vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-20 00:00:00
Product: Debt collection — Mortgage debt
Issue: Communication tactics — Frequent or repeated calls
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: WY

Complaint narrative:
XXXX. On XX/XX/XXXX - I filed electronically for a 3 month forbearance on my mortgage since I had just left by job due to COVID. 
XXXX. XX/XX/XXXX - I received letter from mortgage company approving 3 month forbearance for XXXX XXXX. 
XXXX. XX/XX/XXXX - paid full mortgage payment. 
XXXX. XX/XX/XXXX - paid full mortgage payment XXXX. XX/XX/XXXX - used forbearance and did not pay mortgage payment XXXX. XX/XX/XXXX - I filed a 3 month extension on the forbearance. Spoke to agent on phone from mortgage company for almost XXXX minutes understanding all the details. 
XXXX. XX/XX/XXXX - I received extension from mortgage company extending forbearance for XXXX thru XXXX. 
XXXX. XX/XX/XXXX- spoke to agent at mortgage company and he filed another extension in addition. 
XXXX. XX/XX/XXXX - I received letter from mortgage company approving additional forbearance until XXXX XXXX. 
XXXX. XX/XX/XXXX - I used forbearance and did not pay mortgage XXXX. XX/XX/XXXX - I received letter from mortgage company stating my mortgage was no delinquent and if I had filed bankruptcy then the communication was only for information only. Documents also included were how to file for forbearance, or mortgage modification. 
XXXX. XX/XX/XXXX - I called and spoke to agent regarding letter, they said all was in place for forbearance and it was a system generated and not to worry as it was fine. 
XXXX. XX/XX/XXXX - Knock at my door and person hand delivering document to my stating my property was delinquent. If I was in bankruptcy, this was no an attempt to collect but for information only. She also stated the mortgage company had been trying to contact me by phone, but have been unable to contact me. 

I had received calls with no messages left from the mortgage company on XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX with no voicemail left. 

XX/XX/XXXX - I called the mortgage company and spoke to supervisor to advise I was filing this complaint. She also stated I should not receive any further communication regarding the delinquency as it was a system issue and she would escalate the problem to management. I told her someone coming to my door was NOT a system issue and was being harassed for using the legal forbearance I was approved for. I also advised I was filing this complaint as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC
State: VA

Complaint narrative:
Ive been out of work since the beginning of 2020. I also have a son that I have custody of that is XXXX. His primary daycare center was shutdown as well as his schoolhe had to virtual learn. The company was made aware of this, and allowed a forebearance which was great. At the end of the forebearance I filed a modification. I was told there were no options other than bringing the account current which was over $ XXXX. I havent been able to work due to reasons I cant control since early 2020 so bringing the account current was not an option that I could do. I called and spoke with someone and they advised me to file another request for a loan modification. I did this. I advised on the situation, and I also advised that I was waiting on some rent relief money to come through as well. I submitted what documents I had. I also sent emails to my my specialist XXXX XXXX regarding options that were available besides foreclosure, and I did not hear back. I recently picked up my mail from the post office, and was given the foreclosure paperwork. It was not put in my box, and I received it with other larger packages that were waiting for me to pick up. For the last month, month and a half Ive been working to get the home on the marketBefore I knew about the foreclosure. I called the company today, and advised I got the notice. I advised that Im in the process of putting the home on that market. I asked if they could lift the foreclosure, and allow me a little extra time ( month, maybe two ) to put the house on the market, and make max profit for it instead of foreclosing and both the company and myself lose money. The house is going to sell for in the $ XXXX range. Its being put up for auction at {$200000.00}, and it will probably be less than that when its all said and done. I explained this to the person I was speaking to. He didnt seem to care. He said its been a couple years, and that I best hurry up the process to sell it because they are foreclosing on XXXX. Just to clarify, during those couple of years there was a pandemic in which I lost my job, had to be home to virtual learn with my autistic son, and did not have access to a sitter or someone that specializes it taking care of a child that is autistic. So, when I let the company know that I was selling, and that the company would make the full amount of due on the loan I was surprised that I was met with a lack of collaboration. I left them with my realtors information and the call ended.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-20 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Affirm Holdings, Inc
State: NC

Complaint narrative:
I was severely affected by Covid19 and asked for assistance during the months of XXXX via phone and email. I was barely able to make the minimum payment and did my best to prevent if from being charged off. I even made payments with my grocery money, and they still would not offer a deferral, or any other forgiveness option. They repeatedly ignored my situation or said it was not an option for any of my 13 charged off loans. A majority of the conversations were recorded over the phone, but I sent a few emails in regards to this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I have incorrect information reporting to my credit and it is preventing me from purchasing a home for my family through Bank XXXX XXXX. Ive reached out to these companies several times and have explain to them that this is not my debt And they have failed several times to give me proof. On top of that My insurance premium is going up because of these collections and they are saying is mine luckily I still have my job and I havent missed out on any opportunities because of my credit score however it is harder for me to rent an apartment and that is the main reason why Im looking to get home. The deposit that I have to pay for my utilities as well as Internet is outrageous all because they are going based off my credit. At this point I dont feel like I can build wealth in America or even retire because of the falsely accused collections that are on my credit report. I hope your day is going well, but I need your help. I noticed the following issues with these accounts on my credit report. I did not authorize nor know anything about these accounts listed. these are fraudalent accounts. i know my rights. This is stopping my life please remove them immediatley .You have 30 days. FCRA 605B ( 15 U.S.C. 1681c-2 ) FCRA 615 ( f )

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 2021-12-20 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am a victim of identity theft and I write to dispute certain information in my file resulting from the crime. I have circled the items I dispute on the attached copy of the report I received. The items I am disputing do not relate to any transactions that I have made or authorized. Please remove/correct this information at the earliest possible 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 non-monetary relief
Consumer complaint received 2021-12-20 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: NY

Complaint narrative:
This is related to XXXX. I put in a request to remove active military duty alert and initial fraud alert. Experian delete the fraud alert, but the active military duty alert is still in place. I need Experian delete the active military duty alert immediately, so the bank can pull up my credit report, and process my refinance application. 
Experian report is XXXX. They closed the dispute and only remove the fraud alert. Attach is document send by Experian. Thanks 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 non-monetary relief
Consumer complaint received 2021-12-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I went and opened an account with XXXX XXXX. I opened two different accounts and learned that they closed our relationship. I was contacted by the bank and they have alerted me that there was an Bank of America account opened in my name. I have never opened or tried to open an bank of America account.

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 2021-12-20 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: FL

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE REMOVE THIA ACCOUNT FROM MY CREDIT REPORT : 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 non-monetary relief
Consumer complaint received 2021-12-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Dovenmuehle Mortgage, Inc.
State: NY

Complaint narrative:
I submitted an application on XXXX website as directed by my mortgage company. I submitted documentation several times and used my savings to pay my XXXX mortage to not go into default. I called XXXX times and was told on at least XXXX different occasions I would get a call back and my call would be escalated. I have not received a call back at all. I have submitted documentation again XXXX and I still do not have an update and I now have no way to pay my XXXX mortgage because they will not assist me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: SUN WEST MORTGAGE COMPANY, INC.
State: NV

Complaint narrative:
I received a letter dated XX/XX/21 regarding a 30-day foreclosure notice stating my loan modification was denied because there are liens on my property that were not satisfied in time. That time frame was XX/XX/21. This statement is inaccurate as I emailed a satisfaction letter from XXXX XXXX in XX/XX/XXXX 2021 along with my loan modification application. I spoke to a representative several times and each time I was told that I still did not have a free and clear title. When I called XXXX XXXX, they informed me there were no liens on my property. I then proceeded to call the recorders offices in which they also told me there were no liens on my property. It is now XXXX and Sun West Mortgage is telling me liens are still showing up on my property. I went on to the Clark County Recorders office website and pulled up the records that show the liens were released in XXXX and XXXX of 2021. Today when I called Sun West and spoke to someone, I was appalled to find out there has not been a new title search since XXXX of 2021!!!!! This is unacceptable!!! 

The negligence from Sun West that has not even bothered to do a new title search is incomprehensible! The fact that I have waited for MONTHS because Sun West can not get their act together and pull a new title report is criminal as they are now threatening to foreclose on my house on something that was taken care of back in XXXX!! This could have all been resolved in XXXX had Sun West done a little due diligence and looked this up themselves, but instead worked from an old title search. I have emailed screen shots from the Clark County Recorders to Sun West showing all the liens have been cleared. The recorders office told me they could not provide me with copies of the stamped lien releases, but I was able to see the release on their website. Sun West Mortgage is threatening with a 30 day foreclosure notice after their egregious oversight by stating I did not have a free and clear title when there is proof that is has been free and clear since XXXX of 2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: PNC Bank N.A.
State: TX

Complaint narrative:
BBVA Bank was being bought out by PNC Bank. In XX/XX/2021 I went to an office in person because I was unable to close my account online. I asked the woman to take my funds out and close my account. However, I still have a PNC bank account that I do not want. It has been very difficult to close this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Dear Sir, I start to inquire about the 20 years refinance from Bank of America on XXXX XXXX, 2021, from loan officer XXXX XXXX XXXX # XXXX and he told me that I am preapproved based on the credit report profile 's debt ratio. Based on his mortgage proposal - XXXX, then I start to submit the loan application by paying {$120.00}. The loan number is XXXX. 
The XX/XX/2021 I got a rejection message that said I have " 11 % off from the debt ratio to be approved and ask me to think of cash of {$31000.00} to pay off my daughter 's student loan. He said my current debt ratio is XXXX and need to pay down to below XXXX. '' It is a big gap. I have XXXX XXXX XXXX in XXXX credit file. If he told me from the beginning for this big gap of approval, then I won't go ahead to apply it. 
I request Bank of Amwerica to refund my application fee and no any other charge for my application. No integrity at all! 
Best regards, 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 monetary relief
Consumer complaint received 2021-12-20 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Account status incorrect
Company: CURO Intermediate Holdings
State: SC

