vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-07-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: IL

Complaint narrative:
My mortgage was purchased to Mr. Cooper ( Nationstar ) from previous lender Seterus, Inc. Once I received notice from the Mr. Cooper , it also included a past due bill that indicated I was 50 days late and missed both the XX/XX/2019 and XX/XX/2019 payment. My house was in jepordy of foreclosure. In addition, the principle balance and monthly payment had increased. Upon my initial inquiry I was told the payments from the previous lender must not have been transferred over correctly. I submitted 2 years of payment history to SeteruXXXX from my XXXX XXXX XXXX on line banking to Mr. Cooper. It is impossible to reach the research team, they do not interface with customers. My claim was denied according to a customer rep even thought I showed them proper payments. Each day I speak to someone new in their customer service department and continue to get different answers. They have since reported delinquent to my credit reports, and continue to tack on fees. This company 's inaccurate reporting, threats of foreclosure and increase of my mortgage principle is terrifying. You can not get anywhere, I was left with no choice but to pay the amount in dispute that I have already paid, since they threated placing a lean on my property. It is not fair, the reviews of this company are terrible, I am at a loss of what to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-16 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Loan payment wasn't credited to your account — 
Company: General Motors Financial Company, Inc.
State: CA

Complaint narrative:
GM Financial upgraded their System in XX/XX/2017. Nothing has been correct since. Ghost payments due show up on your account ( happened for a year each month ). I schedule payments for withdrawal from my account receive email confirmation and then they either dont take them ( happened this month, again ) or they do it days after it was to be done. I call and what I am told does not reflect what my online statements say. I want a complete forensic accounting of my account PERIOD!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ZWICKER & ASSOCIATES
State: OH

Complaint narrative:
I have received a letter from Zwicker & Associates stating that I owe for an account that does not belong to me for {$5900.00}. This account does not belong to me. This is the second company trying to collect for this account but this time it is for a different amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: BARCLAYS BANK DELAWARE
State: MA

Complaint narrative:
Started 2 applications with Barclays Bank on XX/XX/19 as I really wanted the benefits of the XXXX and XXXX XXXX XXXX cards. After a few weeks they requested me to send some information. And there are other several information requests after that which I complied with all of them. I charge well over {$100000.00} a month on my company cards and you would think a company would want the business. If they didnt want the business they shouldnt drag the process along after I sent in tax returns credit card statements etc. I was really upset today after they stated my Social Security card was not clear after I sent it in twice and I used inappropriate language and feel bad about that. However after four months the process has gotten really frustrating and its not worth me giving them my business at this point. If the required information for approval it should have been once or twice not multiple times and many of the times I wasnt informed that they needed additional information at times until I called them. The XXXX application # is XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
My daughter purchased a vehicle 6 years ago, which I helped co-sign. This was thru XXXX XXXX. About 11 months ago my daughter refinanced the loan with Capital One. The keyword being re-financed. I did not co-sign on this particular refinance, They even called me and asked if I wanted to be kept on the loan ... I said no, and they said I didn't have to be on the loan ... .she was doing this on her own. Well it has now come to my attention that they DO IN FACT have me as a co-borrower ... .I have signed nothing. They have fraudulently listed me on my daughters vehicle loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: TX

Complaint narrative:
Specialized Loan Servicing incorrectly reported my XX/XX/XXXX taxes and this has resulted in myXX/XX/XXXX mortgage payment doubling. They did not include XXXX XXXX and Water taxes in my escrow for XX/XX/XXXX resulting in an escrow shortage that they say is {$14000.00} ( inaccurate and inflated ). 

My escrow analysis for XX/XX/XXXX showed taxes totaling only XXXX. ( COUNTY TAX  {$1100.00}, WATER TAX {$840.00} ). 

My escrow analysis for XX/XX/XXXX shows my taxes totaling {$11000.00}. ( COUNTY TAX {$6800.00}, WATER TAX {$4100.00} ) This year XXXX, on XX/XX/XXXX, my escrow analysis showed that 1. I had an escrow shortage of {$14000.00}. 
( This is incorrect, my county appraisal shows that my taxes for XXXX were estimated at {$11000.00}. Since I already paid {$2000.00}, that means roughly {$9900.00} was supposed to be past due, but they have charged me for the full escrow amount which includes insurance and PMI that were already paid for. 

2. My new mortgage payment has increased from {$2200.00} to {$4200.00}. 
This amount was auto drafted from my account on XX/XX/XXXX and XX/XX/XXXX. ( note* I only received the escrow notice on XX/XX/XXXX ) a ) I did not get 60 days to respond to this change. 
b ) This amount is based on a shortage caused by SLS c ) The shortage amount is inaccurate and inflated d ) XXXX spread out the XXXX amount over 12 months without my agreement

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 2019-07-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I have a fraud alert on my credit file. Someone keeps applying for credit in my name. Ive contacted the credit bureau on several occasions. I was finally able to update my phone number. So that the companies could call me to see if I applied for credit. 
XXXX, XXXX XXXX, XXXX  XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I closed my account in XXXX. I went into the bank. Closed the account and zeroed it out. The bank is saying that I didnt close the account that was zeroed so they charged me service fees for the next 3 months on my XXXX balance. I was in no way over draft. My balance was XXXX. But they continued to charge me for 3 months of bank fees. This happened in XXXX. 3 days after I closed the account they started charging me fees. They charged me fees for 3 months. The total they say I owe is {$86.00}. I received a notification that the account was overdrawn. I called chases XXXX number and they said they couldnt help me I had to go in to the branch. I went in to the branch. Waited over an hour. And they said the best they could do was split balance of {$86.00} and charge me {$43.00}. I said that was absurd. I spoke to the bank officer who agreed with me but it was not within her or her bosses power to fix the clear mistake. They had to call chases collection department. The bank employees and I both spoke to the most senior person we could in the collections department. The woman said the best she could do was allow me to pay {$43.00} instead of seeing the absurdity of the situation and simply removing the charge. I said I would not pay it. It makes no sense whatsoever.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-16 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
On XX/XX/2019, Bank of America received a mortgage payoff during a refinance process. On XX/XX/2019, Bank of Americas autopay system electronically deducted a mortgage payment from my checking account even though the loan was paid in full. I contacted bank of America that day and was told that I would be refunded the amount electronically. By XX/XX/XXXX, my money had not been received and I called customer service. I was told it would take up to 48 hours. After 48 hours I was told it would take 7-10 days for an electronic transfer that had been authorized by BoA on XX/XX/XXXX. Today is XX/XX/XXXX and the monies have not been received and do not show pending. 7-10 days for an electronic payment through the clearing house seems egregious given same day transfers occur daily between banks with services like XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I have a fraud alert on my credit file. Someone keeps applying for credit in my name. Ive contacted the credit bureau on several occasions. I was finally able to update my phone number. So that the companies could call me to see if I applied for credit. 
XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX/XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX-XXXX, XXXX/XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I have a fraud alert on my credit file. Someone keeps applying for credit in my name. Ive contacted the credit bureau on several occasions. I was finally able to update my phone number. So that the companies could call me to see if I applied for credit. 
XXXX, XXXX XXXX XXXX  XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-16 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: PNC Bank N.A.
State: FL

Complaint narrative:
I hired a contractor, XXXX XXXX company to renovate my fire damaged home in XX/XX/2019. I since fired the contractor a week after and put stop payment on two checks, one in the amount of {$10000.00} and the other in the amount of about {$53000.00}. I later found out from my bank XXXX XXXX XXXX the $ XXXX check was attempted to be deposited into the contractors bank account at PNC bank in XX/XX/2019. The check was made out to XXXX XXXX, nowhere on the check did it say XXXX XXXX or the owner of the companies name, XXXX XXXX XXXX XXXX XXXX XXXX XXXX virginia XXXX. The owner of the company tried to deposit the check and PNC held the check pending verification because of suspicion of fraud. This was back in XX/XX/2019. The bank has still not sent the $ XXXX check back to XXXX XXXX XXXX they still are holding on to the funds. I have went into personally the brand where the contractor tried to deposit the check and spoke with the branch manager and staff letting them know the situation. The branch manger said he would send the funds back to XXXX XXXX XXXX he has not. I have called XXXX XXXX XXXX they say the check has been cashed. PNC resolutions department ( Send request inquiry to recall funds File dispute ) ( XXXX ) XXXX XXXX PNC Resolution Specialist - has asked XXXX XXXX XXXX to send a hold harmless inquiry. All this and I just need the PNC bank to release the funds and send them back to XXXX XXXX XXXX. The branch manager who has allowed this insurance check to sit in PNC for two months Is in some sort of collusion with the contractor. Branch manager, XXXX XXXX XXXX ID XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Maryland XXXX I have reached out and spoke with every department and are still at square one with no resolution. Please help with any insight. 

Our home is still sitting fire damaged with added weather damaged and days go by. My husband is stationed in XXXX and I am in XXXX  trying to resolve this matter. 

Thank you! 

XXXX XXXX XXXX Check # XXXX Check amount {$53000.00} Call XXXX branch - XXXX They are holding for verification of signature- account # XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-16 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: IA

Complaint narrative:
On XX/XX/XXXX, TransUnion sent me the result of a dispute I made with them regarding an account that was incorrectly shown on my credit report. The account showed up in XX/XX/XXXX. The company reporting the incorrect information is XXXX XXXX XXXX # XXXX in XXXX, IN. The amount shown is {$410.00} from XXXX XXXX XXXX. 

The original bill for XXXX XXXX XXXX was for my husband, XXXX XXXX. He went to the hospital on approximately XX/XX/XXXX. He killed himself on XX/XX/XXXX. I have supplied the death certificate to XXXX XXXX XXXX on two occasions in XXXX and asked that they remove the account from their records. They stated they would, but instead sent it for collections later that year. I spoke to the collection agency in XXXX and explained the situation. That collection agency stated they would remove the account ; however, in late XX/XX/XXXX, XXXX XXXX sent me a collection letter. I replied to XXXX explaining the situation ( in writing ), as well as over the phone stating that the debt does not belong to me. In XX/XX/XXXX, the company put the account on my credit report. I reported the error to TransUnion and XXXX. XXXX removed the account as their investigation found that the transaction was incorrect. TransUnion failed to remove the account stating the account is accurate. TransUnion is wrong and needs to remove the account.

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 2019-07-16 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: BMW Financial Services NA, LLC
State: TX

Complaint narrative:
I terminated my lease 6 months early with BMW Financial Services by paying the remaining lease payment obligations, returning the car in excellent conditions with brand new run-flat tires and XXXX lower than allowed miles. 
BMW accepted my payment and a month later sent me an {$850.00} invoice for two tires at {$300.00} each and interior miscellaneous charges not identified during the vehicle return inspection. They claim that the run-flat tires I installed in the vehicle, while new and " run-flats '' are not the OEM tires they use so I would get {$0.00} credit for the excellent condition / new run flats I installed. They also indicated I would not get any credit for the XXXX lower miles. 
These charges are egregious and do not reflect the economic damage or loss BMW would suffer by accepting a car with lower than allowed milage and brand new run flat tires that are not OEM.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-16 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: EQUIFAX, INC.
State: GA

Complaint narrative:
Equifax had both my first and last name is misspelled in their records.. I submitted a correction to them and they opened a " Dispute ''. They continually send me emails telling me that they have completed my dispute and inviting me to see the result. When I try to see the result on line, their log in and verification process is so cumbersome that I can not access the report. when I call their customer service line, they send me to a third party representative in the XXXX. When I ask to speak to an American customer service agent they eventually ( after arguing with me ) send me to a surely XXXX who gives me a hard time and then hangs up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-16 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: KY

Complaint narrative:
Equifax and XXXX XXXX XXXX has repeatedly failed to provide me with any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay XXXX XXXX XXXX, XXXX, which Equifax reports negatively that I owe this company. 

Both of these companies have also failed to provide me the method in which they used to verify this inaccurate and incomplete debt. 

Equifax reports negative entries listing I owe {$830.00} and {$570.00} on XX/XX/2018. There is no contract. This debt is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-16 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: EQUIFAX, INC.
State: NE

Complaint narrative:
I have filed disputes about several items on my credit report with XXXX and XXXX and have had absolutely NO ISSUES. I have tried to file the same disputes with Equifax and have had NOTHING BUT ISSUES. I have tried online and I have called and they are not letting me file my dispute because for whatever reason they don't believe I am who I am. Even though I have given them name ( both maiden and married ), date of birth, social security number, address ( both current and previous ) and pretty much my BLOOD TYPE. This is very frustrating! I am trying to work on my credit and get items removed that should not be there. There is no way that I could have incurred the charges between XXXX and XXXX. I need help.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-16 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: LA

Complaint narrative:
All 3 credit reporting agencies are keeping closed account information on my report, one as far back as 2012.

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 2019-07-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: CT

Complaint narrative:
My mother passed away in XX/XX/2018. She owned a condominium in XXXX XXXX, at XXXX XXXX XXXX XXXX XXXX XXXX CT. The property has a mortgage with Bayview Mortgage. I called them in XXXX explained that we were selling the home, and sent them a copy of the will. The representative at Bayview told me to " keep paying one payment a month and we will be fine. We listed the property for sale with a Realtor and I have continued to make a payment each month as instructed. As of this date the lender has not taken any legal action against the property, which is now in probate. However, at the end of XXXX their inspector changed the locks on the property and posted a notice that no one can sell the property. This is interfering with our ability to sell the property, as well as depriving my family of the use of the property, which we are entitled to, as the heirs of the estate. Please help us regain possession of our family property. Bayview has no legal reason nor right to take possession of the home. The home is in good condition. In fact I have recently done substantial work to the property to facilitate its sale. The property was also completely secure until the lender broke into it illegally. Although, I have provided the requested probate documents to the bank they refuse to discuss the matter or respond to my repeated calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-16 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: GLA Collection Company, Inc.
State: KY

Complaint narrative:
XXXX and G.L.A Collection Company has repeatedly failed to provide me with any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay G.L.A. Collection Company, Incorporated, which XXXX reports negatively that I owe this company. 

Both of these companies have also failed to provide me the method in which they used to verify this inaccurate and incomplete debt. 

XXXX reports negative entries listing I owe {$830.00} and {$570.00} on XX/XX/2018. There is no contract. This debt is not mine.

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