vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-05-30 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Closing on a mortgage — 
Company: Reverse Mortgage Solutions, Inc.
State: CA

Complaint narrative:
I am the  administrator of  my mother 's estat e. In  XX/XX/XXXX  , she took out a reverse mortgage on her home with  XXXX . She passed away in XX/XX/XXXX . At the time of her death the reverse mortgage was being administered by Reverse Mortgage Solutions  (  "  RMS  '' ). Upon her death, I promptly provid ed RMS  with all requested documentation showing that I was t he administrator of her estate and advising them that I was selling the home. I provided a copy  of the real estate listing agreement for their records.  <P/> In   XX/XX/XXXX , RMS tresp assed upon the property, and vandalized it by changing the locks and installing a lock box. When I enquired why this was done, no one at  RMS  could provide a reason. I incurred costs of {$230.00} as a result. I sent RMS a written demand for my costs, but have never received a response.  <P/> In XX/XX/XXXX , a buyer was found for the property and an escrow opened. When the escrow company submitted a request for the payoff demand statement,  RMS  responded by issuing a Notice of Default and initiating foreclosure proceedings. Since the property was already in the process of being sold, with an active escrow, it would appear that the foreclosure was initiated simply to run up additional fees and costs.  <P/> Although the estimated closing date of for the sale was   XX/XX/XXXX ,   RMS submitted a payoff demand that calculated interest through   XX/XX/XXXX  . Not wanting to delay the sale, I agreed to pay the full amount of the demand, with the understanding that RMS would refund the unearned interest. RMS received the funds necessary to satisfy its demand on   XX/XX/XXXX .   <P/> When 30 days had elapsed and I did not receive a check, I contacted RMS about the refund of the unearned interest. I was told that they are not required to refund the interest.  <P/> The payoff demand included a charge for "  Corporate Advance  of {$720.00}. I have not received a response to my written request for an explanation of or documentation for this charge.  <P/> The payoff demand included a charge for " Outstanding Fees & Costs '' in the amount of {$2000.00}. RMS has not responded to my written request for an explanation of or documentation for the charge.  <P/> Given that  RMS  administ ers and/or  makes loans on reverse mortgages, the elderly or their legal representatives make up a disproportionate share of its accounts. From my experience it appears that  RMS  engages in unfair business practices, which include refusing to communicate or respond to inquires from its clients and/or representatives and adding unlawful fees and costs to its loan balances. While the amounts charged are not great, if RMS engages in this type of activity on a regular basis, the fees and costs collected from its thousands of elderly clients  may  be significant.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Southwest Credit Systems, L.P.
State: TX

Complaint narrative:
Southwest Credit System c alled around  XXXX   2017 , stating that I had an outstanding balance from  XXXX . Around this same time I received documentation from  XXXX  stating that equipment has not been returned and that the large bala nce (  {$700.00} plus dollars ) can be due to the result of equipment not being returned.  XXXX  was contacted shortly thereafter and informed that the equipment was sent back and should be in their possession.  XXXX , later states that the balance is due to nonpayment, not equipment.  <P/> On  XXXX     2017, Southwest Credit System re ported me to the Credit Bureau for {$230.00} which was already paid in full. Also, at no time was I given a bill of {$230.00}.  <P/> On  XXXX   XXXX ,    2017 Southwest Credit System was c ontacted and informed that the report of {$230.00} should never have been reported to the Credit Bureau. They were asked to remove/delete this negative reporting from my credit report, but refused. I am asking that this negative reporting be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ARS National Services, Inc.
State: NJ

Complaint narrative:
I received a letter fro m ARS National Services Inc da ted  XXXX   XXXX 2017 stating that an account (  XXXX   XXXX   XXXX  ) has been placed with their organization for collections with a balance of {$1000.00}. On  XXXX   XXXX ,    2017  I sen t ARS National Services Inc  a letter that they received on  XXXX   XXXX ,    2017 to provide me with proof that this debt belongs to me. ARS National Services Inc  sent a letter dated  XXXX   XXXX ,    2017  stating the date account was opened, the last charge made on account, the last payment made on account and  two  billing statements from  XXXX   XXXX .  ARS National Services Inc  has failed to provide me with a contract with my signature stating I agreed to this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-30 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: LA

