vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-06-27 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: PNC Bank N.A.
State: NY

Complaint narrative:
I took out a HELOC with PNC bank in XXXX of last year ( XXXX ) and promptly set up an automatic payment to be deducted from my external checking account. This loan has an XXXX Only period during the 'draw period ' and the automatic payment is set up to pay this interest payment. PNC initially failed to set up the automatic payment - despite XXXX attempts during which we followed their instructions to set it up - so we made manual payments and eventually in XXXX they confirmed that the auto pay is all set up. But then, they started sending me notices that my account is in default and past due, when I called they assured me the letters were sent in error and it is " all fixed now ''. They attributed the error ( which they said is affecting XXXX of their customers XXXX to a " software glitch '' in their new servicing system. despite this assurance in XXXX, they kept sending me such notices of being in default, ( despite me seeing them withdrawing my monthly payments on time from my checking account ) I spent hours on the phone with them, they kept assuring me all is good and fixed but not so! Most recently I received a XXXX from them saying that they are suspending my " credit privileges '' and I will no longer be able to draw on my line of credit. In fact, as of the time of this writing my account shows as suspended. My most recent communication with PNC was on XX/XX/XXXX with a supervisor who explained that the issue was that the payments, although timely, were erroneously being misapplied by their system and instead of covering interest the entire payment was being applied to principal thereby making it look like I was past due with my interest payment. This supervisor said it will be fixed very soon. I asked why did PNC not send any written communication to those XXXX affected customers, explaining the issue and assuring them this will not affect their credit reporting, etc ...? this supervisor said he does not know why. I asked if he can email me this assurance in writing and he said he is not sure what he is authorized to put in writing. 

At this point I do not know what to do other than turn to you. I am concerned about this eventually being XXXX reported to the credit agencies as a derogatory payment history ( I take my credit standing very seriously ) and although I don't have any immediate credit needs the point of obtaining this line of credit was to have credit available to me and now it is suspended because PNC still has not fixed their issue. I also can not keep spending hours on the phone with them trying to fix this - I don't have the time for this. I just want this fixed once and for all. I am a good customer who pays on time - PNC needs to get their act together and do their part!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-27 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: Nelnet, Inc.
State: MN

Complaint narrative:
I filed for loan forgiveness in XX/XX/XXXX through XXXX XXXX XXXX due to a total and permanent XXXX and had to jump through hoops for XXXX  years to make sure the total and permanent XXXX forgiveness went through. In XX/XX/XXXXI filed a XXXX form with my taxes after receiving a letter in the mail from XXXX XXXX stating that my {$32000.00} worth of private loans had been removed off my credit and permanent record. Mind you each year from XX/XX/XXXXthrough XX/XX/XXXXI had to send in a copy of my taxes with all of my medical records and letters stating that I was indeed totally and permanently XXXX. I also contacted the Department of Education for the state of XXXX who has also stated that the private loan for the above amount should have been permanently deleted from my credit and permanent record. I am contacting you because as of today Nelnet ( The agency that collects debt ) claims that I still owe the amount even though I sent them a copy of my tax transcripts and a copy of the letter they sent me stating that the loan had been forgiven. This has been damaging my credit and has also caused lots of stress due to their incessant phone calls telling me I owe them money. I have called them several times since XX/XX/XXXX to try and get this resolved and they simply will not resolve it unless I pay the above listed amount, which I do not owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: MS

Complaint narrative:
To whom it may concern, I applied for a modification and was approved stating that a response must be received by XX/XX/2018. I was put on a trial payment plan which is {$1000.00} for three months. I asked that after the three months would my mortgage then drop to a lower payment, and I was told no it would remain the same. I have a hardship, and I am trying to keep my house out of foreclosure, so if you can help me I would be most grateful. I am on a budget and I can't pay this amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-27 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: MS

Complaint narrative:
I notified TransUnion about inquiries on my report that I didnt authorize and they said it was nothing they could do it would have to stay XXXX years.

