vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-02-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: IL

Complaint narrative:
I make {$100.00} payments to my loan on a weekly basis. And they are applying my payment to a loan that was closed years ago and not the active loan with over 7 % interest. This is the second time that this has happened. And every time it does I am being caused to pay more money as the interest on the other loans that are active and actually have a balance are accruing on top of each other. This is ridiculous that I am losing money because they can't apply payments correctly.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-07 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: SUNTRUST BANKS, INC.
State: LA

Complaint narrative:
I responded to an employment ad on the internet which took me a web site, XXXX, and applied for the XXXX XXXX XXXX. I was interviewed twice and then I was sent ( 4 ) documents in succession to read and then pass written test. Upon successfully passing the test I was hiring the start making purchases for the company and ship the items to designated areas. I was told once I successfully completed the first two assignments, I would receive a corporate credit card as well as a cell phone and lap top. Until my card was issued, I received an account number and a routing number that I would use to pay down my personal credit cards so I would have their money to make the required purchases. The account was with SunTrust bank and upon calling them to use these funds to pay down my credit cards I was asked my name and if I was authorized. I told them that this was a corporate account put in my name to use to pay down my cards. At this point they made these payments toward my cards whenever I requested. After withdrawing over {$20000.00} the payments started to be reversed. I called SunTrust to ask them what happened and they told me that this was not my account and that I was not authorized. This now leaves me deeply in debt with the banks that have issued the credit cards to me. My concern and question is don't the banks have a responsibility to the consumers to verify the account information and its authorized users? In todays world with identity theft being a major concern and problem I feel that the banks are being negligent and should be held accountable. I have attached many documents and there are many more emails should you need copies. I apologize that the emails are a bit unorganized, that happened while copying.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: IL

Complaint narrative:
Good morning, My name is XXXX XXXX and I am XXXX XXXX 's fiance. We're filing this complaint, today, because there are a number of very serious issues with the loan modification that was done for us by Nationstar Mortgage - now Mr. Cooper. 



We purchased our home in XX/XX/XXXX and refinanced in XX/XX/XXXX. At the time when we refinanced, we paid {$150000.00}. We were doing fine, until XX/XX/XXXX when a series of unfortunate happenings occurred. Nationstar was happy to assist us and the attached paperwork is the result of their work. 



As you can see, in the modification documents, the POST modification Principal Balance amount is {$190000.00}. they took all of our past due payments, the interest, late fees and legal fees and simply added them to the principal balance. This put us at roughly 150 % loan to value. Which, is against Federal and HAMP guidelines. 



I'd like to ask you to look further at the documents and you'll see that this is 'titled ' as a HAMP Modification. However, when I spoke with a representative at Mr. Cooper, on the XXXX, we were informed that our modification was, indeed an in-house Tier 2 modification. These are some very alarming and disturbing issues. 



The current value of our home is roughly {$120000.00} and Mr. Cooper is refusing to assist us, as my fiance has been on standby from his construction work since last XX/XX/XXXX. He's about to go back to work next week and we have more than enough disposable income to resolve this issue and get back to the good faith payments. 



We're asking that you assist us with resolving this matter amicably and to the best of our interest. What we're looking for is a proper loan modification - with the past due payments recapitalized into the remaining 37 years of the note, as well as, a Current Market Value appraisal of our home, so we will be paying a fair market value. 



You can reach out to me at XXXX or my fianc at XXXX who is on the note I'm on title, any time. Thank you and we appreciate your assistance with this matter!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-07 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Bursey & Associates, P.C.
State: AZ

Complaint narrative:
On XX/XX/XXXX my employer called me into the office. He wanted to know if I was having some financial troubles. I just bought a house and a car so I could see where he would be concerned. I was confused because I wouldn't have been able to do those things if I had been having financial trouble. He continued on to inform me that they received a garnishment of wages and we could look into it further but they are required to begin withdrawing the money from my next paycheck. 

