vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-12-14 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: SUNTRUST BANKS, INC.
State: MD

Complaint narrative:
On XX/XX/2018, XXXX at SunTrust Mortgage Servicing advised me how to mail a check of {$5400.00} from XXXX XXXX XXXX for fixing my roof. A XX/XX/XXXX cover letter to SunTrust 's Insurance Claims / Property Damage Department explained what I wanted done. XXXX 's check was made out to my wife and me as well as the mortgage companies. The first mortgage company, XXXX alone already endorsed it. XXXX said it would take 10-14 days to get SunTrust 's endorsed check back to us. 
On XX/XX/XXXX, SunTrust manager, Ms XXXX XXXX admitted over the telephone that SunTrust had illegally deposited the check and applied it toward the principal of its home equity line, rather than return the endorsed check to me. Note : neither my wife nor I had signed the check. 
The roofer was scheduled to start work on XX/XX/XXXX and I could not make the initial payment because SunTrust stole my money. Ms. XXXX assured me that this issue would be on an accelerated ladder, but she is still obligated to tell me that it will take 3 to 5 business days for the Research Department to look into this matter. 
On XX/XX/XXXX, I received a message from XXXX??? with SunTrust Bank, asking me to return her call. I have returned her call every day since then and left a message on her voicemail. No call from SunTrust has been forthcoming. No check from SunTrust has been received either. 

Luckily, the roofer replaced the roof on XX/XX/XXXX. But I haven't been able to pay them. And another check from the insurance company will be issued soon requiring SunTrust, XXXX, as well as my wife and I to endorse it before I can give it to the roofer for doing such a good and timely job. What am I to do?

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 2018-12-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I open 3 accounts 5 years ago within Bank of America in XXXX. All three are under my business name : XXXX XXXX XXXX XXXX, XXXX. One of the account is being used for ACH. I explained to the officer when I was opening the account that it is because part of my business involved wire transfer. Each year, they made me file out the forms related to XXXX and I always provided the documentations required on time. If something is wrong, I called to inquire info and fixed the problem. In XX/XX/2018, I submitted all the document, and last month, on XX/XX/XXXX, they sent me a letter telling, that all my accounts will be closed in 80 days. This is a business decision. 
For the last 5 years, I have been a loyal customer, never have a NSF or a check return. I would like to know why Bank of America decided to take that business decision which is jeopardizing my business. Tax season is coming, I already provided all my bank information to the Clearing House. I would like someone to intervene and reverse this decision. 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 2018-12-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
When I initially started paying these loans they were around XXXX dollars for 1semester of university which. Over the years they have ballooned to XXXX dollars due to interest. Due to XXXX XXXX   and other issues i have always struggled financially and have never been able to pay anything consistently. 

The majority of the time my loans have been in default, forbearance, or deferment. I never really understood how this worked other than my payments would be put on hold. I never really understood how the interest accrued and could balloon. 

It wasnt until maybe the last 5 or 6 years i learned about income contingent payment plans as it was never presented to me when I called in for forbearance or deferment. 

Just in the past couple months i was told there are plans where the government covers the interest on some payment plans. 

This is something that has been a dark cloud over my life and has contributed to my XXXX as i feel i was taken advantage of or scammed because i am an easy target. The payment i owe is literally for nothing. I have no valid credits from my 1 semester of University. 

The interest on my loan begin removed would be ideal outcome. I'm not saying i shouldn't pay anything but i was never educated on the interest accrual. They just always said it will still accrue. 

Also i should never been allowed to put my loans in forbearance or deferment for this long. Income contingent plans should have always been the first option suggested to me. I didn't even know they existed for a long time. 

I'm sending this because i just saw a article navient is being audited for similar complaints and this is something i have stressed about for years

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-14 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: ENCORE CAPITAL GROUP INC.
State: NJ

Complaint narrative:
All 3 credit bureaus are reporting that i have a account with XXXX and i do not currently the have not verified that the account is mine and i have sent 3 letters and XXXX to them and sent a letter to XXXX XXXX but i have not received a sign document from them that i do owe them and the 3 bureaus and XXXX say that it is verified but have not provided me how they verified it or provided me with any documents

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-14 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
hi, I have been trying get straight answers from portfolio recovery associates llc from in the 2nd week of XXXX until now and they keep going around in circle sending me irrelevant papers and completely ignoring my letters regarding the debts they claim I owe them. it is very frustrating and time wasting going back and forth about validations of the debts they claim I owe, this been hurting credit file and been a big negative impact on my life I can't get any kind of assistance due to fact of these nasty negative items they put on my credit file without the proper method of validating and follow the fair debt collection practices act laws they act as if these laws don't apply to them and take advantage of consumers ( me ) I need my letters request to be answered properly and not something they throw on a piece of paper and don't care. if they can't validate these nasty negative items that keep reporting on my credit file they should be remove it is the law ( FCRA ), I also put the reference numbers for those account they claim I owe them, copies of the letter template I send. 
XXXX XXXX thanks in advance

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-14 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: Lincoln Educational Services Corporation
State: NJ

Complaint narrative:
All 3 credit bureaus are reporting that i have a account with XXXX  and i do not currently the have not verified that the account is mine and i have sent 3 letters and XXXX to them and sent a letter to XXXX XXXX but i have not received a sign document from them that i do owe them and the 3 bureaus and XXXX say that it is verified but have not provided me how they verified it or provided me with any documents

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
This complaint is submitted on behalf of the borrower by his advocate. 

The borrower applied for foreclosure alternatives on XX/XX/2018. He was denied a standard modification on XX/XX/2018. The denial letter failed to give a clear reason for the denial stating, The investor ( owner of your loan ) has declined to this workout. The denial letter offered a Short Sale or Deed-In-Lieu. The denial letter did not advise the borrower of his right to appeal the decision, if merited. On XX/XX/2018 the borrowers advocate requested in writing clarification of the denial, to help the borrower evaluate his entire situation ( i.e. appeal the decision or seek other alternatives ). The request was submitted to the Single Point of Contact and the Escalations and Loss Mitigation departments. Shellpoint acknowledged the correspondence was received on XX/XX/2018. They confirmed a written response would be provided within 15 days ( aka XX/XX/2018 ). A Notice of Trustee Sale was recorded on XX/XX/2018. 

The borrower and his advocate contacted Shellpoint via telephone communication on XX/XX/2018 ( when the borrower received multiple copies of the Notice of Trustee Sale via U.S. Mail ).  Representative XXXX XXXX confirmed there was no response to our request, nor was there a Single Point of Contact assigned to the loan. He explained that the borrower could enter a Repayment Plan, by making a lump sum payment and pay the remaining balance in a 12-month period, but that would not stop the foreclosure sale scheduled for XX/XX/2018. Please note this is the first time the borrower was advised by Shellpoint of his option to enter a Repayment Plan. XXXX then requested to follow up with us regarding the total amount due to bring the loan current, or lump sum amount due to enter a Repayment Plan, since he did not have access to that information. 

It appears that Shellpoint is in violation of the California Homeowner Bill of Rights and the Mortgage Servicing Rules Under the Real Estate Settlement Procedures Act. The Notice of Trustee Sale may have been recorded prematurely, since no response to the correspondence has been made, thus giving the impression that Shellpoint is dual tracking. The Repayment Plan option appears to be unethical, since Shellpoint is  insinuating to accept partial payments of amount due but still proceed with foreclosure. It is also alarming that Shellpoint removed the Single Point of Contact prior to ensuring all loss mitigation efforts were explored with the borrower. All these actions have put the borrower in an unnecessary predicament to limit his options. Attached hereto please find supporting documents.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.Q. DATA INTERNATIONAL, INC.
State: CA

Complaint narrative:
XXXX XXXX or IQ Data has purchased a debt from XXXX at XXXX XXXX XXXX that does not exist. XXXX at XXXX XXXX XXXX is currently under suit by me. 

