vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-02-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: GA

Complaint narrative:
We have received NOTHING by mail but XXXX has apparently transferred our mtg without proper notification. I already scheduled my payment for XX/XX/XXXX online through the XXXX XXXX page it is their only option to pay online as I have since they started handling the loan. Top of page had red letter heading about IF YOUR LOAN WAS TRANSFERRED ... So when done I went to my email acct and logged in today XX/XX/XXXX and In an Email dated XX/XX/XXXX XXXX XXXX so at earliest if I checked emails everyday I would have recvd it XX/XX/XXXX I find a notice from XXXX saying they are transferring our loan as of XX/XX/XXXX. WTH? 
That is a 1 week notice for something as BIG as Changing where we send our Mtg payments? And NOTHING IN WRITING IN THE MAIL? And I am supposed to send my payments to Mr. Cooper DBA as Nationstar Mtg? This does not even sound real OR Legit, Mr. Cooper DBA? 
This is the email I received. 
XXXX To : XXXX XX/XX/XXXX at XXXX XXXX XXXX XXXX XXXX is the servicer for the loan ending in XXXX. 
You should have received a Transfer of Servicing Notice from us indicating that, effective XX/XX/XXXX ( " Transfer Date '' ), the servicing of your mortgage loan will transfer to Nationstar Mortgage LLC d/b/a Mr. Cooper ( " Mr. Cooper '' ). 
This means that Mr. Cooper will start accepting payments on XX/XX/XXXX at Nationstar Mortgage LLC d/b/a Mr. Cooper, Payment Processing, XXXX XXXX XXXX, XXXX, TX XXXX. If you have scheduled any payments for after the Transfer Date through XXXX XXXX XXXX, those payments will be cancelled and you will need to contact Mr. Cooper to reschedule them. If you use online bill pay through you financial institution, you will need to change the payment information to Mr. Cooper. 
Nothing about the terms of your mortgage loan will change. You should receive a letter after the Transfer Date from Mr. Cooper with your new loan number, additional information and instructions for setting up a new online secure account at www.mrcooper.com. In the meantime, you can find additional information on our website here. 
If you have not made your XX/XX/XXXX payment, you can still make your payment quickly and easily online until XX/XX/XXXX. Remember, all payments made on or after XX/XX/XXXX should be made to Mr. Cooper. 

Sincerely, Seterus , Inc . 

They say after XXXX won't even be able to access documents, but only documents available are tax XXXX no other files for transfer from B of A or anything have anything in them now ... 
XXXX provides no number for live contact via phone or email ONLY an address for sending LETTER. 
We have not been provided any phone numbers to call the new company either. 
Is the GOAL to stress and worry homeowners? I mean seriously I am supposed to pay My Mortgage to www.mrcooper.com?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Adler Wallach & Associates, Inc.
State: AZ

Complaint narrative:
This dept is not owed I was in jail at the time when the account was opened. I have proof of incarceration.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-27 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
In XXXX of XXXX, XXXX XXXX XXXX put a charge on my credit card for XXXX. There has been an ongoing dispute about this charge because XXXX XXXX XXXX has refused to provide services that were properly working. The result was I cancelled the service on XX/XX/XXXX and installed XXXX XXXX. I have been providing ongoing documentation to dispute this charge and all Capital One is doing is constantly putting the charge back onto the card. I have been unsuccessful in keeping the charge off of the card. As of XX/XX/XXXX the card was rebilled again for the charge. I was told on Saturday the XXXX XXXX that the charge will remain off because all the documentation including pictures were sent by the XXXX of XXXX. This was a lie.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-27 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: PA

Complaint narrative:
Yesterday on XX/XX/XXXX of 2018 capital one closed my credit card due to 3 return payments. After the first two retired payments in XXXX I called caplital one to see why the payments werent goin mg through. I talk to a supervisor she checked my account routing and transit number and made a suggestion that we check for accuracy on the number and it would be best to reset the account and routing number from my bank account. She then advised me to try the payment again and if it fails to call back. On XX/XX/XXXX I tried to make a payment of {$200.00} which also was returned. yesterday on XX/XX/XXXX I called Capital One to see what the issue was upon calling them I found out my account was restricted and then closed the same day. When I talk to the fraud department they said that my account was closed due to the THREE return payments and it was a violation of their policy .When I spoke to the supervisor from Capital One about the first to return payments she advised me to make another payment and if it returns to call capital One back I dont understand how my account was closed if I supervisor from Capital One are representative of Capital One advise me to make a third payment which led to the closure of my count I called capital One yesterday on XX/XX/XXXX to which they were not helpful at all they said that theres nothing they can do even though the supervisor from a previous phone call advise me to make a third transaction with my bank account. when I spoke to the supervisor from Capital One about the first to return payments she advised me to make another payment and if it returns to call capital one back I dont understand how my account was closed if I supervisor from Capital One are representative of capital one advised me to make a third payment which led to the closure of my account I called Capital One yesterday on XX/XX/XXXX to which they were not helpful at all they said that theres nothing they could do even though the supervisor from a previous phone call advise me to make a third transaction with my bank account

