vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
NewRez mortgage company currently has a loan on one of my 4 properties that is a rental house ( my other 3 properties are free and clear ). They agreed to give me a 2.75 fixed 15 year mortgage on my primary residence and paying off the loan on my rental property ( essentially moving the loan from one property to another. I provided any and all documentation needed and requested AND got loan approval then all of a sudden they suddenly denied me because I listed one of my other paid for properties for sale on the MLS that had renters in it ( continually paying their rent ) just to test the market and possibly do a 1031 exchange into 2 other rentals at some point. I was NEVER told prior to this that I could not do that. It in NO way affected my inc9me or ability to pay the new mortgage. In fact my net worth is over {>= $1,000,000} and I was ONLY getting a {$300000.00} loan on my primary that is worth over {$750000.00}! This was a VERY easy loan to approve. I have felt consistently during the process that the lender regretted locking me in that rate because it they would lose money ( since the current loan is ALSO its them at a much higher interest rate ). WE WERE APPROVED AND LOCKED IN and the title company had even contacted me to set up the mobile notary to sign the final paperwork! This is a CLEAR violation of RESPA and Truth in Lending ( I am a XXXX XXXX XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT

Complaint narrative:
My name is XXXX XXXX. I am a XXXX XXXX currently in XXXX  in XXXX XXXX XXXX, UT. This past XXXX I had made the decision to pay the minimum payment for my student loans. Prior to this I had consistently over paid ( to pay down interest/principle ) w/ a great overall credit score to reflect this ( mid 700 's at that time ). In XXXX I had decided to lower my payment ( to minimum payment due ) to increase my liquidity given the Covid-19 pandemic. At that point, I had several colleagues who were furloughed and or asked to take pay cuts. I was more or less trying to plan ahead for an unfortunate event like this. To my surprise, my credit score would drop by 55+ points ( transunion and XXXX  ) secondary to my loans accruing slightly ( some by less than {$20.00} ). Obviously, I had no idea this was possible or I would have over paid like every other payment. The following month, the government decided to provide for loan deferments to specifically address this problem. I would like to file a formal complaint in that this situation/event should have been prevented and by no means have dropped my credit score so drastically ( if at all ) especially during a global pandemic. To make matters worse, I am a XXXX XXXX XXXX  putting myself at increased exposure during this pandemic to find that there are little protections against a practice like this. This has been made more frustrating by the fact that I am actively trying to purchase my first home and no longer qualify for most XXXX  loans secondary to my change in credit score. By simply trying to do the " smart thing '' and " plan ahead '' I am no longer able to achieve milestones in my life that would have otherwise been easy to achieve. I have had discussions w/ my student loan servicer ( XXXX ) as well as the reporting agencies. I've been told that as long as the information is in fact correct ( that my loans did increase slightly ) that there is nothing they can do for me. Hence, the reasoning for my formal complaint to the CFPB.

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 2020-06-18 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: AL

Complaint narrative:
I have had a security freeze on my accounts for a long time. I needed to get it off because my husband and I are in the process of buying our first home. The other two companies gave me no problem in removing my security freeze. Initially Experian, I tried doing it online and it did not recognize me. I set up a new account and Experian recognized me but told me that I had to send information in by mail to end the security freeze. This was over three weeks ago. I mailed the information in. Then, a couple of weeks later, I got a letter saying that they could not take the freeze off. I did not worry about it because the mortgage company was able to look at the other reports and was able to see my husband 's credit history on all three bureaus and there are no issues with any of our credit. Except they could not see my Experian account. Today, the mortgage company is telling me that I need to get it unfrozen again. I have tried every phone number that I can find for Experian and the phone tree does not work then it hangs up on me. This has happened over and over. I am at a loss of what to do next. Please take note that this is very frustrating and leaves me hopeless as to what I can do. I am currently at my office and do not have a copy of the letter sent back to me. I also do not have a copy of the information that I sent them three weeks ago at this time.

