vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-01-12 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: ERC
State: MO

Complaint narrative:
MY spouse received a call XXXX/XXXX/18 on her personal cell phone with this company stating they need a call back. They will be out to my house or work with some documents that will need a signature. Called back found out there are a collection agency acting threating to serve papers if balance is n't paid. I am also bothered they called my wife & discussed my debt she is n't even on & left a voice message on her phone threating to serve me with a wage garnishment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-12 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: State Home Mortgage
State: GA

Complaint narrative:
State Home Mortgage XXXX or XXXX or XXXX call contact numbers that me and many other consumers are having issues with when calling in to get answers on mortgage matters. 

I received a call from State Home Mortgage on XXXX/XXXX/XXXX at approx XXXX EST asking me when do I plan on making payment. I felt that this number one was very unprofessional versus asking me what is going on or if I was aware that they had not received payment. I then explained to the representative that I made my payment via online Bill pay through my financial institution on XXXX/XXXX/XXXX and that the payment was taken out of my checking account on XXXX/XXXX/XXXX. I then proceeded to ask since the check that is cut and mailed out is post dated if I would receive any late fees the rep stated yes if they do n't receive payment by the XX/XX/XXXX. Why is this this does not seem to be fair or ethical maybe I am wrong. 

So I immediately called online bill pay to have an escalation to have them do further research on where the check is. Upon calling back on XXXX/XXXX/XXXX numerous of times and selecting the option to speak with customer service directly again at State Home Mortgage the phone lines kept disconnecting my call as if their were some technical difficulties. Once I was finally able to get someone on the phone they stated they are aware of the issue but it is due to their high call volume. Sounds like they need more representatives. Upon reading XXXX reviews I discovered after being locked out of my online account to review information as it pertains to my mortgage that it seems as if State Home Mortgage has deceptive practices that I feel need to be investigated immediately. One being their phone lines and no one being able to get the answers they are looking for and two getting a call back in a timely fashion upon leaving voice mail after voice mail after voicemail. It is ridiculous and shameful that I have to call 20 something times for their phone line not to hang up on me. Another issue that many consumers are having is not being able to make a payment on their website as the representative suggested to me because they are having issues with Bill Pay. What type of issues when a check is cut and mailed to you all 15 days before I am late with the exception of myXX/XX/XXXX payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: TD BANK US HOLDING COMPANY
State: PA

Complaint narrative:
Can not access trim program with my TD bank accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: FL

Complaint narrative:
OnXX/XX/XXXXThe Bank of New York filed a MOTION FOR DEFAULT against me and several other entities ( non of which reside or co-own my homestead property in Florida ). 

Since then, I have made several ignored requests for a modification, reduction in monthly payment or an opportunity to short sell. 

For clarification, my mortgage payment ( When the loan belong to Bank XXXX XXXX ) increased by {$1200.00} for lender placed insurance inadvertently placed on my account because at the time I had coverage. XXXX My payment went from {$1600.00} to {$2900.00} ) To avoid foreclosure I was approved for a grant ( XXXX XXXX XXXX ) that paid the escalated about for 8 months, during which I hoped I would be granted a modification or the ability to short sell. 

I do n't believe The XXXX XXXX XXXX XXXX is giving me a fair opportunity to keep my home.

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 2018-01-12 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: DRB-40, LLC
State: CA

Complaint narrative:
They called my work today XXXX/XXXX/18 around XXXX PST and asked to talk to my supervisor regarding enforcing a contract I agreed to. There is no wage assignment or court. They are not allowed to talk to my supervisor regarding my debt and the message for my supervisor that they were trying to enforce a contract on me was clear it was a debt collector. The call back number is XXXX XXXX XXXX. This is humiliating for my supervisor to know I have an unpaid debt and they even asked about the owners of the company. I have told them in previous calls I can not talk at work call my cell phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-12 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AMCOL Systems, Inc.
State: TX

Complaint narrative:
XXXX ER visit to XXXX XXXX ER XXXX. Insurance filed incorrectly, so processed out of network. XXXX XXXX XXXX  ER failed to send the additional medical records requested by my insurance company. XXXX XXXX turned over to AMCOL collection agency and XXXX XXXX XXXX filed bankruptcy. I never received notice of debit. I discovered it on my credit report when I applied for a home loan. The collection agency is offering to settle for XXXX, but no less. I have asked them to provide me this in writing, which I still believe is unfair and had XXXX XXXX ER submitted the necessary paperwork to my insurance this bill would have been paid. There have been law suits filed against XXXX XXXX ER by others regarding the above unfair practices and failure to inform patients. I have also filed a dispute with the 3 credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-12 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: HEARTLAND PAYMENT SYSTEMS INC
State: VA

Complaint narrative:
Registered for classes with XXXX XXXX University last spring then decided to go with XXXX  XXXX. Several months went by then I received a letter that my account went into default reminding me that I had registered for classes but never started any work in them. It was my understanding that if no work was done the first two weeks I would be automatically dropped. That did not happen and now the school wants their money and sent my account to Heartland XXXX for collection. I can not dispute this with the school now.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
As a result of TAX REFORM in late XXXX, the tax amount of {$3200.00} needed to be paid from the ESCROW account immediately. 

During my call with CHASE on XXXX XXXX, XXXX with XXXX XXXX from the Chase mortgage tax department several urgent items were discussed. 
1. I authorized the {$5.00} fee to pay this tax immediately. This was based on Chase providing information that the Town required a " batch '' payment, or pay this {$5.00} fee. 
2. Because XXXX XXXX claimed that Chase did not have the tax document, nothing could be paid. Therefore, I requested an immediate call from her superior. As of 1145 hrs, XXXX/XXXX/XXXX, no attempt to contact me in any fashion has occurred. 
3. The town has assured me that Chase DOES already have the tax bill. Incidentally, during the XXXX/XXXX/XXXX conversation with XXXX XXXX, she required the tax bill to be uploaded to their document server. I uploaded the tax document during this phone call. 

ISSUE : Chase mortgage refuses to assist this customer to expedite payment of the TAX bill and has found every excuse to avoid doing so.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TD BANK US HOLDING COMPANY
State: PA

Complaint narrative:
TD Bank changed their policy to charge overdraft fees when pending transactions overdraw the account and do not allow customers to remedy the overdraft with the instantly availability created by a cash deposit, something every other bank allows. When questioned, customer service retorted that this was requested by customers. When pressed on the issue, customer service cleared out my inbox.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: KY

Complaint narrative:
I did n't apply for these loans the o ugh Navient. The school filled out all of the papers and we were told to sign. They purposely defrauded the students.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: MIDFIRST BANK
State: NJ

Complaint narrative:
I recently filed a complaint about XXXX XXXX XXXX a Division of MidFirst Bank on XX/XX/2017 through the Office of the Comptroller of the Currency. My issue was that they would not release funds for me to rebuild my home after a category three sewage problem damaged my home on X/XX/2017. Finally in XX/XX/XXXX after I submitted my complaint they began to release the first payment. The problem with that, was they sent the check in the name of the Contractors buisness and I was not able to prevent any fraudulent action or actions from taking place. I did not know if the Contractor would take my money and run!!! When I addressed my concerns to XXXX XXXX XXXX, they said that only the first check would be in the Contractors name the rest would come directly to me so that I would be able to dispense the money as needed. After the work began and I needed more money for materials, XXXX XXXX XXXX said that they needed an inspection of the property. The inspector came and did his job and submitted his findings, which were satisfactory to XXXX XXXX XXXX. As it stands I expressed my concerns about allowing someone to control my funds to rebuild my property!!!! The Mortgage Company insist this is how it will be done until the Contractor states that he is finished with the property. I feel as though the Mortgage Company is committing an Nefarious Act against me, this is my home and it is in my name and I still pay a mortgage on this property. I have no say in anything as far as the Mortgage Company is concerned ... .it is not fair and truly unjust. In today 's society we have to constantly stay aware of those we believe we can trust. It took my life to own my home and I am not willing to allow someone to take it all away from me because of an Nefarious Act that is being committed against me. Respectfully Submitted I would truly appreciate your help concerning this matter!!!!!! 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 2018-01-12 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 — Their investigation did not fix an error on your report
Company: TOYOTA MOTOR CREDIT CORPORATION
State: TX

Complaint narrative:
In XX/XX/XXXX, I wrote a letter to Toyota Financial Services requesting a late payment for XX/XX/XXXX be removed as a courtesy. I received a letter back from the company after 30 days claiming that I have disputed the late payment & that the results were accurate reporting was being made for the late payment. My initial letter did not state I was disputing the late payment on my credit report, but I was asking for a courtesy removal for the late payment. My credit report now shows I have disputed the late payment which I never intended nor did write on the letter for the dispute. I continue to call Toyota Financial Services & I am told they are unable to have me communicate with the credit reporting team & that I will have to send a letter instead. Toyota Financial continues to report the late payment on my credit report, without any proper communication or feedback. Under the FCRA, a lender may not put my account under " dispute '' if a dispute was never intended not initiated by the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
I am writing to dispute the following information in my file. I recently received a copy of my XXXX credit report. The credit report showed credit inquiries that I dont recall authorizing. I understand that you shouldnt be allowed to put an inquiry on my file unless I have authorized it. Please have these inquiries removed from my credit file because it is making it vey difficult for me to acquire credit. 
The FCRA states that the only permissible purpose for pulling someones credit is for : A. Firm offer of credit B. Insurance C. Employment D. Court Order The following credit inquiries are related to none of the aforementioned permissible : 1. XXXX XXXX : XXXX XXXX, XXXX 2. XXXX XXXX XXXX : XXXX XXXX, XXXX 3. XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX 4. XXXX XXXX XXXX : XXXX XXXX, XXXX 5. XXXX XXXX XXXXXXXX XXXX, XXXX 6.  XXXX XXXX XXXX : XXXX XXXX, XXXX 7. XXXX XXXX XXXX XXXXXXXX : XXXX XXXX, XXXX 8. XXXX XXXX : XXXX XXXX, XXXX 9. XXXX XXXX XXXX : XXXX XXXX, XXXX 10.  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-12 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: Experian Information Solutions Inc.
State: MS

Complaint narrative:
I am writing to dispute the following information in my file. I recently received a copy of my XXXX credit report. The credit report showed credit inquiries that I dont recall authorizing. I understand that you shouldnt be allowed to put an inquiry on my file unless I have authorized it. Please have these inquiries removed from my credit file because it is making it vey difficult for me to acquire credit.

The FCRA states that the only permissible purpose for pulling someones credit is for : A. Firm offer of credit B. Insurance C. Employment D. Court Order The following credit inquiries are related to none of the aforementioned permissible : 1. XXXX XXXX : XX/XX/XXXX 2. XXXX XXXX XXXX :XX/XX/XXXX 3. XXXX XXXX XXXX XXXX : XX/XX/XXXX 4. XXXX XXXX XXXX : XX/XX/XXXX 5. XXXX : XX/XX/XXXX6. XXXX XXXX XXXX : XX/XX/XXXX 7. XXXX XXXX XXXX XXXX : XX/XX/XXXX 8. XXXX XXXX : XX/XX/XXXX 9. XXXX XXXX XXXX : XX/XX/XXXX10. XXXX XXXX XXXX : XX/XX/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 2018-01-12 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX 2017 I surrendered my vehicle to XXXX after they refused to provide and disclose account details in writing. I specifically requested a history of how my payments were applied to the loan. desiring a breakdown of interests, principal fees or charges. 
I was not receiving billing statements and was blocked from online access due to my payment being late. the phone recording stated my balance was higher than the original loan purchase after paying for 2 years? questioning how this may have occurred, I submitted multiple requests for records nothing was ever provided. the only info I have to go one is what is being reported to the credit bureaus as an outstanding balance. if the vehicle was sold I was never notified as required by law. there is no proof of when, how or what proceeds they obtained from the alleged sale or how any deficiency balance was calculated. my credit report is being illegally re-dated as if this incident just occurred, the balance has decreased and increased back and forth monthly. I have been supplied with no proof of anything to date. my disputes with the credit bureaus results in the account either being verified or updated to show that I recently missed a payment which is all false. I receive both auto dialed and recorded messages constantly harassing me on my cell phone and at work. XXXX has been very deceitful in their business practices an violates bot federal and state laws.I have seen that other consumers are experiencing same issues with XXXX. I may need to take legal action to resolve.

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 2018-01-12 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX 2017 I surrendered my vehicle to XXXX after they refused to provide and disclose account details in writing. I specifically requested a history of how my payments were applied to the loan. desiring a breakdown of interests, principal fees or charges. 
I was not receiving billing statements and was blocked from online access due to my payment being late. the phone recording stated my balance was higher than the original loan purchase after paying for 2 years? questioning how this may have occurred, I submitted multiple requests for records nothing was ever provided. the only info I have to go one is what is being reported to the credit bureaus as an outstanding balance. if the vehicle was sold I was never notified as required by law. there is no proof of when, how or what proceeds they obtained from the alleged sale or how any deficiency balance was calculated. my credit report is being illegally re-dated as if this incident just occurred, the balance has decreased and increased back and forth monthly. I have been supplied with no proof of anything to date. my disputes with the credit bureaus results in the account either being verified or updated to show that I recently missed a payment which is all false. I receive both auto dialed and recorded messages constantly harassing me on my cell phone and at work. XXXX has been very deceitful in their business practices an violates bot federal and state laws.I have seen that other consumers are experiencing same issues with XXXX. I may need to take legal action to resolve.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-12 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX 2017 I surrendered my vehicle to XXXX after they refused to provide and disclose account details in writing. I specifically requested a history of how my payments were applied to the loan. desiring a breakdown of interests, principal fees or charges. 
I was not receiving billing statements and was blocked from online access due to my payment being late. the phone recording stated my balance was higher than the original loan purchase after paying for 2 years? questioning how this may have occurred, I submitted multiple requests for records nothing was ever provided. the only info I have to go one is what is being reported to the credit bureaus as an outstanding balance. if the vehicle was sold I was never notified as required by law. there is no proof of when, how or what proceeds they obtained from the alleged sale or how any deficiency balance was calculated. my credit report is being illegally re-dated as if this incident just occurred, the balance has decreased and increased back and forth monthly. I have been supplied with no proof of anything to date. my disputes with the credit bureaus results in the account either being verified or updated to show that I recently missed a payment which is all false. I receive both auto dialed and recorded messages constantly harassing me on my cell phone and at work. XXXX has been very deceitful in their business practices an violates bot federal and state laws.I have seen that other consumers are experiencing same issues with XXXX. I may need to take legal action to resolve.

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 2018-01-12 00:00:00
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Incorrect exchange rate — 
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
I had a wire transfer sent from XXXX to my account at Wells Fargo. The money left XXXX on XXXX XXXX and was in New York on XXXX XXXX. The money was for both my brother and I. My brothers bank confirmed the deposit on XXXX XXXX at an exchange rate of XXXX. 
On Tues XXXX XXXX I called Wells Fargo and complained about my money and by the afternoon it was deposited into my account at XXXX rate. I had checked the rated for that day and it was at XXXX. 
I have called for the last few weeks the branch and various other departments trying to get a resolution. Today XXXX XXXX I get a call from XXXX, NC.. The woman claims to stand by her decision giving me all sorts of stories about the trail of the money, claiming it went through XXXX. She also was very firm that the exchange rate for the second was XXXX. 
I have documentation that states that the rate was 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