vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-01-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONSTAR MORTGAGE LLC
State: AZ

Complaint narrative:
I have owned my home for 15 years and now face foreclosure auction on XXXX XXXX because my mortgage company Nationstar has not given me an opportunity to cure my missed payments. I missed payments because I was involved in a bad car accident that kept me in the hospital for months and out of work for a year and a half. Now that I have steady income coming in from XXXX and VA benefits I am in a place where I can make a fair payment but Nationstar has not been willing to consider me for a modification or restructured loan that would help me fix this problem. The company changed their name to Mr. Cooper and claims that they are a community based lender that wants to help. I am here to tell you that is not true. I am being overwhelmed with junk fees and legal fees and their agents have not been willing to help me get considered for a permanent option to save my home. This is very stressful and disconcerting. 

I refinanced my loan in XXXX XXXX right before the market crash with XXXX XXXX XXXX XXXX I later found out that the owner was indicted for mortgage fraud and this company went belly up so the loan was transferred to XXXX and then eventually went to Nationstar. At the time I was a XXXX XXXX at a XXXX XXXX ( had been in this line of work for 25 years ) and there were no financial issues. Then I was involved in a bad car accident in XXXX and ended up in the XXXX. I was XXXX for three months and then had 6 months of XXXX while dealing with the XXXX XXXX on my XXXX. I was essentially out of commission for 18 months and due to missing so much time my company let me go from my $ XXXX a year job. That was a tough time for me and I ended up defaulting on my mortgage. I am currently on XXXX XXXX and monitored by the VA doctors. I was eventually able to get approved for my XXXX XXXX and also my VA benefits and attempted to get back into good standing with my mortgage. 

However, Nationstars agents demanded that all past due payments be reinstated in order to save my home from foreclosure. I can make a fair payment but am not able to reinstate the loan. I feel that the loss mitigation department at Nationstar/Mr. Cooper has denied me access to government and internal programs that should be made available to me. I wanted some type of modification or restructured loan so that I can fix this problem, but their agents have claimed that there are no permanent options. I have been sending in payments in order to show good faith and Mr. Cooper has been accepting them, but at the same time they have set a foreclosure sale date of XX/XX/XXXX I believe this is known as dual tracking. I want and deserve a permanent option. I want and deserve an affordable plan and payment on my mortgage so that I can get out of foreclosure and have the comfort of knowing my house is not going to be taken from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-09 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: IL

Complaint narrative:
I have attached a letter and documents with highlighted information for review by the CFPB the credit reporting agencies and the creditors XXXX XXXX XXXX XXXX XXXX This is in response to a previous complaint with regarding items listed on my credit file that have not been validated. The information attached has been altered and or tampered with and is not the original information that was " supposedly agreed to by myself and the joint party. I never received a claim letter from this company regarding the CFPB consent order and was misled by the healthcare provider about the details and truth regarding opening the account and card. I believed that this card and account was paid in full. Account ending in XXXX was charged off and sold to a collections agency. 
******Please view all attached documents. ***********

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-09 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: IL

Complaint narrative:
I have attached a letter and documents with highlighted information for review by the CFPB the credit reporting agencies and the creditors XXXX XXXX XXXX XXXX XXXX This is in response to a previous complaint with regarding items listed on my credit file that have not been validated. The information attached has been altered and or tampered with and is not the original information that was " supposedly agreed to by myself and the joint party. I never received a claim letter from this company regarding the CFPB consent order and was misled by the healthcare provider about the details and truth regarding opening the account and card. I believed that this card and account was paid in full. Account ending in XXXX was charged off and sold to a collections agency. 
******Please view all attached documents. ***********

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 2018-01-09 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: UT

Complaint narrative:
I purchased this savings certificate (XXXX XXXX, XXXX and XXXX XXXX XXXX, XXXX) in the amount of $XXXX on XX/XX/XXXX for my son, XXXX XXXX at XXXX XXXX XXXX in XXXX, PA. Certificate #XXXX. Since the purchase of this savings certificate, the bank has undergone many mergers: •	XXXX taken over by XXXX XXXX•	XXXX taken over by XXXX XXXX XXXX XXXX•	XXXX taken over by XXXX XXXX•	XXXX taken over by Wells FargoI have the original savings certificate which is a certificate that is an auto-renewal certificate in which the interest is capitalized annually. It states on the certificate that it is payable only upon presentation of the original certificate, which I have in my possession and have never presented it for a cash out.I have been speaking to XXXX XXXX at Wells Fargo Bank who has been assisting me to redeem this certificate and I’m told that they cannot cash it because they do not have any record of it, which they should. We have had a continuous account with all of these banks over thirty years and still maintain an account with Wells Fargo. They should have a record of my certificate and be able to cash it on its redeeming date. I have demanded payment with interest for this certificate upon its renewal.

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 2018-01-09 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
In XX/XX/XXXX, called Navient to determine how me as the co-signer of the loan can be removed from the loan. I was informed at that time if I made 12 consecutive payments in the amount of $ XXXX monthly I could be removed from the loan. At that time, I set up to have the payments automatically deducted from my checking account. The payments were taken every month until XX/XX/XXXX. 

As a resident in the state of FL, I was impacted by XXXX but I never requested to have the deductions stopped. My daughter called this week to have the payments moved to her checking account and to have me removed from the loan. Now they are stating that I would have to start the process all over again, as if I never made those payments from XX/XX/XXXX - XX/XX/XXXX. 

Also the representative was very disrespectful, unprofessional and hung up the phone on us.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Torres Credit Services, Inc.
State: PA

Complaint narrative:
I received many back to back calls, so I finally answered, they asked for me to confirm who I was, they had my name correct - but I would not confirm. I asked what the company was called - Torres Credit Services - but they would not tell me what they wanted until I confirmed who I was. After back and fourth hey hung up on me. 

I called back and got a different person, I asked her what company it was and what it was about, and what services they provide. She would not tell me until I confirmed who I was. I repetitively refused, and she refused to tell me anything. I asked for a manager, he also did the same. 

I read reviews of this bogus company - they have a real address in my state and a website, and people complained that Torres was reporting that they owed random amounts of money to the credit bureaus, that were not owed to nonexistent places. 

I am nervous that they have my information and will fraudulently report something to the credit bureaus.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
On a regular basis when I log into my online banking account, I get a screen asking me to verify personal information. It says it is missing critical information and that I should update this question : " Do you have dual citizenship? '' and further, it states the field is required. I first received this screen in fall 2017 ( I have been a customer for about 20 years ) and although I answered the question, I continue to receive this screen whenever I log in. I now resort to bypassing it. 

I would like to know : ( 1 ) Is this question being asked of all BofA customers? 
( 2 ) What law or regulation allows a bank to inquire about dual citizenship and maintain this information? Do I need to be a citizen to access financial services? If not, is n't this an invasion of privacy? 
( 3 ) How is this data maintained and is it shared? 

Lastly, why does the bank continue to ask this of me despite my already having provided this information willingly.

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 2018-01-09 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: CORELOGIC INC
State: NV

Complaint narrative:
XXXX XXXX Credit Report Agency has included in my personal credit report information from other credit information obtained by Corelogic, XXXX XXXX XXXX, XXXX, TX XXXX phone ( XXXX ) XXXX XXXX and XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, MN XXXX phone : ( XXXX ) XXXX and placed it in my Personal Credit Information files. XXXX XXXX action to freely place such incorrect information from Corelogic and XXXX XXXX is damaging to my financial records since these 2 credit report agencies : Corelogic and XXXX XXXX have different methods to calculate credit reports beneficial to the consumer. I found XXXX XXXX action to place the reports from Corelogic and XXXX XXXX without my approval being ILLEGAL and damaging to my financial needs.

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 2018-01-09 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: TX

Complaint narrative:
I 've been dealing with XXXX for years and I 'm at wits end. They 've lied to me repeatedly about whether or not my loans qualify for PSLF, what the status of my loans are, and what money I owe. I applied over 3 months ago to recertify in a income based repayment plan, and have been through several waves of contradictory information. I first talked to a person a couple of months ago who assured me that my loans were pending approval for an IBR plan and that I would owe {$5.00} for that month. A month later I was given a bill for a full standard repayment amount, which did n't make sense to me since I never transferred to this plan. I called and spoke to a person who also did n't know what was going on, but said that I could defer and the following month I would be paying on IBR. Now this month, despite filing to defer a month ( which I hated doing because I want to pay this loan down but XXXX forced me into it through their own incompetence ) my account now shows TWO bills of standard repayment and no end in sight for IBR. XXXX does not communicate, has not responded to emails, and has told me different contradictory information every time I 've spoken with them. 

As far as I 'm concerned, it 's not a matter of 'if ' but 'when ' for a huge class action lawsuit against XXXX, as I 've read countless articles and stories from people in similar situations and that must only scratch the surface of people in my shoes. They are incompetent mismanagers of federal loans that are having drastic impacts on people 's finances, including my own.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO.
State: LA

Complaint narrative:
On XX/XX/XXXX, I mailed my XX/XX/XXXX mortgage payment of {$1200.00} to Chase by certified mail. Chase signed for the payment on XX/XX/XXXX. Chase applied the mortgage payment as a {$1200.00} principal reduction payment. On XX/XX/XXXX, Chase reversed the {$1200.00} principal reduction payment and reapplied our XX/XX/XXXX mortgage payment as a principal reduction payment of {$1200.00}. I have contacted Chase daily to fix our XX/XX/XXXX mortgage payment. As of XX/XX/XXXX, Chase has not fixed our XX/XX/XXXX mortgage payment. Chase has not sent us our XX/XX/XXXX or XX/XX/XXXX mortgage statement even though I have repeatedly contacted them for our mortgage statements.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-09 00:00:00
Product: Debt collection — Private student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Monterey Financial Services LLC
State: VT

