vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-02-16 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: TD BANK US HOLDING COMPANY
State: AR

Complaint narrative:
XXXX has either been hacked terribly or their customer service is at an all time low. They have had all sorts of system problems with payments from bill payment services. My payment has not posted in 5 days and I am being told by their customer service that it will be the XXXX until it is fixed which is 4 more days from now. My is online information is blocked because it trying to collect a payment ( That they have lost ) which leads me to believe they have been hacked. All of customer service has been told to say the same thing and all transactions with their credit cards ( I assume that use bill payments ) are bring denied which was terribly embarrassing to my wife in the store. I am hopeful this is only effects the bill payment customers. Everyone should check their accounts to see if they have been affected. This is horrible customer service and I can not believe they have shut our credit cards down and online information when they have my last payment but I guess can not find it!!!!! If they have been hacked they should tell the customers

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-02-16 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
XX/XX/2019,, Continuting Issues,, Yes I Did Received Some Response From Wells Fargo Bank, But Still Need A Lot More Work,, No I'm To Happy About theResponse i Received So I Think Through All Of This,, They Decline To Pay For Damages They Caused, Me And Family,, They Don't Care,, How Can Care About A Very Big Overrated Bank That ( Steals ) From Loyal Customers and Used ( Deceased Parents ) And Made Money off It, Does This Mean Anything,, U Tell Me? That Is Question? Yes I Do Think That I Should Be Considered For Some Type Of Damages,, Besides XXXX Knows The Truth,, He Do Have The Last Say!!

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 2019-02-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
I had a credit balance and requested Capital One to issue a check on or around XX/XX/XXXX and again on or around XX/XX/XXXX. To this day, I still have not received the check. 

I called and sent an email to Capital One leadership team 3 times and no one responded to my inquiry. 

This is the WORSE customer centric company that I ever have to deal with.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
WE ARE GOING TO START A INVESTIGATION ON OUR TOXIC MORTGAGE WE HAVE WITH SELECT PORTFOLIO SERVICING INC. 

UNDER OUR HOMEOWNER BILL OF RIGHTS YOU NEED TO INVESTIGATE THESE VIOLATIONS ON OUR MORTGAGE. 

WHEN YOU COMPLETE YOUR INVESTIGATION ON OUR REQUEST MAIL YOUR COMPLETED INVESTIGATION VIA UNITED STATES POSTAL SERVICE TO OUR HOME ADDRESS XXXX XXXX XXXX XXXX  XXXX CA XXXX XXXX. VIOLATION OF CALIFORNIA CIVIL CODE 2923.6 ( A ) 2.  VIOLATION OF CALIFORNIA CIVIL CODE 2923.55 3. VIOLATION OF CALIFORNIA CIVIL CODE 2923.7 4.VIOLATION OF CALIFORNIA CIVIL CODE 2924.9 5. VIOLATION OF CALIFORNIA CIVIL CODE 2924.10.

6. VIOLATION OF CALIFORNIA CIVIL CODE 2923.17 7. VIOLATION OF CALIFORNIA CIVIL CODE 2924.18 8. VIOLATION OF CALIFORNIA CIVIL CODE 2923.6 ( C ) 9. BREACH OF IMPLIED  COVENANT OF GOOD FAITH AND FAIR DEALING 10. VIOLATION OF THE UNFAIR COMPETITION ACT CALIFORNIA BUSINESS & PROFESSIONS CODE 17200, ET SEO 11. NEGLIGENCE XXXX XXXX XXXX XXXX XXXX XXXX  XXXX CA XXXX XXXX *XX/XX/2019 XXXX XXXX * ACCOUNT XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SUNRISE CREDIT SERVICES, INC
State: MI

Complaint narrative:
EST contact was around XX/XX/2018, I would be short on money. I had mad arrangements for XXXX XXXX  to take 3 payment directly out of my checking account, for 3 months. It was from opening a bank account, and I had not put money into the account. So they fined me XXXX Now today I get a letter from a collection agency Sunrise Credit services a collection company. I'm trying to fix my credit due to another company 's negligence, now I've paid this bank and their trying to collect again, worse yet reported to a collection agency further ruining my credit. I want it removed, since their trying to FRAUDULENTLY SCAM ME AND REPORT TO A CREDIT COLLECTION AGENCY, I WANT MONEY TO COMPENSATE THIS DISTRESS, AND I WANT TO PRESS CHARGES ON XXXX XXXX  FOR FRAUDULENTLY TRYING TO COLLECT AGAIN WITHOUT PRIOR NOTIFICATION, AND REPORTING THIS TO A COLLECTION AGENCY. HOW DARE THEM. 

Credit Services

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 2019-02-16 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: SLM CORPORATION
State: AL

Complaint narrative:
I have had problems making payments to the student loan company, XXXX XXXX, for a couple of months now! I have used all of my forbearance and now my loan is in a default! I also tried doing a lower payment plan and I am just still having a hard time due to being a stay at home mom and my husband is the only one with the income! My family is my top priority and we have to make sure we have things we need and especially my son! Anyways, I had talked to corporate from XXXX XXXX recently and she lies to me by getting my mother involved saying that she had spoke to her and that she was going to call all these companies to try and help me and that she has faith in my mother that she is able to help me and if I made this payment then it would by her some time to help me ( still talking about my mother ) so of course I fell into the trap and made a payment on my credit card because I had no money and when I talked to my mother she said that is not true, I said nothing of that!! So this woman lied to me to get some money from me!! You dont bring someones family member into the issue! Thats very wrong! I also had another incident where the woman on the other line of XXXX XXXX got a attitude with me because I couldnt make a payment and she tells me then what was the point of calling if you cant make this payment?! They also added XXXX of interest to my loan because of my forbearance! Thats absolutely crazy! You can never get it paid off!

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
I ordered 5 items from the XXXX XXXX XXXX on XX/XX/ 2019. I had not received the items even though the website said it would take 1 to 15 days inside the the United States to receive the order # XXXX. I emailed the company on XX/XX/2019 as I had not received the order yet at XXXX. I still have not received a response or the items. I paid just for the shipping of the items of {$35.00}. The items were advertised as free on the website if the shipping was paid for a limited time.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: AZ

Complaint narrative:
Shellpoint paid XXXX 1st half tax installment in XX/XX/XXXX I paid XXXX 2nd half tax installment in XX/XX/XXXX to allow this to count as an itemized deduction on my federal and state tax return I called Shellpoint mortgage customer service at XXXX Arizona time on XX/XX/XXXX and was told if I paid my tax bill I would have it included in escrow analysis scheduled for XX/XX/XXXX. The call was 6 minutes. 

I paid my XXXX 2nd half installment at XXXXXXXX XXXX Arizona time after getting the information above from the customer service rep at Shellpoint Per the email below, my escrow analysis date has changed to XX/XX/XXXX which means I would be out {$1500.00} for almost a year I had not received any information from Shellpoint even with corresponding with their General Counsel I just received a letter today XX/XX/XXXX that says Shellpoint is re-analyzing my escrow account. There is no commitment to when the escrow analysis will be completed other than the appropriate department will process the escrow analysis.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-16 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Aldous & Associates, PLLC
State: NY

Complaint narrative:
Ref : Any/all accounts you have now and in the future This letter is to formally advise you that I am requesting you to Cease and Desist, all communications with me immediately regarding any account that you have or receive in my name or social security # now and in the future and remove all negative marks your company added to my credit report. And if you are the original creditor this may apply to you. And since you are not the original creditor, you must comply. 

Your conduct thus far is unacceptable and borders on harassment. 
Please be advised that the following apply to you. 

Pursuant to the Fair Debt Collection Practices Act : Debt Collection Practices If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, and remove all negative marks from credit report doing the investigation of this case. The debt collector shall not communicate further with the consumer with respect to such debt. 

You are governed by this Act as a third party, debt collector or creditor attorney. All communication with me including phone calls to my home or business must stop immediately. 