I had absolutely no idea where this has come from. My credit report is spotless. I monitor my credit score weekly with instant alerts if anything changes. This garnishment is from a 12-year-old debt but has never once appeared for collections, I was never served court papers or notified by any means of a balance is due, that a judgment was granted or that garnishment would occur until it was too late. 

I've never heard of or from XXXX XXXX XXXX or Bursey & Associates. The name on the judgment is my maiden name from 11 years ago and the addresses listed were always outdated by many years. 

I was able to contact Bursey & Associates for proof of debt but I was mailed proof of purchase of the debt from XX/XX/XXXX. It was sold by XXXX XXXX XXXX to XXXX XXXX XXXX on XX/XX/XXXX. Then from XXXX XXXX to XXXX XXXX XXXX and then to Bursey & Associates. I am still unaware of the origination of the {$1700.00} which had then grown to {$4900.00} as of XX/XX/XXXX. 

The scariest part is that after my first garnishment, the balance due jumped up to {$5100.00} on XX/XX/XXXX. I may never get out of this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-07 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NRA Group, LLC
State: CA

Complaint narrative:
( 1 ) I contacted National Recovery Agency ( NRA ) to verify the bill and they failed to respond within 30 days.

( 2 ) NRA reported an aged bill ( that I have paid it ) to my history without any notice before its 180-days period. 

In fact, the information in a collection account on my credit history is not mine. I had a bill on XX/XX/2018 from a medical centre inside another medical center that I have paid both bills within 180 days for medical bill. 

Please see the attached proofs.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-07 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Experian refuses to follow my state state purge law which states collections or charge off accounts should be removed 5 years from first date of Delinquency instead of 7 if the account has been fully satisfied or paid off. XXXX and XXXX  automatically updates their system to purge paid accounys which two of my accounts from XXXX XXXX and XXXX XXXX   have been removed these accounts are supposed to be removed Experian declines to help or transfer me to a supervisor to seek a remedy Details about the state 5 year purge law New York State General Business Law Section 380-j ( f ) ( 1 ) Except as authorized under paragraph two of this subdivision, no consumer reporting agency may make any consumer report containing any of the following items of information.

( i ) bankruptcies which, from date of adjudication of the most recent bankruptcy, antedate the report by more than fourteen years ; ( ii ) judgements which, from date of entry, antedate the report by more than seven years or until the governing statute of limitations has expired, whichever is the longer period ; or judgments which, from date of entry, having been satisfied within a five year period from such entry date, shall be removed from the report five years after such entry date ; ( iii ) paid tax liens which, from date of payment, antedate the report by more than seven years or, a paid, satisfied or vacated tax lien involving a purchaser, transferee or assignee in a bulk sale transaction who has been deemed liable by the state tax commission for sales taxes due from a seller, transferrer or assignor under subdivision ( c ) of section eleven hundred forty-one of the tax law, where the receipt by a credit reporting agency from such purchaser, transferee or assignee of a notice, or true copy thereof, from the state tax commission to such purchaser, transferee or assignee that his liability has been wholly paid or satisfied or no longer exists, antedates the report by more than thirty days ; ( iv ) accounts placed for collection or charged to profit and loss which antedate the report by more than seven years ; or accounts placed for collection or charged to profit and loss, which have been paid and which antedate the report by more than five years ;

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-07 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with overdraft — Overdraft charges
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On XX/XX/XXXX, I attempted to make a payment to my Citibank credit card company for {$500.00} dollars. I accidentally selected an account from XXXX XXXX XXXX that I had to close for fraudulent activity on XXXX 's part. 

That was my mistake. I updated the banking information and processed another payment, and requested that the closed account be removed. The customer service person told me that they would remove the closed account. 

I logged in XX/XX/2019 to make an additional payment. I attempted to make a payment for {$900.00}. I specifically selected the correct account, since the wrong account had not been removed from my portal. Citi 's website re-selected the correct account, and when I noticed the next day, I called them to fix the issue. 

