vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-04-20 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: TX

Complaint narrative:
I have received your response to our complaint that we issued against NationStar Mortgage 's ' handling of our mortgage account  XXXX   XXXX  ) and request for mortgage assistance.   Just to clear up any confusion, we are still in the same position ( we did not receive any help ), but was approved for a modification that would increase our payments. This is nothing but a distasteful joke as we can not afford current payments because of the present  one income, nevertheless the payments are running behind and instead of easing the burden while our income is much lower, our payment have increased an HOA dues in the amount of {$5800.00} are due. I have contacted Nations Star  and a represented tried to explain and then transferred the call and I was transferred again.   As of  XXXX   XXXX ,   XXXX  , I call requesting to speak with a supervisor, but was told none were available, but if I was " calling about the mortgage assistance, there is nothing a supervisor could do because your escrow is short ''. In essence ; our payment increased because we are running behind, Is this an answer to helping mortgage consumers? This is only doing what mortgage companies would need consumers to do, which is pay more to catch up, there is no need for modification when it turns out this way. What more do I need to do so that we could get help with our mortgage?   Today,  XXXX   XXXX ,   XXXX   I called and spoke with  XXXX  at  XXXX   XXXX   XXXX   XXXX , who answered the call in the Bk department. Our designated person to speak with has not return my recent phone calls. I express to  XXXX , the modification was unacceptable and we could not accept the present terms, also someone keeps placing collections notes on our door to call the mortgage company although we are behi nd TWO payments, although this can add up, this collection method is demeaning and unnecessary. Lastly, the HOA dues needs to be address as quickly as possible. Our attempts to resolved these matters with Nations Star has fell on deaf hears. Nationstar 's ' violations and penalties is not without concern as we have seen this spill over and affect our ability to communicate and resolve any financial issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-19 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: NRA Group, LLC
State: GA

Complaint narrative:
National recovery has Reinserted a previously deleted information. It was n't accurate in the first place, but now Its back on after being deleted 2 years ago!. Please help

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-20 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX   XXXX   XXXX   XXXX   has been receiving verification of late payments on a closed  XXXX   XXXX   XXXX   XXXX  . Account closed in   XXXX  . I have given repeated letters to   XXXX   XXXX   on the verification in writing my payment history.     XXXX   XXXX   XXXX   I submitted a written notice of legal action due to the repeated request of written verification. I received a called on   XXXX   XXXX   XXXX   from a   XXXX   XXXX   XXXX   Representative stating that he will research.   Yesterday on   XXXX   XXXX   XXXX   I received a call from  XXXX   XXXX   XXXX  stating that the payment history is correct. I asked will I get a written verification of my payment history it was denied. The representative stated that a letter was written stating that his team research was correct not payment history to be verified.

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 2017-04-20 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Stellar Recovery, Inc.
State: TX

Complaint narrative:
I 've tried disputing a fraudulent collection account on my credit report. I 've sent letters to the agency and have gotten little response. My official complaint is against??? for reporting credit information to the credit reporting agencies that was a result of Identity Theft I 've asked in my letter that the negative reporting ceases and the information be removed from my credit report.     I want the negative credit reporting to cease and for the collection account to be deleted from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-18 00:00:00
Product: Credit card — 
Issue: Balance transfer — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
I transferred a balance to my  capital one credit ca rd in   XXXX   XXXX    . I went to look up the information on the end date to avoid paying interest and this information was not available online. It was also not available on my statement. Aft er two chat  sessions and a phone call, I was finally given this information. It is hidden for some reason and it is not acceptable. Capita l one seems  to be deliberately hiding this information or making it difficult to access for consumers. Maybe they are doing it to keep consumers in the dark about their balances and therefore they forget and get charged ridiculous interest rates. This information should be readily available to the account holder.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-20 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
On Saturday   XXXX   XXXX   I used my debit card at a   XXXX   ATM machine and also mad a gas purchase and food purchase as well. This was the last time I seen my wallet and cards in my physical, I didnt realize until sunday night that I did not have my credentials and check my online banking and realized some fraud charges were made to the account that I did n't authorize. I file my claim with citizens bank and from the jumb they made me feel guilty because they said the account was a fairly new account, and now because of this i feel like im not getting proper results and customer service. I spoken to about  XXXX  different ppl and they have all told me different things, then I was informed when I went into the bank today that they have dismissed my claim. I know have  XXXX  different claims numbers because I reopened the claim ... ... ... I spoke with a lady named  XXXX  who is a a lead supervisor over a debit card claims debt, she has been very agressive and unprofessional to me, if you do your research and hear all the calls I have placed with citizens bank because they are all recorded these ppl are mean and rude, and really made me feel bad about having a new account with this bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-21 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
After several months of no decision on a loan modification and being told that if I accept a trial it will halt c  Income bas ed consideration,  Citumortgage sta rted the foreclosure process on my home. After several conversations, I was asked if the home was vacant. The answer was yes. It seemed that the movement stopped on my modification because it went to underwriting twice. During this time I went to court several time and at the mediation, there was no compromise on their part. I was offered a trial that was {$800.00} MORE that my current payment. I made  6 pay ments because I did n't want to loose my home. When I received the paperwork, I questioned why my payment was so high and was told it was for taxes and I needed to discuss it with   XXXX   tax. They put me in touch with  XXXX  and they said it was the vacant property tax. When asked how they know the house was vacant, they said  Citu rep orted it to them. They also said that there were conditions for exemption. I was exempt o n 2 ca tegories. Litigation and renovation work. The tax was  XXXX  and should not have been paid  by Citi an d added to my mortgage payment. I submitted the necessary proof to  XXXX . I had a court date in the interim and told the court about the payment and that I was awaiting that reimbursement. In the meantim e Citu sold m y note to  XXXX  mortgage for  XXXX  without the adjustment being received for the  XXXX . The original mortgage at time of application for modification was  XXXX . The problem is that the bank reported my home to the city as vacant knowing that it was exempt from the year over year tax. I wonder how many people have lost their home because citi reported their home and they incurred the tax and did n't question it.     I want this practice looked into. I wan t Citi to modify  my mortgage to the very first offer and make adjustment inclusive of all payments, interest, fees, etc.

