vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: LD Holdings Group, LLC
State: FL

Complaint narrative:
Company Name : loan depot Closing date XXXX When we applied for the loan we were given 2 options, 1 with escrow tax and insurance and the second without escrow on tax and insurance at a higher interest rate. We chose to not to escrow the taxes and insurance. 

After we paid for the appraisal and 3 to 4 weeks passed. I was advised by loan depot that they could not escrow the flood insurance they did not know why. But they still charged us the higher rate. 

After that we received 6 closing disclosers from loan depot for our approval which stated that it included some of the home owners insurance on all of the approved disclosers. 

On the closing date we signed all the documents including the HUD disclosers as per the agreement again it included some of the homeowners insurance. 

The 3 days right of cancelation passed and loan depot funded the loan to the title company they called the title company and asked them if they had payed the mortgages off. After the title company advised them that they had then loan depot advised the title company that The borrowers would be getting less money as they did not included the flood insurance in the closing amount. Then loan depot changed the closing discloser to reflect the new closing amount and changed the monthly payment to include the escrow of the flood insurance. 

Let me be clear we did not approve this change or signed any new HUD closing disclosers. We were not asked by the title company or loan Depot to sigh or approval any of the changes they made without our knowledge nor were we giving the right to challenge or refuse the change. 

All this was done after they funded they knew that there was an issue but waited to fund first. 

We called and left a message at loan depot to find out what was going on with a manager regarding the lower cash back amount but they never replied. 

Later that day the person that was working with us called to apologize and that he saw what happened and that it was not right but that there was nothing he could due as it was done by management above him. He also sent us the new closing discloser with the changes they made. 

He said he was doing this on his own because he felt bad about what happened. 

We would like to know what document 's were sent to HUD? 

What are the official documents the ones we received at closing or the ones loan depot changed without our approval or knowledge? 

Is this even legal? 

So we ended up with a higher payment and received less money at closing. 

Me and my wife are licensed XXXX XXXXXXXX XXXX and XXXX  we have done many closing in the last 20 years and never see anything like this. 

Please let us know if you require any additional information. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-20 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: JPMORGAN CHASE & CO.
State: DE

Complaint narrative:
On XX/XX/2021 while booking a hotel stay with XXXX I was prompted at checkout to receive a discount on my reservation. The offer was from Chase Bank to apply for the XXXX XXXX XXXX card. By applying, I was offered a {$67.00} discount for submitting my credit card application at the time of booking. The application reference number was XXXX. I completed my reservation and enjoyed my stay. A few days later I received a letter from JP Morgan Chase with the Subject : Action Needed. The letter instructed me to contact XXXX XXXX to remove a Credit Freeze. I then notified Chase that the application is ready for review. I spoke to a female representative who informed me the application has been approved. I advised her that at the time I applied I was extended an offer by Chase for a discount on my hotel booking. The discount was {$67.00} off my stay. I accepted the discount offer and applied for the credit card at the time of booking. Upon check-in at the XXXX the discounted rate was not extended since Chase did not approve my application. At no time did Chase notify me that the offer was retracted and allowed me to complete both my hotel booking and credit card application. On XX/XX/2021 I spoke to another Chase representative to inquire about my discount. I was told, she could not help and transferred be somewhere with a hold time of greater than XXXX minutes. After XXXX minutes of waiting for 'who knows? ' I disconnected. I am seeking the $ {$67.00} credit as promised at the time of application or confirmation that my account is closed and that my annual fee is waived since I did not remain a customer long enough to benefit from the card. I have a credit rating of over XXXX and can get a card anywhere - I bank with XXXX XXXX XXXX, XXXX and XXXX. There is a reason why after having credit for 35 years that I have never used Chase. Great first impression - you lived up to the expectation that I was anticipating. Account number XXXX.

Company response to consumer: Closed with 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: CO

Complaint narrative:
According to my previous XXXX # XXXX my forbearance is extended to XX/XX/XXXX. " At this time, the remaining XXXX months of the extension has been granted. This final extension brings the forbearance valid through the XX/XX/XXXX. '' I got a letter from this mortgage company this month XX/XX/XXXX stating that my forbearance extended date is through XX/XX/XXXX. I do not approve this change in the forbearance date.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
A payment was made with my credit card to a roofer merchant. 
The service was not provided and I have submitted clear proofs to that ( pictures and contract ). 
Chase has refused to look at the proof provided and has dismissed the dispute based on no reason. 
I demand a fair and honest process to resolve the issue

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: EQUIFAX, INC.
State: GA

Complaint narrative:
I am a victim of Identity and this credit reporting agency hasn't removed the fraudulent items from my credit profile. They are violating FCRA 605B which states these accounts must be removed within four business days. I contacted the Federal Trade Commission and filed a complaint XXXX XXXX I contacted the XXXX XXXX XXXX  and filed complaint # XXXX, I filed a complaint with the Georgia Attorney General office and XXXX XXXX has removed it from my consumer report I also sent a notarized copy of these things to them via certified mail. 

