vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-07-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: NATIONSTAR MORTGAGE LLC
State: NY

Complaint narrative:
I am in the process of trying to complete a short sale. The bank is Nationstar Mortgage ( XXXX XXXX XXXX XXXX or XXXX ). I have called them repeatedly and they refuse to give me any information about this loan citing litigation that I know nothing about. They hang up on me each time I request information. They did ask me to call XXXX, XXXX XXXX XXXX ( XXXX XXXX XXXX ), who is representing them for some reason. I called them and they told me they are awaiting some documentation from Nationstar and could give me no further information. They referred me back to Nationstar. At this point I 'm extremely frustrated because I have a buyer for the house. I received a notification from XXXX et al that the foreclosure has been canceled yet Nationstar is not allowing me to move forward with the short sale and has not given me a reason for doing so. I am lost and do not know what to do at this point. They are stone walling me and causing me some duress. I speak to these people and there is a certain amount of glee in their voice. They have the nerve to tell me I 've forfeited my right to any information about this property. That 's unconscionable. They repeatedly have me send the same information over and over again stating that I am missing some document when i know i have sent it. See attached letter. What they are doing is just plain wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Chase XXXX XXXX XXXX XXXX AND XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX On XX/XX/XXXX, we sent an authorization to Chase in order to begin the process of a short sale. Both borrowers were XXXX, however there is a Successor Trustee, XXXX XXXX XXXX, named on title and duly recorded. XXXX XXXX signed the authorization for us to speak on the account, and we submitted the authorization, the Recorded Affidavit of XXXX of Trustee ( borrower XXXX XXXX ), and a copy of the XXXX Certificate for XXXX XXXX. ( ( Prior to all of this, XXXX called Chase to see what their options were regarding this property and was told that she may surrender the property to Chase. Chase sent her surrender documents and told her to take them to the county to record it. She did not do that, as she felt there was a more appropriate way to handle the disposition of the property. -- - This shows that Chase did acknowledge XXXX XXXX as the authorized third party otherwise how could they give her the ability to legally surrender the property? ) ) On XX/XX/XXXX, we contacted Chase and were told that XXXX XXXX was not authorized on the account and therefore could not authorize us. ( Chase claims someone else is authorized - the other daughter ) I pointed out that we faxed, along with the authorization, the Affidavit of XXXX naming her ( XXXX ) as Successor Trustee, and the Affidavit of XXXX of Trustee ( Borrower XXXX XXXX ). The rep acknowledged receipt of those documents however still refused to discuss anything with me, or transfer me to a supervisor to discuss it further. Chase has taken it upon themselves to authorize someone else on this account, who is NOT the Successor Trustee, and therefore has no legal authority to speak on the file.
Additionally, Chase has taken it upon themselves to DENY the Successor Trustee the authority to speak on the account, or to liquidate it as she sees fit. *****CHASE DOES NOT GET TO DETERMINE WHO DOES OR DOES NOT HAVE LEGAL AUTHORITY TO SPEAK ON AN ACCOUNT****** Chase CAN NOT have it both ways. Either she ( XXXX ) is authorized and is allowed to receive and record a surrender, or she is not and they violated the law by sending her the surrender document. Chase does not get to decide who the trustee is AND THEY CERTAINLY SHOULD NOT BE TAKING DIRECTION FROM SOMEONE THAT HAS NO LEGAL AUTHORITY TO SPEAK ON THE ACCOUNT. We have attached a copy of the title report, the XXXX borrowers Trust Docs naming XXXX XXXX XXXX as Successor Trustee, the recorded Affidavit of XXXX of Trustee naming XXXX XXXX XXXX as Successor Trustee, the document from the Federal Government ( IRS ) issuing an EIN number and naming XXXX XXXX XXXX as the trustee, and the XXXX Certificates for both borrowers.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-20 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Real Time Group, Inc.
State: CO

