to ATMs to withdraw cash that the bank will in fact allow me to withdraw the cash.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
I have had a very difficult time with PHH. I have tried to submit for a loan modification a couple times. I was never able to communicate to the same person which always caused confusion. PHH always seemed to lose my paperwork, which I constantly had to re-fax. I fell behind in 2017 and had to file a bankruptcy to protect my self from this aggressive lender. I have paid them a lot of money to catch up. But PHH keeps adding fees and has been very difficult to deal with to resolve. I have recently been declined for a modification and feel is was not reviewed correctly.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: NCB Management Services Inc.
State: GA

Complaint narrative:
In XXXX I reached out to NCB Management about this debt. The company talked me into setting up payment, however I didnt realize Im a part of the litigation with XXXX XXXX XXXX original debtor ). 

https : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: HYUNDAI CAPITAL AMERICA
State: NJ

Complaint narrative:
XXXX Dear XXXX and XXXX : Hope this letter finds you well. I leased a XXXX XXXX XXXX from an independent dealer in XXXX, XXXX. All payments for the life of the lease were made on time and in full. Still, due to the fact that the dealer took on responsibility for the post-lease fees, and due to the covid pandemic, the dealer was unable to complete the payments on time, Hyundai has ruined my credit with negative charge-off status remarks and late remarks. Hyundai credit dispute department has no telephone, email or physical location. The only way to dispute Hyundai 's remarks on one 's credit profile is via a XXXX XXXX XXXX. The dealer who leased to me the XXXX XXXX XXXX which matured in XX/XX/XXXX ( and was returned on time ), wrote a letter to the Hyundai credit dispute XXXX XXXX explaining that he had told me that he would take care of any post-lease fees, including wear and tear fees. Attached is the letter that the dealer mailed to Hyundai explaining that due to covid affecting his business, the post-lease fees were not paid on time by him and therefore when I found out what had occurred, I paid the full amount of the fees myself. It is standard for auto companies, including Hyundai, to remove a customer 's charge-off and late remarks to the three major bureaus when the dealer has accepted responsibility. And yet, Hyundai credit dispute department wrote to me that they won't clear my credit despite the dealer 's letter explaining his responsibility for the lateness. Throughout my conversations with Hyundai, I had been assured that if my dealer was responsible for the lateness of the post-lease fees, if the dealer simply wrote a letter, then it was Hyundai 's policy not to punish the credit of the customer. Prior to any post-lease fees, I paid on time and in full every single month throughout the life of the lease from beginning to end. And now, Hyundai ruined my stellar credit anyway, despite receiving the attached letter from the dealer. Hyundai even has the audacity to report XX/XX/XXXX as a charge-off status and as late ( depending on the bureau ) even though all post-lease fees had already been received by Hyundai on XX/XX/XXXX XXXX receipt attached ). Can you please help me?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Professional Finance Company, Inc.
State: MO

Complaint narrative:
Professional Finance Co tried to collect {$220.00} on behalf of XXXX XXXX XXXX and this was opened in XXXX. I went through chapter XXXX bankruptcy and it was included in this bankruptcy, which was discharged XX/XX/XXXX. I disputed through XXXX XXXX with the company and it was proven to be discharged and meeting FCRA requirements for discharge, yet they submitted another hit on my credit after it was already successfully disputed.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
i do not recognize this account on my credit report. These account are fraudulent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
My bank account was hacked online on XX/XX/XXXX and quite a sum of money ( over {$1000.00} XXXX was taken. There were funds taken from my debit and my credit accounts. I DID NOT approve the transactions in the least. There were fraudulent charges through XXXX on my credit card and through XXXX on my debit card. The funds went to people I DO NOT know and through means that I didn't even have access too. I didn't even have a XXXX account. I obviously shut off my cards and filed fraud reports and police reports. As of today, XX/XX/XXXX, over XXXX months later I have still not received any funds back and am still having to fight the bank that the charges were fraudulent. I call them on a daily basis and get nowhere. I have asked for a supervisor on several occasions and either get they aren't available or they will call you back. I, of course, never get a call back. I get hung up on more often than I talk to a person. This is extremely rude and they are not putting the consumer first. I have done nothing wrong but yet feel as though I am being punished. BBT is not doing their part at all. I have any kind of proof you may need when it is requested. Any other financial institution would have had the money replaced within a week. This is beyond ridiculous and I do not know what else to do. Please help me get these funds replaced. We are in a pandemic and losing this kind of money makes it very difficult to provide for myself and my family.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Wrong amount charged or received — 
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
Here are the events : 1. I initiated XXXX transfer of my XXXX XXXX  from Ally to XXXX on XX/XX/XXXX 2. I received a dividend of {$470.00} on XX/XX/XXXX 3. At some point, this was moved an escrow account and reported in statements XXXX attached ) as being held in " Other account '' while the main account showed a balance of {$0.00} 4. I have tried contacting Ally many times ( XX/XX/XXXX case # XXXX, XX/XX/XXXX case # XXXX, XX/XX/XXXX, XX/XX/XXXX ) and was promised that this will be fixed, but to no avail 5. In my conversation on XX/XX/XXXX ( attached ), the agent said " Unfortunately, there is no eta on this resolution just yet and no case is needed. My supervisor confirmed that your account was already noted as one of the accounts that are effected and management is working to resolve the issue. '' and said he couldn't do anything else. 

At this point, it has been XXXX  months since Ally has been sitting on my funds and refuses to or fails to give me access to my funds.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
The company is in violation of multiple far credit act rights.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: KY

Complaint narrative:
There are XXXX fradulent transactions in my Bank of America account, mentioning that they were from my employer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief