vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-04-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
On XX/XX/2019, I notified my mortgage servicer, Mr. Cooper ( formerly Nationstar ) that there was a very large overage in my escrow account that was missed by the prior servicer and that I wanted it back. The prior servicer also did not transfer over my HOI info correctly either, so I just requested to cancel escrows since I had put down 25 % and was entitled to waive them at the time of closing. They denied my request under the reason that my account was less than 2 years old. So I said fine, fix my escrow issue then. They opened a case to do an out of cycle escrow analysis that day ( XXXX ). It is now 49 business days later and I have heard nothing. They are now in violation of the Real Estate Settlement Procedures Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-16 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I made a large online purchase at Lowe 's using my Lowe 's Store Card in XX/XX/2019. During checkout, I was presented with the option for a 5 % discount or 24 months 0 % financing. I selected the 24 months 0 % financing option. 

Lowe 's Store Card, via Synchrony Bank, did not apply the promotional financing to my account and I was billed for the entire amount on my XX/XX/XXXX billing statement. Any unpaid balance would be subject to 26.9 % interest instead of having 0 % for 24 months. 

I called the Lowe 's Store Card customer service line and explained the problem. They informed me that they would correct the issue and issue a new bill to me.

Lowe 's Store Card never issued a new bill and they claim that my payment for the old bill is delinquent. In addition Synchrony bank has lowered by credit limit on this card by {$5000.00} which is damaging 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 monetary relief
Consumer complaint received 2019-04-16 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I have contacted Experian and XXXX via certified mail twice requesting for verification of accounts listed on my credit report within a 30 day time frame and both have failed to provide verification nor have investigated this matter to their fullest extent. 

I have enclosed a copy of my XXXX credit report and the most recent credit report from XXXX XXXX showing XXXX did their due diligence in requesting actual verification from these creditors.

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 2019-04-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: COAST PROFESSIONAL, INC.
State: MA

Complaint narrative:
I have requested information about the student load debt that Coast professional Inc has made attempts to collect. I send made a phone call to Coast professional on XX/XX/19 requesting validation of the debt because I would like to the validity. They send me a correspondence to validate the debt but it was not sufficient as the documentation was incomplete. I requested the promissory note for the loan and they we're unable to provide the me with the complete documentation. I do not have information to confirm that this debt is valid or the dollar amounts that are being attempted to be collected from coast professional are valid and accurate. 

All of my attempts to retrieve the requested information have not been successful. They have failed provide validation of this debt for a time period spanning over 30 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 2019-04-16 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
so i was applying to jobs and i applied to this XXXX XXXX job on XXXX, after like 2 weeks the " doctor '' emailed me back. Everything seemed legit, he gave me a letter of employment and all the details of the job, it was for the XXXX XXXX XXXX supposably, and so we started working from there. he said the office is under construction and in 2 weeks it will be open. he said i had to handle his personal finance, book meetings and trip, basically everything an XXXX  does but at first i didnt notice these red flags. we talk more and more then after a while after he wire transfered me {$19000.00} TO MY BANK ACCOUNT. At first i was like in shock because i never had so much money but i had no knowledge about wire transfers and money scams so i was definetly a easy target. i had to transfer funds from my bank account to XXXX XXXX and what not but i aint smell a bit of scam because the doctor actually provided proof that it was all for the XXXX XXXX XXXX. I called the bank to check the wire again and see if its legit, i reserached everything, the doctors name, phone number, scam websites, searched his email and everything and i did not find one thing so it all seemed legit. i asked the doctor a million questions about himself and he answered them. But i couldn't just keep this wrong feeling in my heart even though everyhting seemed real and legal, thats why im reaching out to you guys because im a miltary XXXX and i cant have a messed up credit, or be in debt or any problems. i quit the job respectfully because i felt something was wrong.

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 2019-04-16 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: TRANSWORLD SYSTEMS INC
State: FL

Complaint narrative:
Trans World Systems keeps calling me to collect a debt that I never owed. I keep asking them to stop calling and they won't. They call from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Direct Recovery Services, LLC
State: AZ

Complaint narrative:
Direct Recovery Services @ ( XXXX ) XXXX Sent my mother a text message and repeated phone calls to my mother about my debt after I told them NOT to reach out to my mother. Called my sons phone number and it was a recording saying this message is for XXXX ... ... if you are not XXXX please hang up now, ( the recording then paused for 3 seconds then the recording continued all ) this is an attempt to collect a debt any information obtained will be used to collect a debt ... .. They ( Direct Recovery Services ) can not legally tell anyone I owe a debt. When I reached out to them ( DRC ) and asked them how they are finding these numbers they said they use my social security number. I have asked them to STOP reaching out to my friends and family regarding my debt. They reached out to my ex trying to " verify '' my address and I have a restraining order against my ex for domestic XXXX. When I shared this with DRC they said legally they can do all the above and more. Now my ex has my address and family and friends know I owe a debt!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-16 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Company named XXXX did a hard inquiry on my account without my permission. I called experian to dispute and they refused to do that. They said I have to call the company.