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 2020-06-18 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 — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I contacted Equifax today, XX/XX/2020 and they would not allow for me to receive a free credit report. The first representative I spoke to on the phone asked me personal questions ( name, DOB, address, SS, etc ) and security questions. The first security question was about a mortgage and I said YES! We just moved into a new house on XX/XX/XXXX and I was surprised this was already listed with Equifax. I shared with him I would need to dig up this mortgage info because we had filed it away. He then proceeded to a second question about loans and I answered I have a student loan. I then took out the actual monthly statement from XXXX and read off the exact figure {$41.00}, XXXX XXXX this was from XXXX, 2020. It was after I shared this info that this Representative claimed I have " failed '' the security test!!! And he claimed Equifax would NOT give me a free credit report!!! 
I then proceeded to contact XXXX  and I contacted XXXX. Each of these credit reporting agencies gave me free credit reports in LESS THAN TWO MINUTES and neither of them asked me any SECURITY QUESTIONS! So what type of scam is Equifax running? And why are they not shut down for illegally denying free credit reports to US citizens? Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-18 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Midwest Recovery Systems
State: CA

Complaint narrative:
Hi, I received a debt collection on my credit report from Midwest Recovery Systems, this is their address : XXXX XXXX XXXX XXXX, MO XXXX. It said that I owed {$150.00} as a collection from XXXX XXXX, but I never received an email, call, or letter from XXXX XXXX  or the debt collection agency. I contacted them and paid the collection anyways because I needed it off my credit report, but they said they had emailed me in XXXX. I have absolutely no email from from anytime and I've looked through all parts of my email including spam. I asked them if they might come up as another name in the email and it says they show up as " no-reply. '' Labelling the email as " no-reply '' is confusing and more importantly, I never even had an email from that email either. I tried to ask them if I could dispute it since I never got an email, but they said no because they said they did email me even though I never received it. They resent the email me today XX/XX/2020 when I asked them to XXXX after first having to jump through hoops to contact them through phone ) and the email came through as XXXX. I was able to lower the amount paid to {$120.00}, but I still feel like I wasn't contacted properly and I shouldn't have paid the amount I did. Also, when looking at the email I made them resend, they had my address completely wrong. 
In the pictures I provided, I did my best to prove I never got an email from them and to show the exact dates of when I actually did get the email.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-18 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Convergent Resources, Inc.
State: GA

Complaint narrative:
I received a letter from Convergent Outsourcing on or around XX/XX/XXXX that was dated XX/XX/2020 stating that they were representing XXXX in the amount of {$3100.00}. The letter stated that I had 30 days after receiving the letter to notify them that I was disputing the debt. I wrote to them at the P.O. Box that they listed in the letter, disputing the debt and requesting validation of the debt on XX/XX/2020 via certified mail. According the USPS, the letter was available for pickup for them at XXXX XXXX  on XX/XX/2020. To date, I have not received any additional correspondence from Convergent Outsourcing. Today, I was notified that Convergent Outsourcing has reported this debt to all three credit bureaus, but neglected to provide me with validation of the debt. They state on their website that they do not own the debt and are not always provided with itemized statements. They go on to say that they will request the information on your behalf from the original creditor and will mail that information to you when they receive it. I assumed that they were still in the process of requesting the information and was quite surprise to learn that they have reported the debt to the credit bureaus without providing the validation of the debt.

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 2020-06-18 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: CREDIT ACCEPTANCE CORPORATION
State: MO

Complaint narrative:
I COSIGNED FOR A CAR FOR MY SPOUSE WHO FILED BANKRUPTCY, THIS COMPANY REFUSE TO SEND ME ANY STATEMENTS DUE TO HIS BANKRUPTCY THEN CHANGED ACCOUNT TO A INDIVIDUAL ACCOUNT ON MY CREDIT. SO TODAY THEY DECIDE TO REPORT AGAIN UPDATE THE STATUS TO JOINT IN WHICH THEY TOLD ME THEY COULDN'T DO & REPORT THIS ACCOUNT DURING COVID AS 30DAYS TO LATE TO AFFECT MY CREDIT- WHICH WAS PREVIOUSLY UNDER A NATURAL DISASTER. I FEEL THEY WILL PROVIDE ME WITH NO LETTERS OR STATEMENTS TO STAY CURRENT ON THE LOAN. THEY ALSO SHOULDN'T BE ABLE TO REPORT ANY NEGATIVE RATING TO MY CREDIT REPORTS DUE GO IT BEING A ACOOUNT INCLUDED IN A BANKRUPTCY & ALSO DUE TO THE NATURAL DISASTER DUE TO COVID. THIS ACCOUTN IS IN A CHAPTER XXXX  AND SHOULDN'T BE REPORTED TO ANYONE 'S CREDIT. ALSO STATEMENTS NEED TO BE MAILED EACH MONTH

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 2020-06-18 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: CAPITAL ONE FINANCIAL CORPORATION
State: DE

Complaint narrative:
i am in a deep hole due to fraudulent activity and i have done almost everything i possibly could to correct this misinformation on my report. theres an XXXX  card saying i owe over {$12000.00} which is not true and a few other wrongly placed items. please look into these and block the accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SN SERVICING CORPORATION
State: NY

Complaint narrative:
1 ) CONTACT, LOAN OWNER We have sent 5 Requests for Information, since XX/XX/XXXX, to SN Servicing asking for name, address, and telephone number of who owns your loan. They deny us a contact name, and have provided three different address in Texas, Arizona and Delaware, no contact person. 


2 ) COVID-19 FORBEARANCE Our loan falls under federal protections, but SN Servicing Ms. XXXX XXXX XXXX has denied extending our Covid-19 forbearance, despite fact that our mortgage falls under XXXX XXXX XXXX agreement with XXXX XXXX, so they are violating the PSA agreement associated with our mortgage. 

3 ) FPI - SN Servicing Ms. XXXX XXXX imposed Forced Place Insurance last year, and never advised us? they sent notice to a wrong address, with court advised them was wrong address. 

4 ) LOAN MOD ESCROW - Our loan mod contract clearly states, and it was confirmed at settlement conference by SN Servicing attorney that we pay escrow for property taxes to SN Servicing and they pay taxes. They are escrowing taxes, we are paying them, but they are not paying them to authorities. Several lawyers and the court mediator confirmed this, but SN Servicing is collecting property taxes form us, but not paying them to authorities. 

Our investor/ loan owner is obligated to provide federal protections for Covid 19 forbearance due to their PSA.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: AES/PHEAA
State: LA

Complaint narrative:
FEDLOAN {$2500.00} XXXX. I have reached out to FEDLOAN in reference to this account. The account is reporting inaccurate information. 90days late payment without it ever reporting 30 or 60day late.which is a violation of fair credit reporting act.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC
State: OH

Complaint narrative:
The simple truth is our new mortgagor, XXXX XXXX, is trying to get an official payoff letter from our old mortgage holder Quicken Loans. They have made two previous requests one in XXXX and one in XXXX. They have not received the letter. Our refinancing with XXXXXXXX XXXX is approved all they need is the payoff letter. 
XXXX out of frustration asked us to call Quicken Loans and ask of the payoff letter. 
My wife called then on Tuesday morning, XX/XX/XXXX to request the payoff letter. 
Not 20 minutes later she got a call from a Quicken Loans sales representative asking her why we were leaving Quicken Loans and wanting us to refinance with them. She told him that we were going with another bank and ended the call. On Thursday morning XX/XX/XXXX she gets a call at XXXX from a different Quicken Loan salesman but with the questions and requests with the same response. Then around XXXX XXXX on XX/XX/XXXX I get a text on my phone from Quicken Loans saying they want me to contact them to discuss a refinancing proposal they have worked out. I have not responded. 
With the full court press going on to get us to go with Quicken Loans do you think they are issuing a payoff letter? I want these weasels to issue XXXX XXXX  a payoff letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-18 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc.
State: NM

Complaint narrative:
My access to my account with Coinbase , Inc. was made un-accessible via the Internet.  When I tried to re-establish the connection, I was told to establish a " temporary '' account, and submit a picture id ( drivers license ). After some difficulty, I did as advised, but I still have been unable to get access to my account. Coinbase will not accept telephone calls nor will they call the consumer. I have been trying, to no avail, to access my account and Coinbase will not respond to my requests for assistance in re-establishing my connection to my account. 

I have made an initial contact with the XXXX XXXX XXXX Attorney, and they advised that my first step is through your office. 

