vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-10-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: TX

Complaint narrative:
I would like to file a complaint on my mortgage lenders XXXX, now XXXX/LoanCare. 

In XX/XX/XXXX, I sent a letter ( Using XXXX Internal Messaging System ) that I had changed my insurance company from XXXX XXXX to XXXX and not to pay XXXX XXXX. They paid both! XXXX sent me a refund check and I sent XXXX a check to deposit back to my escrow account. The envelope I sent XXXX had the account number and, in large lettering, deposit to escrow only, and the check which in the memo line also said for deposit to escrow account only. In XX/XX/XXXX I notice that the escrow money had shown up as a payment and not applied to escrow. I contacted them through their messaging system and informed them of the error. Within a couple of weeks, the funds were removed from the normal payment account, but from there the funds have disappeared. I have communicated with XXXX several times asking where the escrow money went to and have never gotten an answer. 

Now, to complicate things, my loan was transferred to XXXX/LoanCare. They wanted to increase my monthly payment to cover the escrow shortage, I have refused. I have continued to make my normal payments which does include some escrow funds. 

So, after several unanswered letters to XXXX and LoanCare, I get a letter from LoanCare to pay all the back charges ( all escrow shortages ) or they will start foreclosure process. 

From what I can tell, LoanCare has not been applying my monthly payments normally and has been putting the funds as Unapplied payments. In doing this they add late charges to my account, and eventually will start reporting the account in arrears to credit bureaus. 

I finally talked to a loan rep at LoanCare. He agreed to do all 6 items listed below.

When I found out this was not being done, I tried to call him back. I have left ~4 messages for him to call me back and he has not. The escalation person he says to call on his voice mail has not returned my calls either. 

I had a friend of mine ( Real Estate Lawyer ) look at the mortgage statements and he determined that XXXX put the escrow monies as Unapplied balance instead of into the escrow account. We also found that XXXX and LoanCare have been talking late charge funds from this Unapplied balance. This is illegal as those funds should be applied to escrow and ONLY used for taxes and insurance.

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 2019-10-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Just tried to open an online savings account with XXXX ( XXXX ) XXXX ; my application was rejected based on my " frozen '' credit info at XXXX and Trans-Union. XXXX and Trans-Union are both full of XXXX -- I permanently unfroze my credit at all 3 credit agencies in XX/XX/2019 after a long, drawn-out verification process imposed by 2 of the 3 agencies, and unfrozen credit was confirmed by my mortgage lender in early XX/XX/2019. 

I have NOT requested my credit be frozen since it was unfrozen in Spring, 2019. XXXX XXXX  insists that XXXX   and TransUnion reports show that my credit is still frozen, and that they are powerless to change anything supplied by those two credit bureaus. 

I am requesting that 1 ) my credit be unfrozen permanently, and 2 ) that my name, credit info, and all material information relating to my identity be removed completely and entirely from Trans-Union and XXXX XXXX databases and that I never have my otherwise happy, productive and credit-free life interfered with again by them or their interests. Thank you, God. Amen.

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 2019-10-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
XXXX  and Transunion are reporting incorrectly that I am ( 120 ) days past due on the DPEDXXXX partial account numbers XXXX ; XXXX ; XXXX and XXXX. ( Please see pages attached from my credit report. ) These accounts report a {$0.00} balance and {$0.00} past due. I am not disputing any prior late payments however, this account is being reported as if I am past due in present day. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due. This incorrect reporting is harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.

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 2019-10-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
On XX/XX/2019 I requested to have a few items that you are listing on my report as accounts related to my social security number verified. You claim that they were verified. I sent a second and third request to have all the items verified that you are posting. 
You claim that you verified these items listed : XXXX XXXX XXXX : account number XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX : account number XXXX. I have contacted the companies listed and one states that they can not verify that the account as mines and have submitted a request to have the item removed. The other submitted documents that I have never seen before and were incomplete. Under the guidelines of the FCRA you are in violation. 
Please verify all the items you are posting on my credit profile as it is required under federal law as I do not have any record of such accounts and would appear to be a victim of Identity theft. 

