vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-04-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: IN

Complaint narrative:
My name is XXXX XXXX. I am a customer of Freedom Mortgage. My loan number is XXXX. After reviewing my recent mortgage statement I saw that the price had increased. I called Freedom Mortgage to ask why and they stated that it was due to an escrow shortage. The shortage is due to Freedom Mortgage paying XXXX money from my escrow account to another XXXX Policy Holder. 

This shortage is a result of discrepancy between Freedom Mortgage and my home owners insurance policy holder XXXX. XXXX XXXX is the Senior Premiums Receivable Specialist at XXXX. She reported to me that Freedom Mortgage sent a check to XXXX for {$1000.00} on XX/XX/XXXX. The check number was XXXX, attached t that account number was a policy number of XXXX and a loan number of XXXX belonging to someone named XXXX XXXX. 

Freedom Mortgage then sent another check ( XXXX ) for the same amount on XX/XX/XXXXwith the XXXX Policy number belonging to XXXX XXXX but with my name and my Freedom mortgage loan number. My only policy number XXXX was not on the check or payment stub. A review of the account for XXXX XXXX shows that on XX/XX/XXXX a refund of {$1000.00} was issued and cashed. 

I have attempted to contact both parties to remedy this. Freedom Mortgage has made the mistake of paying XXXX to cover another account out of my escrow account. However it is my belief that insurance companies need to make requests for these payments from mortgage lenders so I am not sure which one of these companies are at fault. What is clear is that my wife and I are a victim of this mistake and I would like for the consumer protection bureau to investigate this for me as I have been asked to continue to pay the increased mortgage amount and no one has guaranteed that this money will be returned to my account. Another concern is the ease as to which the name and policy number of the person who received the over payment was given to me.

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 2018-04-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Creditors Specialty Service Inc
State: CA

Complaint narrative:
years ago they took all the money out of our account they after us with very harsh phone calls and we paired {$200.00} a month we agreed on an amount, after a few payments and I ask for their information proof of payments on their part they stop charging us. trough a judge order they took all the money we had in our account. We believed this problem was fixed. We bought a house and ask my lender to find this in my credit report and we did not find nothing. 
now after a few years ( 5 ) they are coming after us with a bill bigger than before. 
this bring a lot of stress into my family we need help. 
name of company .-Creditor specialty service inc XXXX XXXX XXXX XXXX XXXX ca . XXXX

Company response to consumer: Untimely response
Consumer complaint received 2018-04-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Action Revenue Recovery, LLC
State: TX

Complaint narrative:
On XX/XX/XXXX I received a notification from XXXX XXXX that a collection had been placed on my credit report by XXXX XXXX, XXXX XXXX. XXXX XXXX, XXXX, LA. This amount was paid by XXXX  XXXX XXXX. I spoke to XXXX from XXXX on XX/XX/XXXX. He asked that I email him proof that the bill had been paid by XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, Tx. I emailed it to XXXX on XX/XX/XXXX. On XX/XX/XXXX, I also spoke to XXXX from XXXX XXXX about the bill. She said she would notify XXXX that this amount should be removed from my credit report. Today, XX/XX/XXXX, I find out that the notification has not been removed from my credit report. I spoke to XXXX from XXXX and XXXX from XXXX XXXX XXXX about this matter. XXXX stated he had not received thee email XXXX from XXXX said it would take 4-6 weeks to notify XXXX XXXX. XXXX from XXXX said he could not do anything because XXXX XXXX has not notified them. I have already waited 4 weeks to get this matter resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC
State: NJ

Complaint narrative:
This company is a nightmare to deal with. I made my XX/XX/2018 mortgage payment on XX/XX/2018. Quicken/Rocket mortgage did not apply the payment properly. The credited it to Principal and escrow. They charged me a late fee even thought the payment was early. 

I made the XX/XX/2018 mortgage payment on XX/XX/2018. They credited the payment to XXXX and charged me a late fee even thought the payment was early. They are now claiming I am in default. 

I emailed them and called them. They refuse to correct the error. It is a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Dear Equifax, Please be advised that you are reporting the wrong address information on my credit report. I am in the process of a new loan transaction and the error is causing a problem with my credit scores reporting properly, so any help you can give me with updating this information as soon as possible would be greatly appreciated. 

My current address is XXXX XXXX XXXX XXXX, XXXX XXXX Previous address XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX  XXXX XXXX XXXX XXXX, XXXXXXXX XXXX, XXXX  XXXX XXXX XXXX XXXX, XXXX, XXXX   XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX Please remove the following addresses from my report as I have not lived there for the past year and dont collect mail there anymore. 

I will await an updated copy of my credit report to reflect these changes. 
Thanking you in advance. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX SS # XXXX DOB XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
On XX/XX/XXXX, at around XXXX, I made four deposits using the ATM machine located at XXXX XXXX XXXX XXXX, XXXX , WA XXXX. My husband and my mother-in-law were with me. I deposited a total of {$11000.00} in cash ( in XXXX bills ). The money was brought by my mother-in-law from XXXX to pay for her expenses during her visits in the US. 

The four deposits were split into four transactions due to the cash deposit amount limit. The first deposit was {$3000.00}, the second {$3000.00}, the third {$2700.00}. However, for the fourth deposit of {$2300.00}, the ATM machine got stuck and swallowed my money without showing the amount I deposited. The ATM print out a receipt with a customer number ( XXXX ) for me to contact. I called that number immediately, and they say they will look into this situation. After 3 days, I saw my checking account was credited {$2300.00}, so I thought the issue was resolved, and I threw away the receipt. 

However, on XX/XX/XXXX, I got a mail from Chase saying they did not find the {$1700.00} and thus they reversed {$1700.00} credit that was placed on my account. I called Chase to re-investigate the issue, but after another week 's investigation, they said they still did not find the {$1700.00}.

This is shocking to me. I told Chase all the money I deposited were XXXX bills, the {$1700.00} seems very absurd. Could it be possible that the ATM machine spit out the money after we left and someone took it? I don't know how the ATM did the balancing of the ledger, but there is definitely something wrong. I don't know what's Chase 's investigation process. I requested to see the video footage of that night when I made the deposit, but Chase declined it. The video might prove that we did deposit a big stack of cash, or show somebody else took the money. I don't know what to do. Please help. 

I attached the bank withdrawal transactions from my mother-in-law 's XXXX 's account. She made a total withdrawl of {$14000.00}, but she just brought to the U.S. {$11000.00}. 

Thank you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-05-01 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Synerprise Consulting Services, Inc.
State: TX

Complaint narrative:
This company is trying to collect {$170.00} and {$170.00} ( listed twice on my credit reports ) from me for a medical bill they claim I owe. I have written them letters demanding that they comply with the Fair Dept Collection Practices Act and the Fair Credit Reporting Act by ( 1 ) providing me a contract or bill with my signature on it as follows : " I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. '' They sent me a computer printout of a bill, but nothing with my signature on it. They are in violation of the Fair Debt Collection Practices Act and the Fair Credit Reporting Act by claiming I owe money and they have no document bearing my signature wherein I allegedly authorized these charges. They are reporting this fraudulent claim to the credit bureaus as a valid debt, yet they are unable to validate the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
OnXX/XX/2018, Chase Bank send me letters informing that Chase decide to close my checking and saving accounts, and the process is not reversible. Chase didn't provide any more information and reasons for that.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: SUNTRUST BANKS, INC.
State: DC

Complaint narrative:
There was a promotion where clients opening a signature advantage checking account before XX/XX/XXXX ( today ) would get a {$500.00} bonus using the promotion code XXXX. However, once trying it, the site said the promotion had expired, even though it was still running through the end of 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 explanation
Consumer complaint received 2018-05-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
I have contacted and spoken to, " XXXX '', and have been denied a refund from citizensbank. This matter is in regards to fees obtained in an illegal manner on my citizens account. I have taken screen shots of my account frequently, and have documented account minipulation by citizensbank. The bank has applied double fees, held deposites and withdrawls for days even weeks, random surcharges, aswell as random fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-01 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I understand that per Equifax response on XX/XX/2018 that they have 60 days to investigate an issue that is on a credit report. My items that do not belong to me, which are XXXX XXXX  account number XXXX and XXXX XXXX   XXXX account number XXXX and XXXX XXXX account XXXX were all under investigation and for OVER 60 days! I have attached documentation from my credit files with the dates and under investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
There is a Credit inquiry reflected on my TransUnion credit report that is fraudulent. The inquiry is from XXXX XXXX dated XX/XX/2017. I am attaching a letter from XXXX XXXX that confirms this fact. I have trying to get this fixed for months but the bureaucracy seems to get in the way.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC
State: CA

Complaint narrative:
Mr. Cooper is rejecting my money. Mr. Cooper is trying to purposely put me in foreclosure and take away my home by purposely rejecting my payments. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-01 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
On the back of my XXXX $ prepaid XXXX card it says that after a 12 month period of inactivity there will be a XXXX $ deduction fee from the account but the only purchase on this account is XX/XX/2017 less then 12 months ago for XXXX $ but my account balance is XXXX cents so when i called the number on the card to find the problem the woman who answered said that a fee of XXXX $ has been taken out of my card monthly since it seems like well before my first purchase

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 2018-05-01 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Professional Placement Services, LLC
State: WI

Complaint narrative:
I have been experiencing billing issues with XXXX XXXX XXXX in XXXX, WI since XXXX which resulted in many of my claims being sent to multiple collection agencies. I was on a negotiated payment plan with XXXX XXXX and making monthly payments. In XX/XX/XXXX they sent over {$3000.00} in medical claims off to multiple collection agencies without a phone call or letter. We are working with the XXXX and XXXX XXXX XXXX to get to the bottom of that problem. What I didn't realize before the claims were sent off to collections was there are several that were paid in full many months ago. To make matters worse, the alleged amounts due have been reported as negative on all three credit reporting agencies. Two claims were given to Professional Placement Services. They were advised by telephone back in XXXX that I am disputing the debt. One claim was paid in full ( XXXX ) on XX/XX/XXXX but it still went to collections. The other claim ( XXXX ) was paid in full on XX/XX/XXXX. After reviewing my credit report I noticed a few issues that are very concerning to me. Professional Placement Services has not reported that this debt is being disputed. They also changed the open date from when it was previously reported by XXXX XXXX & XXXX. If I am not mistaken I believe that they are re-aging my medical claims. Claim XXXX was originally reported as opened XX/XX/XXXX by XXXX XXXX on my XX/XX/XXXX credit report. Professional Placement Service reported the open date as XX/XX/XXXX on my XX/XX/XXXX credit report. Claim XXXX was originally reported as opened XX/XX/XXXX by XXXX on my XX/XX/XXXX credit report. Professional Placement Service reported the open date as XX/XX/XXXX on my XX/XX/XXXX credit report. Keep in mind these claims were paid in full long ago! This company calls my house every day, Monday through Sunday. They call several times a day. I get calls on Sunday 's at XXXX XXXX. All for debt that I paid off a long time ago. I have never received a statement from Professional Placement Services for these two claims so I can't attach them for reference.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Transunion DELETED XXXX XXXX XXXX XXXX Paid in full joint Auto loan account off my credit report when I disputed. XXXX constantly provided false info and inaccurate payment information about this financial transaction to Transunion which left me no choice but to dispute each and every time. On XX/XX/XXXX it was deleted off my credit report and when I called in and spoke with a XXXX on XX/XX/XXXX she informed me that XXXX  deleted it off my credit report and their reason she stated in the notes is " this account does NOT belong to me XXXX XXXX ) '' when they know for a fact that this is my account and that it does belong to me and how they know is by my DOB and social security number. So XXXX told me to asked them to Reinsert it back into my credit file with updated information and they should do it well I did that 3 times by fax and certified letter and XXXX said in letter form that " they did NOT delete this account off my credit report they blame it on Transunion and say they were the ones who deleted it off my credit and it has been over 2 months that this has NOT been on my credit. I then called again to Transunion and spoke with a XXXX who said that they Transunion did NOT delete this account and that XXXX XXXX XXXX deleted and all Transunion do is report what they and other creditors provide to them so I faxed Transunion a letter REQUESTING them to put this account back on my credit at once and by the end of the month and to have a manager call me and Transunion has NOT responded. Meanwhile I am damaged by this malicious action and don't know who is telling the truth and who is lying. I even attached the letter XXXX sent me to the fax to Transunion. This account is a good standing account and is a plus to my credit and if it was a bad account that was repo or in collections then worst it WOULD NOT BE DELETED and would stay on my credit report for 7 to 10yrs where it would NOT be deleted until then so why harm my credit then be malicious and discriminatory against me when I disputed. This is NOT right

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 2018-05-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONSTAR MORTGAGE LLC
State: WA

Complaint narrative:
Be advised that Nationstar 's response, is factually incorrect, to my CFPB complaint # XXXX. " Please be advised the customer is represented by counsel. The response will be sent directly to their office. '' Unfortunately, all mail sent to my former counsel is returned back to Nationstar which means I may never have an opportunity to review their reply to my complaint. 

I want to point out that the counsel they are referring to has not represented me since at least XX/XX/2017 as identified within the complaint as Exhibit C in which my then attorney notified both Nationstar and the trustee XXXX XXXX  that he no longer represents me and that all future mailings need to be addressed to me directly. Thereby Nationstar have failed to update there records. 

Nationstar have been Noticed on several occasions to the fact that I am to be included in ALL correspondence, Nationstar fail to comply in this matter and further Nationstar have been additionally noticed that my attorney no longer represents me, on more than one occasion. If Nationstar had been diligent in actually reading the complaint in its entirety then Nationstar would have been made abundantly clear to this fact as it is outlined within the complaint. Apparently, Nationstar are of the mindset to simply ignore legitimate complaints, as is seen in this instance. Clearly they have no respect nor honor in their dealings with their " customers '' as this portrays a systemic lack of good faith and is absolutely worrisome to me the homeowner. As Nationstar know full well, by complicating this matter, to the extent that the foreclosure sale is actually completed, having the sale reversed or undone, is extremely complex and burdensome to homeowner, this being a tactic not uncommonly used to crush homeowners by giant billion dollar corporations such as Nationstar. If this is not Nationstar 's modus operandi, then Nationstar would have observed within the complaint that I need to be responded to directly and the former attorney of record be removed from correspondence. Perhaps Nationstar feel it is advantageous to play these games in essence the response shell game to there benefit as the complaint clearly outlines how Nationstar have yet again violated Washington State law and the ruse Nationstar uses to complicate this matter, by failing to respond in any way effectively to the homeowner. 

This is precisely a pattern of willful and deliberate indifference from Nationstar and should be noted for the record. Moreover, how can Nationstar work with me when they won't even send me mail ... any mail whatsoever? 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-01 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
The original loan was taken out by XXXX and then sold to Wells fargo. The loan was for {$20000.00}, with a co signer on it in XX/XX/2007. The co signer has since filed bankruptcy and passed away and Wells Fargo hasnt been willing to help lower payments. Every time i have called in the past year they state i am not eligible for any payment plans or programs they offer, no one ever tells me what the plans even are. The current Loan balance is {$26000.00}. A total of {$13000.00} has been paid towards this loan yet the balance is higher than the original disbursement amount. Wells fargo has been unwilling to help resolve this debt and i have called the creditor numerous times during hardship and they have refused to help with anything.

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