Apparently, I am not the only person with this similar compliant.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: HILLTOP HOLDINGS, INC
State: TX

Complaint narrative:
I was in forbearance with Prime Lending for XX/XX/2020 - XX/XX/2020. I was caught up on payments until I was approved for forbearance. I received a letter from Prime Lending dated XX/XX/2020 stating my forbearance would be ending soon. I sold my home on XX/XX/2020 and received a subsequent letter dated XX/XX/2020 from Prime Lending saying my loan had been paid in full. I received a notice my credit score had changed and I see there was a report made on XX/XX/2020 from Prime Lending for a delinquent account. I reached out to Prime Lending on XX/XX/2020 and was told that I would need to reach out to the credit bureau to fix the issue or I could submit a letter to Prime Lending with a copy of my credit report showing the error.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-18 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Unexpected or other fees — 
Company: PNC Bank N.A.
State: FL

Complaint narrative:
Trying to transfer and link my PNC Bank XXXX card to the XXXX XXXX XXXXXXXX to invest and it seems my account with XXXX  will not allow me to fo so. 0 out of many of my multiple attempts have failed. I'd like this fixed please. It's my money and should have use if it as id like.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC
State: CA

Complaint narrative:
This debt does not belong to me. This new company has it listed I have called them repeadelty the number on listed on my credit report is disconnected this is a result of identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
I WAS INQUAIERING ONLY ABOUT THE XXXX BANK HELP. BUT DID NOT TELL THEM I WANTED IT AND DIDN'T OK IT. AND MY WIFE SAID NO. 
OUR ACCOUNT HAS BEEN PERFECT TILL XXXX AND XX/XX/2020. THE BANK OUT XXXX INTO IT AND PUT MONEY INTO A SEPARATE ACCOUNT. THEY SAID THEY WOULD FIX IT. 
NOW THE WAY IT'S WORDED AND WHAT THEY DID MAKES OUR ACCOUNT LOOK BAD AND NOW IT LOOKS LIKE WE OWE THEM MORE MONEY. NOW THEY REFUSE TO FIX IT CORRECTLY. THEY PUT TERMS IN THERE LIKE REVERSAL, REVERSAL, ETC. MAKES IT LOOK LIKE WE WERE LATE. AND WERE NEVER LATE. THEY REFUSE TO LET ME SPEEK TO A SUPERVISOR OR THE CEO. 
PLEASE PROVIDE ME WITH A FAX NUMBER SO I CAN SEND YOU THE PRINTER OUT PROOF ON WHAT THEY DID. I DON'T KNOW HOW TO UPLOAD A FILE. 

XXXX XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX NC 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 2020-06-18 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LD Holdings Group, LLC
State: CA

Complaint narrative:
I have filed for a VA Home loan through Loan Depot and they have denied and prolonged the request despite being qualified for the VA Home Loan as a military member. 

The Loan Consultant did not want to give the VA Home Loan pre-approval but instead provided a pre-approval letter under the Conventional Home Loan. They have made numerous stalling tactics that my family lost the bid for the home we were hoping to qualify. The company have ignored our request for months despite our plea for a VA Home Loan Approval. Additionally, the loan company placed my credit score on the pre-approval sheet in which certain individuals is not privy to view. 

The pre-approval loan letter provided the Loan to Value ratio in which we have not committed to the home to purchase since the company neglected our request for months. As a VA Home Loan it should be easier to qualify rather than the conventional home loan. 

I was informed by the community that despite that they advertise that VA Home Loan is available they only cater to the cash market that the XXXX foreign nationals bring.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-18 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc.
State: VA

Complaint narrative:
On XX/XX/XXXX, I noticed I received a tradeline on my Credit report from IC System for an account I do not recognize. I immediately contacted this company in writing and advised I am disputing this debt and they need to provide me with a validation of the debt. This personal letter was mailed via USPS Certified Mail and arrived to the said agency on XX/XX/XXXX. Ive obtained all receipts and signatures that my letter was accepted by the agency. 

By FCRA and FDCPA consumer laws 609 ( c ) ( 2 ) E, 611 ( a ) 1 ( A ), ( 15 U.S.C.1681i ) they are to delete their tradeline and cease collection activity due to them not providing validation within the 30 day time frame they had from the initial correspondence I sent to them. They failed to respond. I pulled my credit again on XX/XX/XXXX and their tradeline is still there. They can not legally claim this is verified to the credit reporting agencies, but they have ignored my request for validation. They are required to provide me with proof of this debt by law upon receiving written request within a reasonable time frame or they no longer have a right to report this or collect on it. This company has never sent me a notification advising of this debt and has never provided me with my right to dispute/validate. This company is in violation of the FDCPA and the FCRA. They need to be investigated. Please assist me in my request to have this illegitimate negation to my Credit score removed, as they have turned a blind-eye to my requests.

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