vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-28 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: MD

Complaint narrative:
Its about receiving my monthly statements, they stop sending me my monthly statements XX/XX/2018 and they are saying the reason why is because i file for bankruptcy its been ten years ago so if that was the reason why did they send me statements all the way up to XX/XX/2018 I need a better answer then that i have file for bankruptcy so if thats the case then they are legally wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Citibank had a {$600.00} promo offer If you open an account and maintain the balance for 3 months on {$50000.00} that I saw online, I went to the XXXX, Ca branch and asked them for that offer and they happily opened my account. 

I was informed by the branch to keep the balance between my checking and savings account which I did from XXXX XXXX to XX/XX/XXXX. I messaged, called their toll free number and the branch on XX/XX/XXXX and was told it was not coded properly by the toll free and message and was asked to call the branch. I called the branch and spoke with a lady and later XXXX XXXX who said it was coded properly and to expect my {$600.00} bonus on XX/XX/XXXX. 

Come XX/XX/XXXX, I messaged again and called and finally put in a dispute. I followed up on the dispute on XX/XX/XXXX and was told that a letter was sent and the representative read the letter saying it was denied. This is not right and this is fraud!

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 2020-04-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CAVALRY INVESTMENTS, LLC
State: ME

Complaint narrative:
Cavalry Portfolio Services has placed a lien on the title of our family home in Connecticut. 
We are trying to sell our family home through a short sale to keep it from falling into foreclosure. 
Despite our best efforts, Cavalry refuses to release the lien from the title so the short sale can go through and not another Connecticut foreclosed home. 
We have a cash sale, but Cavalry continues to refuse to work with us by releasing a very old debt from XXXX - XXXX that they purchased. 
At that time, both of us were working. The economy in Connecticut was great, we are now retired and trying to sell our family home when this showed up on the title. 
Our Bank will not close with this lien on the title. 
Thank you for your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I've been having the hardest problem dealing with someone using my personal information to open accounts in my name without my consent. I've filed police reports and FTC report trying to clear my name but i'm not having much luck.

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 2020-04-28 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I've been having the hardest problem dealing with someone using my personal information to open accounts in my name without my consent. I've filed police reports and FTC report trying to clear my name but i'm not having much luck.

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 2020-04-28 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: PNC Bank N.A.
State: OH

Complaint narrative:
Pnc will not allow linking between pnc account and online savings account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
We were charged a {$38.00} late fee by Capital One Credit and called to get it removed and they refused to. Weve been heavily impacted from Covid-19. Our family has lost our jobs and have had numerous family and friends pass away. We were told when we initially called back in XXXX that we would not be charged interest and they would remove the late fees knowing that we are in a terrible situation. We need help here and shouldnt be punished for going through what we are going through. They said that the account will remain in past due status and will get reported to the credit bureaus. Weve never made a late payment prior to this and shouldnt be punished now.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-04-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Nelnet, Inc.
State: MA

Complaint narrative:
Upon entering XXXX  school three years ago ( XX/XX/XXXX ), my federal student loans went into deferment. Since then, I have not received ANY contact from my student loan service, Nelnet. This includes loan statements, interest statements, tax information, reminders, or anything else. 

I have continued to make payments to my private student loans during my time in graduate school to a company that is also owned by Nelnet ( Firstmark ), but given the lack of contact, I had forgotten about the separate loan and loan service account. Perhaps naively assuming that since they're owned by THE SAME COMPANY and want my money they would be in touch. Today, I learned I still owe {$13000.00} in federal student loans. I was not aware of this balance until today ( XX/XX/XXXX ). 

I contacted Nelnet and despite having records of my making regular twice-monthly payments totaling tens of thousands of dollars over the past three years to my private loan account, and declaring interest as tax deductible every year, they have no record of contacting me for my federal student loans. I asked them why they didn't contact me and to please describe the policy that outlines why in the world they would cease contact with borrowers while also collecting interest on them and their response was " I don't know. '' I'm not kidding. The response from the customer service representative and her supervisor was " I don't know. '' TO BE CLEAR : I did NOT miss any contacts, letters or email. I did NOT ignore any correspondence or lose it. NELNET HAS NO RECORD OF CONTACTING ME FOR THREE YEARS despite collecting daily interest from me. 

" I don't know '' is not an acceptable response. Not contacting borrowers for three years is not an acceptable policy. Continuing to collect DAILY COMPOUNDED INTEREST off my back while neglecting to notify or even give me the opportunity to deduct the interest from my taxes is not acceptable. I would assume and hope that it is in some form illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
There are fraudulent and innacurate accounts reporting on my credit report

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 2020-04-28 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: EQUIFAX, INC.
State: AZ

Complaint narrative:
On XX/XX/2020, I was alerted by XXXX XXXX that a hard credit pull was completed by XXXX XXXX XXXX through Equifax. I created an online dispute with Equifax on XX/XX/2020 because I have NEVER used XXXX XXXX XXXX for anything, nor ever looked into any of their services. I received a response from Equifax stating that is was a legitimate pull. I followed up with XXXX XXXX XXXX on XX/XX/XXXX and they stated that my SS # is not in their system, nor do they have a record of me requesting any kind of credit through them. That, in fact, it should never have been pulled and should be corrected. I was told by that representative that they would send a letter to Equifax, but when I called on XX/XX/2020, Equifax had not received anything and they stated that I needed to call XXXX XXXX XXXX again. Upon doing so, I spoke to XXXX XXXX XXXX  's Fraud department only to be sent to another XXXX Fraud department. That department put me on hold for an hour, twice, only to pick up the line and then drop the line. I have not been able to reach anyone else and no one is able to help me rectify this situation. I value my credit, especially in light of the present situation where I may have to seek funding elsewhere to provide funding for my business. I would like someone to please rectify this as soon as possible, but I am getting nowhere with either entity.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-28 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: MARINER FINANCE, LLC
State: VA

Complaint narrative:
XX/XX/XXXX Mariner Finance sent a check to be cashed as a loan. My husband XXXX XXXX XXXX cashed the check using his driver license. XX/XX/XXXX my son XXXX XXXX XXXX Credit report was showing loan and that is was late. I called the local branch and spoke with manger XXXX XXXX he asked for us to send social security cards and that he would correct the information. XX/XX/XXXX the information was correct and put on XXXX XXXX report but then they reported the account is charged off and in collections. We made our payments on time and called the branch on 3 different occasions to ask for this to be corrected. The assistant manager in XX/XX/XXXX asked for me to email showing how it was being misreported so she could correct it. I sent it and never heard back and report is still being reported wrong. I called back several times asking for Mr.XXXX  to call me back to have this fixed and get no call back. I have disputed with credit reporting agencies only to come back information is correct. We paid this loan off early. This misreporting is causing us undue stress in causing his credit score to be low due to the misreporting. We have done everything as a consumer and this business has done nothing in correcting there problem even though they admit its incorrect!

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 2020-04-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: TRUIST FINANCIAL CORPORATION
State: VA

Complaint narrative:
I placed a complaint here last month ( XXXX-XXXX  } in which I described the situation with Suntrust Bank. I detected fraud on my check account in the fall of XXXX. I reported this to Suntrust who then followed their procedure of closing the account and immediately opening a new account. My funds were transferred by Suntrust to the new account ( ending in XXXX ) with the promise that any outstanding checks would be rerouted to this new account. I use the Suntrust Bill Payer service which requires me to place the check amount and the date of delivery in the blanks and then hit send. In XX/XX/XXXX and again in XX/XX/XXXX both payments were returned because they were applied to the old account which had no funds. The funds were transferred to the account ending in XXXX. I did not direct my checks to be paid from a closed account. The error was made by a Suntrust employee. Each of these checks drew a late fee for {$10.00} and a bounced check fee for {$30.00} for a total of {$80.00} from the biller, XXXX XXXX. They are the business office that collects home owner association dues. I should also inform you that while I was hospitalized in XXXX of XXXX my wife paid bills that she found on my desk, including the penalties placed by XXXX. After recuperating, I attempted to get a refund from XXXX  but they refused even though I could show the error was made by Suntrust. Suntrust does have a policy to reimburse for a loss like this. They are supposed to stand by their agreement with the Bill Payer customer. Suntrust contacted XXXX asking them to return the fines to me, but they refused. Suntrust reimbursed me for one of the checks, the one for XXXX. I attached the " final response '' from XXXX XXXX who is an assistant vice president of Suntrust. In the third paragraph she says the XXXX check was returned " unauthorized '' because the account was in a " no debt '' status and that there were no funds to cover the item. She also said that the account was closed in XXXX of XXXX which is inaccurate because I closed the account in the fall of XXXX. With the number of payments I send out I would have bounced a lot of checks that month if I tried to use the account that was empty. I was not aware of the procedure that Suntrust uses to pay our bills. Apparently smaller concerns like XXXX  are sent checks instead of electronic deposits. I never touch the checks that XXXX  receives. The errors were made by Suntrust.

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 2020-04-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: COMMERCE BANK
State: IL

Complaint narrative:
I received a letter dated XX/XX/2020 informing me that my credit card was closed. No reason was provided. I had an {$8000.00} line of credit with a XXXX  balance and zero late payments. I had been a customer in good standing for 13 years. The closure of the account will harm my credit score and credit in general. Since there was no rationale and I have been an excellent customer I demand my account be reinstated in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-28 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: TN

Complaint narrative:
There are fraudulent and innacurate accounts reporting on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-28 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
There are fraudulent and innacurate accounts reporting on my credit report

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 2020-04-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: MN

Complaint narrative:
I contacted my mortgage servicer, Freedom Mortgage by phone on XX/XX/20, for informational purposes only, to see what programs they were offering during the COVID-19 pandemic. I was not late nor delinquent in my mortgage payments. I spoke with XXXX, Rep # XXXX, she told me about the forbearance plan. I stated I did NOT want to be on a forbearance plan. I received a letter from Freedom Mortgage stating I was approved for a 3 months forbearance plan, and while on this plan my property would be subjected to one or more inspections, any payment I sent would be held in a suspense account and applied only after all fees related to the forbearance plan had been settled. I immediately called and spoke with XXXX, ID # XXXX and explained I did NOT consent to this, he said he would cancel it. It has not been canceled, the payment I sent has NOT been applied and I am afraid I will lose my home due to being placed on a forbearance plan. I can not afford to pay fees or costs associated with a plan I did not ask for. It is reprehensible the government has " removed hurdles '' for the mortgage servicers thus putting hurdles in the consumers way. The mortgage servicers will find a loop hole to charge us consumers fees, they always do. Please, please help me get OFF this plan before I lose my home to this. The stress of this situation has affected my physical and mental well being, strained my personal relationships as well as the ability to do my job. I have spent hours on the phone, and writing letters, I sent a Qualified Written Request Letter to no avail. I wonder how many others is this happening to?

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 2020-04-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
I decided to get my credit pulled due to a couple of collection letters I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. 

XXXX XXXX XXXX {$270.00} XXXX XXXX XXXX {$420.00} XXXX XXXX XXXX XXXX {$390.00} XXXX  XXXX XXXX XXXX {$100.00}

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 2020-04-28 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: Experian Information Solutions Inc.
State: AR

Complaint narrative:
I decided to get my credit pulled due to a couple of collection letters I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. 

XXXX XXXX XXXX {$270.00} XXXX XXXX XXXX {$420.00} XXXX XXXX XXXX XXXX {$390.00} XXXX  XXXX XXXX XXXX {$100.00}

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 2020-04-28 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: LJ Ross Associates
State: MI

Complaint narrative:
On XX/XX/2020 I received a phone call from A manager at the LJ Ross and Associates. I was explaining to the manager on the floor that I wont be able to take care of this for awhile. The unemployment money I am receiving is going to every day necessities. I dont think she cared and wanted me to take care of the issue today. I told her to stop calling me and no more letters through the mail. Then I told her I was contacting the XXXX and she said that I could. Unfortunately the XXXX told me that this company deals with issues like LJ Ross. I also have an attorney that strictly handles harassment cases. I want this resolved before I contact my attorney

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-28 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: DISCOVER BANK
State: GA

Complaint narrative:
I was approved for a secured Discover card in XX/XX/XXXX with a security deposit of {$500.00}. I allowed Discover to draft the deposit using my routing and account number. After the probationary period, I was approved to graduate to a higher credit limit of {$2000.00} and have my {$500.00} security deposit refunded on XX/XX/XXXX. However, I did not receive the refund check. I contacted Discover in XX/XX/XXXX twice to find out where my refund check was. It was returned as undeliverable. My address has not changed. I have lived at the same address since XX/XX/XXXX. I provided them with my correct address again. I called again in mid-XX/XX/XXXX and spoke with a supervisor because I still had not received my refund check. I was told yet again that they would issue another check via US Mail, and I would have to wait 30-45 days to receive it. I called again on XX/XX/XXXX. I was advised that my check was mailed XX/XX/XXXX and that I needed to wait until another 30 days had passed before calling again. I have asked repeatedly and even offered to cover the shipping fee if they will just send it XXXX  or XXXX so I can have a tracking number. They said the only way they refund the security deposits is via check sent first class US Mail. I am seeking your assistance to receive the refund of the security deposit that I am entitled to. I am also seeking your assistance in changing this procedure because other customers are probably affected by it as well. 

Thank you

Company response to consumer: Closed with non-monetary relief