vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-16 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Wrong amount charged or received — 
Company: CITIBANK, N.A.

Complaint narrative:
1. On XX/XX/2021 I sent money via XXXX from my Citibank account, via online from my computer at home. The amount that I wrote to send was {$25.00}, but I noticed that in the next step before accepting and sending, the amount that appeared on the screen was {$2500.00}. I canceled that operation and did it again. I wrote {$25.00} again, and {$2500.00} came up again ; at that moment I decided to correct it to {$25.00} and before accepting I made sure that what appeared on the screen was {$25.00} and indeed, on the screen I could read " send {$25.00} ''. 
2. Once I applied accept, the next Citi online screen showed the proof of the operation in process for {$2500.00} " pending operation '', sent to XXXX email provided by the person to whom I wanted to send {$25.00}. 
3. Almost inmediately I spoke with a Citibank representative ( Mr. XXXX ) and explained what happened so that the operation could be canceled. That Citi representative took the data and informed me that he registered the case XXXX. 
4. After that I made several calls in which I always pointed out to Citi agents that the problem was due to a failure in Citibank 's online system. This was never rejected or commented on by them. 
5. It was only until XX/XX/XXXX that, through a telephone call, I learned that Claim XXXX was closed by Citi because they did not have enough information. There was no formal communication from Citi about that. 
6. Due to that information in that same call I made a new claim, which was registered XXXX dated XX/XX/2021, I recounted what happened and indicated that I correctly entered " send {$25.00} '' for the second time and the banking system failed and shipped $ XXXX.The Client Service agent Mr. XXXX who received the claim informed me that a new investigation was being initiated and he wrote : a provisional credit decision will be made within 10 business days. Your request has been submitted. 
7. Indeed, on XX/XX/XXXX, Citi made a credit to my account for {$2400.00}, but later they sent me another communication ( XX/XX/XXXX ), in which they informed me that their investigation has ended and they conclude that I misspelled the amount sent for which, they are not responsible. Consequently, they deducted {$2400.00} amount that they previously paid " as a credit '' ( I have never asked for any amount in credit ). 
8. My complaint is that my testimony, apparently, was not taken into account in the conclusion reached by Citibank. I did not write wrong, I made sure that before accepting, what I wanted to send was written correctly, {$25.00}. I pointed out several times that it was a failure of the bank 's system, repeated and therefore, that Citibank decision hurts me enormously, they are My savings. It is not the right thing or fair that due to a failure of the bank 's online system they take that amount of money from me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-04-16 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
My FFELP loan was sold to a private loan or Sallie Mae and then sold to NAVIENT without my approval making it in eligible for loan forgiveness. Saying that I work for a nonprofit organizations for over 15 years.Then my principal was down to XXXX owed after paying for 20 years over XXXX in interest is now escalating since they put me into a progressive interest loan so my principal now is up to you XXXX my original alone amount was only XXXX. I would like to make a complaint against NAVIENT if not a A lawsuit to prevent this from happening to other borrowers I've been paying for over 22 years {$600.00} a month with multiple forbearance is and other options seem to be nullified. I borrowed the money From XXXX to XXXX graduation. I would like to make a class action lawsuit or participate in your lawsuit for fraudulent miss leading miss knowledge poor business practices of NAVIENT.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: FL

Complaint narrative:
I have been having a problem with Rushmore Loan Management Services. I have been requesting that the PMI be removed since 2019 with no success. The latest letter even included the comparable to show that the property is now below 80 % value. I need your assistance on this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-16 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: EQUIFAX, INC.
State: FL

Complaint narrative:
My lender XXXX XXXX XXXX, reports to all three bureaus at the same time every month. The information they report is a snapshot of the last statement bill. The information for the month of XX/XX/2021 and XX/XX/2021 was and is being reported incorrectly by only one Credit bureau which is Equifax. I have disputed the inaccuracy three times, the last dispute still in process. 
Both previous dispute resolutions are stating that XXXX is reporting a {$3000.00} balance on my {$3000.00} Line of Revolving Credit ... this is inaccurate. My statement balance ( which I forwarded to them and XXXX XXXX department confirmed to me ... is showing {$1.00}. I've also talked to a representative from eOscar which is the company ( data transmission ) that is used to report from the lender side and investigate disputes from the bureau side, there is nothing they can do apparently. 
Equifax has also had to remove and report several collections and other debt, all of which they have not increased my score at all. 

This is beyond problematic. We are entrusting our lives to faulty companies with little to no consumer empathy as to how they are affecting our lives. This is not fair and has caused more XXXX XXXX and it's not necessary.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-16 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: OH

Complaint narrative:
Rushmore Loan Management Services in conjunction with XXXX XXXX offered a streamlined refinance of my mortgage. I was told the process was easy and that there was no out-of-pocket cost to me as a consumer and that no money was needed at closing. Rushmore since that closed refinance back in XX/XX/XXXX has informed me as of XX/XX/XXXX that they made a mistake in calculating what was actually needed when the refinance was processed and due to their error in aligning properly with XXXX XXXX and that an amount of XXXX was short. Rushmore took no accountability for this issue and even stated they know this issue happens from my conversation with XXXX from their customer service area on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
Dispute # 1 XXXX/XXXX inquiry date XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX. Banks and XXXX XXXX  XXXX 's phone number XXXX Dispute # 2 XXXX credit card company phone number XXXX XXXX XXXX , Florida XXXX Inquiry date XXXX These two inquiry showing on my XXXX consumer report are both fraudulent I did not consent to these inquiries they were done against my will and knowledge

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 2021-04-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: IN

Complaint narrative:
This is in regard to original complaint nor XXXX submitted XX/XX/21 regarding HSBC not making payments available as credit in a timely fashion. I received your response yesterday and it is completely unacceptable. You forwarded their response that points out that the cardholder agreement allows UP TO 14 days to make the funds available. They sent that to me as well. They can put anything they want in the agreement ; however that is not the problem. They need to be audited to discover where the funds paid by thousands of customers are shown in their accounting. My suspicion is that it is shown as reserves. It is not. The money represented by these payments is not theirs to use in any manner they wish. If not illegal it is unethical. The funds are deducted from my checking account and shown as received by HSBC but not available to me. You can't just forward their non-answer and call it done. It's not. Where is MY money for 14 days? It is your responsibility to find out. You can communicate to them that I am not without recourse in this matter. I can, ( and I will if forced to ) ATM the entire available credit and stop paying them altogether. My credit will take a hit but they will have to sell the debt at a loss to a collector whom I will happily pay. In addition this situation occurred because they lowered my credit limit without notification to me and I had a purchase denied. Their notice to me claimed I was sent an e-mail telling me of the limit reduction. I received no such e-mail. I received a letter in the mail on XX/XX/21 long after the reduction. None of the reasons for the deduction apply to me. ( see attachment ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-16 00:00:00
Product: Debt collection — Mortgage debt
Issue: Communication tactics — Frequent or repeated calls
Company: Mr. Cooper Group Inc.
State: CO

Complaint narrative:
Mr. Cooper Mortgage keeps calling my wife repeatedly after being told to stop. They leave no message and our mortgage is currently in good standing. These are the times and dates that they have called in the last week : XX/XX/2021 at XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX. 

XX/XX/2021 at XXXX XXXX. 

XX/XX/2021 at XXXX XXXX and XXXX XXXX. 

XX/XX/2021 at XXXX XXXX. 

