vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-06-11 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
To Whom It May Concern, This is my third attempt to resolve case number XXXX regarding my father the late XXXX XXXX XXXX XXXX 's sole savings account with Webster Bank. I have received letters from Webster Bank on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ( This correspondence included AN XXXX XXXX XXXX PHONE NUMBER FOR WEBSTER BANK ) i.e XXXX. 

The FRAUD TIMELINE : On XX/XX/XXXX XXXX XXXX, her church friends XXXX XXXX XXXX, Pastor XXXX XXXX ( Witnesess ) and her attorney completed a " Power Of Attorney '' by forging my father 's signature on the document for Power Of Attorney. This document was NEVER notarized or authorized by any court in the State Of Connecticut. The document that your bank accepted was not legally valid or legally enforceable! 

On XX/XX/XXXX XXXX XXXX 's attorney filed in Probate Court Case Number XXXX, a Decedent Estate State as Legal Representative under 4a-16, which was filed in the XXXX. Connecticut area NOT XXXX, Connecticut where my father actually resided. 

In Conclusion, XXXX XXXX committed fraud by filing and completing my father 's Probate in court, WHILE HE WAS STILL LIVING!!! He died on XX/XX/XXXX. Your bank did not do their due diligence to verify the validity of the submitted Power Of Attorney, especially since it was NOT notarized. Your incompetence and collusion makes your bank responsible for ALL of the fraudulent transactions after the date of the Power Of Attorney that you bank accepted.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-11 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: NC

Complaint narrative:
REMOVE LISTED ACCOUNTS FROM MY CREDIT REPORT, THESE ACCOUNTS HAVE BEEN REPORTED IN ERROR ON 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 explanation
Consumer complaint received 2018-06-11 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: General Motors Financial Company, Inc.
State: CO

Complaint narrative:
At the end of XX/XX/XXXX I chose to finance my current leased vehicle that I was leasing through GM Financial. My XXXX payment went through in addition to the payoff sent from my dealership. This caused an overpayment of {$500.00}. It has been a horrible experience trying to get the {$500.00} refunded back to me. Every time I call into customer service I get told a different story. Last Monday I was told that the check was cut on XX/XX/XXXX and that I should receive the check by the end of the following week. When I called this past Friday inquiring about the check, I was told that they were still waiting on final approval for the refund and that it could be the end of XX/XX/XXXX when I could receive the check. I do not understand why this process is taking so long as I have received the letter in the mail from GM Financial over a month ago congratulating me for paying off my lease. The company does not get to just keep overpayments. I just want my overpayment to be sent to me so that I can close this chapter.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc
State: MN

Complaint narrative:
I review my credit report and look was account, i call the aprtament buildibng they claim was under another person not my, and they cant reach the manager who handle that issues.I mailed 2 letter to the collections agency never answer or mail any proof of the contract.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-11 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: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
The company issued me a credit card in XX/XX/XXXX/XX/XX/XXXX and regardless of the fact that I never made any late payments or missed a payment, never went over my credit limit, and continually carried a balance, they decided in XX/XX/XXXX to close my account. They never advised me of this fact and the only way I realized my account had been closed by them was to try to use my card and have it declined at which point I contact them and they advised they just decided to close my account. Couldn't provide a reason and refused to re-open the account. Interestingly enough, I have a cash reward balance on my account of {$39.00}. Redemption of cash rewards is done in {$50.00} increments, so basically they closed my account just shy of me earning a cash reward of {$50.00}, which I could redeem to my account balance. When I originally called to inquire why my card was declined, and inquired about the cash reward balance that was just shy of a redeemable amount, I was advised I could be transferred to someone who could help get whatever my current balance was credited to my account, but I was already late for work and said I would have to call back to handle that. I called back today and two different associates ( one supposedly a manager ) pretty much laughed and me and told me too bad, I would never be able to redeem the cash rewards until they equaled {$50.00} and since they closed my account it would never happen and too bad I can write a letter if I don't like it. Yet, they still expect me to make my monthly payment after they didn't have the decency to send me a letter that they would close my account or anything. These are reprehensible business practices -- - preying on consumers and closing their accounts just in time to stop them from earning or using additional rewards.

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 2018-06-11 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I filed a dispute with Equifax on XX/XX/XXXX, was emailed to say the results were complete and available to view online. Attempted to view results and was unable to do so. I called the company requesting a copy be sent to my residence. I was told it would arrive in 7-10 days. I didn't receive it. I called them again after the 10th business day and told them I haven't received it. I requested a second copy and the same thing happened. I called again and stated that this is an issue with me receiving this document if there's is something else that can be done. They said no and I'm out of luck. I need the document for proof of my records and they refuse to provide it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Seterus, Inc.
State: FL

Complaint narrative:
Every time I contact Seterus and attempt to make my mortgage payment, they will not allow me to make my payment. Each of their agents keep me on the phone for long periods of time asking the same questions over and over attempting to badger me into committing to payments and payment dates that I know I can not keep. My payment is only one month behind but since they will not allow me to make the payment, I am in danger of falling further behind and I am incurring additional late fees. The tactics used are forcing me to incur late fees and damaging information being added to my credit report. At this point, I feel the company is attempting to force me into foreclosure and using very heavy handed tactics. At the end of the conversation today on XX/XX/2018 at XXXX, the agent would not allow me to make my payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-11 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:
REMOVE LISTED ACCOUNTS FROM MY CREDIT REPORT, THESE ACCOUNTS HAVE BEEN REPORTED IN ERROR ON 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 explanation
Consumer complaint received 2018-06-11 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: NC

Complaint narrative:
REMOVE LISTED ACCOUNTS FROM MY CREDIT REPORT, THESE ACCOUNTS HAVE BEEN REPORTED IN ERROR ON MY CREDIT FILE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-11 00:00:00
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: NATIONSTAR MORTGAGE LLC
State: FL

Complaint narrative:
I am sending this note asking for a update credit report based upon receiving credit hits during Protection Disaster Assistants. My mortgage payments were on time every month for the entire duration of the loan until Hurricane Irma XX/XX/XXXX. I called and made a couple of payments after the hurricane in XX/XX/XXXX andXX/XX/XXXX to do what I could to keep this loan current. I offered to pay the past due amount before they reported again and I was told no need to since I was currently going through a modification. The payments I was making at the beginning of the year I thought were going to my past due balance. I was told that my account was coded incorrectly which caused for the negative remarks on my credit. 
This home is currently under contract for sale and I am trying to purchase a new home. I was told I am no longer pre-approved with these negative remarks and with my Credit Score dropping 88 points. I am 10 days out from being with in the 45 days of closing on the new house and in jeopardy of losing the house. 
I have been calling the bank every day to try to speak with someone and they keep telling me the same thing, there is no one above them that could help me. Im supposed to have a loan specialist and that person has changed twice, I leave messages and can never get in touch with them.

PLEASE HELP!!!

Sincerely XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Chase Mortgage offered mortgage forbearance after our home flooded during Hurricane Harvey. They told us in XX/XX/XXXX that our forbearance would be extended until XX/XX/XXXX. We called back to confirm multiple times, and they confirmed multiple times. We planned our finances to be able to come current on our mortgage by XX/XX/XXXX. Then on XX/XX/XXXX, they called us to say that our forbearance would end XX/XX/XXXX. We asked about the XXXX date and they said it wasn't in their notes and that our relationship manager had changed so they have no record of what the prior relationship manager had told us. So we have less than 3 weeks ' notice to come up with over {$12000.00} or foreclosure protection and credit protection end, and they will not let us come current after that date because they limit the payments we can make after that date.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-11 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: General Motors Financial Company, Inc.
State: PA

Complaint narrative:
I lease my car through GM Financial. Payments are made online. I made payment in XXXX and statement states next payment due on XX/XX/2018. I had a death in the family and I just look into my credit report and Have excellent credit. I seen that my rating when down. I looked into and GM Financial filed a report that I was 30 days late. I immediately paid a payment. The account says I don't owe a payment to XX/XX/2018. I called GM Financial and the women said she would not in my account that there was a clitch in system, I called the XXXX XXXX XXXX and they said to call GM Financial back and ask them to report it. I called back and after 25 minutes speaking to a reprensative, he transferred me to a supervisor and she stated that they can't back and report it. I told I would call the Federal Trade Commision. I have a copy of the online statement, showing the due date to back up the information I have listed here. I would be happy to email the back up. 

Thank you, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-11 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: Santander Consumer USA Holdings Inc.
State: GA

Complaint narrative:
Per FTC Regulations, I am officially requesting for Santander or any of its ' affiliates to contact me via phone ( especially XXXX ) at any number nor my references. Please feel free to communicate via writing per US Mail. Best regards, XXXX XXXX XXXX XXXX XX/XX/18 XXXX XXXX Dear Customer, Thank you for your recent web submission. For a better assistance, Santander Consumer USA offers you two options : You can contact us at our relay number at XXXX or you can contact us through our Live Chat feature. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: CT

Complaint narrative:
After graduating in XX/XX/XXXX I was told by the bursar 's office that my grace period on my student loans lasted until XX/XX/XXXX. It wasn't until just recently ( XX/XX/XXXX ) that I started receiving phone calls that I was supposed to start paying my loans back in XX/XX/XXXX. I immediately paid what was owed but it had already had a drastic impact on my credit. I called them and explained the mistake and they said that there was nothing they could do.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-11 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: OH

Complaint narrative:
The collection from National Credit Systems for {$5500.00} was requested to be validated on XX/XX/2018. The 30 day period to validate this debt has expired according to FDCPA. 

This is NOT a failure to pay rent scenario. 

They are trying to collect on renovations that occurred after I moved out. They have NOT been able to provide any receipts for the work that was completed to total the {$5500.00}. 

The rent dispute was handled in court and was dismissed. ( see attached )

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-11 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: NC

Complaint narrative:
LISTED ACCOUNTS ARE REPORTING IN ERROR TO THE WRONG CREDIT FILE. PLEASE REMOVE LISTED ACCOUNTS.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-11 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: Marlette Funding, LLC
State: IN

Complaint narrative:
I made my XX/XX/XXXX payment, due on XX/XX/XXXX, within the grace period ( XX/XX/XXXX ) to XXXX. I made the payment of {$180.00} ( on XX/XX/XXXX ) in excess of the amount due ( {$170.00} ) plus any interest that would have accumulated on the account within those 3 days. ( {$1.00} *3 ). 

Instead of reducing the prinicpal balance. XXXX XXXX has decided it will apply it to my next payment. This is not how i want it allocated, and not ethical. 

After I have paid off the amount due, plus any interest incurred I should be able to have the excess payment amount as i see fit. If i want it allocated to reduce the prinicpal balance it should go that way. XXXX has conviently been applying my excess payments as statement credit instead of reducing the principal.I dont want a credit, I utlized my grace period and pay enough to cover the interest incurred during that grace, the amount due, and a little bit more to reduce the principal. 

Lastly, XXXX provides this limitied statement, which doesnt show you the allocation, or much relevant information. They can do better and be more transparent.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BANCO POPULAR DE PUERTO RICO
State: PR

Complaint narrative:
i had a loan with Banco Popular De Puerto Rico, loan # XXXX, after the Hurricane Maria I request a moratorium of payment and the bank in a letter dated XX/XX/XXXX grant me another 3 month of moratorium, they explain that I have to pay beginning XX/XX/XXXX and if I request they can work a loan modification. 
when originate the loan my investor was XXXX XXXX, this investor provide to move as a loan sum the unpaid month. in XXXX I call BPPR for start the modification process, the first inconvenient was they told me my investor is XXXX XXXX and they only can provide me with an extention up to 40 years ( my mortgage have been paid for almost 15 years so far ) when I complaint about this BPPR tell me they wont work any modification because they sell my loan to XXXX XXXX.

I request to XXXX XXXX to confirm by letter they are the new investor of my loan. I receive from them a letter dated XX/XX/XXXX explaining they are only a servicing provider they are not an investor.

Banco popular lie to me, they refuse to work with me a modification of my loan, now they new servicer treat me to make negative revision in my credit and they billing me other fees not explained reaching the amount of 10,000. + dollars. 
I visited the servicing offices of Banco popular in XX/XX/XXXX trying to solve this and avoid my loan to be sell to select portfolio. they do nothing only send me a letter dated XX/XX/XXXX confirm my petition and a resolution will be receive the next 30 days and that never happened.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-11 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:
LISTED ACCOUNTS ARE REPORTING IN ERROR TO THE WRONG CREDIT FILE. PLEASE REMOVE LISTED ACCOUNTS.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-11 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: NC

Complaint narrative:
LISTED ACCOUNTS ARE REPORTING IN ERROR TO THE WRONG CREDIT FILE. PLEASE REMOVE LISTED ACCOUNTS.

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 2018-06-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
Wells Fargo has been taking advantage that my mortgage serviced has been putting my house payment at the wrong time. Wells Fargo pays it and bounces all my small payments. The small payments were presented to Wells Fargo at the same time, its like they have there own money machine. XXXX at a time to the amount of XXXX. I originally opened these accounts on line. The local branch closed third accounts and opened accounts that have monthly fees. My wife and I are on very tight budget Im XXXX and my wife is still working. We dont have this kind of money to loose. We would like to eat also.

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