vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc.
State: CA

Complaint narrative:
Hello, In XXXX of XXXX I switched from a renter 's insurance policy to homeowners. I reported the change and provided proof of the new policy and the policy number to Dovenmuehle Mortgage ( DMI ). 

In the following month I received notice that I would have lender-placed hazard insurance placed on my property. I then saw my insurance payment on my escrow statement adjust upwards to the amount of my new premium.When I called DMI to ask about this, I was told to IGNORE the notice, as my new insurance had NOW been property recognized, so the lender-placed hazard insurance would be removed, and I would not make any payments towards it. I ignored the notices as instructed. 

In XXXX / XX/XX/XXXX, I became aware that DMI was nonetheless charging me for supplemental hazard insurance at an annual cost of {$5800.00}, and adjusting my escrow payments accordingly. I called on XX/XX/XXXX, and once AGAIN sent in my new policy. I was AGAIN assured that my new homeowner 's policy was comprehensive, that the hazard insurance would be taken off, and that no payments reflective of the hazard insurance had been made or would be made. 

A few days later I received a notice of cancellation for the hazard insurance as expected ( attached ). I hoped that would be the end of it. 

However, on my most recent escrow statement, dated XX/XX/XXXX and received by me on XX/XX/XXXX, I see that NEW hazard insurance has been placed, this time at an annual cost of $ {$2400.00}. See most recent escrow statement, attached. 

This means that, not only were the assurances of getting this redundant insurance issue fixed not kept, DMI placed NEW hazard insurance on my property AFTER the XX/XX/XXXX cancellation of the prior lender-placed insurance, without federally required notice to me. 

The amount of the new lender-placed insurance appears to be drawn from an outdated personal homeowner 's insurance policy, indicating that this may be a clerical mix up. The fact remains that my escrow statement shows a charge for lender-placed insurance I was not informed of, and my auto-draft payments will now be including monies for this purpose. 

I have once again attempted to resolve with DMI. They once again have AGREED that my own homeowner 's insurance policy is sufficient for their requirements and I DO NOT require any additional insurance. However, I am still waiting for them to have all lender-placed insurance charges removed from my escrow, have a new escrow statement calculated, and have this matter resolved as it should have been when I provided my new policy in XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-10 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc.
State: MO

Complaint narrative:
I have a XXXX XXXX  bill from when I used to work there and I would like it to be removed bc of the circumstances with the company my social security number : XXXX XXXX XXXX  {$820.00}

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
Consumer complaint received 2020-04-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: TD BANK US HOLDING COMPANY
State: PA

Complaint narrative:
I signed up for this card and rarely used it. I had lost my primary and used this card. I never received a statement. I believe I spent ~XXXX. Now my balance is {$130.00} and has been reported to the credit bureau as late. I never received a statement. I never received a phone call. Then today, I receive a letter saying they've reported me to the credit bureau.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-04-10 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
Was issued a unemployment insurance agency debit card issued by Bank of America. On XX/XX/2020 there was a {$720.00} dollar amount on the card. Told by my financial institution XXXX XXXX XXXX XXXX to withdraw whole amount .The atm would not dispense that amount so I chose {$500.00} and a {$3.00} fee was taken for the transaction, thus having to take another transaction to get the {$200.00} another {$3.00} was taken.Leaving a balance of {$16.00} on the debit card, which my figure is {$720.00} minus {$700.00} is {$24.00} minus the {$6.00} in fees should be {$18.00} not $ XXXX.I complained at the credit union who blamed Bank Of America about the restricted amount per transaction and for the fees. Why is Bank of America charging for set amounts of withdrawal? Therefore making twice the amount when the value is over $ 500.Now I have to pay fees to get my government issued money. There was no mention of fees related to withdrawal amounts or withdrawals on any of the literature that came with the debit card. My credit union was unaware of this fact as they instructed me to withdraw the whole amount.I did not choose a debit card for payment but was issued it as the site crashed as I was applying and this is how it was set up. At this time Unemployment and Bank of America are so overwhelmed with others I can not seem to reach them and have been on hold for longer than an hour and gave up. Please advise

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 2020-04-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MN

Complaint narrative:
Awhile ago my identity has been compromised and there's still accounts reporting on my credit file inwhich does not belong to me. Both open & closed accounts even some authorized user accounts inwhich i have no knowledge of and wish to be removed immediately. Please remove and block the following unknown accounts inwhich I hold absolute any responsibility for. 

1 ) XXXX XXXX 2 ) XXXX XXXXl Closed Accounts 3 ) XXXX XXXX XXXX XXXX XXXX, credit limit XXXX 4 ) XXXX XXXX XXXX XXXX XXXX, credit limit XXXX  5 ) XXXX/ XXXX XXXX XXXX 6 ) 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
Consumer complaint received 2020-04-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
My report reflects fraudulent inquiries inwhich i did not make and I'm demanding that these unauthorized inquiries be removed immediately. 

