vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-08-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC
State: NY

Complaint narrative:
Mr. cooper took over my loan in XX/XX/2017 from XXXX. Since Mr. cooper took over they have twice received my payment in time but failed to cash or process my payment for 3 weeks putting my account in a late status. 

The latest incident was in XX/XX/XXXX. I mailed my payment on XX/XX/XXXX and as of XX/XX/XXXX the payment was not processed according to my online account. I called customer service to find out what was going on. Thru this conversation It was determined that it would be best for me to enroll in auto payment. So with the Mr. cooper rep I went online and made my XX/XX/XXXX payment electronically and also enrolled in autopay. I instructed the CSR to disregard my check when it was received as payment has not been made. I let him know that I would put a stop payment on the check. 

When Mr. cooper finally decided to process my check on XX/XX/XXXX, they saw that my account was paid so they decided without my knowledge or authorization to cash my check and apply the money as extra principal thus incurring a returned check fee that they are now trying to make me pay for. They also assessed a late fee for XX/XX/XXXX due to them holding onto my payment for 3 weeks. 

My issue is that they sent me a letter stating that the discrepancy was in no part their fault and they are not responsible for the mistake. I think that due to Mr. coopers lackadaisical handling of mortgage payments has most likely cost other clients unwarranted and undeserved penalties. This has happened twice with Mr. cooper in less than a year and when I was with XXXX for over 10 years it never happened 1 time.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Radius Global Solutions LLC
State: GA

Complaint narrative:
Received a letter on XX/XX/2018 from Radius Global Solutions LLC trying to collect a debt for {$150.00} with XXXX XXXX that is in good standing and NOT in default. The account is closed but payments are being made. I believe this company is trying to scam people into thinking their account is in default. I requesting that XXXX XXXX be contacted so they can confirm my account is in good standing. XXXX would not be sending statements if I was in default.I have attached the last statement from 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 2018-08-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Nelnet, Inc.
State: GA

Complaint narrative:
I was a victim of identity theft, and I reached out to the company nelnet to let them know my situation, I mailed in my police report, affidavit, and every document that was requested. After following up on things, nelnet informed me the information that I sent in was not good enough, they said they have documents that I signed where I agreed to pay this loan, I stated it was impossible because my identity was stolen so it wasn't me, I asked them to mail or email me the documents so I can see them, they refused. So I have reason to believe that they are forging signatures to make consumers responsible for loans. Please have them provide the original contract that originated this so called loan and any other documents with signatures on it. I have reason to believe that this company is violating the fair credit reporting act and committing fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I have realized that there are multiple credit inquiries on my credit report all three and a XXXX   credit card that I did not apply for. I disputed the inquiries and go a same old letter stating the inquiries are factual. There is no way these are factual unless these companies can provide a signed documentation with my signature on it which they do not have. Internet fraud is one of the hottest situations today. These companies need to go back to applying for credit in the store where faces can be seen. XXXX aka firestone do not have a signed credit application on file. Anybody can create a online account if they have your information. I will be putting a security freeze on my credit. These are the unauthorized inquiries : XXXX XXXX XXXX Inquiry : XX/XX/XXXX Bank ( XXXX ) XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX BANK NA Inquiry : XX/XX/XXXX Contractors ( XXXX ) XXXX XXXX XXXX BANK NA Inquiry : XX/XX/XXXX Bank ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Bank ( XXXX ) XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Bank ( XXXX ) XXXX XXXX XXXX BANK NA XXXX Inquiry : XX/XX/XXXX Bank ( XXXX ) XXXX XXXX CARD Inquiry : XX/XX/XXXX Bank ( XXXX ) XXXX XXXX BANK XXXX Inquiry : XX/XX/XXXX Bank ( XXXX ) XXXX XXXX BANK Inquiry : XX/XX/XXXX Bank ( XXXX ) XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX CO DUAL CARD Inquiry : XX/XX/XXXX Bank ( XXXX ) XXXX XXXX XXXX  Inquiry : XX/XX/XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX BANK XXXX Inquiry : XX/XX/XXXX Bank ( XXXX ) XXXX XXXX DC Inquiry : XX/XX/XXXX Bank ( XXXX ) XXXX These inquiries and XXXX is ruining my credit tremendously. I do not even own a vehicle so I would not have a reason to apply for a XXXX card.

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 2018-08-21 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: DC

Complaint narrative:
I paid this account in full in XX/XX/2017 through XXXX XXXX ( collection agency handling the account ), but the account still shows in a derogatory status on my Experian report. I filed a dispute with Experian and the account is still not updated. All other credit bureaus are updated correctly.

