vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-06-20 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Pacific Union Financial, LLC
State: VA

Complaint narrative:
XXXX XXXX and XXXX customer service person at Pacific Union Financial said they over paid our annual homeowners insurance premium because they made a typographical error. As a result, this created a huge escrow shortage in our account. Due to their error, they raised our mortgage payment. Pacific Union paid our annual homeowners insurance premium in the amount of {$2200.00} instead of {$290.00} and as of XX/XX/XXXX our house note went from {$700.00} to {$1100.00} a month. They were previously taking out {$150.00} a month for taxes and insurance out of our escrow account up until XX/XX/XXXX. As of XX/XX/XXXX, they now take out {$550.00} a month out of our escrow account. 
In XX/XX/XXXX, we got a check from XXXX XXXX for {$2000.00} for overpayment. There was no accompanying letter so we thought we over paid something. We have since made a {$2000.00} payment back to Pacific Union but our account still has not been corrected. We were told they would have to do an escrow analysis first before they could fix our account and lower our house note. Then XXXX said they would have to wait for taxes to be paid before they could do an escrow analysis. We called so many times and talked to so many people and were always told to call back in a few days, a few weeks etc., but our account still has not been corrected even though taxes have been paid. We have asked to speak to a supervisor and get put on hold and no one ever picks up. We have asked for supervisor or management names and info as to where to complain about this but were told they didn't have that information! This is horrible and a total nightmare. We have also been given conflicting information by some of the customer service people who said our house payment went up because Pacific Union mistakenly bought unnecessary flood insurance ( we already have flood insurance through XXXX XXXX XXXX XXXX ). We were even told we were going to get a refund however, XXXX XXXX and XXXX said that was not true and our account was never charged for that. 

I am XXXX years old and a XXXX XXXX veteran. My wife is XXXX. We live on Social Security and trying to come up with {$1100.00} a month is a huge struggle for us especially when they are the one who caused this problem. We have never missed a payment or made a late payment but we don't know how long we can keep up having to pay {$1100.00} instead of {$700.00}. Our other bills have to be paid, too. We need our account corrected and our payment lowered and no one at Pacific Union has done anything to fix this. We need immediate assistance as our money is dwindling and we don't want to lose our home because of a typographical error. PLEASE HELP US!

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 2018-06-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
Ocwen reported to credit bureaus I was delinquent in paying mortgage and sent me my pay history. 

They neglected to mention that I made several extra mortgage payments they charged to " principle payment '' because I learned you have to call them directly to tell them to " ONLY APPLY TO PAYMENTS '' As you can see below, here are those payments that should have covered my mortgage payments no matter what so I was never delinquent in paying : XX/XX/XXXX {$1600.00} XX/XX/XXXX {$170000.00} XX/XX/XXXX {$910.00} XX/XX/XXXX {$1800.00} * *Note : The Ocwen phone person is the one who explained they put extra payments into principle only even though I didn't know that she told me she can now click the button that says " ONLY APPLY TO PAYMENTS ''. 

I am asking you to please have Ocwen revise their credit company reports to show I have been on time with my mortgage since the beginning. 

Thank you. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
I submitted all the proper paperwork to XXXX they investigated and concluded that it was reported wrong. They removed the bankruptcies and then put them back on. I have a copy of when they deleted them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
My wife XXXX XXXX has been dealing with XXXX for years with them reporting this loan on her reports illegally. She finally got them to delete the items from her credit for the 3rd and what better be final time. Now they are on my report and they aren't even mine. We filed BK and she included these as a creditor to be discharged. SEE ATTACHED DOCS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-20 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: AZ

Complaint narrative:
My wife XXXX XXXX has been dealing with XXXX for years with them reporting this loan on her reports illegally. She finally got them to delete the items from her credit for the 3rd and what better be final time. Now they are on my report and they aren't even mine. We filed BK and she included these as a creditor to be discharged. SEE ATTACHED DOCS.

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 2018-06-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
TD Bank is doing a true disservice to me and I am owed a remedy. They drag out the processing of my transactions and make it appear as though my transaction happened a different day then they did. On top of that travesty, they then keep overdrawing my account to collect bank fees. They have my account as being overdrawn when it should not be. Someone at TD Bank doesn't know how to do math. My account Balance should be {$54.00} not negative {$140.00}. Now I demand TD Bank not discriminate against me for reporting their misbehaving and close down my checking or savings accounts. I also demand TD Bank credit my account and make my balance what it should be {$54.00}. I also demand that TD Bank stop dragging out the processing of my transaction, trying to overdraw my account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-06-20 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: LOAN TO LEARN
State: AZ