The attempted an Unlawful Detainer that they could not substantiate. I have a subsequent hearing in Small Claims court in my suit against this property. No stipulations exist within the court system and XXXX at XXXX XXXX XXXX ( XXXX ) communications contradict any and all statements with regard to an alleged " debt ''. 

The amount they claim owed can not be verified by XXXX who own and run the property. I have all the ledgers from my past year at this property. 

They are still libel for damages to my property and code violations. 

The debt as previously stated can not be verified. 

IQ Data contacted me and refused to name the party they obtained the debt from and harassed me for a day until I was forced to block the number.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: VA

Complaint narrative:
I received a letter from Mr. Cooper on XX/XX/XXXX in which I was given five options to choose from. The five options are and I quote : 1. Refinance the loan with us or another lender ; 2. Modify the loan with us ; 3. A voluntary payment forbearance temporally gives you more time to pay your voluntary monthly payment ; 4. A voluntary repayment plan that allows missed voluntary payments to be made up over time ; 5. or If you are not able to continue voluntarily paying the mortgage, your best option may be to find more affordable housing. You may be able to either surrender your home through a Deed in lieu or sell your home and use the proceeds to pay off the loan, even if the proceeds are not enough to pay the loan in full ( short sale ). These are the options given and I chose the Short Sale. I hired a Real Estate Agent Who called Mr. Cooper to seek approval for the short sale. Mr. Cooper responded that my Real Estate Agent should enroll in Mr Cooper 's Short Sale Validation Program which she did. Mr. Cooper asked for documents to be submitted also which she did. Mr Cooper asked my  Agent to List my house with XXXX XXXX, also which she did. Now to my greatest surprise I received a foreclosure sale notice from The XXXX XXXX, XXXX. on XX/XX/XXXX that my house is scheduled for foreclosure sale on XX/XX/XXXX. First of, Mr. Cooper is violating the Virginia Dual Tracking Law. Second of all, Mr. Cooper is violating Virginia Foreclosure law by not advertising the foreclosure sale on the local news paper. Then The XXXX XXXX, XXXX lied AGAIN as usual that I should find enclosed the advertisement of the foreclosure sale in XXXX XXXX   XXXX. I couldn't find any attached advertisement as claimed by The Trustees.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Mr. Cooper Group Inc.
State: NV

Complaint narrative:
While I was on XXXX XXXX I was medically retired and during my last two months of service I had to sell my house and move and I listed the property and we got into contract in XXXX of XXXX. I had never missed a payment or been late at this time. The title company requested a payoff from Nationstar now renamed Mr. Cooper in XXXX and it was delivered and our closing date was set for the last business day in XXXX the XXXX. The escrow had to be extended because of delays by the borrowers lender and we weren't able to close until the XXXX of XXXX. I called Nationstar the first week of XXXX and they said the payoff demand had been updated to include XXXX payment and that I could either make the payment or it could be added to the pay off demand, we went the payoff demand way because title recommended we do that to not have to request another. 


We closed and they received their full pay off. Then I retired from the XXXX in XXXX and moved. In XXXX of XXXX I had my credit run and my lender told me I had TWO 30 day late payments for my mortgage from Mr. Cooper one for XX/XX/XXXX and the other for XX/XX/XXXX. We closed XX/XX/XXXX and the closing statement reflects that's, how was I late in XXXX by 30 days and I followed what they had told me to do and now they were punishing me. 


