vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-06-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: CO

Complaint narrative:
because of the mismanagement of funds by XXXX XXXX XXXX XXXX we were required to file bankruptcy ( chap XXXX ) in XXXX to save our home.on XXXX/XXXX/XXXX the bankruptcy was finished and cleared. during the bankruptcy our mortgage was transferred to shellpoint mortgage servicing co. immediately after the bankruptcy was finished ( XXXX/XXXX/XXXX ) shellpoint served us with a " notice of default and intent to accelerate '' in an attempt to collect {$19000.00} which they said was was still owed. we hired an attorney XXXX XXXX XXXX, and after almost a year shellpoint admitted that we were actually current and did not owe these sums. in the meantime they have reported us 3 months late on payments causing our credit to plummet a XXXX points.further they were paying our property taxes even though they were collecting escrow for them. in an attempt to get away from them we tried to refi our mortgage with XXXX XXXX XXXX but because of the poor credit score the rate was no different than with them so this is costing us approximately {$800.00} a month in extra money.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-22 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 — Problem with personal statement of dispute
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
To Whom It May Concern : My complaint involves my Macy Account of approximately 20 years. I have patronized Macy 's for many years hence spent lots of money and was NEVER late on a payment until ; I changed from paper billing to online billing in XX/XX/XXXX. Not being totally use to the billing cycle online and having had a major health issue, a couple of payment got away from me and I was late with a couple of payments in XX/XX/XXXX/XX/XX/XXXX. <P/>In XX/XX/XXXX, I had a death in the family and unfortunately lost track again with online billing added to the stress of life and was a couple of paymentsXX/XX/XXXX. Both these situations caused Macy 's to report negatively to the credit bureau 's dating XX/XX/XXXX and XX/XX/XXXX. I would also like to mention, the payments were minor maybe {$10.00} to {$50.00} total for each. <P/>I have been working diligently to clean up my reports and Macy 's is the last company that is affecting my score negatively. I 'm told this negative reporting will continue for a total of 7 years. Please let me know if this in anyway can be removed as a courtesy for a loyal customer of 20 years. I am currently in good standing with Macy 's. <P/>Thank you in advance.. I appreciate it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
Despite the required advance notice required by law for credit card companies to close accounts, My Credit Cards were closed without any notice, reason, justification, or detailed explanation. A week or so after the accounts were closed I received letters stating the accounts would be closed due to inappropriate behavior. I inquired as to what this behavior was, as they had n't really been used in a while, and the only real thing I 'd done recently was file a complaint with the cfpb exercising my rights as one of my affected accounts USAA violated my consumer rights by placing a bunch of " transfer adjustments '' on one of my cards, with no warning, explanation or reason. When I inquired, I was told they reversed a billing dispute which had been finalized a year prior. Despite writing and telling me the billing dispute was found in my favor and final they still recharged me against the consumer laws, with no warning or explanation. They ignored my requests for documentation, yet have yet to even reaceive my monthly statemtn in months. As a result of filing a complaint, all of my credit cards were then closed without my knowledge. Only after they were closed did USAA send me anything telling me they were closed. However, they failed to provide a detailed explanation despite my repeated requests. Stating it was due to improper behavior, yet unable to comment or specify what this behavior was for each affected account.One of which had not been used in years.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Nelnet, Inc.
State: NC

Complaint narrative:
My student loans are wi th Nelnet. When I sign into my account, I can not get any information regarding the term of the loan or how many payments I have left. The only payment details offered are " as of 2014 '', but do not give any term or number of payments left. I chatted with 2 separate representatives and they said that information was not available to me. I said I  find it hard to believe that a payor is not entitled to that basic information and they just maintained it is not. This can not be legal. All I want is some documentation as to the term of my loan and how many payments are left.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
On XXXX/XXXX/2016 sent a debt validation letter via certified mail and I never receive anything back from this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
On XX/XX/XXXX I responded to a personalized offer received from USAA for the Limitless Cashback Rewards Visa Signature Card offering 2.5 % cash back. I was subsequently denied for the card. When I called in to inquire I was told I would receive a letter stating why I was denied. However, the only letter I received from USAA regarding this application was a notice saying I Was declined offering me the opportunity to open a secured credit card with them. There was no reason given for the denial, or other options or explanations. This came as a shock as it was a personalized offer sent and titled to me, which generally have higher acceptance rates due to their intentional targeting based of their knowledge of the targets current credit profile.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I have sent this company several letters requesting validation of the claimed debt and they have not provided me with viable evidence.They are claiming I owe {$750.00}. I sent them a letter on XXXX/XXXX/2017. They then sent the account to another company and I requested validation of the debt with them as well and they have not provided it. They are giving me the run around and they are not verifying this unverifiable account. I have attached the letter I sent to both XXXX XXXX XXXX and the law office they sent the account to, XXXX XXXX XXXX XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-22 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BBVA FINANCIAL CORPORATION
State: FL

Complaint narrative:
I spoke with XXXX XXXX at BBVA compass in XXXX, Fl. About a home equity loan. I told XXXX XXXX specifically in the presence of my wife, XXXX XXXX, that I did not wish for a credit report to be run until I decided to apply for the loan. XXXX XXXX assured me no credit report would be run until I was ready. I arrived home today, XXXX XXXX, 2017 to find in the mail two credit reports had been run. When I called XXXX XXXX she matter of factly stated that credit reports are run when she submits inquiries about loans. I thought consumers had the right to be protected from this practice when they specifically requested it not be done. Please respond to me at XXXX With high regards. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Selip & Stylianou, LLP
State: NY

Complaint narrative:
They are claiming I owe {$750.00}. I sent a letter on XXXX/XXXX/2017 to XXXX XXXX, XXXX. They then sent the account to another company and I requested validation of the debt with them as well and they have not provided it. They are giving me the run around and they are not verifying this unverifiable account. I have attached the letter I sent to both XXXX XXXX XXXX and the law office they sent the account to, SELIP & STYLIANOU , LLP. and they have not provided me with viable evidence.

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 2017-06-22 00:00:00
Product: Debt collection — Private student loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: TRANSWORLD SYSTEMS INC
State: PA

Complaint narrative:
Transworld Systems Inc. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX. They are calling my friends. I have no idea how they are getting their numbers. Called several times over the past week from XXXX, XXXX and XXXX. My friends have repeatedly asked them to stop calling. I have asked them to stop calling me yet they continue to call.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-22 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: TN

Complaint narrative:
I have an account with One Main Financial. They are reporting interest that have not accrued yet on the loan monthly to all three Credit Bureaus. On my credit reports its stating I owe One Main Financial {$11000.00}. I only owe a balance of {$7400.00}. In the month ofXX/XX/XXXX, I disputed the amount they said I owe via certified mail to XXXX with my supporting documentation print out from One Main. XXXX received the information onXX/XX/XXXX. Weeks later, the correct balance was updated to the amount then that I owed which was {$7500.00}. Now this month One Main has updated it with a balance of {$11000.00} which is inaccurate. This month of XX/XX/XXXX I sent in via certified mail to XXXX along with my supporting documentation of how much I owe they received this information on XX/XX/XXXX, I called XXXX on today XX/XX/XXXX to see if my balance has been updated to the correct amount. The representative informed me it did, I then proceed to ask her what balance it was stating, she said, " it 's an update of {$11000.00} ''. I made her aware that the balance is still incorrect and informed her I even sent in supporting documentation that came from One Main saying how much I actually owe.This is an ongoing situation where they updated the correct balance when I first sent in the dispute to XXXX, now they are back to reporting an inaccurate balance to all three Credit Bureaus that I do n't currently owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-22 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Credit limit changed — 
Company: Conn's, Inc.
State: CA

Complaint narrative:
I was approved for a credit limit of {$3500.00} and I got electronics from the store ( which I found out was over priced ) for {$3400.00}. The product I was given was an open item. A laptop which had someones log in and i could not use it for 2 weeks until I had to fly back to XXXX to exchange it. Costing me 2 weeks back up of work. Later when I was about to make my first payment, instead of the {$200.00} that was agreed i got a bill for almost {$500.00} a month. I called the store and was told there has been a mistake and I will have to call corporate to sort it out. I did and the lady I spoke with at corporate told me to hold of on payment until a new contract is done and sent for me to e-sign. I never received any thing to resign but found out it was reduced to {$12000.00} which was still way more than what I was approved for. My credit report shows that I have a {$17000.00} balance with Conn Credit Corp. Increasing my DTI. I was only approved for {$3500.00} and I did not take products worth that much. I called again and after getting harassing calls from Conns to make payments every 30 to 40 minutes, they reduced it to {$10000.00} without me signing anything. It has been so frustrating and it keeps getting worse. They signed me up for 4 different unsolicited insurance policies that I did not request for. Unemployment, life, home owners and health insurance. I called again and after being transferred so many times I was told I have to go to the store to pick up the new contract which I did not sign for and the bill is still almost {$500.00} per month and I also will have to cancel the unsolicited insurance at the store. <P/>I ran a check at different stores for the prices for the same items I purchased and the original prices they sell them for and made a settlement offer to Conns so I could leave this behind. They declined the offered and have still not resolved the issues till not but but my voicemail gets full everyday because I get a call at least 2 times in one hour. <P/>I am willing to pay in full the real value of these items which is a total of about {$1400.00} and have Conns remove the credit reports on my credit as well as cancel the unsolicited insurance to resolve this issue. <P/>Thank you for your help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-22 00:00:00
Product: Debt collection — Private student loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: AES/PHEAA
State: PA

