vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-02-06 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONSTAR MORTGAGE LLC
State: IL

Complaint narrative:
NationStar or " Mr.Cooper '' is the service company - Loan # XXXX. At end of the foreclosure process - they sent notice of the Service Member paper work indicating that I was not a service personnel and the next notice I receive is that on XX/XX/XXXX summary judgement was issued. We were waiting for the court date and were not notified so were unable to send our new attorney to request a short sale since we believed we had used up all our legal options. 

Our original attorney since XX/XX/XXXX - XXXX XXXX - had withdraw from being our attorney in mid - XX/XX/XXXX. The bank 's foreclosure attorney had that information since they were in court. 

When I called NationStar aka Mr. Cooper and spoke to customer service last week I was informed that they had gotten statements back back that were sent to Attorney XXXX but had not called me to find out if something had changed. They told me that the foreclosure department does not " talk or communicate '' with the customer service department. They were fully aware of all that had transpired - court date, sheriff 's sale date - so someone had told them this information. One of the agents I spoke to told me that they had called the attorney back in XX/XX/XXXX but had not called since because they had gotten busy with " hurricances and floods ''. I asked to have the issue escalated and spoke to another agent that gave me an email to escalate my concerns to - XXXX. I sent an email this past weekend and have not heard back from anyone. 

We want to be given an opportunity to do a short sale instead of having a foreclosure on my record - they told me to go via XXXX but that they could not guarantee that I would be given time to do the short sale. As you know, there is a lot of paperwork involved in doing a short sale and putting it into XXXX. I know since I am also a XXXX XXXX XXXX who has done XXXX XXXX for my clients since XX/XX/XXXX. 

I would like Mr. Cooper to give me a chance to do the short sale - a minimum of 120 days to list the home, get a buyer and submit the necessary paperwork. 

Just because I was not notified of the final court date and the sales date was escalated some how in one of the largest counties in the state only adds to my curiosity on how they managed to do this. 

My reach number is XXXX - my email is XXXX Any assistance would be appreciated since Mr. Cooper does not seem to want to respond to me at this point. The property is finally at least at market price. My son and his wife have lived in the unit and will also need additional time to leave if the court date can not be stopped for some reason. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: WELLS FARGO & COMPANY
State: MS

Complaint narrative:
Wells Fargo and XXXX XXXX fraudulently signed me up for the Wells Fargo Visa Home Projects credit card, without my knowledge or consent, to finance a purchase of windows from XXXX XXXX of XXXX, Arkansas. 

Please see the attached materials in support of the CFPB complaint. 

I request the CFPB to investigate the Wells Fargo Visa Home Projects credit card product line for widespread fraud and consumer abuses.

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 2018-02-06 00:00:00
Product: Debt collection — Auto debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: CREDIT CONCEPTS, INC.
State: WA

Complaint narrative:
I currently have another ticket open with CFPB regarding this business which has been open for over 15 days now. XXXX Although this ticket is open and not responded to, Credit Concepts is still continuing to call myself and my employer directly. They have continuously called and emailed my employer directly to " Verify employment '' my employer has verified employment with them several times now, and it's gotten to the point of harrassment. My employer has come to me multiple times now wondering why I have so many calls to verify my employment and are questioning the validity of this business all together. 

I have included screenshots of emails and call logs showing these instances. Please note these recent calls and emails are still happening while Credit Concepts is delaying responding back to my original ticket. I feel these emails, calls, and otherwise, are retaliations to my original CFPB complaint.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: TD BANK US HOLDING COMPANY
State: DE

Complaint narrative:
I opened a TD premier checking account back in XX/XX/2017. I completed all the required actions for qualifying the account opening bonus ( {$300.00} ) as required on time, but have not received the bonus since then. 

Over the course of past one year, I have done everything I could possibly do to resolve the issue with the TD bank. I contacted either the branch, TD phone agent, or online secured message center almost every week. However, till today, I have not received my deserved bonus ( {$300.00} ) yet. TD has been forever kicking me back and forth even though they know the issue but just don't want to face and fix it. As a single customer, I feel so helpless and hopeless to confront such an arrogant giant company. 

I am now so exhausted and have to turn to you for help. Thank you so much for your attention and kind help! I highly appreciate it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: OK

Complaint narrative:
In XX/XX/XXXX, the company I worked with for 6 years closed its doors. I was unable to obtain comparable pay for about 20 months. In XX/XX/XXXX, I obtained permanent stable employment and was told by the mortgage company that I could not file for a loan modification until XX/XX/XXXX. In XX/XX/XXXX, the foreclosure petition was filed by the mortgage company. 

During the foreclosure process, I was told by the mortgage company that all forms of communication had to go through the attorney. So I submitted the loan modification paperwork on XX/XX/XXXX via the foreclosure attorney. Summary judgment was filed on XX/XX/XXXX. I finally received an email from the foreclosure attorney on XX/XX/XXXX indicating that the " the documents I submitted are still under review ''. See " email regarding loan mod '' attached. This action is in violation of the CFPBs Prohibition against dual tracking because the foreclosure attorney proceeding with foreclosure while under review for a loan modification. 

Also, the mortgage company has not been able to produce a true, valid and original note and mortgage. The note and mortgage attached to the Foreclosure Petition ( see attached ) is different from the mortgage and note submitted with the Summary Judgment ( see  attached ). Since the mortgage and note are fraudulent and the mortgage company is unable to foreclose if they are not the holder of a true, valid and original note and mortgage.

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 2018-02-06 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: CHECK INTO CASH INC.
State: WI

Complaint narrative:
I had a title loan with : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. In a period of 10 months ( beginning XX/XX/2017 ) I paid {$270.00} per month and today I paid off the balance of {$1900.00}. The principal of my loan was only reduced {$86.00} in 10 months. In 10 months I gave them a total of {$4600.00}. This doesn't seem right and I did not understand the implications of my contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-06 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: TX

Complaint narrative:
A Collection company is trying to collect from me. The document that they are using against me and as evidence has a signature that is clearly NOT my signature. 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 2018-02-06 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: AFNI INC.
State: TN

Complaint narrative:
I just got this number last month. The debt belongs to another individual. I've asked numerous times for them to quit calling. The company 's name is Afni. I spoke to  XXXX at XXXX today and again advised that this person does not have this number please put me on the do not call list. Tried to get me to sign up for debt relief in my name. They call 8-10 times a week trying to collect debt from someone named XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-06 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: Western-Shamrock Corporation
State: OK

Complaint narrative:
Was sent a letter in XXXX dated XX/XX/2017. Stated that my account was referred to branch manager for legal review. That they expected me to pay within 10 days of that date. Otherwise could result in direct garnishment plus legal fees. Please don't make legal handling necessary. I am on XXXX receive $ XXXX  month. This was a scare tactic.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc.
State: NM

Complaint narrative:
NelNet is incorrectly reporting a past due student loan. Attached are screenshots making it crystal clear their errors. I consolidated my " NON DEFAULTED PAID IN FULL THROUGH CONSOLIDATION LOAN '' loan to XXXX XXXX onXX/XX/XXXX ( see gov bank end shot ). NelNet is reporting a past due collection for this same loan on my credit report with 180-day lates XX/XX/XXXX. NelNet is incorrect and never updated their systems with this loan like my other loans were.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-06 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: NC

Complaint narrative:
I have recently relocated to the US in XXXX 2017. The first thing I did was to try and get a car through XXXX XXXX of XXXX, NC. The company took my social security number and randomly contacted multiple financial institutions causing a total of 7 hard inquiries to be registered under my credit reports ( 2 under Transunion and 5 under XXXX  ). This was done without my approval and without even informing me.

Of course the dealership did that trying to secure a sale of the car at my expense. I was shocked to see the effect on my credit report as a result of these 9 hard inquiries. All of which were not authorized by me.

All the hard inquiries were run on XXXX XXXX 2017 which is the date I was in the dealership.

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 2018-02-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Professional Finance Company, Inc.
State: KS

Complaint narrative:
I noticed on my credit reports that there was a debt for XXXX XXXX in the amount of {$390.00}. I have since taken care of that debt in order to retrieve new service. I am requesting that this debt be removed from my credit report. I also have not had any correspondence stating that this debt was in collections.

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 non-monetary relief
Consumer complaint received 2018-02-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Experian ; I signed up in XX/XX/2016 to monitor my credit report and after a few months I decided to cancel as I did not need the services anymore. I tried contacting Experian at the number that shows up on my credit card statement and i have sat on the phone over 20 times for over 45 minutes only to have the call dropped. While on the phone with them they have a recording that plays that says " if you want to cancel your membership, sign in to your account online and its easy to cancel '' however there is no place to be easily found on their site to cancel the membership. They route you back to calling in to cancel. Today while sitting on the phone I surfed their site and finally found an email to XXXX. I sent an email requesting cancellation and informed them that I was filing a complaint with the CFPB and FTC. For a company to make it so difficult to cancel is fraud. While I was typing out this complaint I finally got someone on the line with Experian after another 32 minutes. Then suddenly the call dropped, again!!!

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 2018-02-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
Hello, I began making purchases of digital currency in or around XXXXXX/XX/ using a JP Morgan Chase-issued credit and debit card. In XX/XX/XXXX, I made another purchase of digital currency in the amount of {$250.00} using my debit card. On XX/XX/XXXX, I was charged a {$7.00} service fee for a non-ATM cash fee relative to the {$250.00} purchase. I was not informed by my card issuer that I would receive penalties for purchasing a digital currency asset. I do not believe these are fair practices. Im certain other consumers have been affected.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-02-06 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:
On XX/XX/XXXX someone used my identity to attempt to apply for a Walmart Credit Card with XXXX XXXX. I contacted Synchrony immediately when I received the alert from my credit monitoring service that someone had attempted to open an account. I notified them that the account was fraudulent the same day. I was told they had to investigate before the inquiry would be removed and given an address to mail a written request for removal. I wrote a letter and sent the request to XXXX XXXX XXXX XXXX, FL XXXX as I was instructed. I was told that they would send me something in the mail. I have not received anything from them. I called back on XX/XX/XXXX and was told it was still under investigation. None of the information on the application matched my information except my name and social security number. I already had a fraud alert on my credit report advising them to contact me before accepting any applications and no one contacted me before this inquiry was placed on my report. I want this inquiry removed it is affecting my score and it is fraudulent.