Complaint narrative:
Hello I sent a certified letter to equifax concerning a bankruptcy that was listed on my credit report. This was in  XXXX   2017 . They signed for the letter on  XXXX   XXXX   2017  and failed to mark it disputed on my credit report as of  XXXX   XXXX ,2017. They also sent me a letter in  XXXX    XXXX ,2017  saying they verified it with  XXXX  in  XXXX     2017  but i froze my report on  XXXX   XXXX ,2017. They are clearly being dishonest and breaking the law.     thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P.
State: NC

Complaint narrative:
We have gotten numerous calls from  " Southwest Credit '' f rom  XXXX  asking us to call their number  XXXX . Caller ID shows the number as  XXXX   XXXX . We then received an invoice from this company saying we owed them {$510.00} for cable service for an address we have no connection with. When my wife called the  XXXX  number she talked with a "  XXXX   XXXX  '' that told her that they were trying to collect money for an address of  XXXX   XXXX   XXXX   XXXX , NC. We have never lived there and know no one who does. The letter that we received is dated  XXXX   XXXX ,  2017 . We have never been in collections for anything in the past. I received another call from this number (  XXXX  ) today with a voicemail that stated it was fro m Southwest Credit and I  needed to call  XXXX . I did not call them. Researching this company and these phone numbers online leads me to believe this could be a fraudulent company or something. I do not feel comfortable giving them any information over the phone etc. This is not my bill and I do n't appreciate them wasting my time, etc. Please let me know what I need to do. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: PA

Complaint narrative:
Prior complaint  XXXX ,  Bayview  does not apply payments correctly. They hold payments and suspense money over the mortgage amount.They are saying I owe for  XXXX  from  XXXX   2017 . We have never missed a payment, we paid bi-weekly with prior company and are years ahead on the mortgage. When I call in and complain they block me from their website.   They are sending me foreclosure notices and were calling me for payments even though I do n't owe them.   Of note also is they were using the wrong interest rate a supposedly corrected it.   I am paying interest on a principal balance that does not include the money they are putting in suspense. They have always had sloppy accounting however it has gotten worst since they sold the mortgage to   XXXX    XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-30 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Alabama Housing Finance Authority
State: MO

Complaint narrative:
i bought a house in  XXXX  and the loan was sold to  XXXX . i have consistently received my bills with 3 days or less before it 's due. i am cynical enough to beleive that  XXXX  mails bills late on purpose in order to pressure people to pay online so the payment is n't late.   XXXX   charges the exorbitant amount of {$3.00} for an online payment. i tried to call  XXXX  3 times but the phone just rang with prompts to use their website. i have an email sent to them and i 'm waiting for a reply.   thanks,  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-30 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: MERCANTILE ADJUSTMENT BUREAU, LLC
State: CA

Complaint narrative:
This agency h as 1 : R eported a balance as in " collections '' which was paid to  XXXX   XXXX  before I had any contact from th em. 2 :  Failed or refused to report to credit agencies that this amount was paid in full on  XXXX / XXXX / 17 .  3 :  Provided a letter falsely stating that they received payment from me, on  XXXX / XXXX / 17 . No payment was made to them . 4 :  Stated that they do not have, or will not provide any evidence that the debt was ever assigned to them in a recorded call on  XXXX / XXXX / 17 .

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SUNTRUST BANKS, INC.
State: VA

Complaint narrative:
Tax payments were made from my account that included penalty and interest in the amount of {$420.00} without my consent in  XXXX   XXXX . I did not receive a supplemental bill from  XXXX   XXXX  in  XXXX   XXXX , though their system shows that a bill wa  s sent. Suntrust can not disburse amounts without the consent of customer but they did. I requested suntrust to provide proof that a call was made requesting them to disburse funds. Their tax department agreed to provide proof but later denied after few months. My wife has never made a call to Suntrust and now Suntrust claims that somebody did call and they can not provide any proof. I have attempted 7 times to resolve this matter and I have been given a run around. I was promised 4 times in the past that there will be follow up call and a proof will be provided to me, but no one called nor provided an explanation.
<P/>
It defies all logic that I would wait 3 months to make the call to Suntrust a  bout the bill that was received in  XXXX   XXXX , knowing that the bill will attract penalty and interest.