Please remove these items as soon as possible : XXXX XXXX  BANKRUPTCY Reference Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX  XXXX XXXX Account Number : XXXX XXXX XXXX XXXXXXXX Account Number : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX XXXX  XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX UNAUTHORIZED INQUIRIES XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX - XXXX XXXXXXXX XX/XX/XXXX, XXXX, XXXXXXXX XXXX XXXX, Please block and remove all information resulting from Identity Theft pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that these accounts must be removed within 4 Business Days of receipt. 

FYI This is me disputing this information NOT a third-party agency. Please find my driver 's license attached.

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: TX

Complaint narrative:
On XX/XX/2021 please be sure to enter dates that all letters were sent. 

I sent disputed to Transunion, XXXX and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of all letters sent below. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

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 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: TX

Complaint narrative:
On XX/XX/2021 please be sure to enter dates that all letters were sent. 

I sent disputed to XXXX, XXXX and Experian for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of all letters sent below. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

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: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Atlantic Recovery Solutions LLC
State: UT

Complaint narrative:
XX/XX/2021 - Received a call from Atlantic Recovery Solution at XXXX PM. They gave information out without verifying who they were speaking with. I continued the call regardless and asked to send a physical validation notice. They refused to send me one. 
XX/XX/2021 - I called back to Atlantic Recovery Solutions at XXXX PM to verify what address they had on file, they had the incorrect address so I asked them to update it and send me a physical validation letter. They refused again.

Company public response: Company believes complaint is the result of an isolated error
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: Experian Information Solutions Inc.
State: PA

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 Experian 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 Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS FROM MY CREDIT REPORT : XXXX - XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ( Original XXXX : XXXX XXXX ) XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX ( Original Creditor XXXX 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 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: Incorrect information on your report — Information belongs to someone else
Company: Penn Credit Corporation
State: NY

Complaint narrative:
Penn credit Corporartion did NOT address my concerns. The did NOT send adequate verification of the alleged debt. They are in direct violation of my rights under the fair credit act. They must delete this erroneous account immediately. I have sent them proof of TAX return 2019, W2, paystubs, and a lease agreement in the persons name who apartment belonged to and they've done nothing to assist me in a resolution. They are not interested in hearing the facts. They did nothing to resolve this issue. I will seek legal action against Penn Credit corporation if they don't fix this matter right away. 

I have attached copies of all the documents sent to Penn credit corporation

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-20 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: EQUIFAX, INC.
State: IL

Complaint narrative:
THIS PROCESS HAS CAUSED ME EXTREME STRESS IN THESE ALREADY STRESSFUL TIMES. ALSO, TO KNOW THAT I HAVE DONE EVERYTHING ON MY END BY THE BOOK AND TO SEE COMPLETE DISREGARD TO THE SECURITY OF MY PERSONAL INFORMATION AND FINANCIAL REPUTATION FROM ALL THREE OF THE BUREAUS THAT PLAY SUCH A BIG FACTOR IN HOW LENDERS, EMPLOYERS, AND EVEN SOME GOVERNMENT OFFICES VIEW ME. 
THESE ACCOUNTS HAVE NOT BEEN PROPERLY VERIFIED TO ME SO I AM CONCERNED WITH THE INFORMATION THE BUREAUS ARE ACCEPTING BEFORE RUINING CONSUMERS LIKE MINE LIVES AND HELPING UNVALIDATED COLLECTION COMPANIES SMEAR OUR FINANCIAL IDENTITY. NOT ONE OF THESE CREDITORS/COLLECTION COMPANIES FOLLOWED THE FCRA PROCESS AND NEITHER DID XXXX, EQUIFAX NOR XXXX WHEN THEY ASSISTED THE COLLECTION AGENCY AND ADDED THIS FRAUDULENT DEBT TO MY CONSUMER CREDIT REPORT. 

ACCOUNTS : XXXX XXXX XXXX - {$0.00} XXXX XXXX - {$440.00} XXXX XXXX - {$650.00} XXXXI XXXX - {$250.00} XXXXL XXXX XXXX - {$680.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-20 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: BlueChip Financial
State: CA

Complaint narrative:
I acquired this spotloan and was trying to pay it off early XXXX and was told I had to wait until my latest payment was processed on XXXX of {$150.00} in case I may be overcharged. 
I did pay {$400.00} which lowered my balance to {$280.00} The agent told me to wait until the {$150.00} payment on XXXX has cleared. 

I called again on XXXX-The agent told me to wait until the payment had cleared which it did.. 
{$150.00} was charged on XXXX I called back today and they told me I owed {$280.00}. That was not correct!!! 
Which should've lowered my balance {$130.00}. But it did not. Instead the supervisor said we will allow you to pay this off for {$200.00}. I told them this is not correct and told them I would be reporting them for fraud. Clearly they wanted me to wait to charge me more. 

