vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-12-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC
State: PA

Complaint narrative:
On XXXX XXXX, Nation Star/Mr cooper received a payment from me for {$10000.00}. My balance was {$10000.00}, which should have left a balance of {$83.00}. On XXXX XXXX, I saw the check clear my account, so went on line to see if I could get a payoff amount. I noticed the {$10000.00} was " unapplied payment '' and my balance was still {$10000.00}. On the home page it stated congrats your loan is paid in full. I call and the girl on the phone told me that my account was paid off and I had no balance. I told her I should have a {$83.00} balance. She told me, I was wrong and there was {$100.00} escrow credit which was applied to my account. I told her the payment history did not show that and my most recent statement showed a balance of {$11000.00} with next payment as of XXXX/XXXX/XXXX, which was incorrect because it did not show my normal XXXX payment. She told me it would take a day or 2 to apply the payment, but my account was paid in full. I checked back on the XXXX of XXXX and their was not change to the history of the account, so I called again. I got the same run around and I was told it is in the satisfaction department and I was paid in full. On XXXX XXXX, I sent and email to them asking for my account to be updated because it was still showing {$10000.00} balance. They sent a generic email back stating someone would get back to me. On XXXX XXXX, I sent another email stating if it was not fixed I would be going to the CFPB, I received another generic email stating I would be receiving a letter within 10 day ( no letter ). SInce I did not receive a XXXX Statement in the mail, I went on line to check my account. There was no statement generated and the balance was still {$10000.00}. On XXXX XXXX, I sent another email, because the account is still showing a balance of {$10000.00}, I received a generic email back. On XXXX XXXX, I received a letter at my home, that they are researching my complaint and they have 30 days from when I notified them to resolve the complaint, however most of the time it is resolved in less than 30 days. It was already over 30 days from when they received my payment. On XXXX XXXX, I check my account and it is still showing a balance of {$10000.00}. 

I need a statement showing my payment was applied and the balance is {$83.00} and if there is an escrow credit of {$100.00}, it needs to show that, if not I need a true pay off figure. If my account is satisfied then I want my mortgage satisfied in the court house and proof the account is satisfied. I do n't want anything to show on my credit report years ago that I had a collection or missed payment for XXXX How hard is it to post a correct payment. How can it continue to show as payment applied, when my check was cashed?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SUNTRUST BANKS, INC.
State: VA

Complaint narrative:
I placed an order online with XXXX. The order was for 3 items. The charges posted to my account and were processed. And then showed up a second time in the pending transactions the following day. When I contacted SunTrust I was told the pending transactions would be removed from my statement. Now they are saying that they are going to charge me for the pending transactions, that they removed. Those transactions where not initiated by me or XXXX, and were SunTrust 's mistake in the first place. They should not be able to charge me for a transaction that I did not initiate. XXXX has stated that I only ordered the three items once, and that they where paid for them. Thus, SunTrust should not be able to remove an additional {$57.00} from my account a second time. I will attach statements from both XXXX customer service and SunTrust customer service, and a copy of my bank statement to this document. 
Kind Regards, XXXX XXXX XXXXXXXX

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 2017-12-21 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Colony Brands, Inc.
State: CA

Complaint narrative:
i XX/XX/XXXX5 26 accounts open through fraud. Two accounts still open and in dispute. The accounts were reported to credit agencies and ftc. Personally called open accounts and filed a dispute. They refuse to offer a letter to lender to say these are not my accounts. We are in an offer to by a home. the rate is at XXXX instead of XXXX because of this fraud

Company response to consumer: Untimely response
Consumer complaint received 2017-12-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Seterus, Inc.
State: NY

Complaint narrative:
XX/XX/XXXX XXXX : Property address XXXX XXXX XXXX XXXX NY XXXX Loan # XXXX I was given a modification by Seterus Servicer on XXXX. I have been making all of my payments on time. However Seterus servicer has been making mistakes on my account that have made me very XXXX and have had a toll on my health. This is my third complaint in less than three years. Three different serious mistake Seterus XXXX has done on my account. XXXX XXXX has my account suspended due to a mistake on their part. 1. ) I received a letter from Seterus XXXX datedXX/XX/XXXX stating that A payment that did not belong to my account was inadvertently posted to my mortgage account and XXXX reversed the payment that was posted in error. ( please see attached ). 
Again I find myself being threatened by Seterus on foreclosing on my house, due to their mistake. Seterus wants me to make extra payments. I dont have any extra money to make extra payments. I have made all of my payments on time. 2. ) My escrow payments should not have increased. I had a senior tax reduction on my taxes that started on XXXX and I faxed the proof on such reduction on XXXX ( see attached ) again Seterus gave me a hard time acknowledging this information and providing me with a new mortgage payment and statement until months later.

