vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-06-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONSTAR MORTGAGE LLC
State: CA

Complaint narrative:
We applied for modification with our mortgage servicer  Nationstar  on  XXXX   XXXX ,    2017  and it took them several months to ultimately deny our request. During all that time and numerous contacts ( close  to 75 phone conversations and at least 20 written communications ) they never mentioned one single time that being late on our mortgage payments WILL 100 % negatively impact our ability to refinance if our    modification is denied. They did n't say that there are guidelines which all the banks  have to follow.     I believe that our mortgage company intentionally chose not to share that information with us in order to get us exactly where they wanted us : - Now we can not qualify for refinancing with ANYONE until we bring our account current and are stuck with the 8.5 % interest for minimum of 12 months with Nationstar.     We could have borrowed the money to make payments on time during the process and would have been able now to refinance without a problem with the kind of equity we have. Instead, we 'll have to pay an extra  $ 12,000+ in interest until  we can even apply for refinancing.     I hope somebody who 's reading this will see through an unethical practice of this financial institution and penalize them heavily for hiding the facts in such a sleazy way!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AFNI INC.
State: CA

Complaint narrative:
I 've already filed this complaint and CFPB lost it : AFNI, collecting on behalf of the original creditor,  XXXX   XXXX   XXXX  provided a disclosure saying that information collecting during the call would be used to collect a debt. I was calling to report the collection as a fraud as a consequence of identity theft, and the representative proceeded to issue a fraud packet. He refused to send  one  via email but he said that he could mail it. I told him that I did not wish to provide any personal information and he assured me that my address would ONLY be used for correspondence in the fraud case. He lied. He deliberately mislead me to collect information from me in order to use it to collect. I know this because days later, I received a collection letter before ever receiving a fraud packet

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-12 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: PENTAGON FEDERAL CREDIT UNION
State: VA

Complaint narrative:
initial transfer was  XXXX   XXXX ,  2017  ... .sent  XXXX  +  XXXX  charge to   XXXX   XXXX   in   XXXX   ... to   XXXX   XXXX   ... at that end they say the money has not arrived ... I have called penfed credit union, sender of intial transfer at least  two  ealier times for reason ... .have yet to get a valid explanation why after 11 days account there has not been credited with funds ... called them today and still get runaround ... need cfpb assistance in having this corrected

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-12 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: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
I got a phone call ( not for me  XXXX  from  Midland Credit Management to day  (   XXXX / XXXX /  XXXX  ,  XXXX   )  on my home telephone number. This was not the first time they 've called. They were willing to give me their name and phone number but when I asked repeatedly for their mailing address they refused citing that they wouldnt because, " I hadnt answered any of their questions. '' I, admittedly, started to get angry and demanded to speak to a supervisor. I asked them if they were a debt collector calling in an attempt to collect a debt - refused to answer. Asked repeatedly for the mailing address - initially they refused to answer ; they only gave it after I threatened to take them to court ( I did finally get the address ). Initially I just wanted the supervisor to apologize for his subordinates actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-12 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: CA

Complaint narrative:
I initiated the dispute process only to have the reporting time on the items in dispute reset and now listed as " on record '' until  XXXX . This is on some items first incorrectly reported in  XXXX . To top it off the report of the results provided by the credit reporting agency does n't provide a clear and concise description of the findings. Or what changes were made to my report if any. They do n't show me what the details were and what was changed.

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 2017-06-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Monterey Financial Services LLC
State: MS

Complaint narrative:
This was parent plus loan for my son. Someone kept calling and offering to consolidate my loan. I, contacted them the rep explained the way it would work so I did do everything on my phone i canceled the consolidation process. Loan, hero /Monterey  sent ou t papers. I called them to inform them I had canceled the consolidation. She told me I would have to contact federal student which I did. He informed me I will have to pay the loan because I had 5 days to cancel.   It 's not fair for me to be paying for a loan I have never received.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-12 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: TOYOTA MOTOR CREDIT CORPORATION
State: NY

Complaint narrative:
I transferred my lease in  XXXX    XXXX   from my name to another  3rd  party. We finalized the paperwork on  XXXX / XXXX /  XXXX   and mailed to   XXXX   XXXX   XXXX  , the guarantor on the lease. I received a letter from  XXXX  dated  XXXX / XXXX /  XXXX   stating that I was financially clear of the vehicle. I then gave the car to the other party.     I recently learned that they have been hitting my credit with derogatory marks for missing the  XXXX  payment, although I received the letter from the company saying I had no further financial obligation ( I have attached copies of the letter, lease transfer, and a copy  of 1 of the 2 credit reports that indicate 30 days past due for   XXXX   ).      I then tried to log in online to view my account, which I could not do, " no active account ''. When I called in, they could not see the vehicle had even ever been leased to me, nor could they see any delinquency on my account. When requesting a follow up and an inquiry through their call center on  XXXX / XXXX /  XXXX  , they had no idea what I was talking about. I was told that they would only respond or investigate my claims if I wrote a letter, which I wrote yesterday,  XXXX / XXXX /  XXXX  .     This comes after 8 months.  EIGHT  months of them being difficult to answer or transfer the lease ... requiring countless emails, letters and phone calls to complete the transaction. The amount of extra payments I had to pay just in their reluctance to complete the process was outrageous. The only way I got that process handled is I wrote an email to their  CEO Executive  Office and someone there pushed it through.     The amount of financial harm this company has caused me due to their own processes is ridiculous.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-12 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: U.S. BANCORP
State: MN

Complaint narrative:
On XXXX/XXXX/XXXX I opened the US Bank Altitude Reserve card because they have advertised that " spend {$4500.00} in 90 days and get XXXX points ''. I paid {$400.00} annual membership fee right away after approval. I used it to book some airline tickets on XXXX and XXXX, and used for a computer purchase and hotel reservation payment on XXXX. On XXXX, my card was involuntarily closed by US Bank. I called XXXX and spoke to XXXX, and he told me, per their T & C, my card was permanently closed because I used my card to buy " cash equivalents ''. I only have these charges to my card for the whole lifetime of the card, and none of them are " cash equivalents ''. Then he said it was closed because some of the transactions are earning me " reward points '' and therefore US Bank decide to close my account. So the fact is, I did not use the card on any " cash equivalents '' ( which XXXX said was forbidden by their T & C ), but they still closed my account nonetheless because my transaction is simply earning rewards points. To date, my rewards point count was XXXX, although they advertised that I could get XXXX points ( worth {$750.00} ) after spending {$4500.00} in 90 days. From what XXXX said, my understanding is, US Bank advertised their card as a " high rewarding card '', but once you use it to earn rewards, your account would be closed by them because they do n't want you to earn the rewards. To me, this is typical " Bait-and-Switch '', and is cheating customers into applying ( and resulting in a hard inquiry and huge negative impact to the credit report because of both the inquiry and short lifetime of the card itself ), and then only keeping those accounts that they do n't need to pay rewards expense. I also used the card to reserve several hotel nights, which would resulted in inconvenience. I can not believe US Bank is doing such cheap thing. And the agent XXXX even said " go ahead and file a complaint if you want '', sound like they do n't care at all.

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 2017-06-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC
State: OH

Complaint narrative:
On  XXXX / XXXX / 17  there was a balloon payment due on the mortgage. They never sent a statement telling what the balloon payment amount was. They refused the electronic payment from my bank on  XXXX / XXXX / 2017  but kept sending m bills.They had  XXXX  dollars of my money as unapplied cash. I have called them multiple times and they keep saying they have made a mistake but they never fix anything, They finally told me to pay the difference from the statement balance minus the  XXXX  dollars in unapplied cash to payoff the loan. I sent a cashiers check for {$2300.00}. That completes the balance of {$5300.00}. When I checked my account on line they have posted that payment as unapplied cash. They are sending me letters about late charges and threats against my credit and property. No matter how many times I call nothing gets resolved. I do not know what else to do. I do not want them taking my home because of their errors.     The company is NationStar Mortgage,  XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX , CA,  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-12 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
I have been a customer with Care Credit for approximately 10 years. From da y 1,  I had  XXXX  cards. I have never missed a payment on either card and used both cards regularly. I also have a stellar credit history with no negative information and am using about 10 % of my available credit. So much to my surprise on Friday  (   XXXX / XXXX / 17   ),  I get a letter that they closed my account with no notice because I had  XXXX  cards and that it had nothing to do with my credit. As stated earlier I 've had  XXXX  cards for 10 years and have asked them on numerous occasions to combine the lines into  XXXX  card. To make matters worse they closed the card with the higher limit and the lower interest rate. They say that the account disclosures say they can close my account because I have more than  XXXX  account. I say by not taking that action in a reasonable amount of time they waived their right to do so now. Secondly, t he manager I got  on the phone said that the reason they chose to close my account was because they no longer wanted to honor the interest rate, which I do not believe is a permissibly purpose which is why they are trying to hide behind the  XXXX  card clause. Th e manager did say that he would escalate my complaint to the corporate office and I should hear from them within 48 hours. In my opinion, this could have been handled much better and to the satisfaction of both parties but their dis regard for my consumer protections has caused me damages.

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 2017-06-12 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AMERICAN HONDA FINANCE CORP
State: PA

Complaint narrative:
I requested verification of a debt owed to  American Honda Finance  via the  XXXX   XXXX   XXXX  and received papers that have been fraudulently signed by someone other than myself and  one  of the signatures does n't even have the correct spelling of my name. The only accurate signature shows the account has been fully paid. All others are fraudulently signed. Someone has also added fake references to this application. I have no knowledge or connection with any of the references listed. Additionally account history as of  XXXX  shows a total due of {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AR

Complaint narrative:
I have tried calling the company to get this resolved but have been unsuccessful. I went to get a loan and this credit card that I have no knowledge of was on my report as a negative issue subsequently I was denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
Paid off my  America  eagle and   XXXX   XXXX   XXXX   XXXX   credit cards over  three  yrs, and it still showing up in my credit report.also someone is trying to get credit with my name