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 2017-04-22 00:00:00
Product: Credit card — 
Issue: Other — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I received a phone call from a female  XXXX  supposedly from  XXXX   XXXX   XXXX . She told that to call  XXXX  regarding a complaint a summon for a debt supposedly I owe in   XXXX    . They told me if I do n't pay I could me arrested or freeze my back account. I do n't owe anybody.. I check my credit report and that account does n't exist. They have n't send me anything through the mail. The only thing they send me a email. they wanted my back information and my signature. I check in the internet and I 'm not the only one who this people called.. This company is not in the internet, I checked.. I want them to stop harassing me..

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-19 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC.
State: IL

Complaint narrative:
I have private and federal loans with  XXXX   XXXX  then  Navient.  When I was with  XXXX   XXXX  I requested to have my co-signer removed. They told me that if i pay on time f or two ye ars I can submit a request to remove my cosigner. When I complied I submitted my request and they told me they could not remove my cosigner because I did not make over {$60000.00}. Then I requested that to consolidate my loans in order to lower my interest but they said they do n't offer that service. Then I received a letter informing me that  XXXX   XXXX  is know  Navient. I calle d an complained that I did not agree, but they said they could do nothing about my request. A couple years ago I could not pay my loans for a couple of months and Navient improperly directed me into forbearance. I have the letters of the forbearance.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-18 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ATG Credit, LLC
State: NC

Complaint narrative:
ATG Credit LLC  is attempting to collect a debt from me that I never established a contract with this company at all. Purchasing a debt and obtaining documentation or bills is not legal contract that binds to owe you any money at all. Furthermore  ATG credit LLC is in complete violations of FCRA by placing negative tradeline on to my credit reports which is complete slander to my name

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-19 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I 've submitted several certified letters to all  XXXX  credit Bureaus about inquiries that I was unaware of listed on my Credit Report as of today I still have n't gotten a response. This situation is affecting my process of purchasing a home. Please instruct me on what I should do next. I 'm looking forward to hearing from you soon.

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 2017-04-20 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
I have contacted TRANSUNION several times on the   XXXX   XXXX   account that has been paid in full since  XX/XX/2017   . I have tried to get them to update the credit report and they refuse to do so. I am going to be seeking legal advice at this time. They are reporting misleading information on my report, and I have a legal right to dispute this information and also to have it reviewed and updated. This account is paid in full as you will see in the evidence submitted.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-19 00:00:00
Product: Money transfers — International money transfer
Issue: Money was not available when promised — 
Company: Ria Envia, LLC
State: MN

Complaint narrative:
Hi, An online transfer request of  XXXX  $ was made on   XXXX   XXXX   XXXX     through  RIA fro m  US  to  XXXX . The receipt showed that amount should be delivered by  XXXX  which did not happen. When called on  XXXX , customer support told recipient account was entered wrong and re initiated the transaction making changes.The new estimated delivery was said to be  one day w hich is on   XXXX / XXXX , this wa s on call with customer support, but new receipt showed   XXXX   XXXX   and they confirmed that receipts show differently to original delivery date. Amount was not deposited even on   XXXX   XXXX   but the online status showing as deposited. When called about this, they claim that the amount is deposited, but the recipient ban k manager confirmed th at amount is not still deposited. I have the online snapshots of recipient account showing no amount deposited and RIAs order tracking status along with time stamps. They tell something on call which is entirely different when checked online. This is really needed right away for my family as its causing lot of damage and extra penalty as we were unable to pay the loan at recipients account because of delay in this transfer. I can provide all the receipts and order status snapshots and also request to track the call recordings to get clear proof on how the customer service is falsifying the information to that of online . I hope CFPB w ould help to resolve this complaint as soon as possible and reply back with positive feedback.

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 2017-04-21 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: LEXISNEXIS
State: MN

Complaint narrative:
To Whom It  May Co ncern : I have recently been informed that there is a Bankruptcy in the file you maintain under my Social Security number. Upon ordering a copy of my credit report, I see an entry listing a Bankruptcy in I do not have  a Tax Lien or B ankruptcy.      ( UNITED STATES BANKRUPTCY COURT DISTRICT MINNESOTA ) does  not report  ( type of file - Tax Lien or Bankruptcy ) to credit bureaus.    Federal law protects the privacy of most personally identifiable information reported. However, credit bureaus actively search public records for any judgements or tax liens.     A Bankruptcy filing is public information. Again , ( UNITED STATES BANKRUPTCY COURT DISTRICT MINNESOTA ) does not report anything to the various credit bureaus, nor do they verify that the   information reported is accurate.  ( CB Nam  e-   XXXX   ,   XXXX   ,  XXXX  ) has found  information on ( type of file - Tax Lien or Bankruptcy ) through  third party resear ch.     Please validate this information and provide me with copies of any documentation associated with this account bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number.     Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act, section   623 ( a ) ( 3 ), and I am keeping careful record of your actions.
Failure to respond satisfactorily within 30 days of receipt of this certified letter will result in a small claims action against your company. I will be seeking {$5000.00} in damages for : 1. Defamation 2. Negligent Enablement of Identity Fraud 3. Violation of the Fair Credit Reporting Act You will be required to appear in a court venue local to me, in order to formally defend yourself.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-21 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: ASTORIA BANK
State: PA

Complaint narrative:
Short sale request was denied for a bogus reason.   I received a short sale denial letter yesterday that makes no sense and  Astoria i s not responding to me.   The denial letter states that the short sale was denied due to excessive fees and the offer was too low.   The fees on the seller side are NOT excessive - the 6 % realtor fee and 2 % transfer tax for Pennsylvania are traditional and customary - NOT excessive.   The sale price of this home is $  XXXX , which is the fair market value for this home. At this sales price, with all sellers closing costs deducted ( again - traditional and customary costs ) - with  NET Astoria  {$350000.00} - which is BELOW the payoff fo r Astoria.    Why woul d n't Astoria resp ond with a counter offer if this was the case - a rejection is just yet another way to delay this file.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-18 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
By the end of   XXXX   XXXX  , Ban k of America n otified me that my home loan ( Account #  XXXX  ) serviced by  XXXX   ( A ccount #  XXXX  ) was going to be transferred to  BofA ag ain. They notified me with only  2 weeks  in advance. I used to pay twice during the period of the  XXXX . and   XXXX   of each month through the bill payer I had set up in my  Credit Union  account.  XXXX  received the first payment on   XXXX   XXXX   XXXX   as it can be seen in the payment history attached but the second payment set up for the  XXXX  was returned to my account. I was informed by the  Credit Union tha t  XXXX  had close the account.     In  XXXX  I sent to  Bank of America  the returned payment as well as the due payments for the month. BofA kept showing and still is showing in my account on line, that my payment was/is past due. I went a couple of times to local branches but I was told that all mortgages are only managed on line. I contacted BofA to inform them that all the payments had being submitted timely and that they should post the last payment I sent to  XXXX . In the meantim e, BofA has sent  me letters a couple of them certified letters offering " help '' with my missing payments.      Three  months has passed since the account is showing missing payments that are not truthful. There is no pending or missing payments at this time. I am writing you so BofA update all the payments I have made to my account. Past experiences have taught me that at the end I am hold responsible for actions that  BofA has done  or not done. I am asking you to please request BofA to request the missing payment to  XXXX  and keep a truthful record of my mortgage payments.

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 2017-04-21 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: WELLS FARGO & COMPANY
State: MI

Complaint narrative:
My wife a nd I purchased a new vehicle. We went through Wells Fargo for our loan. Less then a month later, we refinanced with our credit union. Wells Fargo signed off on title and sent a letter releasing the lean. After a month went by, we received a bill from Wells Fargo that we owed them money. I contacted Wells Fargo and tried to resolve the issue. I informed them that we received letter of release and that Wells Fargo was not on title anymore. They said that we still owed them money and it needs to be payed. I stated that my credit union payed off vehicle and they where new lean holders. I informed them I was not paying. I asked for a manager and she was completely RUDE! They reported to all credit bureaus that i was late on payments a nd this dropped my credit over  XXXX  points. They also sent us to a internal collections. I 'm still trying to resolve issue at this time. I have submitted disputes with credit bureaus. this is a very long and stressful process! I am absolutely apald hoe they can destroy my credit so easily and not care that we have evidence to back our self up.

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 2017-04-18 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: CREDIT ACCEPTANCE CORPORATION
State: SC

Complaint narrative:
On  XXXX / XXXX /  XXXX   I obtained my credit report pulled by   XXXX   XXXX   XXXX   in order to qualify for a mortgage. I noticed on my credit report I had a repossession from  XXXX  reporting from  Credit Acceptance.  I have emailed, mailed, called, and faxed correspondence in regards to seeing where this account came from. I have no recollection or did I gave anyone permission to obtain a vehicle loan in my name. Under the FCRA this company is obligated to provide any legal binding contracts with my signature showing that I signed for or gave them permission for this loan to be obtained in my name. I have not been able to get a response from the company in regards to this account.

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