All times are Mountain Daylight Time.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-16 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: ENOVA INTERNATIONAL, INC.
State: SC

Complaint narrative:
Creditor is Netcredit, They reported me to XXXX and XXXX as past due 30 days twice and 60 days past due only marking the account as affected by a natural disaster., when I had called in and made payment arrangements to keep my account current during covid-19 last year. I fulfilled my payment arrangements and brought my account current during the agreement period and paid my loan off in XX/XX/2020.I submitted to them complete copies of both credit reports. I received an email from them stating they will basically not remove the negative reporting and my account is accurate. This is the only account reported negative on my credit report during this time, which I had other accounts with payment arrangements during that time and fulfilled them to and the creditor reported me current. 
I expressed the CARES ACT Violation and I was told that nothing would be done to fix the reporting, though their record show I had an arrangement and fulfilled my obligations to the arrangement in the time frame it was granted. 

The negative reporting is as follows XXXX XX/XX/2020 / 30 days late, XX/XX/2020 / 30 days late, XX/XX/2020 / 60 days late. 

XXXX they reported the account XX/XX/2020 / 30 days, XXXX 30 days and XXXX  60 days late. They noted the XXXX account as 60 days past due XX/XX/2020 and 30 days past due XX/XX/2020 and XX/XX/2020. They did not report payments on XX/XX/2020 for XXXX. 

XXXX they did not report payments in XX/XX/2020, XX/XX/2020 or XX/XX/2020. I paid the arrangements per the agreement. On the XXXX report it stated XXXX as 60 days past due i the comments below Date closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-16 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: Consumer Portfolio Services, Inc.
State: FL

Complaint narrative:
Consumer Portfolio Services is deliberately reporting false and defamatory information on all three Credit Reporting Agencies. False and malicious information is being reported and I have repeatedly tried to clear this up with the credit reporting agencies and Consumer Portfolio Services.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-16 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Shellpoint Partners, LLC
State: MD

Complaint narrative:
To : Consumer Financial Protection Bureau Re : Complaint - ShellPoint/NewRez Mortgage The following statement serves as an addendum to the attached complaint ( doc ). 

As the closing deadline has passed, we are now faced with a fee of {$1200.00} to extend the rate lock with XXXX, which is now an additional expense coupled with the unwarranted late fees imposed by ShellPoint/NewRez. Following a review via ShellPoints online portal, they applied our overpayment for the month of XXXX by assessing another late fee despite being told that the payment would not be late if made by the XX/XX/2021. This too was a result not being fully informed regarding XXXX payment as we were in the process of a closing date. This situation has presented us with a significant loss of thousands of dollars in savings, by the unfortunate actions and inaction of ShellPoint/NewRez. Subsequently we have lost the opportunity for our VA IRRRL. 

Our current mortgage rate with ShellPoint is 3.5 % and new IRRRL was locked at 2.875 % with XXXX. 

ShellPoint also delayed acceptance of the electronically signed Borrowers Authorization Form, informing the title company that the e-Signed request was not acceptable ; the hand-signed copy was subsequently accepted, thereafter. There were response time delays as well. 

This is truly heartbreaking and unacceptable behavior from a financial institution. As a veteran, I served my country, live a life of integrity, pay my taxes and bills. My wife and I are justified in forecasting a future with reduced debt via the now missed opportunity for an IRRRL. The adverse impact to my credit rating is unjust. This experience with ShellPoint/NewRez is suspect regarding the timing - as we were on the cusp of closing with XXXX. 

I have included a 1 year ACH payment history demonstrating on-time payments. 

XXXX, XXXX XXXX

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-16 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: United Revenue Corporation
State: TX

Complaint narrative:
I have sent this company certified letters, documentation requests, and have not received the proper validation paperwork. This company has placed over 4 different accounts on my credit report that are causing extensive damage to my credit report but have yet to send proper documentation to show these accounts rightfully belong to me

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: PNC Bank N.A.
State: TX

Complaint narrative:
XX/XX/2021 Date Account opened through fraud with PNC Bank Unemployment started and checks received from the unemployment Department

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I do not recognize the following inquires on my transunion report : XXXX XXXX from XX/XX/XXXX XXXX from XX/XX/XXXX XXXX from XX/XX/XXXX XXXX XXXX from XX/XX/XXXX XXXX XXXX from XX/XX/XXXX I have contacted transunion and the lender who was of no help removing these inquiries from my report and it is adversely affecting my credit.

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 2021-04-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: JPMORGAN CHASE & CO.
State: UT

Complaint narrative:
I sold my car to a dealer they contacted chase auto lending ( XX/XX/21 ) to ask for a pay off amount which was {$44000.00} I was told of XXXX XXXX ( new car dealer ) sent the full amount of sale {$63000.00} the excess would be credited to my checking account in less then ten business days. Chase revived the check XX/XX/21. I contacted chase on XX/XX/21 and was told they had not received the check, I then went into the dealership to ask for information as to when the check was sent and a copy of the check as I was talking to the accounting department chase called them to verify the amount was correct and stated they would deposit the money in my account there next day. The money never arrived in my account I again called chase auto loan and was told because of the amount of the refund {$18000.00} they had to send a check ( XX/XX/21 ). I again contacted chase on XX/XX/21 because I had not received the check and was told they had placed an additional ten day hold on the check which expired XX/XX/21. After talking to a supervisor I was told she would contact their back office about getting the money released faster due to the fact it had already been under a ten day hold and I would receive a call back to confirm also that the check would be send XXXX. I never received a call back and the check never came so I called again XX/XX/21 and was told the funds have not been released because the back office hasnt signed off on it yet and they dont know when it will be released off who I should talk to. I was also charged interest for the ten days they had a hold on the check and was told my refund is now {$18000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-16 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: ENOVA INTERNATIONAL, INC.
State: CA

Complaint narrative:
Net Credit sends information out in the mail advertising loan consolidation and such. They offered {$9500.00} and ACH. On the initial conversation they set up a ACH. And it seemed fine. Just recently I was going over my credit report and noticed my principal has hardly gone down wit {$600.00} per month payments. 

I contacted the company and they sent me a contract for 64 % interest rates amortized for 60 months. With a total payout to them for {$32000.00}. I would have never agreed to this! There are plenty of normal products out there with reasonable rates. This is crazy! 

Best Regards XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ProCollect, Inc.
State: TX

Complaint narrative:
On multiple occasions I contacted Procollect and sent receipts of payments made to the original creditor and Procollect said they will not honor those payments. I sent the contact information of the original creditor and they still will not resolve this matter. 

The amount in question was {$1100.00}. As a result we have been denied a mortgage and credit cards. 

This has been going on since XX/XX/2016.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: LoanCare, LLC
State: CA

Complaint narrative:
We have called at least 4 times to requiest a payoff statement for our mortgage. We have yet to receive a statement.

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 2021-04-16 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: United Revenue Corporation
State: TX

Complaint narrative:
I have contacted UNITED REVENUE CORPS on multiple attempts regarding this medical debt they have placed on my account. They have not responded within the FCRA time frame or at all. I requested validation of this debt along with a signed HIPPA release form and have received nothing

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: TRUIST FINANCIAL CORPORATION
State: MD

Complaint narrative:
I transferred {$1000.00} via the bbt ( truist ) app. When I attempted to reverse the transaction bbt refused to assist despite the transaction pending in the checking account. I trusted that the transaction would be serviced by bbt not no assistance offered. I chose this form of payment for its security and because bbt 's name is on it and I trusted their security. 


I have been a bbt customer for over 20 years with checking, mortgage, and credit card lines but they still refuse to assist. Avoid truist at all costs, no customer service and loyalty is punished.

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 2021-04-16 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: ENCORE CAPITAL GROUP INC.
State: MI

Complaint narrative:
I ' am writing this due to non - compliance with ( XXXX, XXXX, XXXX ). They have failed to remove information that was affiliated with personal debts that were challenged in the past. I strongly that they are in violation of FCRA and are outright refusing to uphold the law.

Company response to consumer: Closed with explanation