vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-05 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIZENS FINANCIAL GROUP, INC.
State: GA

Complaint narrative:
I sent the attached letter to Citizens One certified on XX/XX/XXXX and have yet to receive a response. The company is required to send me a signed contract with the signature matching my ID to validate the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: CA

Complaint narrative:
I applied for a refinance in XX/XX/2020, the process appeared to be fine starting with XXXX XXXX and XXXX XXXX. I paid for an appraisal, place was appraised at double the loan amount. They quoted me 45 days. They asked for the same documentation numerous times, I guess I didnt see this as a red flag for their inability to stay organized. They stopped returning calls, but when I would be able to get a hold of my loan processor, she would tell me we are almost there to the finish line. They would ask for new payoff statements since their deadline was passed, new bank statements, etc. 
Two and a half months into it I was able to speak with the loan processors manager, XXXX XXXX. He assured me everything would be resolved. My debt to income needed to be adjusted, I paid off a credit card in the amount of {$9000.00}. 
They asked me to get a letter from the credit card company showing this was completed. The underwriters confused where I am living with the property being refinanced. They could not understand the addresses were different. Letter after letter of explanation and Another three weeks went by with calling them daily. Sometimes not even a return of a call but an auto generated email, is everything okay we see youve called. Had numerous conversations with XXXX XXXX, where he apologized for all the lack of communication within his team and he assured me he would make this right and he would be In communication with me. None of which occurred. Waiting so long The rate expired, XX/XX/XXXX I received a call 90 days into the process saying they would not be able to move forward, no clear answers, unable to understand what happened in the 90 days of time.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-02-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NV

Complaint narrative:
I requested an Official Check ( Cashiers Check ) to be sent for my rent payment of {$940.00} on XX/XX/2020. I have called USAA at the very least 20 times over the past six months about this check ( including today ). I have been on hold for hours, requested call back from managers ( not received ), and requested my money returned to my account. After speaking with a supervisor last week, I learned that the check had never been cashed. It took USAA literally six months just to tell me that the check had never been cashed! After speaking with a supervisor last week, I was sent an Return Declaration of Loss form. It was profiled out with " Lost while in my possession/Lost by third party individual or company. '' I sent this form back with a correction that it was not lost by the receiver since it was never received. It was my rent payment that I had to replace! Calling USAA for months with absolutely no help from them whatsoever. I sent that form back to them by fax on XXXX XXXX. Today I called USAA yet again. After speaking with a representative, a supervisor then someone from their " CEO Office '' that takes calls, I asked one simple question. After holding my money for almost seven months, when am I going to get it back? ... .The reply was simply " I don't know - we're looking into this ''.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION
State: DC

Complaint narrative:
I entered into lending agreement with Amerisave in XX/XX/XXXX for a mortgage on a single-family residence in Washington XXXX All documents requested were provided and the loan moved into the final underwriting stages in late XX/XX/XXXX. On XX/XX/XXXX, I was provided closing disclosure documents ( attached ) for a mortgage nearing approval. Included in that document was a credit for {$13000.00} ( section L6 on the signed document attachment and closing disclosure ). On XX/XX/XXXX, I was notified that my loan application was approved and was provided a final closing disclosure which contained the same credit and contained a final dollar amount needed to close the loan. On XX/XX/XXXX, I proceeded to sign documents to close on the loan, assuming the accuracy of all documents provided up to that point in good faith. All documents for the mortgage were signed on XX/XX/XXXX and the sale was agreed to with the dollar amounts matching those provided to me previously. 

On XX/XX/XXXX, I received an email from the title company stating that the final closing disclosures, as provided to me on XX/XX/XXXX, XXXX, and at the loan signing on XX/XX/XXXX were incorrect and that I had incorrectly received a lender credit. The title company stated that the lender refused to settle the loan until I paid the outstanding amount of the credit in the amount of {$13000.00}. At no time did anyone from Amerisave reach out to notify me of their error. I attempted to contact them multiple times, as did my real estate agent. They refused to do anything and warned me that by not paying that amount, I could potentially be in default and lose the deposit I had put down. Despite my objections, I paid the amount demanded in order to close on the loan so as not to be in default and lose my deposit.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-05 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
CAPITAL ONE BANK USA XXXX XXXX Date opened XX/XX/17 Balance {$0.00} I'm just serious about the validity and reliability in your present evaluation and the missed payments meant for this particular account and exactly how it is reporting on my credit report. Around 45 days ago I applied for an examination because I felt the item seriously isn't being stated lately. To my surprise, I accepted a mail expressing that your assessment was achieved and that the item had been " determined as correct. Below Section 1681 ( g ) kindly give me a summary of the method accustomed to determine the account is " legitimate '' and post me the name and addresses of persons got into contact with in every guideline found in the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-05 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: General Motors Financial Company, Inc.
State: GA

