vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-08-09 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
In XXXX and XX/XX/2019, I paid off two credit accounts ( XXXX XXXX and Bank of America XXXX in full based on the current balances posted online. Both accounts were paid on or before the due date. In spite of paying the full balance posted XXXX not the last statement balance ), I was required to pay additional interest in subsequent months. As a consumer, this is a true slap in the face of anyone who pays their accounts in good faith in order to maintain or achieve good credit. How are consumers supposed to get out of debt if interest continues to accrue on balances that get paid off? Please consider developing a process where consumer credit accounts can offer a pay-off request on-line similar to consumer loans so that people can be reassured that paying off an account is final. This means that if a customer selects a pay-off request, then daily interest stops. If the payment is not posted in full by the pay-off date, then of course interest should continue to accrue. I followed up with both creditors and paid the interest, however I was given no guarantee that the posted interest does not constitute a new balance which can accrue additional interest. My creditors certainly didn't offer to waive the interest on the pay offs, so this creates a cycle of being robbed masked as the " cost of credit ''. Please explain how a credit account can finally reach a {$0.00} balance short of closing the account entirely.

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 2019-08-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC
State: RI

Complaint narrative:
I have an FHA loan on a property at XXXX XXXX XXXX, XXXX, MD XXXX that was sold to Amerihome. Since XX/XX/XXXX Amerihome has claimed that I am past due and even threatened foreclosure. When I obtained the loan through XXXX I paid an extra payment at closing so that I would always be one month ahead. In XX/XX/XXXX Amerihome stopped sending statements to me ( after I declined a refinance offer ) and misprocessed an electronic payment. I have a copy of transactions back to XX/XX/XXXX ( when I switched banks due to an identity theft ) and since then, Amerihome has received {>= $1,000,000} in payments. So that is 14 monthly payments of {$2500.00} since XX/XX/XXXX and along with the payment I made at closing, I should be one month ahead not behind as Amerihome claims.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: IL

Complaint narrative:
Yesterday ( XX/XX/2019 ), I tried to log in to my Mr. Cooper online account to see a mortgage statement. The screen said that my account was locked and I should call customer service. After calling customer service they informed me that my account was under litigation and they could not tell me anything about it unless my lawyer contacted their litigation department. I asked for the contact information of the litigation department and they refused to provide it. They claimed they already provided it to my lawyer. I know this is false because I do not have a lawyer. They are locking me out of a healthy account that has never missed or been late on payments and giving me no way to unlock it. 

Note : I have a minor building violation ( related to permits that the previous owner did not obtain ) that I am working with the city of XXXX to resolve. I am current on mortgage payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A.
State: OK

Complaint narrative:
We purchased a new home before the sale of our current home was final. The loan for the new home included PMI. Our former home has sold, we have paid off {$140000.00} of the {$180000.00} loan and want to cancel the PMI. The bank is telling me we have to pay a fee of {$120.00} to cancel this insurance. This was not disclosed to us at the time, even though the loan officer was aware that we would be paying off the majority of the loan within a few months. Since the bank required us to have this insurance, can they require and charge us a fee to cancel it even though we meet the guidelines required to cancel?

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 2019-08-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I had transferred XXXX over to a XXXX account given to me by a seller which was supposed to sell me an XXXX XXXX plus I haven't received XXXX XXXX plus I haven't got an email that is going to be delivering and I have been scammed and I know XXXX which is the payment are used when not refund me back my money and if I contact the bank I know that they will not be willing to give me back my money the only way I can reach out to them for them to give me a courtesy refund is for me to contact the Consumer Finance which I'm doing right now

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 2019-08-09 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: AMERICAN HONDA FINANCE CORP
State: NJ

Complaint narrative:
XXXX XXXX-VIN # XXXX This vehicle was repossessed by American Honda and sold on or about XX/XX/XXXX. 
Under the laws of the state of NJ ucc9.506 and state RISA and MVISA statutes a deficiency can not be claimed unless all of the required notices were properly and timely given and all of the allowable redemption and cure times were adhered to.Please provide copies of the legal notices and proof of the commercially reasonable manner of the resale of the vehicle. If no proof is provided any continued collection or reporting on my credit reports will be considered a violation of theFDCPA and FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Selene Finance LP
State: MD

Complaint narrative:
We (my sister and I, Sister on-loan/not deed) were given a "Trial Modification Plan" (1st  Page/Booklet: 1) and made all of the payments (Book:1/P.1-4),except last payment due to several crises, death in the family and the government shutdown (Book:1/P. 5) and Selene Finance returned last payment (Book: 1/P. 6-7) after Selene associate said "send in the payment".Selene then sends "Reinstatement Quote" without crediting mortgage payments (Book: 1/P.8), then Selene next sends "Notice Of Intent ToForeclose" without crediting account for mortgage payments (Book: 2/P. 9).

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Excessive fees — 
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I noticed on a recent XXXX statement that I was being billed {$29.00} for an Experian membership. I contacted XXXX XXXX XXXX XXXX to inquire about the charge and was told that in XXXX, 2018 I had been charged a {$1.00} fee by Experian for a membership. I must have signed up for a trail membership although I do not recall doing this. Subsequently, I had been being billed {$29.00} monthly since then for a service that I had never used. I remember getting emails from Experian that I honestly thought were scam emails and deleted them. I was finally able to contact Experian and was told that I had a membership ( which I was unaware of ) and that I could cancel it which I immediately did. I explained the situation to the representative who mentioned that another department could confirm whether or not I ever used the service and would handle the reimbursement and that she could transfer me to that department. I was never successfully transferred because the phone call dropped when she attempted to transfer me. It seems like once I cancelled the membership, Experian has been unavailable to discuss the reimbursement. 
I have been trying to contact Experian almost daily since then to no avail. The customer service phone numbers listed for Experian online literally reroute you unsuccessfully ( including dropping your calls ). Again, it seems like this has been the case after I cancelled the membership.

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 2019-08-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
I paid off the mortgage with Nationstar Mortgage LLC in XX/XX/2019, however it is still showing as open and with a balance of just over {$210000.00}. I submitted a dispute with the credit reporting company of XXXX in XX/XX/2019 and XX/XX/2019 I was informed that this information on my credit report is correct. I uploaded a satisfaction of mortgage also, however Nationstar Mortgage LLC still states the balance is correct and the account is still open. I called Nationwide Mortgage LLC and they said that I need to pull my credit report and send it to them so that they can research it. I stated I would send them the Satisfaction of Mortgage but they still insisted that I send them my credit report in order for them to review. I refused to send them this as they do not need this info since they can pull it up in their system and see that it has not been updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
XX/XX/2019 I opened up a checking account with Chase Bank. I received an account number, set up direct deposits to this account and downloaded its App. XX/XX/XXXX I tried logging into the Chase App and I was prompted to call a number because my account was locked due to suspicious activity. The first time I called the representative repeated my social security number back to me, which I thought was odd for a company to do for security reasons and then she informed me that my account was closed but couldnt explain why. I went online to get a Chase customer service number because the apps prompt to call seemed fishy to me, for the brassiness of the first representative and the lack for personal profile protection was beyond me, I couldnt help to think I was being scammed. Talking to the second directed representative, I was informed that my account has been closed due to internal review but they couldnt tell me why. I asked several times to speak with someone in regards to my concern but they said Mam there is no one you can talk to other than us and the bank has made its decision I asked based on what? What is the reasoning, I have a right to know why. They kept saying its confidential, but its my confidential information that Im demanding. They couldnt direct me to underwriting, tell me how they come to their decisions, they just told me no and thats it. I even asked if they will send me a denial letter stating why, they had no answer for me whatsoever. I am beyond upset to be treated this way and I am scared about my personal identity being compromised. They said suspicious activity on the app well what does that mean? Im worried sick!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-09 00:00:00
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: TRANSWORLD SYSTEMS INC
State: AZ

Complaint narrative:
Contacted by TSI ( https : //www.tsico.com/ ) XX/XX/19 @ XXXX ( XXXX XXXX -A female asked to speak with XXXX XXXX. Without confirming my first and last name I asked " who am I speaking with ''. The agent responded with her first and last name. I asked " what company are you with '' and she disclosed her company name as well as the Original Creditor for the debt in question. 
-Mini-Miranda is a legal warning debt collectors are required to use at the beginning of communications with consumers, both written and oral. ... The purpose of the communication is to collect a debt. Any information disclosed by the consumer will be used to collect the debt. < -- This was not said. Please pull the recording.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
The company never reported the account as being in collections/charge off status even after being awarded a garnishment in a judgement. 

The company never posted the payments from the garnishment and never closed the account. 

The company misreported the status purposefully even after it was brought their attention and the company charged more than what was stated in the judgment. 

This company has held my credit hostage for over a year even after full repayment. 

Never ever get a loan from XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
The company never reported the account as being in collections/charge off status even after being awarded a garnishment in a judgement. 

The company never posted the payments from the garnishment and never closed the account. 

The company misreported the status purposefully even after it was brought their attention and the company charged more than what was stated in the judgment. 

This company has held my credit hostage for over a year even after full repayment. 

