vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-04-03 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: WI

Complaint narrative:
UDAAP complaints related to servicing issues : 1 ) SPS failed to process automatic authorized ACH payments for which adequate funds were available each of the authorized payment dates. Their failure to properly process these payments has resulted in the mortgage holder initiating foreclosure action. 
SPS provided the letter dated XXXX XXXX, XXXX stating ACH payments may be established by returning a completed and signed form, along with a voided check. We returned the completed and signed 'Authorization for Withdrawal and Direct Payment Agreement ' form along with a voided check to SPS. SPS provided an acknowledgement that payments of {$3700.00} would be withdrawn from the account beginning with the XXXX XXXX payment. 
2 ) The SPS Escrow Analysis document ( see Attachment C ) illustrated SPS paying real estate taxes one time during the year and collecting a two month escrow cushion. 
Collecting and maintaining an escrow cushion is a change in servicing practices from what was stated on our initial disclosures which ( see Attachment D ) with do not reflect such a cushion in the Truth in Lending Disclosure Number of Payments, the HUD-1 Reserves deposited with lender section, line XXXX or XXXX ; and the Good Faith Estimate of Settlement Charges To date the loan servicer had not collected an escrow cushion at any time since origination in XXXX and had historically paid the real estate taxes semi-annually. These changes by SPS resulted in SPS requiring either a one-time payment of {$6300.00} or a monthly payment increase of {$500.00}, from {$3700.00} to {$4200.00}. 
Had SPS chosen to make semi-annual payments, as had been the practice to date for XXXX, there would have been a surplus of {$440.00} rather than a shortfall ( see Exhibit XXXX below ) without the added 2 month cushion or a shortfall of {$1000.00} with the added cushion. 
We contend that this large adjustment was the result of unnecessary practice that is unfair and harmful under UDAAP.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-05 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Account terms and changes
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY

Complaint narrative:
Trans Union had an " inquiry issue '' Trans union deleted XXXX inquiries from my trans union credit report. About a week later they replaced these items back on my report. They never sent me any letters or attempted to make contact with me to let me know they added items back on to 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 2017-04-06 00:00:00
Product: Credit card — 
Issue: Cash advance fee — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I was told my a Chase bank center near my house that if I withdrew cash from my Chase Credit card that there would be " NO '' cash advance fees. When I got my statement a 3 % was charged about XXXX times. I called Chase and they will not reverse the charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-06 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
Restore my dispute page/Do not lock me out/Respond to mysecure messages/Refund me all those late fees and reversal payment fees and stop controlling how I make my payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-05 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: Senex Services Corp.
State: KY

Complaint narrative:
SENEX COLLECTION REPORTING ON XXXX CREDIT REPORT A COLLECTION WITH XXXX HOSPITAL WHICH IS NOT MINE..ONLY DEAL WITH XXXX IN THE PAST XXXX..ON XXXX ....

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-09 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
My student loans are being paid through Navient. I have been paying on my student loans since XX/XX/2006. My initial loan balance was about {$5000.00} or a little more. Currently my loan balance is {$3900.00} some of my loans are subidized and some are unsubsidized. I am being charged SO much for interest and this is giving me no relief in paying my loans off. I do n't think that I 'm being billed fairly. Navient has had a lot of issues an I feel that my loan needs to be looked into.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-05 00:00:00
Product: Credit card — 
Issue: Other — 
Company: Capital Management Services, LP
State: FL

Complaint narrative:
Got a call on a credit card account that was delinquent and had been turned over to Capital Services debt management to collect the outstanding balance of ~ {$2500.00}. I did not recall having an account with the credit card company, XXXX. I then called XXXX and they confirmed that I DID NOT have an account with them. I then called Capital back, but they would not discuss anything with me unless I gave them my SSN. I was not about to give then any information, so we hung up. 

I looked the company on the Internet and saw/read many complaints. Sounds like these folks are scammers and I wanted to report them to someone official.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-10 00:00:00
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: Global Recovery Group
State: SC

Complaint narrative:
I am receiving threatening phone calls stating I owe money but will not tell me what this is for. XXXX. I am recently widow and I am scared.

Company response to consumer: Untimely response
Consumer complaint received 2015-08-14 00:00:00
Product: Consumer Loan — Title loan
Issue: Applied for loan/did not receive money — 
Company: TRICO FINANCIAL SERVICES, LLC
State: AL

Complaint narrative:
I visited a local loan provider to apply for a secured loan using the title to my vehicle. I was approved but wanted to think on it for a bit. After a week, I went back to them & told them I was ready to get the loan. The employee said yes sir, we 've had you paper work ready & approved sitting there for the last week. While I was in the process of finishing up the paperwork, I was asked to get a copy of my recent check stub & bring proof of insurance. Went to my home & called them back to make sure I was bringing back the correct information that was needed & while on the phone, a different worker that I had not been dealing with got on the phone & told me that she had remembered a loan my father had with them at XXXX time where payments were n't made on time & because of that, they would n't be able to give me the loan. She said that on the loan my father had that I had said I would make the payments in which some payments I did make for my father then he finished making payments to eventually finish the loan out but in no way was I tied legally, my name nor my credit was associated with this loan of my fathers in any sort of way. How can a loan decision for me be based off of another loan a family member had when I had no legal obligation or ties with that loan?