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 2017-05-30 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AFNI INC.
State: FL

Complaint narrative:
AFNI is stating I owe a debt of {$970.00}. I repeatedly disputed this claim several times which was originally through a debt collector named   XXXX   XXXX   XXXX   and was deleted from my credit report and 3 months later AFNI added it back on. the reported information is incorrect. My services is with   XXXX   XXXX   and has been for over 3 years. I have never received any paperwork from AFNI stating I owe the debt or details of the debt, and they have failed to verified correct information. This false new activity from AFNI have caused my credit score to dr op over  XXXX  points which has affect my ability to close on a home for my children. I would appreciate if they could immediately delete their recent activity off my credit report from all  XXXX  bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: NATIONSTAR MORTGAGE LLC
State: GA

Complaint narrative:
try to modification my mortgage and told me not to make a payment on my home ..it took 10 months now they want {$8600.00} to keep my home,, need help Please

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-30 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: SLM CORPORATION
State: TN

Complaint narrative:
I contacted the CFPB back in  XXXX  or  XXXX  with problems wi th Sallie Mae. After you contacted them, they finally told me they did have a forbearance. Now, I still do not have a job. Every month they increase the interest. This month my interest sits on 3 loans : 10.375 %, 9.750 %, and 8 %. These interest rates are highway robbery, and every month they increase. How are students suppose to pay loans back? Student loans are meant to help students not destroy them. I am a single mother and struggling to get a job even after completing school. They make it to where I will spend the rest of my life struggling to pay back their loans. It 's only Sallie Mae that is highway robbery. My federal loans have been extremely nice and helpful.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.
State: LA

Complaint narrative:
XXXX   XXXX   XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , CA  XXXX  Has placed a collection account on my   XXXX   report in the amount of {$600.00}. I received no notice that this was going to be placed on my report. This was done  XXXX   XXXX ,  2017 .

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-30 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: TRANSWORLD SYSTEMS INC
State: NJ

Complaint narrative:
XXXX / XXXX / XXXX  We purchased a product called  XXXX  off a direct marketing infomercial. On  XXXX / XXXX / XXXX  they claimed it was for  XXXX  with 100 % money back guaranty. So we ordered it it wa s a 4 week  supply. We tried it  for two weeks.  It made my wife  XXXX .   We called the company they told us they was not going to honor the guaranty. So I called my credit card customer service. Advised me to dispute the charge. So they can correspond with the merchant foe me .so I did do so. The credit card company sent the merchant numerous requests to correct the issue they didnt respond to the credit card company request during the required time allowed. I received a response from the credit card company that they had made a ruling in this dispute case. And refunded my account from this merchant. They advised me that this issue was solved.  <P/> Now I have received letter from transworld system inc collections on  XXXX / XXXX / XXXX  at  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , Pa  XXXX  contact #  XXXX .   Requesting me to respond within 30 days. I tried to call the contact # and get a recording that this phone # is out of service Can pleas assist me in this matter  XXXX  and  XXXX   XXXX   XXXX  cell  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-30 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: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
Purchased storm shutters on  XXXX / XXXX /  XXXX   from   XXXX   XXXX   XXXX   store located at  XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX , Florida  XXXX . With  Wells Fargo cred it card. After purchase, there is a sign that says, " you will be loaded by staff ''! So I had no control of the loading procedure. My problem was that after I purchased the storm shutters in good faith, the loading crew switched my shutters with another persons shutters. Please be aware that shutters are purchased to fit a particular size window. None of the shutters they loaded me with fit my windows. I returned the next day to inform them of their mistake and I just wanted the shutters I had purchased. I was in formed that n  o manager was available to return the order. Then I was told that I would have to purchase new shutters and speak with a manager about a refund since it was the loaders fault for the mix-up.
I purchased a second set of shutters believing I would get a full refund for the mix-up. No manager responded to my calls as I live out of town and the shutters were for an investment property. I contacted Wells Fargo and they placed a temporarily   credit to the credit card. After some time they reversed the card saying it was a valid purchase and I had no claim because the merchant had signs posted that all sales are final. My argument with them was that I never received the merchandise I purchased, I received someone else shutters, therefore there was no final sale. They  ( Wells Fargo ) informed me  that  XXXX  would do an investigation but when I contacted  XXXX  they had no knowledge o f Wells Fargo ev er requesting a dispute on my behalf. I called  Wells Fargo ba ck and was told it could take up to 6 months for  XXXX  to complete their investigation. To this d ate Visa denies any correspondence from Wells Fargo and I have been double charged for an item I never received the first time that I paid for. Then I received a letter from Wells Fargo sa ying the credit That I received would be reversed causing me to pay for the loaders mix-up. They told me that this decision was final.