Complaint narrative:
My wife XXXX XXXX has been dealing with Loan2Learn for years with them reporting this loan on her reports illegally. She finally got them to delete the items from her credit for the 3rd and what better be final time. Now they are on my report and they aren't even mine. We filed BK and she included these as a creditor to be discharged. SEE ATTACHED DOCS.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: TX

Complaint narrative:
I purchased my home in XX/XX/2017. At that time I paid the property taxes in closing. In XXXX, Ditech paid those taxes again by their own error. XXXX XXXX immediately refunded the payment to Ditech. Since then, Ditech has continued to charge me for the payment they made in error to XXXX XXXX. The refund was not credited to my escrow account and Ditech has increased my monthly payments by nearly {$500.00} to cover the " shortage '' in escrow due to their error. I've contacted the company numerous time. My emails go unanswered. My phone calls are redirected repeatedly or I get hung up on.

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 2018-06-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bonneville Billing and Collections
State: CA

Complaint narrative:
This complaint is an update to a complaint I filed recently again Bonneville Collections on behalf of XXXX XXXX XXXX. I forgot to mention that this debt is reported as " educational '' but in fact it was for rent at the student apartment housing. At the time, I gave notice to XXXX XXXX that I needed to break my lease and they charged me for 2 months rent plus damages that never occurred. The original amount was about {$1500.00}. I requested a payment plan in exchange for releasing my transcript but they refused and promptly sent my account to collections. This was in 2015 but Bonneville Collections has since purchased the debt, inflated it by thousands of dollars and reaged it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-20 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Direct Recovery Services, LLC
State: TN

Complaint narrative:
Arrangement Department Direct Recovery Services XXXX XXXX XXXX Multiple calls to family members and people at my old address which I had not phone number on file with Leaving long messages in detail about any debt I owe, and calling at all hours of the day. Screenshot of friend who received a very long and detailed message at my old address.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
My wife XXXX XXXX has been dealing with XXXX for years with them reporting this loan on her reports illegally. She finally got them to delete the items from her credit for the 3rd and what better be final time. Now they are on my report and they aren't even mine. We filed BK and she included these as a creditor to be discharged. SEE ATTACHED DOCS.

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 2018-06-20 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Vehicle was repossessed or sold the vehicle — 
Company: Maximum Title Loans, LLC
State: AZ

Complaint narrative:
When I was unable to repay the loan, the company repossessed the car immediately, and has continued to add on fees and harass me calling ( home and job ), texting, emailing, and even showing up at my home repeatedly, all though out the day, harassing myself and relatives. Saying that I owe a balance that is 6 times more than the original loan and after taking the vehicle. The harassment is absolutely ridiculous. I have to file bankruptcy solely in hopes that it will stop them but I have a feeling it will not as these people are relentless.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-20 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Key 2 Recovery, Inc.
State: NY

Complaint narrative:
This company Key 2 Recovery has been calling me at work on a daily basis for weeks. I have told several of their collection agents that I can not receive any type of personal calls at work and instructed them to remove the number. They have refused and keep contacting me. On XX/XX/XXXX, I spoke to XXXX and instructed her to stop calling me at work and to remove the number. She said that she was removing my work number but on XX/XX/XXXX the calls resumed again and I was contacted by XXXX. I AGAIN told them again that I can not receive any types of personal calls at work and instructed them to remove the number. On XX/XX/XXXX, I was contacted once again by XXXX and told her empatically that I can not receive any types of personal calls at work and instructed them to remove the number once again. She instead wanted to dispute that I didn't want to pay a {$4200.00} debt from a college that I stopped attending in 1999. I told her that I did not even know know if the debt bellongs to me or if it's even valid and it's 20 years old and has not appeared on my credit report.I again repeated that I can not receive any types of personal calls at work and instructed them to remove the number and she continued debating about the debt and I hung up on her.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TrueAccord Corp.
State: CA

Complaint narrative:
TrueAccord account number is : XXXX send me an email that I owe a balance to XXXX I cancel by the website on XX/XX/2018 the services they have been contact me or send me a leads to contact potencial customers I have been with them for 2 years and I have never see a benefit for my business, when I cancel the service with them they continue to charge me moth by month 3 in total.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
On XX/XX/2018 I made an electric payment of XXXX in error and can not retrieve my money. I have gone back and forth with both banks with no resolution. The payment was made electronically to XXXX XXXX by Santander and both report they dont have it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-20 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: JPL Recovery Solutions
State: CA