They told me I could go on line to make another payment, and that they would not be able to stop or correct the payment that was made. I again logged in to their website, and made 100 % sure the correct bank account information was selected. This was on XX/XX/XXXX. 

Again, Citi drafted payment from the incorrect account. 

Today, XX/XX/XXXX, I got a notice that my account was suspended for returned payments. I reminded them that I had called on several occasion regarding this same issue, but that their agents refused to help with the situation. 


Interestingly, I am still barred by Citi from removing the offending bank account. They continue to add more fees and more charges, and refuse to allow me to use the card.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I called XXXX XXXX XXXX on XX/XX/XXXX to pay off my credit card debt. Late fees had previously been accrued. I spoke to XXXX and reached a settlement payment of {$210.00}, which was my grand total to pay off the debt after late fees has been removed. I paid the {$210.00} with XXXX over the phone with my debit card. Months later, I started receiving calls, texts, and voicemails on a daily basis requesting that I pay my debt. My credit card was closed, so there was no possible way that I could accumulate any more debt. I answered a call from XXXX late XX/XX/XXXX to give them a friend reminder that the debt had been paid off in full last year, to which the representative acknowledged my payment of {$210.00}, said that I had a balance of around {$70.00} which had now reached $ XXXX due to late fees. Again, I said that XXXX and I reached a settlement payment of {$210.00} after late fees being removed. The representative requested that I be put on hold so that she can speak to a supervisor. 10-15 seconds later, she hung up on me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-02-07 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: HUNTINGTON NATIONAL BANK, THE
State: IN

Complaint narrative:
Opened a HELOC in XX/XX/XXXX with an initial draw with a fixed rate of 5.49 % over 5 years for {$40000.00}. A month later i took an additional {$20000.00} ( non-amortizing ) under a 6-month promo rate of 4.49 % that reverted to 7.25 % on XX/XX/XXXX. On XX/XX/XXXX I attempted to make a payment of {$20000.00} to pay down the {$20000.00} draw that had a higher rate, however by default the payment is applied to the oldest draw, not the draw with the highest interest rate. I believe this would fall under the Card Act ( pursuant to Reg Z ) which requires institutions to apply payments to the highest interest rate segment of a credit extension. 

I spoke with the bank and customer service said they were unable to apply the payment in this manner. My personal banker spoke with a rep from XXXX XXXX who can apply it manually however I fear this is a systemic issue that is leading to undue interest income for the institution at the expense of less-informed borrowers. Standard practice should be to apply payments to the draw with the highest interest rate first ( one monthly P & I has been satisfied ). I also wonder if this would additionally fall under UDAAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-07 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC
State: DE

Complaint narrative:
The company, Transworld Systems. Also known as TSI continuously fail to properly validate a medical debt they say I owe. On XX/XX/2108, I requested a debt validation. They only sent me a print out of a bill, which included private medical information. They failed to send me a requested HIPPA release form with my signature on it authorizing XXXX XXXX to share my private medical information with them. 

Yet, they continue to report negative information to the credit bureaus making it hard for me to maintain good credit. They claim that the situation was resolved, but it wasn't. 

The debts are in the amount of {$1000.00}, {$500.00} and {$250.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CU MORTGAGE SERVICES INC.
State: MN

Complaint narrative:
CHANGING MONTHLY MORTGAGE PAYMENT AMOUNTS?. WHY ESCROW ACCOUNT MONTHLY AMOUNT CHANGED AND OR WENT UP IN MONTHLY AMOUNT DUE?. WHY MONTHLY MORTGAGE PAYMENT " DID-NOT '' GO DOWN, BECAUSE : HOME-OWNERS-INSURANCE COSTS / MONTHLY WERE REDUCED BY AT LEAST 50 %?. UNABLE TO REFINANCE HOME BECAUSE OF " XXXX '' REPORTING AND OR NOT REPORTING CORRECT PAYMENT HISTORY?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-07 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount — 
Company: Harpeth Financial Services, LLC
State: TN

