vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-02-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Seterus, Inc.
State: CT

Complaint narrative:
3-4 years ago my mortgage was sold by XXXX to a company called Seterus. Since then I have so many payment problems. My bank has sent them a mortgage payment 2x,  both occasions the payment was never received!! I get hit immediately with penalties. I have paid several times through their online payment system, again these payments failed and I got hit by penalties. Always penalties. The only way to pay my mortgage is to actually call them up every month and authorise same day debit from my account. Always so many extra fees ... I have reached out through social media and found hundreds of people suffering the same way. 

We now realise that Seterus are scammers, just looking to frustrate mortgage holders to screw extra fees every month. This is a consumer racket, and the public is being fleeced. I am a member of this XXXX page - https : XXXX. Please investigate them, they are fraudsters

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 2019-02-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
I have previously filed a complaint no. XXXXMr Cooper responded to us via us mail.But again their explanation was full of inaccuracies and false information.They haven't updated their system with any current information and instead are using information provided by them by the previous lender. 
The person in charge of the escrow review is not responding to voice mails.Her name is XXXX XXXX XXXXShe 's the one that responded to the complaint using fraudulent numbers from previous lender. 
My husband and I spoke to an escrow supervisor on XX/XX/19 and we asked him to escalated our issues to upper management.We haven't heard from anyone. 
I feel that MR. cooper is committing mortgage fraud and are using misleading information to collect additional escrow without gathering the precise numbers.They are using insurance and taxes amount due for my property that aren't right.Furthermore they are lying to me as well regarding where they are getting these numbers. 
Perhaps they do not understand that mortgage fraud is a crime. 
I can not understand why the CFPB allows these companies to commit fraud and get away with it. Ii advice them that either resolve this matter correctly or I will contact my local FBI office and escalate the issue.After all mortgage fraud is a federal crime.Maybe your office can escalate this matter to them as well since Mr.Cooper is not been straightforward with my problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-02 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: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
The original balance was XXXX. They gave me a minimum payment amount of XXXX. I gave a XXXX payment that was never credit and the charges doubled to XXXX. The payment was never credited

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: AES/PHEAA
State: FL

Complaint narrative:
RE : XXXX University / XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX # XXXX XXXX, FL XXXX Phone : ( XXXX ) XXXX Website : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Transaction Date : XX/XX/XXXX Amount Paid : XXXX Payment Method : Personal Check or Bank Debit XXXX Falsified Multiple Federal and State Documents under my student Identification number ( XXXX ) applying my federal grants and Federal loans for semesters after my withdraw from the university on XX/XX/XXXX . Semesters that were falsely applied ran from XX/XX/XXXX-XX/XX/XXXX. 
Pell Grant amount applied- {$3500.00} Stafford Subsidized Loan- {$3500.00} Stafford In-subsidized Loan- {$6000.00} Student Payments expected- {$670.00} Scholarship Used- {$750.00} Funding Plan ID : XXXX Version : 1 Generated XX/XX/XXXX Regardless of Withdrawal this amounts were authorized and processed. Eventually reflecting as negative accounts on my credit score for years. An stoping me from continuing my education because a the school refused to release my transcripts. 

Taxes were filed on a XXXX XXXX XXXX XXXX. 
XXXX XXXX University XXXX Filer Federal Identification no.XXXX Student SS # XXXX Payments Received {$6400.00} Scholarship or Grants {$1700.00} Service provider/Acct. No. XXXX

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

Complaint narrative:
Experian shows a credit card account which is not mine. The account shown by Experian is : XXXX XXXX XXXX, Account # XXXX, reported as opened XX/XX/2003, with a current balance of {$10000.00}. I have never had, nor been associated with, a revolving credit card account from XXXX XXXX XXXX opened on XX/XX/2003. Despite numerous calls to Experian, and further attempts to remove this incorrect information, they have not done anything to remove this fraud. This incorrect information is causing me considerable damage to my credit reputation and needs to be removed pursuant to the FCRA, which states that only correct information be reported to a credit file.

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 2019-02-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS
State: FL

Complaint narrative:
LexisNexis has been notified of mailing address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, Florida XXXX COMPLAINT Violation : The three credit bureaus within the past 30 days has stated LexisNexis has provided my information that is under a security freeze in violation of Florida 501.005. 

The 2018 Florida Statutes Title XXXIII REGULATION OF TRADE, COMMERCE, INVESTMENTS, AND SOLICITATIONS Chapter 501 CONSUMER PROTECTION View Entire Chapter 501.005Consumer report security freeze. 
( 1 ) For purposes of this section, a security freeze means a notice placed in a consumer report that prohibits a consumer reporting agency, as defined in 15 U.S.C. s. 1681a ( f ), from releasing the consumer report, credit score, or any information contained within the consumer report to a third party without the express authorization of the consumer. This section does not prevent a consumer reporting agency from advising a third party that a security freeze is in effect with respect to the consumer report. For purposes of this part, the term consumer report has the same meaning set forth in 15 U.S.C. s. 1681a ( d ). 
( 2 ) A consumer may place a security freeze on his or her consumer report by : ( a ) Making a request in writing by certified mail to a consumer reporting agency. 
( b ) Including information that properly identifies the consumer. 
( 3 ) A consumer reporting agency shall place a security freeze on a consumer report no later than 5 business days after receiving a request from the consumer. 
( 4 ) The consumer reporting agency shall send a written confirmation of the security freeze to the consumer within 10 business days after instituting the security freeze and shall provide the consumer with a unique personal identification number or password to be used by the consumer when providing authorization for the removal of a security freeze on his or her consumer report pursuant to subsection ( 5 ) or subsection ( 11 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-02 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 — Problem with personal statement of dispute
Company: Navient Solutions, LLC.
State: GA

