vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-07-13 00:00:00
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Problem with customer service — 
Company: U.S. BANK NATIONAL ASSOCIATION - SAN FRANCISCO MAIN BRANCH
State: CA

Complaint narrative:
I was filing my taxes online and was going to have them electronically deposited into my boyfriends account at Union Bank, in XXXX XXXX, CA. My boyfriend went to the bank and asked them to write down his account number and routing number so that I could put it on my tax papers. He then gave me the numbers that the teller wrote down for him for his account and I put them on my tax forms and sent them off, this was around XX/XX/2018. By XX/XX/2018 I still had not received my monies from the IRS into my boyfriends account. A couple days later it was showing as a pending transaction into my boyfriends account, so we figured the next day they would be in there. Well the next day the pending transaction was not there, and there had been no monies put into my boyfriends account. He went to the bank and asked what was going on, they told him they didn't know where the money was and that it probably didn't go into his account because my name was not on his account. They said it was probably sent back. Well needless to say, it wasn't sent back, it was put into the wrong account. The teller had given my boyfriend somebody elses account number, so when I put it on my tax papers that's where the money went to. Two more months had already gone by before I found all this out in XX/XX/2018, after I had the IRS track it and everything. So I get a letter from the IRS and TREASURY DEPT. Saying to the bank to return my money to me with a bank check. So my boyfriend and I go the bank with the letters I had gotten and all the proof and information needed for them to write me a bank check for my money. The manager tells us that it is all our fault the money got put in the wrong account, and we are to get it from the guy that the money went into his account. WHAT? XXXX!! I have never heard of anything so unacceptable in my life by a Manager of a Bank. They still to this date XX/XX/2018 have not returned my money to me. The Managers name 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 2018-07-13 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: Summit Financial Corp.
State: FL

Complaint narrative:
I sent a certified letter to the company multiple times and tried to call the company to remove the inquiry from my credit report and was informed to contact the company that did the inquiry to have them remove the inquiry from credit report. I contacted the company and was informed by the company to contact the credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-13 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: Midwest Recovery Systems
State: FL

Complaint narrative:
I sent a certified letter to the company multiple times and tried to call the company to remove the inquiry from my credit report and was informed to contact the company that did the inquiry to have them remove the inquiry from credit report. I contacted the company and was informed by the company to contact the credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-13 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: FC HoldCo LLC
State: FL

Complaint narrative:
I sent a certified letter to the company multiple times and tried to call the company to remove the inquiry from my credit report and was informed to contact the company that did the inquiry to have them remove the inquiry from credit report. I contacted the company and was informed by the company to contact the credit bureau.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-13 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC
State: TX

Complaint narrative:
Since XX/XX/XXXX ; we have had no success with Shellpoint Mortgage Servicing in trying to ascertain a modification. Nonetheless, their primary duties are debt collection ; and now they are trying to foreclose on XX/XX/XXXX. However, the Texas foreclosure procedures attached for homeowners stipulate " home equity '' loans foreclosure procedures are to be conducted " judicially ''. However, Shellpoint Mortgage Servicing is violating our rights by trying to foreclose " non-judicially '' ; and keep talking about they are relying on the deed of trust when we have not received any bills for the deed of trust and thus is not delinquent. Moreover, XXXX  is not the trustee for the deed of trust but of the XXXX ; asset backed home equity loan. This is why it is crucial for homeowners to have a judicial hearing ; Judges makes split decisions in these matters not the lender ; because Shellpoint is falsely stating a new contract is not required for a home equity or line of credit ; they are not expert in these matters and a Judge needs to make that determination not Shellpoint. Also Shellpoint 's notices of sale are completed improperly ; they do not list the substitute trustee 's address ; or list Shellpoint 's name properly as seen in the attached ; which should read : XXXX XXXX XXXX, XXXX dba Shellpoint Mortgage Servicing. Shellpoint is trying to railroad us into an illegally foreclosure ; all because as debt collectors they refuse to verify debts as required by FDCPA. Also, Shellpoint is stating 12 CFR 34.83 ;  does not apply to them ; they like to pick and choose which statutes they will follow and we need court intervention.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-13 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: Exeter Finance, LLC.
State: FL

Complaint narrative:
I sent a certified letter to the company multiple times and tried to call the company to remove the inquiry from my credit report and was informed to contact the company that did the inquiry to have them remove the inquiry from credit report. I contacted the company and was informed by the company to contact the credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-13 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: Alorica Inc.
State: FL

Complaint narrative:
I sent a certified letter to the company multiple times and tried to call the company to remove the inquiry from my credit report and was informed to contact the company that did the inquiry to have them remove the inquiry from credit report. I contacted the company and was informed by the company to contact the credit bureau.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: FL