The only communication you may have with me is to provide proof that the accounts, have been removed and the negative comments have been removed from my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: NC

Complaint narrative:
Mr Cooper has charged me {$1200.00} a year for 4 years for PMI when my loan balance is {$100000.00} and my tax assessment is {$290000.00}. They make it virtually impossible to submit a request for stopping PMI and this is just an Unfair and Deceptive Practice for their PMI revenue. Please tell them need to remove PMI from my account immediately and send me {$5000.00} for the last 4 years of payments in which I also have an XXXX credit score. This process is UDAAP and should be investigated by the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-16 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: Ditech Financial LLC
State: FL

Complaint narrative:
XX/XX/XXXX I deposited a check from an Insurance claim and it was returned, no fault of mine. Ditech reversed my mortgage payment of {$1200.00} and the insurance check of {$10000.00}, in XX/XX/XXXX. I have always paid my mortgage many days before the due date.Every month I pay an extra {$100.00} more than the mortgage payment. I have a mortgage with this company for many years and have NEVER been late. They requested the copies of my bank statement and canceled checks from my bank which I have provided. I wrote and called them every few weeks and spoke to several Managers and Customer Service Representatives. They have all promised to get the problem resolved and mail out 1 year of payment history. I have not received that from Ditech and lately I have been receiving my monthly statements late. I was informed that they are reassigning all my payments from XX/XX/XXXX to present from XX/XX/XXXX and that should resolve the problem. That has made things worst because they now have be owning {$10000.00} and reflecting that I only pay {$330.00} for interest payment for the entire year of XXXX. They have been reporting me to the credit bureau as paying late every month. Last week I received a letter that my property is in foreclosure and I need to respond to them by XX/XX/XXXX. I am a older person and this mortgage company is about to kill me. I would appreciate your assistance ASAP. Thanks.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: HUNTINGTON NATIONAL BANK, THE
State: MI

Complaint narrative:
EST contact was around XX/XX/2018, I would be short on money. I had mad arrangements for Huntington Bank to take 3 payment directly out of my checking account, for 3 months. It was from opening a bank account, and I had not put money into the account. So they fined me XXXX Now today I get a letter from a collection agency XXXX XXXX XXXX a collection company. I'm trying to fix my credit due to another company 's negligence, now I've paid this bank and their trying to collect again, worse yet reported to a collection agency further ruining my credit. I want it removed, since their trying to FRAUDULENTLY SCAM ME AND REPORT TO A CREDIT COLLECTION AGENCY, I WANT MONEY TO COMPENSATE THIS DISTRESS, AND I WANT TO PRESS CHARGES ON HUNTINGTON BANK FOR FRAUDULENTLY TRYING TO COLLECT AGAIN WITHOUT PRIOR NOTIFICATION, AND REPORTING THIS TO A COLLECTION AGENCY. HOW DARE THEM. 

Credit Services

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-16 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
On XX/XX/18, XXXX made several bank errors. She made unauthorized changes on my account. She also provided unfair and misleading information, which is costing me {$450.00} to maintain my relationship with the bank. I have several wrongly charged fees applied to my account due to her bank errors. The bank has refused to provide me my refunds after stating that they would reimburse me. I want them to honor their word and have my fees reimbursed as well as additional reimbursement from my pain and suffering this inconvenience has caused 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 monetary relief
Consumer complaint received 2019-02-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: GREAT LAKES
State: IN

Complaint narrative:
I've just reached out to Great Lakes, the loan provider, so maybe i'm jumping the gun. 

In 2018 I made every payment on time and in the same amount and the balance dropped incrementally from about {$81000.00} to {$72000.00} at end of year. My interest rate is 6.8 % on every loan that is bundled together in this payment. 

Meanwhile, my XXXX from Great Lakes shows {$8500.00} in interest paid in 2018. I'm not great at math, but this would imply an actual interest rate between 11 % and 12 % for the balance I carried. 