Complaint narrative:
Loan was going fine until i changed jobs, which changed my payday. And bounced right after that, contacted and gave them the new info, date was never changed, cost me more in overdraft fees. Contacted many times never changed it, then because i was behind they just started debit my account with out my permission and not on any agreed day, this hurt, more overdraft charges, i aked them to remove me from the auto pay on XX/XX/XXXX, they did not, more overdraft charges, then they hit my account on their own for XXXX bucks 2 days in a row. nearly lost my apartment and car due to that little mess. eventually they did remove me from the ach pay and stopped debiting my card, saddly the damage was done. now they are taking me to court. Also i had tried to reproduce their billing, and never could get there numbers to add up, so i had a few others much smarter than i check it, and they stated that the numbers didnt add up and something was very fishy about the interest i was paying ... i believe this is true

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
So as I looked over my CF dated XX/XX/XXXX I saw an account XXXX XXXX  that reported a delinquency date of XX/XX/XXXX I called Transunion pointing this decrepency out and they continue to tell me that this is not correct but it clearly came from them. File number XXXX and by law this account has exceed the 7 year mark and should be deleted

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
This information is incorrect i have never been late. 
30 DAYS LATE XX/XX/XXXX XXXX XXXX/XXXX XXXX ACCOUNT # XXXX. 
30 DAYS LATE XX/XX/XXXX XXXX XXXX XXXX XXXX  ACCOUNT # 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 non-monetary relief
Consumer complaint received 2019-02-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUHOME SOLUTIONS, LLC
State: MO

Complaint narrative:
TruHome Solution LLC I purchased my home in in XXXX through XXXX XXXX XXXX XXXX XXXX. XXXX XXXX, Mo.XXXX ( XXXX ) XXXX and over the years it has grown and owns a company to service their mortgages. My home owners contract clearly states that the company would pay my insurances and taxes out of an escrow account. For 12 years this went fine. In XXXX of XXXX I got calls and letters from my home owners insurance company and the XXXX ( XXXX XXXX XXXX XXXX ) that is ran by FEMA about my no payment of my policies. I was confused. I have never dealt with these matters. I called XXXX XXXX XXXX at XXXX XXXX. XXXX in XXXX XXXX to investigate the matter to see what the problem was. They called their mortgage servicing company TruHome Solutions LLC XXXX. XXXX XXXX XXXX, Ks. XXXX ( XXXX ) XXXX and for 6 weeks, I called and called and no one could find an answer to why my premiums were not paid like the many years before. I got one person after another giving me all different answers. By this time I had been cancelled by the home owners insurance and FEMA for my flood policy. After almost months of lying TruHome Solutions admitted that it was a human error that caused the premium not to be paid. This error by TruHome Solutions has all but ruined my life. My home owners policy went up and my FEMA policy is now {$1300.00} more per year I received a notice on XX/XX/XXXX from TruHome Solutions that my mortgage payment would increase in XX/XX/XXXX by {$170.00} dollars. This is ridiculous. I personally talked to FEMA and was informed that I had been under the original policy for so long that it was fixed until I move or the loan was paid off. This {$1300.00} is until the loan is paid resulting in me paying an extra {$26000.00}. This type of gross negligence is unacceptable and I don't have {$26000.00} because of a mistake that was made by someone at the mortgage servicing company. To think that a company would even consider this is totally unacceptable in the eyes of fair business. Since it was the company that caused the problem, it should be the responsibility of the company to make it right. Not with just me but with every customer who ever conduct business with them. I have went through months of calls, letters, and not to mention hundreds and hundreds of dollars to try and make this right. I have gotten new elevation certificates, hired surveyors, called The Corps of Engineers, FEMA, the mapping agencies and the XXXX  .Nothing was to any avail. XXXX XXXX XXXX and TruHome Solutions should be reprimanded but the Federal Government for unfair practices and violating a contractual issue. The contract is a law abiding document and to upheld to the fullest extent of the law.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation