vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-12-30 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
I am a XXXX year old XXXX  veteran living in Maryland that fell prey to a robocall scam that involved providing my bank account information. They convinced me that my account was over-credited by {$39000.00} on XX/XX/19. On that date I went to my Bank of America Branch ( BOA ) and talked with the bank manager about needing to wire this {$39000.00} back to the account number that was provided to me. I had never had transaction like this before and had just put money into this account to pay for my wife 's memory care facility and my assisted care facility expenses. The Bank Manager 's only question to me was whether I knew the recipient. I said I didn't but that I trusted him. BOA initiated the wire of the funds from my account. That night I realized that this was likely a scam and contacted BOA at XXXX XXXX  on XX/XX/19. BOA sent out some type of Money Recall Notice to the recipient Bank - ( XXXX XXXX  in XXXX, AL ) that on or around XXXX am on XX/XX/19. I have now been contacted by BOA fraud department and sent a Release and Indemnity Agreement that I am required to sign if I want BOA to assist in the recovery. The Agreement provides for waiving rights with respect to the initial wire and the recovery efforts, and a confidentiality provision that restricts me from talking about it with the press or anyone else. I have no other way to attempt to retrieve the defrauded funds or to even find out if the funds have been frozen by XXXX XXXX  and subject to recovery. I have no real idea of what efforts they will take or what rights I am giving up if they are not able to recover the funds from XXXX XXXX. I really have no choice but to sign this document.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-12-30 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:
On XX/XX/XXXX I received an alert that there was a change on my credit report. I went to investigate and saw a delinquent account named XXXX XXXX XXXX XXXX  XXXX that showed I owed XXXX dollars and that it was in collections. I had never received any notice or invoice or bill or anything about the account or what the charge was for or anything. I had never and still have never received anything about it. I opened disputes through both TransUnion and XXXX  with having no knowledge of the account. Both disputes came back showing verified as accurate with no other information. I reopened the XXXX  dispute to dispute the amount and account itself and that also came back as verified as accurate yet again with no info about what the charge is for or how it originated or why I never received any notifications about it at all before it was in collection. I am in the process of buying a home and this one new item dropped my scores by over 60 points and has no jeopardized my ability to buy my home. Upon calling the 800 number on the report and speaking to the company they couldn't do anything to rectify the situation except demand that I pay the amount and that they would then have it removed from my credit report within 3 months which is simply unacceptable. They didn't offer any chance to dispute the charge and told me they are simply collecting a debt. How is this even legal and why don't I have any rights or options?

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 2019-12-30 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: ATG Credit, LLC
State: FL

Complaint narrative:
I originally submitted a dispute letter to XXXX  dated XX/XX/2019, requesting validation for a collection from XXXX and XXXX XXXX on my credit report. The letter was sent by certified mail/return receipt on XX/XX/2019, and delivered on XX/XX/2019, at XXXX XXXX. I NEVER received my dispute results! I only received a letter from XXXX directly dated XX/XX/2019, stating their client, XXXX XXXX XXXX, confirmed the outstanding balance without including any additional proof validating this debt belongs to me or that they own the debt. I followed up with another dispute dated XX/XX/2019, requesting XXXX XXXX method of verification for the two collections, XXXX and XXXX XXXX, and a collection from ATG Credit, which I have disputed in the past. This letter was received by XXXX on XX/XX/2019, at XXXX XXXX. XXXX responded with a letter dated XX/XX/2019, verifying the ATG Credit collection as accurate, and another letter dated XX/XX/2019, stating they would not investigate the XXXX and XXXX XXXX collections and FAILED to provide me once again with their method of verification procedures and validation of debt 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 2019-12-30 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: HCFS Healthcare Financial Services of TeamHealth
State: FL

Complaint narrative:
I originally submitted a dispute letter to XXXX  dated XX/XX/2019, requesting validation for a collection from ARS and XXXX XXXX on my credit report. The letter was sent by certified mail/return receipt on XX/XX/2019, and delivered on XX/XX/2019, at XXXX XXXX. I NEVER received my dispute results! I only received a letter from XXXX directly dated XX/XX/2019, stating their client, XXXX XXXX XXXX, confirmed the outstanding balance without including any additional proof validating this debt belongs to me or that they own the debt. I followed up with another dispute dated XX/XX/2019, requesting XXXX XXXX method of verification for the two collections, ARS and XXXX XXXX, and a collection from XXXX XXXX, which I have disputed in the past. This letter was received by XXXX  on XX/XX/2019, at XXXX XXXX. XXXX responded with a letter dated XX/XX/2019, verifying the XXXX XXXX  collection as accurate, and another letter dated XX/XX/2019, stating they would not investigate the ARS and XXXX XXXX collections and FAILED to provide me once again with their method of verification procedures and validation of debt documents.

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 2019-12-30 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: ID

Complaint narrative:
Navient has failed to let me know when interest will be capitalized on my loans and why. It seems to be at random and sometimes multiple times in the same year. They do not call or inform me when this is about to happen. If a reapplication for a payment plan is missed, they had suggested temporarily stopping payments until the plan was renewed. They failed to inform me that once it resumed once again interest would capitalize. This has made my initial loans go from about 44,000 to now owing XXXX. I have been paying monthly for several years and now owe more than when I initially graduated. They qualified me for a lower repayment monthly amount without telling me NONE of this will go towards the principal. I am paying on interest only in the allocation and then the leftover interest is getting capitalized onto the loan. I'm paying interest on interest for several years. I am working in the field I went to school for and I can not afford to chip away at this ridiculous amount and loan rate while still having normal everyday bills. I am beyond frustrated and feel hopeless about my student loans. I have also been advised to enter certain payment plans without being told that my amounts would not go towards any of the principle of the loan. 
No correspondence is given or any kind of warning when interest is going to be capitalized. 
I also feel that when my loans were consolidated they were put at a higher fixed interest rate than they ought to be since some of those consolidated loans were originally much lower rates. I was only advised that consolidating would be my best option. But if it was, then why raise the interest rate.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
I applied for financial hardship with Mr. Cooper on XX/XX/2019, since last 15 days they have done nothing and just dragging the application, asking me for documents already provided to them. they are unnecessarily causing me stress and are not fulfiiling what they are supposed to. I have previously made six complaints against them on CFPB and still they are not serious. I think I will have to go to court against them. This time in the application I already mentioned that my house doesn't have any HOA fee but still they asked me the receipt of my HOA fee ( please see attached ). this is disgusting and uncalled for. I don't know what illiterate company is this and what kind of illiterate people they hire who can't read simple english. Enough is enough. Now they will start my application again from XX/XX/2019 and will take another 30 days. Is this some kind of mockery or joke? They need to understand other person is going through an hardship and Mr Cooper making fun of the other person? what is this? One more mistake, I will write to XXXX  XXXX and XXXX XXXX about them and of course sue them

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-30 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
On XX/XX/XXXX I received an alert that there was a change on my credit report. I went to investigate and saw a delinquent account named XXXX XXXX XXXX XXXX  XXXX that showed I owed XXXX dollars and that it was in collections. I had never received any notice or invoice or bill or anything about the account or what the charge was for or anything. I had never and still have never received anything about it. I opened disputes through both XXXX  and Experian with having no knowledge of the account. Both disputes came back showing verified as accurate with no other information. I reopened the Experian dispute to dispute the amount and account itself and that also came back as verified as accurate yet again with no info about what the charge is for or how it originated or why I never received any notifications about it at all before it was in collection. I am in the process of buying a home and this one new item dropped my scores by over 60 points and has no jeopardized my ability to buy my home. Upon calling the 800 number on the report and speaking to the company they couldn't do anything to rectify the situation except demand that I pay the amount and that they would then have it removed from my credit report within 3 months which is simply unacceptable. They didn't offer any chance to dispute the charge and told me they are simply collecting a debt. How is this even legal and why don't I have any rights or options?

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 2019-12-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
When I open this account I signed agreement stating that I did not want over drafting and frees from my account. But today XX/XX/2019 I logon into my account and my account is overdrawn {$430.00} which was because on XX/XX/2019 I filed a Claim Disputed against XXXX XXXX  which when I filed the representative check my account the system and informed me that the merchant did not reserves the changes and continue with the claim or dispute. I'm really concerned that with hours awaiting credit and investigation that Chase Dispute and Transaction did not notice that they credit already and when the merchant credit the account then Chase should have keep the credit since they have already credit my account. I another problem that they informed that they is credit on XX/XX/2019 but when I log into my account I can not see the credit of the transaction if Chase is giving customer access to they account me and others should be able to see the credit. I extremely tired of long in the website and not having access or they changing my password with my permission. Chase Claim Dispute Number is XXXX Option 1 and they Dispute Transaction Number is XXXX same number the both them. I was when call the dispute or claim or charges that They did not finish my claim because I want to speak to supervisors and the submitted it as inquiry. How do you submitted a claim or credit on Inquiry. This should be illegal for me and other to call and dispute charges and it submitted only as inquiry. The Supervisor for the claim department Complaint Number is XXXX. Please investigate Chase Bank policies and ensure that all United States Federal Regulations are being apply to me and other customers. All misconduct and mismanagement found all individuals involved be convicted according to United State Federal Regulations

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
XX/XX/19 contracted with moving company to move sons possessions from one location to another. We were located 250 miles away and could not assist but we paid for the move. The company called us and said the move was done well, so we paid for the move and a tip. Then son contacted us upset that only 1/2 items  were moved and some were broken. Contacted moving company immediately on XX/XX/XXXX My husband also had to drive 250 miles, get trucks and finish the move. 

Moving company said they would review. Called multiple times. Requested their paperwork which was to be signed showing move was ok. They admitted no one signed this but refused to reimburse for poor moving services and broken items. We then disputed the charges of {$560.00} with Chase. Sent in dispute form and all receipts. Chase closed dispute saying they hadnt received the information on their system ... even though this was sent 3 times by fax and secure email. Had to resort to mailing all forms again in XXXX. Then merchant sent a fraudulent form where he forged my signature saying move was ok. I provided copies of all our signatures to Chase to show this was a forgery. Also provided text messages from merchant where he admitted the fraud and promised us he had sent this to Chase through his XXXX banking. 

Chase still refused to honor our dispute. A fraudulent transaction, when identified as such by a credit card customer, must be honored in a dispute. We can not he charged more than {$50.00}. We provided all evidence, including all emails and texts where the merchant admitted the fraud. Yet Chase still honored the merchants charge of {$560.00}. 

Can provide more documents as needed in addition to the texts where merchant admitted fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
Currently my Trans Union Credit Report reflects 22 charge offs, my XXXX   credit report reflects 21 charge offs, and my XXXX credit report reflects 21 charge offs. These accounts date back to the years XXXX-XXXX  and once they were paid in full I requested that they be closed. I personally contacted the creditors and requested that they send me letters to reflect that the accounts were paid in full which I have attached. I am requesting that the incorrect and outdated information regarding the charge offs be removed from all 3 credit reports. In addition there is a creditor named XXXX XXXX XXXX and I have disputed this account for years. Initially it reflected as XXXX on my credit report and now they are under this name. I have never took out any student loans as my parents paid for my college education. I graduated from XXXX  XXXX  XXXX University in XXXX of XXXX. You can verify this information by contacting XXXX XXXX  XXXX University at XXXX. I have tried several times on my own to dispute and remove this incorrect fraudulent information however, nothing has ever been done. If you need any further information from my as old credit reports dating back to the tears XXXX-XXXX I will be happy to supply them. Please feel free to email me at XXXX or call me at XXXX if you have any further questions.

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 2019-12-31 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX is trying to foreclose with an illegal loan that was given to me by XXXX  XXXX XXXX  XXXX. This loan is securitized, void, unenforceable and in violation of ( 1 ) Federal Law. ( 2 ) Acceptance of a prohibited transaction for this trust. ( 3 ) Breach of trust. ( 4 ) Lender strictly violated Article II section 2.01 of the pooling and serving agreement ( Note and Mortgage via an assignment of Mortgage together with the Note, after the closing Date/startup Day. ( 5 ) Violation of sections 17 ( a ) ( 2 ) and17 ( a ) ( 3 ) of the securities Act [ 15 USC 77q ( a ) ( 3 ) ]. ( 6 ) My loan was paid in full by XXXX XXXX XXXX XXXX  with a ( SATISFACTION OF MORTGAGE ) XX/XX/XXXX, it was securitized and put into a MERs loan. How was XXXX XXXX able to refinance my loan? Then afterwards ( 7 ) The originator of my loan became XXXX XXXX, XXXX. XXXX XXXX XXXX sold my loan into the trust on XX/XX/XXXX.Therefore it is entirely impossible, short of specific documentation to substantiate a claim that XXXX XXXX XXXX could assign anything after XX/XX/XXXX. ( 8 ) XXXX XXXX  XXXX filed an assignment of Mortgage with the XXXX county clerk 's office. The assignments are invalid and Fraudulent. XXXX transferred an assignment to XXXX XXXX XXXX   XXXX XXXX XX/XX/XXXX a day after a summons and complaint was filed with the XXXX county clerk 's office from XXXX XXXX XXXX. on XX/XX/XXXX. ( 9 ) On XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX assigned XXXX to itself, how is that possible? ( 10 ) My Mortgage says ( pay to the order of blank ) with out recourse XXXX  XXXX XXXX  XXXX. Signed : XXXX XXXX ( Rubber Stamped ). ( 11 ) The Deed and the Note has become defective, renders the iDeed of Trust unenforceable. Massachusetts supreme court in U.S. Bank v. Ibenez ruled that a blank assignment is not sufficient to claim perfection. PLEASE INVESTIGATE THE LOANS AND ALL THE ABOVE POINTS.

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 2019-12-31 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
XX/XX/2019 Consumer Protection Agency Please Help! 
In XX/XX/2019 I arranged for repair work for my home. The company doing the work arranged the financing of {$3800.00}. 
The payments contracted to Syncrony Bank in the amount of {$110.00} a month began in XX/XX/2019 due on the XXXX of the month. 
In XXXX the statement requested a payment of {$140.00} due to additional interest. I called the company but was only able to press number after number to a recorded message requesting the payment of {$140.00}. 
XXXX statement requested a payment of {$180.00} which included additional interest and a fee of {$38.00}. 
XXXX statement requested a payment of XXXX. Additional interest and fees. 
I was finally able to talk with a human being when a representative called me. He told me that any additional charges are treated by the Bank as purchases which accounts for the higher payment. I explained that I am on SS and do not have the financial ability to make such an increased monthly payment to which his reply was sorry. 
XXXX statement requested a payment of {$300.00}. 
XXXX statement requested a payment of {$360.00}. 
On XX/XX/2019 I received a call from a Syncrony bank representative asking for my XXXX payment. I told him I had been making my {$110.00} payment every month, and the one for XXXX had been sent. He told me since I hadnt paid the additional fees and interest, my payments were not accepted as the monthly payment. 
9 x {$110.00} = {$1100.00}. ( Paid YTD ) Original loan amount of {$3800.00} - {$1100.00} = {$2700.00}. 
My XXXX statement balance is {$3200.00}. So my balance is not going down and my payments are dramatically increasing. 
I dont understand this and I am very fearful that this company may eventually leave me among the homeless. I have experiences during my lifetime that showed me most of the laws and regulations favor businesses, institutions, or the government. Not a simple citizen.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief