vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-10-16 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: EQUIFAX, INC.
State: LA

Complaint narrative:
OnXX/XX/XXXX I mailed out disputes to XXXX, XXXX and equifax in reference to inquiries that showed up on my credit report. I asked each credit bureau to provide proof of these inquiries in writing. The response I receivedXX/XX/XXXX was a generic letter telling me to contact the creditor from equifax, XXXX removed two inquires but nothing else on the others, XXXX sent me a copy of my credit report. Stating that if you look at the bottom of this page if the items you contacted us about do n't appear this means these items are no longer effecting your report or our investigation was able to confirm the item.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC
State: TX

Complaint narrative:
Due to a XXXX on XXXX/XXXX/XXXX, the judge ruled that we must put our XXXX XXXX condo in Short Sale. I began the process last year in XXXX with XXXX XXXX XXXX XXXX Late XXXX XXXX XXXX XXXX sold the mortgage account to Shellpoint Mortgage Servicing. At that time, I had to begin the Short Sale process all over again under Shellpoint. Since XXXX, I have repeatedly sent the same documents over and over again. They ask for : 1months pay stubs, bank statements, Uniform Borrowers Assistance Form, Dodd-Frank Certificate, Buyer 's Proof of funds, Homeowner Association Statement, 2nd Mortgage payoff letter. Once I ( and my realtor ) send in all of these forms they wait two months and ask for them again. Sometimes they say the forms are not in the file or were lost with the old case manager, and sometimes they say that the forms are outdated and we have to submit them all again. 

Overall, Shellpoint case managers seem to either be very overloaded or incompetent. 
Just one month ago, I was told that all documents look good and are being reviewed by the underwriter. As of today, XXXX/XXXX/XXXX, I am told to refurbish many of these documents all over again. 

It has been a year now since I have started the Short Sale process ( under a judge 's ruling ). I have tried very hard to avoid foreclosure. At this time, I do have a buyer and I 'm scared I may lose them due to the lack of attention to my case.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
On Monday, XX/XX/XXXX at approximately XXXX XXXX I was in the drive thru of a Bank of America branch located in XXXX XXXX, VA at XXXX XXXX XXXX. I went to make a cash deposit of {$400.00} into my account, using a pre-printed BoA checking deposit slip. I was asked for my ID.I asked the person to provide me with copy of the bank policy that requires customers to give their ID when making a cash deposit. The person could n't find a copy. I asked for a manager, she said she was a manager. I then said that she should be able to find a copy of the written policy. While waiting a male employee came to the window and tried to explain to me that it was a policy and that everyone is asked for their ID when making a cash deposit to prevent fraud. I again asked for a copy of the policy if it applied to everyone. He said he did not have a written copy he could give me and that the policies could change. I asked for his business card, he said he was new but that he could write his name down on an existing business card. 
I called the customer service number on the card - XXXX and spoke with XXXX ( she did n't have an employee ID # ) and made my complaint. She kept explaining that tellers had the discretion to ask for ID. I told her that I was told that there was a written policy and I asked for the written policy. She said that she had to forward my complaint to the " back room ''. I told her that I felt targeted or profiled and discriminated against. She again explained that tellers had the discretion to ask for ID whereupon I told her to stop because she was talk about something subjective ( tellers discretion ) and I was told that her asking for my ID was based on something subjective ( a written policy ) and that everyone was asked for an ID. 
She asked if I had the location of the branch and I gave her the info that was on the card I received which appeared to include a branch number XXXX. She said that someone would contact that branch to see what was going on and perhaps it was a branch thing. 
I want to see the basis for being asked for an ID because I was making a cash deposit.

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 2017-10-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
There are several inquires that just hit my credit file and I did not apply for any of these XXXX XXXX XXXX and XXXX XXXX XXXX, XXXX and XXXX XXXX XXXX XXXX, XXXX, XXXX and XXXX I have a XXXX credit card but did n't apply for an additional card these are not mine Please remove these unauthorized inquires ASAP

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 2017-10-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
There are several inquires that just hit my credit file and I did not apply for any of these XXXX  inquiry XX/XX/XXXX and XX/XX/XXXX XXXX XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX XXXX inquiry XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX I have a XXXX credit card but did n't apply for an additional card these are not mine Please remove these unauthorized inquires ASAP

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-16 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Account information incorrect
Company: MARINER FINANCE, LLC
State: TN

Complaint narrative:
I opened a loan Personal Finance, which is owned by Mariner Finance onXX/XX/XXXX, No bank or credit Union would cash the check so I went back the next day on XX/XX/XXXX returned their check and contract, they voided loan and gave me hand receipt. I received a bill from them yesterday stating that my payment was coming due on XX/XX/XXXX7. I also checked my credit and see that they have me having an open loan with XXXX amd XXXX, which means my loan was never voided.

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 2017-10-16 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: NY

Complaint narrative:
My account was erroneously overdrawn due to a fraudulent charge. Because of that, a {$35.00} overdraft fee was assessed against my account. This started a chain reaction of several overdrafts due to automatic payments, which were paid by the bank including a {$35.00} overdraft fee. In addition, the bank assessed a {$35.00} overdraft fee every time my card was used, even if they did n't approve the transaction. This caused several hundreds of dollars of overdraft fees. 

I called Bank of America and spoke to a customer service representative, as well as their fraud department, and they said they would remove the erroneous, fraudulent charge and refund the {$35.00} overdraft fee, but every successive {$35.00} overdraft fee for charges they did n't pay would not be refunded, even though they did n't process the payments. I urged them to remove the charges, but they said this is standard in their checking accounts, and they refused to help me. I then decided to file this complaint.

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 2017-10-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
There are several inquires that have hot my credit file which I did not authorized nor apply for credit Chase CC inquires on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX I have a Chase credit card but did not apply for an additional account. Please look into this matter ASAP

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-16 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CITIBANK, N.A.
State: ND

Complaint narrative:
Citibank XXXX XXXX -- XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX Wire transfer for {$5000.00} on XXXX/XXXX/XXXX. I have tried contacting this man, I have contacted the police in XXXX XXXX, CA and no such person exists according to their records. He has presented a fraudulent identity and needs to stop. I have mailed him through regular mail and also registered mail and it gets returned. I want his bank account frozen and my money returned. He 's a thief.

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 2017-10-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PNC Bank N.A.
State: NC

Complaint narrative:
I refinanced my home with PNC on XX/XX/XXXX. I did not want to set up an escrow account, but the loan officer told me that it is mandatory for closing and I can call and cancel at anytime after closing.
- In XX/XX/XXXX I sent a request to cancel the escrow account. My request was denied and I was told that my loan-to-value ratio does n't qualify.
- In XX/XX/XXXX I sent another request to cancel the escrow account. My request was denied and I was told I have to complete 12 payments to qualify.
- In XX/XX/XXXX I sent another request to cancel my escrow account. My request was approved, but PNC demanded that I must pay approximately {$1300.00} fees for closing the escrow account. I talked to the executive client relation, and they told me the fees is to offset the rate discount I received at closing. I was never told that during closing. 

I read the contract and there is no mention of any fees dues when an escrow account is closed. I was deceived at closing, and I was given various reasons for the refusal of my request, and finally the bank want to charge me exuberant fees to sway me not to close the escrow account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-16 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: NATIONSTAR MORTGAGE LLC
State: NV

Complaint narrative:
I had purchased a home back in XXXX 2007 and XXXX XXXX XXXX had approved the first mortgage. I wanted to make changes around the home and decided to apply for a HELOC and was approved for the equity line. I had paid my payments on time until circumstances beyond my control left me in a financial bind. I struggled to keep my payments current and finally I was unable to keep up with all obligations. With the housing development that took place I was upside down on my property. I spoke with an attorney who explained I could short sale the house and though it was going to still be a negative reporting situation it would n't be a foreclosure and the bank would still recoup some of their funds. I gave Power of Attorney to my Attorney to handle the confusing processXXXX XXXX XXXXXXXX XXXX did agree to the short sale but then I was informed the 2nd mortgage had to remove it 's 2nd lien to be able to do so. There was an agreement made with XXXX XXXX to remove the lien but that we would still pay them which we have. In the process of having this drawn up XXXX XXXX XXXX transferred the mortgage to Nationstar Mortgage. My attorney had tried to complete the short sale but Nationstar would not communicate with our attorney. 
We had moved from the home and were over an hour away from the property. We were never notified that the house was being foreclosed on. My wife had driven by the house to try and complete the clearing of our items when she saw there was a notice pinned on the door indicating the house foreclosed. We spoke to the attorney and he said they did not reach out to him nor us and at no time did they try to communicate with us. 
I have tried to get information from NationStar and they still will not respond. I have disputed this with the bureaus and the bureaus have been no help. The way this unfolded was underhanded when we were only trying to do the right thing. 
I have requested records from NationStar payment history etc, and they will not respond.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONSTAR MORTGAGE LLC
State: CA

Complaint narrative:
Hi, my servicer MR. COOPER will be violating my California Home Owners Bill of Rights and other laws and are making fraudulent foreclosure sale on my property if they proceed. 
I have mailed in a complete Request for Mortgage Assistance package with everything that MR. COOPER needs and requests to have deemed a completed package. 
Friday MR. COOPER representative advised that they have received a completed packet and it went to the underwriters on XXXX/XXXX/XXXX for review. 
Also they have not yet removed the foreclosure sale date which is scheduled for XXXX/XXXX/XXXX while the review is in process. 
MR. COOPER is saying that there is no sale date and the sale is placed on Hold but when calling and looking online it shows its still scheduled for XXXX XXXX, 2017. 

They will clearly be in violation of the California Homeowners Bill of Rights and other laws as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-16 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: Resurgent Capital Services L.P.
State: WA

Complaint narrative:
I have been trying for quite a long time to get a XXXX XXXX collection item removed from my credit report. I have NEVER had any consumer relationship with XXXX. I have been with my mobile provider ( XXXX ) since XX/XX/XXXX and I 've had the same phone since that service began. 

I have written Pinnacle ( Resurgent Capital Services ) before, most recently was XX/XX/XXXX and I demanded validation of debt. All they sent me was a XXXX billing statement with some small printed terms and conditions. Nothing signed, nothing proving it was me. The reason being is because they ca n't. Such documentation does not exist because I have never done business with XXXX. 

I am sending them yet one more letter today as my last written attempt to get them to delete this item once and for all. There is no point in me asking for better documentation because again, it does not exist. 

I am turning to you, the CFPB, to come in and save the day here for me and my family. I am a very credit conscience person and this derogatory trade line is impacting my ability to create new relationships with prospective lenders and I 've taken all the necessary steps to rectify the matter, but to no avail. Please act swiftly enforce some action here, I 'd be greatly appreciative of your efforts. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivables Performance Management, LLC
State: AZ

Complaint narrative:
I have been contacted by this company twice. They claim to be doing business for a XXXX bill they say I owe. However I have contacted XXXX and have spoken with a XXXX who is a supervisor. He assured me that I will be handling this with them. The total isnt correct. Everything is off. The social on the account doesnt even come back as mine. XXXX has told me to stop all communication with this company as I will be handling it with them. It is now on my credit report by this company and they have no right to report it. I WANT IT OFF and want ALL communication to STOP!!

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 2017-10-16 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Texas Guaranteed
State: TX

Complaint narrative:
Company is reporting a debt on my credit report, a letter was sent certified mail demanding proof of debt. However the certified letter was returned to sender, the address the company is reporting to the credit bureau is inaccurate. 
Letters were sent certified mail on XXXX/XXXX/XXXX Letters sent to credit bureau on XXXX/XXXX/XXXX informing them of the inaccuracies

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
There are several inquires that have hit my credit file which are AMEX XXXX, XXXX and XXXX I did not apply for credit with this company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-16 00:00:00
Product: Checking or savings account — Savings account
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: NAVY FEDERAL CREDIT UNION
State: NY

Complaint narrative:
In trying to resolve another incident, whereby Navy Federal Credit Union told me they would make a soft inquiry on my credit report and then instead made a hard inquiry, Navy Federal Credit Union emailed me a copy of XXXX XXXX XXXX 's XXXX card number. 

The unauthorized use of my credit report is captured in CFPB incident : XXXX. 

I 'm creating this incident to reflect that XXXX sent me someone else 's credit card information.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AES/PHEAA
State: CA

Complaint narrative:
I was contacted by XXXX XXXX XXXX, as a reference for someone else. The person gave me an address of where he lived when he was XXXX XXXX XXXX. I did n't know him then. I felt like I was being badgered by XXXX different people over a debit that is not mine. XXXX phone number is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
There are XXXX inquires from CITI listed on my credit file which I have NOT applied for credit. I would like to know why? This is fraud and I want the inquires removed

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 2017-10-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: AZ

Complaint narrative:
NSLDS.GOV shows for school year XX/XX/XXXX-XX/XX/XXXX I was awarded 2 Pell Grants each amounting to {$4000.00} The 1st is from a college and campus I never attended : Grant dispersed amount : {$2700.00} XXXX COLLEGE - XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX The 2nd I did attend : Grant dispersed amount : {$1300.00} XXXX COLLEGE -  XXXX XXXX XXXX XXXX XXXX NJ XXXX NSLDS.GOV also shows missing data ( lines A-M, see attached ) All of the loan interest rate or repayment information is missing. 

XXXX XXXX navient was the original loan servicer and is currently the servicer for the newly consolidated loans. 

XX/XX/XXXX I requested copies of original individual promissory notes from navient. They have been unable to locate the individual promissory note and requested information. Without the information on these individual promissory notes pertaining the loan interest rate and repayment agreement the loans can not be verified because this information was never reported to NSLDS.GOV When consolidating NAVIENT sent the loan payout to the wrong school and subsequently preventing me from attending XX/XX/XXXX fall semester term B XXXX XXXX XXXX was both the original loan servicer and Loan Service serviver for my consolidation. 

I have attach a document which contains information from the NSLDS.GOV along with further questions and comments regarding this information I would like to have answered.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
1.TrustedID with Equifax send alerts and you can not get any information from them and have to call the regular number. For the third time after being on hold over 25 minutes someone answered and before I could say three words hung up. I do not have unlimited time to continue to be on hold forever and never get the situation resolved. 
2. The TrustedID person gave me a phone number to make sure my report was frozen and I called it only to find it is a non-working number. 
3. PLEASE do not let them send a pat response like that have previously with out even looking into the problem. I WANT A RETURN PHONE CALL FROM A RESPONSIBLE PERSON AT EQUIFAX!!! It is the very least they can do at this point.

Company response to consumer: Closed with explanation