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 2019-04-16 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: TX

Complaint narrative:
Equifax and XXXX are reporting incorrectly that I am 90 plus days past due on the XXXX/XXXX  accounts. Please see the attached spreadsheet of reporting bureaus and account numbers. Also, please reference pages 3 and 4 of the  attached credit report. This account reports a {$0.00} balance and {$0.00} past due. However, they are coded as if I am currently past due in present day. I am not disputing any prior late payments, but rather the coding error. Please change the coding to I1. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-16 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:
To whom It may concern My complaint consists of Transunion not properly investigating and reporting the XXXX XXXX that is currently reporting a {$4900.00} balance on my Transunion credit report. The company XXXX XXXX, which is located at XXXX XXXX XXXX XXXX, XXXX IL XXXX, and contact number ( XXXX ) XXXX. According to XXXX XXXX they sold this account to an unknown collection agency over four years ago in XXXX, but they are currently reporting the information to Transunion, and XXXX as an open account which is Illegal. I contact XXXX XXXX on XX/XX/XXXX, by phone and asked the representative who I spoke to give me the collection agency information in reference to get this account resolved, and the representative decline to give me the current collection agency any information about this account. I disclosed to the XXXX XXXX rep. that this information is repeatedly reporting on my Transunion and XXXX personal credit file, and I have the right to request this information, then the XXXX XXXX XXXX hung up. I contacted Transunion numerous of times about this XXXX XXXX account that is illegally being reported on my Transunion report. Transunion response was that they investigated the dispute for the account, and they determined that the information is accurate. Transunion is being misleading and untruthful, again this account was sold by XXXX XXXX to an unknow collection in XXXX, with that being said it is illegal for XXXX XXXX to continue to report this account to Transunion or any other credit bureau. Transunion needs to remove this XXXX XXXX account from my credit file.

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 2019-04-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: AES/PHEAA
State: OH

Complaint narrative:
I have a loan that was previously serviced by XXXX XXXX, but was transferred to American Education Services ( AES ) in XXXX. Prior to the transfer I re-certified my Income Based Repayment ( IBR ) plan through XXXX XXXX. I received a confirmation from XXXX XXXX that my IBR application had been approved on XX/XX/XXXX ( see attachment ). Subsequently, my loan was transferred from XXXX XXXX to AES. AES sent me a letter in XX/XX/XXXX saying that if I did not re-certify my IBR plan  by a date in XX/XX/XXXX ( a date that had already passed ), interest on my loan would be capitalized and I would have a new monthly payment amount. 

I called AES immediately and was assured that the IBR application was probably not processed yet. I was asked to send my confirmation from XXXX XXXX that it had processed my IBR application. I faxed the same attachment that I have included here. Weeks passed and I did not hear from AES about whether they had fixed the problem. I called again and was told that they had located my IBR information and they would fix the problem. 

On XX/XX/XXXX, AES erroneously capitalized {$670.00} of interest on my loan and added it to the principal. It also increased my monthly payment amount from {$10.00} to {$50.00}. I again contacted customer service and was told that they were aware of the mistake and were working to fix it. Nothing happened. Eventually my payment amount was lowered to $ XXXX/month and I was told that my IBR status had been approved. However, AES did not remove the interest capitalization from XX/XX/XXXX. I called customer service again and was assured that the capitalization takes time on their end to correct but that they were aware of the problem and would fix it. 

It is now XX/XX/XXXX and nothing has been done to remove the erroneously capitalized interest from my loan. I do not relish the idea of speaking to a clueless customer service agent from AES again and going through the whole story. It has become clear that AES does not intend to do anything to address the problem. Interest was erroneously capitalized on my loan, increasing my principal balance. This is akin to theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-16 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: AMERICAN HONDA FINANCE CORP
State: CT

Complaint narrative:
I have a charge off of {$10000.00} but they are also showing a monthly payment of {$570.00}. I never set up a payment arrangement. It shuld not show a payment on a charge off.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-16 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: TX

Complaint narrative:
XXXX and Transunion are reporting incorrectly that I am 90 plus days past due on the XXXX  accounts. Please see the attached spreadsheet of reporting bureaus and account numbers. Also, please reference pages 3 and 4 of the attached credit report. This account reports a {$0.00} balance and {$0.00} past due. However, they are coded as if I am currently past due in present day. I am not disputing any prior late payments, but rather the coding error. Please change the coding to I1. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.

