vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-12-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: CrossCountry Mortgage LLC
State: MN

Complaint narrative:
I applied to refinance a loan through XXXX XXXX on or around XX/XX/2018 and I write this complaint today XX/XX/2018 over four months after my initial application to obtain a mortgage on an investment property that I own. Throughout this process. I have always had credit scores in the high 700 's to low 800 's. The LTV on  the subject property would be 70 % or less ( meaning I have plenty of equity ). Their appraisal was sent to me on XX/XX/XXXX which would support my statement. I have provided documentation that I have more than enough funds as reserves. I am employed as an XXXX XXXX XXXX XXXX XXXX of over 8 years and have provided documentation. They have been able to verify this. Throughout the process, their underwriters had many requests for me, I was able to provide documentation which satisfied their requests. After doing this, their underwriter 's requests would change and they would ask for more documentation which I provided which should have satisfied their requests. They would even verify that the documentation I provided satisfied their requests. Some of their underwriter 's requests seemed insignificant ( why did you only declare a {$1100.00} repair expense on an investment property you own when you provided receipts that show {$1400.00} in expenses. I explained that I gave the wrong amount to my accountant ) and even after I was able to prove everything out, their underwriters still say that the condition has not been cleared. Every time I satisfied their underwriter 's requests, they would then bring up new conditions or old conditions that were satisfied earlier. My DTE was under 50 % which they stated was their requirement. As time went by, they even raised my interest rate and I had to point it out before they would address it. There is no logical explanation on why we have not been able to close yet. Their own mortgage lender agrees with me that he can't really explain why over four months after I started the process with them that we are not closed yet.

I am a XXXX XXXX XXXX so I understand the process. In the 12 years, I have been an XXXX ( almost 9 as a XXXX XXXX ). I can legitimately argue this is the worst situation I have seen. I have documents to support all of my statements above. While I can not fully verify that discrimination had anything to do with my loan, I can confidently state that I am qualified based on the criteria I was given and that I have been given the run around for the last four months.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-14 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Financial Accounts Service Team Inc.
State: TN

Complaint narrative:
For this entire month so far, Financial Accounts Service Team of XXXX XXXX XXXX In XXXX, TN, XXXX, has been calling me. I searched the number and company, and found that there have been 10 complaints filed against them with the XXXX XXXX XXXX, 7 of which have been in the last 12 months. I am not sure at this point if they re actually am legitimate business or a scam. So I proceeded with caution when I returned the first call. The person who answered asked if I was the person they were trying to reach. I refused to say yes or no because I thought they might be trying to get me to do so in order to record it and use it, and I told her so. So we got no farther. I told her to stop calling the number or I would report them to the Federal Trade Commission, which I have done. Her response? " That doesn't work on debt collectors, ma'am. '' I have continued to receive calls from them despite telling them not to call me anymore. They continue to use the telephone service to harass me. The most recent call was on XX/XX/18 from XXXX, who gave her extension as XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-14 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: CA

Complaint narrative:
I had a good standing checking account and a credit card at Wells Fargo. I was a victim of fraud. Someone deposited a fraudulent check through an atm and cashed out on XXXX dollars, as soon as I bacame aware I contacted Wells Fargo to notify them of the fraud that took place in my account. I also paid the overdraft caused by this intruder. I called Wells Fargo multiple times to tell them to help me. All of a sudden I found that they closed my checking account and froze my credit card. They ruined my credit. I trusted them and they treated me as a thief. I was a victim. I want to file a class action law suit there may be many more victims out there. I went to the bank several times to try to fix this. All they told me is that it was bank decision to close the account.

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 2018-12-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I disputed this account with this company I inform them to send me debt validation, upon receiving the requested paperwork I noticed a address that was used to open this account I have never been associated with or have I ever lived at the address or even the state of Louisiana.I havent got any resolution On this matter even after filing a report for identity theft and placing a 7 year fraud alert on my credit files.

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 2018-12-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
They committed fraud and raised my escrow amount fraudulently

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: IN

Complaint narrative:
I contacted 3 individuals at Pannymac today. XX/XX/2018 - 2 Customer service agents and a Team Leader. 

My request was simple. To get a mortgage property tax exception in the state of Indiana you must file that a mortgage exist with the county recorder. Pennymac claims that they do not file mortgages with the county. They only pay taxes on the mortgage through 'XXXX  '. Without this filing I can not get a Mortgage exception property tax reduction in the state of Indiana.

Funny thing - the county recorder ( I talked with them 3 times ) said that if there is no mortgage filed - I can sell the house and the title company will find NO MORTGAGE on the house. Thus - I can keep every cent. 

Further - all they emphasize is that they are also a loan collector and anything you say can be used to collect monies. 


Funny thing. When you look up their executives on XXXX all of their contact are locked so you can't send messages. This should be a HUGE WARNING of what they think of customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: FL

Complaint narrative:
XX/XX/XXXX my home was in hurricane Michael. After my insurance company came out they deemed my home a total loss. I received my checks from my insurance company y and overnighted them to payoff my 1st and 2nd mortgage with Ditech Financial. They received my checks on XX/XX/XXXX. I was informed by the company that they hold the checks for 10 to 16 business days! I am trying to close on a new home on XX/XX/XXXX. And I have called Ditech several times to see what is the hold up on paying off my loans. 

I have called Ditech and talked to 3 different managers in the claims department, and today XX/XX/XXXX. I was told that they put my checks to the " front of the line '' and when the payoff department gets them, it can take 3-6 business days to process them! I explained to them in great detail that they are delaying me to get my closing on my new home. 

Now I asked for Ditech to email me a letter stating that they have my checks since XX/XX/XXXX, and to explain to my new mortgage company, XXXX XXXX what Ditechs process to show for the FHA financing I am getting that the mortgage will be paid in full. 

I was then told that to get this letter can take several days! When does this end! Basically they are holding my checks for almost or near a month! 

I have attached the letter they wanted me to write, copies of the checks, and the XXXX XXXX  label and the acknowledgement that when Ditech received my checks

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Harmon Law Offices, P.C.
State: MA

Complaint narrative:
Harmon Law PC attorney XXXX XXXX on behalf of XXXX XXXX XXXX XXXX XXXX has published for a second time XXXX XXXX newspaper ILLEGAL foreclosure advertisement see attached ad dated XX/XX/XXXX containing wrongful/false information showing that the FDIC has standing to illegally take my home into this illegal foreclosure, much false information causing PUBLIC Deformation of Character, Slander and Banking Fraud being that it's client XXXX claims to have standing via the FDIC when in fact in addition to the counterfitted and forged documents shown in Federal court Docket # XXXX also showing XXXX XXXX on this account ( XXXX ) see attached. I am being severly abused with this Publically advertised information AUCTION AD for this ILLEGAL foreclosure..I will be seeking damages as well as sanctioning ( BBO ) of this attorney directed by this criminal client XXXX XXXX XXXX XXXX XXXX . see all attachments!! 

PUBLIC DEFORMATION OF CHARACTER AND SLANDER AS WELL AS BANKING FRAUD!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: NY

Complaint narrative:
On XX/XX/2018, Mr. Cooper was paid off, in full, upon the sale of my house by the attorney & title company. They have misapplied the payment due to their error after having first told me that they 1 ) Never received the check, despite having signed for the Overnight envelope 2 ) said that though they may have received the check, it may have not had my name / account number on it -- so they would have destroyed it 3 ) incessantly calling me at work now to say they are reporting me late and will begin foreclosure process, even though they are " researching '' this issue. 4 ) Have taken no measurable action to correct this issue which has driven my credit score to less than 600 and is impeding my ability to find other housing. 

They have now stated that they believe they credited the wrong account, but are still investigating. My attorney sent them a letter, but it does not seem to have expedited the resolution of the issue. I also believe that they attorney & title company were negligent in not confirming receipt of the payoff or processing it by wire transfer vs. a seller provided third party check. 

They are not overly concerned with assisting me in this matter, they have no sense of urgency and they have added a {$25000.00} fee to my loan balance, according to my online loan access?? They have not disclosed what that fee is for or when they will remove it due to their errors. This makes me extremely nervous. The buyer of my house will be listing the property soon to resell after upgrading the house and I am nervous that I will be sued due to lack of clear title to the house I sold. Help!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-14 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
i opened a checking account with Citibank to take advantage of a promotion that said if you open an account with {$15000.00} and leave it there for 60 days, you would get {$400.00}. i completed the requirement and was told repeatedly that i qualified for the bonus ( i am enclosing one of those confirmations in the files i am enclosing ) .now im being told since the savings acct was indication closed that i dont qualify. 
i was told numerous times that i did qualify. i feel the bank is acting in extremely bad faith. i am sending the transcript and a screenshot of my account. This is grossly misleading on the part of Citibank.

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 2018-12-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: WA

Complaint narrative:
On XX/XX/2018, I applied and was approved for the American Express Business Gold Rewards card. The terms of the application specifically stated that I would earn XXXX Membership Rewards points after I spent {$5000.00} in qualifying purchases on the card within my first 3 months of card membership. At no point during the application process was I told that I was ineligible for the XXXX points bonus. 

After I was approved, on the same day ( XX/XX/2018 ), I chatted with an Amex representative to confirm the terms of the XXXX points offer and the date by which I had to finish spending the {$5000.00} to qualify for the offer. The representative confirmed the offer and provided me the date. 

