vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-01-31 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc.
State: TX

Complaint narrative:
My escrow account is in the negative due to Caliber Home Loans paid taxes for my house and another house with the same street name from my escrow account. I called in XX/XX/XXXX and was told it would be fixed. Called a few more times in XX/XX/XXXX and was told it was being fixed.. Well it's XX/XX/XXXX and still no resolve. I received a statement stating my mortgage was going up to XXXX due to my escrow acct was XXXX. I called and was told they are still working on it. I was transferred to XXXX XXXX the 3rd party carrier and they said they only did what Caliber told them to do. OnXX/XX/XXXX I was speaking with XXXX agent ID XXXX at XXXX XXXX  and she stated it was not her problem and transferred me to XXXX agent ID # XXXX. XX/XX/XXXXi received a new statement stating my new mortgage payment would be XXXX starting XXXX. Caliber has not received the refunds for the payments they made in error for the taxes. However, I was told if i do not make the monthly payment until they fix it, I could go into foreclosure. I am a single mom who busted my XXXX to get my family in a house. I have paid all mortgages and for them to threaten me that i may lose my home for their error is absurd. I need help. Please Help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-31 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Struggling to pay your loan — 
Company: MARINER FINANCE, LLC
State: IN

Complaint narrative:
On or around first week of XXXX I notified personal finance company of my situation and stated that my husband was just diagnosed with XXXX and that I would be required to stay home and be full-time XXXX  and I was reaching out to see if there was any kind of additional emergency type of qualifications I could apply for it to help me through this difficult time to make sure I stay on track with loan. I was told very quickly that there is nothing offered for any emergency situations or life changing events that alone must be paid can not be late or they would have to come and get the bike that the loan was against and sell it that my only choice was to have them redo the loan and have me get caught up and sign it well by XX/XX/XXXX I was told that was my only option I have to sign another loan agreement during that time I was overwhelmed with the news of the XXXX with my husband the seriousness of it and I felt like I was taking advantage of emotionally being coerced to sign a document as my only option. Since this time I have once again falling behind the acceptable amount of time before I'm getting calls and threats of taking my property once again I explained for the third time that my husband had XXXX away XXXX XXXX and then all I'm asking for is a little bit of time so that I can obtain the money from the estate to try to get back on my feet but until that time I can not give them a for-sure answer when I can pay I kept in direct communication with everyone during this hard time and what I thought was the light at the end of the tunnel was not a gentleman I spoke to said he was going to look over my loan and see if there was anything he could do and I said that's all I want just see what you can do you know all I could do is tell you the next week or two I'll figure out something okay I got off the phone with him then today XX/XX/XXXX I was called by XXXX XXXX who said he needs a payment today or they will come and take the bike I literally was shocked by how I was treated and talk to during a very hard time that was beyond my control he said I signed a loan agreement and I have to honor it so I told him I would do what I need to do to complain or be heard by someone else other than him and he said he will do what he has to do so now I worry that someone is going to bang on my door take my bike or traumatize me further all I want is for somebody who has compassion and ethics to review this matter and stop any inhumane things from happening to me during this time thank you

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 2018-01-31 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: VA

Complaint narrative:
I graduated in 2005 and have struggled to make my outrageous monthly payments. When contacting Navient regarding my options, none of them were within my ability to pay. I offered several times to make payments that I could afford and was instructed that my loan would go into forbearance until I was able to pay. I was told that I could make payments that were affordable to me, however, the loan would always remain delinquent and the better option would be to put my loan on hold until I can make the full payments that were presented. What I was not aware of, was how much interest would accrue. So as you can imagine, my loan balance has now more than doubled. And Navient is still not working with me in terms of my monthly payments. I am currently unemployed but married. Though my husband is not on the loan, they requested that I send in documentation regarding our taxes, and I believe tried to get me to sign a document to add him as a co-signer. I did not complete this paperwork, as that is deceptive and he is not responsible for this loan. Because of my husbands pay, they are requesting that I make, again, an extremely high payment that I am not able to make.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-31 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Lendmark Financial Services
State: OK

Complaint narrative:
The problem is with the statement procedure.  For over 2 years, mailed statements only include regular payment amount due.  Statements have not had ANY information regarding amounts paid towards principal or interest, payments made, loan pay-off amounts, etc.  for this length of time, statements have the words “under construction” pertaining to the lack of information.  Online access is extremely limited; unable to update personal information, and payment due is vague (does not show past due dates, only amounts).

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-31 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have sent a police report to transunion in reference to inaccurate information on my report along with a dispute letter with no response. So I have sent another letter with my copies of police report to hopefully get this rectified. No information was sent to me stating they have verified any 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 explanation
Consumer complaint received 2018-01-31 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: CURO Intermediate Holdings
State: NV

Complaint narrative:
On about XX/XX/XXXX XXXX dba SpeedyCash agreed to receive payment of {$700.00} from XXXX   XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, KS XXXX phone ( XXXX ) XXXX. 
On XX/XX/XXXX XXXX dba Speedy Cash ( almost 7 months later ) demanded payment of {$790.00} via e-mail. 
I called Customer Relations to find out why the demand is made directly to me rather than to contact XXXX XXXX XXXX. Customer Relations informed me there is no records of any agreement signed with XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Debt Recovery Solutions, LLC
State: FL

Complaint narrative:
On XX/XX/2018 I discovered two items from XXXX XXXX XXXX XXXX that appears as Debt Recovery Soluti Account XXXX in the amounts of {$1200.00} and {$100.00} had been re-inserted into my credit file. I informed XXXX   that they are required to notify me within ( 5 ) days of re-inserting previously deleted items. I did not receive such notification. Please delete this item immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: REGIONS FINANCIAL CORPORATION
State: TX

Complaint narrative:
I opened an account with Regions bank on XX/XX/2017 after receiving a promotional offer in the mail of a {$400.00} bonus after signing up for online statements, and making 10 purchases within 60 days. This was all confirmed to me by the representative that opened my account by phone. He said the {$400.00} would post within 120 days after account has been opened. 

Regions is now offering the same promotion but has reduced the 10 debit purchases to 30 days. The person that opened my account made did not make mention of that and told me directly I had 60 DAYS. Which was the promotional advertisement by Regions, for 60 days. 

Regions is denying me the {$400.00} bonus saying I did not post 10 transactions with 30 days, even though their very own representative told me I had 60 days!!

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 2018-01-31 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC
State: TX

Complaint narrative:
For 3 weeks I have been trying to get a repayment plan. I have been waiting on my point of contact to call me with the new monthly payment on the repayment plan. He finally called and told me we could only do a 10 month repayment plan and he would call me on Monday,XX/XX/XXXX to set up the plan. He never called and I called them ( Shellpoint Mortgage ) Tuesday and they informed me that the person I was speaking with did not know what he was doing and should not have told me I could get a repayment plan, because it was less than 15 days from the sale. They said it is nothing they can do. If I would have known 15 days ago I would have demanded a new person to speak with. I hope someone can help, because I don't think this is fair.

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 2018-01-31 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: MI

Complaint narrative:
XXXX XXXX XXXX, a collection agency is reporting to all three major credit bureaus ( XXXX, XXXX and XXXX ) that I have a bad debt with XXXX XXXX from 2014. I have never had an account at XXXX and have been a customer of XXXX for over ten years. This account is in error and is being inaccurately reported. I asked them to produce written documentation that this is my account or else stop calling me and remove it from credit report. They never sent verification but they did stop calling. However this collection account is still being reported to currently to all three credit bureaus.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-31 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: AZ

Complaint narrative:
I have had an awful time with Portfolio Recovery Associates, stemming from their inaccurate reporting to the credit bureaus -- which includes double reporting debts they claim I owe them, to reporting in multiple ways ( Collections account, Credit Factoring account ), etc. I have provided documentation to verify these facts, and they brush them off and say " We don't report as a credit factoring account. '' Additionally, they've been incredibly harassing with phone calls, despite the fact that EVERY SINGLE TIME they call from their different numbers, I answer, inform them that I've instructed them to stop calling me, but they continue doing so. Sometimes I'm able to inform them that I've told them many times to stop calling and have also included that I've sent a cease and desist letter, and the call ends there. Often times it's met by aggressive phone representatives yelling at me or questioning me. It's never-ending with this group. 

I have now saved three different phone numbers that have harassed me from Portfolio Recovery Associates since I first told them to stop harassing me and sending a cease and desist letter : XXXX XXXX ( called as recently as this morning ) XXXX I have open complaints with the Better Business Bureau as well since I have had zero luck working directly with this very abrasive and aggressive group.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-31 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: Ad Astra Recovery Services Inc
State: NC

Complaint narrative:
I filed a complaint against AD ASTRA RECOVERY SERVICE with the consumer financial protection bureau. I was told from a representative that if I did not authorize this account from XXXX XXXX that I need to file a FTC Identity report. So, below I have attach the report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: IN

Complaint narrative:
the inquiry from onemain was made on XX/XX/XXXX, I contacted them as soon as I saw it on my credit report thru XXXX XXXX on the XXXX inquiry details. it drop my score 2 point. I informed onemain that I have not applied for credit since I filed for bankruptcy in XX/XX/XXXX and they told me this credit application was made online with your name address and ssn with my husband email address. at this time neither my husband or I have applied for any credit, loans or unsecure debt. I believe this is Identity thief. 


Onemain XXXX, IN XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-31 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: RI

Complaint narrative:
I recently closed on my home on XX/XX/XXXX. My mortgage then changed hands and is serviced by Lakeview Loan Servicing , LLC. My payment includes taxes and insurance however I applied for the XXXX XXXX with my city, which was approved. Once I received the updated tax statement I faxed it to Lakeview Loan Servicing , LLC and requested them to confirm with me upon receipt. I never heard back. I sent an email and I have tried AT MINIMUM four times to reach customer service about my escrow account via phone ... their recording would say they had a high call volume and to leave a call back number. I have done this THREE times. I received a call back over a week after my initial request ... Though I am not sure if my email to customer service or my request for them to call me triggered the call back. Regardless, whomever I spoke with told me that my account would be updated by XX/XX/XXXX. It is now XX/XX/XXXX and YET AGAIN I have not heard back and my payment amount has not been updated. I sent ANOTHER email on XX/XX/XXXX and have not heard back from that request either. I find the lack of customer service to be unacceptable. The ONLY way I was able to talk to someone was when I opted to speak with someone about my insurance, because this company also had an error with my insurance information ( no fault of mine as I have had coverage and its paid for with my mortgage payment ). After I resolved the insurance information I asked the woman to connect me to customer service because I am not able to reach them, she said she would stay on the line but then transferred me to another recorded line instead which eventually hung up on me. Being unable to reach my mortgage and have my payment adjusted down to where it should be is not acceptable. They also now will need to back date and update the additional payment amount to principal however I can not get ahold of them in a timely manner, they have left me with no choice but to write this complaint in the hopes to get this matter resolved.

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 2018-01-31 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: REGIONS FINANCIAL CORPORATION
State: IL

Complaint narrative:
Received my bill on XX/XX/18 and noticed a " Late Fee on Previous Invoice '' charged {$410.00} for XX/XX/XXXX bill which totalled {$1900.00}. Contacted them today and was told my payment was five days late. I asked her how this is possible to get an interest charge of this amount and she said I was charged 9.99 % and doesn't know how they assessed the total charged but that was what was due. And that was the end of the conversation.

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 2018-01-31 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC.
State: NV

Complaint narrative:
AFNI company sent me a collection notice trying to collect a debt of {$1600.00}. I do NOT have a contract with AFNI, and I am NOT liable for this collection for this debt from XXXX. I am requesting that AFNI cease and desist all collection attempts. I do not have any accounts with XXXX either. I am also a victim of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-31 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: HW Holding, Inc
State: FL

Complaint narrative:
I had an erroneous collection account being reported on 2 of my credit reports by Hunter Warfield. I  contacted Hunter Warfield on XX/XX/XXXX, by telephone at XXXX and spoke with a supervisor named XXXX XXXX in Hunter Warfield 's Consumer Resolution Department. She advised me that this account would be removed and sent me the attached letter dated XX/XX/XXXX, stating the account was cancelled in their office and it would be removed from my credit reports. I have uploaded this letter as supporting documentation. To date, this account is still being reported on my credit reports and I am receiving collection calls from Hunter Warfield stating that I owe this debt.

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 2018-01-31 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC.
State: MS

Complaint narrative:
I am XXXX XXXX. I tried to get my private loan deferred, forbeared, or forgiven bit Navient gives me the runaround. Gave me the option for new plan but would not give me a reasonable date to pay. Now trying to default and cancel plan when I will have the money in 4 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
There were unauthorized charges on my account and won't be addressed until after an investigation.

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 2018-01-31 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: SC

Complaint narrative:
Filed a complaint with Experian about some unknown accounts on my report and I asked to see some verifiable proof ( an original consumer contract with my signature on it ) about those accounts. They just simply updated those accounts as verified and never sent me this verified proof that I asked and sent a letter stating that the XXXX account would not be re-investigated again.I also noticed a XXXX inquiry on my report and I never applied for any XXXX card before.

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