vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-04-07 00:00:00
Product: Mortgage — VA mortgage
Issue: Settlement process and costs — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: CA

Complaint narrative:
Before we refinanced we had Net Escrow Refund of {$2400.00} with PennyMac Mortgage. We refinanced a VA loan with PennyMac Mortgage Co. on XX/XX/XXXX to lower interest rate. I requested that Closing Disclosure be faxed to us, we signed and faxed it back. We had a XX/XX/XXXX loan signing, the XX/XX/XXXX Disclosure did not match the Loan Docs., final closing statement, but we signed anyway. We then noticed we did not see or receive Escrow refund on loan documents. I called, spoke to loan agent XXXX XXXX, Loan Officer ( XXXX.Ca. ), she referred me to loan processor, XXXX XXXX ( XXXX, Ca. ) XX/XX/XXXX, he said he would look into it. On XX/XX/XXXX over 2 months later, I received a new Addendum to closing disclosure with completely different figures. I did quite a bit of research on this and discovered that under TIL-RESPA Requirements, The new CDF comes with Stringent Requirements that were not met. First the time line, 2nd-Closing Cost Details-costs of loan were changed in different areas Also, ie ; Summary of Borrowers and sellers transactions, Escrow funds, etc. I am lodging complaint because of this and that 12 CFR1026.38 ( f ), ( g ) and CFR 1026 ( j ) and ( k ). which were not done. I asked for breakdown on the summary of Borrower 's Tranaction CFR1026-38 ( j ) ( 1 ) - ( 4 ) ie ; ( Itemization amounts XXXX to XXXX ) also see Appendix H of CFR 1026.38 ( t ). I also noticed a amount shown as Aggregate Adjustment, What is does that mean. 
The amount paid to 3rd party XXXX change. I I AM REQUESTING A FULL REVIEW AND DISCLOSURE OF MY CLOSING PAPERWORK. ALSO, Including the above itemizations, breakdown of ESCROW ITEMIZATION OF AMOUNTS PUT IN LOAN AND WHERE IS ESCROW AMOUNT OF {$2400.00} IN PREVIOUS LOAN.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-27 00:00:00
Product: Mortgage — VA mortgage
Issue: Settlement process and costs — 
Company: Executive Title Company
State: KY

Complaint narrative:
XXXX is representing the seller of a property in XXXX, KY for the purchase of a new home in XXXX, KY. Proceeds from the sale of their current home will be used for the purchase of the new home. XXXX has requested the title company to provide a prelimary seller side CD to verify funds needed to close. After tow weeks of requesting the Title Company ( Executive Title ) will not comply with our request.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-05 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc.
State: TX

Complaint narrative:
My vehicles were insured with XXXX for many years. My spouse and I separated and eventually split and the insurance was not maintained on the cars resulting in it going to collections. I satisfied the debt in full per there request and was advised the debt was paid in full and would be deleted. It has been in excess of 6 months since the debt was paid and it reflects on the bureau that I have an outstanding debt. I have contacted the company several times pertaining to removing the debt and providing me with a letter of deletion which they have not completed. I spoke with XXXX on XX/XX/2017 and she stated the company has requested the item be deleted on many occasions and her manager XXXX has requested the item to be removed again. She stated she was not able to provide me with a letter of deletion so that I may submit the documentation to my mortgage company. I have attempted relentlessly to have this item removed and the company has failed to provide any assistance with this matter.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-29 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO

Complaint narrative:
My interest rate on my auto loan through capital one is only 16 % or so and I am paying 100 % interest. My auto loan started at {$19000.00} XX/XX/XXXX 2015 I have paid roughly {$8200.00} in payments and my principal balance only went down {$200.00} since the purchase 16 months ago. {$200.00} is all that has been applied to the principal balance so {$8000.00} in interest is way over 16 % that I had agreed to. My last payment I paid {$650.00} the regular payment is only {$540.00} they applied {$540.00} of that interest for last month and they do this every month. This is wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-26 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: CCS Financial Services, Inc.
State: CA

Complaint narrative:
I have repeatedly requested that CCS Collections provide me with an explanation of the amount they claim I owe, how that amount was calculated, account history. They have refused to provide this or any copies of documentation that this debt is in fact mine. Yet they have been willing to put this unverifiable debt on my credit report, as well as send me a continuing stream of collection letters. Please see attached.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-04 00:00:00
Product: Other financial service — Debt settlement
Issue: Fraud or scam — 
Company: Nationwide Doc Prep Inc
State: CA

Complaint narrative:
I received an email from representatives from : Nationwide Doc XXXX Prep, LLC Telephone : XXXX Extension : XXXX Fax : XXXX who charged me {$490.00} for initial registration on paperwork promising lower monthly payments for my student loans from XXXX. And I also have to continue to pay monthly for paperwork they have to submit every month to XXXX or so they claim. But XXXX rep called me back saying my paperwork was rejected because I was still in XXXX and that I should n't have to pay for submitting the application. That 's when I got very worried. I had used my XXXX XXXX credit card and gave them my personal info with XXXX. Now, I hope I can get this issue resolved somehow since the fraudulent person would n't get back to my emails and calls asking for refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-05 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
On XX/XX/XXXX, my husband and I re-financed our mortgage with Chase. We received a letter dated XX/XX/XXXX, indicating that errors were found on the Closing Disclosure. Originally disclosed amount was {$4600.00} and the correct information is {$4200.00}. There was a phone number to call with questions - XXXX. Upon calling this number, a voice message tells you to leave your return phone number and someone will call you with 24 hours. I called several times and finally received a return call one week later. I was told they would XXXX an explanation to me, which they did not do. I just wanted to know where the difference of {$460.00} was applied - as a mortgage reduction or a check to us. The mortgage banker who made the original loan said we would receive a check within 4 - 6 weeks, which has not happened. I called her again and she said she 'would look into it. ' That was over 2 weeks ago and I have not heard from her since.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-03-30 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CHARLES SCHWAB CORPORATION, THE
State: CO

Complaint narrative:
I applied to get a Checking account with Charles Schwab and to do that I had to open a brokerage account too, which I funded with {$50.00}. What they did n't tell me is that they were gon na do a hard inquiry on my credit and then they declined my account because I 'm young and do n't have much credit history. I could get over that, but they sent me a letter saying that my investment account had been closed as well, and I had already put {$50.00} into that account. Now when I try to transfer my money out it says that account is restricted. I thought it might be a certain waiting period but it 's been more than a few weeks now and I still ca n't get my money. {$50.00} might not seem like much to Charles Schwab, but I 'm a poor college student.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-06 00:00:00
Product: Debt collection — Payday loan
Issue: Communication tactics — Threatened to take legal action
Company: Highland Capital
State: OH

Complaint narrative:
Northwind Associates. Threatened a lawsuit. Used strong arm tactics on VM that I needed to contact them within the hour to avoid further action. This debt was written off.

Company response to consumer: Untimely response
Consumer complaint received 2017-03-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: ACS Education Services
State: NE

Complaint narrative:
I have had a student loan with ACS for years and I have always applied for a deferment or forbearance every year. I applied for one in XX/XX/XXXX because I am unemployed and receive government assistance I recently found out that the deferment/forbearance was not completed by ACS and that my loan has been in default since XX/XX/XXXX. I have called ACS several times for approximately 4 to 5 months trying to get help with this matter first I could n't verify what address they have on file and was told that they could not help me if I could n't verify it. I finally spoke to someone who told me that the last deferment was in XX/XX/XXXX I told her that was not correct that I called in XX/XX/XXXX to verify that they had got the paperwork was told that it was being processed. Evidently it was never processed. I was told to contact XXXX I have contacted them and was told by them that they have nothing to do with my loan being deferred that they get it once it is in default. ACS sent my student loan in saying that it was in default when it should not have been in default but in deferment/forbearance all of my loans thru XXXX have been and are currently in forbearance except for the one being serviced by ACS and I have completed a complaint via email several times and has also asked for a supervisor to contact me I submitted another complaint and request for management to contact me again today

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-03 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: SECURITY FINANCE CORP
State: AL

Complaint narrative:
After my divorce my credit is bad. I bought a truck with XXXX down. Total was XXXX bought on XX/XX/2017. My first payment was due on XX/XX/2017. I called Saturday XX/XX/2017 to pay off the truck. My statement shows XXXX they were closed my husband called today XX/XX/2017 and payoff is XXXX he talked to a couple different people. We just want to pay off the truck with the amount on our bill

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 2016-04-27 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated an attorney or official
Company: EMPIRE MEDIATION SERVICES LLC
State: CA

Complaint narrative:
I have been receiving phone calls at work on my cell phone and somehow they call my parents home phone too. It is an automated machine that leaves messages that they are from the mediation department and that I need to " call them immediately to receive the proper documentations ''. They have threatened to garnish my wages and they supposedly verified my wages with someone at my job. They have refused to provide me with written documentation of whatever it is they are trying to collect on. I 've asked them numerous times to not contact me at any number they have of mine. My parents are furious at the phone calls they receive at home. They call me from different phone numbers as well. They call and hang up once I ask for their company name. They can not provide me with any details but insist that I pay them for something I do not owe! They are very rude and obnoxious. I have mentioned to them numerous times that I have filed for BK and they laugh and tell me I 'm full of XXXX! They refuse to disclose any pertinent information yet they insist on me paying them an amount so that they can send me the documents they have. I do n't know what they are talking about and I need them to stop harassing me at work, on my cell phone and most of all my parents home! They work with mediation department and they will be sending papers over to begin wage garnishments and it would be more than XXXX % of my checks! They mention payday loans from a company I have never dealt with before and that company is another debt collection agency! Yet they tell me its a cash advance. They continuously run my credit report without my consent as I get alerts when my credit report is ran. They also mentioned that a police officer would should up to arrest me if I did n't accept the paperwork being file. " Would you be willing to risk it all and be humiliated at your job? '' I want them out of my life! They mentioned if I have received any certified mail and I responded to them that if I did they would have return receipts. They have a physical address but those I do business with have my mailing address. I never received any documents from these people.

Company response to consumer: Untimely response
Consumer complaint received 2017-04-05 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
I have had an account with citizen 's bank for over 20 years. I have direct deposit for my social security check scheduled for the XXXX Wednesday of every month and pension check deposited on the XXXX. Twice now, checks that were deposited in the back the day of the social security check came in was flagged for insufficient funds and I was charged {$35.00}. The money is on deposit at XXXX so I do not know why I was charged. There was money in the account to cover the check. Another time, I overdrew the account by {$2.00} and had {$400.00} in the same bank but I still was charged an additional {$35.00}. They " improved '' their web site and I had trouble navigating it and had reported my problem. ( I a XXXX years old ). They said I had to link the accounts yet, I could n't figure out how to do that. Lastly, after the last {$35.00} charge, I changed banks on XX/XX/2017. Even though my deposit was made on XX/XX/XXXX and there was plenty in the bank to cover the check that came in the same day, I was charged another {$35.00}. When I complained, they put an additional penalty of {$30.00} as a " service " charge and said I could not close out my account until the charges were paid.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-03-28 00:00:00
Product: Bank account or service — Savings account
Issue: Deposits and withdrawals — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: NJ

Complaint narrative:
In XX/XX/XXXX I was given a loan by Citizens Bank, In XX/XX/XXXX the loan went into default. I scheduled to make payment arrangements but fell behind. 5 years later I started an account with the same bank after asking the officers whether or not I still owed the money. I was told " no '' so i continued to open the account. Today, my account was debited {$5000.00} and the bank tells me they have the right to offset without letting me know. However, I asked the bank prior to putting my money in the bank. Additionally, the money taken has left me in financial ruins. I ca n't pay daycare, rent or car payments. Please help.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-10-11 00:00:00
Product: Debt collection — Medical
Issue: Taking/threatening an illegal action — Seized/Attempted to seize property
Company: Scheer, Green & Burke L.P.A.
State: OH

