vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: SN SERVICING CORPORATION
State: CA

Complaint narrative:
LATE FEE 'S Hi, I been having trouble with XXXX XXXX XXXX trying to make me pay late fee 's, almost {$700.00} of fee 's. My loan got transfer from XXXX to SN Servicing Corp in XXXX. XXXX sent out a letter to me in regards to this transfer and included the address of SN Servicing Corp to mail my payments. 
SN Servicing Corp never mail me any type of information at all until XXXX of XXXX stating I was one month behind my mortgage payment. Got records from my bank and showed prove of payment they accused of not paying. They cleared the error. 

Them out of nowhere they say I own almost {$700.00} of late fee 's due to my grace period being the XXXX of every month. They have no records or prove or a signature from me that I agreed to these changes. Before SN Servicing Corp took over, XXXX grace period was the XXXX of every month. Now I found out that when they sell or do a transfer the company taking over the payments are not allow to change any terms or conditions from the mortgage instruments. 

I been taking to XXXX since XXXX of XXXX. I have fax/emailed her information with prove in black and white statements from XXXX stating in fine print payment received after the XXXX will cause a late fee. Not even with that information she is not working with me. 
XXXX has all information I emailed and fax to her.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO

Complaint narrative:
On XX/XX/2020 my purse along with my Bank of America debit and credit card was stolen. {$2000.00} was stolen off of the debit card via them adding the stolen card to there XXXX account and sending themselves or someone else the money. Bank of America received the claim and the police report of the items being stolen and still denied my claim twice saying they wont reopen it or reimburse my money.

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 2020-07-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: OneMain Finance Corporation
State: FL

Complaint narrative:
I am still having a difficult time with one main financial. They are bleeding me dry with too high of the intrest on my vehicle and when I asked for hardship and to lower my intrest rate they refuse too. Also I have complained here before to CFPB about them calling my job and I sent them an email and they still call my job while I have asked them several times. I have proof from an email I sent to them and also the last time I filed the complaint on this site. Why cant this company do the right thing and stop ripping people off : I have read numerous complaints besides myself. I also noticed they increased my term for almost 6 years paying XXXX a month for 6 years thats giving them XXXX, XXXX on what was owed of XXXX. This is a total ripe off and our government needs to take action. I only owed at the time I came to them only XXXX and I took out and refi to XXXX and they are legally taken advantage of people badly. This needs to go public and if the cfpb doesnt want to help they need to go as well.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-23 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
Complaint against Suntrust for denial of Loan Application : On XX/XX/2020, my husband and I was denied a home equity line of credit. The reason for the denial stated we did not have enough equity in our home. At the time my credit score was XXXX per the denial letter received from Suntrust and my husband 's score was in the very high 600 range. We have banked with Suntrust for over 15-20 years, our combined checking/saving balance at the time was over {$22000.00}. We maintain a monthly average balance between {$17000.00} - {$25000.00} between both accounts. 

As a real estate professional for 21 years. I was puzzled because of the denial, especially since the bank did not do an appraisal and when I called to request a reason for the denial the customer service representative was very vague and offered no answers based on what the denial letter said. 

As for the appraisal, if the bank had in fact did an appraisal for our home and the surrounding homes, Suntrust would have learned that our home value was far beyond the amount that my husband and I was looking to borrower. Surprisingly, I will admit Suntrust blatantly refused to approved our equity home loan, due to other conditions that did not involve our high credit scores, our on time payments history or our stable income. I believe without a doubt we were denied because of our race and the location of home.

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 2020-07-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I filed a dispute regarding the validity of items on my credit repair. It has been 30 days and I have not heard anything back from the agencies or received a letter is in the mail. The original dispute was sent on XX/XX/2020 and the 30 day letter to comply was sent on XX/XX/2020.

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 2020-07-23 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: IL

Complaint narrative:
I filed a dispute regarding the validity of items on my credit repair. It has been 30 days and I have not heard anything back from the agencies or received a letter is in the mail. The original dispute was sent on XX/XX/2020 and the 30 day letter to comply was sent on XX/XX/2020.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
After receiving a current copy of my credit report, I discovered some entries that were identified as inquiries which qualified for deletion from my report.