1 ) XXXX XXXX ( XX/XX/XXXX ) 2 ) XXXX  ( XX/XX/XXXX ) 3 ) XXXX  ( XX/XX/XXXX ) 4 ) XXXX XXXX XXXX ( XX/XX/XXXX ) 5 ) XXXX ( XX/XX/XXXX ) 6 ) XXXX XXXX XXXX ( XX/XX/XXXX ) 7, ) XXXX XXXX XXXX, ( XX/XX/XXXX ) 8 ) XXXX XXXX ( XX/XX/XXXX ) 9 ) XXXX XXXX XXXX (XX/XX/XXXX ) 10 ) XXXX XXXX ( XX/XX/XXXX ) 11 ) XXXX XXXX ( XX/XX/XXXX ) 12 ) XXXX XXXX  ( XX/XX/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
Consumer complaint received 2020-04-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: CORELOGIC INC
State: OH

Complaint narrative:
I am going through a business process for my a new job. I had my credit report pulled and I found all types of errors and bad information on my report the following addresses are not mine please delete/remove : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX CT, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX I would like the following numbers removed they do not belong to me : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( 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 explanation
Consumer complaint received 2020-04-10 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:
I'm writing, because i don't recognize this account. I had a problem before, somebody used my information and applied for credit cards. I never had any contracts with this company, i'm not responsible for this 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 explanation
Consumer complaint received 2020-04-10 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:
I'm writing, because i don't recognize this account. I had a problem before, somebody used my information and applied for credit cards. I never had any contracts with this company, i'm not responsible for this debt

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
The credit bureaus are reporting inaccurate information on my credit reports. I disputed the accounts and still haven't gotten a response

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 2020-04-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
The credit bureaus are reporting inaccurate information on my credit reports. I disputed the accounts and still haven't gotten a response

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-10 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
Hello, this happened XX/XX/2020 for {$100.00}. 
This was a transaction through pay pal. 

I was making a transaction with this guy over discord. This was about BTC which he seemed promising, to where he even provided vouchers saying that hes a valued seller. As time went by he started getting less patient with the time we had to wait for the transaction to happen. This started to seem sketch but the gullible person Iam I just went along with it. Next thing I know as soon as the money gets into his account he blocks me ... I then took this up with pay pal. Pay pal tells me that they cant help me in any way due to the fact it was sent over as family and friends. ( This guy that was selling me BTC said how it doesnt matter if I put family and friends, itll go through faster. ) I have proof that this guy just took my money and ran off and I believe with that information pay pal should most definitely help in some way with that information. The conversation was lengthy as he tried to keep me occupied but if more photos are needed I will gladly provide them!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-10 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: HYUNDAI CAPITAL AMERICA
State: IL

Complaint narrative:
hyundai blames me for the dealer paying off my car 3 weeks late I traded the XXXX XXXX in two days after the payment was due. The dealer paid off the XXXX XXXX three weeks later I didnt even have ownership of that suv. The dealer gave an excuse of that there was a glitch in the processing of the loan.

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 2020-04-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
My report reflects fraudulent inquiries inwhich i did not make and I'm demanding that these unauthorized inquiries be removed immediately. 

1 ) XXXX XXXX ( XX/XX/XXXX ) 2 ) XXXX  ( XX/XX/XXXX ) 3 ) XXXX  ( XX/XX/XXXX ) 4 ) XXXX XXXX XXXX ( XX/XX/XXXX ) 5 ) XXXX  ( XX/XX/XXXX ) 6 ) XXXX XXXX XXXX ( XX/XX/XXXX ) 7, ) XXXX XXXX XXXX, ( XX/XX/XXXX ) 8 ) XXXX XXXX ( XX/XX/XXXX ) 9 ) XXXX XXXX XXXX ( XX/XX/XXXX ) 10 ) XXXX XXXX (XX/XX/XXXX ) 11 ) XXXX XXXX ( XX/XX/XXXX ) 12 ) XXXX XXXX ( XX/XX/XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: MN

Complaint narrative:
My report reflects fraudulent inquiries inwhich i did not make and I'm demanding that these unauthorized inquiries be removed immediately. 