Complaint narrative:
XXXX XXXX I had an XXXX done at XXXX XXXX XXXX, OH. Their billing department submitted the bill to the wrong address on my insurance card ( XXXX ). In XXXX XXXX I was notified that this was in collections by XXXX XXXX of Scheer Green and Burke. I contacted my insurance company as well as XXXX XXXX billing department to have it billed again to the correct address. The insurance company denied payment because it had been more than a year since the service and requested that it be resubmitted a second time with proof that it was billed originally after service in XXXX of XXXX ( which I verified that all of this was accurate ). Despite explaining all of this to XXXX XXXX, she still threatened to place a lien against my home and take me to court. I have talked extensively with the billing department at XXXX XXXX and have been assured that they can not place a lien against my home for the mistake they made when billing my insurance. The current situation is that this was resubmitted to my insurance ( to the correct address ) with proof of the original billing to the incorrect address as of todays date XXXX/XXXX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-29 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I sent a letter disputing many inquiries on my credit report to Transunion XX/XX/XXXX. I never received a response. I then sent a follow up letter in XX/XX/XXXX to inform them it was greater then the 30 days and that the inquiries never were investigated and therefor needed to be removed. I spoke with them XX/XX/XXXX and they advised they do n't have to investigate the injuries.

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 2017-04-05 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM

Complaint narrative:
Trans Union is ignoring my numerous requests to investigate and remove accounts from my credit file that were opened fraudulently opened.

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 2017-04-05 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Transunion is reporting XXXX tax liens on my credit report. I have spoken to IRS they stated that have never issues any Tax Lein against my name. I went down to the court house. I was told that they do not speak or provide any information to any of the credit bureaus. They even provided me this in writing. They also check XXXX and is unable to locate my name address and Social in their system. Yet trans union is violating my consumer right and damaging my credit with incorrect information.

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 2015-08-07 00:00:00
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: NORTHWAY BROKER LTD.
State: TN

Complaint narrative:
Northway Financial a payday loan company extended several loans to me from at least XX/XX/XXXX through XX/XX/XXXX. A company using the name XXXX XXXX XXXX ( XXXX ) has been harassing me for months to collect a {$990.00} debt. First it was XXXX debts now its XXXX and as I look back at my bank statements I see they deducted for the loan amount using XXXX transactions each time. There is no record of any loan made that was not repaid under their terms. I have been harassed for months by XXXX with many calls logged on my phone and available from my carrier. They have called me a deadbeat, thief, swindler, XXXX among others I ca n't recall. I have been threatened with jail, lawsuits and arrest at my job and home. When I ask for the address they state for safety reasons they ca n't give me the address. When I ask for their business license number they say it is none of my business.

Company response to consumer: Untimely response
Consumer complaint received 2017-04-06 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Account terms and changes
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
I recently visited Experian, XXXX, and XXXX websites and purchased the credit score and reports products. The issue is that when I apply for loan through a lender all XXXX credit scores were completely different and drastically lower than what the website showed compared to what the lender provided me with. I contacted the XXXX credit bureau 's and they told me my score was based off educational score which when explained to me did not make sense. I then contacted lender and went to there office provided the online scores from each credit bureau 's. The lender explained that scores would vary but should n't have varied that much. Experian shows XXXX actual XXXX ; XXXX shows XXXX actual XXXX ; XXXX shows XXXX actual 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 2015-09-08 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: CCS Financial Services, Inc.
State: NC

Complaint narrative:
i have an account that you are reporting that is not mine my information was stolen and used to open up this account but this company is still reporting it on my credit and has it on their files to collect

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC.
State: WA

Complaint narrative:
I attempted to enroll in the Federal loan forgiveness program with Navient. I spoke to Navient and verified I qualified. I worked for XXXX. I thought I only had to make 10 years of payments to pay off my loans, which are over 100,000. Then I called them and said that my payments did not count from 2007 on -- because I should have switched over to another servicer sooner. What!!? They NEVER told me that. Now I am years behind where I thought I was -- all because of their misinformation. I want to be part of the lawsuit against them. Please.

Company response to consumer: Closed with explanation