3 payments of $ XXXX {$460.00} XXXX XXXX {$400.00} - came from my XXXX XXXX account XXXX below is my XXXX  accountancy made All payments= {$860.00} XX/XX/XXXX SPOTLOAN XXXX XXXX XXXX : XXXX ACH debit - {$150.00} {$200.00} XX/XX/XXXX SPOTLOAN XXXX XXXX XXXX  : XXXX ACH debit - {$150.00} {$390.00} XX/XX/XXXX SPOTLOAN XXXX XXXX XXXX XXXX XXXX ACH debit - {$150.00} {$350.00} XX/XX/XXXX WITHDRAWAL XX/XX/XXXX | See details of this withdrawal. 
XXXX. debit - {$800.00} {$6.00} XX/XX/XXXX VBS_Spotloan XXXX XXXX ID : XXXX ACH credit {$800.00} {$800.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-20 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: Maximus Federal Services, Inc.
State: NJ

Complaint narrative:
This account contains a finance charge, which is the sum of all charges. Therefore, this account was paid in full upon the bank obtaining my credit card ( social security card ). This account should never be delinquent for any reason whatsoever, due to it being opened under an open ended credit plan.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Levy & Associates, LLC
State: MD

Complaint narrative:
Today, Monday, XX/XX/XXXX I received a writ of garnishment in the mail for a balance that I am unaware of. I contacted the collection agency ( Levy Lawfirms ) to get more information and I was told that I can not stop the garnishment since it had been filed with the courts and my only recourse was to either wait for a copy of the requested account information be to sent to me and let the garnishment take place or pay the balance in full. I was told that the information would be mailed to me and it can take XXXX weeks to receive it. When I inquired more about the debt I was told that it was from a XXXX account with XXXX XXXX XXXX  in the amount of {$6300.00} and then with XXXX XXXX XXXX and a judgement was entered against me in XXXX and that Levy Lawfirms had the account since XXXX. I informed them that I was never served any paperwork and that this is the first time I'm hearing of a debt. I asked if the garnishment could be put on pause until I received the documentation as I felt it was unfair to be penalized for a debt that may not be mine. I offered to make a payment arrangement as well as find out if a settlement could be made until the paperwork was received in order to stop the garnishment. I was told that if it was found out that the debt was not mine that I would be refunded the money taken from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-20 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc
State: SC

Complaint narrative:
My wife sent XXXX to my business b Venmo account. They in turn suspended not only my account but hers Also. We both provided all documents asked for an Venmo respond saying a vague policy reason.An refuse to open account and access money. Them says have wait XXXX just in case charge back. Which is impossible because the account has no card attached. 
That was Bill money and placed us in financial hardship. I ask to be able to access our funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: PNC Bank N.A.
State: MT

Complaint narrative:
We had a car loan through BBVA Compass bank that was paid off in XXXX. The lien release was not received by either our state XXXX or ourselves and therefore the vehicle title still has Compass Bank as the lien holder. 
Recently the vehicle was totaled in an accident and the insurance company only released a portion of the funds until they had information that the lien has been paid off. When contacting PNC several times, they say there is no record of us ever having a loan. 
They have also refused to give a loan release letter or statement that we do not have a loan through them when requested by our insurance company or ourselves, and they continue to reroute us back to our state or their title websiteXX/XX/XXXXwhich also has no record of the vehicle. During one call they gave us a number that is " fax only '' to contact that " could '' help, but we have had no response to that request either. 
Both we and our insurance contact have spoken with them numerous times, we have also connected twice with our XX/XX/XXXXafter being told it was under their jurisdiction, but the funds are still being withheld, and our state XXXX directed us here. 
We have been trying to resolve this since early XXXX XXXX. The Accident happened XX/XX/XXXX and the amount that has not been released is roughly {$13000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC
State: WA

Complaint narrative:
XX/XX/2021 I notified the lender they did not have enough money in my escrow account to cover the taxes due for XXXX XXXX they did not listen and had the escrow analysis rant it was still wrong. I mailed my own tax payment. Again in XX/XX/2021 they ran a new analysis where they finally noticed the shortage so they paid the taxes. This resulted in the county get the tax payment for XX/XX/2021 twice. The county accepted the payment and applied the 2nd payment to the XX/XX/2021 due date however Roundpoint did not run another analysis and continued to collect way to high of escrow payments months. Now we are at the end of the year they are holding almost {$3000.00} of my money and still haven't run a new analysis. Based on the bills yearly of {$4000.00} for taxes and {$690.00} for insurance they need {$390.00} monthly plus a small cushion. Yet my escrow payment monthly is still {$510.00} and they are currently as of XXXX holding {$2800.00} in my escrow account with no payments to taxes or insurance due until XXXX and XXXX and by that time they will have collected another {$2500.00} for a grand total in my escrow of $ {$5400.00}.

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