vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-01-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: MO

Complaint narrative:
On XX/XX/XXXX XXXX I talked with Mr. XXXX , customer relations representative from XXXX Tx . I asked Mr. XXXX about the interest amount paid as of XX/XX/XXXX. per Mr. XXXX `` I can not tell you the amount of interest paid on your account. '' When I asked him why he could not tell me the amount, per Mr. XXXX " it is not company policy. '' He could tell me that the interest rate on loan is 8.5 %. Per Mr XXXX he could tell e the of principle on the loan that due is XXXX as of XX/XX/XXXX. Per Mr. XXXX " a mailing was sent regarding the interest being paid first then principle. '' This was a surprise to me, He stated " will resend to mailing adddress ''. Per Mr. XXXX the " industry standard information is not part of your original closing loan document file, the title closing agent did not confirm language, acknowledgment verbally, no signature as included in orginial loan file. You were not advised of the industry standard. I informed Mr. XXXX the term industry standard was not relayed to us at closing or after loan transfer to Nationstar mortgage. Nationstar failed to disclose the amount of interest paid on my account is a violation of my rights as coborrower. 
During loan transfer from XXXX to Nationstar, after review of loan files, fail to obtain industry standard signature, verbal acknowledgment from borrowers of loan after XX/XX/XXXX.  Nationstar neglected to convey specififications of the real estate loan transfer transcation. Interest being paid first then principle, letter not received. No verification it was received by me on file. 
Fail to investigate customer complaints. Qualified written request sent to ceo cerifitid on XX/XX/XXXX, requesting additonal information on servicing of loan.Through account history print out I discovered overcharges unexplained fees, invalid late fee assessed, inconsistent interest increases. Low amounts applied to principle, invalid late fee from bank draft authorization. Payments applied to suspense account without disclosure to me, code/description used for deduction from monthly payments. Such as corporat advance fee, non cash fee adjustments, and QC fee all were outlined in letter to ceo. 
Second qualified written request regarding servicing of my loan was XX/XX/XXXX, an acknowledgement letter sent, no follow up or investigation into complaint. Mr. Cooper continues to perpetuate the predatory lending practices against me. Being an elder couple we were unwitting victims of the housing scam era. The numerous deficiencies in accounting payments, failing to follow up with customer. Facts are contractual monthly payment for 139 months received on loan has paid off the loan amount of XXXX Zero credit toward interest means over XXXX has been paid and the remaining amount of XXXX still due is a proof of a fraudulent loan scam against me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-22 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bronstein & Weiss Arbitration
State: GA

Complaint narrative:
I was first contacted by Bronstein & Weiss Arbitration about 2 years ago about a pay day loan taken out in XXXX, Ohio by a woman who had the same name. They called the home of my elderly parents and were rude and threatened to serve me papers at their address. The papers were never served. A few months after that the abusive phone calls started again. This time they were calling my parents and my cell phone leaving messages that they would come serve me at my job. In XX/XX/XXXX they contacted my parents again and called my cell phone. When I answered the man on the line was extremely rude telling me to pay what I owe and that because of Trumps presidency he could speak to me in any tone of voice. The man hung up on me. After calling and being hung up on 3-4 more times I finally got a person on the phone. We compared information and determined that I was not the account holder. The social security number, address, date of birth, and place of employment were different from mines. Fast-forward to XX/XX/XXXX and I am still receiving threatening phone calls to my parents home and my cell phone. I have asked for documentation but of course I haven't gotten any because this person lives in Ohio and I live in Georgia. They have threatened to come to my job but I don't work at XXXX XXXX in Ohio. They are scarring my parents and causing my problems at work because they keep calling my cell phone.

Company response to consumer: Untimely response
Consumer complaint received 2019-01-22 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Cashing a check
Company: SUNTRUST BANKS, INC.
State: GA

Complaint narrative:
On Tuesday, XXXX XXXX around XXXX I visited Suntrust Bank , XXXX XXXX XXXX XXXX, XXXX , GA XXXX. The purpose for this visit was to cash a check written to me personally. The check was drawn on the business account of my employer which is a Suntrust account. I do not have a personal account with this bank. Suntrust refused to honor the check unless I paid a fee. I believe this to be a violation of the intent of Section 6000, Subpart 229 ( Availability of Funds ) of the Federal Deposit Insurance Corporation guidelines as well as the guidelines of the Office of the Comptroller of the Currency of the U.S. Treasury Department, as the holder of the account ( issuer of the check ) is a customer of the bank.

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 2019-01-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Frontline Asset Strategies, LLC
State: TX

Complaint narrative:
I've contacted Frontline Asset Strategies / XXXX XXXX XXXX about a XXXX   XXXX line of credit that was fraudulently obtained in my name. A police report was filed and all 3 credit bureaus notified. The XXXX XXXX account ending in XXXX was removed but XXXX XXXX XXXX has added it back to my credit profile with themselves listed as the creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: AK

Complaint narrative:
In XX/XX/XXXX, I was approved for a modification through Wells Fargo. I was going through a traumatic divorce and they knew it. They were provided a quit claim deed and draft divorce in XX/XX/XXXX. I made my payments on time on XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX. In XXXX, Wells Fargo cancelled my modification without allowing my to finalize. They later stated that I had refused to have my ex-husband sign, which is false. My ex-husband refused to sign stating he had signed a quick claim deed and the house was awarded to me on XX/XX/XXXX. I also had a protective order against him because he was trying to kill me. Wells Fargo also stated that I have not provided the documentation required even though I had emails proving that I had. They forced me to open a new modification request, denied it in XX/XX/XXXX. I pursued escalation and they opened another request and approved. I made my trial payments again and am awaiting finalizing. I have asked that they correct my credit report to show I made my payments and to correct the damage their actions caused.

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 2019-01-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
BANK OF AMERICA/ XXXX TRANSFERRED THE MONEY TO A WRONG RECIPIENT On XX/XX/XXXX, I sent {$2500.00} to XXXX XXXX . The $ left my personal checking account but never got to his account ; I used his cell number and full name to make the transfer. The XXXX transfer confirmation # for the transaction is XXXX o On XX/XX/XXXX, I initiated a dispute ( claim number XXXX ) with Bank of America to get the XXXX back. 2 weeks later, BOFA sent me a letter closing the case saying that the investigation was closed and there was nothing else i could do to receive the $ back. They said anyone can attach their phone number to anyones account ... makes no sense! where is the anti-fraud protection? I called BOFA several times, i went to the branch and no one can help. 
XXXX was also contacted with no help. They blame BOFA and vice versa. No one takes the responsibility to pay their client back the money that was never delivered. 
What can be done? I find hard to believe that being as big as XXXX is ( and it is owned by banks ), the services can be so unreliable. PS : I saw the bank statement from XXXX XXXX and i verified the money was never received by him. 
Thanks for your help, i hope there is something we can do to get the $ back from them. 
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 2019-01-22 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I have been trying to reach a live person to speak to at experian credit reporting agency. The only number I have to contact them is XXXX. A recording keeps coming on asking to push 1 for fraud information and 2 to order your credit report. It is impossible to speak with someone. I have disputed in writing several times incorrect information on my experian credit report. I can't even get online to submit a dispute. I have a report number but the website won't allow me on. I have disputed an account ( XXXX XXXX XXXX XXXX XXXX ) that is showing as negative on my report. This information is INCORRECT. I've had several combined loans years ago with XXXX XXXX XXXX XXXX XXXX and have paid the balance in full. It's reporting as a write off which is completely wrong. Having this wrong information is hurting my credit score. XXXX  has deleted the account I do not understand why experian and XXXX are still reporting this. I contacted XXXX  and was told they received there response to the investigation and it will be deleted off my credit report. The same response should have been received to experian and XXXX as well. Another account I have is XXXX XXXX dept store. It is showing as a late payment back from XXXX. This is also incorrect! I have never been late in paying XXXX again XXXX  has corrected it but experian just keeps updating the same information. The last one is XXXX XXXX XXXX. There are fraudulant charges on that account from XXXX. My credit score is being affected due to wrong information reporting. I am submitting this complaint because experian doesn't care to take the time for the consumer and do a true investagation. My credit is most important to me and I am aggravated that you can't even speak to a live person to dispute these accounts again. I also have disputed them as I mentioned earlier in writing several times. One time they gave me a wrong PO Box number and my letter was returned to 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 explanation
Consumer complaint received 2019-01-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: TN

Complaint narrative:
I have submitted my loans in a Chapter XXXX and converted to a Chapter XXXX Bankruptcy dismissing the loans. Ive tried several times to get a lower payment because I was unemployed. I have been offered deferments or forbearances simply by responding yes to a text message not knowing interest was accruing. I never heard back after informing them I lost my job. I would like to have my loans forgiven or discharged because I wasnt aware of what I was signing and the outcome. I suffer from XXXX XXXX that affects my judgement to make sound financial decisions.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-22 00:00:00
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
I was recently informed of an ongoing lawsuit against Citibank Private Student Loans regarding their practices. Back in XX/XX/2017, my daughter submitted a Co-Signer Release Form to release me ( Her Mother ) of any financial obligation due to her having full-time employment. Not only did I not get released, but apparently, I am showing a derogatory mark on my credit report. The loan was removed from my daughters name and apparently put into mine. My daughter has since pulled her credit report, and the student loan is not showing. Its on mine showing closed. Neither my daughter or myself got anything from Citibank explaining the situation or have received any statements. This was also during a time that Citibank sold their student loans to XXXX. We have paid off the XXXX Loans. This is apparently a part of the suite that is against Citibank mishandling their Private Student Loans. We also found out that my daughter was eligible to claim her interest, when they told her she was not. 

I would like a response from Citibank as to why an unsettled balance I s showing on my credit report as the co-signer, but the student loan shows transferred and paid on my daughters credit report. And why we have not received any statements or other paperwork explaining. Im hoping to get legal assistance with this, but thought I would try here first.

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 2019-01-22 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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I have been trying to reach a live person to speak to at XXXX  credit reporting agency. The only number I have to contact them is XXXX. A recording keeps coming on asking to push 1 for fraud information and 2 to order your credit report. It is impossible to speak with someone. I have disputed in writing several times incorrect information on my XXXX credit report. I can't even get online to submit a dispute. I have a report number but the website won't allow me on. I have disputed an account ( XXXX XXXX XXXX XXXX XXXX ) that is showing as negative on my report. This information is INCORRECT. I've had several combined loans years ago with XXXX XXXX XXXX XXXX XXXX and have paid the balance in full. It's reporting as a write off which is completely wrong. Having this wrong information is hurting my credit score. XXXX has deleted the account I do not understand why XXXX  and transunion are still reporting this. I contacted XXXX and was told they received there response to the investigation and it will be deleted off my credit report. The same response should have been received to XXXX  and transunion as well. Another account I have is XXXX XXXX dept store. It is showing as a late payment back from XXXX. This is also incorrect! I have never been late in paying XXXX again XXXX has corrected it but experian just keeps updating the same information. The last one is XXXX  XXXX XXXX. There are fraudulant charges on that account from XXXX. My credit score is being affected due to wrong information reporting. I am submitting this complaint because XXXX  doesn't care to take the time for the consumer and do a true investagation. My credit is most important to me and I am aggravated that you can't even speak to a live person to dispute these accounts again. I also have disputed them as I mentioned earlier in writing several times. One time they gave me a wrong PO Box number and my letter was returned to 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 explanation
Consumer complaint received 2019-01-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: DC

Complaint narrative:
I've had nothing but problems since this company took over my XXXX mortgage only a few months ago. Most recently, I received a notice that my payment was not made for this month. I checked my bank account and saw that the normal payment was debited. I called the company and they told me that due to an escrow analysis, the monthly payment had increased for XX/XX/XXXX. They told me that the payment was made, but for the lower amount and the account was sitting in an unapplied funds status. I told them that I never received an increase notice or an escrow analysis. I only received a notice that they recently changed their name from XXXX XXXX to XXXX. I have had my mortgage for a while and never missed a payment and was never late, as I have my payment on auto pay thru my online banking. I asked if the late fee could be refunded as a one time courtesy, due to my relationship and history of on time payments. The rep told me that nothing could be done. I would like to have the late fee waived, as I have adjusted my payments to include the new increased payment and paid the difference to bring my account current. If nothing can be done, I will pursue other options, as far as taking my business elsewhere.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: CREDIT ACCEPTANCE CORPORATION
State: MN

Complaint narrative:
I recently purchased a new vehicle and traded in my XXXX XXXX XXXX. The dealership paid off my existing loan with Credit Acceptance Corp on XX/XX/XXXX. I contacted Credit Acceptance Corp after that date and asked when I would get my refund of the over payment. They stated I will have it by XX/XX/XXXX. Not sure why it takes 4 weeks to refund someone an over-payment when they have it all on their books effective XX/XX/XXXX. 

I called about four times through last week asking about my refund and they finally told me that it was {$540.00} approximately. I asked when they check was sent they stated XX/XX/XXXX. They also sent a separate document that laid out the payoff. I received that document via regular mail on XX/XX/XXXX. The check was not included in that letter. I called Credit Acceptance Corp again and they stated that letter comes out of a separate department than my refund check but they were both sent the same day. To this day I still have not received my check. 

This complaint is being filed because they have had my money for over a month and continue to tell me its in the mail when its been 12 days and I still have nothing, it should have arrived the same day as the other document. I am starting to thing they are scamming me and do not have the money to refund me. I ask the CFPB to look into this matter to investigate for potential fraudulent activity by Credit Acceptance Corp.

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 2019-01-22 00:00:00
Product: Credit card or prepaid card — Store credit 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: CITIBANK, N.A.
State: IN

Complaint narrative:
In XX/XX/2018, I was made aware that Best Buy Card Services had been reporting my credit card as being paid late since XX/XX/2018. 
I had no used my Best Buy card for some time and didnt have a balance so I was very concerned and called Best Buy. 

Upon further investigation it was found that my card was fraudulently used in XX/XX/2018 for a purchase of approximately {$20.00}. Best Buy agreed to remove the charge at that time as well as all late charges and update my credit report to reflect what had happened. 

I have called Best Buy three more times since my initial call in XX/XX/2018. Each time they acknowledge the fraudulent charge and late fees that are on the account are there incorrectly and tell me that in the next billing cycle I will see my account updated and all charges removed. It is now nearing the end of XX/XX/XXXX, and three months has passed. My account is still being charged late fees and my credit report has not been corrected, instead they continue to report my account delinquent and have since lowered my credit line from to {$2000.00} to {$100.00} as well as continue to charge late fees on the 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 monetary relief
Consumer complaint received 2019-01-22 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 — Their investigation did not fix an error on your report
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Synchrony /XXXX  XXXX I have contacted XXXX many times and there refuse to stop reporting on this account after it was sold A clear violation of reporting They state You are reporting every month after it was sold I faxed to day XXXX  XXXX copies of your documents asking to remove this account from XXXX . Please Remove this account respond through the CFPB you will or refuse so I can proceed with what action I will need to take. enclosed are your documents and a copy of XXXX credit report 10 days from the date CFPB sends to you to respond is fair

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