Best regards, Mr 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 2019-10-24 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
To Whom It May Concern : Last year I obtained a home mortgage through XXXX which was financed by Bank of America. I qualified for the XXXX no down payment, no closing cost home loan. 
I closed on my home on XX/XX/XXXX. XXXX XXXX handled the closing for Bank of America and XXXX. Because of the XXXX program requirements I was not able to choose my own title company and had to use XXXX XXXX. 
On XX/XX/XXXX when I attempted to make my normal mortgage payment of {$1400.00}, I noticed online my payment went up to {$1600.00}. When I called Bank of America they told my escrow account was short. I immediately reached out to my real estate agent and asked her to review my documents to see if this was correct as I am a single father of XXXX and the increased payment is causing a hardship on my family. 
My real estate agent reached out to XXXX XXXX, they advised they did not collect enough escrow at closing ; however, upon further review by my agents title company it came to light that XXXX XXXX never escrowed for School Taxes. They only collected escrow for property taxes. When we reached out to the School Taxing authority for XXXX township they told us the School Tax bill was available in XXXX of XXXX. 
When my agent reviewed my escrow analysis she noticed after I closed on my home on XX/XX/XXXX, Bank of America disbursed {$3700.00} in school taxes in XX/XX/XXXX. At that point my escrow account when short but Bank of America did not notify me until XX/XX/XXXX. 
I find this despicable and abusive on Bank of America, XXXX, and XXXX XXXX. No one is trying to fix this mistake. I called Bank of America to file a complaint but they closed it out without resolving, then they told me to write a letter!? 
When my agent told XXXX XXXX they needed to correct this, they told her via email it was the Lenders fault for not escrowing. We have all of the communication in writing. 
This is causing an extreme financial hardship and I have no where else to turn.

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
Consumer complaint received 2019-10-24 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Bread Financial Holdings, Inc.
State: NC

Complaint narrative:
There was fraud charges on my XXXX XXXX XXXX XXXXXXXX card that was reported to the company a few years ago. I received a letter from the company that the charges are valid because I have been paying on my card. I requested a re-investigation and Comenity Bank is stating the same thing. This bank has failed to do a proper investigation. They are presenting inaccuracies which clearly shows no real investigation was done. The company refuses to outline in writing how their determination was made.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-24 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Tower Loan of Mississippi, Inc.
State: MS

Complaint narrative:
Called - XX/XX/2019 @ XXXX XX/XX/2019 @ XXXX both from ( XXXX ) XXXX XX/XX/2019 @ XXXX XX/XX/2019 @ XXXX XX/XX/2019 @ XXXX XX/XX/2019 @ XXXX XX/XX/2019 @ XXXX XX/XX/2019 @ XXXX XX/XX/2019 @ XXXX XX/XX/2019 @ XXXX XXXX Each time they have called I have requested they no longer contact me via phone, requesting that written correspondence be sent to my address on file. Each time I ask if there is a note in the file detailing that I have requested not to be contacted by phone, in which they verify that they are aware that I do not want them calling me. Call on XX/XX/XXXX the gentleman stated that he mailed a letter on XX/XX/XXXX regarding the two day delinquency, but was calling anyways.

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 2019-10-24 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have been trying since XXXX XXXX to get this wrongful XXXX XXXX problem off my credit report I have submitted 3 disputes to Experian with no results.

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 2019-10-24 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Duncan Solutions, lnc.
State: NY

Complaint narrative:
Robocall Claiming I owe a debt I do not owe any debts

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
I am trying to put a credit freeze at Experian on my accounts, and have been rejected several times on the on-line and telephone services. I CAN NOT get anyone on the telephone to ask why I have been rejected. I have been able to put credit freezes on the other two credit agencies VERY easily, online, with no difficulty. Experian is requiring that I assemble a cumbersome amount of documents and mail them in - this is NOT buying a house! I would like to talk to someone and put a freeze on my account immediately, instead of taking weeks to do this through the mail. The Experian on-line and telephone system is completely cumbersome and useless.

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 non-monetary relief
Consumer complaint received 2019-10-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: MN

Complaint narrative:
Ditech is using tactics to make me jump through hoops to avoid having to refund excess escrow owed to me. I called and requested escrow cancellation in XX/XX/2019. As a result of the cancellation, the excess escrow was to be refunded to me. As of the date of this filing, the escrow funds have not been refunding to me in my name only or been redeposited back into the escrow account.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am applying for a mortgage. My loan officer emailed me today ( XXXX XXXX ) to let me know that she was unable to pull my credit from Equifax because my credit report was 'blocked ' and XXXX  because 'they were not reporting a score '. I called both companies today. Equifax was unable to verify my identity over the phone. They asked me identity questions about home/car/other loans ; however, I have never taken out a loan as of this mortgage application process. This makes me concerned that my identity has been stolen ; however I can't access my credit report to verify if it has been stolen. Equifax requested that I mail or fax them photo copies of my driver 's license and social security card to verify my identity, but the idea of sending copies of my IDs through the mail makes me uncomfortable. XXXX  said that a credit report exists for me ; however there is no way that my loan officer can access it independently of me giving her a copy of a report that I request myself ( which is invalid by her bank 's standards, obviously ). 

I am concerned as a result of these difficulties that my identity has been stolen. I went to XXXX to pull my credit from all three CRAs. I was unable to do so for all three. They all asked me identity questions pertaining to loans that I have never heard of. Some also asked me about credit cards that I have never had. As a result I am concerned that my identity has been stolen. 