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 2017-05-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
On numerous occasion I have contacted  TransUnion LLC. a bout inquires on my credit report that were deleted and added back to my credit report without my knowledge. I spoke with an agent on  XXXX / XXXX / XXXX  who admitted that there was a glitch in the system in which everyone was effected but refused to remove the inquires listed below from my credit report. She stated that I needed to prove that I had been effected by the glitch and when asked to produce information that stated I was not she could not produce the information.    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   duplicated should only be listed once )   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 2017-05-30 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: SN SERVICING CORPORATION
State: CA

Complaint narrative:
SN Servicing h as been lying to me thinking I 'm under review for a loan modification/ loan work out since last year and no I found out that they have set a foreclosure sale date for   XX/XX/2017 .   <P/> I also found out that on the notice of sale they have increased my loan balance from {$49000.00} to {$85000.00} in just 3 days.  <P/> Please help me sin ce SN Mor tgage is taking advantage of my and my family.  <P/><P/> Thank you  XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: FIFTH THIRD FINANCIAL CORPORATION
State: NY

Complaint narrative:
Hello!     My checking account at the  Fifth Third Bank  went into overdraft on    X/XX/2017 .
<P/>  The bank did not notify via mail, phone, email or text.  <P/> I have banked regularly with th e Fifth Third Bank  for over 10 years and have received regular direct deposits during this time period. My lengthy history wit h Fifth Third Bank  demonstrates regularity and compliance.  <P/> If I had received any type of notification fro m the Fifth Third Bank   regarding the balance of my account I would have taken immediate action to correct the error.  <P/> My payroll did not go through as it always has, so the account balance went negative.  <P/> I find it absolutely unacceptable that over the course of 10 days the bank took no action to notify me, but instead ran rapid fees to my account.  <P/>  Fifth Third Banks states  they sent " emails '' which I never received. If I would have I would have called my employer immediately, called the bank and corrected the situation.  <P/> When I conta cted the Fifth Third Bank in hope finding a resolution that works in both our favors they denied me any act of  compassion or understanding.  <P/>  Fifth Third Ban k stated " We recommend checking you account regularly. '' The bank issued a credit to my checking account in the amount of {$37.00}  Fifth Third Bank sa id " Check you account notifications to avoid this in the future '' I spent over a week on the phone with different managers, account representatives and branch managers with no resolution even considered from the bank.  <P/> Even after I talked to the bank they continued to run fees on my account.  <P/> They have prevented me from paying m y Fifth Third credit ca rd bill which I asked my parents to pay to avoid any more fees from them. As of now I am not allowed to make payments.  <P/> I feel I was scammed by The  Fifth Third Bank . As I am a regular working class person who is paid regularly.  <P/> I find this appalling and unethical.  <P/> The dates and fees are as follow s :  X/XX/2017  in the amount of {$110.00}  X/XX/2017  in the amount of 148.0 0  X/XX/2017  in th e amount of {$110.00}  X/XX/2017  in the amount of {$110.00}  X/XX/2017  in the amount of {$74.00}  X/XX/2017  in the amount of {$110.00}  X/XX/2017  in the amount of {$37.00}  X/XX/2017  in the amount of {$37.00}  X/XX/2017  in the amount of {$37.00} ( bank wo n't allow me to pay my credit card bill and charged me a late fee ) Total overdraft fees equal {$770.00}.

Company response to consumer: Closed with explanation