Company response to consumer: Untimely response
Consumer complaint received 2017-03-31 00:00:00
Product: Debt collection — Auto
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: COOLEY ENTERPRISES INC
State: TX

Complaint narrative:
I have not received any documentation validating the debt that they are trying to collect. I have not been provided with a contract or any instrument bearing my signature validating that this debt is mine.

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 2017-03-26 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: Army and Air Force Exchange Service
State: GA

Complaint narrative:
I was not properly notified of the delinquency in this account. I was under the impression that I had paid the accounts off. It is possible that the later charges on the account were fraudulent. I learned of the delinquency of this account when I was notified by the IRS that my tax refunds would be offset for a federal debt. This account has been paid in full since 2014.

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 2017-04-08 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
I have sent in dispute letters on several different occasions asking the credit report bureau ( Equifax ) to mail me out documentation that shows that XXXX accounts belong to me XXXX XXXX XXXX, XXXX and have not received documentation. The first dispute letter I sent was in XX/XX/2017 ; XX/XX/2017 ; XX/XX/2017 in which I have n't received anything in the mail but can log into the Equifax dispute center online and was able to review a letter from Equifax stating the account has been verified but with no documentation listed. I have mail out dates starting back from XX/XX/XXXX but yet to receive anything that states this is my bill and should be on my credit report. I also called and spoke with a representative that advised me that the accounts were verified over the phone with account holder and I thought that 's not how an account should be verified, I need some assistance with this situation because I am being ignore by Equifax and need documentation to prove that the account has not been verified by the bureau ( Equifax ).

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-08 00:00:00
Product: Debt collection — Payday loan
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Mobiloans, LLC
State: TX

Complaint narrative:
Name of Creditor : MOBILOANS LLC Address : XXXX : XXXX, LA XXXX Re : MOBILOANS LLC Amount : {$760.00} Dear Sir or Madam, I am disputing the validity of the debt referred to above. I am not aware of the account number and you have not informed me of the existence of this account. 

I am willing to pay this account IN FULL ( or a settlement percentage, whichever is feasible ) if you agree to immediately delete the account from the credit reporting agencies ( namely XXXX, XXXX and XXXX ) that you have reported to, and validated this account. My sole purpose is to get this item removed from my file. This letter should not be interpreted as recognition of the debt or acknowledgment of liability for the debt.

Company response to consumer: Untimely response
Consumer complaint received 2017-04-03 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: MEDCAH, Inc.
State: HI

Complaint narrative:
I was living with a friend and moved out they where notify and the cables still continued to be on there for it became a huge bill. Never received anything about tell I checked my credit score

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-09 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
The credit companies are reporting I have a Bankruptcy and Tax liens reported by different courts. The courts DO NOT report Bankruptcy or Tax Liens. This information is being reported incorrectly. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: AES/PHEAA
State: GA

Complaint narrative:
I need for fedloans to update my payment history on my credit report. my loans was in the deferment status

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-29 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IN

Complaint narrative:
My 5th 3rd Bank account has been hacked and I have notified them about the breach. This continues to happen after I went into the branch to state I have no online account and nothing is to be transferred out besides my mortgage payment. You see the Bank forces me to keep an account there because I took out a mortgage with them. That said, I complained to the loan officer while doing my loan paperwork that she is sending my private information through unsecured emails. I asked if they have secure email and she said yes and I said I do n't need a password or anything like with other Banks? 
No not at all, my bank records, social security number birth date and address all out there with no protection. Since then I have had my XXXX acct hacked and 5th 3rd twice and closing the account tomorrow. I called 5th3rd corporate office in OH only to find out they do n't have any compliance department and I mentioned the CCO 's name and she replied " I have no way to contact him or his department. 
I understand there are rules in place within the Gramm-Leach-Bliley Act that are not being observed by the Bank. I really need some help dealing with the Bank. 
p.s. The documents I provided to the Bank were emailed through a secure encrypted email system much like other Banks use. Opening it would require a password.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-29 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: LK Manley, Inc
State: VA

Complaint narrative:
I have on several occasion disputed this collection debt with Valley Credit Service Inc. I have asked for documents with my signature via a debt validation twice and they have only supplied me with a bill that was {$480.00} and now they want {$690.00}. They have reported this to the credit bureaus and failed each time to submit docs with a valid signature of mine showing that this debt was mine. We are military and they cover my XXXX so I know this was bogus.

Company response to consumer: Untimely response
Consumer complaint received 2016-07-25 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Riverwalk Financial Corporation
State: CO

Complaint narrative:
I went to XXXX XXXX and it has been closed due to predatory lending, unfulfilled guarantees and promises and fraudulent grade reporting to ensure higher graduation percentages. Deville Asset Management, LTD contacted me in XXXX. They said the loan was turned over to them for collections. When I tried to ask about the validity of the loan, they just verified that I went to XXXX and said I needed to pay it immediately or make a payment plan. I had been paying it directly to XXXX and they just stopped sending me anything in the mail in XXXX. I had read somewhere about the closing of the school in XXXX. That is when I applied for the loan forgiveness. I believe Deville bought the loan for pennies on the dollar and are expecting me to pay it without verification that I owe it. I also believe they are only interested in their profit, not the truth of whether I really owe. They look as predatory as XXXX does. I did not receive goods and services I paid for and feel I do not owe it. I need someone to remove it from my credit report or explain why I would have to pay the loan if my degree it was for is not any good to me now. XXXX has a guarantee that if a student is not in a degree-related job within six months of graduation that they will pay {$250.00} toward their monthly bills. I did not receive this service, hence unfulfilled guarantees. The number I have for XXXX does not work. It sounds like a voicemail recording, but I can not understand what it is saying. At the tone, I have left messages but no one calls me back. Please help me sort this out, as I am unable to get answers on my own. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-06 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: SUNTRUST BANKS, INC.
State: VA

Complaint narrative:
This is a complaint about Suntrust. My car was totaled, other party was 100 % negligent, other party 's insurer, XXXX, paid fair market value and my insurer, XXXX, paid the difference to pay off car loan entirely. 
During this time, I received daily harassing phone calls, often before XXXX ET, from Suntrust 's collections department. Each and every time I assured them that the car was totalled and the entire payoff amount was already issued by XXXX and XXXX and provided account numbers supplied by those insurers. Suntrust demanded that I pay my monthly payment directly to them, offering to refund the difference when they processed those checks, and threatening to damage my credit if I did not pay immediately over the phone. On the last such call, Suntrust verified that they received payment and said the account was paid in full. Today I see that my credit report now shows a Delinquency for {$0.00}. I find this to be insulting and abusive treatment.

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 2017-03-31 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: Credit Karma, LLC
State: CT

Complaint narrative:
I am in bankruptcy since XX/XX/2015. I have been utilizing credit karma to monitor my credit and score since then. With this week 's credit karma update my scores ( XXXX and XXXX ) were finally high enough to pursue a business opportunity. The company I was working with pulled my credit and much to my dismay one of my scores ( XXXX ) was no where near what credit karma had reported, with different negative information being reported. Also as part of being in bankruptcy we should be offered all bankruptcy protections including the automatic stay which prevents negative credit information from being reported from the time of bankruptcy filing, i.e. XX/XX/2015. Credit karma has one creditor on my report in the collection accounts portion of the report, and also listed as included in bankruptcy, which is double hitting my credit score as well. One for being in collections and another time for being in bankruptcy.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-04 00:00:00
Product: Credit card — 
Issue: Payoff process — 
Company: ZWICKER & ASSOCIATES
State: NY

Complaint narrative:
I would like to re-address this complain because the law firm Zwicker and associates has tried the same con again this year after we discussed in details a year ago regarding my monthly payment for XXXX XXXX as according the settlement. When this was first address when they did not want to honor the settlement, then they said they would and tried create a situation where I defaulted on my payments intentionally which is false from the time of the settlement I honor the agreement and made all payments. I received a default letter from the XXXX Court of the XXXX on Friday XXXX XXXX, 2017 advising I would be in default if a payment was not received in 10 days. This was first and only contact I received from zwicker and associates regarding my payment. I never received a letter stating I need to setup a new payment schedule prior to the letter from the court. I was advised their system can not setup payment for over 12 month no explains was given is this my fault? I wanted to setup monthly payment for the remaining settlement because zwicker and associates have tried in the past to change the rules and the settlement in attempt to used scare tactic against me. This default letter is prime example of the tactic they use to not honor the settlement from the courts. I contact them on XXXX/XXXX/2017 explaining the situation and they did not want to address it, however I agree to setup new payments. When speaking to several of their representative they all did not see the settlement amount XXXX in their system and was not sure why and was also confused. They only see the original amount of the debit from XXXX. The amount owes as of date from the settlement is XXXX XXXX. On XXXX/XXXX/2017 I paid a payment over the phone electronically for XXXX XXXX confirmation number is XXXX, and setup payments for XXXX for the next 11 months which would finalized the settlement amount. However the representative told me to contact zwicker and associates to check on this because they do not see the settlement amount it the system, but they have statement previously they would honor. I do not trust this company and they have many complaint filed against, and have lied and misinformation me on several occasions not sure why they are able to continue to operation as a legitimate organization. I am contact XXXX and filing a complaint with BBB and contact XXXX for misrepresentation and other issues on this matter. I tried my best to work with Zwicker and associates in a professional manner and I feel I have not received the same treatment something needs to be done to protect other from this kind of treatment. I am also consulting with New York lawyer to see what or in any thing be done to protect me and family from them I fear there will try and damage my family going forward.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-28 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: First Collections Inc
State: PA

Complaint narrative:
I dont know where this debt came from at all.I need this off my credit

Company response to consumer: Untimely response