Complaint narrative:
The balance I owed them as of XXXX XXXX was XXXX, by this date they have charged me a total of XXXX $ in fees which they claim I owe them. Their collection fee is XXXX $ and I have been charged almost XXXX $ in interest fees and they continue to charge me those interest fees daily. I am being charged almost a thousand dollars in as little as 6 months and the balance keeps rising daily. I have tried to come up with a settlement with them and they will not take off any fees and continue raising the balance. The balance now is almost what the original loan amount of XXXX was, as if the XXXX $ I already paid doesnt amount to anything. When I originally signed the loan I was not informed of these fees that I would be paying if I defaulted in payments. This can not be legal

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-09 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
I was looking at my credit report a few years back and saw a collection account that I was not aware of. I also started getting calls from this entity, sometimes 10 calls a day. I told them I didnt recognize this debt and I already disputed it through all of the credit reporting agencies. They said that I owe the debt and still continue to call several times a day. I have no idea what this is for and told them so.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: PR

Complaint narrative:
XXXX XXXX XXXX XXXX has closed all of my personal accounts, credit cards, and business accounts, with no explanation, leading to a very frustrating experience for me. They now have around $500 of my money tied up in cyberspace, who knows when I will get it back. I am a law-abiding citizen and have never had any problems with any other bank, however Wells Fargo refuses to provide me with any reason or explanation for why they have closed all of my accounts.

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 2018-01-09 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: MO

Complaint narrative:
I purchased the item with credit card. After I returned the item I still didn’t receive my refund. It’s being over a month.

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 2018-01-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: SUNTRUST BANKS, INC.
State: FL

Complaint narrative:
My account had a restaurant charge on my debit card.  However, I did not realize the restaurant did not put in the tip amount.  So, this resulted in a $XXXX overdraft on my account which cost $XXXXI think to charge $XXXX is gouging, when they could have sent an email alert to clear up the $XXXX  overage.

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 2018-01-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: U.S. BANCORP
State: AZ

Complaint narrative:
In XXXX of XXXX I submitted an online application for a secured credit card through US bank. Application required checking account and routing numbers in order to complete application. After submitting the application the site informed me that I was not approved for a card at that time and would be sent a letter in 7-10 business days explaining why. Roughly 6 weeks later in XXXX XXXX {$300.00} was withdrawn from my bank account to US Bank for the deposit with no notification of a new secured card account opened. I immediately Contacted US Bank to close the account and issue a full refund of {$300.00}, as I was not aware of any approval on my application. US Bank refused to do either. Was told I had to wait a minimum of 60 days to ensure there was no activity on the account. The account has since been closed due to overdue balance on a card that was never activated and account was never used. I was charged an annual fee along with late fees and interest. That 60 day wait was to charge fees and interest on an account that should NOT have been opened in the first place! They are now requesting an additional payment of {$110.00} in order to issue a refund. They are now negatively reporting to the credit bureaus after stealing not only my {$300.00}. But now want an extra {$110.00}! After multiple calls made to US Bank this has still not been resolved. I just want my {$300.00} back and all negative marks removed!

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 2018-01-09 00:00:00
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Lost or stolen check — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: IN

Complaint narrative:
I was involved in Ace cash express refund settlement and did n't receive the check until late XXXX XXXX, check was dated in XXXX. Looked into last month, after hours of getting no where gave up. Seen it again and figured I try, it 's over XXXX $ so would like to figure it out.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-09 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Collection Bureau of Fort Walton Beach, Inc
State: FL

Complaint narrative:
In XXXX I filed a complaint with you about 2 charges that showed up in my credit report from the Collection Bureau of Fort Walton Beach. One is for XXXX XXXX XXXX ( I have n't used this place in at keast 10 years ) and the other is XXXX XXXX XXXX ( I do n't even know who this is ). I believe you assigned one of the accounts XXXX, but I ca n't get back to the page at this moment to get the other number. In their response they said they would send me something verifying and proving that these charges are valid and are indeed mine, but as of this date, XXXX XXXX, XXXX, I have not received anything from the Collection Bureau of Fort Walton Beach. I provided feedback to the extent that I was hopeful they would send me the requested info as they said they would, but I should n't have sent feedback so soon. If they ca n't provide me with the verification, these charges need to be removed from all of my credit reports. I am not going to pay a charge that ca n't be proved to be mine.

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 2018-01-09 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: ERC
State: GA

Complaint narrative:
XXXX agreed to delete account XXXX because it was paid in full XXXX XXXX. XXXX was contacted on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, and XXXX/XXXX/XXXX and on all three occasions I was told by representatives ( XXXX, XXXX ) that they sent a request to XXXX  XXXX XXXX to delete this account XXXX. When I called XXXX XXXX on the dates of XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, and XXXX/XXXX/XXXX I was told that XXXX never sent a request for deletion. XXXX stated they have sent MULTIPLE request to XXXX XXXX XXXX to delete this account that was paid if full but XXXX XXXX still have not deleted this account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation