vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-26 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: MI

Complaint narrative:
Submitted a request on loan makers paperwork for working at non-profit. They acknowledge they have the paperwork, and after multiple submittals ( which they have received ), and a letter, no determination has been provided. 

I am at the end of my rope on this loan. They don't respond to paperwork, they play games with me on the phone. Please ask them to respond to my request. It is affecting my health and well being. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
I advised Barclays Bank on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX that a company named XXXX was using my card without authorization. They were told to block this company from using my account on all of the above dates. To date, they still have not blocked this company from using my account and once again on XX/XX/XXXX my card was used again by XXXX in the amount of {$11.00}. I will not pay for these purchases. I have three emails directing Barclays not to allow this unauthorized company to use my account, but they choose not to do anything about it. I want a refund of the {$11.00} ( XX/XX/XXXX ) {$12.00} on ( XX/XX/XXXX ), {$5.00} ( XX/XX/XXXX ) and {$11.00} on ( XX/XX/XXXX ). For a total of {$41.00} and I WANT XXXX  BLOCKED FROM USING THIS ACCOUNT. THEY ARE UNAUTHORIZED!!!!!!!!

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 2020-06-26 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I opened an auto loan with XXXX XXXX in XXXX of XXXX. They had been reporting my payments monthly until XXXX of XXXX. Since then they have not updated my account balance nor my monthly payments. Its bringing my score down and Im being denied the ability to purchase another vehicle. I want my payment history and corrected owed balance to be updated immediately.

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 2020-06-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: AES/PHEAA
State: NY

Complaint narrative:
I previously filed a complaint through CFPB, today we received a response from the lender and the complaint was closed, however, the explanation from the lender was absolutely false and exactly the reason why they need to change my payment and backdate it to {$130.00}. In sum and substance, the portion of their explanation that is pertinent to the complaint is as follows When the recertification application was processed on XX/XX/XXXX, FedLoan Servicing determined that the family size had been reduced and that the marital status had changed in comparison to the previous year. The IDR monthly installment is directly dependent about your household income and family size. As a result, the monthly installment under the PAYE plan increased from {$130.00} to {$280.00}, effective XX/XX/XXXX. 
This information is fraudulent and absolutely false, my family size had not changed, as they are very well aware of - through the numerous conversations weve had with loan officers, nor had my marital status changed from the previous year, I have been divorced since XXXX and head of my household, single parent to a XXXX  and XXXX  to an elderly parent, my household size is three, and has been - for four years. Nothing has changed, so they are making false statements in the response to the original complaint ID : XXXX. I demand the payment be calculated accordingly and backdated as they have now made contradictory and false statements to this organization, when stating that my family size or my marital status changed, none of which is true.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-26 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I was trying to buy my first vehicle and the salesman pulled my credit and told me that my credit was pretty bad for the amount I was trying to get approved for I asked him what was the problem with credit and he showed me my report. These are many derogatory items that do not belong to me. Please remove these items from my account. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, Company Inquiries : 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 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-26 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: SELECT PORTFOLIO SERVICING, INC.
State: TX

Complaint narrative:
On XX/XX/2020 I wrote Select Portfolio Servicing, Inc. and requested that they explain to me how a financial institution can dual use a Special Warranty Deed With Assumption. 

It appears that the financial institution recognized the legal standing of the Special Warranty Deed With Assumption by only dealing with one party and modifying the mortgage. By this I mean the financial institution used the Special Warranty Deed With Assumption to waive the requirement for the signature of the co-borrower when the mortgage was modified. 

On the other hand the financial institution elected to ignore the fundamental basis of the Special Warranty Deed With Assumption,  which is that the Grantee agreed to assume and promised to pay all principal and interest remaining on the mortgage on the property. 

The Special Warranty Deed With Assumption was completed as part of a divorce that took place 29 years ago. After 29 years Select Portfolio Servicing is listing the late payments on the mortgage on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
I recently submitted a complaint and only work done was 'spoke to client ', Closed. 
Do I get to see response? Did company respond to length of time they're taking to just increase the amounts I'll owe? Did company respond to # of requests that are not 'updating ' but confusion over who has received what? Did company respond to why this process is in its 9th month? COMPLAINT # XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-26 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: TX

Complaint narrative:
For the past several years I have had a collection account reporting by Transunion on my credit report. The account is by a company called XXXX XXXX on Behalf of XXXX XXXX. I have no knowledge of this account, I have submitted documentation numerous times. The collection agency has been unable to provide accurate identifying information to myself or to Transunion yet this account continues to exist on my report. It is re-verified despite proving the original contract does not even contain my signature, nor a correct address.