Complaint narrative:
Account was sent to collections but still reporting as open on my credit report. I tried to file a dispute with XXXX and they still are stating that it is accurate and not closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-20 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: ARVEST BANK GROUP, INC.
State: CA

Complaint narrative:
Hello, For a property I own that is serviced by Arvest Mortgage Company, my property management has documented proof check was printed and I have a statement from my property management company noting date, check number, and reference number for the date. The management company has been doing accurate payments for years this way so I doubt they would choose this time to falsify a document/statement. I have had YEARS of on time payment. 

I have provided all this documentation to Arvest but they will only communicate via mail and refuse to address this mistake. 

XXXX site which should allow me to dispute with uploading information does not forcing me to mail documents in which is timely and horrible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AVANTE
State: FL

Complaint narrative:
I have incorrect information reporting to my credit and it is preventing me from purchasing a home for my family through XXXX XXXX  XXXX. Ive reached out to these companies several times and have explain to them that this is not my debt And they have failed several times to give me proof. On top of that My insurance premium is going up because of these collections and they are saying is mine luckily I still have my job and I havent missed out on any opportunities because of my credit score however it is harder for me to rent an apartment and that is the main reason why Im looking to get home. The deposit that I have to pay for my utilities as well as Internet is outrageous all because they are going based off my credit. At this point I dont feel like I can build wealth in America or even retire because of the falsely accused collections that are on my credit report. I hope your day is going well, but I need your help. I noticed the following issues with these accounts on my credit report. I did not authorize nor know anything about these accounts listed. these are fraudalent accounts. i know my rights. This is stopping my life please remove them immediatley .You have 30 days. FCRA 605B ( 15 U.S.C. 1681c-2 ) FCRA 615 ( f )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: AES/PHEAA
State: RI

Complaint narrative:
There is no way that these companies investigated this student loan. The same information continues to report on my credit. I honestly don't believe I was late and I don't agree with the total balance that they are reporting on my credit. It continues to report several inaccuracies among the 3 credit reporting agencies from the last student loan company. How is that possible? For example, Each bureau reports that I was late on a different date Also, Hows it possible that youve reported me 90 days late with no late payments prior to that? Wasn't XXXX sued by Cfpb before for not applying payments to consumers accounts correctly?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I have been banking with Bank of America since 2007 when I graduated highschool. I have never had issues with them despite their negative feedback everyone had about them even my spouse. I convinced my spouse that we should still keep the checking and savings with them. A month ago, my boss gave me a bonus in cash. I went to an ATM to deposit that bonus and some other cash I had in hand. I put my ATM card and clicked that I wanted to deposit the cash. After inserting the cash, {$800.00}, the atm froze and after a minute it gave me back my card and refused to return my cash. It gave me paper that stated " we apologize for the inconvenience, We are unable to process your request and return your items. Please contact our Electronic Claims Team and discuss this transaction ''. I rushed quickly to a bank nearby and reported this. Then gentleman told me to call the number that he could not do anything. I called the number and reported the matter. They gave me temporary credit of the amount while they investigated. XXXX week later they sent me a notice that they located the transaction but not the funds and they will deduct the temporary credit on the XXXX. When I called the representative yelled at me stating their is nothing else they can do. I spoke to a supervisor who asked me to send in the paper the atm gave me which I did. Today I called and they told me they still could not find the funds and there is nothing they can do and they will deduct the {$800.00} on the XXXX of XXXX. They state that I was at the atm but because of so many fraudulent activity that go on they can not know who is who. At this point its my word against theirs. But this is highway robbery and the only God knows. I need my money back. It saddens my heart that they can not investigate any further especially if they can see I was at the ATM. It is like no one cares at all.

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 2021-12-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Hello, For a property I own that is serviced by XXXX XXXX XXXX, my property management has documented proof check was printed and I have a statement from my property management company noting date, check number, and reference number for the date. The management company has been doing accurate payments for years this way so I doubt they would choose this time to falsify a document/statement. I have had YEARS of on time payment. 

I have provided all this documentation to XXXX but they will only communicate via mail and refuse to address this mistake. 

Transunion site which should allow me to dispute with uploading information does not forcing me to mail documents in which is timely and horrible.

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