Complaint narrative:
I attended XXXX XXXX XXXX in XX/XX/XXXX and the school closed in XX/XX/XXXX, applied for a student loan forgiveness and I was told I cant get it

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: GA

Complaint narrative:
PMI Cancellation : I paid the balance of my mortgage down to below 78 % loan to purchase price on XX/XX/XXXX. I was informed when I had paid the mortgage down to 80 % that i needed an appraisal to cancel PMI, or if I paid it down to 78 % it would go away immediately. Since then, I have been educated on the Homeowners Protection Act. 

A PMI payment was withdrawn on XX/XX/XXXX. I contacted the company on XX/XX/XXXX, and they said I needed to put in a formal request, which they did at that time. They said it could take 3-5 business days. Between XX/XX/XXXX and XX/XX/XXXX, I followed up again, and was told my request was pending, and I received inconsistent information on how long it would take to process. I did not record the date for this call as I thought they were working with me at the time. 

I followed up on XX/XX/XXXX, and was then informed it would take a month from my request on XX/XX/XXXX. I asked for confirmation as I had been told 3-5 business days multiple times before and they refused to send any written confirmation. They told me to send an email, which I've attached. I was not contacted. 

On XX/XX/XXXX, another PMI payment was taken out of my escrow account. I called on XX/XX/XXXX, and they said someone would call me in 24 hours. Nobody contacted me, and I followed up on the evening of XX/XX/XXXX, and I was told that the automatic cancellation was not 78 %, it was 75 %, which is inconsistent with the Homeowners Protection Act and my mortgage documentation. They also told me my LTV was at 79 % in their system, when it has been at 77.99 % since XXXX, and shows at 77.99 % on the customer portal. I asked the representative what they were showing as an outstanding balance, and the amount he told me was the correct outstanding balance, which equated to 77.99 %, but he still told me my loan was at 79 %. 

They refuse to let me talk to a supervisor, they refuse to call back. I believe they are intentionally giving me a difficult time, conflicting information and ignoring me because I have called so many times on the matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-02 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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I attended XXXX XXXX XXXX in XXXX and the school closed in XXXX, applied for a student loan forgiveness and I was told I cant get it

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 2019-02-02 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 — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I attended XXXX XXXX XXXX in XXXX and the school closed in XXXX, applied for a student loan forgiveness and I was told I cant get it

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-02 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I attended XXXX XXXX XXXX in XXXX and the school closed in XXXX, applied for a student loan forgiveness and I was told I cant get it

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 2019-02-02 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: SCA Collections, Inc.
State: SC

Complaint narrative:
Scam collections is reporting two accounts on my credit report one for a  XXXX balance and one for XXXX. I have not received information from them reguarding the balances owed and even after trying to pay just to have it cleared off of my report SCA Collections refused to remove the paid balance and is still Showing XXXX on my credit report. I do not believe these bills to be accurate or factual and have received no Information from SCA to prove they are. Please delete both accounts from my report

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 2019-02-02 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: SUNRISE CREDIT SERVICES, INC
State: NE

Complaint narrative:
Consumer does not owe a debt. Consumer is formally notifying debt collector ( Sunrise Credit Services , Inc. ) of legal reason 's why consumer has rights to dispute debt and refuse to pay a debt consumer does not owe. ( 1 ). Consumer has no fiduciary or contractual obligation to a third party debt collector because there is no exchange of any benefit or detriment with ANY future collection agencies, junk debt buyers ( JDB ) or collection law firms. There will be no enforceable agreement. No payment history, nor products, or services has been rendered to such entities because these elements do not exist ; there is a 'failure of consideration ' and no valid agreement, contract or fiduciary obligation under federal law that requires payment to such parties. ( 2 ). Consumers sole income is Social Security income which is federally protected income under the Social Security Administration Act ( SSA ) ; Sec. 207. [ 42 U.S.C. 407 ] ( a ). Consumer has a copy of consumers Social Security Award letter as proof positive protected income. Please be advised : Under compilation of the Social Security Laws Section 207 [ 42 U.S.C. 407 ] ( a ) which states : the right of any person to any future payment under this title shall NOT be transferable or assignable, at law or in equity, and none of the moneys paid or payable or rights existing under this title shall be subject to execution, levy, attachment, garnishment, or other legal process, or the operation of any bankruptcy or insolvency law., whether consumer gives permission or not a consumer does not have the authority to authorize garnishment of a federally protected account. Under Nebraska Revised Statute Section 25-1563.01. ; the same Supreme Court ruling applies in this matter. ( 3 ). Consumers protected income presents a genuine issue of material fact that if a summary judgment is granted ( after receipt of this formal notification ) it shall be construed as a deceptive, frivolous, abusive and harassing process that can garner monetary retribution for consumer. Consumer is impoverished and refuses to be a victim of unjust enrichment and extortive tactics. Furthermore, a federal ( and civil ) lawsuit will ensue if consumers Social Security income is tampered with after receipt of this formal notice. Consumer thanks the CFPB for all it does to mediate and protect the rights of Consumer 's in this venue. Consumer will NOT respond to any ( PERSONAL ) emails from representatives of Sunrise Credit Services , Inc., sent to consumer beyond the " CFPB consumer portal '' ... ... due to a personal email provided in this venue.