Never ever get a loan from 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
Consumer complaint received 2019-08-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: MIDCOUNTRY FINANCIAL CORP
State: GA

Complaint narrative:
The company never reported the account as being in collections/charge off status even after being awarded a garnishment in a judgement. 

The company never posted the payments from the garnishment and never closed the account. 

The company misreported the status purposefully even after it was brought their attention and the company charged more than what was stated in the judgment. 

This company has held my credit hostage for over a year even after full repayment. 

Never ever get a loan from Heights Finance

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 2019-08-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I have a Citibank AAdvantage gold card that the citibank just arbitrarily switched to another account. My present card was declined yesterday and when I called citibank to discuss this entering the last 4 numbers of my card, they could not find my present account. I have many accounts that are payed automatically and this is a real pain to have to switch payment info, one of which is my supplemental policy for medicare. When I ask why the card was switched, I was told that it was done automatically which I did not want done. When I ask for the telephone number of XXXX XXXX, chief risk officer, I was told it was restricted. The new card is being overnighted to me ( have not received as yet ). This is a TERRIBLE practice costing me time and considerable angst. I feel abused as a customer and want Citibank to not do this in the future.

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 2019-08-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: PA

Complaint narrative:
I contacted American education services about my loan last night asking for a forbearance form because the payment for my loans I can not afford due to my XXXX XXXX XXXX being diagnosed with XXXX. They claimed they would send me my forms right away. I just received the form today, XX/XX/XXXX, which is when my loan payment is due. Like what the XXXX? This company does not care about anything but their money. This is why people should not go to college. Not only did they just send me my forms but they also send me an email two days ago saying my payment was due today. Why the XXXX arent I getting that email a week ahead of time??? Im starting to get so sick of this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-09 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 — Card was charged for something you did not purchase with the card
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
Noticed unusual fraudulent charges on account. reported to bank and cancelled card, filed police report and requested investigation for the dates and amounts as listed below totaling XXXX. 

XXXX/XXXX/19 {$880.00} XXXX/XXXX/19 {$930.00} XXXX/XXXX/19 {$890.00} XXXX/XXXX/19 {$840.00} XXXX/XXXX/19 {$830.00} XXXX/XXXX/19 {$940.00} XXXX/XXXX/19 {$880.00} XXXX/XXXX/19 {$900.00} XXXX/XXXX/19 {$810.00} XXXX/XXXX/19 {$940.00} XXXX/XXXX/19 {$900.00} XXXX/XXXX/19 {$900.00} XXXX/XXXX/19 {$870.00} Received notice from bank that due to prior business conducted with vendor ( XXXX XXXX ) the request to dismiss charges was denied. I did not make these purchases and have no knowledge of the locations the purchases were allegedly charged at. I have never been to the locations for the vendor including XXXX XXXX, New Jersey and XXXX NY. I was informed by T.D bank dispute claims department that no fraudulent activity was noted on account due to prior history shopping with vendor. I have never spent over {$50.00} within the past few months and don't understand how this happened. It has caused severe emotional, financial and physical duress/distress and would appreciate a full investigation on this case. 

Police report number XXXX has been filed and I can provide further documentation if necessary.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-08-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Hello and Good Evening, I was advised to reach out to you all about some things on my credit that is not mine. I wentto cosign for my mom on a car and my mom and I was denied because of me. There are some things on my credit that is not mine and that needs to be taken off XXXX XXXX XXXX XXXX XXXX, XXXX DEPED.

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 2019-08-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: MI

Complaint narrative:
XX/XX/19 I received a call regarding the escrow on my mortgage, that had a debit balance on my account. 

The caller demanded that I go to XXXX and wire {$980.00} before 6 p.m. that day to avoid foreclosure, and could only be done that day only. 

I requested evidence and his manager, he responded that that was not possible. it was in his control now. 

I suspected a Scam and called my Mortgage Co. the next day and confirmed the call was bogus. 

He identified himself as XXXX XXXX of the mortgage co. @ XXXX in Texas. 

Foreign accent possibly XXXX or XXXX. 

The killer was the phone number appeared as my contact person at the mortgage co.! 

She is in Florida

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SUNTRUST BANKS, INC.
State: SC

Complaint narrative:
Suntrust Mortgage has put force placed flood insurance on my condo. My flood insurance had never lapsed. My flood insurance company faxed a copy of the policy to Suntrust yet the mortgage company continues to say they did not receive it. My insurance company has emailed me confirmation that Suntrust received the fax on XX/XX/19 ( 103 pages ). I called again to Suntrust today to confirm that they received it ( allowing the 5 days per their instructions ) and told them that I have confirmation ( attached ). They hung up on me.

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