vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-08-15 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: IL

Complaint narrative:
I went online today X/XX/17 to review my loans and saw that my loans were in forbearance. My new income driven repayment was going to be going through, however no message was in my online inbox on the myfedloan.org website ( the letter came in after my forbearance had been applied ). I called and found out that despite my autopay and on-time payments my account had been put in to delinquency  forbearance and my interest had been capitalized. The agent did not understand how this happened, which is concerning, and reversed it. However, I am still yet to get any documentation about this interaction. I was not informed that the forbearance would be delinquency. It seems predatory to put me in delinquency while they arrange the administrative logistics of the IDR. I fear that had I not randomly checked the website my credit would be damaged and my interest would be capitalized.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-15 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Universal Recovery Corporation
State: CA

Complaint narrative:
About a month ago I received a bill from XXXX XXXX XXXX, stating they had forgotten to charge me {$45.00} for my daughter 's XXXX. I sent out a check for {$45.00}, which XXXX XXXX XXXX cashed on the XXXX of XXXX, 2017. XXXX XXXX XXXX then fraudulently reported me to Universal Recovery Corporation. I took a copy of my cancelled check into XXXX XXXX XXXX along with my collections notice, and they told me it was a mistake on their part, and they were working to correct it. While at XXXX XXXX XXXX, I called Universal Recovery Corporation to confirm this. They said they recived no information from XXXX XXXX XXXX clearing the fraudulent claim. I then requested to speak to a supervisor. The supervisor " XXXX '' got on the line and was instantly combative with me. She tried to antagonize me into a verbal fight, and when that was n't working she hung up on me. I had n't screamed at her, I had n't cursed at her, and I had n't threatened her. I called back to try and resolve the situation, she again was combative, and tried to instigate a verbal fight. She then lied to me, and said her company had only called me once. They have called me 3-4 times. She also said if I continue to call her she was going to call the police on me. Again I was n't screaming, cursing, or threatening her. Now I do n't know what to do. I did nothing wrong, and was fraudulently turned into collections by XXXX XXXX XXXX on XXXX/XXXX/XXXX. Now on XXXX/XXXX/XXXX the collection company, Universal Recovery Corporation told me if I contact them again they will call the police on me. I have always paid my bills on time, and have no idea what the next step for me to take is. Even if I wanted to pay the {$45.00} debt, I do n't owe, I ca n't contact Universal Recovery Corporation, or they will report me to the police, as supervisor XXXX stated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP
State: MN

Complaint narrative:
I was a victim of a Fraud/Scam attack. I was contacted by a company called XXXX XXXX. They claimed to be able to offer me a loan, and asked me to do some questionable things, resulting in me losing {$990.00}. My bank is unwilling to refund my monies to me. I am a single mother, with one income. I am in need of this money to pay for rent, groceries, fuel to get to work, diapers, and daycare. People make mistakes. I have learned a valuable lesson from this, but for such a large corporation, the bank should be more than able to recompense my funds to me. I have spoken to a banker in a branch, sent an email to the corporate office, and also filed a claim with the fraud department, and repeatedly been told I am out of luck. I am disgusted with the lack of concern over the loss of my monies. I understand I made a mistake putting my financial information out, but considering the magnitude of this company, I do n't see any reason why my stolen funds should be reimbursed to my account. I have filed a police report, contacted the FTC, the MN Department of Commerce and the FBI on this matter also. I feel unappreciated, tossed aside and poorly treated as a financial consumer who was taken advantage of. After following all of these channels, the bank is still unwilling to reimburse the money.

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 2017-08-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC
State: CO

Complaint narrative:
Quicken Loans on multiple occasions mislead me about total closing costs. On XX/XX/XXXX i was contacted by a rep insisting my closing costs would be {$2600.00}, but would only send me paperwork listing it at over {$4000.00}. Without any explanation as to where the {$1400.00} disappeared to.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-15 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: BROKER SOLUTIONS, INC.
State: CA

Complaint narrative:
I called and spoke with a representative about the promotion, asked to not have my credit pulled and was told there would be no hard pull on my credit, and indeed they did pull my credit, without authorization. Called the company directly to dispute and they said that I gave verbal authorization, I asked for proof of agreement and they had none, yet they refused to remove the hard inquiry.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-15 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO.
State: MN

Complaint narrative:
Loan : XXXX Address : XXXX XXXX XXXX XXXX XXXX, MN XXXX To whom it may concern. This is a qualified written request to Chase Mortgage. I have been attempting to work with Chase since XX/XX/XXXX to get assistance in regards to my loan : XXXX Background : This was originally an interest only loan originated through XXXX in XXXX. On XXXX, the loan went adjustable with both principle and interest payments. This rate will adjust every XXXX going forward until the loan is paid off. I have attempted to contact Chase to refinance the loan. However, I was advised as 1 ) I am underwater and 2 ) it is not my primary, they do not have options. There is a second mortgage on this property that is serviced by XXXX. In addition, this is a rental property that the tenants have been paying me on average {$120.00} to {$220.00} less than the expected rent each month and this is an additional hardship. I had missed a mortgage payment on this loan in XX/XX/XXXX and Chase provided me an assistance package. As this adjustment will be a hardship going forward due to the uncertainty of what rates will be, and the delinquent tenants, I requested assistance options. I advised Chase that this can be either liquidation or retention options. On XX/XX/XXXX, I faxed 55 pages that were delivered to Chase Mortgage. I had been assigned numerous different Relationship Managers ; however, the one that is assigned to me now and has their name on the letters I receive is XXXX XXXX. The Broker Price Opinion inspection was completed on XX/XX/XXXX. I have been attempting to connect with XXXX XXXX unsuccessfully since XX/XX/XXXX. I have left voicemails and sent faxes ( attached with confirmation ) requesting status update, on the dates of XX/XX/XXXX, XX/XX/XXXX ( voicemail only ), XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. He does not respond and if he is attempting, does not leave voicemails. On XX/XX/XXXX, I received a letter from XXXX XXXX advising additional information was needed to complete my review. I attempted to contact him, and as he was unavailable, I was able to speak to his co-worker XXXX XXXX on XX/XX/XXXXand provide the needed information. On XX/XX/XXXX, I spoke to another of XXXX coworker named XXXX who stated that the review was with the underwriter and that no additional information is needed. I sent a follow up fax on XX/XX/XXXX, stating that this is a qualified written request. I have not received any response via telephone or notification to that last outreach. Request to CFPB : Please assist in resolving this qualified written request for mortgage assistance with liquidation or retention options in a faster manner with requested updates being provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC
State: RI

Complaint narrative:
In XXXX of 2016, Nationstar changed my monthly mortgage amount. Because I was traveling, my bank recurring payment was sent out in the usual amount which was about {$170.00} short of the new amount. Nationstar proceeded to credit my XXXX payment to principal rather than my monthly payment. They recorded my payment as never made for that month. As soon as I realized the error, I called Nationstar Customer Support. I followed up numerous time in XXXX, XXXX and XXXX of 2016 to rectify the situation. Each time I was assured that it was their error in applying it to principal and that they were processing the paperwork to fix it. They then gave me the amount that I needed to pay to resolve everything : {$3600.00} and that was paid on XX/XX/16. Since then, I have called many times, and the payment that they misapplied to principal has never been rectified. Support Reps admit that it was their error and promise the resolve it, but they never do. Because of this error in applying it to principal, they have now charged me over {$1000.00} in late fees. In recent months, I have asked to speak with Managers ; they assure me that they will call me back the next day with a resolution, they never call back. They give me their phone numbers and names to call ( XXXX XXXX ) and no one picks up. It has now been almost a year since the problem began and I have no resolution despite every person I speak to admitting that it was a Nationstar error. I have bank records to show that I have NEVER missed a mortgage payment in more than 10 years. In researching this online, I have found that Nationstar has MANY complaints in various states from other consumers like me where they misapply payments, then put the customer 's home into foreclosure. I have tried for almost a year to resolve this with them to no avail. I need help.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Since XX/XX/XXXX Bank of America has charged me in excess of {$2000.00} in NSF fees. Just in a 4 week period, I was charged over {$700.00}. The {$35.00} fees were charged even when payments were returned as well as when they were paid. My paycheck for {$2100.00} direct deposited today is nearly gone with most of it being swallowed up to these fees which in actuality amount the most usurious lending practices outside of the mafia. The APR for what I was " loaned '' is well over 1000 %. The average transaction in question was at or less than {$35.00}. I called B of A and let them know that after my divorce I am enrolled in an MBA program and am close to getting a second job. Bank of America in XX/XX/XXXX charged me in excess of {$2000.00} as well. Is this being listed accurately in item # 1 of Bank of America 's 10K? I do n't think so. In fact, I am certain after reading numerous reviews from other victims in my situation that they do this with impunity - they have the lobbyists and we do n't. I am not taking a political stand, I am simply pointing out that even though they had a judgement against them for {>= $1,000,000} in regards to the very same thing - they still operate as 'business as usual '' - this is wrong, predatory and illegal in any other sense. I suppose because of vocabulary terms they are able to hit people for very stiff " vig. ''

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 2017-08-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
I have disputed with all three credit bureaus about the original creditor, XXXX XXXX, inaccurately reporting on my credit report. The results always came back verified, never with an explanation from the credit bureaus. I decided to dispute directly with the creditor and I was unable to get a response. I sent a dispute letter to the address listed on my credit reports for the original creditor. The mail was sent back to me as " not deliverable, unable to forward to address ''. If this is the case that means the credit bureaus never investigated my dispute which means there is nothing they could have verified. I do not think it is fair that the credit bureaus are allowed to continue reporting this inaccurate information. It is their jobs to make sure information is reporting 100 % accurately and anything inaccurately reporting must be removed. I am requesting this inaccurate account is removed from all three of my credit reports Transunion, XXXX and XXXX immediately! I would also like a letter and updated copy of my credit report once this has been completed.

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 2017-08-15 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: WI

Complaint narrative:
I have disputed with all three credit bureaus about the original creditor, XXXX XXXX, inaccurately reporting on my credit report. The results always came back verified, never with an explanation from the credit bureaus. I decided to dispute directly with the creditor and I was unable to get a response. I sent a dispute letter to the address listed on my credit reports for the original creditor. The mail was sent back to me as " not deliverable, unable to forward to address ''. If this is the case that means the credit bureaus never investigated my dispute which means there is nothing they could have verified. I do not think it is fair that the credit bureaus are allowed to continue reporting this inaccurate information. It is their jobs to make sure information is reporting 100 % accurately and anything inaccurately reporting must be removed. I am requesting this inaccurate account is removed from all three of my credit reports XXXX, Equifax and XXXX immediately! I would also like a letter and updated copy of my credit report once this has been completed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-15 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LD Holdings Group, LLC
State: NV

Complaint narrative:
Applied for a VA refinance loan with LOAN DEPOT in early XX/XX/XXXX. Caught them in numerous lies, bail and switch tactics and potentially fraud. Paid for an appraisal of our property on XX/XX/XXXX. Appraiser was here on Saturday, XX/XX/XXXX and was completed. He then sent the appraisal to the VA offices located in XXXX, AZ within three days of completion. After catching LOAN DEPOT in yet two more out and out lies, we started paperwork with another lender, yet did not cancel our loan process with them. They sent an email saying they were cancelling our loan application because of 'uncommitted borrower ' on XX/XX/XXXX, AFTER the  appraisal had already been sent to the VA office. After a week, several phone calls, repeated emails and attempts from our new lender, LOAN DEPOT, has refused to release the appraisal ( that we paid for and own ), to the new lender, even with a signed letter from us stating that we are requesting the appraisal be transferred to our new lender. From what I understand researching the law, they are in violation of several laws and are getting away with it. LOAN DEPOT responded today, XX/XX/XXXX to the underwriter representing of our new lender ; that we never had an appraisal done, although the VA gave us the case number associated with the finalized appraisal and that they would be refunding our money. By doing that, not only are they lying AGAIN, but  they are breaking the law and now drawing out the process with our new lender. This is by no means the only issue we 've had with Loan Depot throughout this process, it is just one of NINE 'issues ' that potentially encompass fraud charges which I will be researching the possibility of pursuing and checking for any class action lawsuits, which I 'm sure there are many. Somebody needs to do something to stop them from defrauding the public out of hard earned money from hard working Americans. It is not fair and one can only hope justice will eventually be done. DO NOT call this company to get a loan or refinance. DO NOT do business with them. I categorize this company as schisters, scam artists and rip-off con men and want to know how they get away with it! Find a reputable lender in your area ; sit face-to-face, check, double check and triple check each and every item, line and document.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-15 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I am the executor of my later mother 's estate. My mother XXXX XXXX  on XXXX XXXX, 2017. My mother had numerous accounts with Bank of America, all of which are payable to named beneficiaries at her XXXX. I notified Bank of America of her XXXX in XXXX 2017 when I personally met with a bank employee named XXXX at the XXXX, IL branch office. XXXX telephoned the bank 's " XXXX XXXX XXXX ''  while I sat at her desk. She was told the bank would mail out a claim packet for me to complete and distribute to my mother 's other beneficiaries. I had a certified copy of my mother 's XXXX certificate in my possession at the time. XXXX informed me the bank did not need a copy of the XXXX certificate as they had been notified by the Social Security Administration of  my mom 's XXXX. A XXXX claim packet never arrived so I again visited the XXXX, IL branch and met with the branch manager, XXXX XXXX. XXXX XXXX contacted the " estate unit '' and was told that I had previously been given bad information and that the bank did need a copy of the XXXX  certificate. A few days later, I personally delivered the XXXX certificate to XXXX XXXX. That was sometime in early XXXX. When several weeks passed without receiving anything in the mail from the bank, I began to communicate with XXXX XXXX via email. Emails were sent to XXXX XXXX on XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX. I also had telephone conversations with XXXX XXXX on XXXX, XXXX, and XXXX. Even though the bank had been informed of my mother 's XXXX in XXXX 2017, they renewed a 24 month CD in her name on XX/XX/17. Until XXXX, I had received nothing from Bank of America, not even an acknowledgement of my mother 's XXXX offering condolences. On XXXX I finally received the claim paperwork from the bank. The paperwork was completed, notarized, and dropped off at the XXXX, IL branch on XX/XX/17. To date, I have received nothing, not even an acknowledgement from the bank that they had received my paperwork. I worked at a bank for several years and find it incomprehensible that this has been going on for five months. I truly believe that XXXX XXXX did her best to try to help me with the claim, but was put in a bad spot by the " estate unit '', if one truly exists. I believe the bank 's actions or lack thereof is totally irresponsible. Bank of America 's inexcusable " customer service '' is certainly something no grieving family should have to experience. Please help our family out so we can put Bank of America out of our collective minds. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-08-15 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: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
On XXXX XXXX, 2017, I became aware that several credit inquiries had been made on my credit report. These inquiries were the result of identity theft, in which someone used my personal identifying information to apply for and or obtain credit cards and make fraudulent purchases. One of the credit cards applied for was approved and was issued by Chase Bank. I contacted Chase and let them know of the fraud. I then followed up with a request for the information used in opening the account, including the IP address. I included the name of the investigator working on the case and a notarized Affidavit of Fraud.This was mailed on X/XX/17. I did not receive the information that I am entitled to under the Fair Credit Reporting Act. I also faxed a request to the Chase Correspondence Team on XXXX/XXXX/17 and have not received the information. As I have stated, I am entitled to this information by law. I would like to find out who has done this and the information I requested may help me to do so.

Company response to consumer: Closed with explanation