vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CALCON MUTUAL MORTGAGE LLC DBA ONETRUST HOME LOANS
State: NC

Complaint narrative:
Contracted with XXXX XXXX in XXXX, NC regarding the construction of a new home. After speaking with the XXXX sales rep, decided to move forward with their preferred lender due to the incentives. Scheduled an appointment to talk with the lender, XXXX XXXX, with XXXX XXXX on Monday, XX/XX/XXXX. At that time I explained to him that I was looking to apply for a USDA loan and to pay off an installment loan with NC State Employees XXXX XXXX XXXX to improve my XXXX. He said he understood this and would get back to me in XXXX weeks since underwriting was behind. On Monday, XX/XX/XXXX, I learned from my realtor calling me that XXXX XXXX 's manager, XXXX XXXX, completed my file on Friday, XX/XX/XXXX since XXXX was out of office and denied my application. Mr. XXXX called XXXX to inform them I did not qualify, but did not contact me. I learned on Monday from talking with XXXX at XXXX that my application for a FHA loan was denied due to Debt To Income and that they would be putting the home I contracted back on the market. This was in contradiction to what Mr. XXXX and I discussed regarding me paying off my loan and requesting a USDA loan. After calling multiple times, I finally got in touch with Mr. XXXX who informed me that my debt to income was high based on the information my HR submitted on the Verification of Employment. I emailed my HR on Monday afternoon and received a response Tuesday morning that they did not indicate on the VOE the things Mr. XXXX claimed and verified my income and other earnings on an email I CC 'd Mr. XXXX on. Due to OneTrust Homes not verifying the information on my VOE wth my HR and doing their due diligence, I have been unduly denied credit that I believe I would otherwise qualify for which caused me actual damages in losing my home. I have tried several times to rectify this issue with Mr. XXXX, including calling their corporate office. I finally reached him on Tuesday, XX/XX/XXXX in the evening and he said he would re-evaluate my application and get back to me in 3 hours. Two hours later, he texted me saying that he would contact me by noon on Wednesday, XX/XX/XXXX. It is now XXXX XXXX and I have not received any communication from him or his office. I believe I am purposefully being lead around as to allow time for XXXX to sell the home that I contracted to someone else since it has been made clear several times that OneTrust and XXXX are in communication and yet no one is communicating with me. Again, if the manager had any questions about my XXXX, he should have spoken with my HR instead of assuming and denying me credit based on what he believed and not what was verified. Thank you for your time.

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 2021-04-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PARAMOUNT RESIDENTIAL MORTGAGE GROUP
State: FL

Complaint narrative:
The Mortgage company Paramount Residentioal Mortgage Group, Loan # XXXX is charging me for gap coverage even though I showed documentation of payment of my insurance four days before it was due. 

From what I was told by my insurance Company, XXXX, they did not receive the check until the XXXX, 3 days after the due date and returned my check. This was an unusual 7 day delay, which was unbeknownst to me until a few days later. 

My insurance agent had to rewrite the policy and I repaid, renewing the coverage, ( acct # XXXX ) as of XXXX XXXX.causing the gap. 

I filed a complaint with the mortgage company through email, which was not accepted and then through their website as requested. the website was unable to upload documents and instructed to fax. I faxed the documents on a weekday around noon, but after many busy signals, they just did not answer the fax and my issue has been ignored.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07 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: FL

Complaint narrative:
While checking my credit report, I notice an account from XXXX XXXX XXXX XXXX that I believe is not being reported correctly on my credit report. On XX/XX/2020, I sent them a certified letter informing them that they were reporting inaccurate information on my credit report and requested that they provide me with the information that they used to verify the accuracy of my account. After not hearing from them for more than 45 days, I sent another certified letter on XX/XX/2020, again requesting that they provide me with the information they were using to prove the accuracy of my account. As of today, they are still reporting negatively on my report. I also sent certified letters to the three credit bureaus, along with my incident report, asking them to verify or remove the negative report on my credit report that XXXX XXXX XXXX XXXX is reporting. So far, I have not gotten a response from them either. As you can see, I have been dealing with this situation for several months with no success, so I am writing to you to help me with this matter.

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 2021-04-07 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: EQUIFAX, INC.
State: FL

Complaint narrative:
While checking my credit report, I notice an account from XXXX XXXX XXXX XXXX that I believe is not being reported correctly on my credit report. On XX/XX/2020, I sent them a certified letter informing them that they were reporting inaccurate information on my credit report and requested that they provide me with the information that they used to verify the accuracy of my account. After not hearing from them for more than 45 days, I sent another certified letter on XX/XX/2020, again requesting that they provide me with the information they were using to prove the accuracy of my account. As of today, they are still reporting negatively on my report. I also sent certified letters to the three credit bureaus, along with my incident report, asking them to verify or remove the negative report on my credit report that XXXX XXXX XXXX XXXX is reporting. So far, I have not gotten a response from them either. As you can see, I have been dealing with this situation for several months with no success, so I am writing to you to help me with this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: The Law Offices of Jennifer McCoy, PC
State: TN

Complaint narrative:
On XX/XX/2021 I was alerted that I had an update to my credit report. When I checked it, an account from The Law Offices of Jennifer McCoy had been added to collections which resulted in my score decreasing by twenty points. On XXXX XXXX I wrote The Law Offices of Jennifer McCoy asking for the original contract to be certified mailed to me, showing that I, the consumer, owes The Law Offices of Jennifer McCoy a debt. I then receive a letter dated XXXX XXXX from the law firm, which was not enclosed with the contract that I had requested, but enclosed with a statement. Shortly after, the account was removed and my score went by to the original score, raising it twenty points. 
My complaint is : due to Law Offices of Jennifer McCoy, my reputation has been compromised. According to FCRA 15 USC 1681 ( 1 ) The use or threat of use of violence or other criminal means to harm the physical person, reputation, or property of any person. Also 15 USC Code ss 1681 o-Civil liability for negligent noncompliance ( a ) Any person who is negligent in failing to comply with any requirement imposed under this subchapter with respect to ay consumer is liable to that consumer in an amount equal to the sum of- ( 1 ) any actual damages sustained by the consumer as a result of the failure. 
I asked the law office to provide me with a copy of the certified original contract, which she did not do. Due to the law offices negligence, my score went down twenty points.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: XOOM CORPORATION
State: FL

Complaint narrative:
I send {$200.00} to XXXX, XXXX on XX/XX/2021. The Money Transfer  co XXXX authorised by XXXX gave me 6 cash pick up locations to pick up cash. But none of those locations were not there or move out from the locations given. 
So I canclled the transaction on XXXX XXXX. Following is the Reciept Cancelling the Transaction Xoom, a XXXX Service Transaction cancelled As you requested, we have cancelled your transaction. 

If we owe you a refund, please allow up to 3 business days after the payment is processed to receive your funds. 
I have tried to talk and email to the customer service but no one is picking up the phobe and no answee on line. I am totally in dark.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: TAYLOR MORRISON HOME FUNDING, INC.
State: TX

Complaint narrative:
Loan Closed XX/XX/2021 I was not able to qualify with the Builders Lender. 

All income and asset docs were submitted to the Lender along with my offer letter detailing my compensation. I was advised by the loan officer that my differential income ( production bonus ) would be treated as " commissions '' for the purpose of averaging my income. 

Egregious errors were made by the Mortgage Company in regards to calculating my income showing my earnings to be less than half of the actual income. It was presented to me that I had to sell my house and pay off a car loan in order to qualify. I was able to obtain financing and closed as scheduled without those conditions. It not only cost me extra in Rush fees, but I also lost the incentives listed in my contract. My loan was underwritten in accordance with XXXX XXXX guidelines as a XXXX loan. The mortgage company should have been able to do the same and approval should not have been contingent on the sale & settlement of my house + the payoff of a car loan. 
o I was given additional options due to an accommodation given by the Builder to address Contract issues. The incentives were more than the additional options, so it appears to be a claw-back. 

I contacted the XXXX XXXX XXXX & XXXX XXXX for resolution. The XXXX declined to make any adjustments.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07 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: CITIBANK, N.A.
State: CA

Complaint narrative:
In XX/XX/2021 I reached out via letter to XXXX XXXX to resolve this account. They were unresponsive. I followed up again as a follow up in XX/XX/2021 to resolve this account. This company was unresponsive. Please remove this account as this company has been unresponsive and did not respond in the allotted 30 days. Please remove from my credit 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 explanation
Consumer complaint received 2021-04-07 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS, I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. ITS HAS NOW BEEN OVER 30DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE NOT YET TO RECEIVE ANY REPONSE. 

INITIAL DISPUTE XX/XX/2021 30 DAY DEMAND XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07 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 had my credit reports frozen on all three reporting bureaus. 

Today XX/XX/2021, in order to apply for an apartment lease I went to unfreeze them. 
I had no problem doing that with XXXX or XXXX, but Equifax was not able to process my request online so I called the number they provided. 

After completeing a lengthy verification of my identity I was told they were unable to remove the freeze and I should call back another time. 

Their system had no problem verifying who I was, and promptly unfreezing a report should be an obligation they have given the role they play in credit processing and approval. 

I was unable to connect with a XXXX, and the agent would only give his name as XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Shellpoint Partners, LLC
State: NC

Complaint narrative:
This is my XXXX complain about new rez previous complain. 
XXXX where company said they closed wrong account due to wrong refinanced .. when they said they closed wrong account then why New rez has reported late payment to credit beurow. resulting not allowing me to have any loan since XX/XX/2021 so far. 

what is my fault in overall process if i don't have fault then why my credit is bad becuase of your report. who is responsible for late payment and who is responsible for wronf account paid off. how better mortgage know about wrong account unless you provided them wrong account to pay off. why my credit is wrong and why i am suffering?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07 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: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
XX/XX/2021 JPMCB CARD + New Credit Inquiry Added Ran my credit without my consent! 

XXXX XXXX auto ... report late payment XXXX and system error! Still never removed it

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I'm trying to redispute items on my credit report but Experian isn't allowing me to. As long as incorrect information is on my credit report I will continue to dispute them. I believe they are in violation of my rights. I can and will continue to dispute.

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 2021-04-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: IL

Complaint narrative:
Three months ago, I responded to a promotion for an American Express XXXX XXXX XXXX card that promised XXXX miles. I was instantly approved, charged and paid for the required amount for services and merchandises and paid the {$250.00} fee. When the promised miles did not appear on my statement after three months I called and was informed that I had not qualified from he promotion miles. American Express/XXXX  never informed me of this and I kept charging and paying for services and merchandise that I could have put on another card. I was also informed that I was ineligible to receive a refund of the {$250.00} fee. The person I spoke with at American Express is XXXX, his employee I.D . number is # XXXX ; his supervisor whom he promised would call, and never did is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
PHH Mortgage has deceptive practices that prevent customers from paying their bills in advance. Here are the facts : I recently refinanced my mortgage, in which my loan was sold from XXXX Loans to PHH Mortgage ( hXXXX XXXX XXXX ) in XXXX. As I am vigilant about paying my bills, and often pay my mortgage in advance, I was concerned when after making my first payment with PHH through their mobile app, I was no longer able to pay my mortgage in advance through the app, as I received an error message stating " You are not eligible to make a payment at this time '' and prompting me to call XXXX. I immediately called the company and they informed me that the error would go away as it was only there because I just made a payment and it was still processing. A few weeks went by and the error message did not go away and it did not allow me to pay my mortgage in advance, which is a major red flag as I never had this issue ( preventing me from paying the mortgage ) with any other mortgage company that I have had ( XXXX  XXXX XXXX and XXXX Loans ). I called them back again and this time the rep told me that I could not make electronic payments in the app until I signed an amendment, which he would mail to me, a detail that was not provided to me when I initially called a few weeks earlier when I first saw the error message. I also asked for the amendment to be emailed so I could get an electronic copy of the amendment, which he said he would do. Fast forward a week later, no email, no amendment in the mail and I am now getting closer to the due date for the mortgage. I called PHH again on XXXX. XXXX, and this time, after stating that I never received the amendment, the rep said to give it more time for it to arrive in the mail. I then noted that I got other promotional emails from PHH but none that included the digital copy of the amendment they would be mailing. When I asked for them to email me a copy of what they allegedly mailed to me, they told me they did not have a copy in their system. Another red flag as I would imagine all customer communications need to be documented especially for an amendment which they make appear to be a standard requirement for all customers to sign. As of XXXX there is still no resolution, which is why I am filing a formal complaint as I am concerned PHH Mortgage is executing deceptive practices with its customers in order to prevent them from paying their mortgage in advance and currently putting me at risk for not paying my bills on time. I also just discovered that as of XX/XX/2021, this company has a class action lawsuit against them in connection with unauthorized servicing fees, seems like this is another deceptive practice that should be investigated.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
We pay tax directly to our town. My wife forgot to pay tax man in late XXXX and early XXXX. When I was notified I sent BOA a payment for XXXX in XX/XX/XXXX to get us back on schedule. BOA has been screwed up ever since. After I finally got a person to return our call she ended up asking for us to send her XXXX and they would refund it. We said OK but need this in writing. She ( XXXX ) said they can not put anything in writing to us. Im concerned that they are going to keep this madness going for another year. We have made all tax payments and mortgage payments and need BOA to release us from XXXX payments. All of there branches are closed in NJ and no one can fix there computer problem. They acknowledged that they can see the tax collector has returned 3 quarterly tax payments. They are threatening to take our house and refuse to stop. Help us help them!!! We have not missed a payment in over a year and it was an error. Have been with BOA since XXXX. Help XXXX 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