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 2017-06-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
I began the process of repaying my student loans inXX/XX/XXXX. I made an error and missed my first repayment date by three days, so when I payed the loan amount, {$370.00}, I was charged for both the month of XXXX and XXXX. Making the two payments allowed me to get caught up and have some time to save for the payment that would be due on XX/XX/XXXX. In order to make sure I did not miss the date again I enrolled in the Autopay feature so when there is a balance on my account, the {$370.00} would be taken on the due date, the XXXX of every month. I logged onto my account today, XX/XX/XXXX, to make sure that everything was going smoothly since my next due date is coming up in three days. To my surprise I saw that my account had been charged for the XXXX payment, which was two months worth, totaling {$750.00}, again for the XXXX payment, {$370.00}, and again for the XXXX payment. All of this time my total balance due on the XXXX of every month has been {$0.00}, and yet money is still being taken out. When I noticed this I called Navient to discuss what to do since I am still being charged and I am a month ahead. I wanted to have the balance even out so I would have that one month of recovery period to get money back into the bank. I was put on hold and then told I could be helped if I agree to the terms and conditions, I did not think about it until I heard that I would be put on a forbearance because I was not able to pay. This is crazy! I am able to pay, I already did pay, and now they want to charge me interest and say I am not able to pay to make up for their billing system errors.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-12 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
Company stated that they could not really help me close the account. I do not want to do business with capi tal One  anymore. I want the bank to close my sharebuilder account per my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
* My complaint is with XXXX XXXX XXXX for filing a negative post to my credit report and never letting me know that they had purchased this dispute. I have filed a dispute with Experian on XX/XX/XXXX. Complaint about negative posting on Experian Credit report from XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, MI XXXX. Phone XXXX. See copy of credit report below. This negative posting was opened XX/XX/XXXX according to the information of the credit report with a Balance of {$220.00} on XX/XX/XXXX. The credit report notes that this is On record until XX/XX/XXXX I  received no prior notice via US mail or phone call or voice mail from XXXX XXXX XXXX before this was placed on my credit report. This dispute started in XX/XX/XXXX due to incorrect medical insurance coding on the part of XXXX XXXX XXXX XXXX XXXX my insurance provider at the time. I was advised me not pay any invoices until the coding was corrected. The next billing statement from XXXX was in XX/XX/XXXX and still incorrect. See copy of letter dated XX/XX/XXXX. The XX/XX/XXXX bill was still incorrect and I called XXXX and XXXX billing on XX/XX/XXXX. See copy of invoice and notes of call. XXXX told me I did not owe anything on this account with XXXX and that their insurance coding was still incorrect.

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 2017-06-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
* My complaint is with XXXX XXXX XXXX for filing a negative post to my credit report and never letting me know that they had purchased this dispute. I have filed a dispute with XXXX on XX/XX/XXXX. Complaint about negative posting on XXXX Credit report from XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, MI XXXX. Phone XXXX. See copy of credit report below. This negative posting was opened XXXX according to the information of the credit report with a Balance of {$220.00} on XX/XX/XXXX. The credit report notes that this is On record until XX/XX/XXXX I received no prior notice via US mail or phone call or voice mail from XXXX XXXX XXXX before this was placed on my credit report. This dispute started in XX/XX/XXXX due to incorrect medical insurance coding on the part of XXXX XXXX XXXX XXXX XXXX my insurance provider at the time. I was advised me not pay any invoices until the coding was corrected. The next billing statement from XXXX was in XX/XX/XXXX and still incorrect. See copy of letter dated XX/XX/XXXX. The XX/XX/XXXX bill was still incorrect and I called XXXX and XXXX billing on XX/XX/XXXX. See copy of invoice and notes of call. XXXX told me I did not owe anything on this account with XXXX and that their insurance coding was still incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Halsted Financial Services, LLC.
State: CA

Complaint narrative:
Halsted Financial Services, LLC ( T : XXXX ) has been calling me for approximately one month while claiming that I owe them funds on an account, however, as I have explained to them, I was was the victim of the XXXX XXXX XXXX XXXX Data Breach and this account was not mine. To wit, they have not respected this fact even though I have explained it to them. I heretofore request th
at Halsted Financial Services, LLC to CEASE and DESIST all collections activities ( phone calls ) forevermore. Signed, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
TransUnion XXXX. XXXX XXXX XXXX, PA XXXX refuses to send my credit report and crdit score for a loan with XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, CA XXXX concerning a loan application.

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 2017-06-12 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC.
State: DC

Complaint narrative:
At the end of  XXXX   2017 , I applied to have my cosigners released. I submitted a complete package on  XXXX   XXXX ,  2017 . I spoke to the customer service department on  XXXX   XXXX ,  2017  ( a  XXXX  with the id code of  XXXX  ). I was told by  XXXX  that the notes on my file indicated that on  XXXX   XXXX ,  2017  my complete cosigner release package was under review. I was told I would have an answer  in 10 business days. I have not received an answer. I tried calling Navient today, and I was placed on hold for 15 minutes without anyone providing an answer on the status of my cosigner release application.

Company response to consumer: Closed with explanation