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 2019-04-16 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: NJ

Complaint narrative:
I have contacted XXXX and Transunion via certified mail twice requesting for verification of accounts listed on my credit report within a 30 day time frame and both have failed to provide verification nor have investigated this matter to their fullest extent. 

I have enclosed a copy of my XXXX credit report and the most recent credit report from XXXX XXXX showing XXXX did their due diligence in requesting actual verification from these creditors.

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 2019-04-16 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I have been receiving phone call from a company that is called XXXX XXXX XXXX also know as XXXX XXXX XXXX XXXX. They have been calling from XXXX. The phone calls started in XX/XX/XXXX. they threatened me with further legal action .On their voice mails that were left on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX they stated there is a motion being filed to suspend all bank accounts and tax returns bearing my social security number. if i did not participate they will go forward with due process with out my participation. 
On XX/XX/XXXX.i spoke with them because the phone call had been increasing they stated their name was XXXX XXXX XXXX XXXX. They were trying to reach me regarding a judgment they would be placing against me. resulting in the freezeing of my accounts and collect moneys owed by garnishing my wedges or tax return if the debt i owe is not paid. They claim that an outstanding dept of {$150.00} is owed to Wells Fargo for an outstanding overdraft fee from XX/XX/XXXX. They claim the debt went into default in XX/XX/XXXX and was up to {$570.00} and now because of their collection services it is up to {$1500.00}. They claimed that if i did not settle this debt a judgment will be placed against me and i will owe {$3900.00} because of the additional collection fees and court costs. 
When i spoke with the company on XX/XX/XXXX I asked to speak to a supervisor he said his name was XXXX XXXX an attorney handling my case. The phone number i could reach him on was XXXX. I asked for them to send me the debt i owed or any information regarding the debt to me in writing but he refused to do so, saying that they had in the past tried, and started giving me a lot of legal jumble in order for me to give him a payment right away, He said if i payed most of the debt by credit card to him it would settle the debt. I offered to pay if he sent me a letter head of the company and proof of the debt. He told me he could not but once i gave him a credit card number in good faith that i would pay he would settle the outstanding debt and cease further legal action, and send me a letter stating that the debt was settled. 
Today XX/XX/XXXX they company continues to call me. I blocked the old number ( XXXX ) XXXX so they have called from a different number XXXX threatening me again to make a payment or they will continue with the judgment.

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 2019-04-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
one inaccurate bankruptcy chapter XXXX is reporting under my experian credit file. which does not belong to me i had never filed any, i dont know whos information these are that are reporting under my name, i have tried to dispute them but they have not been helpful. please have this inaccurate information removed from my XXXX and experian credit file thank you

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 2019-04-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: FBC MORTGAGE, LLC
State: PA

Complaint narrative:
I am interacting with a mortgage lender named FBC Mortgage LLC out of XXXX PA on XX/XX/2019. The lender, XXXX XXXX shared my private financial information including rates, costs, and conversations with a third party .. XXXX XXXX of XXXX XXXX without my approval. I did not authorize this and told him that was not authorized to do so. He blew it off that it wasn't a big deal. 

I consider this a serious breach of my information and am worried about their data privacy practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-16 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Turner Acceptance Corp.
State: IL

Complaint narrative:
To whom It may concern my name is XXXX XXXX, and I am filing this complaint against Turner Acceptance The company Turner Acceptance, which is located at XXXX XXXX XXXX XXXX, XXXX IL XXXX, and contact number ( XXXX ) XXXX. According to Turner Acceptance they sold this account to an unknown collection agency over four years ago in XXXX, but they are currently reporting the information to XXXX, and XXXX as an open account which is Illegal. I contact Turner Acceptance on XX/XX/XXXX, by phone and asked the representative who I spoke to give me the collection agency information in reference to get this account resolved, and the representative decline to give me the current collection agency any information about this account. I disclosed to the Turner Acceptance rep. that this information is repeatedly reporting on my XXXX  and XXXX   personal credit file, and I have the right to request this information, then the Turner Acceptance rep hung up. I will like Turner Acceptance to stop trying to report this false information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
one inaccurate bankruptcy chapter XXXX  is reporting under my XXXX credit file. which does not belong to me i had never filed any, i dont know whos information these are that are reporting under my name, i have tried to dispute them but they have not been helpful. please have this inaccurate information removed from my equifax and XXXX credit file thank you

Company response to consumer: Closed with non-monetary relief