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 2017-12-21 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: The Cherrington Firm PLLC
State: MI

Complaint narrative:
They called me to collect a debt from a grocery delivery service. They have done a few things that were unlawful. First, have called me multiple times and then would just hang up when I answered. Second They lied to me, saying they represented XXXX XXXX XXXX. Also, they did n't send me written notice of the debt. ( they sent a letter to a wrong address ).

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-21 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: IL

Complaint narrative:
in XX/XX/XXXX I requested proof of signature on loan documents from XXXX 's, XXXX XXXX, XXXX XXXX/XXXX, XXXX XXXX and XXXX XXXX and again in XX/XX/XXXX. Also have filed several disputes over the last year and a half they keep verify the debt as accurate. I also have file multiple request For XXXX XXXX, XXXX and XXXX. XXXX and XXXX remove the accounts and just recently put they back on my reports no one will prove it I have made over a dozen request with each credit agency and company. I know they can not prove it because I never signed anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-21 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: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
Someone tried to obtain a credit card from PayPal through XXXX.I never applied nor would I.Iwrote a letter to PayPal to send a letter of Deletion to XXXX but after a month was told they were not able to comply because they use XXXX XXXX XXXX to do credit checks and the bank is responsible for all credit from PayPal. I contacted the bank and they said it was not their responsibility to resolve PayPal disputes.XXXX was very hard to reach and  said they could not help me without The Letter of Deletion from PayPal The date I was first aware of the fraud was XX/XX/XXXX,2017.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: BROKER SOLUTIONS, INC.
State: TX

Complaint narrative:
I had called on XXXX/XXXX/XXXX to get a payoff amount, I spoke with the new American Funding representative that stated I had a payment due. I explained to her my situation that Im going through a tough and stressful divorce that I wouldnt be able to make it. But that on XXXX/XXXX/XXXX New American Funding would be receiving full payoff. I had to sell my home due to the divorce. After being done with the conversation I understood I would be ok because XXXX XXXX XXXX would be receiving their funds in 5 Days. But now I am trying to get approved for a new home loan and can not get it because I had a misunderstanding and new American Funding report a late payment to my credit. I have never had an issue with them the whole 3 and a half years I was with them. I spoke with he XXXX XXXX XXXX XXXX XXXX on XXXX/XXXX/XXXX didnt get much help from him. I called back in the morning XXXX/XXXX/XXXX XXXX my time ( Texas ) and had to tell the whole thing all over to a representative in home retention ( XXXX ) She took the  message and said the manager above XXXX was in a meeting but would give me a call later in the day. I never got a call back. I called again and spoke with another home retention representative which couldnt or wouldnt get me to a manager. She just kept saying well new American Funding would not remove something from he credit. All I wanted was some help to fix this misunderstanding that happened because of their communication. And got nothing in return but a no we cant or we wont do that, even after receiving full payout this morning ( XXXX/XXXX/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 2017-12-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: FL

Complaint narrative:
XXXX XXXX I became XXXX and approved on XXXX XXXX. XXXX XXXX foreclosure avoided, renegotiated loan with Bayview Loan servicing. House appraised at {$71000.00}. I got the house back for {$100000.00} with {$45000.00} pushed back to end of loan so I could qualify and make mortgage payments. Bayview officer came to my home to sign one document. 
XXXX XXXX XXXX I applied for mortgage susp for XXXX months to do repairs after Irma. Bayview responded  by selling mortgage to XXXX servicing and no suspention of payments. XXXX rep refused susp of payments. 
XXXX servicing read the contract to me over the phone and sent a copy. I have never seen or agreed to part two of contract. They are adding {$45000.00} to the loan for late fees and interest that were waived in renegotiation. 
Back in XXXX I had a choice between taking a {$30000.00} payment and moving or to renegotiate loan. There is no way I would pay twice the value of the house. That 's why it was reappraised.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-21 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Sent card you never applied for
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
After being approved for a JC Pennys account through XXXX XXXX, I was unable to access my mail to receive my new card due to Hurricane Harvey. I explained this to SXXXX XXXX, asking if they could send another card to my temporary address. They declined because it was a " new account ''. Instead, they closed the account. I did not ask or authorize them to open another account. That was never discussed nor requested. 

I also requested Synchrony to cancel my application for the XXXX and XXXX XXXX credit card because of the hassle they were giving me. They did not In XXXX XXXX  store, I applied for credit. The store connected me with a representative from XXXX XXXX. I explained to the sales guy at XXXX and the representative on the phone that I did not want credit through XXXX XXXX and I only wanted XXXX XXXX credit ( which was approved ). I received a credit card from Synchrony almost two weeks later. I immediately contacted Synchrony via certified mail and phone asking them to remove that account. It should have never been opened. 

