vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-09-14 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: Dovenmuehle Mortgage, Inc.
State: MN

Complaint narrative:
We are filing a complaint due to inaccurate late payments showing on our credit report from our mortgage company, XXXX  XXXX ( XXXX XXXX XXXX  ). Details for this complaint are as follows : In XXXX of XXXX we contacted our Mortgage company XXXX XXXX ( XXXX XXXX XXXX ) to inform them of some financial difficulties we were having and that we were unable to make our XXXX Mortgage and wanted to know if there were any options to defer our payment. They informed us that they did not offer any type of deferment options and that we would need to call back after the XXXX of the month for any options they had for a late payment. We then called them the XXXX week of XXXX and were told the best option would be a loan modification which would defer 3 payments on the loan if the terms of the modification were approved and completed as agreed. The representative informed us that these payments would not be listed as late as long as the terms were met, we completed the application process on XX/XX/XXXX and they were received via secured download on XX/XX/XXXX. The completed package acknowledgement was sent to us on XX/XX/XXXX and our trial modification plan was sent on XX/XX/XXXX detailing the terms of the flex modification which had {$1600.00} due on XX/XX/XXXX, XX/XX/XXXX, & XX/XX/XXXX for the 3 trial payments for the modification to be approved. XXXX XXXX received the XXXX payment for XXXX on XX/XX/XXXX, the second payment for XXXX on XX/XX/XXXX ( this payment was sent on XX/XX/XXXX but not recorded on their end until the XXXX ) and the final payment for XXXX was received on XX/XX/XXXX. The three payments listed prior kept us well within the terms of the modification and our first actual payment for the new modified loan ( starting in XXXX ) was received on XX/XX/XXXX. 
Aim Loan has reported us late 7 times since this began, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX and XXXX. This is not at all true, we are requesting you to investigate and correct our credit report with the correct information. We do have detailed documentation to support our complaint and will provide upon your request.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-14 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Had late payments on the account when it first opened due to creditor had wrong address on file the late fees where adjusted due to the mistake but the account never reported that correctly

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-14 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:
MY INFORMATION WAS USED TO OPEN THIS FRAUDULENT LEASE ACCOUNT THAT I DID NOT OPEN SOMEONE USED MY INFORMATION TO OPEN THIS LEASE I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX  CRA. On XX/XX/2020, I mailed XXXX, TransUnion and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: WELLS FARGO & COMPANY
State: UT

Complaint narrative:
Knew of the debt and had agreed to have the company take the funds from my bank account via ACH withdrawn. Since no communication/contact, either in writing or phone number had been received it was assumed that the debt had been paid for and cleared. Till I pulled my report today XX/XX/2020 and saw a 'WF/XXXX XXXX   ' Charge off as of XX/XX/2020. 

I do not feel like my rights as a consumer has been upheld through the FDCPA as there has been at bare minimum no written notices for the debt.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SD

Complaint narrative:
I have a mortgage with Bank of America. They had a mortgage system update in XXXX, and since that time I have had several issues. On XXXX, I had a balance of {$6500.00} on my mortgage I sent a {$2500.00} payment from my bank on XXXX which did not post. I sent a {$500.00} payment from my bank on XX/XX/XXXX which did not post to my account. I called BofA repeatably for the next two weeks,  experiencing hold times in excess of XXXX XXXX hour each time. They finally gave me an ETA of XX/XX/XXXX to locate and post my payments ( unacceptable ). 

Since I was very close to paying off this loan, I submitted a {$3500.00} payment on XX/XX/XXXX. That payment did post to my account, along with the {$2500.00} payment. The payment of {$500.00} is showing on the account as 'unallocated ' as I was close to paying off the account. I've called several times to get that amount allocated so that I could get an accurate payoff amount. Currently my account shows a {$590.00} principal balance. A representative told me that my payoff would be {$100.00} and that it had to be wired, or sent via certified check per our agreement. I never had an agreement with BofA as my mortgage was sold to them, but I spent the extra {$25.00} to have a payment wired. I wired {$110.00} to them on XXXX and that payment also has not posted. I called again on XX/XX/XXXX, and a supervisor was supposed to call me back on Friday, XX/XX/XXXX - which they did not. Today my balance still shows {$590.00}. They have had my {$500.00} for over a month, and my {$110.00} for a week. Nothing is happening. 

I'm currently on hold with BofA, for the 5th time.. I have over 12 hours of phone time with them to pay off a {$590.00} mortgage. It's unacceptable for a financial institution to treat customers in 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 monetary relief
Consumer complaint received 2020-09-14 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
Early this year Synchrony Bank ( Gap Credit Card ) offered card holders a promotion. If one spent {$500.00} in XXXX to XXXX, inclusive, on non Gap purchases one would receive a {$50.00} Gap credit certificate. I did this, never received the certificate and eventually called the number on my credit card and was sent the {$50.00} certificate. 
The promotion was run again for the period of XXXX, XXXX, XXXX. Spend {$500.00} in non Gap stores and receive a {$50.00} Gap certificate. I spent the {$500.00} and again no certificate. I called over the summer and was told I would receive the certificate and that it took a couple of billing cycles. 
I am filing this complaint because I have not received the certificate. A short while ago I called XXXX and spoke to a representative of the credit card company who said there is no record of the promotion existing. At this point I can not the email offer. I called Gap customer service and they said it is a credit card promotion. 
Synchrony Bank can not continue to offer these promotions and then not follow through and them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-14 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: United Check Recovery Bureau, Inc.
State: TX

Complaint narrative:
A company by the name of United Check Recovery repeatedly called me. Asking me to verify who I am. However, I declined due to the multiple scams going around from fake companies.

As of today, I have not received any documentation or debt validation or verification.

I have called multiple times to inquire.

I first spoke with a XXXX XXXX which is unprofessional and implied about actions being taken because I called. His number is XXXX. Please check his recording between XXXX XXXX central time.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Global Lending Services LLC
State: WI

Complaint narrative:
As the result of an error at XXXX of XXXX this inquiry as added to my credit report. Ive communicated with GLS and sent them a different letter from XXXX explaining the situation that I no longer have access to. GLS has been uncooperative with removing this unauthorized inquiry from my credit report and I feel bullied into an inaccurate credit report because they dont care nor offer resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-14 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ProCollect, Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX  for XXXXaccont number is XXXX by pro collect, inc .address is XXXX XXXX XXXX XXXX XXXX XXXX Tx XXXX.this is wrong report .please remove it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I recently sent letters over 60 days ago to these bureaus and they are disregarding regular consumer disputes. I have sent multiple letters in the past with no response and this has become a very stressful situation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-14 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: SC

Complaint narrative:
PHH Mortgage is supposed to have my property taxes included in my escrow. Just like my last mortgage company that they bought me out of. Since I own a mobile home. Land, and house taxes are billed separately. The total amount is what my property taxes are, and have been for 5 years on my escrow with my last mortgage company. However they are only paying the land taxes out of my escrow and refusing to put my home taxes back on my escrow, and include it in my property taxes. This is already in my legally binding contract with the previous mortgage company that they bought me out of. I never had an issue with this for 5 years until PHH bought  me out of my mortgage with XXXX XXXX. I contacted them numerous times. Spoke to numerous " escalation '' managers. One named XXXX. He gave me his extension that he never answers and his voicemail box is always full. I get hung up on, I get excuses. But no answers as to why they removed my home taxes from my escrow account. I have never missed a mortgage payment. I'm on the verge of filing a lawsuit. I have been dealing with this for months now.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: IL

Complaint narrative:
On XX/XX/2020 I called my previous mortgage company, NewRez/Shellpoint Mortgage to advise them I was refinancing my loan and to not make the XX/XX/2020 county tax payment. The title company for the refinancing paid the county tax payment on XX/XX/XXXX and their system would have blocked any attempt by NewRez to send a duplicate tax payment. 

On XX/XX/XXXX I received my escrow refund from NewRez/ShellPoint for just {$3600.00} which is minus the {$8600.00} tax refund. I tried resolving this issue with NewRez by calling them to ask that they research the issue on their end and to send me the missing escrow funds immediately. I was simply told their records showed the payment was made and that there was nothing I could do but file a dispute. I said, " That's why I'm calling! '' They provided me with a fax number ( who faxes anymore? ) and an email address. I have emailed them my dispute which seems unfair since I already verbally advised them of my dispute by phone.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-14 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: MA

Complaint narrative:
ON XX/XX/2020 I SENT {$100.00} USD TO A FRIEND IN XXXX PAY {$4.00} USD FOR THAT MONEY TO BE DELIVERED TO HIS ADDRESS, THAT MONEY NEVER ARRIVED AND I HAVE CALLED SEVERAL TIMES TO GET THE MONEY BACK AND THEY HAVE NOT DONE IT, THEY ALWAYS HAVE AN EXCUSE, CURRENTLY I ONLY WANT MY MONEY BACK INTO MY BANK ACCOUNT.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-09-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
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: CA

Complaint narrative:
I see multiple 30 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-14 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Thaxton Investment Corporation
State: TN

