vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-01-12 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: REGIONS FINANCIAL CORPORATION
State: FL

Complaint narrative:
I had a installment loan from Regions Bank account number XXXX I was paying on time until XX/XX/XXXX when my daughter got hurt in hurricane Harvey let them know why I could n't make the payments then in XX/XX/XXXX I and the rest of my family had our house distroyed do to hurricane Irma. Called and explained that regions bank took the little bit of money I had in my checking account without my permission and applied it to the loan then reported it as late with the credit bureau 's and closed the loan out so I could n't borrow any more on it they have gone in and taken 5 payments out of my checking account even knowing I am struggling to get my feet back on the ground they did n't care about anything but their money

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: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: NJ

Complaint narrative:
As of XXXX XXXX, XXXX, XXXX continue to be denied access to information per the Real Estate Settlement Procedures Act ( RESPA ) regarding my deceased parent 's home from XXXX XXXX XXXX XXXX, and more specifically, Select Portfolio Servicing , IncXXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, UT XXXX My mother XXXX XXXX in XXXX XXXX and my father XXXX XXXX in XXXX XXXX. Their estate is insolvent and therefore, mortgage payments could not be made by the estate. The mortgage is currently in default. 

Shortly after my father 's passing, I timely initiated communication with XXXX XXXX XXXX XXXX and informed them of the situation. On XXXX XXXX, XXXX, I received notification from Beneficial stating, " Based on the documentation provided by you, or on your behalf, XXXX XXXX XXXX XXXX, acknowledges you as being responsible for the borrower 's estate. Our records have been updated to reflect this information. We are committed to facilitating communication with you regarding the borrower 's mortgage loan account and will work with you whenever possible. '' I forwarded this documentation to Select Portfolio Servicing in an effort to continue home retention option communications and successor in interest obligations, which was previously approved by XXXX during our communications. I was then later notified by Beneficial that my father 's loan was transferred to Select Portfolio Servicing , Inc. effective XXXX XXXX, XXXX, and subsequently transferred to XXXX XXXX XXXX XXXX by XXXX XXXX XXXX XXXX, XXXX. XXXX did state that all documents regarding communications, negotiations, modification requests, etc. would also be transferred to SPS without interruption. 

Numerous requests to Select Portfolio Servicing, XXXXnc ( SPS ), including a Qulified Written Request, has been responded to with time delaying, strategic, " cookie cutter '' requests for me to get authorization from my deceased parents allowing me to speak with them regarding their account. However, they are sending notifications for my parent 's estate and myself to my personal home address. I was utterly disgusted by the telephonic conversation I had with a female representative of SPS on XXXX XXXX, XXXX regarding this matter. She was unresponsive, rude and unprofessional and did not even remotely attempt to resolve my issue or address my concerns. This is the well documented reputation of this company, past and present. There failure to adhere to the Realestate Settlement Procedures Act ( RESPA ), as well as New York State policies and procedures regarding any successor in interest of a deceased borrower is unconscionable and inexcusable. I can provide documentation for all or any of my communications for both XXXX and SPS.

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: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: WESTERN UNION COMPANY, THE
State: CA

Complaint narrative:
XXXX - XXXX. 

I sent {$180.00} and paid {$15.00} for a one business day and the money wasnt delivered as promised and it did not get to the receiver until today.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
I received a credit card statement in the mail from Bank of America. It has my name and address on it, however I did not open the card. I am guessing a fraudster got my information from the XXXX Breach.  The card has been used and there is a balance of {$1000.00} on it. I called B of A on XX/XX/XXXX to report the fraud. I have received nothing in the mail acknowledging the receipt of my claim and no resolution. I have called the company 4 times and have received various answers as to why I have gotten nothing in the mail and have been told that they have 60 days to resolve it. In the mean time this is getting reported to the credit bureau late as I am not making payments to an account that is not mine. I thought per Reg. E they had 10 business days to respond to me and at least acknowledge my claim. Also their verification procedures are terrible. The account should be flagged for fraud and they verified me with my name/address and DOB, which is what the fraud person used to open the account in the first place.

The sense of urgency on this is completely lacking. I would appreciate any help in getting this resolved. 

Thank you- 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 card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
X/XX/2018 cabelas XXXX credit card changed the policy that we agreed to pay without a op out option, we never received a notification in the mail, they changed the way they calculate the minimum payment and our payment increased {$100.00} above what we agreed to normally pay in our policy agreement, I talked to the company and they said too bad.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-12 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: IL

Complaint narrative:
On XX/XX/XXXX, I made 2 ACH withdraw from XXXX. one for $XXXX, one for $XXXX.On XX/XX/XXXX, I made another ACH withdraw from XXXX.On XX/XX/XXXX, I found out from my bank, XXXX, that they have suspended my account by mistake, they reopened my checking account but they sent those ACH deposits back to XXXX already.Since then, I have been contacting XXXX multiple times via email, phone call to see if I can find out where those total of $XXXX returned fund is. I got some standard response about they will let me know when they have more information.I confirmed from XXXX XXXX multiple times that the money is already sent back to XXXX XXXX  account the same day. And it will be up to XXXX to credit those fund bank to my XXXX  account.So far, 3 weeks past, I still didn't have any information about where that $XXXX fund is and what XXXX will do to fix the issue.XXXX Case ID: XXXX

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: Ditech Financial LLC
State: CA

Complaint narrative:
I have been working with Ditech to complete a loan modification since XXXX of XXXX. Since then, we have been calling in to get status updates weekly. Since XXXX of XXXX we call in and we are advised that " the file is in review ''. When we finally called back on XXXX XXXX, XXXX, we spoke with XXXX in their Loss Mitigation department and he looked deeper into the status of the account. At that time, he noticed that the file had never been submitted over to the Loss Mitigation department and the department I had been talking to was the Collections department. He advised that they are not even supposed to be providing status since they are not able to view the same notes. I have now wasted months with inaccurate information. XXXX did advise that he was going to have the file escalated to a Supervisor immediately and I would get a call within 48 hours. Today when I called, they advised that there had been no response to the escalation after being hung up on twice. At this point, I feel like I may lose my home due to their negligence. I need your help in stepping in. Please, i do not want to lose my home.

Company public response: Company believes complaint is the result of an isolated error
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: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
XXXX XXXX Account is incorrectly reporting missed and late payments. This is incorrect Accounts is closed and paid in full creditor is still reporting this incorrect information. XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX XXXX XXXX is reporting a late/missed payment, this is incorrect, and account is paid in full. Creditor is still reporting incorrect information. XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX XXXX/XXXX is reporting a late or missed payment this is incorrect, account is paid in full, date opened XX/XX/XXXX address XXXX XXXX XXXX XXXX XXXX SD XXXX XXXX XXXX is closed and paid in full, but it is showing a missed payment this is inaccurate. XXXX XXXX XXXX XXXX OH XXXX XXXX/XXXX is paid in full and open creator is reporting a missed or late payment this is incorrect date opened XX/XX/XXXX address XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX is open and current, is reporting incorrect information missed or late payments date opened XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX

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: The Outsource Group, Inc
State: OK

Complaint narrative:
On XX/XX/XXXX of 2017, I contact the collection company to get the information regarding this debt and address to send in a validation letter. They stated that I can fax it in and they provided me a fax number of XXXX. I faxed in a validation letter and a cease and desist letter. They contiuned to contact me and leave messages 2 to 3 times a day. I contact back in on XX/XX/XXXX, asked the collection if she sees any notes regarding the cease and desist and the validation letter. She stated no and that we need to just take care of this debt. She proceed to tell me about the debt and I tried to tell her that I belive the debt is not mine. She stated that was interesting because it went through my insurance and that I had made payments before to the original company-My response was, I have lived in Oklahoma during the time of when the debt occurred and the hospital that is billing me is in XXXX  XXXX. And if she would like-I can send her my mortgage of the home I purchased in Oklahoma.!!! She didn't say anything after that and proceed to tell me to send in the validation letter again. I did, with the cease and desist paperwork. I have the fax confirmation letters for both times and they still keep calling 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 2018-01-12 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company
State: CA

Complaint narrative:
In XX/XX/XXXX I fell behind on my mortgage and racked up some debt due to several visits to the ER and absences from work. 

I reached out to my mortgage company, Freedom Mortgage and applied for loss mitigation. I submitted paper work on XX/XX/XXXX and after some back and forth dialog regarding one missing signature on a document, I submitted the final document on XX/XX/XXXX. I then received a letter dated XX/XX/XXXX stating my application as of XX/XX/XXXX was " facially complete '', and that a final decision is expected to be communicated withing 30 days. 

Instead I received two letters after XX/XX/XXXX, dated XX/XX/XXXX, stating my request for assistance has been received, at this time you application is incomplete, requesting all the documents I had previously submitted. Essentially starting the process all over again and negatively impacting my time line to request assistance and receive the appropriate assistance. 

All the documents requested are documents that were already provided. I believe this is intentional, the customer support team apologized and said they do n't know why, but this happens ALL THE TIME. The words of several customer support representatives. 

This is wrong and negatively and unfairly impacts people looking for assistance during trying times. Again, the items that they are requesting are the same items they described as facially complete.

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 — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: SRA Associates, Inc.
State: CA

Complaint narrative:
XXXX/XXXX/2018 SRA Associates called my place of employment at XXXX. I work at a call center and not allowed to accept calls that are personal. They call and hang up. Need help in getting them to stop calling my place of employment.

