vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-12-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: CA

Complaint narrative:
On XX/XX/18 my home sold which was financed through Ditech. I had an escrow account set up with my home loan to pay for property taxes and home insurance. Upon closing on XX/XX/18 I was due a refund of {$2300.00} from Ditech. I have called their customer service number several times as I have never received the refund. I wrote down the following dates that I have called in regards to this matter ( there may be more before I began to keep track ) : XX/XX/18, XX/XX/18, XX/XX/18, and XX/XX/18. Each time I have called I have verified my correct address and been told they will research the matter, stop payment on any checks that may have been mailed previously, and send another check. On XX/XX/18 I was told I would receive payment within 10 business days and was told to call back on XX/XX/18 if I had not received payment. I was traveling on that date, so I made sure payment hadnt been received while I was away and called upon returning home on XX/XX/18. On this date I was told there would be a supervisor review performed and I should hear back from them within 3 days. If not, I am to contact them again on XX/XX/18. I am concerned as every time I call I am told a check will be sent promptly and it has now been over 4 months. I have not been told if a check has ever been sent at all or if the matter is still in processing waiting to be sent out. I am hoping to get this matter resolved ASAP. Thank you for your help.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-06 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Was approved for a loan, but didn't receive the money — 
Company: Tribal Lending Enterprise, Inc.
State: DE

Complaint narrative:
On XX/XX/2018 my checking account had an ACH in the amount of XXXX. Another charge on XX/XX/2018 in the amount of XXXX. 

This resulted in 4 nsf and return fees of {$36.00} each. 

The company XXXX XXXX XXXX is now unable to answer questions as they say the account is in collections.

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 2018-12-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Freedom Mortgage Company
State: NJ

Complaint narrative:
Contacted my mortgage lender back in XXXX for a refinance at this point I disclosed to them that I had a soft second lien on the mortgage, they said it should not be a problem, they ordered the appraisal. I had the appraisal done and they said that it would not work because it did not come in high enough. I asked if I took my husband off would it work they said yes. They proceeded with the refinance, 2 weeks later the loan officer told me I would need to pay off a debt that was in collection. I told him I didn't have that sort of money and was on a payment plan. He asked if I had a 401K, I replied yes he said you could take that out and pay it off. I took a loan out against my 401K to pay off the debt. I asked the loan officer several times if this would work becuase I did not want to pay this off if it wasn't going to work. He assured me many times. I received a phone call approximately 2 weeks later from another loan officer stating that it was not going to work because when they pulled the title the soft second showed up and wouldn't allow the refinance to go through. I became very upset because this is exaclty why I disclosed this information at the very first phone call. I now paif {$150.00} appraisal feel and took money out of my 401K which I have to pay back monthly. I am now in a worse situation financially than I was previously. I asked them what was going to be done because I was told repeatedly that it would work. They said they would get back to me and of course no one did, I then spoke to someone in customer service and they said they would get back to me and no none did. Today I finally heard back from someone and they said there was nothing they could do. I asked who would be held accountable for this mistake? I received no answer. I was deceived and lied to and put in a financial situation because of someone's mistake. All of their calls were recorded and they stated that everything I stated was true.

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 2018-12-06 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: GA

Complaint narrative:
I was advised to contact you all regarding items on my credit that is not mine. I also reached out the my local police department and the FTC. 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 2018-12-06 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I was advised to contact you all regarding items on my credit that is not mine. I also reached out the my local police department and the FTC. XXXX, XXXX, XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Experian has been sending multiple charges to my XXXX XXXX credit card for services I have never signed up for. Obviously these are fraudulent charges. I tell XXXX XXXX to refund the monies and they do while stopping the account and sending me a new card in the mail. As soon as I verify the new card, when it arrives in the mail, the charges come right back. 

I've done this 4 times now and even had my credit card company block Experian from charging my card but it doesn't stop them. It makes no difference. I tried contacting Experian at 5 different numbers and can not get a live person to talk to, just automated prompts. Out of frustration, I went through the prompts to act like I had an account and I wanted it cancelled. As soon as I said cancel this service it says that I don't have a service with them. I know that already, but it just further proves these charges on my XXXX XXXX card are fraudulent. Still no way to contact Experian. 

I've seen this same scenario online about Experian charging others for services they didn't sign up for, and no one can contact Experian. It's madness to be in this loop with seemingly no way to resolve this.

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 2018-12-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ProCollect, Inc.
State: TX

Complaint narrative:
This account has been disputed several times and asked to validate with no success. This collection agency is not licensed to collect debt in the state of Texas where I reside. They are fraudulently reporting a fraudulent account to all three credit bureaus and I want the account removed from my credit files.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC
State: NC

Complaint narrative:
My XX/XX/XXXX XXXX County property taxes have still not been paid. The bill was due XX/XX/XXXX, and now the past due date of XX/XX/2019 is coming soon. I have contacted Roundpoint several times to ask when my property taxes will be paid. They always refer me to the Taxes department, which never responds. 

There is plenty of money in the escrow account to pay the property taxes.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-06 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
On XX/XX/XXXX, I mailed a dispute letter to Equifax to dispute 5 different inaccuracies on my credit report. I did not hear anything. I then called on XX/XX/18 to see if they had received the letter. I was told that my profile could not be accessed and to call later on because maybe its not accessible due to updating. I called again on XX/XX/18 because I had not heard anything about the issue and was told to just fax the letter again. It is XX/XX/18 and I have not received results from my original dispute, can not pull my Equifax report from XXXX, and Equifax is saying they can not access my information due to updating nor can they send me an updated report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-06 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: PNC Bank N.A.
State: FL

Complaint narrative:
My wife and I filed for and completed our chapter XXXX bankruptcy plan and received our discharge papers. PNC Bank holds our second mortgage and is showing our account as being behind 1 payment behind after completing the plan. After several requests PNC completed the " Notice of Final Cure Payment '' and it shows that our first post petition payment was due on XX/XX/XXXX. My wife have made XX/XX/XXXX payment, XX/XX/XXXX payment and are going to send out XX/XX/XXXX which is due on the XX/XX/XXXX. 

There is no way that we can be behind after completing the plan and the fact that the cure notice confirms this is disgusting that PNC will not rectify it. If there are delinquent monies with our loan, PNC should have addressed them with the bankruptcy court prior to completing the Final Cure Notice. Now that we are no longer under the protection of the courts, they are claiming that we are behind. 

I have made about 15 phone calls and have spoken to many of representatives from PNC, but no one has any authority to make this right. The last person that I spoke with was a XXXX XXXX at XXXX. He explained that PNC 's attorney would reach out to our Bankruptcy attorney to figure things out. My attorney has called them several times but no one will call him back. 
My wife and I can not continue to pay a lawyer for making phone calls and sending out letters because our mortgage company does not have their act together.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SIMMONS FIRST NATIONAL CORPORATION
State: FL

Complaint narrative:
I took a mortgage on an investment home I own in XXXX XXXX, FL    from a local bank in Colorado  called Simmons Bank ( XX/XX/2018 ). Simmons Bank agreed verbally and in writing ( by email ) to issue the mortgage loan without hurricane insurance and has acknowledged this several times also by email ( see attachment ). 

However, Simmons subsequently ( within months ) sold the loan to XXXX. It appears in retrospect that Simmons was concurrently planning to sell the loan while originating it ( without disclosing this fact ). The mortgage broker was aware that an important reason for working with Simmons was my understanding that they would hold the loan in house ( as they had for my principal residence in CO  ). 

XXXX is now demanding that I pay for hurricane insurance, which is approximately {$20000.00} per year. Without hurricane insurance, pursuant to the closing disclosures provided by Simmons, the estimated taxes and insurance were listed as {$1400.00}. Therefore, hurricane insurance would more than double my total tax and insurance liability. The mortgage has a 30 year term, so the damages are substantial. It is also very important to note that I would not have qualified for the loan if the requirement for hurricane insurance had been included in the loan terms from the start. See attached email where the mortgage broker calculates I have a DTI of 44 % WITHOUT hurricane insurance. If this is not resolved, I will have to sell the property, which would be a significant loss for 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 2018-12-06 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Selene Finance LP
State: GA

Complaint narrative:
XX/XX/XXXX- storm damage on main house and pool house roofs XX/XX/XXXX-Got inspected. Contacted insurance Company XX/XX/XXXX- Received first insurance check for {$16000.00}. 
XXXX Overnighted to Selene Finance . Received endorsed check from Selene XX/XX/18 XX/XX/18- Received final insurance payment of {$7000.00} XX/XX/XXXX- Forward unsigned check to Selene. 
XX/XX/XXXX- Received check and letter saying it required my husband I to  endorse plus complete several other documents by us and our roofer. 
XX/XX/XXXX- All documents from our roofer and my husband and I were completed, notarized and returned via a PDF. 
Mailed endorsed check to Selene Since the last date of correspondence, we have contacted Selene no less than 10 times. We have since learned instead of returning the final check to us for our roofers final payment, Selene deposited the check. 

Our roof has been completed since XXXX. We can not get the final payment from Selene. Our roofer is placing a lien on our home Friday, XX/XX/XXXX. 

Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-06 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: MoneyLion Inc.
State: CA

Complaint narrative:
I have paid off my loan for XXXX in full and have tried to cancel my " membership " in Moneylion so that I can be refunded the money owed to me from membership fees which are supposedly held for me as an investiment. But I am either unable to reach the company by phone or email and when I finally do reach them after spending literally 90 minutes waiting on the phone, I am told that I can't cancel my membership until pending charges are processed. I was told that this would happen by XX/XX/XXXX but when I reached them they keep procrastinating and refusing to cancel my membership. According to my accounting, besides paying the loan and interest in full, I paid an additional XXXX as membership fees which are supposed to be refundable when I cancel my membership. Because I already withdrew XXXX, I should be owed XXXX. Instead I was told that I would be refunded XXXX This is fraud and not right. I want my membership cancelled immediately and I would like to be refunded the XXXX owed to me. 
Thanks

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 2018-12-06 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: ZIONS BANCORPORATION
State: TX

Complaint narrative:
XXXX XXXX is running classic bait and switch tactics. It lured me into the bank with a promise of a low interest rate personal line of credit, specifically prime plus 0.5 % if the line opened was at least $ 100k. In summary, even after receiving all my financial information, including a detailed financial statement, XXXX reinforced that I would easily qualify. However, less than 24 hours after my intention to apply, XXXX then stated it has an established condition of having twice the amount of the line of credit in liquid assets. Now, XXXX already knew I didn't have that based on my financial statement that I reviewed with representatives in person. My XXXX representative, XXXX XXXX, is either incompetent in that he didn't know this requirement or more likely he hoped that he could lure me into applying and then hit me with a higher rate based on a lower credit line. 

I raised this concern to XXXX who could care less. Based on this reaction, I decided to file this complaint as I believe this is a common bait and switch practice that XXXX is conducting with all of its customers. Even more concerning is that XXXX believes it can make these representations to lure in customers and say anything without reprucusions. It is truly concerning!

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 2018-12-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
GILA Corp ( XXXX ) XXXX  has attempted to collect a debt from me in the past that i found out was not mine at all. Upon my request, Gila Corp provided more details about the debt and i determined it was someone with my same name, but was not me. I proved this to them by telling them this person had a different birthday than mine, we only shared a name. The agent confirmed they would no longer call me or pursue this debt with me, but fast forward a couple years and now theyre back at it, calling my home 3 times a day. I do not feel that i should have to argue with them and prove to them my identity every 2 years in perpetuity, they need a better way of verifying identities of the people they harrass and not just blanket call everyone in the USA who shares the same name, hoping that theyre scare tactics will cause multiple people to pay a singular debt of someone they have the misfortune of sharing a name with.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-06 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: AFNI INC.
State: NY

Complaint narrative:
Below is a description of events and the chronology in which they occurred, while dealing with Afni collections. 

On XX/XX/18, I received an email from XXXX XXXX informing me of a new account under my name. I opened and read that email on XX/XX/18. It stated that a new AFNI account was added to my XXXX  report. I followed the link and found out they had placed a collection on my account for {$370.00}. They claimed it was an XXXX XXXX XXXX account I owed money on. I have no knowledge of this account. I was unable to contact Afni until  XX/XX/18. A XXXX answered the phone and asked me for some identifying information. Once she was able to bring up the account, I was transferred to an XXXX XXXX. After she went through her legal statement, she asked how I wanted to pay for the debt. I informed her I have no knowledge of this account, nor have I received any information from Afni regarding this. I asked for proof of any communications sent to me. This is what I was told by XXXX according to her, Afni received the account on XX/XX/18. She stated that a letter went out on that date describing the debt. I asked for proof of this letter and she was unable to provide it to me. She then directed me to their website where I could find all of the communications sent to me. XXXX provided me with the instructions on how to login to my account. I told her I would look into this and call her back. On the website, I found only 1 letter dated XX/XX/18. This letter states that it confirms the original creditor and the balance owed. I could not find a letter dated XX/XX/18 as told to me by XXXX. I called her back and explained that I could not locate the XXXX letter and if she could assist me on finding this letter. She asked to place me on hold so she could speak to her support department. When she returned to the call she stated the following .... According to her support department, because Im in NY when I access the letter online it defaults to the date in which I access the account. Not sure how that happens when it is in .pdf format but Im no computer whiz anyway. I asked simply on how I could get a hold of the XXXX letter. After some divisive wording by her, she told me they were going to close the account and have it deleted. I specifically asked if they were going to send communication to the credit bureau notifying them of this deletion. She clearly stated YES.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-06 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: QC HOLDINGS INC
State: MO

Complaint narrative:
I got a loan for {$1200.00} and every other week they take XXXX..I made 6 payments total XXXX i called today and told me I owe more than 1000

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 2018-12-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: WA

Complaint narrative:
They repeatedly call me and my husband even after they've been repeatedly told to stop calling me. I've also informed them that they aren't legally allowed to collect the debt that they are trying to collect, since it is beyond the statute of limitation for being allowed to collect on the debt. I've also told them that I'm not working and don't have any money to pay them. I want them to stop contacting us, like we have repeatedly asked them to do. They call several times a day, and I've repeatedly told them to stop calling us.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P.
State: MD

Complaint narrative:
I have tried several times to let the three credit bureaus and creditors know that I am permanantly XXXX and collect XXXX benefits to live on. All three credit bureaus and creditors have gotten together to damage me and my credit. The credit bureaus and creditors refuse to remove the collection accounts from my credit reports. Causing me to have bad credit. I even got a call from a debt collectors from XXXX XXXX saying that I could be arrested if I didn't pay off the debt. But they never sent me court papers. I dont want to go to jail for money I dont have. I just want all of this to stop. I dont have the money and I want it removed from my credit reports.

Company response to consumer: Closed with explanation