vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: NE

Complaint narrative:
From the moment Specialized Loan Servicing assumed my loan, the companies only intention was to foreclose on a distressed property of a single, XXXX woman. 

Although, the company professes to support XXXX homeownership online, it is purely virtue signaling, as this company has had no other intention than to foreclose on my property, which is a short 7 minute drive to XXXX XXXX family home. 

Lik

e vultures in for a kill, they have done all they can to consume my time and energy while running up delinquent payments and forcing me into a unfavorable home loan modification. The enclosed index of statements documents from SLS website demonstrates that although I had applied for a mortgage modification prior to SLS assum
ing my loan from XXXX  XXXX XXXX and XXXX in XXXX, XXXX ; it was literally several months if not more than a year before Specialized Loan Service acted on my RMA. 

I have enclosed an RMA from XX/XX/XXXX. A full two years after I filed my original RMA. 

Additionally, you can see from the index that my account was in a constant state of reassignment of customer representatives. This created a constant renewal of the story with each agent, as if I had never contacted the company. Agents do not seem to keep track or document customer events, as well, there is a different agent each time one needs to speak to the company. 

Customer service agents also do very little to explain, clarify or assist homeowners in home affordability.

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 2021-04-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: M&T BANK CORPORATION
State: NJ

Complaint narrative:
the mortgage was taken over from another company who allowed us to make advanced and partial payments, M & T has allowed, it, but then they have been holding the funds and not applying them when they are received. therefore not giving us the interest reducing benefits of paying ahead of time. this misapplied payment procedure has cost us thousands in interest. that should be removed from the mortgage, as they hold our funds for weeks ( every month ) and then apply it. this has been going on for years since they took over the mortgage. we did not notice it at first, but then we asked them to apply the funds properly and to go back and fix what they had done and they refuse to, and they actual show the funds as unapplied on the statements. the attached examples reflect them holding funds and it it the same on every statement in between, month after month, year after year.

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 2021-04-23 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: HI

Complaint narrative:
I'M HAVING ISSUES GETTING MY DISPUTE PROCESSED

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: ME

Complaint narrative:
My complaint is with XXXX  and fedloan servicing. I was told that I had to make monthly payments of about XXXX dollars a month and when I couldn't pay they continually told me to go into forbearance. I asked about public service loan forgiveness- I work in healthcare. No one attempted to help me. This was XXXX On my own I did get started on the public service loan forgiveness. Flash forward to now. XXXX They have a bunch of payments that are said not to count I think 17. This is because they pushed forbearance. When actually they could have told me to just pay the payment late and it would count. So, they keep pushing my forgiveness date back.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-23 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: HI

Complaint narrative:
I'M HAVING ISSUES GETTING MY DISPUTE PROCESSED

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 2021-04-23 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc.
State: FL

Complaint narrative:
I purchased my home in XXXX of 2019. For about a year the servicing on the loan was good. I find that I am a victim of preditory lending practices and fraud. I am paying high interest dispite having a relatively low interest rate of 3.75. My account is not being serviced properly ; in that, escrow funds are unaccounted for. Payments are being noted that werent paid, duplicate or false, i.e. home owners insurance, taxes paid before tax year due. My loan was underwritten so badly and fradulently or theft has occurred that it has caused a negative escrow. As you will see in my excel spread sheets more than enough escrow was available if the account were managed properly. I have no faith in them to manage/service my loan account honestly or correctly. I supposedly have a fixed rate yet my principle increases every month.I have received numerous intimidating and threatening calls that state my credit will be effected. I have made payments every month and yet they have increased my monthly payments to almost {$520.00} - which was never in my mind as within my budget. When a person buys a home they purchase it with a budget in mind- to make up for their deficient underwriting of the loan. My initial escrow deposit is all but missing. There is no truth in lending here. To date I am still making payments and do not know where they are being applied. Whats most insulting they attempted to refinance the loan where Id owe more but the underwriting was in the same manner, of course I declined.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: HYUNDAI CAPITAL AMERICA
State: CA

Complaint narrative:
I purchases a vehicle on XX/XX/XXXX with hyundai motors finance. I canceled a vehicle service contract XXXX extra warranty ) on XX/XX/XXXX. The dealership sent a check to this company on XX/XX/XXXX and the check was cashed by hyundai motors on XX/XX/XXXX. The check was made out to them with my name and last 8 digits of my Vin number. Hyundai motors finance applied the check to someone else 's account, how this happened who knows. I've been calling this company regarding this refund since XXXX and they kept telling me that they hadn't received the payment yet. I called the dealership XXXX XXXX XXXX XXXX to find out when the check was sent and when it was cashed. On XX/XX/XXXX they finally found the payment went to some other persons account so after sending 2 months of emails to their payment processing team the payment was found and then took them 4 more weeks to reverse the payment and apply it to my account. The account was paid off in XX/XX/XXXX and I have still not to receive my refund from this company. They still have my check pending and no one has taken the time to even have the payment sent out to me given that it has been 90 days already since this whole situation occurred.

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 2021-04-23 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: ALLY FINANCIAL INC.
State: TN

Complaint narrative:
I have contacted XXXX and the Creditor XXXX Ally Financial XXXX involved in this matter several times trying to resolve this issue. Notifying them that they were not in compliance with their incorrect report per FCRA and that the account is fraudulent and that I'm a victim of identity theft. In return to tell me that these fraudulent account was verified and/or belonged to me or no response at all. Neither of these companies have provide me with any proof such as any original documents bearing my original signature

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 2021-04-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Purchased a Fridge and immediately tried to return the product and cancel the order before getting it. XXXX XXXX denied it and filed a claim with bank of america. Whom refused the claim aswell. This is NOT a product I ever wanted and I have tried to work with both of these companies who refuse to provide me with any service or work with me in anyway.

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 2021-04-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-23 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:
CHARGES TO MY ACCOUNT HAVE OVER 30 90 MINUTE CAPTIONING TRANSCRIPTS OF TELEPHONIC COMMUNICATIONS WITH XXXX  XXXX XXXX I ( HEREIN AFTER AS " BOA '' IN REPORTING FALSE NARRATIVE INVOLVING TWO ( 2 ) ENTITIES # 1 ENTITY : INTEGRITY XXXX XXXX XXXX REPAIR ( AKA XXXX AUTO REPAIR ) DUE TO THE FAILURE OF " BOA '' THIS REPAIR SHOP CRIMINALLY SCAM ME OUT OF THOUSANDS IN " CLAIMED '' AUTO REPAIR -MUCH OF THAT WAS NEVER DONE BOTTOM LINE " BOA '' DID NOT WITH THERE 14 CASE NUMBER ( FILES ) MR. XXXX ULTIMATELY AFTER 3.3 YEARS OF LITIGATION HAS AN 8.2 JUDGMENT AGAINST SAID ENTITY.

ALL CHARGES TO THE ACCOUNT SHOULD BE DELETED TO INCLUDE INTEREST.

ENTITY TWO : XXXX XXXX ( CAR ) CAR WAS IN AN ACCIDENT WHILE WAITING FOR THEIR LOT TO OPEN -LESS THEN A BLOCK FROM THEIR LOCATION AND COULD HAVE BEEN IMMEDIATELY CLAIMED BUT DOLLAR THOUGH ADVISED DAILY TOOK 3 DAYS TO RECOVER CAR. DOLLAR HAD IMMEDIATE ACCESS LITIGATION WAS FILED & THEY FILED BANRUPTCY THAT DERAILED TRIAL. 
" BOA ' ALLOWED DOLLAR TO CHARGE {$350.00} TO CREDIT CARD FOR 1 DAY RENTAL. THERE IS NO ENTITLEMENT FOR 3 DAYS

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 2021-04-23 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: NC

Complaint narrative:
problem is with XXXX and transunion they keep reporting 2 of my account as derogatory And delinquent when both account should be reported as paid charge off. I was denied credit because of there neglecting of transunion and XXXX. I what it repair ore remove from 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 2021-04-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
Due to COVID 19 pandemic, we suffered financial hardship. Our business was shut down, and we lost substantial amount of income. We were granted forbearance by our lender, Shellpoint Mortgage. Our forbearance ended in XX/XX/2021. We were still having financial difficulties, so we asked our lender for loan a modification. They offered to modify our loan but there was no reduction in the monthly payment. How can it be modification when nothing was modified? In addition, there was no guarantee that our monthly mortgage payment will be reduced despite of financial harship. So, we rejected the modification and opted for post COVID deferred payment but it seems like Shellpoint is not willing to help us out to keep our home and prevent foreclosure. They have not seriously offered us reasonable options to retain our home. At this point, we can not afford to pay our missed payments in the amount of $ XXXX in order to update our account. The only options we can think of are modification or Deferred Payment that our lender refused to offer.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-23 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: TX

Complaint narrative:
Hey hope all is well. I was looking through my credit report and noticed some inquiries that were never AUTHORIZED. I never gave these companies my personal information OR the authority to obtain my personal information on their own they are in violation of FCRA 15 U.S.C Section 1681. How did they get this information? I have tried contacting the credit bureaus and noone was able to help me I was just being past around to department. Please investigate these bureaus and have them delete these fraud accounts off my report. Attached is my ID and my Report I filed for identity theft because these accounts was not me. Have them remove these thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-23 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA

Complaint narrative:
I went to buy a car in XXXX XXXX in XXXX XXXX XXXX XXXX XXXX CA XXXX and the guy named XXXX XXXX and he lied to me when he did the contract he said that lease was better than buying because my payments could be lower and that i could also keep the vehicle anyways but when my lease term was over the finance company named toyota finance are charging me {$6000.00} for returning my car on top of the almost {$35000.00} i paid in 3 years for leasing the car.. I am mad because I have gone through XXXX to speak with XXXX and he is never there he is always avoiding me when i go there and try to talk to him they told me i needed to sign a document of returning the car and that I owe {$6000.00} and if I did not sign it they could impound the car and mess up on my credit report .. I am crying because i am mad on how these people screwed on me ... I need help I am not working i dont have a job and cant even pay rent and now this .... they said they will screwed on my credit report if i dont pay them the {$6000.00} dollars .... I need help please ... ..

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-23 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem using a debit or ATM card
Company: APPLE FINANCIAL HOLDINGS, INC.
State: NY

Complaint narrative:
on XX/XX/XXXX I found that {$3600.00} was taken out of my Apple bank saving account. I called Apple bank claims department where I was told someone activated a debit card using my DOB and S.S. my saving account was access over 10x with the amount of {$400.00} taken out every day from XX/XX/XXXX to XX/XX/XXXX. The bank never alert me and no statements were being sent to me my last statement was on XX/XX/XXXX. I never activated a debit card from apple bank. Apple bank rep was supposed to call me back on XX/XX/XXXX but never did. I than called claims department on XX/XX/XXXX I spoke with one of the supervisor in claims department where u was told after 60 days I can not receive payment, my case was closed and I need to do my own investigation by going to different atm with my police report to get video footage to than maybe I will get my money back. I then went into the branch in my neighborhood so speak with assistant manager who than told me my case was still open and they will be looking into it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-23 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: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I am a victim of identity theft, there are 2 accounts on my credit report that I did not authorize and have no knowledge of.

Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

Enclosed are the following : A copy of my Identity Theft Report A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.

Fair Credit Reporting Act Section 605B I appreciate your prompt attention to this matter, and await your reply.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: KEYCORP
State: ME

Complaint narrative:
According to this company, after performing a consumer credit inquiry upon my social security number, they determined that I was not qualified to grant them the right to extend me credit. However, according to Federal law, specifically 15 USC 1605 ( a ) ( 3 ), Key Bank is not allowed to take cash as a down payment in a consumer credit transaction, also pursuant to 15 USC 1602 only a natural person can originate a consumer credit transaction, and for them to falsely represent themselves as a creditor is patent fraud. According to 15 USC 1681 ( d ) ( 2 ), and 15 USC 6802 ( a ) ( b ) ( 1 ), any transaction or experiences with me by any person making such a report, and myself as a consumer are not to be disclosed, unless I am given the opportunity before such information is disclosed to opt out, and given the knowledge of how to opt out of such disclosures. I was not given this opportunity. By telling me that I could only qualify to be extended credit after paying {$5000.00} upfront, that is a violation of my RIGHTS under the Truth In Lending Act 15 USC 1605. Pursuant 15 USC 1635 ( a ), it is the obligation of Key Bank to notify me of my Right of Rescission under The Truth In Lending Act. I was not notified of my Right of Rescission.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have been sending out letters out since XX/XX/XXXX. The last letter was sent out on XX/XX/XXXX. I have either not had a response or they tell me they have investigated my issue with the company and then states that it meets FCRA regulations. In my letters I state that a company was reporting inaccurate information on my credit report. It reports different account numbers, date last active, date opened, and also reports past due on accounts that it should not. From my understanding if one company is reporting to the bureaus it should have the sent the same information on all three bureaus. The only thing that was changed was a re aged or update on my account and I was ignored. This situation is hurting my credit score.

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 2021-04-23 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: Santander Consumer USA Holdings Inc.
State: CA

Complaint narrative:
Santander is indeed a 3rd party to this transaction. They do not have first hand knowledge of what actually took place or what was said at the dealership, I wan na start this complaint by stating i never received my right to rescind as federal law states i have the right to. 15 USC 1635 " the DELIVERY of the information and rescission forms required under this section together with a statement containing the MATERIAL DISCLOSURES required under this subchapter, I never got told i had a right to rescind let alone material disclosures on how to exercise those rights, a cooling off period is not a RIGHT TO RESCIND. FEDERAL LAW NEVER STATES ANYTHING ON COOLING OFF PERIODS. 
I also received a NOTICE OF INTENTION TO DISPOSE OF MOTOR VEHICLE, that is also a violation of 15 USC 1692d A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 4 ) The advertisement for sale of any debt to coerce payment of the debt.

Company response to consumer: Closed with explanation