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 2020-07-23 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: ENOVA INTERNATIONAL, INC.
State: UT

Complaint narrative:
I called the company this morning to pay off my loan. They would not take a payment as my account is " under review '' ( as it has been for at least three weeks ) and I can not access the website due to this " under review '' status. However, while my account has been under review, they have continued to charge daily interest and take payments without issue every two weeks. When I asked if they could suspend interest charges until they allow me to pay off my account, I was told that I could request for them to refund all the accumulated interest once my account was no longer " under review, '' a status which has an indeterminate timeline. In the meantime, they will continue to collect payments every two weeks and keep my account " under review '' and continue to make money off a loan that I attempted to pay off.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-23 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: AMERICAN EXPRESS COMPANY
State: OK

Complaint narrative:
I opened a credit card with American Express on XX/XX/XXXX. It was to be used for per diem type purchases where my job was reimbursing me for hotel rooms. My card info was stolen and the card was used fraudulently. I requested the card be closed. I did not know that there was anything owed on the card. In XX/XX/XXXX, a charge-off from Amex showed up on my credit reports. There is no history for it before that time. We paid it within about a day. I have not been able to get Amex to remove the charge off/late payment statuses from my credit reports and this is affecting my ability to get good rates. I literally did not know that I owed anything to Amex until it went on the credit report. Because of the circusmtances regarding the fraudulent activity and no notification of an amount owed was sent to me, I would like Amex to take the late payment and charge off off of my credit report. I believe I've been treated unfairly here.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-23 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
In XXXX of 2017, my payment of {$57.00} did not process. I reached out to the company 's customer service, who said that a payment did not go through. I was not notified that this payment did not go through correctly and that it was considered a late payment. I am now unable to qualify for a line of credit. When I contacted the company 's customer service, I was told that it might appear on my credit report but that there was nothing that could be done about this unfair situation.

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 2020-07-23 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: PNC Bank N.A.
State: AL

Complaint narrative:
Attempted to link PNCs account information to a mobile investment app named XXXX. Was told by XXXX that due to recent changes with PNC the accounts are unable to be linked.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL

Complaint narrative:
Select Portfolio Servicing , Inc., does send my monthly mortgage statements in a timely manner. The statements often do not arrive at all.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-23 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I recently sent letters over 45 days ago to Equifax and they are disregarding a regular consumer disputes. I'm frustrated and have been sending letters before this and still no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-23 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
I am a Bank of America customer. I have an open checking and savings account. I opened an additional savings account for my daughter. I declined opening any other type of account at that time. Immediately upon opening my new savings account, the Bank, of their own volition, decided to open another account called " XXXX XXXX Banking ''. I specifically declined this option yet the bank opened it anyway. In addition, I got an immediate " low balance '' notification and they are charging me a monthly maintenance fee! I called to cancel and am unable to get the bank to close the account. I explained that this was opened fraudulently by them without my application or consent. They are refusing to cooperate with me in closing the account. 

They transferred me to their own fraud department which has opened an identity theft claim despite my explaining to them that the " theft '' was perpetuated by the Bank themselves!

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 2020-07-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Movement Mortgage LLC
State: NC

Complaint narrative:
My wife and I refinanced our home through Movement Mortgage in XX/XX/2020. Just before closing we were told we must have an escrow account even though we haven't one in over 10 years or be charged a higher rate. ( despite a 75 % loan to value ). 

At closing XXXX collected 14 months of XXXX XXXX premium and taxes. Our home owners policy was due in XXXX. We just received a cancellation notice from our carrier for non-payment. Our insurance agent said XXXX was billed 3 times for the premium and still hasn't paid them. I have received out to Movement Mortgage and haven't heard anything. 

To resolve this issue I would like the premium paid in a timely matter and the escrow dissolved with all monies returned to us. We will pay our own bills " XXXX XXXX '' going forward.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-23 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Kostka and Associates, LLC
State: WI

Complaint narrative:
In XXXX through XXXX, we had significant medical and credit card debt incurred, as well as income lost for 33 months between XX/XX/XXXX and XX/XX/XXXX. 
In XXXX, two separate judgments were entered against me for credit card debts. 
In the last quarter of XXXX, I proactively reached out to settle the debts using financial help from a family member. 
We were attempting to settle both debts at the same time in order to clear our credit completely. We had significant difficulty with one of the companies, but we received an offer from another. 
The company we received an offer from was XXXX XXXX XXXX, represented by XXXX XXXX in XXXX WI However, the other debt collector rejected their original offer and refused to renegotiate due to a misunderstanding on their end, just XXXX hours before funding was to be sent out. This unfortunately resulted in me not being able to settle any of the debts as we were unable to clear our credit. 

Initial Dates for XXXX XXXX XXXX : In XXXX of XXXX, we received a reasonable offer of {$10000.00} In XXXX of XXXX, my son and I were in an accident, which resulted in 4 additional medial bills and judgments as we waited for our lawyers to resolve the issue. 

After were were able to settle in after the economic shut down of XXXX, I once again reached out to XXXX XXXX to make another attempt to resettle our debt. 
XXXX is now managed by XXXX XXXX XXXX, not XXXX. 

Today, XX/XX/XXXX, I received an unreasonable and excessive counter offer of approximately {$16000.00} to settle the debt. 

This is an INCREASE of {$5800.00} in just over 1 year. 
My total debt has not increased HALF that amount since XXXX. 
This equates to a percentage increase FAR EXCEEDING all 5 other judgments that I have been able to resolve. 

I fully understand interest has accrued over the past year, however, a 3.99 % increase ( which is where EVERY OTHER debt collection agency is at XXXX, would result in a significantly less increase than what has been countered with. 

This is excessive, unreasonable, and far outside the amount I have available from a family member who is assisting in this settlement. 

I am prepared to settle for {$12000.00} XXXX {$1300.00} OVER the initial offer in XXXX ) and the funds will be sent within XXXX to XXXX hours of acceptance. 
I am NOT in a position of paying nearly {$6000.00} MORE than the previous offer a year ago. 

There is absolutely no standard of interest or reason for such a counter and absolutely no precedent for what can be expected. 
I am already borrowing this money. I have no retirement, no savings, and no money set aside for education for our kids. And this is not helping me and my family be able to move on from unexpected and unavoidable medical debt over 10 years ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: VA

Complaint narrative:
My PayPal account is XXXX. There is {$10000.00} missing on XX/XX/2020. The account balance is XXXX. Please refund me the money {$10000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-23 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I made a purchase from a seller on XXXX with my credit card for {$240.00} the seller was not compliant in returning my money after I sent the seller it's merchandise back due to it being defective and gave the tracking # which is confirmation from FedEx that the seller received the merchandise back. I went to my bank Wells Fargo to dispute the charge and accidentally input my dispute in wrong my intentions was to put in that I returned the merchandise but I put in that I didn't receive it a total mistake of hitting the wrong button. My bank did the dispute based on the error I made and refunded me the {$240.00} and then reversed it several months later stating that they received info from the merchant that I received it. I didn't find out until months later that I entered my dispute incorrect once I was informed of this I asked my bank to redo the dispute correctly so I can receive my refund because I did return the item back to the seller and I did use my card as they can see on my statement to make the purchase of {$240.00}. My bank said they can not reopen my claim and I should take it up with the seller who has not been compliant with me at all. I am disputing the bank decision because I made a mistake in filing my dispute but this is a legitimate dispute and I did spend the money of {$240.00} on my card and I did return that merchandise so I am entitled to receive my refund back from my card issuer which is my bank Wells Fargo. I am human and make mistakes like anyone else my bank has made plenty of mistakes on my account and I was considerate and understanding we all make mistake in life no one is perfect but in this case I did spend my money and returned the merchandise and have proof so I want my money back. The bank is refusing to open my claim and refund my {$240.00}.

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 2020-07-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: M&T BANK CORPORATION
State: MD

Complaint narrative:
I was sent a check XXXX via fed-ex. 
The check turned out to be fraudulent. I simply deposited it. 
I DID not attempt to use any funds. 
I apologized for it. The bank ( M & T Bank ) where I HAD been a customer for 21 years, asked me then to close all of my accounts, citing that after 21 years I was a high risk for simply depositing a fraudulent check. 
a ). I apologized b ). I explained how I came to get the check - the people that sent me the check were arrested in XXXX. 
c ). I made NO attempt to use the funds. 

Yet, I am the victim and now I continue to be the victim.

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 2020-07-23 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: Student Apex
State: WI

Complaint narrative:
I have been called about repayment of my student loan from a different service to find out it must be a scam. The first number I programmed in the phone is no longer in service. I had gotten a text today saying my payment is due in 2 days. The number that they gave today is XXXX XXXX XXXX. The text also tells me that it is student Apex. What is the best way to stop there payments?

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation