vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-11-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Academy Mortgage Corporation
State: OK

Complaint narrative:
Purchased a home and closed on XX/XX/XXXX. Academy Mortgage was our lender. I received our first mortgage statement ( will attach image ) in late XXXX, with a due date of XX/XX/XXXX. I detached the payment coupon from the statement and mailed it to the address provided on the statement which was Academy Mortgage, XXXX XXXX XXXX XXXX, XXXX, UT XXXX. Included with the payment coupon was a personal check, number XXXX from our joint bank account, XXXX and XXXX XXXX, made out in the amount of {$3000.00}, with the account number provided on the mortgage statement, account number XXXX ( will attach images of cashed check ). The payment was mailed from our residence in Oklahoma on XX/XX/XXXX. On XXXX XXXX, I received a second statement from Academy Mortgage, now listing a different account number ( XXXX ) and a different payment address ( when I called I was told that the change was due the loan now being serviced by XXXX ). I was concerned about the change and called to inquire if this would be a problem. I was told the payment could be sent on to the correct location and it would n't be a problem. In the meantime I continued to receive statements and correspondence indicating that a payment was overdue. I have spent hours on the phone on multiple days with multiple representatives with no resolution. My bank, XXXX, has faxed images of the cashed check to XXXX XXXX XXXX XXXX XXXX as proof of payment twice, at my expense. Academy continues to deny that they have received this information from my bank. Currently, they place me on hold, tell me all their representatives are too busy, and I will receive a call back, which then does not occur. When I called this afternoon I was told that my loan has been transferred to XXXX XXXX XXXX, however XXXX is still the servicer and the payment address and account number have not changed. I still have not received a call back, my account still has not been credited for my payment, and I am now being told that this is all due to my error, even though I sent the payment to the address I was given on my first mortgage statement.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-27 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: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
Synchrony Bank put a fraudulent credit inquire on my credit bureau. This is not mine. I did not inquire about credit with them

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 2017-11-27 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: Academy Mortgage Corporation
State: AZ

Complaint narrative:
I have 3 mortgages with Academy Mortgage, totaling more than {$700000.00}. Back in XX/XX/XXXX/XX/XX/XXXX, I was having issues with their Loan Administration website, they were converting to a new online system. I was locked out of my account when trying to make my payment for Loan # XXXX. I followed the prompts to request unlock, which at the time was an email to XXXX indicating someone would respond within 24-48 hrs. No one responded to me! 
I sent a follow up email ( copy attached ) explaining that I was in jeopardy of being late, if I could not submit the payment online. After another day, there was still no response. Finally, I decided to call customer service and after some frustration with the phone rep, I was able to identify the issue and log into my online account. Academy mortgage had an incorrect email address on file, they had n't updated this either. I made my XX/XX/XXXX payment. 
A month later, I received a credit monitoring notification, that my Academy Mortgage had reported 30 Days Late in the month of XX/XX/XXXX for the XX/XX/XXXX payment. I was sickened and now even more frustrated. 
As a good will gesture and in good faith of my loyal business and existing good standing on 3 mortgages, I sent a letter asking them to remove the 30 Day Late for Loan # XXXX from all three credit bureaus and send me confirmation that it had been removed. I felt it an injustice for adverse credit action on my account because of their companys technical difficulties. 
I received a letter date XX/XX/XXXX indicating Academy mortgage was looking into the situation. I never heard back, so in early XX/XX/XXXX, I called their customer service XXXX. The rep indicated they would not have an answer until XX/XX/XXXX and to call back after that time. I questioned the timeline and mentioned that 4 months was a very long time for research. I called back the week of XX/XX/XXXX, thinking they may have finished, but told again to call back after XX/XX/XXXX. I called back today XX/XX/XXXX and I was told that Academy mortgage had sent me a denial letter back in XX/XX/XXXX indicating, I had the incorrect month on my dispute letter and she did n't know why the rep did n't tell me that the other 2 times that I had called. I never received a denial letter in the mail. Only to call back after XX/XX/XXXX. The rep said she would transfer me to a supervisor, who even further frustrated me. I am opening this complaint through CFPB to document my horrible experience with Academy mortgage loan administration and hopefully they will make some changes to their process. I am being dinged for a system issue, and the adverse customer harm has now been in effect for 4 months, more than 160 days since the issue was identified. 

Thanks, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: AZ

Complaint narrative:
Subservicer Bayview Loan Servicing LLC, keeps sending Loan Adjustment Agreement or permanent modification agreements with illegal conditional waivers. Bayview Loan Servicing has dual tracked borrowers for over a year and attempted foreclosure on borrowers over ten times while borrowers are in a current active workout and making payments on a trial payment plan for over a year. Subservicer Bayview Loan Servicing uses a tactic of sending the permanent modification out with illegal conditional waiver for borrower to sign. Then when borrowers fail to give up their rights because the permanent modification agreement has illegal conditional waiver Bayview Loan Servicing will state to the CFPB borrowers declined the permanent modification agreement or borrowers failed to return the permanent modification agreement ; however, Bayview fails to tell the CFPB they put a illegal conditional waiver in modification agreement demanding borrowers give up rights so that Bayview Loan Servicing can dual track them, the waiver also demands borrowers to give up their rights to an attorney and a trial by jury. Therefore, we are providing the Attorney General proof that we did n't decline the modification agreement and have submitted the following to Bayview Loan Servicing LLC. Bayview stated in a response to the Consumer Financial Protection Bureau that they had a right to put the illegal waivers as a condition to the permanent modification agreement. Bayview Loan Servicing LLC, also threatened us and stated if we fail to return the permanent modification agreement signed with the illegal conditional waiver giving them right to dual track us, taking away our right to an attorney and also taking away our right to prevail in court if they foreclose then Bayview Loan Servicing LLC has had us in a trial payment plan current active workout for over a year and threaten us stating they will put all the trial payments plan payments into a suspense account and foreclose on us

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-27 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: EQUIFAX, INC.
State: CA

Complaint narrative:
On Monday, XXXX XXXX I was notified that my XXXX credit card was used in Florida ( I live in California ) and it was maxed out. I then spoke with the credit card company and they addressed the issue swiftly. However, when I took a deeper dive into my credit I realized that I was a part of the Equifax breach ( I was never notified by Equifax about this ). I then looked my credit report and realized that someone just added a new address in XXXX, Florida. This is a fraudulent address and it is only showing up on my Equifax report. That being said, I have called 9 times now with a cumulative amount of 9 hours waiting to discuss with someone on the phone. Each time after just about an hour on hold they hang up ( I have picture documentation of this ). Then I submit the dispute via the Equifax website on XXXX XXXX. I received the response to the dispute on XXXX XXXX, and the first time I opened the page it says there are no disputes pending. The 2nd time it says it can not help me because my information does not match my report. I have included screenshots on both on this complaint. My credit score has taken a hit due to this, there is now a fraudulent address under my credit file, and there is no way for me to resolve this with Equifax. This can have a long term affect on my credit and for a business to not accept responsibility or help assist is unacceptable. I am turning to you all to help before this gets worse. Thank you!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-27 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Don't want a card provided by your employer or the government
Company: Netspend Corporation
State: CA

Complaint narrative:
I received this card without requesting it and with no explanation attached or printed on the card, that this was an offer. I thought it was a replacement card for an existing pre-paid card I had but when I went to the site, it was asking for my social and date of birth. I found that suspicious, along with the card having a XXXX balance. When I called the company, NetSpend, to ask where this card came from, I was again prompted to enter my date of birth and full social. I declined and was transferred to an agent who then said that this was an offer and if I activated it ( after providing all my info ) I could use the card for paycheck deposits and such. I never requested this card, nor did my employer distribute these cards for paycheck deposits. It is very suspicious to request that information to activate the card without providing a description of what the " offer '' is. NetSpend should be required to fully explain what this card is and why the recipient is in receipt of the card. Appears to be a phishing scheme that NetSpend has gotten away with for years.

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 2017-11-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Transunion has been sent three different letters about verifying a specific account which is XXXX XXXX of XXXX XXXX. This account is in collections but the creditor is showing with a balance. They have failed to correct it or validate the debt and ive sent 3 seperate correspondences. They have not sent any paperwork showing proof of the debt.I want it deleted now, this is a violation I sent correpondence XX/XX/XXXX & XX/XX/XXXX and received no proof or change on my report, creditor and collector should not both show a balace

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 2017-11-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
I recently filed a complaint against Bank of America. While they did respond to my complaint via telephone onXX/XX/XXXX today in the mail I received an application for a modification for my loan. Which I did not request. This is the third time I have attempted to get my file and forensic accounting of my mortgage with Bank of America and this is the third time they have sent me wrong information. They have sent me lOan modifications when I asked For forensic accounting of my loan. They also onece sent me Notice that they could no longer do automatic payments because I declared bankruptcy which I never did. This is an ongoing problem. I want a forensic accounting by Bank of America in regards to my mortgage and I want all correspondence and a copy of my mortgage file they hold. I stated this on the phone call with the representative and then I get a request in the mail from them for financials due to my requesting a home modification which I never requested

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 2017-11-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I received an email for 0 % interest on balance transfers for 18 months with my capital one venture one credit card. I filled out info and did the transfer in XX/XX/XXXX but when i received my XX/XX/XXXX statement i was charged 16 % interest. I called the customer service line on XX/XX/XXXX and was told that it should be no interest on the next statement but for this billing cycle i have to pay the interest charge even though its supposed to be 0 %.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
I received a letter today stating that I owed a minimum payment due of {$78.00} I have not used the card in months. 
I made a payment {$40.00} on XX/XX/XXXX, which was the balance due. 
Citibank is stating that the payment was late and has been charging me {$37.00} per month for late fee 's with no account balance. 
When I called they told me I owed {$110.00} in late fees but would deduct one month so I owed {$78.00}. 
I did pay it because I do n't want them XXXX with my credit. 
Most importantly I was unaware of all this until I received the letter today. 
I have never received a bill or an email that my account was in arrears. 
I am irate that they are charging me for a clean account balance.

