vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-02-11 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: CA

Complaint narrative:
Lakeview bought my VA home loan from XXXX. Lakeview then informed me that there was a shortage in my escrow of $ XXXX. So they proceeded to increase my escrow payment from $ XXXX to $ XXXX for a period of 12 months. Their reasons were 1 ) to pay back the shortage to fill a reserve and 2 ) an increase in expected property taxes. I was made aware of neither of these reasons, nor shown proof of the tax increase. For there to be a shortage in escrow reserve of $ XXXX, that would equal much more than a reserve of $ XXXX ( with increased purported taxes ), the limit if exceeded would be in violation of VA loan reserve regulations. And for my escrow payment to jump much more than 200 % would be in violation of TILA-RESPA payment estimation regulations. If there was such a gross oversight in original estimation, then Lakeview as the buyer of the loan should pay for their poor due diligence, not me. I called Lakeview numerous times and finally came to an agreement with a supervisor about payment. But then weeks later, I called and waited to check status, only to find that the agreement had been rejected by a different department of Lakeview. Lakeview has not contacted me since. So now I have engaged an attorney to further deliberate. Lakeview 's actions to me as a customer, and most likely many more, has been ILLEGAL. And Lakeview hides their actions behind terrible customer service and opaque communication.

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 2020-02-11 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: KY

Complaint narrative:
XXXX XXXX on XXXX XXXX XXXX, which was operated by the company XXXX XXXX at the time have wrongfully claimed I owe them money in the amount of {$2200.00} and sent a false debt to collections. This was placed for collections with NATIONAL CREDIT SYSTEMS on XX/XX/2018. I previously lived at this apartment complex and moved out after harassment by management and enduring filthy living conditions ( roaches, bats, etc. ). My balance was paid and proper notice was given before moving out. The complex claims I did not pay them rent and is attempting to charge me for carpet installation. These attempts of extortion are an act of retaliation after I left negative reviews about the apartment complex and its management in online forums.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I recently applied for a credit card backed by XXXX XXXX. I noticed they pulled my Transunion credit as well as XXXX. I thought it was odd but didn't realize how they obtained my XXXX data until XX/XX/2020 when I pulled my free annual Transunion report. At the bottom of the Transunion report there is a section for Third Party Supplemental Information. There is data from 3 companies listed : XXXX, XXXX and XXXX XXXX XXXX XXXX. These 3 companies have nothing to do with credit cards and loans. Further they are not used in computing my XXXX or XXXX credits scores. They have no bearing on my credit information, hence the reason for my complaint today. Please do everything within your power to advocate for myself or anyone else experiencing this problem with Transunion, and get Transunion to stop reporting this data about me or anyone else. I'm sure most people do not even realize Transunion is selling this data about us.

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 2020-02-11 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: MONEY SOURCE, INC., THE
State: KS

Complaint narrative:
This is concerning our escrow account there has been several mistakes with our escrow being that the mortgage company paid to insurance companies that we did not authorize to be paid when we requested that they paid the third we had been notified then that they had overpaid and they had paid to other insurance companies and of course requested us to pay the money back when we did the mayonnaise was not properly executed to the right accounts or the it was not dispersed into the right accounts and there has been several escrows that has been done since then and every time I call them it seems like it gets worse and worse and I we just feel like our backs against the wall that we've been cornered and either we do as the mortgage company says and we pay what they say will be homeless we have paid back every dime that they we have instructed us to pay back and they still today to say we are behindaccording to our end of year mortgage tax statement we have paid him a {$6000.00} in escrow this year as of XXXX of last year to present date and that we only have {$500.00} in our escrow account every time I call and ask to speak with somebody in the escrow department or in the escrow analysis department I am told they did not take phone calls I can not speak with anybody higher than a customer service representative we are just floored we don't know what to do we don't know where to turn or every other month car payment is different than what it was the previous month and we just feel like they are doing our escrow analysis in the presumption that our escrow is going to be over {$5000.00} this year and there needs to be no more than {$2100.00} in our escrow and I believe they are doing the analysis as projecting it to me over {$5000.00} and I can't seem to get anybody to understand that is not correct we just don't know where to turn and don't know what to do and we need help it is an FHA loan we do pay the FHA mortgage insurance it is also a fixed loan it is not a very veritable like I said I have made several attempts and several phone calls to try to fix the situation and every time I do it seems to get worse I had the first payment that we sent back to them was over {$1800.00} when we sent it back they applied {$1300.00} to the principal instead of the escrow when I called to get that corrected then they applied {$700.00} to principal and I believe {$500.00} or {$600.00} to the escrow they have never applied the funds as we have instructed and they have done whatever it is they wanted to do with that regardless of how we instructed them to apply the funds and we are just in an in desperate need of some help