1 ) XXXX XXXX (XX/XX/XXXX ) 2 ) XXXX  ( XX/XX/XXXX ) 3 ) XXXX  ( XX/XX/XXXX ) 4 ) XXXX XXXX XXXX ( XX/XX/XXXX ) 5 ) XXXX  ( XX/XX/XXXX ) 6 ) XXXX XXXX XXXX ( XX/XX/XXXX ) 7, ) XXXX XXXX XXXX, ( XX/XX/XXXX ) 8 ) XXXX XXXX ( XX/XX/XXXX ) 9 ) XXXX XXXX XXXX ( XX/XX/XXXX ) 10 ) XXXX XXXX ( XX/XX/XXXX ) 11 ) XXXX XXXX ( XX/XX/XXXX ) 12 ) XXXX XXXX ( XX/XX/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 2020-04-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Flagstar Bank, N.A.
State: CA

Complaint narrative:
I called flagstaff to get a suspension of my mortgage because of Covid 19, let them know I was recording the call and they hung up on me.

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 2020-04-10 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: WAKEFIELD & ASSOCIATES, INC.
State: TX

Complaint narrative:
Wakefield and Associates to which is the debt collection company in this matter was paid in full on XX/XX/XXXX for a medical debt of {$100.00}. This item was reported on all three of my credit reports as a collection by a Collection Agency/Attorney. The original debt belonged to XXXX XXXX XXXX XXXX XXXX and was told it would be updated for removal and it would take up to 30 days to post. As of XXXX of XXXX, it was removed from 2 of the major bureau but continues on one of the major reporting companies. When I contacted the collection company on XX/XX/XXXX, the Agent on the other line was aggressively rude stating they will not update the XXXX balance item for removal as stated before. They do not do reporting of updated information as the original owner requested. I informed her the original owner of the debt stated they were to do so being I paid the item in full to which was asked of me. She then preceded to state this is not what they do and they will not update the information again. I then asked for a copy of the letter to which they claimed to have sent to me and was told they would not resend the letter. The item is still reflecting in their system but paid. The customer service professional was very unprofessional although I understand with the pandemic going on people are frantic. Yet, there was no need for her unprofessionalism.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-10 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Uplift, Inc
State: TX

Complaint narrative:
This was to cover the cost of a cruise which was canceled by the XXXX XXXX. They are continuing to charge me monthly fees plus 31.62 % APR despite the fact that my family has received nothing of any value. The refuse to stop automatically debiting my checking account despite the fact that we were not allowed to take the cruise and despite the fact that there is no money left in the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc.
State: CA

Complaint narrative:
Company - BSI Financial Services Loan Number - XXXX On their website, I am unable to make payment using my name, SSN or Loan Number No one is picking their Toll Free numbers XXXX XXXX They keep adding late fees which is incorrect as there is no option to make a payment. 

Now they want to foreclose Please help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: WA

Complaint narrative:
This is the fourth complaint against this Loancare/XXXX. MY LOAN IS PAID IN FULL ON TIME so we wont be using that as an excuse to not investigate this company. Once again I have called them multiple times and got transferred multiple times and sent email and sent documents. I paid all of my taxes this year. This means I went online and paid in full the entire balance for 2020. I then submitted a recite and called and spoke to XXXX the last person I was transferred too at Loancare/XXXX. He said they would look into it which is of course just another blow off. My monthly mortgage has not been the {$780.00} in months they first said it was because of an additional charges from my homeowners insurance putting it at over {$900.00}, with the last payment being in XXXX ; which still is not reflected on my mortgage payment this month XX/XX/2020 I still had to pay over {$900.00}. When they were told I already paid my taxes they still continued to collect them on top of insurance when it was not needed again sending a duplicate payment to XXXX County for {$600.00}. I have asked to have this money returned to my account and have not gotten any response. My next month still has not been updated to be even at least the {$780.00}. They continue to double collect for both my insurance and for taxes both have been paid. If you dont pay you get a 60 day late notice on your credit report barring you from ever escaping this company. I am truly disgusted that this has continued to happen. This company has done this to me and others with not only their poor customer service, lack of any employee accountability, and incompetence in handling any matter. This is my last step. I am submitting this complaint to the Consumer Finance Board, XXXX XXXX XXXX, the Finance Commission, and the Attorney General again. While I wait for again nothing to happen I will be submitting this to our State Senate then if I have to the Media. As of today XX/XX/2020 there are hundreds of others that are in the same situation with their mortgage being mishandled by this company. Please address the first my attached pieces for proof, I also encourage you to look at the reviews submitted by others many that are current to today.

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 2020-04-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: TN

Complaint narrative:
On XX/XX/2020, Nissan Motor Acceptance Corporation posted a payment of {$19000.00} to my account. I attempted to reach NMAC several times via phone and live chat, but was unsuccessful. I assumed that the payment was made by a family member or a philanthropist attempting to assuage some of the stress related to the pandemic. On XX/XX/2020, I logged into the NMAC website and saw that my account was closed. I received a letter certifying that my contract was fulfilled, and my lien was released. On XX/XX/XXXX, I logged into the website again to find that my account was reopened and past due. I have still had no success reaching a representative.

Company response to consumer: Closed with explanation