vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-05-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc.
State: FL

Complaint narrative:
My mortgage was transferred from  XXXX   XXXX   XXXX . to  Dovenmuehle Mor tgage  XXXX   Inc.  on   XXXX   XXXX   XXXX  . My homeowners insurance compan y (   XXXX   XXXX   XXXX    ) has been invoicing them to pay my insurance renewal premium, whic h they failed to do for 4 months, and my insurance was cancelled effective  XX/XX/XXXX . I had to find alternate homeowners insurance because  XXXX   XXXX   XXXX  would not issue me another policy because I had gone without coverage for over 45 days. I was finally able to find another insur ance carrier, and  they have also issued invoices to  Dovenmuehle si nce   XXXX   and to date  Dovenmuehle has not pa id for the new insurance either. I am now going on mont h 5 with no  homeowners insurance, despite an over-abundance of funds in my escrow account. In addition, they are sending letters warning us that they will take out their own insurance on our property, all while refusing to pay the invoices they have been receiving since  XXXX . I need assistance immediately!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SUNTRUST BANKS, INC.
State: CT

Complaint narrative:
1. In  XXXX  we received notification of an escrow shortage and specifing a new payment amount of {$1700.00}  (  from the previous {$1600.00}  ).  We requested a second statement of mortgage payments and the anticipated shortage but have not received it as of  XXXX / XXXX /  XXXX  .    2.  In  XXXX  we received a mortgage statement for a payment of  XXXX  without any explanation. On  XXXX / XXXX /  XXXX   I called t he Suntrust Mort gage and the agent said that on  XXXX  there was an adjustment and the payment should be  XXXX .   It makes no sense that the payment should change so radically in a  one m onth period, especially since it was already adjusted in  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 2017-05-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Bank of America Home loans.  Tried to refinance debt on my own several times, currently awaiting an answer from a loan modification ; however note is under my ex husband name and I am willing to assume the debt.   I was served a summons from the court  on   XXXX   XXXX   XXXX  .  for {$220000.00}. Original note dated   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 2017-05-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: DISCOVER BANK
State: WA

Complaint narrative:
Discover  Credit Card From  XXXX  until now, currently  XXXX   XXXX , I 've been being charged for a " payment protection plan '' monthly that I did not sign up for. I 've used auto pay since I can remember and never noticed the charges until now.   Why would anyone pay ove r 50 $  a month just incase they miss a minimum payment? This is not a service that I would knowingly sign up for.     I called the company and they said they would reimburse 6 months of fees and admitted this has been an issue with a lot of customers. I 've never once used the service or ever wanted a service like this. I 've paid o ver 2,000 $ t hat I know of, to this service that I have never used and never wanted over the years. They have had me enrolled in this service unbeknown to me since  XXXX .     Through research online I know a lot of people have had this happen and their have been lawsuits over this issue. I 've read that more money has been reimbursed than 6 months of fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Nelson and Kennard, LLP
State: CA

Complaint narrative:
I was sent a letter by an attorney  XXXX   XXXX  wi th Nelson & Kennard   XXXX .  XXXX   XXXX ,  XXXX  CA  XXXX . They stated that I owed  XXXX  to  XXXX   XXXX    XXXX     XXXX .  XXXX   XXXX .  XXXX , VA  XXXX , and they were going to obtain judgement against me for that. This letter was dated  XXXX   XXXX ,  2017 , I had 30 days to write them back and dispute the debt. I did so, and asked to see the application for the debt, and to know where the moneys were sent to. Because I never signed such an applicaton nor have I ever recieved any moneys from them.   They wrote me back a letter with reciepts attached from  XXXX   XXXX   XXXX . Not what I requested? Nor was it any help to me.   I am going to reply to both  XXXX   XXXX  and  Nelson & Kennard, b ut have not yet done so as I am requesting help from you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-16 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
I am filing a complaint agains t LVNV Funding, LLC, for unfa ir/unlawful debt collection practices. This company purchases charged off accounts from creditors then misrepresents themselves in court as  the Judgment Creditor. Apparent ly, they filed a judgment against me in absentia and are now trying to garnish my wages. I work for an employment agency as a long-term temporary employee and barely make enough to live on, so I ca n't afford a garnishment. Although, that is a moot point as this is n't a valid debt to begin with. According to the paperwork I only just received on Friday,  XXXX   XXXX , there was a Judgment filed on  XXXX   XXXX ,  2008 . I was never privy to any information about said court date ; I never had a Summons served, I received neither phone calls nor letters from them - not an absolute thing. I have not been told who the original creditor is, so I have no proof that this debt ever belonged to me, and, finally, all of my old charged off accounts have fallen off my credit report this year.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-16 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: MD

Complaint narrative:
On  XXXX   XXXX ,  2017  I pulled my Credit Report I noticed on my Transunion report that I had a new hard inquiry that was submitted by  XXXX   XXXX  for something called  XXXX   XXXX   XXXX . I am in the hombuying process so I knew for a fact that I did not apply for any new credit. I called  XXXX  and was informed they would send me somehting in the mail that I never received I called them again today and was told that this error showed up on a few people reports and it had nothing to do with  XXXX  it was a Transunion error. If transunion know it 's not correct information why did'nt they correct it. My issue is that I close on the  XXXX  and now my mortgage company is asking me about a new credit inquiry that I dont have an answer for. I need them to correct this ASAP before I possibly lose my house and not have a place to stay because I did not renew my lease and this error was at no fault of my own.

