vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-10-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONSTAR MORTGAGE LLC
State: SC

Complaint narrative:
I have already submitted a complaint about Nationstar Mortgage / mr. cooper and I have not had any luck getting them to admit they are in the wrong. I continually receive excuses with phrases like, " we are sorry for the inconvenience '' " we are sorry for the trouble this has caused '', " more research should have been done '' etc ... 

Nationstar Mortgage/mr.cooper sent my house into foreclosure in error. They have charged me a foreclosure fee of {$2000.00} even though I have tried to have this charge removed they have sent me the following response : " The foreclosure fees of {$2000.00} are valid. We show that a Demand Letter was sent to you dated XX/XX/XXXX, and indicated that the account needed to be brought current by XX/XX/XXXX, otherwise the account would be referred to foreclosure. The account was not brought current on that date and was referred to foreclosure on XX/XX/XXXX. As such, the foreclosure referral was valid and unfortunately will not be waived. '' I received a copy of a Lis Pendens, Summons and Complaint Foreclosure - Non Jury that was Electronically filed on XX/XX/XXXX by, XXXX XXXX  XXXX, XXXX, attorney for the plaintiff, Nationstar Mortage LLC d/b/a mr. cooper, to the State Of South Carolina County of XXXX. 

This was the same day, XX/XX/XXXX, that I called in to make a payment. I was told not to make a payment until my misapplied payment from XX/XX/XXXX was found and applied to my account. No mention what so ever that my home was already sent to foreclosure or any mention of Nationstar 's attorneys. 

As I explained to Nationstar / mr. cooper, I contacted my dedicated loan specialist, XXXX XXXX, on XX/XX/XXXX with several questions about my mortgage and payments and I was informed not to worry if I should receive papers about a foreclosure on my home, I was indeed not in foreclosure. She did inform me that my lost payment from XXXX had now been found and had been applied to my account. 

I received a letter from mr. cooper dated XX/XX/XXXX and it reads : " Failure to pay {$4100.00} by XX/XX/XXXX may result in acceleration of sums secured y the security Instrument, foreclosure proceedings and sale of property. '' I then received a copy of Consent stipulation of Dismissal and Cancellation of Lis Pendens that was filed with the XXXX Clerk of Court by the plaintiff 's attorney XXXX XXXX  XXXX, XXXX. dated XX/XX/XXXX. 

As you can see I was put in foreclosure in error by Nationstar Mortgage/mr.cooper but , yet I am still being charged {$2000.00} foreclosure fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: NJ

Complaint narrative:
Dear CFPB, I contacted PNC Bank last week in regards to a check that I wrote to myself from my XXXX Account. I deposited the check on Monday XX/XX/2018. The disclosure on PNC mobile bank state that funds would be deposited within 2 business day. I waited the 2 business days and no funds were deposited to my PNC checking account. I contacted PNC on Friday XX/XX/XXXX and the representative told me I had a hold on the check and would be deposited to my account on XX/XX/2018. I checked my account today XX/XX/2018 and no funds were deposited. I contacted PNC again in regards to my missing funds and now are telling me because it is a new credit card now the funds are being held until XX/XX/XXXX. I advised the PNC representative that I have written numerous checks payable from myself from my XXXX account and do not understand why the bank is withholding funds that I need to pay a bill with. No one has helped me at all and I feel the bank is taking advantage of me. Without the funds, I can not pay a bill and is negatively impacting me. It is extremely unfair that PNC is withholding funds and keep being changing their reasoning why they won't give me my money, and if anything keep changing the story on their end. It appears to me that they simply want to take advantage of me and the situation. I am writing for assistance from the CFPB to help in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I want my credit report updated and the harrassment from collectors to stop. 
I got free legal help from my community action center ... filed bankruptcy chapter XXXX. I'm XXXX on Social Security and tired of being bullied. I called all 3 credit bureaus, and each of them have the rudest, clueless representatives. 
My discharge date was XX/XX/2018 and I was informed by the court that I would no longer be harrassed and my creditors would have no recourse, credit report updated. Etc

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-02 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: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I called in to make a payment because I always set my payments up to come out automatically but this one did not do it so four days later I noticed and called on XX/XX/XXXX. It was due on XX/XX/XXXX. I was asking is there a way to make my payments lower being I am a XXXX. The monthly payment was {$72.00}. They talked me through setting up a payment plan and said because I was approved for this plan my first payment would have to be on XXXX for {$98.00} which I did. It was set up for {$31.00} to come out automatically every month which it has. I was told the account would not accumulate interest while I was on the plan. Not only was that a lie, they reported my account past due to the credit bureau. After calling 10 times to try and fix it they are saying that the account was reported in error and that they fixed it. However what they actually did was remove the past due from XXXX and put it on XXXX. A supervisor called me said they never reported it and I should dispute that with the credit bureau. The credit bureau said I should dispute it with XXXX. The 4 representatives from XXXX would not transfer me to a supervisor and three of them just told me to hold on and hung up on me. Now my credit score is even lower. I am always on time with all my payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-02 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: HYUNDAI CAPITAL AMERICA
State: IL

Complaint narrative:
XXXX XXXX ran my report which gave permission for the following to run my report ... 

XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have already contacted these places and they will not delete them because XXXX XXXX MADE THE AUTHORIZATION.. 

The problem is that I did not authorize ANYONE to do this. My ex girlfriend did it without my PERMISSION!!! My credit has been effected negatively and need this to be removed ASAP. I tried writing letters ... They all came back saying that they couldnt delete it ...

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-02 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I have included the letters from XXXX XXXX closing my two accounts without reason and charging me {$49.00} each for a total of {$99.00} involuntarily.

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 2018-10-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: OH

Complaint narrative:
I received a bill from PRA Receivables attempting to collect on an account formerly owned by XXXX Bank. The charges on the account were disputed due to there being charges not authorized on my account, and I refused to pay on those charges, or the interest/fees accrued as a result. XXXX Bank sold my account with the full knowledge that these charges were not valid. PRA has refused to verify the debt, and has refused to provide the documentation I requested on XX/XX/2018 for such verification. I sent a followup notice on XX/XX/2018 to notify PRA that any further collection efforts violated FDCPA, and I have received 2 bills by mail since, but still there is no sign of the documentation I requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-02 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: PNC Bank N.A.
State: OH

Complaint narrative:
I sent a XXXX scammer some money through XXXX, they never delivered on their side of the agreement. I tried to have the transaction stopped by PNC IMMEDIATELY AFTER I sent the money and realized the sale was a scam but PNC REFUSED to even open an investigation before the funds were delivered the next day. I filed a police report ( attached ) later in the evening. The following day I contacted PNC and they initiated the claim. They said they would investigate the transaction and that they would be contacting the other bank scammers bank ( XXXX XXXX ). A few days later I received a letter saying that my claim was denied and there was nothing I could do. I asked them if there was any way they could shut down the scammers account and PNC said that was up to XXXX XXXX. They also said I should contact XXXX to retrieve the money since it was through their service. XXXX XXXX will not discuss another account with me because I'm not their customer. I've tried contacting XXXX but they will not speak to me since the transaction was filed from my bank and said I should resolve the dispute with my bank. PNC and XXXX seem to be pointing the finger at each other. Bottom line : XXXX doesn't take their security seriously and PNC doesn't care about it's customers or trying to stop fraud before it happens.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-02 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: OH

Complaint narrative:
I sent a XXXX scammer some money through XXXX, they never delivered on their side of the agreement. I tried to have the transaction stopped by XXXX IMMEDIATELY AFTER I sent the money and realized the sale was a scam but XXXX REFUSED to even open an investigation before the funds were delivered the next day. I filed a police report ( attached ) later in the evening. The following day I contacted XXXX and they initiated the claim. They said they would investigate the transaction and that they would be contacting the other bank scammers bank ( XXXX XXXX ). A few days later I received a letter saying that my claim was denied and there was nothing I could do. I asked them if there was any way they could shut down the scammers account and XXXX said that was up to XXXX XXXX. They also said I should contact XXXX to retrieve the money since it was through their service. XXXX XXXX will not discuss another account with me because I'm not their customer. I've tried contacting XXXX but they will not speak to me since the transaction was filed from my bank and said I should resolve the dispute with my bank. XXXX and XXXX seem to be pointing the finger at each other. Bottom line : XXXX doesn't take their security seriously and XXXX doesn't care about it's customers or trying to stop fraud before it happens.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-02 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Alliant Capital Management LLC
State: TX

Complaint narrative:
Alliant Capital Mgt Co. XXXX original acct # XXXX internal acct # XXXX   Company took out twice the amount from my bank account as agreed in my original settlement agreement ; causing my bank account to go negative and causing me to miss work because I have no way of paying for transportation costs to get to work. 

I spoke to company representatives on XX/XX/18 and was told that the money was " immediately '' being returned to me account, then they told me that the amount was only " pending '' and would not affect my bank account. Then on XX/XX/18 was told the monies were taken and they had no idea when it would be returned. 

I expect the remainder of this debt to be forgiven based upon the repeated false statements and violations being taken against me and the irreparable harm I have undergone and continue to be faced with. I do not know when I can return to work because I am broke because this company took {$620.00} from my account twice in the same day and they are still saying they didn't do it ... My account is overdrawn over {$220.00} at XXXX Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-02 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bull City Financial Solutions, Inc
State: NC

Complaint narrative:
Bull City Financial Services a debt collector has posted the same medical collection for {$170.00} on XX/XX/2018 on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
I currently have requested enrollment into the SCRA/Sailors and Soldiers Relief Act through Citibank for the 2 credit cards i have. i have spoken to Citi Customer Service multiple times. During the conversations with customer service the SCRA reps at Citi explained i should have already been enrolled. if i provided the paperwork they could enroll me. I have provided all required paperwork and each time i get a written response explaining they weren't able to enroll me. after multiple attempts my interest remains at 29.9 %

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 2018-10-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: MD