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: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Atlanticus Services Corporation
State: NJ

Complaint narrative:
on XX/XX/2017 I applied for XXXX XXXX credit card and I had hard inquiry on XXXX  which fine and normal then I found another hard inquiry for same company on XX/XX/2017 I did apply for the credit onetime and I got approved on XX/XX/2017 for credit line XXXX . I never apply again to get another hard inquiry for same credit card in few week after XX/XX/2017. its from XXXX XXXX for XXXX XXXX XXXX XXXX. thanks

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: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
{$2000.00} was cashed as a check against my account XXXX XXXX. I bank with chase bank. I called them the same day my the amount showed in my account. I live in XXXX Georgia, and the check was cashed in New York. I informed the bank, and they told me they will credit my account in 3 business days while they investigate the issue. Usually, they are supposed to just call the money back. I showed them proof and i sent them a copy of the check in my account. I didnt issue it. 3 business days passed and i have called and they given me different deadlines. It has been a month now and i have not received my money. I called today XXXX XXXX and they told me i need to wait 30 to 90 business days.

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: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
On XX/XX/XXXX I was declined for credit by XXXX XXXX XXXX XXXX as a result of a pull from " Trans Union ''. On XX/XX/XXXX I requested my report from trans union via snail mail but received no reply. I re-mailed the letter again on XX/XX/XXXX and have n't received a response yet. It is unfortunate that unless the CFPB intervene trans union will not comply with regulations.

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 2018-01-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
on XXXX XXXX XXXX I applied for XXXX XXXX credit card and I had hard inquiry on Equifax which fine and normal then I found another hard inquiry for same company on XXXX XXXX XXXX I did apply for the credit onetime and I got approved on XXXX XXXX XXXX for credit line XXXX . I never apply again to get another hard inquiry for same credit card in few week after XXXX XXXX XXXX. its from XXXX XXXX for XXXX  credit card cos. thanks

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 — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Opened a few fraud cases when I did not use my atm card lost my pin and reported to Bank of American they did not want to pay my claims!!

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 — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: AMERICAN EXPRESS COMPANY
State: IN

Complaint narrative:
American Express called my mom about my account being delinquent. She told than I do not live there and tried to give them my phone number. They would not take it. They then tried to bully her into making a payment. She told them no and since they would not take my phone number she said she would call me and relay the message. Then she got a letter in the mail saying they took money out of her checking account. Her checking account information has never been associated with my credit card. This is totally my credit card I got an additional card with her name it for her to use as a supplemental card in case I needed her to. She has never used her card. They used her information that I gave them and looked to see if she had a card of her own which she does. She has had her own card for over 20 years. They then got her checking account information and took the money without her consent. They stole her money. They said they put the money back in my checking account and when I asked them why they would do that then they came back and said they aint a check out to my mom already and that she should get it by the XXXX of this month. She kept saying do t worry. Well it is too late for that. My mom has had to borrow mo eu so she could pay her bills. They said they wanted {$160.00} paid on the XXXX of XXXX I paid {$170.00} and they still took that much out of her account and then they stole another {$1400.00}. That is not not right!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-01-12 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Fraudulent loan
Company: Equitable Acceptance Corp
State: NJ

Complaint narrative:
I received mail from EQUITABLE ACCEPTANCE, stating they would help me consolidate my loans and enter their forebearance/Repayment Plan. From what I was told, I would not be paying XXXX ( my original Federal school Loan company ). After signing documents, I allowed them to access my XXXX account my temporarily lifting the freeze. I then was being charged by XXXX and Equitable acceptance at the same time for my repayment plan. which equitable acceptance told me would NOT occur. after emailing asking about this, I never received a response by phone or email from any equiptable acceptance representatives. I took it upon myself to call XXXX and asking why I was being charged by then when I was consolidated by equitable acceptance. That 's when the XXXX representative named XXXX explained to me that I have been scammed. She proceeded to tell me that I need to call my bank and change my account number so they will not ever charge me. I did call my bank and will be changing my bank information. I also have filed a dispute with XXXX. I am afraid that once they find out about this, they will still try to use my social to access my bank information.

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: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I TRied making a deposit to an Bank of America Bank atm to make a deposit before I got hit by many over draft fees bank errors

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: Incorrect information on your report — Account information incorrect
Company: Navient Solutions, LLC.
State: NV

Complaint narrative:
I 've been disputing these charges XXXX2008. I contacted the original lender XXXX who was supposed to be working with XXXX XXXX with regards to the refund amount that was supposed to be sent back to the original lender. That was never completed by XXXX XXXX and the amount owed is inaccurate for only attending for a period of 8 months of a 2 year program. XXXX never sent a the original lender the refund required and the lender charged off the account due to XXXX never responding to the lender at the time so the lender sent the entire balance for collection. Please see attached documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-12 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: CURO Intermediate Holdings
State: TX

Complaint narrative:
I opened the account on XXXX XXXX, XXXX for the amount of {$300.00} or so. I was being charged excessive amounts of interest and was unable to make the payments. The company then proceeded to put my account into collections.

Company response to consumer: Closed with explanation