vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-03-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: NATIONSTAR MORTGAGE LLC
State: AZ

Complaint narrative:
XXXX ( NMLS # XXXX and Nationstar Mortgage are dishonest and use false advertising to get customer. XXXX told me that I qualified for a 3.8 % refinancing. When I decided to us him, the final interest rate was not 3.8 %. He will the low interest rate to attack customers. When I ask him what changed, he will give you the attitude and say " this is how it works ''.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-21 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: PNC Bank N.A.
State: FL

Complaint narrative:
On XX/XX/2016 I opened up a checking account that had a {$300.00} sign up bonus. After I met the requirements, I contacted PNC via chat. I was told the requirements for direct deposit and debit transactions was complete. I also inquired if there was a minimum balance I needed to keep in the account and I was told no.When my bonus did not post, I inquired again and was told an investigation would be initiated. When I did n't hear back, I inquired again and was told I had not met the requirements. In addition, I was charged a {$25.00} checking fee for not keeping {$1500.00} in the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-21 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
Under the Fair Debt Collection Practices Act, a debt collector CAN NOT : 1. Call before XXXX or after XXXX. or at any time or that they are given notice that it is inconvenient to call ( FDCPA 15 U.S.C. 1692c ) 2. Cause a telephone to ring an unreasonable amount of times ( FDCPA 15 U.S.C. 1692d ) 3. The FDCPA considers repeat calls as harassment. [ 15 USC 1692d ] 806 ( 5 ) 4. If you make a written request for the collector to cease communication, it can only contact you one more time, via mail to let you know one of the following : that further efforts to collect the debt are terminated, that certain actions may be taken by the collector, or that the collector is definitely going to take certain actions. [ 15 USC 1692c ] 805 ( c ) 5. Violation of Fair Credit Report Act by listing this disputed account XXXX on XXXX credit bureaus, causing more negative credit factors and lowered scores- Sending false information to the credit bureaus ( FDCPA 15 U.S.C. 1692e ) It is my contention and intention to prove that the defendant has violated the aforementioned consumer protection acts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-23 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Phoenix Financial Services LLC
State: FL

Complaint narrative:
This debt was not mine, I had it removed from XXXX credit reports while it was under the name of a different collections agency. Now, I am getting harassed by a new company called Phoenix financial regarding this previously deleted account. I feel very uneasy about this issue. I was yelled at over the phone, and was told that I am basically a bad person for not paying my " debt '' by the collector. I do not deserve to be treated this way, especially for a debt that I had been cleared of already.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-06 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: MA

Complaint narrative:
I went from XXXX to XXXX loan, tranferrred to XXXX loan. 
I was paying {$690.00} a month affordable. II went in to pay one month about 4 years ago and XXXX was like we need more. They wanted {$1200.00} then {$1500.00} a month my entire monthly income amount. I tried to modify and they sold to XXXX and they recently sold to Bayview. ANow I am scheduled for auction on XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-25 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: WI

Complaint narrative:
Over the past 10 years of home ownership my wife and I have had a mortgage with at least XXXX different lenders due to our mortgage being sold or refinanced. We have stayed in the same home in that time frame but have continually paid more than the minimum payment required with the goal in mind to pay more principle off our mortgage putting ourselves in a better financial position for future financial goals. Starting in XX/XX/2016, our current mortgage company, applied the overage of the payment we made as a credit to the following month 's payment of interest and escrow instead of applying the overage of the payment to principal for the XX/XX/2016 payment. As a result, our statement showed our payment itemization as 2 principle payments, 2 escrow payments, and 2 interest payments on the single statement in XX/XX/2016. This was very confusing at first because the second interest and escrow payments were not identified separately to show they were payments for the following month. I only discovered that upon calling to inquire about the statement. I realized at that point how important my record of payments was because there was nothing else to prove that I paid extra other than my record. ( the mortgage statement and my banking statement ) I informed the mortgage representative that I always want my overpayment to apply to the principle. The representative informed me that this was not an error on their part but simply a systematic software issue whenever there is a complete double payment on the mortgage. The representative then assured me that the issue was resolved and would not happen again. I was satisfied with the end of the conversation at that point. However, the same issue occurred again in XX/XX/XXXX of last year and 2 additional times after XX/XX/XXXX for a total of 4 times in 13 months. After speaking with at least 9 different representatives of the mortgage company including 2 different supervisors over 13 months, I have concluded that the mortgage company is incapable or unwilling to satisfy my needs as a customer. It seems to me that it should be basic good business practices for a mortgage company to apply all of any current months ' payment to the current month as it is paid in the current month to avoid any conflict. In other words, in my case payment should always apply to that months interest and escrow with all additional payment applying to principle. Applying any payment to any other month should only be done as agreed upon by both parties. My wife and I have never made such an agreement.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-01 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: OH

Complaint narrative:
I lost my job a few months ago and incurred a small overdraft fee of {$110.00}. I did n't have any funds to pay so my account sat in the hole a while. I finally obtained a new job and called Citizen 's Bank on XXXX XXXX, 2017 to ask if it would be ok if I set up a direct deposit into this checking account. I understood they would take the {$110.00} from the direct deposit balance but the representative explained that everything would be fine to set a direct deposit with a funding date of XXXX XXXX, 2017 and there would be no negative impact on my account. I set up the direct deposit with my employer and also filed my federal tax returns to be deposited into this account. Pay day comes and my card declines at the store, I checked online banking and the account was showing as closed and charged off. I called customer service and they said to speak with recovery, recovery said that although I was clearly misinformed and my account was set to charge off, there was no way to keep my same account information. I called customer service several times, escalated through different departments and received different answers from each representative I spoke with. A rep even hung on me after placing me on " hold ''. I was directed to my bank branch, where the manager told me to my face that she had full " discretion '' to open a new account for me but refused because of the negative balance. I explained several times that the direct deposit was set up and that I was told to set it up by Citizen 's Bank so that debt could be paid and my account would remain open. With this confusion Citizen 's refused to recover my original account. I did n't have access to my paycheck for another week and had to borrow money from friends and pay back with interest, I had to change all my banking info with HR which could cause a delay with my next paycheck, and I also am not able to change my account info on my tax return which will now cause an approximate 10 week delay on my refund because a papercheck will need to be mailed after the bank rejects the funds to the closed account. I 've already been out off work for 5 months and need immediate access to any funds available to me. The bank giving me this misinformation has put me in a tough situation financially and no one helped me and I was treated like XXXX by almost everyone at the bank. I would have never set up direct deposit for a closed account. I would have paid the {$110.00} ( hence me trying to make arrangements ) and set up my direct deposit for a different account. I have no clue when I 'll get my taxes and I need to catch up on bills I fell behind on being out of work.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-04-07 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: ALLY FINANCIAL INC.
State: IL

Complaint narrative:
Sent an electronic message to Ally customer service via their website asking " I can transfer funds with next day delivery using your website from my XXXX account, but if I schedule recurring transfers there is a several-day delay. Why is this the case? Can you fix it? '' I received what I feel was a complete non-answer, what appeared to be boilerplate text describing their manual funds transfer policy.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-08 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I sent Trans Union a request to remove XXXX unauthorized and unverified accounts from my credit report. These accounts are incorrect and Trans Union Violated Section 609 of the Fair Credit Reporting Act by not verifying signed Consumer Contracts PRIOR to reporting accounts on the credit profile.

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 2017-03-06 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I contacted Experian about my incorrect credit 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 2017-03-09 00:00:00
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: NAVY FEDERAL CREDIT UNION
State: MA

Complaint narrative:
Good morning, I have had an account with Navy Federal Credit Union ( NFCU ) since XXXX. During the past 10 years I have experiences unethical and unprofessional business practices by all " customer support '' representatives affiliated with NFCU to include but not limited to, Debiting debt Payments from a youth savings account without permission or notification, allowing loans and credit cards to be opened without my consent or knowledge, especially XXXX which was specifically granted during a XXXX when they were required to reduce interest rates for pre-Mobilization debt, Harassment of my Family, and friends to strong arm me into paying debts and now crediting debt to prevent me from closing my accounts and formally ending my affiliation with NFCU. I have spent several years repaying debts to NFCU properly and responsibly as to be a good citizen and not declare bankruptcy as I have seen others do to avoid paying their debts. However, today when I have no reported debts remaining on either my credit report or in any statement for the last 3 years, NFCU has informed me there is an outstanding debt of {$58.00} on my Share-Savings account from XXXX which I have never received a bill or can find any proof of in either online or paper statements. I only have a message from NFCU, via their website, stating the account has a debt, which also does not show on the site. I have attempted to proceed honorably with NFCU ; however it seems they are unwilling to let me sever my relationship with them without taking another pound of flesh. I have decided to fight this claim as a line in the sand that I will go no further. I 'm hoping this will help build a case against NFCU 's unethical and unprofessional business practices and prevent them from doing this to others. 
XXXX ( XXXX ), XXXX, XXXX XXXX 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 2017-03-10 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
When credit bureau XXXX and transunion are pulled by lenders XXXX is my credit score. I have more than 10 year 's of established credit. Also, for some time now XXXX states that credit files split into two with that beingvsaid I have missing positive information on only my XXXX. I spoke to the office of consumer affairs and they advised me the credit splitting and not reporting years of established credit is an error with their database. Why should their error be at my expense?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-23 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: REGIONS FINANCIAL CORPORATION
State: TX