Complaint narrative:
I sent the attached letter to GM Financial certified on XX/XX/XXXX and have yet to receive a response. The company is required to send me a signed contract with the signature matching my ID to validate the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
In XX/XX/XXXX, I applied for a home loan on the XXXX. On the XXXX, another application was submitted through a different group. While XXXX  and XXXX  took off the second application on my hard inquiries, TransUnion did not and has still not. I contacted them via phone call on XX/XX/XXXX to get them to do so and they said that on their end it is considered as one inquiry but that it will remain visible on my credit report for the two year time period and that if I want it removed from the report I would have to obtain a letter from the creditor myself saying that they authorize its removal.

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 2021-02-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: CA

Complaint narrative:
The loan was originated at XXXX and then XXXX then sold to Specialized Loan Servicing. The original loan doesn't call for a loan payoff quote fee, however when I applied for a refinance with another lender a loan pay off fee was charged to my XXXX statement of {$25.00}. I called Specialized Loan Servicing company and I got a very rude CSR who told me they can charge me anything they want to charge me and I have to pay it. I was told as my loan was purchased that old loan contract is no longer governed. I asked for a supervisor and was denied to speak to anyone else. 
I feel this company is cheating people and charging fees they should not be allowed to charge or at least are not allowed by the constraints of the original contracts they purchased. 
I wonder how many people have been cheated like this by this company?

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 2021-02-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: NY

Complaint narrative:
I have repeatedly called Fifth Third Bank ( my mortgage company ) for a Forebearance letter in order to get a reverse mortgage on my house and they refused to give me this letter. 
They also refused to provide my reverse mortgage company ( XXXX ) and I gave them power of attorney to obtain this info. 

I am XXXX years old and without this letter my house can go in foreclosure and lose my house. 

My account # is XXXX Phone # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Home phone XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-05 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: UT

Complaint narrative:
I have been a victim of Identity Theft. The Items I have identified and highlighted on my credit report in which I sent into XXXX do not relate to any transactions that I have made or have applied for resulting in Fraud creating several errors which have all hurt my credit score I value. I have asked XXXX to Please block, remove or delete this information pursuant to section FCRA 611. XXXX is the reason why this has happened!

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 2021-02-05 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: UT

Complaint narrative:
I have been a victim of Identity Theft. The Items I have identified and highlighted on my credit report in which I sent into Equifax do not relate to any transactions that I have made or have applied for resulting in Fraud creating several errors which have all hurt my credit score I value. I have asked Equifax to Please block, remove or delete this information pursuant to section FCRA 611. Equifax is the reason why this has happened!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: PA

Complaint narrative:
I recently was notified that my mortgage is reporting 30 days late as of XX/XX/2020. This must be incorrect as I have been making on time payments on my mortgage for quite some time now. It's only reporting on XXXX and I'm certain this has to be some kind of system error.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-05 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: Early Warning Services, LLC
State: LA

Complaint narrative:
I honestly don't know when this started but I just checked my credit score and it was and then I got a letter in the mail saying lack of sufficient relevant account information I have too many collection agency accounts that are unpaid etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
Midland credit has reported a XXXX bank account collection 4 times the month of XXXX and it has negatively affected my credit score and life. This account has not been confirmed as mine and they have failed to produce adequate documentation supporting the matter which I initially requested XX/XX/2020. Spoken to XXXX XXXX XXXX who is assisting midland credit in the dispute. 
Original account number with XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-05 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — 
Company: Reverse Mortgage Solutions, Inc.
State: NJ

