vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-03-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Settlement process and costs — 
Company: Selene Finance LP

Complaint narrative:
Back in XXXX my home was burglarized and caught fire. We lost everything that was in the home except for the clothing that we took on an overnight trip with us out of town. We was put up in a hotel for almost 2 mths and during that time we was only given {$2500.00} from our insurance company until they finished there investigation ( which took 6mths ). During that time our funding was limited therefore we had to use some those advance funds from the insurance company to purchase clothing, appliances, personal items, Rx medications, formula, bottles, XXXX, an apartment, school books and etc. During this time Selene expected us to continue to pay on a structure that was NON-habitable. We were not able to pay on that structure, repurchase items that were lost and for new housing. So our insurance company sent a letter to Selene Finance and they accepted the settlement amount from the insurance company for {$83000.00} in which they cashed and they signed and agreed. However we were still receiving statements and the mortgage was being reported late for years after that settlement was accepted. Not only that but once we were able to get a home through a XXXX, the monies for the land value depreciation of {$31000.00} in which they would not release there name from off of it after they cashed the settlement checks about 2 yrs earlier and we ended up having to turn it over to them. Now they still reported our home as a foreclosure. We did the DIL in which they stated that the Loan has been XXXX out however they are still stating that we owe them. We do not know what we owe them additionally to this date and why? We do not understand why they took the {$31.00} check when it was not there 's after they agreed upon the settlement check. We do not know why they still reported it and caused the credit ratings to be in shambles for years. Since we were n't able to abide by the agreement upon the XXXX the home we moved in was sold because of the funds from the {$31000.00} check was no longer available. Now we are trying to move forward with purchasing a home and we have requested that they provide us with ALL documentation regarding the XXXX documents that we signed and they signed and agreed upon and they have been very rude about providing it. We have emailed them several times, we have called several times. We keep receiving the same correspondents but nothing else. Can you please assist because I am ready to move forward legally because they have stolen from me, ruined my credit for years, and now presently hindering me from purchasing a new home for my family in which I have lost earnest money because they have failed to supply me with the documentation that I needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-22 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: POPULAR BANK
State: NY

Complaint narrative:
Popular Community Bank 's mobile application lists completely surcharge free atms on a map around you. I went to a listed surcharge free atm and was charged an atm fee and a bank fee. When I called Popular Community Bank customer support they said the atm was no longer in their network. Upon further questioning I was told the atm list has n't been updated since XXXX ( 7 days ). They said they 'd only give me a credit for the bank fee and not the atm fee because their system was wrong but it makes me wonder how many other consumers got stiffed with bank fees when unknowingly using atms that had not been removed from the app. I was not able to find out how often this happens. In their 2015 annual report to investors, Popular Community Bank claimed to serve XXXX clients with access to more than XXXX atms. If Popular was incorrectly charging bank fees for XXXX out of the XXXX atms in my community, then how many other communities and clients were affected and how much money in bank fees does Popular make during the time when their atm list is " outdated ''?

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 2015-10-02 00:00:00
Product: Mortgage — Other mortgage
Issue: Credit decision / Underwriting — 
Company: Brightfunders, LLC
State: NC

Complaint narrative:
Homeside Financial LLC called husband on XX/XX/XXXX concerning a re-fi.. they talked and I specifically heard my husband telling them he did n't want a Hard credit pull on credit reports. 
I did n't talk to them at all and yet awoke this morning to an XXXX alert of a new inquiry that I never consented to, info from report is as follows : XXXX Address : XXXX MD XXXX ( XXXX ) XXXX : Real Estate on behalf of XXXX XXXX XXXX. This inquiry is scheduled to continue on record until XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-12-09 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: Mirabella Investments Group, LLC
State: CA

Complaint narrative:
XXXX XXXX, XXXX a Corporate Assignment was executed and my Second Lien Mortgage was transferred to Mirabella Investments Group, LLC, and payment statements were never sent. XXXX XXXX, XXXX, I received a " Borrower Welcome Letter '' stating, " Welcome to XXXX XXXX XXXX , XXXX ( " XXXX '' ) loan servicing! XXXX is your Servicing Agent and is servicing your Mortgage Loan on behalf of our Lender/Creditor, Mirabella Investments Group, LLC ( the " Creditor '' ). XXXX XXXX, XXXX, Mirabella Investments Group, LLC transferred the servicing of my loan to XXXX XXXX XXXX , XXXX ( XXXX ). While XXXX and I were in the process of a Loan Modification, I filed for Bankruptcy to postpone the foreclosure sale, my attorney missed the hearing and my case was dismissed ; Mirabella Investments Group, LLC quickly foreclosed on my home without notifying me or XXXX. XXXX XXXX, XXXX was my last Loan Modification Package submitted with new information. XXXX XXXX, XXXX, I was told to referred to the denial letters of XXXX/XXXX/XXXX and XXXX/XXXX/XXXX. I was informed by my First Lien Mortgage Loan Servicer, XXXX XXXX XXXX, XXXX 's employee of the Office of the Consumer Ombudsman that my home could not be sold to a third party unless the First Lien Mortgage is paid in full. On the contrary, my home was sold to a third party, and I continue to pay my First Lien Mortgage ( HAMP ). Mirabella sold my property for {$160000.00}, but my property is valued at {$1.00} XXXX. The First Lien is still my Debt, which I am still responsible for.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-26 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: AMERINATIONAL COMMUNITY SERVICES, INC.
State: AL

Complaint narrative:
My tax assessor sent an incorrect tax bill to my mortgage company in 2016. The mortgage company, AmeriNat, then paid the incorrect amount. When I called to explain the issue, the mortgage company insisted that it was my responsibility to get the accurate bill which I did. The tax collector told me that a refund was issued to my mortgage company on XXXX/XXXX/16. My mortgage company then increased my mortgage payment to compensate for the mistake payment despite the fact that I provided them with the accurate bill. They then told me that it was my responsibility, not the tax collector 's responsibility, to make sure that the refund was received. I was even able to give them a check number and the date the check was sent to the third party vendor that accepts their payments but they refused to acknowledge it because they said they never received the payment. So basically I 'm stuck with a mortgage payment that is {$1600.00} more than it should be because Amerinat refuses to investigate the situation and take the appropriate action. They are comfortable to hold me financially hostage. Plus, there toll-free number does n't even work, making it extremely difficult to even discuss the situation with them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-28 00:00:00
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: DISCOVER BANK
State: WI

Complaint narrative:
On XXXX/XXXX/2016 I reached out to the Discover personal loan origination department with questions on whether it made sense to refinance my existing Discover personal loan or not. After a short conversation we came to the conclusion that it did in fact make sense to refinance the loan as the interest rate could be lower as well as we would shorten the term. 
After obtaining my permission to pull my credit and getting my income information the representative informed me that we would not be able to go forward with the loan because Discover does not lend more than {$31000.00} to any one individual. I would have been alright with this answer if they had informed up front that they do not loan out more than {$31000.00} for any one person but they did not. Also, the loan application was for {$17000.00}, the exact amount of the existing loan. The term refinance does not mean doubling the amount of what you trying to obtain, it means you are financing something again at a lower rate or different term. 
At this point I requested a manager. As soon as the manager came on the line I could tell he was not taking the situation as serious as he should have. He reaffirmed what the representative had stated and said that he would not be able to remove the credit inquiry. The only thing that I was upset about was the credit inquiry, I understand that lenders have limits on what they are willing to lend to any one person. In this circumstance the loan application should have never gotten to the point where credit was pulled. All of their employees and the system they use should recognize what application limitations are so that they do not negatively affect their customer 's credit scores with unnecessary credit inquiries. 
I also called back a few more times to try and escalate the situation but this came with no positive results. Every manager that I spoke with did not seem to understand the severity of unnecessarily pulling a consumers credit for loans that they disclose as not even possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-11-26 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Weber & Olcese, PLC
State: FL

Complaint narrative:
I was not given any notice prior to Webber Oclese seizing {$1800.00} from my bank account on XXXX. They admitted to not having my contact info?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-07 00:00:00
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: DISCOVER BANK
State: TX

Complaint narrative:
I have been a DISCOVER IT card holder for over a year now -when I applied after repeatedly getting solicitation from them to do so because I had a good credit score - I was issued a card with a limit of XXXX.at the time my score was XXXX. recently I received notification that they did a review of my credit report thru XXXX and made a decision to lower my credit limit to XXXX? right now my balance is approx. XXXX so I would be at my limit and that will effect my credit history, because it will show that I am almost at my limit. how can they just take back a credit limit? I tried to call to discuss and they gave me a number to call that no one answers and also they thanked me for being a valued customer for 8 years? this puzzled me because I have only been a customer for little over a year -my trust has been violated - and they are going to ruin my credit rating - because if it shows that I am utilizing my limit to the max that will lower my score someone needs to investigate this practice - I did not ask for a increase so if they did a review then they should have just left the limit as it was -they offered me the credit card - and they gave me a limit of XXXX and until I ask for a increase there was no reason to change anything between us - I am credit worthy conscious and have a good credit rating - I fear their act will lower my credit rating - I ran my report it says that I am utilizing over XXXX % of my credit cards and that has an effect on my score - with this act on DISCOVERS part to decrease my credit limit that utilization is going to go up more -therefore effecting my credit rating - I can provide a copy of my credit file showing that I in 12years have never ever been delinquent on any of my credit cards or loans - and I feel they did not have any call to review anything about me - they had already issued the card and gave me a limit - and until I ask them for an increase there was no need to pull a credit file and change our agreement and to me the agreement was DISCOVER GAVE ME A CARD WITH A LIMIT OF XXXX and that is what I expected and agreed to - I attached a few of the documents that I have been researching I think it is interesting that these be read by them instead of DISCOVER IT - THIS IS DISCOVER FULL OF IT

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-30 00:00:00
Product: Credit card — 
Issue: Payoff process — 
Company: DISCOVER BANK
State: NY

Complaint narrative:
I had a 0 % interest rate on a Discover Card, which expired on XXXX/XXXX/16. There is an existing 0 % rate, which expires on XXXX The card has never been used for purchases since I obtained these rates ; thus the only balances on the card are the expired rate, currently in the amount of {$7100.00} at 15.24 % and {$3600.00} at the 0 % rate. I have consistently paid well above the minimum payment due ; yet, the amount over the minimum rate has not been applied to the interest-bearing balance, most of which has been applied to the 0 % rate. 

Consequently, my 0 % balance has gone down, while the interest-bearing principal has remained at roughly the same amount or increased. This is contrary to similar situations on other cards ( XXXX XXXX, XXXX ) in which the interest-bearing amounts have gone down consistently, along, with the 0 % rates. I have consistently called Discover to inquire about this and have been told that interest is accruing on a daily basis and that the interest-bearing principal is consistently increasing. Again, I never use cards which have promotional rates for purchases and my interest-bearing principal on other cards with expired rates has shown marked decreases ( even those with higher interest rates ). 

My understanding is that anything paid above and beyond the 0 % rate is applied to the interest-bearing amount. Again, my other cards with expired rates show marked decreases in interest-bearing amounts, while Discover Card apparently applies a different protocol. I would appreciate having the CFPB look into this matter so that I can determine if I am mistaken or if DiscoverCard has found a way to keep the interest-bearing principal as high as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-12 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: AmeriCollect
State: SC

Complaint narrative:
I contacted this company on numerous occasions asking them to validate the debts to which they have reported on my credit profile. However, I never received a response form the company. I went online and disputed the same accounts through the credit bureau to which they replied the accounts were mine. I will ask one last time for a debt validation on these fraud accounts. I am asking for a copy of the contract which contractually binds me to these debts. There are XXXX accounts beginning with the number XXXX which are reporting. I will not hesitate to contact a consumer attorney if these accounts are not deleted. I have been denied credit on XXXX occasions because of their unethical tactics to get me to pay a debt I do n't owe. I know that my rights have been violated. Please govern yourselves accordingly.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-26 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc.
State: MI