Complaint narrative:
After the XXXX scandal was made public, I decided that I wanted to find a new bank to bank with. At the time, Regions Bank was running a promotion that offered new customers a {$400.00} checking account bonus when signing up for a checking account. 

Because of this promotion and as a result of seeing local branches in my city, XXXX, TX, I decided to give Regions a try. According to a representative that I spoke with on the phone, my sign up date according to their system was XX/XX/2017. However, I received no documents from Regions until around the middle of XXXX. At that point, I was shocked to see that I received documents for XXXX checking accounts, not just XXXX. 

I logged into my account online, and sure enough there were XXXX accounts opened in my name. As a customer that was trying to find a suitable replacement for XXXX due to accounts being opened without their customer 's knowledge, I was really disappointed. I am not sure how it is possible, or why Regions Bank might want extra accounts to be opened, but XXXX accounts were opened in my name when I went through their sign up process just once. 

My problems with Regions Bank were only compounded when I called Regions Bank to inquire about the promotion, to be told that the promotion ( conveniently ) expired on XX/XX/2017. I checked my own records and was sure that the promotion in question ( XXXX ) expired on XX/XX/2017. I had saved a screenshot of their marketing material that was displayed on their website at the time I signed up for my account which clearly showed the expiration date to be XX/XX/2017. 

The lady I was speaking with on the phone insisted that the expiration date was XX/XX/2017, and that as such I was no eligible for the promotion. I asked her to send me a copy of that document so I could verify for myself. However, she said that Regions Bank did n't keep original copies of the marketing material at that time, and that she could n't send me whatever documentation she was looking at because it was expired and " could n't be printed. '' As I mentioned, my own records and other peoples ' records online clearly show that their marketing material showed XX/XX/2017 as the expiration date. For Regions Bank to advertise a promotion to draw in customers, then tell them after the fact that they are ineligible for that promotion without providing any proof whatsoever is, at its best, dishonest.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-14 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
please find attached my dispute letters which i have also submitted to bureaus several times, XXXX accounts have never been late and should have no delinquencies. 
please help me to remove these unfortunate negatives. 
thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-31 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Shopping for a loan or lease — 
Company: ALLY FINANCIAL INC.
State: OH

Complaint narrative:
I authorized XXXX XXXX XXXX to make a inquiry on my credit file. The dealership auctioned my car loan out to several financial institutes without my approval. My credit report dropped XXXX points in less that 2 days.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-23 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
Experian failed to report any positive credit on my credit report, this has lead to me loosing the opportunity to purchase a home before interest rates went up. The failure to report positive credit has lead to me paying higher interest rates on credit cards and forces me to purchase a smaller home at higher rates costing me {$10.00} 's of {$1000.00}. This also allows predatory lending practices to happen.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-17 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I recently discovered XXXX fraudulent accounts along multiple fraudulent charges on some of my account. I disputed an account the credit bureau after I contacted the company ( Account # XXXX ), XXXX Case number : XXXX. I finally received a letter from XXXX stating that the company will not investigate because sometime notification are sent in error by credit reporting agencies. I will attached said letter and will stand by for further guidance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-29 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Hello, I had reached out to Experian a month ago about charges that other credit reporting agencies have removed. After i disputed the information on their site I received a call saying that i could pay off my credit cards and bank cards, after speaking to the person calling they said they received my information through Experian I told them never to call again and hung up ( they asked for account numbers and social security and made it sound as if they were with Experian ) Today I checked my dispute by entering my SS # and information and received the same call from a different number XXXX and again told them never to call and hung up and dialed the number back there was a recording that the number had been hijacked - it is pretty obvious that Experian is selling customer data or their site is unsecured. Thank you 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