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-27 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: TX

Complaint narrative:
On XX/XX/2018 I logged into my account, looked at the ready to pay off this loan amount for online repayment, and chose the specify for each loan option and chose this loan to pay off the full balance of {$12000.00}. I went onto the account about a week later and noticed they distributed the payments between two loans and did not pay off the full balance of the one loan I specified. They applied {$3600.00} to this loan leaving me with almost a {$9000.00} on this consolidated subsidized loan and applied the remainder to the larger loan. This made it so my payments didnt decrease, I still have balances on both loans with a 6.25 % interest rate. The point of me paying it off was to decrease my debt and start to make a dent in my over {$80000.00} in student loan debt. When I called to complain they told me it was the department of education that redistributed the loan and that I couldnt do anything about it. I am never going to get these loans paid off if I cant take one loan at a time to pay off. These loans show two separate pay off amounts, I make two separate payments each month on them that get applied just fine. I wasnt behind on any of the payments and had made the payment for that month to the other loan already. They used my money how they wanted even though I specified where the money was to go and they had the option online to specify where the money is to go. Also, the full repayment amount for each loan is not showing as one lump sum, it is showing for each loan by itself. And although it let me specify which loan I paid at the time of each payment ( even standard monthly payments ), when you look at all the payments it doesnt specify which loan was chosen in the pending and past payment history. It is deceitful and completely unethical.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-27 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Med-1 Solutions, LLC
State: IN

Complaint narrative:
Repeated phone calls nearly every day. Sometimes twice per day and sometimes over and over. I have been making monthly payments on all separate accounts. There should be no reason for the calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-27 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
XXXX charged my Capital One credit card {$3600.00} for a vehicle that i did not receive or authorize on XX/XX/XXXX. I contacted Capital One and they gave me a temporary credit. they recharged my account in XX/XX/XXXX. I then called XXXX to further advise them that there had been a error and that i did not authorize or receive the vehicle listed on agreement. Furthermore XXXX stated that they would launch an investigation, however it is XX/XX/XXXX and i am yet to receive any sort of communication from XXXX and i am be charged over the limit and interest fees by Capital One.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC.
State: GA

Complaint narrative:
I recently received a copy of my credit report and I noticed that this company is reporting negative information against my SSN. I have never done business with this company. They have never provided me with any goods or services. I have no contractual obligations to this company yet they have reported to the CRA 's that I indeed do. I am requesting validation. Please send me a signed contract between me and your company. One that I signed and one you  signed. Copies of a copy is not legit. I would like to see the contract with my wet ink signature, detailed statements from the last 6 months, and how this alleged debt was calculated.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
I recently received a copy of my credit report and I noticed that this company is reporting negative information against my SSN. I have never done business with this company. They have never provided me with any goods or services. I have no contractual obligations to this company yet they have reported to the CRA 's that I indeed do. I am requesting validation. Please send me a signed contract between me and your company. One that I signed and one you signed. Copies of a copy is not legit. I would like to see the contract with my wet ink signature, detailed statements from the last 6 months, and how this alleged debt was calculated.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-27 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: BMW Financial Services NA, LLC
State: FL

Complaint narrative:
BMW financial has fraudently, illegally and intentionally reported erroneous information to XXXX. I contracted a lease agreement with BMW Financial in XXXX XXXX for amount of XXXX. The account number is XXXX When I disputed an error reported to XXXX Credit bureau , BMW Financial maliciously changed the contracted lease amount from XXXX To XXXX. Also BMW FINANCIAL keeps changing the Late date referencing a 30 day late so it can continue to reflect on my credit report. Ive included a correspondence showing what BMW reported to XXXX in XXXX and now XXXX BMW Financial is reporting a different contracted lease amount as well as a new XXXX date referencing when the payment was 30 days late. Im requesting BMW to report the lease amount of XXXX, XXXX that I contracted to and report truthfully that this 30 day late is more then 7 years old and needs to be deleted off my XXXX CREDIT REPORT. Dont let BMW financial get away with changing loan terms 7 years later. XXXX let XXXX XXXX get away with erroneous reporting well beyond legal statue limitations.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: SYNCHRONY FINANCIAL
State: DC

Complaint narrative:
Since I opened a XXXX XXXX XXXX credit card with Synchrony Bank, I have had nothing but problems with the " Reward Dollars '', which are the credits that you receive when you purchase items from XXXX XXXX XXXX. Every single month, Synchrony has either not given me the correct number of reward dollars I am due or not given me any of the reward dollars I am due. Each month, I call and complain and they eventually recognize the mistake, though it takes " an investigation '' and an additional billing cycle for them to correct it. 

This month, on XXXX, I spent {$1000.00} and should have received the usual 10 % in rewards ( {$100.00} ). I received no rewards for this purchase ( the statement says something about this purchase being a " deferred interest '' purchase but I have no idea what that means, as I did not ask for any special payment terms at the time of the purchase and I paid the balance in full the day I received the statement. ) On XXXX, I spent {$53.00} during a " double points '' weekend and should have received a {$10.00} in rewards points. I received only half of these reward points. In total, I should have received {$110.00} points this month ( {$100.00} plus {$10.00} ). I received {$5.00}. When I called, Synchrony, once again, recognized the mistake but said I had to wait another billing cycle to have it corrected.

