vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: FCI Lender Services Inc.
State: OH

Complaint narrative:
The company refused to take my payment by phone and wouldn't help with problem on web site Raise my forbearance payment with out telling me and my statement shows no rise in payment. 
Refuses to send any paperwork to 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 2021-04-24 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
Navient has unfair business practices for my private student loan and violates regulation z, p, unfair practices etc. 

they have never provided a payment schedule to me, leaving uninformed how I continue to pay money and my loan never resolves. 

they don't provide any tax documents, how interest is capitalized, how extra payments don't all go towards principle and end up paying interest and principle even if in excess I've been on public assistance for basically the life of the loan and my cosigner is also disabled getting permanent XXXX. 

I've provided over 8 applications for cosigner release in the past year and they have no responded to any of my applications with how to submit whatever random evidence they need or require.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: WA

Complaint narrative:
On XX/XX/2021, my mortgage was transferred ( sold ) to Nationstar dba Mr. Cooper. On Saturday, XX/XX/2021, the new mortgage servicer ( Nationstar dba Mr. Cooper ) withdrew {$12000.00} from my primary checking account without authorization. According to my bank ( XXXX XXXX ), this is a widespread problem affecting lots of Nationstar Mr. Cooper account holders. Unfortunately for me, thanks to Nationstar Mr. Cooper, I now have a negative balance in my checking account of over $ XXXX that I have to deal with. I'm reasonably sure that there are laws that don't allow debt holders to withdraw funds without authorization, which is exactly what happened here. Please note that I am current on my mortgage in all respects : No late payments ( ever ). Plenty of funds in the mortgage escrow account, etc. All taxes and insurance premiums are paid up, etc. No other liens are on the property. My standard monthly payment is just under {$1900.00}. So needless to say an unauthorized and unexpected withdrawal of {$12000.00} from me to Mr. Cooper warrants a complaint and an investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-24 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I, Consumer XXXX d/b/a XXXX XXXX XXXX, entered into a consumer credit transaction with Bank of America, N.A. on XX/XX/2021. Pursuant to my initial complaint on XX/XX/2021, my federally protected consumer rights continue to be violated by this financial institution. Even after sending a cease and desist that was received on XX/XX/2021 by Bank of America, N.A., my rights pursuant to 15 USC 1692c. ( a ) ( 3 ), 15 USC 1692c. ( a ) ( 1 ), and 15 USC 1692d. ( 5 ) continue to be violated. My phone continues to ring at my place of employment and at inconvenient times with the intent to harass and annoy me even after receiving my cease and desist as labeled in Exhibit G.

Also instead of validating the debt as I requested, I received threatening letters as shown in Exhibit I from Bank of America, N.A. that demand I make payments to an alleged debt that they can not even validate exist with the intent to coerce me into making payments. If I do not make payments threatened to exercise remedy that is allegedly available to them via a fraudulent contract. This is a violation of my federally protected consumer rights pursuant to 15 USC 1692e. ( 5 ). Within the letters were the same profane language that I addressed in my initial correspondence which is a violation pursuant to 15 USC 1692d. ( 2 ). This letter was constructed to give me the false belief that I, the original creditor, owe an alleged debt in which I am not participating in collecting a debt from myself and is a violation pursuant to 15 USC 1692j. ( a ).

I have proof as shown in Exhibit H that Bank of America, N.A. violated by federally protected consumer rights pursuant to 15 USC 1692d. ( 1 ), 15 USC 1681a. ( d ) ( 2 ) ( A ) ( i ), and 15 USC 1681a. ( d ) ( 2 ) ( B ) in which Bank of America, N.A. damaged my reputation by reporting false balances and reporting a consumer credit transaction that involved the use of my credit card to XXXX that should have been excluded from my consumer credit report.

In addition to these repeated violations, I have yet to receive any validation of the debt and the invoice was not paid on time. I sent a follow up invoice with late fees as well as additional charges for repeated violations of my federally protected consumer rights.

I have provided the attachments from the initial complaint as well as the new Exhibits, return and certified receipts, Affidavit of Truths pertaining to the FCRA and FDCPA, and an updated invoice that reflects late fees and additional charges for repeated violations. Attached is also Notice of Default and Opportunity to Cure.

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 2021-04-24 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: Flagstar Bank, N.A.
State: FL

Complaint narrative:
I am trying to sell my property in short sale and prevent foreclosure, but it does not appear who is the holder of the HELOC. 
After reviewing my documents, I called the lender that originated the HELOC, Flagstar, and told us that it was transferred to XXXX XXXX XXXX XXXX on XX/XX/XXXX. 
The lawyer who is working the short sale, checked the public records to find the recorded assignment, but couldn't find it They called XXXX and they couldn't find the HELOC with my social security, then the lawyer contracted XXXX and Flagstar has given them the XXXX account number. 
I called XXXX on Friday XX/XX/XXXX, but they no longer have loan information. XXXX representative suggest that I check XXXX. No information found it. 
Please help 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 2021-04-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
During the past five years I had been harassed by USDE on whose falsely made claims to IRS on overcharges on paid off student loans I had, also IRS were taking my tax return to paid unpaid business taxes reported to them as independent contractor under my legal name XXXX XXXX XXXX, I also filed complains because Transunion credit bureau fraudulently allowed XXXX XXXX from California misrepresenting and accessing my credit file and placed her fraudulent loan as add on in connection with an existing record of my student to cover up her fraud in order to fulfill her economic crimes and XXXX. 
Attached find the reason why only TransUnion credit bureau had outstanding debts reported on my credit file and others credit bureau had XXXX balance and reported my student loan paid off, and had gone nothing to clear it, just TransUnion! 
As mentioned before I had security freeze on my credit file since 2010, I recently logged into my credit file to change my password, and noticed that my logging were linked to the spy location address XXXX XXXX in California and PA, not my location I live in XXXX, Florida, I had never been in PA neither in California, also I noticed they were also registered as business inquire and linked to a business name XXXX XXXX XXXX, which is my real legal name, birth name, and accessed my file without having my password neither my pin, which mean to me they are being using my personal logged in to get my credit file in connection with their business, to cover business entity and XXXX XXXX in California, which is a fraud and identity theft FS, XXXX therefore it means to me that XXXX XXXX has an insider helping her with her fraudulent and abuse economic crimes, his name is XXXX XXXX who is nothing less than a senior Manager of TransUnion credit agency. The address listed on the business inquire as my location is XXXX XXXX residence address located at XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, CA XXXX, and he phone listed on the business inquires are also TransUnion credit bureau phones XXXX, XXXX, XXXX, see attached evidences and proof Now you have everything to made an arrest, forward complain to the FBI and arrest this is the XXXX XXXX XXXX in TransUnion using my name as business, and committing fraud, placing loans under my social security, the domestic XXXX is covering their operation using with citizen existing loan to add on their own loans which in my opinion could be loan for financing domestic XXXX and they are using good citizens with good credit record. I am sure the US department of education has another XXXX XXXX working on their domestic XXXX operation covering up their operations

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 2021-04-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: TX

Complaint narrative:
Step 2 : What type of problem are you having? 

XXXX bank notification this morning upon waking up for a transaction. When we check the XXXX account Mr. Cooper took at two different times of the mortgage amount from our bank that made us negative balance. Of Note, we already paid mortgage bill for this month of XXXX XXXX. 



Step 3 : What happened? 

Me Cooper took an authorized mortgage payment from our XXXX bank account in two different instances of the said amount totaling {$4000.00}. 

Immediately husband called XXXX bank to notify them of the fraudulent charges, and me on the other hand called Mr. Copper ) XXXX, Texas ) and only to find out after 5mins waiting the call will just drop for no reason and says the operator you are trying to reach is unavailable right now. I did these two more times. It still the same thong, it drops the call after 5min of waiting. 

Check XXXX if Mr. Cooper is on XXXX, this found out on thwir post literally was just posted 26 min ago. saying the they were apologizing of those people who got impacted of the issue. The XXXX wont is a whole lot of money for a family of 5. 

On XXXX thread some of the customers were charge seven more times of their mortgage. This is unacceptable, we have a life to take care as well and this happened. 

Step 4 : What company is this complaint about?

Mr. Cooper mortgage company Step 5 : Who are you submitting this complaint for? 

I am the complainant.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-24 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have been disputing these items on my credit report with Experian, XXXX and XXXX since XX/XX/2020 and not once has they ever ever responded to any of my dispute request and this is unacceptable. They can not continue to blame COVID-19 for the reason why they are not taking care of any dispute requests. I demand that these items be deleted from my credit report and a new updated credit report sent to me within 15 days ... It does not take over 6 months to hear back from these credit bureaus.. This is not normal nor is it acceptable. Your attention to this matter is greatly appreciative. 

Thank You,

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 2021-04-24 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: SC

Complaint narrative:
On XX/XX/2021 I awoke to multiple e-mails from XXXX XXXX stating that my checking account had been over drafted by {$15000.00}. The account had a balance of {$410.00}. Upon inspecting my online account I recognized the seven unapproved charges as my mortgage lender, Mr. Cooper. I immediately went to my local XXXX XXXX branch where XXXX XXXX assisted me by calling the XXXX disputes line. After an hour of waiting - I was able to speak with a member of the XXXX disputes team who communicated that this was a chronic issue with XXXX and Mr. Cooper and that many clients had been impacted the mix-up .... if one can even call it that! XXXX communicated at that time - it was a Mr. Cooper issue and there was nothing they could do at this time. 

After visiting the branch I proceeded to call XXXX XXXX to file a complaint and dispute the charges. Again after waiting 40 mins I was finally able to speak with a member of their team who again communicated the multiple withdrawals were an issue on Mr. Cooper 's end but XXXX would dispute the charges. I am concerned as to where the consumer is protected here. Moreso why did XXXX not place a hold or block these transactions before I was charged seven times for {$2200.00}. I have been a client for XXXX XXXX for numerous years and now feel I was not protected properly due to the fact that it is evident these funds did not exist in the account. 

Further I have phone, messaged and filed a ticket with Mr. Cooper multiple times and have not had response on contact with anyone from the company. This all began around XXXX XXXX on XX/XX/2021 and Mr. Coopers on response has been a XXXX message on the same day at XXXX eastern time. They are unreachable. No one will answer a phone. No one will respond to help tickets. No one will respond to XXXX messages. 

I do not have automatic payments set up for Mr. Cooper for this very reason. I pay my account on time and monthly and have never been past due. Based on social media it seems many other people were impacted by this mistake. Most likely thousands if not millions of dollars was withdrawn from accounts without consumer consent. This should not be allowed. The public should be protected by big bank and lender errors or miscommunication. We should be not held responsible for this! 

Further, {$1000.00} is a lot of money for me let alone {$15000.00}. The shock of awaking to a loss of {$15000.00} which I did not even have and withdrawn without my consent is discomforting, unsettling, and stress inducing at any time, but especially in the midst of a global pandemic. 

I would like to lodge a formal complaint against Mr. Cooper for the above.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I want to dispute the innacurrancy of the fraudulent bankrupcy on my credit file and experian won't dispute the item appearing this message : US BANKRUPTCY COURT PUER Other reason Submission Failedfailed icon You have previously disputed this item. We are not required to process a duplicative dispute. If you have new or different information relevant to your dispute, you can upload the documentation here. If the information is relevant, then a new dispute will be opened. You can also contact us at XXXX or contact the data furnisher of this information regarding your dispute. 

I have another innacurrancy on the account XXXX  with the same message : You have previously disputed this item. We are not required to process a duplicative dispute. If you have new or different information relevant to your dispute, you can upload the documentation here. If the information is relevant, then a new dispute will be opened. You can also contact us at XXXX or contact the data furnisher of this information regarding your dispute. This account have 30 days on XX/XX/2020 and on XX/XX/2020. I want this innacurrancy removed immetialy from my credit file.