Complaint narrative:
XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, PA XXXX XXXX.
They are calling my friends. I have no idea how they are getting their numbers. Called several times over the past week from XXXX, XXXX and XXXX. My friends have repeatedly asked them to stop calling. I have asked them to stop calling me yet they continue to call.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: TX

Complaint narrative:
This company place this on my credit report and disputed it and call them and sent them a letter asking them to send me proof that this is debt belongs to me which they have not. I know they received the letter because I mail it certified on XXXX XXXX,2017 and they received it XXXX XXXX, 2017. plus I gave them 30 day to reply which they have not, so I am filing a complaint with you to have them provide what I have requested or have them remove it off 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 2017-06-22 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
I was one of the many that opened a Savings & Checking Account with Wells Fargo in Colorado and told the credit card was the only way I could get cash from my accounts through their ATM. Fast forward to a new issue ; I opened a Roth IRA with Wells Fargo in XXXX, CO in XXXX. I was told this was a safe and secure account to earn interest and increase the savings as any IRA but not too aggressive to lose money. The account has earned next to nothing since inception. After requesting more information on what this account was actually invested in, and not getting answers, I requested a transfer form to move the account to another financial institution. This started in XXXX, XXXX and I have sent multiple emails, phone requests and in person banking requests and to date have not received the form. On XXXX XXXX, XXXX I received a letter from XXXX XXXX and another letter from XXXX XXXX stating they would 'investigate my concerns ' and get back to me in 10 days. To date they have not sent the form. My complaint is to find why my Roth IRA did not earn interest in almost 10 years. And, to receive the correct form from Wells Fargo to transfer my Roth IRA to my new financial institution. Thank you.

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 2017-06-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
In XX/XX/XXXX we went to seek help to save our home thru a modification with an organization called XXXX. My husband and I were told this was a NON-PROFIT organization but as we discovered, it was far from Non-profit. We were asked to pay {$1000.00} to {$1500.00} a month and did so for the next 2 years. We never received our modification and our home is scheduled for foreclosure on XX/XX/XXXX. This is a Wells Fargo Loan and we told them we were victims of FRAUD, they stated they did not get involved with 3rd parties. We are currently in for a modification but struggling to see a good result as now the bank has scheduled a foreclosure and says we are still under review for a modification. I was under the understanding that a foreclosure could not be initiated if you were in for a modification, but that appears to not be the case.Please note : within my attached documents ( document scan # 3 ) is an authorization to please contact XXXX  XXXX with any correspondence and she can be reached at XXXX or via email : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-22 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Credit denial
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
On XXXX XXXX, I went to XXXX XXXX XXXX in XXXX to lease a car. They use ALLY bank for the leases. Ally says the can not lease du to information on my credit report that Ally got from a company called XXXX. I contact XXXX to get a copy but no one ever answers their phone ( XXXX ) or returns a phone call if you leave a message. I contacted Ally and since they have no employees who can speak English they kept transferring me around. 4 transfers and no one who can answer a question about credit reporting.

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 2017-06-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
Bank of America lending officer ( XXXX XXXX, nmls ID : XXXX, ) will not provide Loan Estimate as per my request. All information outlined by the cfpb as constituting an application was provided to the lending officer.
<P/>
Request was reinforced by sending to link to cfpb website outlining the requirements.

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 2017-06-22 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
I graduated from XXXX school on XXXX XXXX, 2017. In XX/XX/XXXX, I received a letter stating that my in-school deferment was ending sometime in XXXX and that the company would send me an additional letter with payment schedule ( which I never received by the way ). On XXXX XXXX, 2017, I tried calling Navient to place my account on a three-month forbearance. As I am studying for the XXXX XXXX XXXX which is being administered on XX/XX/XXXX and XX/XX/XXXX, I am unable to work full-time and earn income to repay my student loan until XX/XX/XXXX. All I asked is that my payments be postponed until XX/XX/XXXX. I spoke to two separate representatives from Navient advised me that it would cost me a " one-time '' fee {$50.00} to place my loan on forbearance. This fee would n't be applied to the principal of my loan, it appears that it would just be pocketed by the company. Mind you, my student loan payment is {$70.00} per month. If I do n't have an extra {$70.00} to make my XX/XX/XXXX payment, I do n't have an extra {$50.00} to pay a forbearance fee. The company refused to waive the fee and threatened to go after my co-signer if I do n't make my payments. Additionally, the customer service representative proceeded to ask for my checking account information, which I refused to give in fear that the company would make an unauthorized charge on my account. Essentially, the company is setting students up for failure who are trying to be proactive about obtaining a forbearance in advance of accumulating missed payments. This is an unfair business practice, as it appears that instead of working with borrowers who are struggling to repay their loans, Navient is capitalizing off of their financial hardship instead.

Company response to consumer: Closed with explanation