vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-08-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Capital Markets Cooporative, LLC
State: IN

Complaint narrative:
I am having difficulty getting CMC Funding to apply my payments properly. 
I always overpay my monthly bill to reduce the principle faster, and therefore pay less interest over the term of the note. 
I will attach to the complaint proof of my payments and the monthly statements from CMC Funding. I will also attach a spreadsheet showing each payment and how much should have been applied to principle from each. 
If you examine the statements from CMC funding you will see that my they put money into something called suspense. And, if they are applying my payment properly, how could my payment due XX/XX/XXXX be negative {$500.00}? 
I have called them repeatedly about this, and they claim they will correct it. I have asked for, and spoken to, a supervisor at CMC Funding, and was told every time they would correct the error. And then I get the next statement and it is still wrong. 
I think they are deliberately applying my payment wrong to charge me more over the life of the loan. If this is not illegal, it should be. 

XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX IN XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
I as XXXX of XXXX XXXX XXXX a US company having a checking account with Citibank since XX/XX/XXXX) I billed my client in XXXX XXXX and they send me the payment of XXXX XXXXXXXXUSD on XX/XX/XXXX from XXXX  XXXX XXXX  XXXX in XXXX to Citibank . the XXXX XXXX put IBAN NUMBER instead of my account at Citibank and the name of my company he forgot the account Number. The XXXX XXXX   wrote several time to Citibank amending this issue and ask for payment .Citibank do not answer me, or answer the XXXX XXXX  and Keep this amount since 3 month at citibank . 
I visited my counsellor at Citibank he called and he verified that Citibank is holding the funds and he ask me to request from the XXXX XXXX  an Amendement with the account number to deposit my funds which the XXXX XXXX  did. 
In the meanwhile my checks were returned unpaid, I was charged next to XXXX dollars fees and still Citibank don't answer me neither answer the XXXX XXXX who send the funds neither depositing the money in my account or send it back to 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 monetary relief
Consumer complaint received 2019-08-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC
State: NY

Complaint narrative:
On XX/XX/2019 Quicken Loans called me to refinance my existing mortgage with them. The words " refinance '' or " we need to re-run your credit '' were never said. I advised them that I didn't want to run my credit report again, but the representative, XXXX said that she already did. I asked to speak with a manager, which I did, but he can't " un-run '' my credit report. They continued to try to sell me their " product ''. I feel personally violated by this gimmick.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
I made an online purchase from XXXX. Never received the items and was charged {$160.00}. Contacted the company via phone and email with no response over a dozen times. Went to my bank, Citizens to dispute the charge. Received a letter from Citizens that there was nothing they could do because too much time has passed. Im only XXXX and thats a lot of money to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-15 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Harris & Harris, Ltd.
State: PA

Complaint narrative:
This collection agency has debt that has ready been resolved by our medical insurance. The debt was caused due to a data entry error with the original debt owner. It has been requested, multiple times, including in writing via USPS, that a letter needs to be sent to us showing the amount of debt/account information. As explained to them, this is needed to match up explanation of benefits from the insurance company to show they paid the amounts. they have also declined to provide a total debt amount to me. They promised to send the information via the mail multiple times but it has not been done. Now they call myself and my husband daily. When they call they hang up as soon as we answer. I've attempted to call them but each time I am put on hold then hung up on. Several prior conversations, including a letter, advised that the debt did not exist. They state that it is not their responsibility to contact their client ( the  original owner of the debt ) and if I want it resolved I will need to provide proof to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
The reason for my complaint are based on a number of factors. First and foremost, we encountered a hardship which lead to our loan falling behind. As a result, I reached out to my servicer Mr. Cooper in XX/XX/2019to explore all retention options available in effort to avoid foreclosure such as a repayment plan, modification, or any other home retention program. I was advised that they would open a "Workstation" and submit a package to me for consideration and to wait for the package to arrive.On XX/XX/2019, I called back and spoke with an associate by the name of XXXX which advised me that my loan was denied for the Flex Modification on XX/XX/2019. She was unable to provide an explanation. Furthermore,I questioned how was this possible if I never received the Loss Mitigation Package nor was any information supplied. XXXX was unable to answer my question. She advised me that a denial letter had not been generated and to allow 7-10 business day to receive and that there would be detailed information pertaining to the denial. We never received this letter. In speaking with a friend, I was advised that I had a "Right to Appeal" and that I had 30 days from the date of the denial letter (Never received) to appeal. From the date of denial provided verbally on XX/XX/2019 through XX/XX/2019 and after several attempts to acquire the denial letter, one never came. As a result, e-mail communication was sent to my case worker onXX/XX/2019 formally providing a "Written Appeal". I called back on XX/XX/2019 and was able to confirm that the appeal was received and was being reviewed by the assigned associate.XX/XX/XXXX, I was advised that my modification was denied and that I would receive a denial letter concerning why they were not able to offer a modification. That letter never came. I called back onXX/XX/2019 after not receiving the letter to determine if I was ever considered for a repayment option. I was advised no. Obviously this answer was concerning as I requested for consideration of all retention workout programs and that was not done. 

It is my belief based on what has occurred over the past several months that my loan was not adequately reviewed for all retention options. I am XXXX years old and I do not want to lose my home. Between the income my wife and I receive, we make sufficient income to prove that we have the financial ability to retain our home and all we want is an equal opportunity to be considered for a program that would allow us the opportunity to reinstate our mortgage through a repayment plan option. I currently have XXXX  toward the total arrears and all we need is a little more time to bring this loan to a current status. During this entire time, I have made multiple efforts to make payments on my mortgage however; Mr. Cooper refused all payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: OH

Complaint narrative:
I received a marketing call in XXXX of 2019 seeking an application for an American Express Gold card and the main selling feature was that I would receive 4x reward points on purchases in the category I spend the most in each month. I have received 4 monthly statements and have only received 1x rewards points in each month. I have called customer service each month regarding this issue. In the first month the representative was able to manually credit my account for the extra 3x rewards points. each consecutive month I have called I have been told this is a known programming issue and they are " fixing it. '' I am concerned that this will never be fixed and I have already spent a lot of time on hold and with customer service trying to get this resolved. To date I am short approximately 60,000-70,000 points which has a value of between $ XXXX- {$900.00} and this is continuing to climb with each purchase I make.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-15 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
Synchrony Bank currently has an automated phone system ( like most companies ). It is currently providing customers with incorrect information. Recently, one of my payments were declined after submission. I received an email stating there was an issues, but when I called the bank their automated phone system verified my payment was made successfully. This was false information they provided me. The account was in fact past due, and the company was adding late-fees to my account. I cant imagine how many customers are incurring fees, due to false information Synchrony is providing.

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 2019-08-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC

Complaint narrative:
I recently requested a {$1000.00} increase in my credit line with Capital One. I am a XXXX year old woman, separated from my husband for the last XXXX years. I received a letter stating my request had been denied on the basis of Your average monthly payment has been too low. The explanation that was provided by Capital One was Generally, if you make more than your minimum monthly payment on time for 3 months you can reapply for a credit line increase. 
Below is a report of my last payments for XXXX and XXXX 22 payments in all. Everyone of these payments were made in a timely manner and far exceeded the minimum payment required. As of this writing, at the highest amount of outstanding credit, the minimum payment is only {$100.00}. 
XXXX XXXX - {$350.00} ; XXXX - {$100.00} ; XXXX - {$250.00} ; XXXX - {$250.00} ; XXXX - {$100.00} ; XXXX -  {$100.00} ; XXXX - {$100.00} ; XXXX - {$500.00} ; XXXX {$250.00} ; XXXX - {$300.00} ; XXXX {$150.00} ; XXXX - {$300.00} XXXX XXXX - {$250.00} ; XXXX - {$500.00} ; XXXX - {$500.00} ; XXXX - {$400.00} ; XXXX -  {$200.00} ; XXXX - {$500.00} ; XXXX - {$500.00} ; XXXX - {$350.00} ; XXXX - {$500.00} ; XXXX - {$440.00} I did not receive any adverse action notice. 
I believe I have proven that the credit line increase should be granted in light of the fact that I have far exceeded Capital Ones requirements. I urge Capital One to be completely truthful in its response and not to add any additional requirements above the reason I was given for denial.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Selene Finance LP
State: IL

Complaint narrative:
Please see the attached Notice of Foreclosure and a document titled " Outline of Events Surrounding Unjust Foreclosure Proceedings Against XXXX XXXX and XXXX XXXX XXXX '' along with the various exhibits.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: GA

Complaint narrative:
On XX/XX/2019 I feel behind on my mortgage because I was forced into early retirement and am know only rely on my Social Security income. My mortgage is at a 10.5 % interest rate and i'm not able to afford my mortgage payment with just my Social Security income. I tried to be reviewed for workout assistance with my lender and have been denied because my investor does not participate for workout assistance. To make matters worst I relied on getting some type of assistance that I feel more behind that I got a sale date and had to file bankruptcy and I am now in bankruptcy making my trial plan payments. But still not able to afford my current mortgage. I feel that I am the perfect candidate for workout assistance. I have never been approved for anything and now need it more then ever.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: REGIONS FINANCIAL CORPORATION
State: TN

Complaint narrative:
I work for XXXX XXXX XXXX , XXXX. They have missed the last FOUR pay roll dates with the TN branch. As a result, I went to Regions bank to close my account today to avoid nsf fees from auto drafts. They told me that they can't close my account because it needs to be inactive for 30 days FOR THE CREDITORS ( not the consumer! ) She said, " if I close your account and someone ACH debits an auto draft from your closed account, it will force the account back open and you will still owe the bill plus the NSF fees on the closed account. Meaning, it won't really stay closed. '' That is complete XXXX  XXXX. Now, I am going to cave and maybe file another bankruptcy if the ceiling falls in on me for the NSF fees from all my bounced debits in an account regions refuses to close bc they favor the creditors not the consumer. Please help CFPB to change banking laws/rules such as this one!!!! I don't know why XXXX XXXX of XXXX XXXX XXXX  can not make pay roll on time ; but, Regions shouldn't allow me to be financially devastated any further due to XXXX 's short falls. This isn't right. It's bad enough I'm eating sandwiches and 2 weeks away from eviction ; now my own bank is against me, too. This is overwhelming

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 2019-08-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ideal Collection Services, Inc.
State: FL

Complaint narrative:
Ideal collection Service & Recovery XXXX XXXX XXXX, XXXX, FL XXXX Phone number : ( XXXX ) XXXX Amount : {$3100.00} This company is in direct violation of the Fair credit reporting act. I have no contract with this company allowing them to report on my credit report and am REQUESTING THE ACCOUNT BE REMOVED IMMEDIATELY. 

They are in violation of section 604 and section 609 of the Fair Credit Reporting act. I send documents asking for permissible purpose with IDEAL COLLECTION SERVICE AND RECOVERY to which they were not able to provide. I also called and spoke to an associate on XX/XX/XXXX who was unable to provide any proof to me and disconnecting the call. She was unable to answer when I asked " if I have a contract with ICSR ''

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Fidelity National Information Services, Inc. (FNIS)
State: FL

Complaint narrative:
XXXX  is report false data regarded my check writing and use and they are declining all my check transaction without a valid reason and they are refusing to give and a particular reason for the declines and they are also refusing to be transparent with me regarding the situation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-15 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Convergent Resources, Inc.
State: TX

Complaint narrative:
I recieved a notice to collect a debt on behalf on XXXX XXXX from Convergent, I responed to the inquiry for validation of the debt, I recieved nothing and on XX/XX/2019 the said above company placed a collection on my credit report without validation debt or responding to me about said deby, I called to rectify problem but was met with no solution, this unlawful collection is no putting my job at risk and needs to be removed and deleted from all 3 credit bureaus.

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 2019-08-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: TN

Complaint narrative:
my husband passed XX/XX/2018 and I am trying to acquire mortgage assistance for my home. Select Port Folio my mortgage company is hard to work with and because of my husband death I need to make the mortgage affordable for me to pay the note based on my income. I don't want to lose my home

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-15 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 have called Experian on several occasions with the attempt to to correct incorrect information being reported on Credit Report. I have been hung up on several times when an explanation can not be provided when asking about the dispute process. I have been told that there are no supervisors available when asking if someone else could take the call to assist me. I have experienced abnormal hold times when calling this business as if there is something in my account stating to be brief and short with this consumer, if not hang up on her. I do not feel as if I have been supported by the members of this credit reporting agency and have yet to been able to find someone in charge to address these concerns.

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 2019-08-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I disputed the false items from my credit report, and they did not send me physical proof which is break the law per Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify through the physical verification of the original signed consumer contract any and all accounts you post on a credit report. I requested for this to be removed from my report and block it per section 605B of the Fair Credit Reporting Act. I provided documents to prove they received 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 non-monetary relief
Consumer complaint received 2019-08-15 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ATG Credit, LLC
State: TN

Complaint narrative:
XXXX XXXX XXXX is requesting payment in full on Account Number XXXX, in the amount of {$4600.00} for a XXXX online course. ( Please see the letter dated XX/XX/2019 attached. ) This course was paid for from my FSA loan and therefore there is no outstanding debt owed. This collection is in error. I have contacted XXXX  XXXX, XXXX to fix this, however I have not been successful.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I checked my online banking to see a charge marked as recurring from TransUnion for XXXX. I never signed up for any paid services from them, to my knowledge. I tried reaching them over the phone and was not able to get a hold of the credit bureau.

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