Complaint narrative:
1st complaint : HSBC sent me a credit card that I hadn't applied for. I've spent over five hours on hold with HSBC in an attempt to report the ID Theft and ensure that the card has been coded as such and for them to remove any related reports from my credit reports. I wasn't able to get a person on the phone until today and then they refused to connect me to the department that handles fraud/Id Theft and refused to provide me with an address or fax number for me to send a police report and affidavit to report the ID Theft. The associate said that she can not assist me that I will have to be placed on a " lengthy hold '' to speak with someone who could assist me. I told them of my 5 hours of hold times and frustration to report the Id theft and they said they couldn't assist me. I asked for their manager and they refused. I advised that I am filing a formal complaint against HSBC and the associate wasn't concerned and they placed me on hold.
2nd complaint : After I formally communicated and provided proof of my victim status as a victim of ID Theft to HSBC and having received HSBC 's acknowledgement of the receipt of the unauthorized application that they've " Denied the application '', HSBC has now communicated to me that they approved the application and are reporting it to my credit reports. Since I've received this information from HSBC I contacted them and requested a fax and or address to resend the police report and FTC Affidavit for them to investigate and resolve the issue and the associate refused to assist me or transfer me to someone who could assist me. I advised them that I am filing a complaint against them and the associate placed me on hold until I discontinued the call because they failed to pick the line back up.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-13 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: Ditech Financial LLC
State: FL

Complaint narrative:
Ditech and Green tree serviving has filed to put my home in foreclosure without offering me HARP or any modification even though the loan was serviced before 2009. Also claimed to put home in default because of exhusbands non answer to petition even though they said they removed his name from loan even though i sent in my response.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-13 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
Experian has failed on multiple occasions to properly address and investigate/re-investigate errors on my report over numerous attempts sent to them. Specifically failing to respond to certified letters, failure to verify accuracy of account information, failure to correct unverified information.

As of XX/XX/XXXX the following bellow unverified/re investigate requests have not been made by Experian despite my 3rd attempt per my certified letter dated XX/XX/XXXX received by them on XX/XX/XXXX. In fact they sent me a letter in the mail I received yesterday XX/XX/XXXX stating they would not re investigate my disputes. 

Tracking Number : XXXX Your item was delivered at XXXX XXXX  on XX/XX/XXXX in XXXX, TX XXXX. 
Status Delivered XX/XX/XXXX at XXXX XXXX Delivered XXXX, TX XXXX XXXX  XXXX XXXX status updated XX/XX/XXXX never investigated XXXX XXXX status updated XX/XX/XXXX refused to re investigate XXXX XXXX XXXX status updated XX/XX/XXXX refused to reinvestigate XXXX XXXX XXXX status updated XX/XX/XXXX never investigated Inquires XXXX  XXXX XX/XX/XXXX refused to investigate /re investigate Santander XX/XX/XXXX refused to investigate /re investigate I have attached documentation. Additional information can be provided if needed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-13 00:00:00
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Forster & Garbus LLP
State: NY

Complaint narrative:
I had filed a complaint back in XX/XX/2017. A response was received, but Forster & Garbus did not hold up to their deal. I had asked for written documents to the agreement of a {$13000.00} settlement. No communication was made. Months later my account was sent to XXXX Sherrif for collection without my being notified. My wages were garnished again without notification. I had reached out to Forster & Garbus by phone and e-mail demanding documents to support this as well as the agreement, and have  had no follow-up. 

I am looking to settle with {$11000.00} paid over 3 years which is taking into account the garnishment payments.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-13 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: ERC
State: NY

Complaint narrative:
I have an unknown derogatory mark on my cerdit report .... I am unaware of this debit .... I have not done business with this company .... I have not received any letters .... this company has shown has a collector for XX/XX/XXXX .... I have not been notified! I have not done business with this company

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-13 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Hello, I have tried numerous time to get in contact with my private student loan provider. Originally the student loan was with Chase bank, who informed me they sold my student loan to XXXX. I am aware I have defaulted on my loan. I have received no paper statements or bills to warn me that I was nearing default. Chase is stating that they have no record of the student loan and referred me to XXXX. XXXX has informed me that I am not in the system and that they as well have no records of my student loan. The loan default does appear on my credit reports. The last time I called both Chase and XXXX was on XX/XX/XXXX as well as various previous occasions. I am completely unable to track down my student loan info to resolve the default status. Before the loan defaulted I had been in contact with Chase bank ( XX/XX/XXXX ), they would not offer my any payment solutions to help me resolve the past due balance. I had been hospitalized for 45 days and had proper documentation to provide that I was in the middle of an economic hardship due to health reasons. In addition to this, I live in XXXX TX and was affected by the Tax day floods, as well as XXXX XXXX floods and hurricane Harvey, That is to say 3 years consecutive of natural disasters that prevented me from being able to get to work and gain compensation during the time that all major roadways were flooded. At the current moment have not been able to get any information on where or whom carries my student loan, how to resolve the default, any balance info, and have not received any proper documentation. I look forward to hearing your response. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-13 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: FL

Complaint narrative:
While surfing the Bank of America website looking for information on my account, I came across some unauthorized transactions done by Bank of America without my consent.
From XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX each time for the amount of {$550.00} for a total of {$2200.00}. When I called to inform the customer service, she confirmed the unusual nature of the transaction and suggested that I transfer the claim to the fraud department which confirmed that it wasn't a fraud which transferred the case to the Billpay department. Since then I have been going around and around without success, except for the claim department who agreed to pay {$260.00} and the balance should be paid by the office of BillPay. They acknowledged the error but refuse to take steps to correct it. I also contacted the XXXX XXXX XXXX which confirmed that the Bank Of America is the culprit and should have to pay back ( {$2200.00} ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-13 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
I scheduled my payment in XX/XX/XXXX for my XX/XX/XXXX payment - I made sure to transfer the funds to my bank account on XX/XX/XXXX to ensure they were available for the scheduled payment ( I can show proof ) I thought all was fine. Today I log into my bank account and show funds are still there I log into my PayPal account and see the payment was not process and because of that was accessed over {$200.00} in interest fees - I called and complain spoke with Manager XXXX XXXX she basically brushed it off and said doesnt show scehduled payment and will not reverse the interest- I advised her I would be filing this complaint as I did what I was required to ensure no interest was charged - she understood and still would not reverse wrongfully charge interest.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC
State: NV

Complaint narrative:
I watched a commercial for Rocket Mortgage on TV and decided to give them a call to get a rate quote to refinance my home loan. I wanted to rate shop before making a decision on which company I would use. The person at Rocket Mortgage who took my call gave me a rate range of low 4 % to mid 5 % and would not give me a more accurate rate unless I applied for a loan which required me to give him my social security number. 

I told the rep that I had an XXXX FICO score, a loan to value of 30 % and had proof of income. I said I don't need an exact rate just a ball park rate. He said he couldn't quote a rate without taking a full application. I said I have bought 10+ homes in my life and I have never had a mortgage bank/company not be able to give me a approximate rate. Having consumer 's have to give a full application and run their credit report unnecessarily is wrong on so many levels. I think that Rocket Mortgage just wants you to complete a full loan application before giving you an approx rate quote so that you will go with them since the application is complete and that is not a fair business practice. 

Call made on XX/XX/XXXX from cell phone # XXXX XXXX XXXX XXXX or XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: AmeriHome Mortgage Company, LLC
State: NC

Complaint narrative:
Amerihome acknowledged they had received the remaining documents for loss mitigation on XX/XX/2018. I called back on XX/XX/2018 and customer service representative looked through every document that had been faxed and verified that everything that was requested was there. She stated that she would send a email to let the correct parties and let them know that I had faxed everything that i had been requested. I called back XX/XX/2018 to get a update and to let them know I had a foreclosure hearing the next day. I was told they have 5 days to go over the paperwork that I was submitted and that it was nothing else I could do. I told them someone had gone through every document on XX/XX/2018 and the CSR just repeated there was nothing else I can do. I was also told by the customer service representative that the hearing was not to set a sell date just to check the status of the loan and just to let them know I was in the process of loss mitigation. I had a attorney represent me at the hearing with paperwork stating that I am pursuing loss mitigation and the lawyers for the mortgage company stated that they had not received any information from the mortgage company stating that I was trying to keep the home. A sell date was set for XX/XX/2018. I contacted Amerihome the following day and was told that they could no longer communicate with me because of my representation at the hearing. The customer service representative informed me the only way they would communicate would be if I sent a letter stating that I don't have any type of legal representation signed and dated. I explaned that the lawyer only represented me at the hearing and he said that doesn't matter. As of today XX/XX/2018 they will not communicate with me and I have no status of loss mitigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-13 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: FL

Complaint narrative:
I have the money to pay off in full my student loan ( over $ 90K ). I confirmed the entire payoff amount online and via telephone with Navient on XX/XX/2018. They cancelled my direct debit since I set up an electronic transfer which they said may take 3-4 business days. On XX/XX/2018 they sent me an email saying the loan was paid in full and my balance was XXXX. 

Today, on XX/XX/XXXX they sent me an email that I owed {$1400.00}. There was no communication either by phone, email or regular mail until today. I called today and they refused to connect me to a supervisor and claimed many contradictory things. First, that the payment was refused by the bank ( not true ). Second, that they could not " accept '' any payment of more than $ 50k per day ( not true ). Third, that they can only accept a payoff in full via debit or credit care ( not true ). Fourth, that I owe an additional {$62.00} to payoff the loan which is ludicrous since they already sent me notice 11 days ago that the loan was " paid in full ''. 

Worse, when I called this morning, besides lying to me they now claim I can only payoff my loan by electronic transfer ( the original way it was set up ) and " it may take 10 business days ''.

Clearly, this is a scam to extract extra money from those choosing to get rid of their horrible service/company. I have set up the loan pay off ( AGAIN ) and hope that their illegal practices are uncovered so that more innocent people don't get fleeced of their money.

Company response to consumer: Closed with explanation