vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-10-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: NC

Complaint narrative:
On or about XX/XX/XXXX, we applied for a loan with XXXX ( now XXXX XXXX ) for a second mortgage. We entered into a contract on XX/XX/XXXX for a line of credit, in the sum of up to {$100000.00}. The contract consisted of a closing on the same date and we were advised that flood insurance was not required. We are informed and believed that the bank had an erroneous Flood Determination but in fact our house was in a Special Flood Zone Area. In addition, the mortgage claims a lien on Lot XXXX, XXXX XXXX XXXX XXXX XXXX  THE CITY OF XXXX, XXXX  XXXX, NORTH CAROLINA RECORDED IN PLAT BOOK 38, PAGE 17 when in fact our lot is 133, Section 4, Cross Creek Subdivision, in Map Book 38, Page 17 and that lot 113 is clearly not in a Special Flood Zone Area. This error clearly made the bank fail to comply with the National Flood Insurance Reform Act of 1994. 
In addition and coincidentally, at approximately the same time we received notice from XXXX  XXXX XXXX that our lot was no longer in a Flood Zone and that we did not need Flood Insurance. We believe that the error regarding the lot number and because of communication between the first and second mortgage holders regarding the erroneous lot and flood insurance requirement, {$170000.00} worth of Flood Insurance expired. 
On XX/XX/XXXX, Hurricane Florence flooded our home up to the roof. The home remained under water for about a week due to the waters receding slowly and according to the DCMS Loss Verification Report by the Small Business Administration, the home is irreparable based on depth and duration of flooding. Attached is all the supporting documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-04 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I contacted the company, I reported to police department, sent in police report with report number, call credit bureaus and the credit bureaus continue to report it on my report. I received a letter from XXXX credit company stating they could not put a a block on my report. The account was fraud and I would like for someone to assist me with this. My information was stolen along with banking information. I mailed copies of all necessary paperwork to all bureaus. Macy 's and XXXX accounts were open.

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 2019-10-04 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: CA

Complaint narrative:
I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-04 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA
State: GA

Complaint narrative:
We began a lease with Kia Motor Finance with a first payment date of XX/XX/2019.  Several days earlier we made our first payment and set the account up on auto withdrawal from our checking account thinking the first auto withdrawal would be XX/XX/19 because we had already made the XX/XX/XXXX payment. On XX/XX/XXXX, an additional {$470.00} was taken out of the account. 
I called customer service on XX/XX/XXXX and asked that the {$470.00} be refunded to me. I was advised that it would take approximately two weeks. When I did not receive the refund I called back on XX/XX/XXXX and was told that the check had just been cut and should arrive at my house at the end of the week. 
On Friday, XX/XX/XXXX I again called and spoke with a supervisor who advised me that the check had not been sent yet and that the right course of action was to stop payment and have it applied to my XX/XX/XXXX payment. I was told this would take 2-3 days to complete. 
On Monday XX/XX/XXXX, I called again and spoke to a supervisor that advised me that the notes showed the request had been sent and that by the time my payment was due on XX/XX/XXXX, I should see a credit on the account. 
On FridayXX/XX/XXXX I called back and was told that I had been lied to previously and that it takes 16 business days to have the payment stopped and applied to the account. My payment will be counted as late on XX/XX/XXXX and I will be assessed a fee. 
I have lost all confidence that anyone there can handle this request and feel as though I have been lied to in multiple occasions. Their internal systems prohibit any person to person contact between the customer service department and the payment processing department, so no individual human being can physically call someone to expedite the request. They simply submit and email to the payment department and hope and wait that someone handles it. Clearly they are not handling it.

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 2019-10-04 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: PA

Complaint narrative:
Transunion is still reporting a negative account on my credit file that the company has agreed to delete XXXX XXXX XXXX XXXX letter is attached from the company saying it will be deleted

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 2019-10-04 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 would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.

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 2019-10-04 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: EQUIFAX, INC.
State: NE

Complaint narrative:
RE : XXXX Hello, I worked with you guys to get XXXX XXXX XXXX to follow the law under the Fair Credit Reporting Act as they stood in direct violation of them and continued to report information that was fraudulent to the bureaus despite being sent 2 police reports, FTC ID Theft Report, and mountains of paperwork. Their employees we incredibly hostile and rude all throughout and I always ended up hung up, with no callback, after a total talk time of about 15 minutes with the remaining hours stuck on hold, transferred around or " reverified. '' Target has done everything in its power to make this process a literal living nightmare that never ends. Eventually, I had had enough- and thank god for the CFPB, you stepped in and shortly after I received a letter from targets " Fraud General '' apologizing and ensuring all had been corrected and all drugstores removed with credit line restored. 

I waited about a month and a half and still of the bureaus were showing incorrect info I attempted to call the number on the Fraud Generals letter and it just directed me to the main consumer line where the nightmare started all over. after a month of calling every day.. they FINALLY agreed to update it after numerous lies like " payment history is controlled by a computer system and there is no way for us to edit it, and NO you can't speak to a supervisor- then hang up, or " It's illegal for us to change that even though we know its incorrect. I have asked the bureau to check on THREE times and they all keep coming back with creditor verified the information to be accurate- no change. 

I received a letter today, XX/XX/2019 stating that as of XX/XX/2019 target AGAIN reported to them that the information they are giving is right and I am lying. I even sent Equifax all of the supporting documentation including the note from the CFPB and XXXX fraud general. The dispute denial I received today basically says they don ' care and it will remain. It is very negatively affecting my family to move out of very horrible living conditions and is preventing me from securing any more credit the start-up business I am running. I don't know how or why they can so blazingly ignore the law- please help. 

Thank You Very Much.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I recently received three {$35.00} overdraft fees from Bank of America on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. There were also several others in the past of which BOA had waived due to some extenuating circumstances of mine. However, when I last contacted Bank of America on XXXX about the aforementioned fees I was suddenly told I had a reached my so called " limit '' of which I was never informed of even having. 

When I tried to explain this to the rep she said that she " had never seen so many fees waived '', and that she wasn't going to help me anymore. That comment was extremely unprofessional and unnecessary, a simple, " sorry I am unable to assist you '', would have sufficed. I then asked if they could just credit my requested fees and then implement the limit, so that I was aware of the policy going forward, but she still refused. When I asked about this so called policy I was told their actually was none but it was rather based on a " situational '' basis and that my situation just didn't qualify. She then proceeded to tell me that it must have been an " error '' and that they never should have credited my account so much. 

Bank of America did not disclose this so called overdraft fee " limit '' policy and is now forcing me to pay for these fees. This is predatory practice at its best and in contrast to other responsible institutions such as XXXX who ethically inform you of an annual limit so that you understand their policy. Anybody would understandably be conditioned to this seemingly unlimited credit policy and would understandably be frustrated when they were suddenly cut off and forced to pay for them. 

However, Bank of America will bait you until thinking that you can have their fees waived at any time to due any extenuating circumstance, but will then suddenly decide to not to based on some unknown policy they refuse to disclose.

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 2019-10-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: FL

Complaint narrative:
XXXX XX/XX/XXXX I tried to start an online payment setup with Specialized Loan Servicing. I had been paying my mortgage through my bank 's online check payment service. I was unable to get set up. 

I received a notice that my payments were behind but I had been making payments all along. I attempted to speak to someone about this and was told they didn't show any of my payments in their system. I contacted my bank ( XXXX ) and they showed all the payments had been made and processed ( monies withdrawn ). 

During this process I realized I had missed one payment in XXXX of XXXX but all other payments had been paid. They indicated I had missed 7 payments but my banking shows otherwise. I tried multiple times to speak with someone and was bullied and yelled at. My XXXX and XXXX payments have been returned to my bank account. I find that odd that they didn't receive payments but could return payments made electronically in the same way the other payments were made! 

We have faxed and emailed two separate times proof of the payments made. I received a notification afterward that I needed to pay over {$5000.00} to get my account caught up. 

They have not done anything to adjust the account to show payments I can prove. They just continue to bully me when I call in. 

I am making 3 payments - the one missed in XXXX and the two that were returned for XXXX and XXXX. I am at a loss as to what to do next. They only threaten foreclosure. I don't wish that to happen and have made every effort to work this out through normal channels.

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 2019-10-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: TD BANK US HOLDING COMPANY
State: TX

Complaint narrative:
I contacted the company, I reported to police department, sent in police report with report number, call credit bureaus and the credit bureaus continue to report it on my report. I received a letter from XXXX  credit company stating they could not put a a block on my report. The account was fraud and I would like for someone to assist me with this. My information was stolen along with banking information. I mailed copies of all necessary paperwork to all bureaus. XXXX XXXX and Northstrom accounts were open.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-04 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
To Whom it May Concern : I am filing a complaint with you about PHH Mortgage company. Our mortgage was sold to them about 4 months ago from XXXX XXXX. 
We decided to refinance with our local credit union with whom we do all our banking. We closed the new loan and paid the balance of loan with PHH Mortgage off on XX/XX/XXXX. After the loan was paid in full we were informed there was a balance of over {$700.00} in our escrow account that would be returned to us by PHH. As of today, XX/XX/XXXX, we have not received our payment. I have contacted them by phone at least 5 times asking them what was the delay in receiving our payment. I was told the check was issued on XX/XX/XXXX. 20 days after our closing. So, as of today it is nearly two weeks since the check was, supposedly, issued and we have not received it. I have informed several people at the company, in my many phone calls, that if my mortagage payment was as late as the check they are supposed to be sending us, they would have charged me a huge late fee of XXXX to XXXX dollars. It should also be noted that every person I talked to was obviously someone from out of the country due to their strong accents. So not only is the this company holding on to my monye they are also outsourcing our jobs. This behavior is outrageous and something should be done to prevent these financail institutions from taking advantage of consumers. As it says in the song " the rich get rich and the poor get children ''

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
Hello, I would like to request assistance in overdraft fees in my account ending in XXXX. I contacted the bank to see if the fees could be waived. I attempted to transfer the funds using my cell phone using my phone. I was not aware that there was a issue and the funds were not transferred from XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-10-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I am a customer of Chase bank. On XX/XX/XXXX I entered the bank branch located at XXXX XXXX XXXX XXXX illinois. Approx XXXX I conducted my transactions on the inside of the bank. I utilized the inner lobby ATM. I attempted to withdraw {$600.00}. My money was not dispensed. I immediately notified the bank staff. Initially I was told by the banker my money would be credited back to my account because the ATM would recognize that it failed to dispense the money. 
However the money was deducted from my account. The money was not dispensed Chase bank has failed to credit my account accordingly.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-10-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I had filed a complaint against Bank of America. Part of the resolution of that complaint was they agreed and stated in a letter to me dated XX/XX/19 that I was not being reported ( derogatory ) to both XXXX, XXXX and XXXX XXXX XXXX , XXXX. On XXXX, I attempted to set up a checking and savings account at XXXX XXXX XXXX in XXXX, FL. XXXX XXXX XXXX refused to approve these accounts because of derogatory information being reported about me with XXXX and XXXX XXXX. I asked Bank of America to confirm that the information in that XX/XX/19 letter is accurate and they refused to help in any way possible. Neither XXXX or XXXX XXXX will provide any information. They said they are sending a report which may take as long as 2 weeks to get to me. They both said I could dispute the information but that process takes as long as 8 weeks and still may not clear up the matter as it is up to each individual bank to decide if they want to update their data regarding me. I have separately filed a complaint against XXXX XXXX XXXX because they have refused to provide specifics on why I was declined.

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 2019-10-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: WELLS FARGO & COMPANY
State: ID

Complaint narrative:
Wells Fargo is trying to collect on a debt that twice as old as it legally able to collect on. The debt is 14 years old and they have no legal right to collect on it any more. 

well forgo auto XXXX XXXX XXXX XXXX OR 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 2019-10-04 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Funds not received from closed account
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
I have two Individual Retirement Account Time Certificate of Deposits for {$2000.00} each for tax year XXXX issued XX/XX/XXXX to myself and then living husband from then XXXX XXXX XXXX XXXX XXXX XXXX. ( now Wells Fargo Bank via XXXX acquisition ). These CD-IRAs are continuous no renewal necessary. We purchased these from the same bank branch then that we/I still bank at. 
I took these two CD-IRAs to my same bank branch ( XXXX XXXX XXXX XXXX, XXXX, AZ XXXX ) that we bought them on two separate occasions ( Friday XX/XX/XXXX and Friday XX/XX/XXXX ) and the Wells Fargo bankers claim they can not find any record of these accounts in their Wells Fargo system,  and therefore are unwilling to relinquish either my nor my entitled deceased husbands IRA investments and accrued interest earnings. They referred me to the Arizona Unclaimed Property Office ( not sure why since we/I have banked there the entire time and these are Individual Retirement Accounts no reason to send retirement savings to Unclaimed Property especially when Ive been banking with them all along, and even though they, Wells Fargo, have no record of submitting them ). I checked on Friday XX/XX/XXXX and AZ Unclaimed Property has no record of unclaimed property under either of our names.

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 2019-10-04 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
I was shocked when reviewing my credit report and found late payments on the dates below : 30 days late as of XX/XX/2018 ( XXXX & XXXX only ) 30 days late as of XX/XX/2018 ( XXXX ) I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statements did not get to me.

Company response to consumer: Closed with explanation