I called Mr. Cooper and went through their 30 day review process it took over 75 days and they only sent me a letter saying they were right. I called and asked how that was possible when I had followed their guidance and I didn't even own the house for 30 days in XXXX and they told me that they were right and there was nothing I could do about it. I explained that as a XXXX Veteran their actions were causing hardships on my family, I had NEVER missed a payment or even been late for over two years with them and they said it wasn't their problem and hung up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Capital One fraudulently initiated ACH debits from my checking account 7 times. Capital One admitted its fault and refunding me for four ( 4/7 ) of those fraudulently debited ACH transactions on XX/XX/2017. 
Even though Capital One has admitted XXXX fault and refunded me partially, they refuse to refund me for the rest of those fraudulently debited ACH transactions in the amount of {$2600.00} ( 3 transactions out of 7 ). 
In addition, Capital One closed my account and stated that the account was closed per my request, which is completely wrong! I have not made such request to Capital One.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-14 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: TX

Complaint narrative:
I don't understand why I can not decided how my money is disbursed among my loans I pay XXXX a month and the loan provider won't let me split it in a manner that is beneficial to me. The loan provider is splitting my money in a way that creates the highest interest for them instead of actually paying off my loan. I don't understand why they wont let me pay the loans off the way it would help me by paying off the interests that collects each month. I have to make additional payments to cover the interests because my loan provider refused to distribute my payments in way to cover the interests that collects each month and the principle. The loan provider is making it harder to pay off the original principle, when asked why I could not say XXXX goes to this loan and the other XXXX for the other loan the customer service representative told me I could not do it because I would pay off the loan faster!!!!! This makes no sense to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ORG GC GP BUYER, LLC
State: NJ

Complaint narrative:
DEBT COLLECTION GC SERVICES CALLS MY FATHER ALMOST ON DAILY BASIS ASKING AND LEAVING MESSAGE FOR A TENANT THAT DOESN'T LIVE IN THE BUILDING ANYMORE. THE REPRESENTATIVE XXXX XXXX HARRASSMENT MY ELDER FATHER ASKING FOR SOMEONE WHO IS NOT RELATED WITH US. NEVER LIVE WITH US. I SPOKE WITH A SUPERVISOR BUT PHONE CALLS CONTINUES.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: FL

Complaint narrative:
I submitted a request to Penny mac in XXXX for a loan modification. This was my first attempt at loss mit and I had a period of unemployment before I started a new job. They immediately denied me for not being eligible until the I had the loan at least 12 months. I called them and they told me to reapply after XX/XX/18. I submitted a request towards the end of last month and they sent me a letter stating they were reviewing it and would reach out for any additional items needed. This is my first home, my first eligible attempt at a loan mod, and my loan was not yet in FCL. XX/XX/18 they sent me a letter with the same denial reason but I have had my loan more than a year and I was following their guidance they gave me in XXXX. I also just received a FCL notice from an attorney dated XX/XX/18 stating my home is now in FCL. It seems like they gave me wrong information in order to put me in a position where they can FCL on my home. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Synovus Bank
State: MI

Complaint narrative:
Ive been dealing with an ongoing issue involving discrepancies on my credit reports. I have a closed out account due to a unauthorized credit card. I have never applied for an account with this company nor have I given anyone consent on my behalf.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
Chase bank is trying to increase my credit card account apr, that has stood for more than a decade at a fixed rate 9.99 % apr, to more than 15 % as a variable rate. 
I recieved a mail notification XX/XX/2018, and called in the same night. I went through 2 reps, the 2nd being XXXX, who maintained that even though the first rep said that I would be charged the new interest rate on existing balances, he was wrong and I would not be charged the new interest rate on existing balances. They also had no specific reason available in regards to my accout to justify the rate increase, merely profiteering.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: NJ

Complaint narrative:
Hello, My Mortgage company Ditech did an escrow analysis on my account in XXXX and raised my mortgage by {$47.00} per month without notifying me. I called and was told that they did the analysis in XXXX and sent out a letter. However I did not receive any letter from them. Escrow analysis normally done in the beginning of the year. Can you help me. If I had gotten the letter then I would have paid the increase as I am living ona budget. 



My name is XXXX XXXX XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
debt is not mine.. collection from XXXX XXXX XXXX of XXXX dollars

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Advance Bureau of Collections
State: GA

Complaint narrative:
Creditor is reporting accounts that are invalid and unverified. XXXX  have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again.

Company response to consumer: Closed with explanation