As a result, XXXX XXXX is reporting several accounts on my credit report. 
( 2 JCPenny XXXX, 2 XXXX accounts, and 2 XXXX XXXX accounts ). This is affecting my credit because it looks as though I have numerous account. This is not true and therefore is not in compliance with The Fair Credit Reporting Act, 15 U.S.C. 1681. They are reporting accounts as closed due to lost or stolen credit cards. I have NEVER reported any cards as lost or stolen. 

I never applied for second accounts nor request for them to. I never received cards for the accounts nor authorized anyone else to.

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 2017-12-21 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: AES/PHEAA
State: CA

Complaint narrative:
Step 1 : What is this complaint about? 
Back in XXXX I transferred all my credits from XXXX college to XXXX XXXX, graduated in XXXX ; however, the school was shut down and no longer accredited. 

Step 2 : What type of problem are you having? 
I 've been to several job interviews and my degree is not accepted due to the accreditation. I 've been told the that my transcript and degree not accepted or recognized. I lost my job on XXXX XXXX, currently back in school pursuing another degree at a junior college. 

Step 3 : What happened? 
The Board of Education did not recognize XXXX-XXXX XXXX ; therefore, the grades/transcripts are not transferable and degree not recognized. 

Step 4 : What company is this complaint about? 
XXXX-XXXX XXXX, CA Step 5 : Who are the people involved? 
I currently owe money to XXXX ( Private Loan ) Total {$14000.00} and XXXX ( Department of Education ) Total {$39000.00}. My original loan was {$77.00} XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: PA

Complaint narrative:
I am losing my home to foreclosure. The mortgage company Select Portfolio Servicing had sent me a letter with a number and email address for someone I can ask questions about my situation. I emailed them to ask if there was anyway that they can delay the foreclosure sale for a few months due to the fact that I ca n't find a place to live. I am recently divorced. My ex-husband ruined my credit, so I am having a hard time finding a place to live. They did send me a letter telling me that they would give me {$3000.00} if I leave the house. That sounds great but If I do n't have any where to live, that wo n't help. I never received an answer about delaying the sale. This is a really stressful time for me. It 's bad enough that after 25 years they are taking the house, but I need some more time to find a place to live. My car is n't big enough for my belongings. This mortgage company always stresses how much they want to help me. They have done nothing for me except create more stress in my life.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I 'm a victim of the breach and also been a victim of identity theft before the breach. I need these hard inquiries removed because I have no knowledge of these. I did n't inquiry for accounts with them. I would like for these to be removed from my reports. 
XXXX XXXX XXXX XXXX XXXX - XXXX/XXXX/XXXX, XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2017-12-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I 'm a victim of the breach and also been a victim of identity theft before the breach. I need these hard inquiries removed because I have no knowledge of these. I did n't inquiry for accounts with them. I would like for these to be removed from my reports. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2017-12-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: DISCOVER BANK
State: FL

Complaint narrative:
I have a credit card with Discover, first opened around XXXX. Sometime around XXXX I was a few days late on a minimum payment one time. Discover hit me with a " penalty APR '' in which they increased my APR to 29 %. That was roughly 10 years ago. To date, I am still paying that same penalty APR of 29 %. I have not been late with them, always made timely payments since, and have excellent credit. I have made numerous attempts to resolve the issue as to why I am still paying a penalty APR 10 years after being late one time. I have made several attempts to work this out with Discover but only receive generic responses. Most recently I sent emails on XXXX/XXXX/XXXX and XXXX/XXXX/XXXX, both times was told there is nothing they can do. 

If I understand the FCBA rule correctly, my credit card company can hit me with a penalty APR if I am a few days late, but they ca n't just increase my rate indefinitely. After 6 months of on time payments, if I am correct, they are supposed to readjust my rate to the APR previous to the penalty. That was about 10 years ago, and they never did, therefore I have been over paying interest charges to Discover at 29 % APR for the last 10 years, instead of around the 18 % I previously had. 

What recourse do I have? I want to file a complaint, but I also feel that my APR should have been reduced back down to the pre-penalty APR after 6 months of on time payments, which it never was. This has cost me a lot in unnecessary additional interest charges. Also, I can never pay the balance down because only {$10.00} of my minimum payment goes to the principal when my APR is 29 %.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
I have been getting recorded calls from a collection agency telling me to get in touch with a different number to settle a debt. I have called them multiple times stating that the person they are looking for is not longer the owner of this phone number and I have been told that they will remove it from their list. However, after many months they keep on calling at least twice a day and now I do not know what else I can do.

Company response to consumer: Closed with explanation