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 2018-08-21 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: SYNCHRONY FINANCIAL
State: DC

Complaint narrative:
I paid this account in full in XX/XX/2017 through XXXX XXXX ( collection agency handling the account ), but the account still shows in a derogatory status on my XXXX   report. I filed a dispute with XXXX and the account is still not updated. All other credit bureaus are updated correctly.

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 2018-08-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Diversified Adjustment Service, Inc.
State: LA

Complaint narrative:
I was sent into collections for i guess a XXXX account opened in XXXX i do not live their and havent lived their in 6 years i live in XXXX i know who i think did this and i have reported to police and federal trade comission. also i have froze all my credit reports. i am having no success in having this removed from my credit.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
I was paying down a balance on my Synchrony Card and had {$660.00} left to pay off from items purchased at HH Gregg. My monthly minimum payment was {$25.00}. Each month, I paid {$60.00} to pay off the balance more quickly, not realizing that the additional funds were not being put towards the principal. My XXXX statement indicated that over {$800.00} had been added to my account as deferred interest, although I had been paying over the minimum amount due. Nowhere on the statement does it state how much per month needs to be paid off to avoid deferred interest. My balance is now over {$1500.00}. Upon seeing our statement, I immediately called the company to pay off the actual amount owed ( {$660.00} ) and have the deferred interest removed. They declined and would not offer any sort of compromise. This is predatory lending and we are now being charged more than double for items purchased.

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 2018-08-21 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: Santander Consumer USA Holdings Inc.
State: GA

Complaint narrative:
I had a car financed through Santander and the car was repoed in early XXXX. The account was sold to XXXX and I paid it off in XXXX ( settled for less than what was owed ) but they consider it paid in full. Both Santander and XXXX show it paid in full but thats they problem ... they both show it so it is a duplicate reporting of the same debt. Ive contacted them over and over but they and they refuse to remove one of them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-21 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: Credit Karma, LLC
State: MI

Complaint narrative:
Companies Involved : Credit Karma, XXXX XXXX, XXXX XXXX XXXX - XXXX XXXX Collection Agency, XXXX/XXXX/XXXX My credit report was obtained via CreditKarma by someone using my SSN, Name, DOB and other information - This account was set up with email address XXXX and my credit report was fraudulently obtained by someone else on XX/XX/2017. CreditKarma does not have a phone number where I can report this fraudulent activity or speak with someone about what information was given out on my credit report and accessed by someone else. The Credit Karma information was then used to open a XXXX XXXX account on XX/XX/2017 ( one day after obtaining my credit report ) in my name and SSN and previous address. The XXXX XXXX account number is XXXX - which was not paid and then sent to collections for {$6000.00}. I realized this account was on my credit reports and attempted to dispute this account and all charges associated. All three credit reporting agencies have denied my requests. XXXX XXXX XXXX - XXXX XXXX Collection Agency / XXXX XXXX Fraud Claim - XXXX. XXXX XXXX denied and completed by fraud claim ( # XXXX ) without contacting me. In order to speak with a fraud agent, I have to wait on hold for 30+ minutes. I have sent the police report to XXXX and am waiting for them to remove the account from my credit report. This XXXX account was apparently able to be created because Credit Karma provided ANY or ALL of my personal information to another person - which they used to fraudulently verify MY identity with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
Received a letter on XX/XX/2018 from XXXX XXXX XXXX XXXX trying to collect a debt for {$150.00} with American Express that is in good standing and NOT in default. The account is closed but payments are being made. I believe this company is trying to scam people into thinking their account is in default. I requesting that American Express be contacted so they can confirm my account is in good standing. AmEx would not be sending statements if I was in default.I have attached the last statement from AmEx.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-21 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Bull City Financial Solutions, Inc
State: NC

Complaint narrative:
I sent the following HIPAA letter to Bull City Financial Solutions : Dear Bull City Financial Solutions, After viewing a copy of my credit report, I noticed two collection account placed on my credit report from you in 2016. I am requesting that you allow me to validate the alleged debt. I am unaware of any outstanding medical bills that I possess, and I am seeking the name and hospital/medical provider to which I owe the debt and a detailed breakdown of the fees that I owe. 

Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that the HIPAA does allows the release of limited information about me but anything more is to only be revealed with the patients authorization. Therefore, my request is twofoldvalidation of debt and HIPAA authorization.

Please provide breakdown of fees including any collection costs and medical charges. 
Provide a copy of my signature with the provider of service to release my medical information to you. 
Cease any credit bureau reporting until the debt has been validated by me. 

Please send this information to my address listed above and accept this letter, sent certified mail, as my formal debt validation request, which I am allowed under the FDCPA. Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt. 

Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it is a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agency. I will await your reply with above requested proof. Upon receiving it, I will correspond back by certified mail. 


When they responded they did not supply me with validation but clearly stated verification. They highlighted numbers on the paper and showed proof that they had knowledge of what procedures I had done and on what dates with what provider. I believe this is a violation of my HIPAA rights and they should not have this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-21 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Fee problem
Company: ALLY FINANCIAL INC.
State: CT

Complaint narrative:
Ally invest charged a {$200.00} fee to offset bonus earned for opening account, in error. 

The terms of the offer do not allow them to levy this fee.

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 2018-08-21 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: MO

Complaint narrative:
My family and I were on vacation in XXXX XXXX. We decided we wanted to attend a XXXX game that evening. We got on XXXX and texted back and forth with a guy that had tickets for sale. I verified that the tickets were legit and would be sent through XXXX. He assured me they would and that you can't sell fake or used tickets through XXXX. I then asked if he accepted XXXX and he said he preferred XXXX that way everything went through his bank and is documented. I had never used XXXX but it seemed legit since it was on the Bank of America app. I  transferred the money and he told me he was sending the tickets over. Of course, they never came and he blocked my phone calls. I immediately reached out to Bank of America and they said I had to wait until the next day when the funds 'posted ' to my account. Of course, the next day, the scammer had taken the funds from the account I transferred to and closed the account. I am a preferred client at Bank of America and have been a customer for well over 10 years. I am shocked that they  would offer something they don't back on their app without any warnings. I'm also shocked how easily they dismiss me and close my case saying that I 'authorized the transfer ' so there is nothing they can do. I find it hard to believe that if this wasn't fraud, the person would have cleared and closed the account the same day as the transfer. The money went to XXXX XXXX so I would think between those 2 large  institutions, there would be a better system in place to handle these situations without leaving a long time customer out of luck. If they do not make this right, I may consider taking all of my business to a credit union, where it probably should be.

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 2018-08-21 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: Santander Consumer USA Holdings Inc.
State: MN

Complaint narrative:
I contacted Santander in XX/XX/2018 to make my payment before being reported late to credit bureas. I was given inaccurate information regarding my account and when account could be paid before being reported late. 

I borrowed money from my mother and had her to contact Santander to pay them in my behalf. The customer service representative gave her my account information without my consent, which is against policy and violated my privacy. I later called to speak with a manager and was told the call would be investigated and I'd receive a call back on the following XXXX. I never received a call and they inaccurately reported my account 30 days late with the credit bureau. 

I have called, written letters with no response at all over the last 6 months. This information needs to be corrected as I was not late based on the payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
I was approved for a modification on XX/XX/XXXX. The modification that I agreed to and signed before a notary stated that under the agreement the loan would be reduced in three equal installments of {$76000.00} with a final installment of {$28000.00} due on and payable on XX/XX/XXXX. The mortgage payments were made and time and Ocwen failed their terms of the modification. The loan balances should be {$140000.00} 1st/ {$580000.00} 2nd balloon payment. The current pay-off amounts are {$130000.00} 1st/ {$250000.00} 2nd I have called Ocwen numerous times and I am told they are able to  make changes to the agreement with my signature or consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
I contacted XXXX in XX/XX/2018 to make my payment before being reported late to credit bureas. I was given inaccurate information regarding my account and when account could be paid before being reported late. 

I borrowed money from my mother and had her to contact XXXX to pay them in my behalf. The customer service representative gave her my account information without my consent, which is against policy and violated my privacy. I later called to speak with a manager and was told the call would be investigated and I'd receive a call back on the following Minday. I never received a call and they inaccurately reported my account 30 days late with the credit bureau. 

I have called, written letters with no response at all over the last 6 months. This information needs to be corrected as I was not late based on the payment.

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 2018-08-21 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: EQUIFAX, INC.
State: MN

Complaint narrative:
I contacted XXXX in XX/XX/2018 to make my payment before being reported late to credit bureas. I was given inaccurate information regarding my account and when account could be paid before being reported late. 

I borrowed money from my mother and had her to contact XXXX to pay them in my behalf. The customer service representative gave her my account information without my consent, which is against policy and violated my privacy. I later called to speak with a manager and was told the call would be investigated and I'd receive a call back on the following Minday. I never received a call and they inaccurately reported my account 30 days late with the credit bureau. 

I have called, written letters with no response at all over the last 6 months. This information needs to be corrected as I was not late based on the payment.

Company response to consumer: Closed with explanation