I have yet to contact Experian but I don't anticipate that it will be fruitful.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-24 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Bliksum, LLC
State: CA

Complaint narrative:
During a time of separation my wife took out a predatory loan. My wife speaks only XXXX  and went to LoanMe. They told her what the payments were but intentionally hid the high interest rate. She was unable to make the payments so they sued her in XX/XX/2017after saying that she was served at an address we had not lived at for some time. There could not have been service at that address. Now that we are aware of the judgment we have made reasonable offer they refuse to come to a reasonable amount. They took advantage of the language barrier then used the legal system to bully her. I believe AB 539 was recently passed which protects consumers like my wife. I believe LoanMe is in violation of 22302 of the Financial Code as demonstrated in a recent case De la Torre -vs.- Cash Call, Case No. 08-cv-03174-MEJ. The California Supreme Court held this type of loan practices unconscionable under 22302 of the Financial Code.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
On XX/XX/19 I received a notice from XXXX XXXX XXXX that my car payment had bounced. I know that there was plenty of money in that account. I called XXXX to see what was going on. They informed me that Bank of America had frozen my account. This was news to me. 

I called Bank of America to see what was going on as I had received absolutely zero communication about this. They informed me that I, the person that opened the account and the only person who uses it, was not authorized to even find out why my account was frozen. My wife, who is on the account but has literally never used it, had to call a number that the BoA rep gave me and give the reference number. 

My wife calls the number, that I verified with the BoA rep, and gets something about cruise lines. I dont know if that was some prank by the BoA rep but Ill move on. My wife then calls the main BoA number and gives them the reference number. They are unable to find this. 

After another hour or so of my pregnant wife calling seemingly every published number for BoA we get to the bottom of it. Bank of America froze my account causing my car payment, student loan payment, and BoA credit card payment to bounce. All because they could not verify an address for my wife. 

My wife knowing that there are protocols and legal requirements in her own field concerning due diligence regarding contact attempts asked what steps BoA had taken before freezing my account. The astoundingly unacceptable answer was that they had sent one letter to this unverified address. No calls, no emails, not even a second letter to the verified address that every other piece of correspondence from BoA goes to. 

In summary, Bank of America froze my account causing payments to bounce incurring late fees and affecting my credit score for the dumbest reason imaginable. This in itself Im not even that bothered by. They might have a good reason. They probably would say that Im not allowed to know why but Ill give them the benefit of doubt. What is so egregious is that they made almost no effort to contact me and the only way I found out that anything was wrong was from a different company altogether. They have my address, phone number, email, even my social security number. They can contact me easy as can be. They made the choice not to. This is wholly unacceptable.

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 2019-10-24 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
This is my third complaint with the CFPB and my 10th+ Dispute Request to Experian to correct my secondary address. My secondary address come up on my report various time and not a single one was correct. I provided the correct address but instead of correcting it, Experian DELETED IT!! I contacted Experian and requested that my address be correct and they refuse to correct it. My secondary address is on XXXX XXXX XXXX. and it needs to be on my report.

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 non-monetary relief
Consumer complaint received 2019-10-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: CO

Complaint narrative:
These are the dates from Navient webpage of the hospital XXXX in XXXX XXXX CO making payments to the loan company and then you can see in XX/XX/2019 it looks paid off, they never called or left a voice mail or contacted me to let me know they sent me to collections, meanwhile online it appeared that payments were made and accepted by the loan company. I believe this to be fraud and inappropriate. If I need I have the receipts from the checks showing they were cashed as well. Earlier this month I called navient to see who paid off the loans and they said they could not help anymore because I was sent to collections. 

XX/XX/2019 PAYMENT ( {$1400.00} ) ( {$18.00} ) {$0.00} ( {$1500.00} ) XX/XX/2019 CLAIM PAYMENT ( {$65000.00} ) ( {$4000.00} ) {$0.00} ( {$69000.00} ) XX/XX/2019 PAYMENT ( {$1400.00} ) ( {$30.00} ) {$0.00} ( {$1500.00} ) XX/XX/2019 PAYMENT {$0.00} ( {$1500.00} ) {$0.00} ( {$1500.00} )

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-24 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: EQUIFAX, INC.
State: GA

Complaint narrative:
The main 3 Credit Bureaus are attempting to ignore Federal Laws and statutes. I have contacted all 3 Bureaus in an attempt for them to investigate and remove these fraudulent inquiries from my credit report. They are currently in violation of 15 U.S.C 1681c-2, 15 U.S.C 1681s-2 & 15 U.S.C 1681m. 605B of the FCRA states ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

All of which has been given to the 3 main credit bureaus. They are in direct violation of Federal Law and open themselves up to a Lawsuit!

Company response to consumer: Closed with explanation