vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-01-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: RoundPoint Mortgage Servicing LLC
State: UT

Complaint narrative:
In XX/XX/2018 I purchased a home in XXXX XXXX XXXX, Utah. Roundpoint bought my mortgage so I did not choose to do business with them. They have been difficult to deal with from start to finish. The most recent example when I tried to do a mortgage recast. I made the application following their procedure to the letter. I offered a very substantial bulk payment towards principal reduction - {$360000.00}. After going through their " rigorous calculation process '' ( their words ) they FedExed me legal documents to sign stating that they would give me a {$0.00} reduction in mortgage payments in exchange for a several hundred thousand dollar principal reduction payment. And for this " rigorous calculation '' they charged me {$300.00}. I should also note that they tried to get me to make the premium reduction payment BEFORE they made a decision about my recast. They say it was a mistake - but their " mistakes '' happen on a regular basis and always in their favor. 

I also would like to note their bullying tactics to try to get you to purchase their services. I received a very accusatory call asking me why I had not yet made my monthly payment. It was completely absurd as I was WELL within the timeframe I had to make a payment and my check had already been sent. The person on the phone then went on to imply that I seemed like I might have trouble making payments and that I had better purchase the service or risk adverse consequences to my credit rating. It should be noted that in 24 years of home ownership, I have never missed a mortgage payment once. 

In the best light, this is a horrifically sloppy way to handle financial services. However, I feel there is a pattern here that needs to be addressed. Read the XXXX reviews and look at the recently settled class action suit against them in you will see that I am far from the only person who has experienced these types of issues. 

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 2019-01-22 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Island Finance Puerto Rico
State: PR

Complaint narrative:
I call to Island Finance/XXXX XXXX  in PR. They denied my pay off balance by phone, online, email or regular mail. 

They obligate go to the branch to get the pay off balance. Its not fair.

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 2019-01-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: Caliber Home Loans, Inc.
State: NV

Complaint narrative:
My Wife and I filed chapter XXXX bankruptcy on XX/XX/XXXX. We included our property XXXX XXXX XXXX XXXX XXXX XXXX , Nv XXXX in the chapter XXXX. The bankruptcy discharged on XX/XX/XXXX Approximately XX/XX/XXXX I finalized surrendering the property to XXXX  XXXX XXXX, because they wouldn't take it out of my name. I requested my credit reports on XX/XX/XXXX. I found that XXXX XXXX XXXX and Caliber homes loans were both reporting adverse and derogatory late payments to all 3 of my Credit reporting agencies. 2 Died in Lieu 's for the same loan. I disputed the both to lines of negative lines to all 3 Credit Agencies on XX/XX/XXXX & XX/XX/XXXX via phone, electronic & written mail with supporting document. They will not remove either line off my credit report. I can send the full bankruptcy filing upon request ( 72 pgs ). Pertinent docs include on attachment 1.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-22 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: CITIBANK, N.A.
State: NY

Complaint narrative:
I recently noticed on my credit report that my best buy account is reporting late payments for over a year and that the account is now closed and negatively effecting my credit. I tried contacting best buy and they were of little help stating that only the minimum was sent, but even if the minimum was sent i shouldn't have all of these late payments on my credit report. I am attaching to this complaint the proof of payments that I made to best buy from my XXXX XXXX  savings account. I tried disputing this information with the credit bureau and they continued reporting the debt. Best buy has been difficult to work with. I have proof of making all of the payments that they are recording as a late or missed payment on my report.

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 2019-01-22 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: PA

Complaint narrative:
This a XXXX XXXX loan for my daughter. She graduated in XX/XX/XXXX. Our loan is through Navient, The next payment is due on XX/XX/XXXX for {$800.00}. Navient tells me they can not lower my payment. I am trying to figure a way to make the payment more manageable. Do you have any ideas. 

XXXX XXXX Balance {$100000.00} XXXX XXXX  XXXX XXXX. 
XXXX, Pa XXXX Email : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: REGIONS FINANCIAL CORPORATION
State: GA

Complaint narrative:
The Regions Bank Branch in XXXX, GA has been stealing funds from bank members. Most recently I was charged another overdraft fee and didnt opt in for Overdraft coverage. Im also not being refunded authorization charges. The authorization at XXXX where changed XXXX to prevent a refund. The order numbers are XXXX,XXXX,XXXX,XXXX. This also happened at the XXXX XXXX with a charge of XXXX Made XX/XX/2019 that was never refunded. Also at the ATM they grayed out ATM withdrawal and check cashing options and didnt allow it to be processed.I have had atm issues before I was recently short changed. They might also be monitoring bank account balances trying to contact employers as well.

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 2019-01-22 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: TN

Complaint narrative:
I am writing this due to non-compliance with Equifax. They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-22 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paramount Recovery Systems, L.P.
State: TX

Complaint narrative:
I have contacted Paramount Recovery in the past on regards to this medical debt from XX/XX/2014. In the conversation I wanted the account off my credit and advised the credit bureaus that I dispute the debt because I truly have no idea who this Dr. XXXX XXXX is and no recollection of any services rendered. Yes, I did want to resolve it just to get it off my credit, but the agency has failed to prove these services were rendered to me. They sent me a standard collection letter. When I contacted them this week, they could not provide any details. They did not know if I had insurance, if insurance was filed or what service this doctor so call rendered to me. I was flat out told that they do not have any of those documents available. I have seen no documentation with my signature or photo identification proving this debt truly does belong to me. I have disputed with the credit bureau and they keep saying that the debt is valid. How did they validate if the agency doesnt have any documentation? I need this debt removed from my credit report for lack of proof and validation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
The account was opened on XX/XX/XXXX. I believe account was closed on XX/XX/XXXX. I got a derogatory mark on my credit report ( XXXX, XXXX, and XXXX ) stating that I had 120+ days late payments and that I owed a balance. I called the company immediately after noticing the derogatory marks when running my annual credit report. I had not received any prior notice for this debt. After speaking with the collection company I was told the letters were being sent to my old address. I paid the amount due in full and asked if I could have the item removed from my report. I would like that this derogatory mark is removed from all 3 credit bureaus. 

The balance is also incorrect and shows a high balance of {$1200.00} when the max on the card was {$1000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: American Capital Enterprises, Inc.
State: CA

Complaint narrative:
I was refinancing my mortgage in XX/XX/ 2018 and my lender told me that there was an unpaid collection of {$1600.00} on my XXXX  file. I was provided with the contact information and the account number of the collection agency. I called the company and was told by the person handling the account that the money represented an amount owed to their client for towing and impound services ( apparently the vehicle was never retrieved ). I asked how they identified me as the individual owing the money and he claimed that they had obtained it from the Department of Motor Vehicles, He claimed that the license plate of said vehicle ( a XXXX XXXX ) showed that it was registered to me. I asked for the license plate number so that I could research said vehicle and he refused to give me that information so I was unable to contact the DMV to do research. Instead he told me I should go to the DMV and ask for a list of vehicles that were at some point in time registered to me. 

The facts are as follows : I have never owned a XXXX XXXX and I have never had a vehicle towed. I have no knowledge of this matter and I do not owe them any money.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-22 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: CITIBANK, N.A.
State: TX

Complaint narrative:
I have received a copy of my credit report with the following company inquiry on my report without prior authorization from me for credit inquiry.

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 2019-01-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: General Motors Financial Company, Inc.
State: TX

Complaint narrative:
Bought a car, was ripped off in payment as it was increased after loan was signed. I paid on time then could not keep up with payments. I tried to refinance for a smaller payment, they refused so I told them I voluntarily surrender the car. I made sure it was clean and had gas. It was in great condition, they picked it up like I was a criminal, I handed them the keys. They auctioned it or sold it. And tried to get me to pay {$12000.00}. They then charged it off as a bad debt write off for taxes. Reported me being late XX/XX/XXXX, what it was charged off in XXXX, still reporting late payments and a balance due of {$12000.00}. FCRA says if it is charged off the balance is XXXX as they can no longer collect. It has been written off their taxes. I have disputed all three credit bureaus and GM still has not corrected. I have also called them directly and they are still reporting incorrectly. Do not use under any circumstances. You will be XXXX in the end.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-22 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: TX

Complaint narrative:
I have received a copy of my credit report with the following company inquiry on my report without prior authorization from me for credit inquiry.

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 2019-01-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Nelnet, Inc.
State: GA

Complaint narrative:
Nelnet took over my loan in XXXX. I paid monthly until the end of XXXX. I was on Income Based Repayment. Anything after 25 years is forgiven. At the end of XXXX my loan payment went from {$200.00} a month to {$400.00} a month. I called Nelnet and told them I could not afford that monthly payment. I told them I could pay the $ XXXX monthly and they told me that was unacceptable. I would need to fill out new paperwork and instructed me to fill out more financial information on their website. I did this and on their website, it told me my " expected payment '' was around {$190.00} based on the answers to their questions, however, this could not be done on the internet and their website instructed me to call them back. At the same time I requested additional information ; a copy of my master promissory note, documentation for a " pay-off '' amount of my loan, and a statement of my account for the length of the loan. Only the copy of the note was provided, nothing else. Meanwhile, I went back and forth with Nelnet for the next 2 years, including up to 12 phone calls and emails. Nelnet finally defaulted me to the Dept of Education. I explained this to the Dept of Education, they noted it and sent me paperwork for a review ( they had also added $ XXXX to my loan amount ). Before I could send my paperwork back in the Dept of Education sent me to collections, who added another $ XXXX to my loan, increasing it $ XXXX in a matter of months.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: SUNTRUST BANKS, INC.
State: GA

Complaint narrative:
I have been affiliated with Suntrust Bank for about 10 years. I use to have an account with about a balance of XXXX. I have a reason to believe around 10.000 at least has been stolen. I closed the bank about after I had an overdraft fee. Somehow a worker inside the bank found a way to steal money. The charges didn't add and sometimes funds where withdrawn at odd times. I would like this to be investigated promptly.Over the Years Bank tellers at Suntrust Branch have stole money others you will discover this if you research properly.

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 2019-01-22 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: Westlake Services, LLC
State: SC

Complaint narrative:
I have Westlake Financial reporting on my credit report incorrectly. The amount due and the date opened is incorrect. They must have the account mixed up with someone else. I have requested the original documentation from them and they will not provide it to me. They have stopped returning my calls when I ask for a supervisor or they will hang up on me. I tried to tell XXXX this so they can assist me, but they wont request the original documents either. They just respond saying account updated. Please advise how to get this account information either removed or updated correctly.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-22 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Valentine and Kebartas, Inc.
State: GA

Complaint narrative:
repeated calls from different numbers

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-22 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA

Complaint narrative:
I am a XXXX XXXX  employee in XXXX status due to the XXXX. Toyota Financial Services has offered help to those affected that have good standing loans/leases with them. My lease is in good standing. 

To my surprise, they offered me a 60 day deferral ( moved to end of lease ), for a fee of approximately {$290.00}. I was shocked! They are not helping us, they are helping themselves to additional charges to XXXX XXXX that are vulnerable. 

I have contacted 3 other financial institutions that I have business with. All agreed to defer one or two months, interest and fee free. 

This is wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC
State: WA

Complaint narrative:
I pulled all 3 of my credit reports to find out what was showing on them, as I hadn't done it in a long time. I was shocked to see accounts that I do not recognize, including companies I've never done business with. One of these was : Sunrise Credit Services The address listed on the credit report is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX The account number that they are reporting is " XXXX '' I was advised to send a " Validation '' Letter to them to validate the debt under the FDCPA and FCRA. I have attached the letter with my complaint. I mailed it " Certified Mail '' so that I would be able to verify that they received it. USPS.com tracking shows that it was delivered on XX/XX/XXXX at XXXX XXXX. I have also attached a copy of the " Certified Mail Receipt '' so that you can see the tracking of this letter. 

Under the law, they had 30 days after receiving the validation letter to respond to my letter and validate the debt that they're reporting to the credit bureaus. It has been 53 days ( Today is XX/XX/XXXX ) and they have not sent me anything at all. I have given well over the 30 day window for them to correct this and validate this debt they're reporting, but they have not done so. 

Please note that before sending the validation letter to this company, I also sent a dispute letter to all 3 credit bureaus ( XXXX, XXXX, and XXXX ) and Sunrise Credit Services have NOT removed this account from my credit reports, or have sent me any kind of validation. 

I request for this company to remove this account from my credit reports immediately, as they have not followed the law, including FDCPA Section 809 ( b ), which carries a {$1000.00} fine for not validating the debt and still continuing to report it on my credit reports. 

Thank you for helping me resolve this matter.

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 2019-01-22 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I opened a credit card dispute for a charge amount of {$2500.00}. for merchant XXXX XXXX XXXX XXXX. The merchant breached my agreement by not providing services listed in the agreement. The NC state bar association is still investigating the attorney for wrong doings. I told Capitol one very clearly that all communication regarding this dispute is to be sent to my Florida address as I am living in Florida for part of the year. Capital one was requesting additional information regarding my dispute but, sent their request by US mail to the WRONG ADDRESS! Once I realized their mistake I called the bank and told them I have the information they needed and they said " it was to late they closed the dispute. '' I explained the dispute was closed in error since the bank send the request for additional information to the wrong address. If I got the letter at the correct address the information they were requesting would have been there on time. 

I was defrauded by the merchant and XXXX by the credit card company ( Capital One ). The case against the merchant is being investigated by the NC state bar association and they suggested I request a dispute until the investigation is complete. Furthermore a state judge dismissed the attorney from representation and issued me another attorney THIS WAS A COURT ORDER! removing the merchant and ordered another attorney. I can't pay for the same service with another merchant that's just wrong! 

The bank didn't care and closed the case and are not willing to re-open the case and make good on their mistake by issuing a credit or a goodwill credit. 

I DO NOT OWE THE {$2500.00} and MASTER CARD WOULD HAVE RESOLVED THE CASE IN MY FAVOR IF CAPITAL ONE PROPERLY HANDLED MY DISPUTE. 

Because of the negligence of Capital One I am requesting they remove the charge of {$2500.00} for their mishandling of my dispute. OR re-open the dispute and let the charge card company make the decision in the mater. 

THIS CHARGE OF {$2500.00} MUST BE REMOVED OR PLACED IN DISPUTE AND ALL INTEREST WAIVED WHILE THE CASE IS PENDING WITH THE NC BAR ASSOCIATION.

Company response to consumer: Closed with non-monetary relief