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 2018-06-27 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: WLCC
State: TX

Complaint narrative:
on XX/XX/2018 I sent an email to XXXX ( attached ) revoking my ACH authorization and asking them to cease and desist all phone calls to me or any number associated with my account. 

On XX/XX/2018 they sent me an email and a text message stating the payment they tried to take on XX/XX/2018 returned NSF. 

I forwarded them the email from XX/XX/2018 advising them again that I had revoked the ACH and sent a cease and desist letter. I advised them again they were not authorized to withdraw money via ACH from my account. 

Yesterday, XX/XX/2018 I received a text message stating they attempted another ACH withdraw from my account and it was returned. I also received a phone call collecting on the debt despite the cease and desist verbiage in my XX/XX/2018 email. 

I have sent several emails to them and even used the " contact us '' form on their website but they refuse to return my emails. 

They are in violation of several XXXX consumer laws and have caused me to be charged fees by them and my bank.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-06-27 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: IN

Complaint narrative:
My name is XXXX XXXX and I am a armed service veteran. My identity was stolen between XXXX and XXXX. During which time fraudulent accounts were opened in my name by XXXX and XXXX XXXX XXXX on my Equifax account. I have attempted to address the issue but have been unsuccessful. Please see the attached document from the Federal Trade Commision. I need these items removed immediately as it is negatively effecting me economically.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Alliance One, Inc.
State: NY

Complaint narrative:
They keep calling constantly to collect a debt at any time of day or night. It isn't a person it's an automated call. I'm blocking the number and I'm getting thrashed with calls anyway.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-27 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: PA

Complaint narrative:
i called Trans-union to Dispute Varies Inquires that appear to be on my Credit Report, i did advice that i appeared to be a victim of Their Inquiry issue, however the rep then denied to assist me.. 
XXXX - XX/XX/18 XXXX XXXX XX/XX/18 XXXX XXXXXX/XX/18 XXXX XX/XX/18 XXXX XXXX XX/XX/18 XXXX XXXX XX/XX/18 XXXX XX/XX/18 Also Mentioned that i have 3 medical Collections,  that have already been paid and has not been removed.. they mentioned it will take up to 60 days to be removed.. please assist 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 2018-06-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC
State: CA

Complaint narrative:
I have a mortgage with Mr. Cooper. This mortgage was sold to Mr. Cooper by XXXX XXXX XXXX during the great recession without my permission. 

There are three issues with Mr. Cooper that I currently have although I have had issues with them in the past regarding my escrow account.

Issue 1 - I contacted Mr. Cooper on XX/XX/XXXX to cancel my flood insurance thru XXXX and replace it with another policy that I had already paid for with equal if not better coverage. My flood insurance is paid thru their escrow department. I sent them a copy of the new policy with XXXX which showed paid in full. The XXXX Policy that I requested be cancelled had a renewal date of XX/XX/XXXX. They told me they had already sent a check to XXXX but would stop payment on it and replace it with the XXXX policy. I thought all was well until I received my escrow statement dated XX/XX/XXXX. After calling Mr. Cooper I found out that not only did they not stop payment on the XXXX flood insurance policy- ( verified by XXXX who never received a stop payment ) but they paid the XXXX policy also even though they had received the current policy showing paid by me. So they paid two flood insurance policies through my escrow. 
They want to continue to pay two policies and leave it up to me to figure out their mess. I did receive a refund from XXXX for the double payment but have yet to receive any credit for the cancelled XXXX policy. 
Issue 2- I have requested to have the escrow account removed from my mortgage several times with Mr. Cooper/Nationstar . The most current request was denied this month and their rep told me it was because I was 30 days late within the last year. I sent her a bank statement showing that I was in fact on time or early for at least the last 18 mos. ( and most likely for a lot longer ). She responded that her " system '' made a mistake- most likely a lie.

Issue 3- Mr. Cooper does not report my excellent payment history to the three credit bureaus which has the effect of holding me hostage to them. My mortgage is the only credit I have had so I don't show up in the bureaus and have been unable to get rid of them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-27 00:00:00
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Continental Services Group, Inc. d/b/a ConServe
State: MI

Complaint narrative:
I disputed it with the CRA, the Dept of Ed the person who reported the inaccurate amounts, and XXXX the debt collection XXXX, who reported the inaccurate amounts to the Dept of Ed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
On XX/XX/XXXX, I opened a XXXX Platinum card from American Express ( Amex ) with a welcome bonus of 60,000 Membership Rewards points after spending {$5000.00} in 90 days. I met the spending requirement within the first 50 days ( probably sooner ) after I received the card, but the bonus did not show up on my account. Therefore, I double checked with an Amex customer representative ( CR ) online and I was confirmed that the welcome bonus was attached to my account and I have met the spending requirement ( see attached screen shots ). 
A few days ago, I spoke to an Amex CR again as I still did not see the bonus being posted and I was told that I should have the points when I got my 3rd statement. However, after I received my 3rd statement, I still did not received the 60,000-points bonus. Thus, I called an Amex CR again about the same question, and then I was given a totally different story, saying that I was not qualified for the bonus because I had a similar product before. The product being referred to is Platinum card but not XXXX XXXX card. In addition, when I applied for the card I did not get the information and most importantly I confirmed with the representative that I had the welcome bonus and I would get the bonus. 

In short, 1 ) the spending requirement has been met within the required period ; 2 ) Amex confirmed me previously that I would received the bonus ; 3 ) Amex denied the bonus later when I called back.

I think this is very unfair to me. If Amex does not want to give me the bonus, they should inform me earlier or when I applied for the card or at least when I asked to confirm if I would get the bonus or not. This is a high-end product from Amex and the service is simply under my expectation. The whole experience is not what I'd expect from American Express.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Cogent Road, Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX for mortgage related services XX/XX/XXXX I Called XXXX at XXXX Spoke to XXXX XXXX. I asked to speak to someone in their compliance department. He said before he did that he needed to know what the situation was regarding so he knows which part of compliance to send me to. 
I told him that privacy had been violated by the fax they sent with our full SSN. He said their process allows for information to be pulled exactly as it is shown on the credit report SSN and all. I told him that was a violation of my privacy as a fax was floating around my place of employment with private fully exposed. He said they did that to make sure information was getting pulled on the correct person and not mixed up with someone elses with a similar name. 
He asked for my name, which I gave him so he can look-up my file, I was on hold for maybe 4 minutes and he came back on the line to verify my address was XXXX XXXX XXXX. I agreed. 
I asked to speak to a compliance officer, he said that they will not even speak to me if I do not write a letter first, I asked for a name of someone and he refused. He asked me to email XXXX and provide them with my file number which is XXXX and mentioned a date of XX/XX/XXXX. He goes on to tell me if I wanted to dispute the credit inquiry to mention that in my letter. I told him I was not calling to dispute the credit inquiry, simply to advise someone of the violation and to speak to someone about what their policies were regarding Consumer Privacy, again he refused to disclose a name or provide me with the policy. 
One more time, I asked what their policy was regarding consumer privacy, he said there was not one. 
I then asked for his last name, and he said it was just the letter XXXX. 
Disclosing full SSNs and full account numbers is a violation of the Federal Trade Commissions ( FTC ) Consumer Protection Law. Once the FTC is made aware, the Commission may seek a court order requiring compliance. In addition, the Commission may commence suit in Federal https : //www.ftc.gov/about-ftc/what-we-do/enforcement-authority The Gramm-Leach-Bliley Act requires institutions to explain their information sharing practices to consumers and safeguard sensitive date That Act was also violated. 
The Right to Financial Privacy Act of 1978 ( RFPA ; codified at 12 U.S.C. ch. 35, 3401 et seq. ) is a United States federal law, Title XI of the Financial Institutions Regulatory and Interest Rate Control Act of 1978, that gives the customers of financial institutions the right to some level of privacy from government searches.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-27 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: PA

Complaint narrative:
i called XXXX to Dispute Varies Inquires that appear to be on my Credit Report, i did advice that i appeared to be a victim of Their Inquiry issue, however the rep then denied to assist me.. 
XXXX - XX/XX/18 XXXX XXXX XX/XX/18 XXXX XXXX XX/XX/18 XXXX XX/XX/18 XXXX XXXX XX/XX/18 XXXX XXXX  XX/XX/18 XXXX XX/XX/18 Also Mentioned that i have XXXX XXXX XXXX, that have already been paid and has not been removed.. they mentioned it will take up to XXXX days to be removed.. please assist me

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-27 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Riverwalk Financial Corporation
State: NV

Complaint narrative:
My credit report just showed I owe XXXX XXXX XXXX. I disputed it on my credit report but XXXX says it's a real debt. I have never heard of XXXX and have never received any mail, emails or phone calls telling me why I owe that amount to anyone. I am rebuilding my credit and this is a setback. I have never signed any contracts or aware of anything to do with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-27 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 — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
my card was never received in the mail and was charged over 29000k in fraud and my phone was fraud ported over and this account i applied for was used, capital one claims zero fraud liability and there holding me accountable for these charges, i filed a police report and i filed a complaint with ic3.gov there violating my rights under the fcra and the fcba, i asked for the merchant responses and the signatures to verify those are mind since there claiming there mind they have refused to do that i spoke to XXXX and XXXX and there telling me thats not my right

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: EVERBANK, NATIONAL ASSOCIATION
State: AL

Complaint narrative:
I logged in to my online banking with TIAA Bank today and noticed that my XXXX XXXX checking account was closed. The account had been open for about a month. No reason was given by the bank as to why the account was closed by the bank. I asked the bank why the account was closed and received no response, so I am still unsure of the reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-27 00:00:00
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: First Student Services
State: MI

Complaint narrative:
I disputed it with the CRA, the Dept of Ed the person who reported the inaccurate amounts, and XXXX the debt collection contractor, who reported the inaccurate amounts to the Dept of Ed.

Company response to consumer: Untimely response
Consumer complaint received 2018-06-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I contacted the CFPB in regards to XXXX claim earlier and the claim was closed out. 
There are a total of XXXX claims : XXXX, XXXX, and XXXX. There was a total amount of XXXX {$1300.00}. 
Wells Fargos policy is that if the claim is processed within XXXX days of the first fraudulent transaction then provisional credit will be issued. I have only been issued of {$390.00}. 
This is completely unfair and unprofessional all together. 
On top of the fact that my claims were merged together and Wells Fargo never notified me of this which is supposed to be within their policy to do so. XXXX claim XXXX merged together with XXXX on XX/XX/12. 

I have attempted to speak to XXXX and the office of the president for escalations but i continue to get the run around. This is very frustrating and I cant get any help from Wells Fargo.

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 2018-06-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: CA

Complaint narrative:
My name is XXXX XXXX and my wife XXXX and I have an account with Specialized Loan Servicing for our townhouse in XXXXXXXX XXXX XXXX. I have been paying our mortgage on time diligently for the past XXXX or XXXX   years with SLS and never had a notice or complaint from them until recently. SLS sent me an option to choose to receive paper bills and I opted for it this XX/XX/2018. I got a notice from SLS this month XX/XX/2018 that I have an outstanding late unpaid balance of {$1500.00}. I was shocked to get this notice and so I called them on the phone but was not given a clear answer as to where this unpaid balance came to be. I called XXXX or XXXX   times and I was given different answers each time. I requested for a supervisor and they told me that a supervisor will call me back and explain to me what the problem is. But no supervisor has ever called me back. Twice I requested for a supervisor call back and did not received any call back. I am willing to pay this amount if SLS can explain to me in writing where this unpaid balance came to be. My concern is if I pay this blindly then how do I know that I will not get another notice from SLS about another made up unpaid balance in my account. Please help us resolve this problem with Specialized Loan Servicing.

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