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 2021-04-24 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: MD

Complaint narrative:
Cavalry SPV Debt : XXXX The company has served me with papers and issuing me. I did not acquire the debt of that company. 
The date of the charge off according to them is XX/XX/2019. 

I found out about the lawsuit through the mail by another lawyer. I checked the court and was advised that they could not give me information. They only gave me a number and the company name and advised me that I should just pay them. Sound like they were working for them. I served papers a couple months later.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: NY

Complaint narrative:
Please be advised that I made my XXXX mortgage payment to my lender on XXXX @ XXXX XXXX ( see enclosed ) and as per the mortgage company - they posted the payment on the following Monday which made the payment late. 

I am in the middle of applying for a refinance and was about to close on the loan when they ran a last minute credit report and this appeared. 

I have called and spoken with several people and I was advised that they can not issue a statement to me in writing that the payment was receive on time and they have failed to advise that they will update the credit report. 

The loan, which I am authorized to speak on is in my ex husbands name and I am refinancing to take him off the loan. 

I emailed a higher up in the company ( see enclosed ) and I am waiting for a reply but I was additionally advised to submit a complaint to you from my attorney. 

I need this resolved ASAP

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 2021-04-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
hi, as we all known SBA was depositing loan and grants in sole propietor account, and i was one of them.Few moths before i got PPP LOANS, EIDL LOANS & GRANTS from them. and i didnt had business account as i drive XXXX AND XXXX and we are not required to have BUSINESS ACCOUNT & EIN NUMBER we can use our social security number. I am driving since 4 years with them. All of a sudden on XX/XX/2021 early morning my chase account is closed for some reason after trying to reach customer service they said it was due to the reason my account was not business account for sba to deposit the funds so please drop your 1099 and 1040 schedule c in nearest branch. After doing it right away now they want me to have EIN number so the can release my funds. I tried my level best to explain the the requirements by XXXX AND XXXX & IRS that drivers dont need to have EIN number. Chase said they gon na hold funds from my bank for 3 weeks which includes my saving account & my wife joint account she is frontline worker and her salary too gets deposited there. Now we dont have money in hand to Pay rent next week and no other source of money. I requested them and explained the best possible way i can but no humanity in them. and they want me to wait for 4 weeks to get my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-24 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: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
XXXX XXXX XXXX : XXXX The company has served me with papers and issuing me. I did not acquire the debt of that company. 
The date of the charge off according to them is XX/XX/2019. 

I found out about the lawsuit through the mail by another lawyer. I checked the court and was advised that they could not give me information. They only gave me a number and the company name and advised me that I should just pay them. Sound like they were working for them. I served papers a couple months later.

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 2021-04-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BBVA FINANCIAL CORPORATION
State: CA

Complaint narrative:
I am a customer with Simple Bank, they are transitioning to XXXX on XX/XX/XXXX On XX/XX/2021 they ( Simple ) withdrew {$8600.00} from my account. Without my knowledge or consent. I only found out when I used my card in the supermarket and it did not work. 
They left me with {$10.00} in my account to buy food and gas. 

After daily calls and messages to customer service, I eventually found out they were doing an investigation into my account. They could not give me a reason why as to why. 

Then a few days later I got a message they were closing my account, they only said this is confidential and all funds are frozen, until my account is closed and then they would send me a check for the funds in my account. No mention of the previous money they withdrew. 

After more calls and messages, they still can not confirm that what is happening. 

So as it stands now, on XX/XX/XXXX I have {$460.00} in account, which they acknowledge will be returned {$8600.00} withdrew and they can not confirm its return Surely this can not be Legal? 
I`m absolutely disgusted with their behavior over this. 
I can't get a straight answer from them for anything they have done. 
Customer Service even hung up on me! 
Its caused me a lot of stress and anxiety, Ive had to borrow money from family to get by Its NOT right and it needs to be reported and they need to be held accountable for their actions

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-24 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: FL

Complaint narrative:
I received a copy of my credit report and noticed fraudulent activities. this is stopping me from obtaining 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 non-monetary relief