To make matters worse, the rewards " balance '' total on the statement doesn't align with the rewards balance on the home page. The statement shows a prior balance of {$11.00} then adds the ( incorrect ) {$5.00} earned this month for a new rewards total of {$16.00}. However, my account on the web page shows a " previous reward balance of {$16.00} + {$5.00} earned this period ( I have no idea where this comes from ) - {$20.00} reward certificate ( which was never issued to me ) for a balance of {$2.00}. None of this makes any sense.

I have had credit cards for thirty years and have never had problems like this. It seems to me that this is their business model- to have a flawed/confusing reward system in the hopes that a large portion of people will not notice or will not take the time to have it corrected. It is not rocket science to have rewards accurately reflected on statements or, at worst, corrected in real 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 explanation
Consumer complaint received 2019-02-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
There were unauthorized transactions worth of XXXX grand and I was only notified once by the bank and their fraud department upon calling and speaking with the fraud department at TD Bank they said my card and account would be completely closed until the dispute was finalized. My dispute was denied because I was informed it was pin based meaning the suspect used my pin and account info along with personal information to do money orders. As soon as I found out I put a fraud alert on my accounts and attempted to reach out to the local police as well as making a complaint with the FTC. Now the bank is saying my account will go to collections and I have to pay them back XXXX grand.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-27 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I feel Experian is stand up for XXXX XXXX even though I got a business credit card for XXXX XXXX XXXX XXXX. This business credit info should be off my personal credit.

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 2019-02-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Convergent Resources, Inc.
State: GA

Complaint narrative:
I paid XXXX directly and by law, they must recall the account from Convergent, which Convergent agrees that they did. Therefore, Convergent has no legal reason to be reporting on my credit reports and must delete.

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 2019-02-27 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: FL

Complaint narrative:
XXXX XXXX XXXX has reported an account to credit reporting agency with wrong information. XXXX XXXX XXXX stated they submitted information to Experian and XXXX  to delete the collection account from my credit report. According to the reporting agencies, they stated they never received any information to delete. 

I have attached information from XXXX XXXX XXXX respond to CFPB that they had request this collection be deleted from my credit report. This error has caused a delay in closing on a home and financial hardship

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 non-monetary relief
Consumer complaint received 2019-02-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX has reported an account to credit reporting agency with wrong information. XXXX XXXX XXXX stated they submitted information to XXXX and Transunion to delete the collection account from my credit report. According to the reporting agencies, they stated they never received any information to delete. 

I have attached information from XXXX XXXX XXXX respond to CFPB that they had request this collection be deleted from my credit report. This error has caused a delay in closing on a home and financial hardship

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 2019-02-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: FIRST ADVANTAGE CORPORATION
State: KY

Complaint narrative:
First Advantage was performing a background check on me. One of the items that I wanted to dispute was an employment at XXXX while I was on assignment at XXXX XXXX XXXX during XX/XX/XXXX to XX/XX/XXXX. First Advantage wrote the wrong dates for my employment with XXXX. I gave them the phone number to contact XXXX at ( XXXX ) XXXX and to ask for Human Resources and to state that I was an internal employee at XXXX while I was on assignment at XXXX XXXX XXXX at XXXX XXXX XXXX XXXX, XXXX, California. The First Advantage customer advocacy person at XXXXwas rude and condescending when I told her that they did not have the right dates. I told her that I could do a three way phone call to call XXXX to verify the information. She said she couldn't do that. I then asked her if XXXX could call First Advantage to verify the information, and she said they couldn't do that either. Instead she said that they now have an extra 15 days to verify the XXXX employment information. And that the dispute team can not be contacted by XXXX, and that XXXX needs to wait for the phone call. First Advantage is intentionally delaying the background verification in order to gain more time.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-27 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: GA

Complaint narrative:
# Confirmation XXXX XX/XX/XXXX I have reported to Equifax multiple times by dispute that XXXX XXXX has a collections account on my profile that does not belong to me. I have reported this to them XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX that this account is un verifiable and incaccurate and should be deleted and removed. Equifax has an address and phone number listed that CFPB does not even recognize. How is that possible that the Goverment agency meant to govern collections does not have them llisted but Equifax does? 

I am requesting once again according to the FCRA guidelines and regulations that Equifax remove this account because it is unverifiable. 

I have enclosed copies of the documents from the CFPB

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-27 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: PA

Complaint narrative:
I was notified by XXXX XXXX that I would be doing business with Mr. Cooper/Nationstar mortgage I paid XXXX for XXXX and XXXX mortgage. Then a email XX/XX/2019 that Mr cooper took XXXX and  applied it to insurance without my permission. I notified them to tell them i sent check for insurance myself and they needed to get my Permission to apply money to insurance when im paying it myself. I dont like there tactics they waited until three days before due date to send me the information which i think is very sneaky

Company response to consumer: Closed with explanation