Complaint narrative:
I took out a loan from XXXX in XXXX. With poor credit I didnt have too many borrowing choices, and the loan was at a very high percentage rate of around 120 % interest. I was in a bind ready to lose our home. Husband was laid off and out of work longer then expected. He did eventually find a job and I made my repayments back to XXXX every month until my husband was laid off again. I talked with XXXX to explain that our income went back down and I wasn't able to continue with the high payments. I asked if they could work with me. They could not. My account was sent to JPL recovery out of New York and they offered a settlement amount. I agreed to it and started making payments. I lost my job in XXXX of XXXX and haven't worked since and my husband took to driving out of state in a big rig to earn money. I tried to keep up my payments with JPL Recovery and was working with XXXX. Unfortunately due to financial burden I just couldn't keep up and I missed a payment XXXX of XXXX. This is where the trouble began. XXXX started some type of background check to see what assets I have. She is calling family members and my ex in laws looking for information, even though she has been in contact with me. She stated that they were going to investigate me and my husband so that they could put a lean on his truck and file a court order to garnish his wages. I offered to pay them the missed payment along with XXXX payment but she was not having it and got rude with me. She transferred me to a floor manager by the name of XXXX XXXX and he stated that I only have 24 hours to come up with the settlement of {$3200.00} or further action would be taken to get all the money that was owed from original loan of {$2500.00} plus the 120 % interest along with any court fee costs. He sent me a letter and suggested me to take out a consolidation loan. My credit score is only allowing me few options and it's very stressful knowing I have no way of meeting their demands within the 24 hour  time frame they have given me. I am upset that they have had contact with me but yet XXXX continues her investigation tactics and is calling family and ex in laws looking for information or giving them my personal information to verify. She is being dishonest by telling them I gave her permission to call when that is an absolute lie! .when I took out the original loan I was already divorced from my first husband and would not have any reason to give his or his moms information on the loan documents. XXXX is looking into my information and calling people that have nothing to do with this matter. I want it to stop and the threats to stop. I tried to work with them before and still am. I was willing to still make monthly payments and had only missed one payment. This company is breaking the law and I have rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: HOME BANCSHARES, INC.
State: AR

Complaint narrative:
XXXX was ghost frauded out of my account somewhere around XXXX thru XXXX of 2017. therefore making my house payment be sent back for insufficient funds. XXXX XXXX isn't working with me to resovle this matter, all there looking at is the ATM withdraws not the POS.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-20 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Thaxton Investment Corporation
State: GA

Complaint narrative:
Today received a phone call from XXXX XXXX ( XXXX, Ga ) about collecting on a past due payday loan. The person on the phone instead of listening to me started laughing at me and what I was trying to say. I have hit a very hard patch in paying my bills and until the end of XXXX will not have ANY money to pay any past due bills. Because of the constant oppressive language used by XXXX in XXXX, Ga I wish not to deal with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I have 2 cards with Capital One and both are Quicksilver cards. One ends in XXXX and the other ends in XXXX. My issue with the card ending in XXXX is that my credit union attempted to pay my bill and it did not go through, causing me to be late by 3 days with my payment and Capital one charged me a " Past due fee '' of {$29.00} which they are refusing to reverse. The other card, ending in XXXX, was recently charged a {$39.00} annual membership fee which I was told a year ago, would be permenantly reversed. When I asked about this, a supervisor asked me for the name, ID and badge number of the associate I spoke to, then acted like there were no notes of my conversation with them. First off, how would I know a person 's ID and badge? Next, they have waived this fee every year since I got it, as I was offered a card without a fee first.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-06-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: AES/PHEAA
State: VA

Complaint narrative:
XXXX XXXX XXXX XXXX is showing 90-120 days late payments on credit report. I was told that I was in retroactive deferment. I was told that months that I had missed would have been taken care of but they are showing late on my credit report. The dates are XX/XX/2014 in three loans with XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
I applied online for a credit card from Capital One The card arrived with a fine print agreement which I read and found unacceptable Phoned the impossible to find phone number by calling the validation line and clicking " O ' several times. Informed that account could be closed by submitting my social security number over the phone.Spoke with gentleman called XXXX declining to provide SS # over phone. Informed, therefore account can not be closed. 

I want the account closed and information sharing be prevented.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-20 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
On XX/XX/2018 at XXXX I recieved a call from Midland Credit ( XXXX ) XXXX. I was at work, so I ignored the call. They called me again at XXXX ( 2 minutes later ), I stepped away from my desk and answered the phone. They asked for my wife, XXXX XXXX, I asked the caller if she just called me, she said yes, I asked if she thought it was ok to do that, she did not answer. I've gotten calls regularly from this number, they ask for my wife XXXX XXXX, I tell them this is not her phone number, they proceed to ask for more information but I will not give them any info because they refuse to tell me what the call is regarding. I've asked them to stop calling me.

Company response to consumer: Closed with non-monetary relief