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 2017-11-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: TCF NATIONAL BANK
State: MN

Complaint narrative:
I was helping a friend who had lost his debit card, by cashing a {$200.00} check he wrote me so I could give it back to him. I deposited the check into my account because my friend told me it should be available the same day, but it was not, so he then wrote me another {$200.00} check and I cashed it inside a TCF Bank. A few days later, my account is now negative by {$230.00}. On XX/XX/XXXX, {$200.00} was deposited to another account. On XX/XX/XXXX, I received a {$20.00} deposit fee. On XX/XX/XXXX, {$200.00} was deposited to another account. OnXX/XX/XXXX, I received a {$20.00} deposit fee. I did not deposit any money and I am yet to be told how my account being negative makes sense. I called my bank and the lady who was assisting me told me multiple times ( after being asked multiple times ) that the only way to fix my account is by depositing {$230.00}. When I created my account I said I did not want my account to be able to go negative so I do n't see how this is so. I was told that the money was sent back to the check-owners account because he did not have sufficient funds, so I do not see how this is so. And if neither of our accounts had the funds to cover a {$200.00} check, then why TCF Bank allowed me to cash it, I would like to know.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Convergent Resources, Inc.
State: AZ

Complaint narrative:
Received a settlement letter XX/XX/XXXX for a balance owed from XXXX XXXX of {$650.00}. I settled for {$320.00} on 10/23. XXXX XXXX still has not provided the Settled in full letter honoring the settlement.

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 2017-11-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
On XX/XX/XXXX I composed and mailed via certified mail a correspondence to XXXX XXXX XXXX XXXX also known as XXXX XXXX XXXX XXXX due to the fact that they were reporting to the credit bureau ( s ) false information that there is a {$2500.00} account balance that is past due for an account number ( truncated on credit report ) XXXX. I mailed the correspondence to the mailing address listed on the credit report which was XXXX XXXX XXXX XXXX XXXX, CA XXXX. Per USPS tracking number XXXX this address was not found and the correspondence was returned to sender. The address on the credit report was incorrect or outdated but nonetheless this correspondence was returned to me. I looked for another address for this corporation and found XXXX XXXX XXXX XXXX, CA XXXX the address ; per USPS tracking number XXXX this correspondence was received on XX/XX/XXXX and signed for by a XXXX XXXX ; hopefully this address was the correct address for this corporation. As it is very costly to send certified mail ( {$7.00} per mailing, {$15.00} total thus far ) I am filing this complaint to ensure that this corporation has received my correspondence and dispute in regards to this alleged debt. Also, to ensure a public record of my correspondence to them in case they choose to ignore or not reply and this issue needs to go further and into a litigious process.

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 2017-11-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
On XX/XX/XXXX I composed and mailed via certified mail a correspondence to XXXX XXXX XXXX XXXX also known as XXXX XXXX XXXX XXXX due to the fact that they were reporting to the credit bureau ( s ) false information that there is a {$2500.00} account balance that is past due for an account number ( truncated on credit report ) XXXX. I mailed the correspondence to the mailing address listed on the credit report which was XXXX XXXX XXXX XXXX XXXX, CA XXXX. Per USPS tracking number XXXX this address was not found and the correspondence was returned to sender. The address on the credit report was incorrect or outdated but nonetheless this correspondence was returned to me. I looked for another address for this corporation and found XXXX XXXX XXXX XXXX, CA XXXXas the address ; per USPS tracking number XXXX this correspondence was received on XX/XX/XXXX and signed for by a XXXX XXXX ; hopefully this address was the correct address for this corporation. As it is very costly to send certified mail ( {$7.00} per mailing, {$15.00} total thus far ) I am filing this complaint to ensure that this corporation has received my correspondence and dispute in regards to this alleged debt. Also, to ensure a public record of my correspondence to them in case they choose to ignore or not reply and this issue needs to go further and into a litigious process.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
The company XXXX has been consistently reporting incorrect information in my comments that account is closed at consumer request They have reporting balances as the account is good standing and never late but refusing to update status to open since is account open with a paid statement every month. This has been going on since XX/XX/XXXX. I receive automated letters saying it will update in 30 to 60 days. This is my 3rd letter of this kind saying that. The last one in XX/XX/XXXX but Experian investigated with a reponse that account closed with a Balance deceasing every month.

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 2017-11-27 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
During the month of XX/XX/XXXX I was reviewing my credit report and noticed that XXXX XXXX was reporting a 60 days late payment. I called them and they said that it was for a {$2.00} fee administrative fee that I never knew about. I was never told or explained that this was going show up on my personal credit report. I sent them a letter and they replied that they were reporting accurately. I have repeatedly called and to no avail. No one can explain the {$2.00} charge accurately or why I was n't informed. This has resulted in me being denied a home loan because of the way its being reported ( 60 days late ). I have lost over 35 pts on my credit report for something that I had no fault. I have been a client of XXXX 's since XX/XX/XXXX and I have never been late, as a matter of a fact I barely use this card. I have attached my credit report in order to demonstrate that I do not pay my bills late, that I am very responsible with my payments, My credit report will speak for itself.

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