Complaint narrative:
I received a loan check for XXXX in the mail. It came with a letter and promissory note. The letter said this is a real check that you can endorse and deposit with no application, no phone calls, no waiting. I signed and deposited on the XXXX of XXXX in MY bank. The promissory note claimed I had three BUSINESS days AFTER the check cleared the lenders bank to pay the loan without having to pay an acquisition fee or interest. I was called by the lender on friday the XXXX asking for personal references. I was upset with this and called them back to pay the loan off and not go through with it on monday morning the XXXX. They did not honor the note which said I had within three business days after it cleared their bank I could pay without fees. I was charged XXXX to get out of loan.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-09-14 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: CA

Complaint narrative:
I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-14 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: FL

Complaint narrative:
I have paid off every credit card that I have except XXXX on my XXXX  card and equifax and XXXX  are steadly droppping my credit score instead of raising it. All payments were paid before due dates and I at one time had a credit score of XXXX and its dropped stedily since even with on time payments and paying off credit early. Called equifax and they have no way to check into why is what the girl on the phone told me this morning. Their ID verification doesn't work we tried twice it wouldn't go past the loading phase. So she can't send me my up to date credit report. They can drop your credit at any time at their own disgression and we the consumer have no recourse.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-14 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
THIS IS NOT A DUPLICATE COMPLAINT IN THAT WE HAVE SUPPLIED ADDITIONAL INFORMATION AND THE COMPANY HAS FAILED TO ADDRESS THE FEDERAL LAWS THEY ARE BREAKING. 

THEY HAD 30 DAYS FOR THEIR INVESTIGATION AND THEIR REPLY THAT THEY ARE STILL INVESTIGATING AFTER THE 30 DAYS IS ILLEGAL!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-14 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ZWICKER & ASSOCIATES
State: CO

Complaint narrative:
I spoke with XXXX XXXX in the collection department at Zwicker & Associates on XX/XX/XXXX, and agreed to a settlement of {$2500.00} with payments starting on XX/XX/XXXX in the amount of {$100.00}, and than every 2 weeks of {$250.00} until the {$2500.00} was satisfied. Confirmation # XXXX. Today a received an agreement stating I agreed to over {$6000.00}, with payments of {$250.00} every 2 weeks until XX/XX/XXXX. This is not right!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-14 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: J&D Recovery, Inc.
State: KS

Complaint narrative:
The first occurrence was on XX/XX/XXXX. Part of this was bad timing ; however while I was at a doctors appointment my father called my frantic. He said that someone tried calling him looking for me. Then this same person 10 minutes later called my XXXX year old brother who is now calling my father worried. And then 10 minutes after that called my XXXX year old son. Everyone was panicked. It was horrible timing, and I told him to never call my family again. He said he got all of their information from the state of KS. 

Then the strawthe debt collector called my work twice on XX/XX/XXXX. I told them this was my work, and she kept placing me on hold. I was trying to work so I hung up. She called back and said we must have got disconnected and I told her again for the XXXX time this was my work. She became argumentative and I hung up as I was trying to work. 

Then Monday, XX/XX/XXXX, I received another call on my direct work line. I recognized the number and was on hold for around a minute when the girl got on. It was the same girl, XXXX XXXX, and I told her, AGAIN, that this was my work number and the XXXX time I have told her NOT to call me here as now it has made my office aware of my private situation. She said this is not your work number. She also said this is what the girl gave me to call. Well she did call my work, the receptionist gave her my direct desk number at work. I told her I had to get off the phone because I was working and she said I wasnt working??? 

I have the collection agency to send me documentation clear back in XXXX and have yet to receive it. I was told to go online and check it. I told them I wanted verification of the debt from them in writing. Still nothing. I have worked with collectors in the past, but never anything so vile in my life

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: TOYOTA MOTOR CREDIT CORPORATION
State: TX

Complaint narrative:
Bottom line : Toyota financial is reporting late payments to the credit bureaus on a loan that I've already paid off and has a XXXX  balance. 

Background : I took out an auto loan with Toyota Financial for {$27000.00}. 

I paid off the entire balance so my account online was showing {$0.00} dollars. I spoke with an agent who said they would send me the title. A month later I received a letter in the mail saying I owed {$140.00}. I called because I was told my balance was paid off, and spoke to a manager who said there was nothing I could do about the charge and that it wasn't late yet, but that if I didn't pay it, it would reflect negatively on my credit report. 

So, even though I did not believe I owed the money, and felt like the manager was using the leverage they had over me in a very unscrupulous and condescending way, I went ahead and paid it that same day to avoid the hassle. 

The payment was processed and my account continues to show a XXXX  balance. I received no letter in the mail and no email saying I owe anything further. I don't owe anything further, but I received a notice that my credit score had dropped. It has dropped twice from two reports made by Toyota Financial for late payments. 

I have tried to resolve this complaint with Toyota Financial,  but was just hung up on by the customer complaint department after I was transferred to them.

Company response to consumer: Closed with non-monetary relief