Complaint narrative:
I have been making payments to Navient for 2 years. The amounts going to the interest should be decreasing not fluctuating from different months. For example, my monthly payment is {$430.00} first payment made on XX/XX/XXXX {$79.00} principle and {$350.00} interest. One year later XX/XX/XXXX {$85.00} principle and {$350.00} interest. Earlier this year I began making payments 2-3 weeks earlier then due date. On XX/XX/XXXX I made the XX/XX/XXXX payment, {$200.00} went to principle {$230.00} interest. On XX/XX/XXXX the entire {$430.00} went to interest. I contacted Navient, first representative, XXXX, put me on hold and disconnected me. I call back the representative, XXXX XXXX, not sure of spelling, told me because I made the payment early, there was 40 days of interest that had accrued and this is way they took the entire payment for interest. I told him the payment is not due until the XXXX and he said it did not matter. I am not a fool and this is a lie. I have been making my payments on time and Navient allocates they payments the way the chose. I know about the lawsuit filed against them, so I am not the only person. We struggle to make our payments and should not be treated like this. Your attention into this matter is greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-02 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: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
XXXX client, XXXX XXXX is a victim of identity theft. She received an attempt to collect a debt related to an account established with XXXX XXXX Bank for an amount of {$850.00}. This account was established with her information without her consent and is an issue of true named fraud and identity theft. An official dispute of this account was provided to XXXX XXXX XXXX ( MCM ) office XX/XX/2018 and was received as verified with a return receipt. Shortly after XX/XX/2018 MCM sent a second " pre-legal notification '' concerning this attempt to collect. MCM has violated the FDCPA and the FCRA in their failure to not conduct an investigation into this matter and still they tried to collect this debt. In addition the original creditor XXXX XXXX bank was also notified XX/XX/2018.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-02 00:00:00
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Receivables Management Partners, LLC
State: IN

Complaint narrative:
They called today on XXXX despite a previous request to never call my work number. My work number had also not been given to them. They repeatedly call my phone and do not leave messages. Today, after again telling them never to call me at work, I work at a XXXX, the man on the phone became very threatening and rude. He said that he wouldn't call either number again and the next step would be taken without alluding to the next step or even giving details on why he was calling. I was never given the opportunity to make payments or payment arrangements. XXXX XXXX XXXX is the name of the company and the number is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-02 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 — Overcharged for something you did purchase with the card
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
On XX/XX/XXXX, I provided a mechanic with my credit card details in order to release my vehicle. The vehicle had been housed for one night, with minimal diagnostics done and estimates given or billable repairs authorized. He charged my card {$1000.00}. I filed a police report immediately, reported the charge as fraudulent, and have been disputing for 10 months. After escalating the dispute as far as possible, I received a letter from the Chase executive office today saying they had " thoroughly '' investigated, and based on materials I'd provided ( they never requested any materials from me, though I made numerous attempts to provide them with documents ) they still found the charge to be valid and would not be investigating any further. 

They have allowed fraud and crime to occur without any justification for why they'd do so, and have illegally withheld my funds for the better part of a year.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TOYOTA MOTOR CREDIT CORPORATION
State: TX

Complaint narrative:
My auto loan is through Toyota Financial Services. I wanted to pay the loan off early so I called TFS and spoke to a representative. I had increased what I thought was the final payment to equal the loan balance. The interest was zero percent so there were no penalties. I was assured that what I had done was correct. That payment was debited out of my checking account on XX/XX/2018, leaving a loan balance of XXXX. On XX/XX/2018, TFS took another {$500.00} out of my account. I called immediately and was assured the payment would be reversed and the {$500.00} would be returned to my account. After several days, I called again since nothing had been done. Once again, I received the same assurances and was told my account should be credited by Friday, XX/XX/2018. As of this morning, NOTHING had been done. I called again and was told, after a long 'on hold ' that a {$500.00} check would be sent. I told the rep I did not want a check, I want it returned to my account. Since my account is closed, that can't be done, even though two previous reps assured me it's what would be done. I asked the rep what would have happened if I didn't have surplus funds in my checking account, and their mistake would have caused NSF items. I got no answer. I also asked for overnight mail service, but was told that wouldn't be happening. I am totally dissatisfied with every person I spoke with, and with TFS.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
- I applied for a mortgage at TD Bank. 
- I participated in a preliminary prequalification phone call and was approved for over {$500000.00} for a loan. 
- I entered a contract for a property that required a loan for {$280000.00}, and started the next step with TD Bank which was to sign documentation and they stated at the beginning of this step in an email my rate for a loan would be 4.875 % interest rate. 
- I was told I did not qualify unless I paid off {$1500.00} of my credit card debt and {$59000.00} of my student loan. 
- I stated I did not have the funds to pay off these debts. They told me verbally over the phone I was not approved and I asked for documentation stating that so I could get my deposit on the property back. 
- A week later they told me I was actually now approved and at rate of 4.5 % and again they put that interest rate in an email that asked for us to sign the same documents previously which we did. 
- We inquired about next steps and then they told us our loan rate was now 5 % interest rate. 
- I believe this is a classic case of bait and switch.

Company response to consumer: Closed with explanation