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 2020-06-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
I called Citibank twice during this pandemic to describe my hardship. I answered 4 phone calls from them when they called to tell me my bill was past due. On each of the 6 conversations I had with them each representative told me it was nothing they could do. The interest is mounting. I dont have the income to pay the bill and its a horrible position to put me in. My credit score went from XXXX to XXXX because of Citibank credit cards reporting and Unwillingness to help me during this difficult time.

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 2020-06-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: MORTGAGE FIRM, INC., THE
State: FL

Complaint narrative:
Called customer service XXXX to confirm that new mortgage had received payment and additional funds had been applied to principal. Two separate payments are being sent for the monthly payment to mortgage company. Talked with rep and then supervisor. They said they dont accept partial payments and this would cause errors. I received my statement for XXXX showing an overdue payment of {$480.00} when in fact 2 partial payments of {$700.00} had been received by this company 3 weeks earlier well covering the {$1100.00} payment. I called again on XX/XX/XXXX and talked to 2 different reps and the 2 supervisors, XXXX and XXXX. I ask to speak to the quality department or their manager but they both stated that there was only the supervisor. I only ask that the funds sent to them with my account number be credited in a timely manner every month to my mortgage. They are unable to do this. I am sending them my money to pay on my mortgage and this company can not guarantee where my money will end up in their payment process. This is unacceptable.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-26 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: PNC Bank N.A.
State: FL

Complaint narrative:
XXXX is serviced by Midland Mortgage, i asked for a forebeareance under the CARES Act in late XXXX. sent them paper. the had no response but in process, then told me in XXXX that they turned it down on XXXX XXXX. they claim that XXXX is my Lender. according to public records the loan was sold and securitized, i believe by XXXX XXXX. i am now in default with a special servicer, they claim they are not a GSE and therefore no Cares act. 
the law says any involment with Govt. even with securitized is eligible for cares act forebearance. by my states mandates i cant pursue actions against tenants and cant even put demand letters .totally unfair that XXXX  , midland mortgage., owned by XXXX XXXX XXXX XXXX and XXXX XXXX XXXX pass through certificates facilitator thru XXXX XXXX all get Government Welfare and the consumer doesnt

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: FIRST NATIONAL BANK OF OMAHA
State: PA

Complaint narrative:
I've had a credit card with First National Bank of Omaha ( FDIC  CERTIFICATE # XXXX ) since XX/XX/XXXX, I don't use it all the time. I have had a XXXX  balance for over a year, On XXXX XXXX, ( in the midst of the Covid-19 lock down ). I get a letter stating they had closed my account. I can understand that, so i called to ask if they could reinstate it because i do use it periodically. They said they could NOT re-open it, but I could fill out a new application and reapply. Here is my Problem. When they closed the account with no notice 1. that decreased my credit limit by XXXX dollars which means my the percentage of credit i'm using of my available credit went up. 2. it decrease my average length of time I've had credit. 3. by applying for a new credit card they will do a credit inquiry, These things will adversely effect your credit. I did call, the I emailed them through their website. " XXXX XXXX Customer Care Senior Specialist '' could care less, typical response - we take our customers correspondence Seriously and appreciate ... ... .. '' your credit rating/score effect interest rates on insurance, vehicles, etc. I think is a shame, while people were on lock down and other businesses were working to ease the pressures for people, FNBO was pulling credit from people who don't use their cards everyday but might actually really need them in the near future. While I '' m guessing, there is nothing we can do, I'm still electing to write my senator and congressmen and CFPB to let them know something should be done about these kind of things, especial in the midst of a world wide crisis, do banks really need to deactivating good customers lines of credit. I have other credit cards, but it's not just about me, what about people who might actually need their credit card now and this has been done to them. I think is a shame.

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 2020-06-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: MD

Complaint narrative:
My mortgage company charged me {$10.00} to make a payment online. Just a regular payment. It was called a one-time payment fee. Im being charged just for paying in full and on time ... .how is this legal? 

Company : Lakeview Loan Servicing

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 2020-06-26 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: NRA Group, LLC
State: MA

Complaint narrative:
This debt is a utility bill from a previous residence that included two other individuals that I no longer have contact with. I have payed a portion of this bill some time back and am working under the calculus that I do not owe further monies to this company due to paying my portion. 

Initially, this debt was listed as a collection on my credit report without any identifying information. After disputing this collection a couple of times and my credit report being updated to show the this collection was being handled by National Recovery Agency, I reached out via certified mail stating that I do not believe I owe further monies and to provide me with all account information including balance etc. ( this was taken from a letter on your website ). They signed for this letter on XX/XX/2020 and have not responded to my request. I would like to resolve this ASAP so that it does not continue to affect my overall livelihood.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: NY

Complaint narrative:
I paid my XX/XX/2020 payment to Shellpoint Mortgage Company using my electronic bill pay service through XXXX XXXX. The check was for {$1400.00}. Shellpoint Mortgage Company cashed the check and then stated they never received payment. I contacted them by phone for approximately 2 weeks. In the course of one week, my wife and I were sent more than 24 notices from Shellpoint Mortgage stated I was delinquent. I had my bank send the cancelled check as proof of payment to Shellpoint Mortgage in the beginning of XX/XX/2020. The check is dated XX/XX/2020 and on the bank it is endorsed on XX/XX/2020 by " New Rez LLC aka Shellpoint Mortgage '' Additionally, I sent the copy I received from the bank. I also sent a copy directly to a supervisor on XX/XX/2020. I am still getting calls from collection agents from Shellpoint Mortgage attempting to collect money I don't owe.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-26 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
See attatched USAA Mastercard Account XXXX XXXX Statement of XX/XX/2014 transactions {$100.00}. I DID NOT CHARGE TRANSACTIONS. I DID NOT OPEN THIS ACCOUNT. WHAT HAPPENED TO THIS ACCOUNT? HOW? WHY? ARE THERE NO RECORDS THIS ACCOUNT EVER EXSISTED. WHAT IS GOING ON AT USAA?? HOW LONG HAS IT BEEN GOING ON? 1 ) What method was used to ACTIVATE THIS CARD? 2 ) What date was it activated to post these transactions? 3 ) How it was " VERIFIED '' IT WAS ME? FURTHMORE : 4 ) USAA required under FCRA to have a copy of the Original Documentation a Consumer Application & Contract with my Signature to open this account as required under SECTION 609 a 1 A & SECTION 611 a 1 USAA have failed to provide Method of Verification as required under SECTION 611 a 7. This is in Violation of Federal Law. I DID NOT OPEN THIS ACCOUNT. I DID NOT ACTIVATE THIS CARD TO POST FRAUDULENT TRANSACTIONS.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Better Mortgage, Inc.
State: WA

Complaint narrative:
On XX/XX/2020 I locked in a rate with Better mortgage with a given set of terms. Once my hard credit was pulled, {$550.00} collected from me, the origination fee went up from XXXX to {$3000.00}. No explanation was provided and my e-mail and call was ignored after I tried to get an answer. I'm still actively trying to cancel my application.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
On XX/XX/2020 all my credit cards issued by Capital One were closed without any notice. A week later, I received letters saying " Capital One has observed activity on a pst or present Capital One account that is not consistent with the bank 's expectations for account activity. Unfortunately, it can't be reopened, and we are not able to offer additional information about this decision. '' I called Capital One asking for the exact reason. But Capital One refused to tell me. I recalled thoroughly all my card activities. The only possible reason I can recall is beside using the cards for purchase, I also did some balance transfers. Capital One credit cards do not charge balance transfer fee and if the balance on the statement is paid in full before the due date, there is no interest either. This is why I made balance transfers from other banks ' credit cards to my Capital One credit cards. This way I can have some more days to pay my credit card balance. I saw about this balance transfer feature of Capital One credit cards a few months ago online and till now many others ' Capital One credit cards are not closed. If Capital One do not like this activity, why Capital One approved the balance transfer request at the first place? If Capital One do not like this activity, why Capital One make this balance transfer feature available? You make out the rules and people behave according to your rules. You are the rule-maker, you can change the rule if you do not like it. But you can not suddenly arrest people saying that you do not like their activities. You are the rule maker, you can change the rule if you do not like it. It is not right to suddenly close all my cards without any warning first. I am always taking good care of all my credit cards and my credit history. The closure of all my Capital One credit cards hurt a lot on my credit history. The Capital One Quick Silver card is the first credit card that I have. Please reopen my cards. Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-26 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: PNC Bank N.A.
State: NJ

Complaint narrative:
Tried to link my pnc bank account with the app XXXX and other apps online and they never let me link my account due to pnc not allowing them to

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-26 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I was trying to buy my first vehicle and the salesman pulled my credit and told me that my credit was pretty bad for the amount I was trying to get approved for I asked him what was the problem with credit and he showed me my report. These are many derogatory items that do not belong to me. Please remove these items from my account. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, Company Inquiries : 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 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 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