Complaint narrative:
Summer of XXXX and the Winter of XXXX Reverse Mortgage Solutions ( RMS ) Inc inaccurately and negligently claimed my primary residence was vacant. I both called and emailed the company on multiple occasions to correct this. RMS placed my loan in default due to a covenant on vacancy incorrectly. This error and 6 month period to not resolve resulted in listing my home online as foreclosed ( see XXXX and various online real estate platforms ). To make matters worse I was assessed a litany of frivolous and inaccurate charges. The company is highly unethical and has inept staff. Further evidence such as action take by the NYDFS and the Kentucky Dept. of Financial Institutions further demonstrates a persistent and pervasive series of control failures. The firm 's agents knowingly exploit older, federally protected classes ( I am a XXXX XXXX Veteran ). Expectation is compensation for decreased home sale value due to inaccurate listing as foreclosed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-05 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: GA

Complaint narrative:
I sent the attached letter to Nissan Motor Acceptance Corporation certified on XX/XX/XXXX and have yet to receive a response. The company is required to send me a signed contract with the signature matching my ID to validate the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-05 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: TX

Complaint narrative:
XXXX continues to report a debt that is not mine. Due to this fact XXXX has stated that they will no longer attempt to collect on the alleged {$550.00} debt. However they have not removed it from my credit report. I never authorized this account. This is not my debt and in accordance with the FCRA this should not remain on 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 2021-02-05 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: FL

Complaint narrative:
I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I want to open an investigation and solve my problem because is affecting my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-05 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel, Engelhardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefor any such debt in fact exists. There has been no response or update to my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-05 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: TCF NATIONAL BANK
State: MI

Complaint narrative:
A personal Guarantee on a business loan was taken out with Chemical Bank in XXXX, MI. In the process of the loan, they placed a lien on my residence. This loan guarantee was discharged in Bankruptcy XXXX of XXXX and is still on record at the county not allowing me to do a reverse mortgage on my home. We ( my attorney and I ) have worked for nearly two years in an attempt to have them send me a discharge of lien so I can provide that to the new lender. Chemical Bank refuses to send me a discharge. Files are attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-05 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I sent a request to investigate inaccurate accounts on my credit profile on XX/XX/2019, it has now been years since I sent my inquiry but I have yet to receive a response. I'm looking to purchase a home/car and the inaccurate information on my profile are stopping me from achieving my dreams.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-05 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Santander Consumer USA Holdings Inc.
State: GA

Complaint narrative:
I sent the attached letter to Santander certified on XX/XX/XXXX and have yet to receive a response. The company is required to send me a signed contract with the signature matching my ID to validate the debt. Also, They are involved in a class action settlement. The settlement includes all auto loans from XXXX. Both accounts on my credit report fall in that range. Santander has sold the accounts to collections and kept both original accounts on my credit report against the settlement.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-05 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC
State: GA

Complaint narrative:
I received a call from my mortgage company " Quicken Loan '' " XXXX XXXX, stating my loan qualify for a FHA Streamline refinance and I will not have to come out of pocket at closing. He stated no appraisal fee, but he would need to pull my credit. I reached out to a Banker at Quicken to verify the refinance was a not scam or fraud.

I allowed Quicken " XXXX '' to pull my credit on XX/XX/21 and I qualified for the refinance. 

The next day XX/XX/21 XXXX called me and stated my interest rate would be XXXX and my monthly payment would be {$820.00}. XXXX in turn told me it would be a FHA closing fee of {$2200.00}. Quicken " XXXX '' told me it would not be any fees coming out of my pocket. 

The same day I reached out to XXXX XXXX, CEO on XX/XX/21 asking for help and why would XXXX come up with a fee at closing when i ask him before he ran my credit. 
I stated in the email to XXXX XXXX, CEO I would have never allowed my credit to be pulled if I had to pay any type of fee. I asked for his Help. 

A XXXX XXXX emailed me and I called him, XXXX stated he want to solve the issue, sure he does? He state the {$2200.00} was the " upfront mortgage premium '' 1.75 % would go to FHA. I stated to XXXX I will call him back and I emailed him as well on XX/XX/21 he never answered my call or emailed me back. 
I verified with FHA and it is true regarding the " upfront Mortgage premium. '' I do not know how they are going to make this issue right. They need to make this right with a letter to the Credit Bureaus stating the Hard Pull on my credit need to be a Soft Pull because of " misleading and unethical practices from the Lender. '' This type of under handed process has cause me to distrust them. Not only that, Quicken " XXXX '' should have known it would a fee at closing. 

Shame on you Quicken Loan.

Company response to consumer: Closed with explanation