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 2017-05-16 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: Prosper Marketplace, Inc.
State: FL

Complaint narrative:
I should have been advised that because an additional payment was made during  XXXX  the  XXXX  payment would not be deducted, despite interest accruing and that it will negatively impact my credit report, regardless of being ahead by almost 20 % on payments.     As a result my credit scores have each suffered by approx.  XXXX  points. This will impact me on multiple levels for years.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Platinum Credit Card wit h Capital One,  last  XXXX  numbers are  XXXX . Card was closed by me  XXXX   XXXX ,    2016  - one year to the date of opening the account. I have paid monthly since  XXXX   XXXX , as I did since the first payment due.     Credit Card credit line was for {$2500.00}. In paying on the accou nt for one year, the account shows a balance of {$2200.00} even though I have paid either the balance due of {$72.00} or $  XXXX  monthly. When I make the payment ( s )  on the  XXXX  or  XXXX  of the month, wit hin 2 w eeks I receive an email that the current balance is HIGHER than what I paid.     The interest rate is a variable ra te. Capital One refuses to lower the interest rate. Their Customer Service Representatives put it back on  me the Customer to pay more and/or before amount due OR .... no other alternative.      UNFAIR Business  Practices that are set up for failure for the Customer.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: TD BANK US HOLDING COMPANY
State: PA

Complaint narrative:
I signed up for  a TD Bank acco unt for their {$300.00} deposit bonus. I completed the required steps to receive the bonus, and then after the deadline for the requirements they decided to tell me that I did meet them, even though the transactions in the account clearly showed that I did. I could have had this money invested earning interest but instead these crooks got to earn free interest on my money then deny me the bonus that was promised.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-16 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: WA

Complaint narrative:
loan  XXXX  I have attempted to get a loan mod with Ocwen so many times.   Have spoken with them numerous times There 's been no sign of a foreclosure Last week I was told that there was a sale date and I did n't no anything about it It was set for  XXXX  Supposedly its on hold now but not trusted so Could easily lose my investment with Ocwen and my home Would be horrible since I am recovering from a car accident and receiving  XXXX  There is a problem with the promissory note on my loan ; it has strange verbage that Ocwen will not acknowledge

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-16 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: FL

Complaint narrative:
I should have been advised that because an additional payment was made during  XXXX  the  XXXX  payment would not be deducted, despite interest accruing and that it will negatively impact my credit report, regardless of being ahead by almost 20 % on payments.     As a result my credit scores have each suffered by approx.  XXXX  points. This will impact me on multiple levels for years.

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 2017-05-16 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: FL

Complaint narrative:
I should have been advised that because an additional payment was made during  XXXX  the  XXXX  payment would not be deducted, despite interest accruing and that it will negatively impact my credit report, regardless of being ahead by almost 20 % on payments.     As a result my credit scores have each suffered by approx.  XXXX  points. This will impact me on multiple levels for years.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-16 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: FL

Complaint narrative:
I should have been advised that because an additional payment was made during  XXXX  the  XXXX  payment would not be deducted, despite interest accruing and that it will negatively impact my credit report, regardless of being ahead by almost 20 % on payments.     As a result my credit scores have each suffered by approx.  XXXX  points. This will impact me on multiple levels for years.

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 2017-05-16 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: MA

Complaint narrative:
I disputed an inaccurate amoun t ( {$2000.00} )  being reported  by Fair Collection and Outsourcing. I t came back as verified however, I nor the credit reporting bureau did not receive any type of documentation proving said account/amount is valid. I was told by  XXXX  at  XXXX  that all the company has to do is say the account is accurate and it gets reported. That 's just like saying  XXXX  owes me {$500.00} just because I said so.

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 2017-05-16 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: OH

Complaint narrative:
I consigned for a loan, had a missed payment, and was never notified about it before it was reported late on my credit report. The payment was not made late. I got no phone call about it or any opportunity to make the payment. The account owner is also going to file a complaint today.  XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-16 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Comerica
State: WA

Complaint narrative:
My name is  XXXX   XXXX , I am  a Ssi r ecipient who receives my funds on a direct express card. After some unauthorized charges ( approx {$280.00} worth by the same merchant ) appeared on my account before   XX/XX/XXXX   ( the date I started the charge back process with direct express ). I was finally given a provisional credit for that same amount ( approx   XX/XX/XXXX    ) nearly two months after I started the charge back process. I  was given this provisional credit only to have it taken awa y (  in less than 30 days ) without notice or authorization by direct express. Which is essentially the same action as the original offending company did  ( c ommitted unauthorized charge without notice ). It 's been over 90 days  (  charge back started   XX/XX/XXXX ,  today is   XX/XX/XXXX   ) since I started this charge back and I 'm left without resolution. I 've spent over days worth of hours on the phone to direct express over the past  three  months, and have gotten nowhere. Today 's third call has gained me the knowledge ( from a supervisor ) that my claim was approved and closed out yesterday and I would get a letter stating this and when to expect my money. When asked why I do n't have my money back today after this terribly long hardship the supervisor stated " maybe they are waiting for you to receive the letter before they deposit your funds ''. I 've probably spoken to every supervisor that works for direct express and none of them ever quite seem know what 's going on during my many calls, and even if they did are left at the mercy of their supposed and mysterious charge back department. Of whom has no telephone number to call, and only method of contact is the submitting of a support ticket by the very person who does n't know what 's going on. You are left at the mercy and hope that this support ticket is properly expressed and worded correctly so that the se two parties ca n communicate and your problem will be solved. Which is never the case because the supervisors often leave out pertinent info, and the messages are poorly expressed causing a communication breakdown as the recipient charge back department picks the note off the back burner and comes to a resolution requiring the least amount of effort right or wrong. I 've just given up during past issues regarding fees in the past because of this losing money in the process.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-05-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
O n  X/XX/2017    I made  a deposit in the amount of {$5000.00} to my  Chase c hecking account by filling in a deposit slip. The teller handed me a receipt and I left the Bank. Today,     X/XX/2017    I notice d the fund was not in my account.   I visited the Chase Bank and after talking to a teller and her supervisor, I was told the teller had inputted the wrong account number for the deposit. Also I was told that normally it takes a week to correct the mistake, but they will try to correct it in 2 days,  ( it sounded lik e they are doing me a favor ). Fortunately, at this time, I can wait 2 days for the funds to be available. The mistake should not have happened and Chase Bank should have corrected the problem right away. Chase Bank should be held responsible for its mistake.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-05-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I was sent a letter by an attorney  XXXX   XXXX  with  XXXX   XXXX   XXXX   XXXX .  XXXX   XXXX ,  XXXX  CA  XXXX . They stated that I owed  XXXX  to  Capitol One  Bank  XXXX .  XXXX   XXXX .  XXXX , VA  XXXX , and they were going to obtain judgement against me for that. This letter was dated  XXXX   XXXX ,  2017 , I had 30 days to write them back and dispute the debt. I did so, and asked to see the application for the debt, and to know where the moneys were sent to. Because I never signed such an applicaton nor have I ever recieved any moneys from them.   They wrote me back a letter with reciepts attached f rom Capitol One Ba nk. Not what I requested? Nor was it any help to me.   I am going to reply to both  Capitol One a nd  XXXX   XXXX   XXXX , but have not yet done so as I am requesting help from you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: VA

Complaint narrative:
Something calling itself Comenity Bank calls at least half a dozen times a day. We believe that this relates to my wife accepting a  XXXX  credit card sometime back. She paid her balance and cancelled that card. Now this Comenity Bank is alleging that other vendors ' cards have been used to charge purchases ; however, neither my wife nor I have accepted specific vendors ' cards. We hold generic  Visa, Master Card, and American Express c ards.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: MD

Complaint narrative:
I have been trying to get either a loan modification or an alternative for foreclosure since I got behind on my mortgage payments. However,  Ocwen Loan Servicing, LLC ( hereinafter " Ocwen '' ), my lender has not made the efforts to he lp me. I have submitted a complete loss mitigation package by  XXXX   XXXX ,  XXXX , at le ast 8 busines s days before the schedule sale. But,  Ocwen  asked for more documents that they already had in their possession around  XXXX   XXXX ,  XXXX . On  XXXX   XXXX ,  XXXX , I received an email telling me that it is impossible to stop the sale date because there is not enough time for a review. My husband and I have settled the second loan. Please see related information regarding this second loan settlement. We can work on a short sale or a deed in lieu of foreclosure now that the title is clear. However, we need our lender to allow more time to explore these options.

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 2017-05-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: CA

Complaint narrative:
On   XX/XX/XXXX  , I send a large principal payment via check to my mortgage service company. I have sent many principal payment checks previously, the checks have been cashed and the account has been credited. This payment would lower my principle balance to less than {$1000.00}. However, the mortgage service company has refused to cash the check, and instead tells me they are send the check back to me because they consider this a loan payoff, and they will only accept a wire, or cashier 's check. My loan has no prepayment penalty. They have left me with in excess of  $ 10 0K  in  a checking account earning no interest for weeks now. But they are charging me interest on this large sum because they refused to accept my payment in direct violation of my loan.   I did not want to go through the time and expense of sending a wire or obtaining a cashier 's check.   The service company is  PennyMac.    I find this to be unethical, and illegal. I am being penalized for prepaying my loan by the loan service company.   How do I recoup my losses, and what should I do?

Company response to consumer: Closed with explanation