Complaint narrative:
I can not reach a live customer service rep. when I call Seterus at XXXX so I am asking for your help. My mortgage servicer, Seterus, has been collecting my ARM Loan for many years. The interest rate typically changes every XXXX or XXXX according to the LIBOR rate and Seterus, notifies me in writing every XXXX if there is a change in my XXXX and subsequent payment amounts. Going back, my monthly payment as of XXXX XXXX was {$580.00}. My monthly payment temporarily changed earlier than the normal XXXX of each year to {$590.00} for XXXX, XXXX & XXXX XXXX. No explanation was given for the higher payments in XXXX, XXXX & XXXX. That had never happened before in the 12 years I have been paying my mortgage. Then as expected in XXXX XXXX it changed to {$580.00} according to the LIBOR Rate at that time. My monthly payment has stayed {$580.00} up until the present time as I have not received any notice from Seterus that my payment went up or down in XXXX XXXX. I assumed the LIBOR rates had not changed so my payment would logically stay the same. The last payment I sent early to Seterus of {$580.00} was for XXXX XXXX. The automated voicemail system at Seterus confirms they received the XXXX XXXX payment of {$580.00} on XXXX XXXX, XXXX. Since my Chapter XXXX Bankruptcy was discharged a few years ago, Seterus never sends me monthly statements any longer. But now I have received an Account Statement letter from Seterus saying I owe them {$1200.00} by XXXX XXXX, XXXX. The statement says my Monthly payment is now {$600.00} and under a heading titled Activity Since Last Statement, they are charging me a late fee as of XXXX XXXX, XXXX of {$21.00} implying I did not make the XXXX XXXX payment. First of all, I do n't get statements from Seterus and secondly, I am not late on my XXXX XXXX mortgage payment. They received the {$580.00} earlier on XXXX/XXXX/XXXX. Plus they list {$87.00} as Other Charges in the total of {$1200.00} they say I owe them. It is not my intention not to pay my mortgage. But if I send them {$1200.00} then Seterus is collecting twice for XXXX XXXX as they already accepted {$580.00} on XXXX/XXXX/XXXX for my XXXX XXXX payment. I can see them saying I owe them XXXX if that is what my monthly payment went up to back in XXXX XXXX. I just wish they had notified me of the change. So I am going to send them {$600.00} and a letter of explanation of why I believe their Account Statement Billing is in error. But I also think I need your help as a go between. Thank you very much.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-06-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Dovenmuehle Mortgage, Inc.
State: NC

Complaint narrative:
My client needed to request a loan modification after the death of her husband. We called the servicer together to get the appropriate package and submission instructions. 
XX/XX/<YYYY>Package was submitted via emailXX/XX/2015, a follow up email sent with copy of package attachedXX/XX/2015-Phoned servicer-Rep stated they had no TPA-NOTE TPA is Page XXXX of PackageXX/XX/2015-Emailed package a XXXX timeXX/XX/2015-Servicer still states no TPA-Pulled TPA, scanned individually and emailedTo date, no acknowledgement of TPA from servicer. They do however keep sending my client information telling her to contact a HUD approved counseling agency ... ( Which I work for!! ) Client states that she is not able to speak with a rep at servicer either.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-21 00:00:00
Product: Credit card — 
Issue: Other — 
Company: DISCOVER BANK
State: MI

Complaint narrative:
This complaint involves XXXX companies that each claim innocence. They each tell me to talk to the other company and none offer any method to resolve the issue The companies are Discover Financial services, XXXX and XXXX XXXX XXXX XXXX XXXX. Specifically ; Discover Financial Provides me My XXXX score and an explanation for any change as follows ; Your XXXX Credit Score is based on your XXXX credit report using the XXXX Score XXXX. 

The " problem '' is that that after months of having a XXXX score at or near XXXX, my XXXX score dropped to XXXX as reported by Discover Financial Sevices. The Credit Card offers a free XXXX score updated monthly. Discover, shows the reason for this decrease is : " 1. PROPORTION OF LOAN BALANCES TO LOAN AMOUNTS IS TOO HIGH The balances of your non-mortgage installment loans ( such as auto or student loans ) are high compared to your original loan amounts. As you pay down your loan your balance decreases, which reduces the proportion. '' The key to the above statement is " NON-MORTGAGE installment loans ''. are HIGH. 
In reality, the only financial activity that I was involved in was a refinancing of my HOME Mortgage. In fact, the action was to refinance an existing balance at a reduced interest rate with no cash out. Bottom line is that there was no change in outstanding debt, the only change was a debt that is now 100 % of the " new '' mortgage balance as compared to, approximately 75 % of the " old '' mortgage original loan. REMEMBER ... the debt amount is exactly the same! Also remember that this is MORTGAGE debt ... Not the " non-mortgage debt '' as referenced in the Discover Card explanation for change ( decrease in score ). 
Upon discussion with Discover, they directed me to XXXX, who can not /will not explain the change and they blame XXXX as they are the company who determines the score.When I discuss the problem with XXXX they in turn blame XXXX who provides the data for the XXXX score determination. 
So as a consumer, I am directed into a XXXX way loop of blame, Discover blames XXXX who blames XXXX XXXX ... who blames XXXX. I have experienced a significant change in my XXXX score that is unwarranted. The fact is, that by refinancing at a lower rate, I have lowered my monthly payment, which in fact ( common sense ) should improve my credit score. There is a significant problem in either XXXX '' s classification of Debt type or in XXXX formula for XXXX score determination. This case shows that consumers who refinance could and some cases will experience a significant decrease in their FICO score, which in turn can have a significant negative impact on future borrowing costs

Company response to consumer: Closed with explanation