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 2019-02-02 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: EQUIFAX, INC.
State: NC

Complaint narrative:
XXXX Submitted investigation on XX/XX/2018 with the above complaint number XXXX. It has not been resolved. The credit bureau is taking longer than 30 days to resolve this issue. It is now XXXX, XXXX without any additional information from Equifax other than they are investigating this. The time has passed for this issue.

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

Complaint narrative:
My loan is a parent plus loan with Navient. Loan # XXXX. The loan was originally consolodated for 30 years. I asked Navient to refinance for a shorter period of time and they told me I couldn't. Additionally I've noticed throughout the loan that they keep adding a thing called " capitalized '' interest. Nobody has been able to explain to me what that means. They are adding interest to my loan on a daily basis and periodically adding lump sum interest amounts to the loan. I've been paying on the loan for 2.5 years and my loan amount has gone up instead of down. 
I applied through student loan.gov to refinance the loan and change service companies. Navient blocked by ability to go with another service company. I had chosen XXXX. Instead they changed my loan to a 12 year payback. I had requested a 10 year payback with XXXX. I'm attaching the document so you can see how my loan terms have changed in just the last 30 days. Additionally on XXXX XXXX it showed my unpaid interest was {$480.00}. I made a payment of {$490.00} thinking they would finally apply a partial payment to the principle. The next day they added {$3800.00} in " capitalized '' interest therefore negating any money being applied to the principle. As of now I have not had {$1.00} applied to principle in 2.5 years. 
I called Navient and asked for an audit of my account with a printout of my accumulated interest for 2 years. I told them I did not want a generic letter. I did not get the audit and instead got a generic letter advising how they calculate interest on a loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-02 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: WLCC
State: NJ

Complaint narrative:
In XX/XX/2017 I applied for a loan on the website myfullwallet.com. It was not clear that it was a payday loan scam. The APR was between 400-700 %. For example, they would deposit small amounts into my account continuously through the past months and withdraw large amounts. ( Deposit XXXX, withdraw XXXX ). For every {$10.00} paid towards the principal they incur a fee of {$210.00}. The loan that I applied for was for $ 400-790 and they have charged me {$10000.00} in the past year and a half. 

My husband discovered this while reviewing our finances. I did not know they were continuously withdrawing large amounts of money every two weeks. I attempted to remove my bank accounts from the account but they refused and kept taking more money out. They claimed that they were going to write off the debt, but the following day they withdrew another XXXX . My husband disputed some of the charges from our bank and attempted to block them from withdrawing money but they keep taking money. There is a check they withdrew under my name with an illegitimate address that is for {$210.00}. 

Upon further investigation, my husband and daughter discovered that this kind of loan was illegal in the state of New Jersey. This company claims to operate under tribal laws that no state of US government jurisdictions can challenge. 

I went into my emails to find the loan document but it operates under the name XXXX/XXXX. These two companies along with myfullwallet are the same and are pay day loan scams. The document has an illegitimate e-signature that I did not sign. I did not realize this was happening and in no way did I consent to pay over 10000 for a XXXX loan.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-02-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I am an XXXX duty Military member and a holder of the Chase XXXX XXXX credit card. When I first applied for the card I applied to get the annual fee waived under the Servicemembers Civil Relief Act. Chase informed me that because I was on XXXX duty when I applied for the card, I was not covered under SCRA. I recently learned that Chase was now waiving fees for XXXX duty members who applied for the card after XX/XX/2017 under the Military Lending Act. When I called Chase on XXXX to inquire if I could get my fees waived as I am XXXX duty and a holder of the credit card, the military customer service agent informed me this only applied to XXXX duty military who applied for the card after XX/XX/2017. When I further inquired if I could cancel the card and reapply to take advantage of a benefit entitled to all XXXX duty military personnel, I was informed that there is a mandatory 24-48 month duration between closing and opening an account. The fact that new members enjoy this benefit and long standing loyal customers do not seems completely arbitrary and borderline predatory. I would like to see a resolution come about where myself and many other XXXX duty members are not penalized for applying to this card prior to the XX/XX/XXXX enactment date.

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

Complaint narrative:
After sending information to verify myself with my disputes, TransUnion has failed the to respond to my disputes within the 30-days time period per FCRA. The following item should be removed from my credit report. 

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