vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-03-08 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: SYNCHRONY FINANCIAL
State: WI

Complaint narrative:
On XX/XX/XXXX, I ordered several items from XXXX 's XXXX using my Synchrony Bank card. This order was broken into 3 shipments. On XX/XX/XXXX, one of the shipments was damaged in transit & returned to shipper. I called XXXX 's XXXX on XX/XX/XXXX to cancel it, since there was no indication of a new shipment. They told me their system would not allow me to cancel, & I told them I would refuse it unless it arrived in a few days. On XX/XX/XXXX, I called Synchrony at XXXX to dispute the total of {$57.00}. And, they opened an investigation. A letter dated XX/XX/XXXX arrived stating that all items were delivered, so I would have to pay. Two of the shipments did arrive, but the 3rd one ( for {$57.00} ) was delivered to somewhere in Texas. They sent me the XXXX printouts of all three shipments which clearly showed one delivered to Texas. The letter gave a phone number to call ( XXXX ) if I still wanted to dispute charges. You get a recording and can only leave your name & number. They promise to call back in 2 days. I called 4 times over a 2 week period. No one ever called back. I had also replied to their email asking if was satisfied, saying I was NOT. They did not respond. On XX/XX/XXXX, I called XXXX again. I told them I wanted the {$57.00} refunded plus finance charges on that amount. They told me they could not give me finance charges, but would refund the {$57.00}. I agreed, reluctantly. Later that day, I received an email stating that they would refund {$21.00}. They also requested that I return the items. I DON'T have the items. I simply can't deal with them anymore. While I did pay my last bill 2 days late, I paid all but the {$57.00}. Now, I want the entire refund - including finance charges. In all, I placed 7 phone calls to resolve this. Besides being inept, giving the phone number in the letter is a deceptive business practice which I believe is just meant to discourage any further action. I have recordings of all my calls, but not sure how to send them. It is so frustrating that they don't read their own documentation, that they won't refund finance charges, & that they use a bogus phone number for customers to call. This is unacceptable.

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 2019-03-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
On Thursday XX/XX/2019 we noticed {$1200.00} was taken from our checking account and was being sent to XXXX XXXX where we have our mortgage. Our mortgage is $ XXXX  monthly. Thinking we had forgotten to pay it we transferred another {$870.00} from our savings to make up the difference. It was all " pending '' to XXXX. I realized that I had received an email that we had ALREADY made our mortgage payment on XX/XX/XXXX or XX/XX/XXXX. XXXX is NOT authorized to take monies from our accounts. We make our payments ourselves through bill pay. We quickly went to Huntington Bank in XXXX on XXXX XXXX to request a stop payment. The banker we saw said he wasn't sure he could stop the payment but he would try. I asked what further steps we could take ... was there some federal agency or something that could help us? He didn't know. I consider this to be mortgage fraud. Checking out XXXX account today, the monies have not been received or distributed to our UP TO DATE mortgage. We don't know where the money went or why Huntington allowed to money to be taken from our accounts. My husband went back and I believe he opened a new checking account with Huntington in case this is a scam. Huntington is responsible for giving out {$2000.00} of our money without our authorization or permission. We are XXXX  citizens living on a fixed income. That money should be put back into our Huntington accounts or given to us in a certified check. How are we supposed to live if they just allow our fixed income to be taken out without our permission?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-08 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: SECURITY FINANCE CORP
State: TX

Complaint narrative:
Loan company called my wife who is not on the loan documents and without my consent and discussed balance, payments, etc. I believe they did not respect my rights as a consumer and my privacy was breached.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: LAND HOME FINANCIAL SERVICES
State: MS

Complaint narrative:
To Whom It May Concern, I am writing this letter of plea for assistance. My mortgage company has not been cooperative with obtaining my payoff. I requested a payoff and never received the payoff information as requested. Instead my lender contacted me asking me did I want to refinance. I told him I was selling the house and I need an active payoff. I never received a response from him when I asked to have a conversation. 

The mortgage company said they sent the letters out, but we never received any of the information stating that we had received any of the letter stating that we were being foreclosed. I requested a pay off in early XXXX XXXX of XXXX. My lender, XXXX XXXX, messaged me on XX/XX/XXXX to say, Hey XXXX, We got a payoff notice. Are you wanting refinance or sell the House? Would you have a few minutes to talk? XXXX XXXX -NMLS XXXX. I replied, Hey XXXX. Im selling the house. We can still have a conversation. I never heard from him. 

My title company requested a payoff early XXXX so that we would be able to close ; however, we get a notification before closing that the payoff was never received. I called the mortgage company and the young lady said she had record of it ; however, Land Home Financial and XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX office are both stalling. I had a buyer for a my house and it was supposed to close on XX/XX/XXXX. The house was supposed to close, but it was still stalling because they will not give a payoff. 

I requested assistance with my foreclosure packet and never received assistance. Land Home Financial ended our calls several times when I asked for help. I am not sure what to do because they are being uncooperative. Will you help me?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Westlake Services, LLC
State: FL

Complaint narrative:
Since XX/XX/XXXX I have requested to the financial institution a letter of pay off. They have said that they have sent the letter since that day. And today I called to reassure of the letter and they do not want to send me the letter by email. They are saying that they have sent the letter by mail. To me it is very important to have this letter in my possession that states that I owe nothing to Westlake Financial and to make sure that the balance is XXXX in my account. So it can be reported to the credit bureau. Today I received a Marshall to reposes the vehicle. Which I understand is incorrect. This case me XXXX because Westlake is not working on the right way. The first thing they had to send that letter it was me. The person that I spoke today of the compliance dealer told me that they had nothing to do with that. When as of right now I do not have any evidence that in reality the dealership repurchased the contract for the vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-08 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Diversified Consultants, Inc.
State: CA

Complaint narrative:
In XX/XX/XXXX I was receiving phone calls from a number I did not recognize and no messages where left. I called the number and a representive stated I owed a balance and they would be placing a negative mark on my credit report if I did not pay the balance immediately. At which time I asked the representative for or a verification of debt from the company to be mailed to my residence and as of XX/XX/XXXX, I have yet to receive any verification of debt or anything regarding the debt. I want this removed from my credit report and never be placed on my credit report again. I do not owe the bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LoanCare, LLC
State: FL

Complaint narrative:
Please note that the category selected is the best fit, but is not the actual challenge we have. This is not an application or re financing request. 
My conventional mortgage closed on XX/XX/XXXX with XXXX XXXX XXXX, and was quickly transferred to LoanCare XX/XX/XXXX. 
I am a married Florida full time resident, and both my wife and I reside in the property. 
Only my name is on the title of our marital home. 
We have been seeking to add my wife 's name to the Deed to reflect joint ownership of the property. As they have a financial interest in the property we have been seeking the written permission of the mortgage company to do so. 
My attorney has sent two ( 2 ) letters and our requested written response has never been received. The mortgage company claims not to have gotten the first letter of XX/XX/XXXX. The second letter was sent on XX/XX/XXXX via certified mail and a response was requested within 21 days. 
We have not received any response from Loancare.

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 2019-03-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC
State: DE

Complaint narrative:
XXXX XXXX XXXX XXXX has not responded to my escalation of wrongful appeal denial by Fay Servicing for my request for mortgage assistance submitted XX/XX/XXXX. XX/XX/XXXX, XXXX XXXX XXXX XXXX through its attorney at XXXX, XXXX has requested to the Court to proceed in its Motion to Substitute Parties in foreclosure action XXXX filed at Delaware Superior Court in XX/XX/XXXX. My mortgage loan was transferred to XXXX XXXX XXXX XXXX in XX/XX/XXXX. XXXX XXXX XXXX XXXX is engaged in dual-tracking through Fay Servicing ( Loan Number XXXX ) in its pending motion is to substitute parties from XXXX XXXX to XXXX XXXX XXXX XXXX to proceed in judicial foreclosure. 

Fay Servicing is under an active 5-year Consumer Financial Protection Bureau ( CFPB ) Consent Order ( File No. XXXX ) for among other things, its violations of mitigation procedures ( 2 CFR 1024.41 Loss Mitigation Procedures ).

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-08 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
I've been attempting to pay off my student loan with Navient for some time now, and after a fight to scrape together enough money to pay it off. So I contact Navient and arrange to make my full payoff amount and have my account closed. Since I do not trust them I mail out the check. I'm not giving these crooks access to my bank account. I'm told on the phone as long as they receive the check within 7 business days, I wouldn't be charged interest and the payoff amount will remain the same. I also told that they will close my account when the check is cashed. Navient gets the check 2 business days later and cashes it that same day. 

I log back into my account a week later to confirm that my account is paid off and closed. Not only is my account still active its accruing interest and I now owe {$3.00} on a loan that has been paid off in full. 

So I call them and go ballistic. I've read online how Navient does this to borrowers and makes it impossible for people to pay off their student loans. Navient said that since its under {$5.00} they will waive the fee. 

I need confirmation that this fee is waived and my account is closed as paid in full. I do not trust them to honor their word, they are a horrid company.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
In XXXX of XXXX I was forced to stop working for health reasons so I got behind on my car loan with XXXX XXXX XXXX XXXX ( XXXX ). I several attempts to put 2 payments at the end of my loan which XXXX allows you to do twice in the life of the loan. The first time I file the paperwork I apparently had my account number wrong even though XXXX sent me an email saying the money was debit from my account. The 2 times after that I was told you could only be 60 days behind, once I was 61 days and the lastest attempt on XX/XX/XXXX, I was told I was 63 days late so I had to make another {$400.00} payment along with {$390.00} for interest changes. I was unable to meet the financial burden asnInhad just pay {$200.00} in reposession fees along with a {$400.00} payment. On XXXX XXXX, the day before my car payment was due, XXXX took {$300.00} of my daughters ( XXXX XXXX ) {$390.00} XXXX XXXX payment as in was deposited into our joint account. I immediately called XXXX and was told that it was in the fine print of my car loan that they could take any moneys out of any account my name appeared on. I read the loan agreement called back XXXX, told them it wasnt in my agreement and asked them to send me a copy, the did not. On XXXX XXXX XXXX from Citizens Bank Collection department called to say I was 38 days behind, so I told her you just took {$300.00} out of my daughters XXXX XXXX she we would not have done that it would be fraud. XXXX put me on hold spoke with someone at XXXX, then told me oh we can take money out of your account it is in your agreement with for your checking account, which I have read all the documents I was given with my bank account and never saw that. I asked XXXX to give my Daughters money back and they refused. In all the months I have been behind in my car loan XXXX has not ever take mine or my daughters XXXX money, as I read they are not allowed to. Citizens Bank will not allow me to download any transactions from my car loan, Ihave attached the transactions from my joint account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I am living in an area under a declared State of Emergency and have been since XX/XX/2018. Capital One continues to rack my debt up in the hundreds and I can not afford to pay this. I do not have a home, and the money I make goes towards normalizing my life again. I used my capital one credit card days before Hurricane Michael destroyed my home and fully intended to pay it off. Its not do-able right now. They call me every day and leave messages and they continue to rack up my late payments even after telling them Im in a state of emergency. Ive attached photos of my home and area.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-03-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
My mortgage was transferred from XXXX to Mr Cooper at the end of XXXX of XXXX. 

The mortgage service change resulted in two issues : 1 ) Mr. Cooper recorded a payment on XX/XX/XXXX, but did not include this interest in the XXXX for XXXX. My XXXX XXXX is now incorrect by over $ 1500+ in interest. I need a correct XXXX to file my taxes. 

2 ) When transferring the loan, Mr. Cooper incorrectly applied the XXXX payment twice ( on XX/XX/XXXX and XX/XX/XXXX ). I noticed this in XXXX and contacted Mr. Cooper via phone, however they claimed " Everything is correct ''. I received a letter dated XX/XX/XXXX from Mr. Cooper claiming I have a negative escrow balance for taxes and insurance paid on my behalf. This is incorrect, as I have never had an escrow account with my mortgage nor have they paid any taxes or insurance for me. 

Mr. Cooper is now demanding I pay an extra {$180.00} for the next twelve months to correct their mistake. 

I called Mr. Cooper once again on XX/XX/XXXX, and was told they would review my account and get back to me within 10 days. It is now XX/XX/XXXX and I have yet to hear any response. Online, my account still reflects an escrow balance. 

Please see attached letter from Mr. Cooper, call logs, account activity, and screenshot from Mr. Coopers website showing I do not have an escrow account. 

I have always paid my mortgage on time, and I do not have an escrow. I can not afford to pay an extra {$180.00} for the next year.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-08 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: Navient Solutions, LLC.
State: TX

Complaint narrative:
They are over charging me. They re also processing payments wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-08 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: Leap Credit, LLC
State: TX

Complaint narrative:
I visited this website on XX/XX/2019 to see about an online payday loan. Upon entering my information the loan was shown as only being available for {$250.00} and I choose not to proceed and closed out of the website, however I received an email and text message that my loan was approved for {$600.00} and the company has stated they have my signature but I adamantly would not have taken a payday loan for {$250.00} and was not emailed nor given any information regarding {$600.00}. At this time I have had to contact my bank in order to make sure that this loan is not funded and this company does not have any further access to my account. Upon my call to the company the woman proceeded to remind me that I did this, this is a 600 % interest rate which should be illegal and I did not want this at all. I have contacted my bank and made sure to get this money stopped from being deposited but I do not trust that this company will not try again or that they aren't using other lenders as their documents show different names : XXXX XXXX XXXX XXXX XXXX or Leap Credit or XXXX XXXX XXXX XXXX XXXX. I also do not see ANYWHERE where I signed anything or even entered my initials.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-08 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Patient Accounting Service Center
State: KS

Complaint narrative:
Received collections letter from XXXX regarding medical debt i owed, asked company to produce verification of debt, debt verification not produced, continued to receive harassing letters, phone calls etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-08 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XX/XX/XXXX - XXXX XXXX XXXX XXXX XXXX- FIRST REPORTED DISPUTE - XX/XX/XXXX - RESULT XX/XX/XXXX WITH TRANSUNION- NO CHANGE ON INACCURATE BALANCE DUE.

DISPUTE -XX/XX/XXXX- RESULT BACK XX/XX/XXXX WITH TRANSUNION - FOR DUPLICATE ACCOUNTS And would like to know why and how they are allowed to continue to damage my credit with this inaqurancy?

Also according to credit report accurancy, the account has it 7yrs on my credit report as of XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-08 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: LEXISNEXIS
State: OH

Complaint narrative:
I am having major issues with fraudulent addresses appearing on my credit report. 
The following addresses are not mine possibly a relative or friend. I live at XXXX XXXX XXXX XXXX OH, XXXX this is my current and only address. 
XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX   XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-08 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:
I have in my credit XXXX XXXX XXXX, account XXXX, has 2 late payments in XXXX and XX/XX/2018, I do not recall to have this late payments, I request the removal of these inaccurate information.

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 2019-03-08 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I have in my credit XXXX XXXX XXXX, account XXXX, has 2 late payments in XX/XX/XXXX and XX/XX/2018, I do not recall to have this late payments, I request the removal of these inaccurate information.

Company response to consumer: Closed with explanation