Is there any world in which this would make sense? My concern is that I was overcharged in 2018 and likely in past years as well.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: CT

Complaint narrative:
Midland funding has 2 fraudulent collection accounts on my credit report. One for {$740.00} and one for {$590.00}. They report as delinquent derogatory accounts on my credit report every month. They update as negative accounts every month against me. I have filed several disputes with the credit bureaus for the last 3 years and they have not taken any action. These are fraudulent accounts that I do not owe and that are not mine. They haven't proved or provided any agreements or contracts signed by me. They just ignore my disputes and keep on ruining my credit profile every month

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-16 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I tried to dispute due to the fact I have never lived in any other state besides California, yet, on my credit report shows an account with XXXX out of Georgia. I can prove through utility bills and rental lease that I was not in Georgia at the time of said account was being used in my name. The company did nothing to further investigate my claim, but decided it was an accurate account.

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 2019-02-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: CA

Complaint narrative:
I submitted my annual re-certification on XX/XX/XXXX. I provided all documents including a paycheck stub from my employer ( XXXX XXXX XXXX XXXX XXXX ) and noticed the payments were recalculated INCORRECTLY ( {$260.00} ). They are not following the LAW and calculating the payments based on line one of my paycheck stub which shows my XXXX XXXX monthly pay. They are not properly deducting my TSP contribution. 

I called on multiple occasions throughout XXXX and XXXX of XXXX and spoke with supervisors who told me I could not speak with the employees who perform the calculations to understand what was wrong. The supervisor called the loan processors and they said that I needed to resubmit my pay stub and identify which items are taxable and which should be deducted. 

I resubmitted my paycheck stub with clear calculations and indications as to what is taxable and what should be deducted. The recalculated my paycheck on XX/XX/XXXX again without performing any deductions. The new payment is {$410.00} which is drastically above what it should be. The company refuses to tell me how they are calculating my payments and in my opinion, are breaking the law.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-02-16 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WAKEFIELD & ASSOCIATES, INC.
State: TX

Complaint narrative:
This debt was the result of identity. I do not live in XXXX MI I am a resident of XXXX TX. I have a relative that has a substance abuse problem who uses my identity without my permission. the collection agency will not remove this debt and will not send me documentation that this is my debt. they rely on a third party form to verify the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-16 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Nelnet, Inc.
State: CA

Complaint narrative:
I applied for student loan consolidation through a new provider. The new provider paid all of my previous student loan debts. After the new provider paid Nelnet, Nelnet then added another XXXX dollars to my account ( to which they are also applying interest. ) I called three times asking for an explanation and was given three different answers. ( I always owed this money but it was never reflected on my account, This XXXX dollars was forgotten and never added to my account, if I had done my own calculations for my pay schedule I would have seen that I always owed this much. ) Each time I asked for a detailed account of why I owed this money. It was not provided after the first call, the second call but then after the third call, a pay history was sent explaining why I owed them money. They are now claiming i owe them XXXX and that I should be paying them every XXXX dollars every month - strange payment terms I never agreed to. I would also like to add on, their student loan forgiveness program is fraudulent in nature period as clearly they never had any intention of forgiving any loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-16 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: MO

Complaint narrative:
On XX/XX/XXXX we received notification from XXXX XXXX XXXX that our mortgage was being transferred to XXXX XXXX. In XX/XX/XXXX we sold our home. I have been trying to obtain my 1098 from XXXX XXXX to submit my taxes. The amount in question is one month of interest When I tried to contact them I was redirected to a company called Mr. Cooper. I contacted Mr. Cooper on XX/XX/XXXX but was told by the representatives there that they could not find my account. I faxed them the notification letter and the my escrow disclosure statement hoping it would help them locate the information. When I did not hear back from them, I followed up today but was told that they did not have access to my account information. I asked if they received the information I faxed earlier in the week and was told they could not access the account information. They suggested that I should contact XXXX XXXX  which I did, but was told that they only had information from the point of the transfer. I have received my 1098 from XXXX XXXX. 

XXXX XXXX suggested I notify you to see if you can assist in any way. Please advise.

Company response to consumer: Closed with explanation