By XX/XX/2018, I had finished spending the requisite {$5000.00} but had not yet received the XXXX points. I decided to chat with American Express to ask about the status of these points. I was told by the representative that the welcome bonus offer had been removed from my account after my previous conversation on XX/XX/2018. 

At no point was I informed by American Express that this offer had been removed from my account. I was not told during the application process that I would be denied the bonus, and it was furthermore confirmed by an American Express employee on XX/XX/2018 that I had this bonus attached to the account. 

This is a complete bait and switch by American Express since I received confirmation of the bonus and then it was silently removed from my account. I would not have applied for this card, let alone spent {$5000.00} on it, had I known I would not receive the XXXX points -- this is the whole reason why I confirmed the bonus attachment on XX/XX/2018. I believe I am owed XXXX points by American Express.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-14 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: World Omni Financial Corp.
State: FL

Complaint narrative:
My credit report is showing World Omni account XXXX was past due several times in XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX.The loan was paid and never was late .The information is incorrect.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-14 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: NC

Complaint narrative:
I previously have been trying to get an issue addressed regarding identity theft on my report .... I have had several addresses and accounts that were as a result of my identity being stolen ... the addresses and some information has been removed and corrected but the accounts have not, .... i have a past ftc affidavits and I have added the additional accounts that I left out on these ftc affidavits ... I was told I did not have to have them notarized but one of them a month ago I did ... .. this information was mailed to you as early as XXXX of this year and has not been corrected ... recently you corrected some information and I am now sending the rest of the information that was missing from my first complaint regarding the accounts that are fraudulent ... I still have not been able to find out who have been using my information but so far I have been able to get all of the addresses and fake personal information removed and taken care of .... .but these accounts are still reporting that are on the FTC affidavit.

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 2018-12-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
I read about the lawsuit and I believe I was directed to get a forebearance or default before any other option

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-14 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Attempted to open a dispute online with Experian, but was told to call. I tried calling several Experian numbers, but no phone options ever gave me the chance to select dispute, & could never get with a real live person.

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 2018-12-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM

Complaint narrative:
I tried to get company to pull my son and my daughter off of my policy as neither of them live with me any longer. They refused to change my policy to reflect the new changes and advised them that I was going to cancel my policy with them and look for more affordable options for car insurance. I did cancel my policy and went to XXXX at that time and then approximately a month later they placed a debt collection on my credit report. I have disputed this on my credit report and I have not heard anything back. Any help getting this removed from my credit would be greatly appreciated. I have 100 % payment history other then this ding on my credit. Thanks for your time and attention. BTW I am currently back with XXXX XXXX because they were able to offer me a super low rate now with a new policy. If they had just donr this prior I would have never left and gone to XXXX. 

Best Regards, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-14 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: NC

Complaint narrative:
on XX/XX/XXXX Equifax took 21 points from because of XXXX XXXX XXXX now that my account is back to XXXX balance and out of collections i only received 3 points back. It's not right how they can take so much points from a person and then give them back 1-3 points after its corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
My credit report is showing XXXX XXXX account XXXX was past due several times in XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX.The loan was paid and never was late .The information is 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 2018-12-14 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: EQUIFAX, INC.
State: FL

Complaint narrative:
My credit report is showing XXXX XXXX account XXXX was past due several times in XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX.The loan was paid and never was late .The information is incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-14 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
My credit report is showing XXXX XXXX account XXXX was past due several times in XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX.The loan was paid and never was late .The information is 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 2018-12-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
My complaint is primarily with NationStar/Mr. Cooper Mortgage Servicer on my mortgage.  I was notified by new transferred mortgage servicer - XXXX  - that my loan was being transferred effective XX/XX/2018 onXX/XX/2018.  NationStar never sent a single notification of this servicing transfer.  Then I was notified by XXXX that the investor of my mortgage was changed from XXXX XXXX to XXXX XXXX effectiveXX/XX/2018.  (Notice was dated XX/XX/2018.)  NationStar NEVER notified me of any change to the investor of my loan, which preceded the  change in servicer, effective XX/XX/2018.  Additionally, NationStar NEVER notified me of an ARM adjustment which should have been sent the latter part of XX/XX/2018.  The new servicer does not have that document either.  NationStar should not be in the business of servicing loans if all they want is to buy and sell loans.  This was a tremendous inconvenience as I was in the  middle of a HARP refinance and now (after the fact)  I find XXXX XXXX "stepped away" as investor.  Presumably because the projected new servicer did not wish to work with or comply with XXXX XXXX regulations.   I will contact the FTC, CA Banking Regulator and anyone else necessary to rectify this non-compliance situation.  Thank you and look forward to a response.

Company response to consumer: Closed with explanation