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells Fargo Credit card account closed by company. Remaining balance paid in 4 payments XX/XX/XXXX ( {$420.00} ) XX/XX/XXXX ( {$410.00} ) XX/XX/XXXX ( {$420.00} ) XX/XX/XXXX ( {$410.00} ). 
Account was overpaid, company notified ( XX/XX/XXXX ) and confirmed the overage. Informed me that it would take 45 days to refund the overage. As of today, no refund of the overage but received a letter today ( XX/XX/XXXX ) from their Executive office saying it would be investigated. 

phone numbers contacted : XXXX ( XXXX XXXX XXXX ( XXXX ) gave me another employee name ( XXXX ) as my contact point ... ..he was gone from the office.

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 2020-02-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Duncan Solutions, lnc.
State: CA

Complaint narrative:
I have been dealing with a XXXX agency for over 3 years with lack of their support. 
Professional account management LLC ( P.A.M. ) XXXX XXXX XXXX WI XXXX phone XXXX XXXX XXXX. 
My XXXX tolls based in XXXX XXXX CA assigned this to Professional Account management for uncollected tolls. { professional Account Management has placed an lien for tax interception with the California Tax Franchise tax board. I have supplied documents via a stamped abstract of tolls cleared with XXXX to professional account management. They refuse to inform the California Franchise tax board. I have sent them certified mail, called them numerous times and holding for hours. It seems they intend to intercept my tax refund again as this was verified by the state of California even though there is no debt. They have been unresponsive and seems criminal to collect money fraudulently since they have been notified the debt is settled and they refuse to work with the franchise tax board to  straighten this matter out. please advise what action I can proceed with to stop Professional account management defrauding me and others.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rent Recovery Solutions
State: KS

Complaint narrative:
Rent recovery solutions- Georgia , XXXX  XXXX in XXXX XXXX , LA Rent recovery solutions continue to contact me for a debt that I do not owe. The XXXX owner continued to put fees on my account and charge me for things I wasnt aware of and He never returned my deposit. This is a true slum lord, I have multiple neighbors that had the same issue. XXXX  XXXX  staff members never check the mail until it was in the middle of the month, then they would post a payment to your account and add late fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Prosper Marketplace, Inc.
State: VA

Complaint narrative:
prosper marketplace inc account- unsecured responsibility- individual date opened- XX/XX/2018 status- closed. {$11000.00} written off status updated XX/XX/2018 the credit reporting agency or bureaus place this information into my credit report without verification. where is the original signed document from when i opened my credit card or got the loan. please remove the inaccurate unfair information off my credit report. if you guys dont remove this stuff off my credit report we will be filling a lawsuit against your organization for unfair practices. you have 30 days to do so to VERIFY the information or to DELETE it immediately that is 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 2020-02-12 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: WESTERN UNION COMPANY, THE
State: CT

Complaint narrative:
Money was not available when promised : For the transaction-XXXX  XXXX XXXX Today is XX/XX/XXXX and WU is in dishonor **** For the American abroad need of the desperately urgent and emergency fund-aid requesting wire transfer with the available funding was met with the denying by the Operador Call Center Western Union of the XXXX XXXX corporate office in the city of XXXX  XXXX XXXX XXXX location and the Western Union Corporation headquartering in Colorado USA and the causation of the damage suffering with the starvation and the threat of an unlawful and illegal eviction by the property owner and with the discrimination by the Western Union-XXXX XXXX management of national operations and official agents for the defamation and libel and the gross negligent denial-refusal of the wire transfer fearing for the fraud and impersonation of identity and not providing a remedy any reasonable person could determine as efficient and expedient because the the sender and the receiver is one and the same being a live and natural living person without any funds for food or travel or expenses for the international communication charges incurring against local creation telephone connections to toll free telephone numbers in the U.S. 


Confusing or missing disclosures For the knowledge of the facts on the discrimination-based policies by the local agent Other transaction problem Discrimination and abuse of the UNIFORM COMMERCIAL CODE on transmitting utilities ** For the dishonoring and discrimination injury compensation victimizing and disabling persons in both severe need of urgent emergency funding for the satisfaction of financial and medical-health matters with the life of an individual traveler seeking aid and assistance in a foreign nation and fearing the potential for the eviction and being the subject of humiliation by the refusal of service and breach of trust and unequal and or unavailable protections by the WU corporation **

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Hello, I did not authorized Bank of America to pull my credit on XX/XX/20. I reached out to them about this matter and they refuse to remove this inquiry from my report. It is illegal to pull consumers ' credit report without a written authorization. I need them to remove their inquiry from my report immediately or my next step is to sue them and 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 2020-02-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc.
State: TX

Complaint narrative:
I have my mortgage loan account with Dovenmuehle Mortgage Inc and I have been promptly paying all my installments in time, thru autopay. My home hazard insurance policy was expiring on XXXX XX/XX/XXXX. I intimated to Mortgage company about my intention to change the insurance provider on XXXX XX/XX/XXXX and they acknowledged receipt of the same. I chose my new home insurance provider XXXX and advised mortgage company to make payment $ XXXX/- to them on XXXX XX/XX/XXXX, XXXX  XXXX XX/XX/XXXX. I had followed up with them on XXXX XXXX, XXXX XXXX and on XXXX XX/XX/XXXX for payment. Instead, they chose to pay hazard insurance premium of $ XXXX/- arbitrarily on their own to XXXX XXXX XXXX XXXX who insures properties only in NJ and PA states , where as my property is in TX state . When I lodged complaint with Dovenmuehle Mortgage, they are evasive, unreasonable and non-cooperative. When I insisted, they made another payment to XXXX. When I asked for refund of $ XXXX/- to my escrow account, they asked me to contact XXXX, where as XXXX  was not chosen by me and I really didn't know who XXXX  is. Upon my contact, XXXX team was also confused and advised me that they have not received any check/ payment from Dovenmuehle mortgage company regarding insuring my home property based in XXXX Texas . Further they advised me that they cover only NJ and PA properties and not TX properties. When I pointed all these errors to Dovenmuehle Mortgage Insurance team, they started harassing me that my home is under insured, whereas it is not. Mortgage outstanding is $ XXXX, while home is insured for $ XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-12 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: Medical Data Systems, Inc.
State: VA

Complaint narrative:
i received a letter in my mail from a collection agency that had my medicals records in it and i believe thats against HIPAA law i did not give the creditor authorization to share my medical history or records

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 2020-02-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Dear CFPB, I contacted Equifax concerning in accurate information with a Chapter XXXX Bankruptcy on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX with no changes to my credit file. I sent a request a letter of Verification Method for EQUIFAX and they responded that they got there verified information from a 3rd party, XXXX XXXX. There use of a 3rd party agency instead of the Federal court shows the negligence in reporting verified accurate information. 

Furthermore, I contacted XXXX  Illinois District that Equifax did not verify the documented information with the court which would have shown inaccuracy with various items. I have supporting official court documents in my possession that show the numerous inaccuracies reported by Equifax. I believe they did not do there due diligence in verify the information regarding what is being reported by there credit agency. 

Finally, on XX/XX/XXXX, I initiated another complaint of inaccurate data being reported on an alleged Chapter XXXX Bankruptcy on my Equifax Credit File and I did not get a response with the 30 day time period. Equifax finally responded on XX/XX/XXXX and stated the same that the information was verified per XXXX XXXX. 

I am requesting you enforce my rights and have EQUIFAX delete the Bankruptcy from my credit file due to inaccurate information and there failure to verify the reported data. This is nearly 2 years of Equifax being evasive and unfair in working with me to rectify the inaccurate data on my credit file by demanding a Deletion of the Chapter XXXX Bankrutpcy, fin addition there are no other accounts associate with the said bankruptcy.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-12 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: F.H. Cann & Associates, Inc.
State: NY

Complaint narrative:
XXXX-> XXXX-> XXXX XXXX  XXXX-> XXXX XXXX-> F.H. CANN & Associates Inc. 

I paid nearly 9 years of my student loans without Interruption. I then lost my job. Up until that point I had paid $ 20,000+ of my {$16000.00} loan. So I had paid {$4000.00} in interest at that point. 

After a certain amount of time not being able to perform on my loan, it went into collections. Though XXXX never mailed me the bills, or informed me they were sending the debt to a collection agency. They claim they sent me e-mails, though they did not. They never sent snail mail either. 

Now the collections agency, FH CANN is attempting to charge 24.34 % for collection costs. 

Luckily I only owe > {$2000.00}. What if I owed {$100000.00}?! Thats a {$24000.00} Collection fee! 

It equates to 4 years worth of interest in one charge. All because I couldnt perform on the loan. This is way too much money for a collection fee. To make matters worse, they then send the agreement that says, they will only charge 16 % collection fee if I sign and perform on the collection agreements, otherwise its 18 %. The kicker is, they then choose who they want to sell the note too, and then the new company reserves the right to charge a collection cost on top of it! 

This has to be illegal! 

If you, as a an owner of a bank, are offering student loans, you are investing in a generation of people and a job market. The risk of the investment is lack of job opportunity, yielding limited repayment. Either way, as a world leader, the fringe benefit of your infrastructural investment is the educating of your population. 

The first chance you get, you dont sell the paper to a shell company, then charge outrageous fees once that person or people fall on hard times?!?! This is not how this business plan was originally built. It needs reform! 

What is the cap on collection costs? 

What are the rules for selling the debt? 

What does transparency in servicing options look like. No Deception! 

Please contact me with proactive or already in place regulations that will assist me with this companies attempt to collect a nearly paid off debt that they are trying to stock pile one-time insurmountable fees on top of.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK
State: NJ

Complaint narrative:
On XX/XX/2020 I paid my account down to a {$0.00} Balance. The account was a secured card account. On XX/XX/2020 I received a notice from XXXX  that Discover wanted me to consent to receive information from the IRS to verify information on my secured credit card account. The notice from XXXX  claims that my account with Discover Card would be closed in 14 days if I did not consent to the request to fill out IRS form 4506-T. I complied and filled out the form. I then attempted to use my card and it was blocked by Discover, I was not informed of this until I called them. I was informed that I had to wait up to 10 business days for the IRS to get back to Discover Card Before I could use my card. I was then blocked from accessing the account online. I needed a letter from Discover to give to my mortgage lender to confirm that the account was in fact paid to {$0.00} and Discover claimed that they were unable to provide me any information on the account until the IRS issues were resolved. Then after a second call to them and speaking with a manager I was told that they had to get a special department to lift the block temporarily so that a letter could be sent to me for my mortgage company. Then at XXXX XXXX on XX/XX/2020 I received an email from Discover that my account was closed because they were unable to verify information on my account. I called them and they blatantly refused to give me any information and specifically stated that the letter is the most information they can provide to me and they would not under any circumstances tel me what reasons or why specifically my account was closed. They denied me the secured credit card that I had for a few months and did not want to provide a reason. They promised to tell the credit reporting agencies that the account had been closed. I feel they discriminated and that their action amount to a sabotage of my credit rating that I diligently worked hard to obtain and they held the account from me with a {$700.00} secured deposit for reasons that they refused to tell me. Their actions are unfair, unreasonable and repulsive.

Company response to consumer: Closed with explanation