Complaint narrative:
I want to start by saying that Real Time has been nothing but polite and considerate this whole time. I do not fault any of the service reps that I have dealt with. My husband and I obtained a home equity loan through XXXX XXXX 9 years ago that was 125 % of our home value. The market crashed and XXXX went out of business, selling our loan to Real Time Resolution or an investor that they represent for pennies on the dollar. We ended up filing for Chapter XXXX bankruptcy 7 years ago. Our lawyer avoided the lien in the bankruptcy paperwork and Real Time did not file any objections. Our home was very negative at the time. We were able to settle with our 1st mortgage company and have been making payments on time since. This year we are trying to refinance our home mortgage so that we can pay off some extra debt and we have good equity in our home now. I have spent the last several months trying to get a settlement with Real Time. They say that we owe {$69000.00} in principal on the original loan and then want an additional {$75000.00} in interest for the last 8 years of not paying on this second mortgage. They are not on our title and they are not on our credit report and they have not been able to provide me with the documentation stating that they have the authority to remove the lien from our title. They were not willing to present an offer to their investor because it was not enough. Another offer was just made but we are hitting a point were our DTI is going to make this process impossible. I worry that they actually do not have a claim here and that I am going to send them money and nothing will happen except I am now out a lot of money. I have never seen any paperwork stating loan balances but I know that they were not able to bother us because of the bankruptcy laws. Realtime loan # : XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-20 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: MIDCOUNTRY FINANCIAL CORP
State: IN

Complaint narrative:
I lost my job but I bought the insurance to pay for my payment in case that would happen. I talked to someone when they called and they said they could n't do anything about it. Also when I refinance my loan, they did n't take the principal amount to calculate the new amount but the whole loan ( with all the interest calculated in ) making the payment that much higher. Also it is confusing because on their webpage there is only the " full amount '' loan amount plus all interest. I feel that that is not right and some shady loan practices are afoot.

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 2017-07-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Early Warning Services, LLC
State: CA

Complaint narrative:
I have a checking and saving account with XXXX XXXX and they are reporting all of my private banking information which includes my daily balances, who I wrote checks and what deposit that I make to a company called Early Warning Services. I have contacted XXXX XXXX over the phone and in a branch and know one is able to tell me anything about this company and how are there legally allowed to know everything about my checking information.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-20 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HCFS Healthcare Financial Services of TeamHealth
State: TX

Complaint narrative:
I have tried to contact this company at the address provided to get information regarding this debt. This company has not provided me with a proper mailing address. And this company is not license to collect in the state of Texas. I 've checked with the Secretary of State of Texas and they have no company with this name as a legit company here. So I ask that with the information I am providing that you demand this company to remove their derogatory and false debt from all of my credit reports. XXXX, XXXX XXXX, and XXXX immediately. this company is a fake.

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 2017-07-20 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: ACS Education Services
State: FL

Complaint narrative:
In 2006 I signed my student loan promissary note with a company by the name of XXXX XXXX XXXX. Keep in mind i was XXXX at the time and unaware of laws or regulations. After I signed the promissary note I was sent my truth and lending disclosure. Nothing in my promissary note stated I would have to pay XXXX XXXX late fees if I was 5 days or more late. It just recently happened that I hit hard times within the last few years and I was coming up late on some payments. I discovered they were charging late payments of XXXX XXXX a month which according to reg Z can not happen unless that was disclosed before I signed my contract. I called the company ACS education services but they refused to comply with removing the fees. They sent me a promissary note copy but it was redacted so it did not show the entire contract. I have been paying this loan for over 8 years, and cannnot understand how they can get away with this. They said " XXXX XXXX '' is my lender but that was n't given to me either before I signed the promissary note. Is this legal? Help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BBVA FINANCIAL CORPORATION
State: CO

Complaint narrative:
On XX/XX/XXXX, XXXX charged my BBVA Compass XXXX card {$170.00}. The correct charge should have been {$59.00}. I contacted XXXX immediately. The customer service representative told me nothing could be done. On XX/XX/XXXX, I filed a dispute with BBVA Compass alleging fraud. The complaint number with BBVA Compass is # XXXX. I asked that the full amount of the charge be reimbursed and the 4 ( {$38.00} ) overdraft fees. On XX/XX/XXXX, I filed a complaint with the police. On XX/XX/XXXX, I spoke to the customer service department at XXXX regarding the police report and my intention to file a CFPB report. The customer service representative was able to refund the fraudulent amount. On XX/XX/XXXX, I contacted BBVA Compass to inform them that the refund was issued. I asked that the four {$38.00} overdraft fees be reimbursed as they were the result of a fraudulent charge. BBVA Compass refused to reimburse the fees even though if the fraud had not occurred, none of the fees would have been charged to my account. The customer service representative at BBVA Compass stated he could only refund {$76.00} of the {$150.00} because my account is less  than a year old. I explained that the fees were a result of a fraudulent transaction. The representative refused to refund the remaining {$76.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-07-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: U.S. BANK NATIONAL ASSOCIATION - SAN FRANCISCO MAIN BRANCH
State: PA

Complaint narrative:
We moved to east coast and do not have a physical Union Bank branch available to us so we called UB @ XXXX on XX/XX/XXXX and told XXXX ( extension # XXXX given to us ) in XXXX TX that we wanted to close our checking acct ( # XXXX ). We called UB again on XX/XX/XXXX and spoke to XXXX ( id # XXXX given to us ) in XXXX TX. XXXX verified that we had {$55.00} in our acct and that we would be charged for a cashier 's check to be sent to us for the remaining amount in our acct. We did not want to pay for a cashier 's check but XXXX told us that we had already been charged for one. We then spoke with XXXX ( refused to give us an id # or extension # ) in TX ( refused to say what location in TX she was in ) and she told us a check was sent to us on XX/XX/XXXX. We felt she was lying to us b/c we first called UB on XX/XX/XXXX to close our acct! We called UB again on XX/XX/XXXX and told XXXX ( id # XXXX given to us ) in XXXX that we had not received a check from UB. XXXX verified that our acct was closed on XX/XX/XXXX and told us that it takes 7-10 days to receive a check for the remaining funds in our acct after it is closed. We called UB again on XX/XX/XXXX and told XXXX ( id # XXXX given to us ) in XXXX TX that we had not received a check from UB and she told us that we had to go into a branch to close our acct. We told XXXX that we were on the east coast and there are no physical bank locations here for regular customers! We then called XXXX XXXX whom we originally opened our acct with @ the XXXX XXXX CA UB branch. XXXX told us that a check was sent out to us and we told her that we had not received one. After some going back and forth with XXXX, she asked for our phone number and told us that she would call us back but she never did! We called UB again on XX/XX/XXXX and told XXXX ( id # XXXX given to us ) in XXXX that we had not received a check from UB and all she did was continue to put us on hold while she tried to find out what was going on, never giving us an answer. We called XXXX @ the XXXX XXXX CA branch again today ( XX/XX/XXXX ) and told her that we had not received a check from UB. XXXX told us that she had spoken to customer service the first time we called her and they told her that we had called them after we spoke with her. We told XXXX that we did not do that. XXXX continued to accuse us and told us that she could not do anything for us. We asked her if we should just go to XXXX and she said that she was trying to help us. We told XXXX that we did not feel that she was trying to help us! We told XXXX that we wanted our check. When she raised her tone of voice, we hung up on her and decided to make this complaint. We are tired of being lied to and getting the run around from Union Bank!!!

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 2017-07-20 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Avant Credit Corporation
State: MN

Complaint narrative:
I have tried multiple times to come to a resolution with avant. Every employee at that company is quick to pass the hat, and then nothing is done. They claim they strive for customer service, absolute lie. They are crooks who take people at a high rate with no hopes of them helping or resolving your issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-20 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: NV

Complaint narrative:
Notified EquifaxXX/XX/XXXX, and sent another dispute in XX/XX/XXXXof a public record/employment record showing up on their credit report as not accurate. I asked for deletion, if documentation could not be forwarded to me, instead of hard documents, they simply stated they received the information from a 3rd party ( XXXX ) ... ... The problem is it 's not mine. They know it 's not mine, because they ca n't even send documents!!! I never owned any property with back taxes in California, or any other state/country. They are listing this information based on a computer " probability '', and not based on any physical absolute, hard documentation with names/signatures. Image 3781 attachment : Is FROM XXXX. As you can see ... .NONE OF THAT INFORMATION MATCHES. Not my name, not my address, not even the case # 's of this mystery lien.This is unacceptable that privately held companies by the name of CREDIT REPORTING AGENCIES, in our country can just place things against consumers ' names, and WE ARE THEN LEFT WITH PROVING IT IS NOT REAL ... ..WHEN IT WAS NOT REAL TO BEGIN WITH!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
Reference in XXXX XXXX XXXX, Hello i have been contacting citi mortgage to assist me with a loan modification package. I have not even got a return call which i set up 2. I have been just trying to get an answer or status to assist the borrower. They have gae me two call backs which i just called at XXXX XXXX  XXXX and was advised that there was no notes and that the point of contact XXXX XXXXXXXXXXXX has not given me an email or a call back today at XXXX. It is XXXX XXXX now and set up another call back for next week.

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 2017-07-20 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Allied International Credit Corp., (US)
State: TN

Complaint narrative:
I keep getting repeated calls for someone I do n't know. I 'm receiving at least two calls a day or more. I 've informed them that it 's the wrong number but they still keep calling. This has been going on for about 40 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-20 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: AMCOL Systems, Inc.
State: TX

Complaint narrative:
A company called Amcol Systems appears multiple times on both my XXXX and XXXX credit reports. I have no idea who or what this company is or who this company represents as this company has not sent me any type of communication as to who they are. They just all of sudden appeared on my credit reports causing some negative damage.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-20 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: Iron Capital Group
State: NJ

Complaint narrative:
Iron Capital Group advertises that you can get a credit line to start your business, all you need is a FICO score of XXXX. I spoke to a salesperson " XXXX '' he explained everything verbally, as it is explained on their website. I was instructed to sign up with XXXX XXXX XXXX, ( a credit monitoring service ) and supply Iron Cap my username and password. Even though my FICO score is XXXX, they said I was being denied because of a few derogatory items on my report. Even though these items have been paid, Iron Cap says they wont be able to fund me. Before I gave them my social security number, they confirmed that they were only concerned with FICO. After I contacted them stating I didnt see the unpaid items on my credit, and that I need more explanation or I would be forced to report them. The director contacted me stating that they meant to change terms on website, and they would n't be able to change for a few weeks, asking me to wait until they had a chance to change the site before I contacted Consumer Affairs. He said there may be other loans that I qualify for but they were unfavorable. He also didnt offer any info on any loans that I qualify for. I believe this company doesnt want to fund XXXX XXXX Business. There are no traces of minorities on website, and I bet they have never funded any.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
I have realized that TransUnion has been charging me a subscription for something I did not sign up for. I have spoken with them and they can only tell me i signed up for a subscription, and allowed me to cancel WITHOUT A REFUND. The cause is from one of two things : either I tried to get a *FREE* credit report on XXXX XXXX, 2017 OR i signed up for a FREE " view my fico score '' through my new XXXX XXXX XXXX card 's phone app. The phone app said it was free access to monthly updates about my credit score. they wo n't even tell me on the phone how i *got* this subscription. I never wanted it, and it 's been charging me and i 've received zero information for anything i 've apparently been paying for. In either case, I am sure i am a victim of the issues I found that the CFPB has discovered, mentioned in the article here : https : //www.consumerfinance.gov/about-us/newsroom/cfpb-orders-transunion-and-equifax-pay-deceiving-consumers-marketing-credit-scores-and-credit-products/ What do I do to get my money back?

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 2017-07-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: RI

Complaint narrative:
To whom it may concern, On XXXX, a Levy was placed with the state of RI for {$1200.00}. I was charged {$120.00} legal fee. I am aware that in the disclosure that Bank of America charges for legal orders. What I am disputing is the fact the state did not have the authority to do so as I have an order from a Judge stating my payments for this matter were satisfactory and not in danger of a levy. I have worked it out with the state on XXXX and they are removing the levy. I am asking the {$120.00} legal fee be reimbursed in this case as it was a state error. They said it will take up to 3 days to remove it. If there is no chance for reimbursement, Id like to be contacted in order to close my account. Thank you for your time.

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