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 2018-02-06 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Vehicle was repossessed or sold the vehicle — 
Company: WHEELS FINANCIAL GROUP, LLC.
State: CA

Complaint narrative:
Received a title loan form XXXX, in meantime my car was totaled. XXXX was informed and repossessed the car. Was sold at auction, and status or amount still owed has never been tallied or given to myself after several requests. nor can i get accurate info when calling

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-06 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX is collecting a debt that I am not aware of and the license number XXXX is expired to collect in the state of Florida the account number for this debt is XXXX .... 
The amount trying to be collected is XXXX I would like this collection to be deleted from my recent credit reports Last 4 of my social are XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-06 00:00:00
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Altisource Portfolio Solutions, S.à r.l.
State: TX

Complaint narrative:
I have a second mortgage loan that was charged off in 2009 in the amount of {$29000.00}. At the onset the loan was owned by XXXX XXXX whom I modified the loan with. Due to the charge off portion of the loan, XXXX maintains a lien on the property. I contacted XXXX to settle the debt through the sale of the property. XXXX informs me that they have sent the loan to XXXX XXXX XXXX XXXX who now tells me that they have sent the loan to XXXX XXXX XXXX for servicing. XXXX informs me that the debt is now {$45000.00} to settle. There has been n o explanation of any escalation in charges and the companies are now blocking the sale of the property to see my bank records, tax statements ect. I am trying to settle the debt in full and need to see the escalation in charges and neither of the companies are cooperating. Even attempting to settle at the inflated amount, the companies are not cooperating without wanting to see all of my personal information. Neither company has validated the debt after I sent letters to each of them requesting a validation.

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 2018-02-06 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: DE

Complaint narrative:
I have a student loan that is serviced through Navient that was in active repayment status paid via " auto-pay '' which I have set up through their website. In XX/XX/XXXX I began taking some classes part-time. In XX/XX/XXXX/XX/XX/XXXX, without any initiation on my part, Navient changed the status of my loan to " student deferment '' meaning that my auto-payments were stopped while the loan sits and accrues interest. There was absolutely no communication from Navient that this was happening. I only became aware when I noticed the payments were no longer being drawn from my bank account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-06 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: CA

Complaint narrative:
A couple of years ago ( about XXXX ), I took out a {$300.00} payday loan with XXXX XXXX, in XXXX County, California. I intended to pay it off but forgot about it, when I moved to XXXX, California, to rent a room from my Sister in XXXX, California. A while back, I received e-mails from XXXX XXXX XXXX and XXXX XXXX demanding payment of {$400.00}. As background, I am XXXX XXXX XXXX, and about XXXX, I became a victim of identity fraud when I got a phone call at my workplace, with the caller stating I owed them {$500.00} and if I didn't pay this amount immediately, using a card purchased at XXXX, the caller 's company would sue me in a court action, and I mostly likely would lose my job. This phone call frightened me and I did as instructed, bought the card and loaded {$500.00} onto it, and sent the payment. After I had completed this payment, I spoke about it with the California Attorney General 's Fraud Unit on the phone and that representative told me there was no way to trace the payment and I was out the money. They also told me it was probably a scam, and I should never send funds this way. With regard to my current situation, I have responded to the loan company, ACE, but they insist that I buy an XXXX card, load {$400.00} onto it and send the funds this way to ACE. I am wary of sending payment via an XXXX  card because around XXXX XXXX, a local tv channel news item told the viewer not to use an XXXX   card for payment, they were a scam. Also, I am leery of sending funds to the e-mail ACE because of the bad English grammar, in their email, which is another sign it might be a scam. So, today I sent another e-mail ( we have been going round and round about this payment ) to ACE, XXXX XXXX, advising him I want to make a traceable payment to resolve my debt of {$400.00} but he insisted in his e-mail I need to use the XXXX payment process, which is different from the e-mail I got from XXXX XXXX XXXX of ACE, who told me to pay using a XXXX and they would send me the correct instructions to make this payment, but XXXX XXXX stated in his e-mail, I can only use the XXXX  method. Hence, my contact with your office. I need correct information ( perhaps a legal corporate service of process address for XXXX XXXX ) to send the {$400.00} to ACE and resolve this matter. Today, I spoke on the phone with XXXX of your staff and he tried to get a good mailing address for XXXX XXXX, but he couldn't. I think I'll look at the California Department of Corporations listing and see if I can find an XXXX XXXX service of process address.

Company response to consumer: Closed with explanation