vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-11-12 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: M&T BANK CORPORATION
State: GA

Complaint narrative:
I have my house up for sale where I was supposed to close on XX/XX/2019 and the payoff for M & T Bank was {$74000.00} for mortgage loan XXXX. I had to reschedule to close on XX/XX/2019 where the payoff for M & T Bank is now {$76000.00} which is a {$1500.00} INCREASE in a six ( 6 ) day period. There should not be this amount due to that the XX/XX/2019 payoff included interest up to XX/XX/2019. I feel and know that I am being " OVERCHARGED '' on this mortgage loan before Closing and this is 'not ' the first time M & T Bank has overcharged my mortgage loan account. I need the payoff amount corrected which should be close to XXXX XXXX dollars more and not the XXXX XXXX XXXX XXXX XXXX dollars and XXXX cents. 
PLEASE HELP

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 2019-11-12 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Servis One, Inc., Titusville, PA Branch
State: FL

Complaint narrative:
BSI FINANCIAL SERVICES , INC - Awaiting response to " Conditional Acceptance '', XXXX XXXX XXXX, XXXX - No response from the alleged Owner/Assignee, SERVIS ONE, INC - No response from this Servicer ( Mail returned to sender ), XXXX XXXX XXXX XXXX, XXXX - No response ( Mail returned to sender ), XXXX XXXX XXXX XXXX ( Trustee ) - No response ( Mail returned to sender ). -- Within the last 7 months according to " Administrative Procedures '', I have sent several correspondence to the above entities and all except one has responded to my attempt to obtain information concerning the alleged debt. It is my position to remain in honor at all times. However, due to the excessive complaints of mortgage fraud, and the Supreme Courts decisions to overturn foreclosures due to fraud, I took it upon myself to assure that the loan in which I am the holder of the note is in good standing. All payments are being directed to a personal savings account until lawful ownership of the note can be determined and a copy of the proper documents submitted. 
According to the " Securitization Audit '' I received on XX/XX/2018 it has been indicated that the Assignments, transfers and signatures may be fraudulent. I have tried multiple times through Registered Mail to obtain information concerning the Note. However, I have not been successful. All addresses associated with the entities listed above where obtained from ( www.sec.gov ) and none appears to be in compliance with the regulated requirements or not in existence. 
There has been ample time given for all entities to respond to all questions listed in the affidavits and all have failed to provide the requested information and by " Tacit Acquiescence '' they have all agreed to the ESTOPPEL of all attempts and fraudulent activities concerning the alleged debt. According to the MAXIMS of Commerce " An unrebutted affidavit becomes a judgment in commerce. See Heb. 6:16-17. Any proceeding in court, tribunal, or arbitration forum consists of a contest, or duel, of commercial affidavits wherein the points remaining unrebutted in the end stand as the truth and the matters to which the judgment of the law is applied ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-12 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Opportunity Financial, LLC
State: MI

Complaint narrative:
Took out loan for XXXX in XX/XX/2018. Has taken XXXX per week out of my bank account and balance shows that I owe XXXX. Even with interest I have well overpaid this loan

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: NC

Complaint narrative:
Please help, as this is 6 of the 10 years of payments towards PSLF. 

I consolidated my federal student loans in summer of XXXX and was originally with XXXX XXXX using Income base repayment. My loan payments then switched to XXXX with IBR and now my loans are with FedLoan Servicing with IBR as of XXXX. I am trying to get a correct count on the payments that are eligible towards the Public Service Loan Forgiveness. 

I have submitted paperwork for the time I was employed from XX/XX/XXXX-XX/XX/XXXX, all of which are eligible for PSLF. However, FedLoans is not  counting any of the prior payments under XXXX or XXXX XXXX. I need help in having FedLoans acknowledge my prior payments as PSLF eligible. 

I have records of my payments with XXXX. However, I did not print out hardcopies or save files of my payments from XXXX and now I can no longer access their website. 

Thank you in advance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: SUNTRUST BANKS, INC.
State: FL

Complaint narrative:
I bank with the predatory bank SunTrust. I used company option to refuse transactions if funds aren't available as well as the option for turning off card if funds are low or unavailable but I am being charged excessive fees because they allow transactions to process with the deliberate intention of charging fees. 

I have been charged thousands of dollars a year by a process that is correctable but they choose not to because it surely generates billions in revenues foro their organization. 

I want my money back without any excuses. When then account reaches a negative balance that they feel is beyond what they are willing to lose they then become capable of stopping the transactions when funds ar not available. So it is possible to accomplish. The institution just chooses not to do it until it's a potential problem for them. 

I have challenged them by calling to their attention that I opted to not allow approval of transactions when funds are not available and that my card was turned off when transactions were processed. Both options were not adequate to prevent transactions and prevent the accrual of those enormous fees. I want those funds refunded to my account retroactively. 

Thank you, 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 monetary relief
Consumer complaint received 2019-11-12 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: AZ

Complaint narrative:
the company National Credit system is trying to add more money onto a debt for 3 times the amount that was passed judgement in court. 

the debt was taken into judgement by the court on or about the end of XXXX final judgement in court was to pay of the amount of {$1200.00} which is the rent due for one months rent. The collection company had tripled the amount due to $ {$3500.00}. request for detailed debt verification has failed and none has been provided. this amount is not what was passed judgement in court. the company has then put this amount on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
credit beau row is reporting numerous collection accounts that are not my accounts asked for written validation and have never received it this is for collection and revolving accounts 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 2019-11-12 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Can't close your account
Company: SYNCHRONY FINANCIAL
State: WA

Complaint narrative:
To the best of my knowledge, the account has been closed with a {$0.00} balance, but now I have received a letter indicated I owe them for {$1000.00} for some reason.

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 2019-11-12 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ALLY FINANCIAL INC.
State: AZ

Complaint narrative:
the company Ally financial repossessed my car. They gave me a set number of days to pay of the overdue balance and get my car back. the total amount due was approx {$1200.00}. 
i paid them {$750.00} and was to pay off the balance with them after they confirmed that i should pay the balance off the upcoming friday. they confirmed the vehicles location and that i could go get it then. they confirmed the car was at the tow yard. 

on the repayment day, Ally through their towing company had already SOLD my car even when they asked me for the {$750.00} payment. the car had been sold few days into the repossession by the towing company at about 1/3 the fair market value rate. 

ally is now demanding {$5600.00} even after all my deposit and monthly payments i had made for 2 and half years on the car. the loan total was {$11000.00}. the {$750.00} payment that i made they did not even include it in the final tally. they lied that the car was at the tow yard when in fact they had already sold the car for a throwaway price. 

they sold my XXXX  XXXX XXXX XXXX  for 1/4 -1/3 the current fair market value at time of repossession. 

these people stole my payment and used the tow company to sell the car cheap quickly to a friend for a low price then still demand XXXX $ from me and take me and my cosigner to collections. they are criminals why accept a payment after they had already sold the car and lie to me that the car was at the tow yard. they have then come up with this figure and reported it to my credit.

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 2019-11-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: WA

Complaint narrative:
Could you please advise me what is " Fraud Charge Off '' ( see attached )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX, EQUIFAX AND XXXX  HAVE ACCOUNTS ON MY CREDIT REPORT THAT ARE NOT MINE/INACCURATE. 

Addresses : XXXX XXXX  XXXX, XXXX, FL XXXX XXXX XXXX XXXX , XXXX, FL XXXX Accounts : XXXX XXXX XXXX XXXXNOT MINE XXXX XXXX XXXXNOT MINE XXXX XXXX XXXX XXXX XXXXNOT MINE XXXX XXXX XXXX XXXX XXXXNOT MINE XXXX/XXXX  XXXXNOT MINE XXXX/XXXX  XXXXNOT MINE XXXX XXXX  XXXX XXXX XXXXNOT MINE XXXX, XXXX XXXX XXXX XXXXNOT MINE XXXX XXXX   XXXX/XXXX  XXXXNOT MINE XXXX XXXX XXXX XXXXNOT MINE XXXX XXXX   XXXX/XXXX  XXXXNOT MINE XXXX XXXX XXXX XXXXNOT MINE XXXX XXXX XXXX XXXXNOT MINE XXXX XXXX XXXX XXXXNOT MINE Identity theft/fraud : XXXX XXXX XXXX | XXXXFRAUD/IDENTITY THEFT Inquires : XXXX XXXX XXXX XXXX NOT MINE XXXX  XXXX XXXX  XXXX XXXX XXXX  NOT MINE XXXX XXXX XXXXNOT MINE XXXX  XXXX  XXXXOT MINE

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX, XXXX  AND TRANSUNION HAVE ACCOUNTS ON MY CREDIT REPORT THAT ARE NOT MINE/INACCURATE. 

Addresses : XXXX XXXX  XXXX, XXXX, FL XXXX XXXX XXXX XXXX , XXXX, FL XXXX Accounts : XXXX  XXXX  XXXX  XXXXNOT MINE XXXX XXXX XXXXNOT MINE XXXX XXXX XXXX XXXX XXXXNOT MINE XXXX XXXX XXXX XXXX XXXXNOT MINE XXXX/XXXX  XXXXNOT MINE XXXX/XXXX  XXXXNOT MINE XXXX XXXX XXXX XXXX XXXXNOT MINE XXXX, XXXX XXXX XXXX XXXXNOT MINE XXXX XXXX XXXX/XXXX XXXXNOT MINE XXXX XXXX XXXX/XXXX XXXXNOT MINE XXXX XXXX XXXX/XXXX  XXXXNOT MINE XXXX XXXX XXXX XXXXNOT MINE XXXX XXXX XXXX XXXXNOT MINE XXXX XXXX XXXX XXXXNOT MINE Identity theft/fraud : XXXX XXXX XXXX | XXXXFRAUD/IDENTITY THEFT Inquires : XXXX XXXX XXXX XXXX NOT MINE XXXX  XXXX XXXX  XXXX XXXX XXXX  NOT MINE XXXX  XXXX  XXXXNOT MINE XXXX   XXXX  XXXXNOT 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 2019-11-12 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ability Recovery Services, LLC
State: FL

Complaint narrative:
ABILITY RECOVERY SERVICE HAS A ACCOUNT ON MY CREDIT THATS NOT MINE/INACCURATE.

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 2019-11-12 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: GUARANTEED RATE INC.
State: NJ

Complaint narrative:
This is in follow up of the complaint I filed with CFPB XXXX-XXXX. The HUD office in XXXX advised me to report to you for action. HUD is also investigating. This is about my XXXX whole house renovation started in XX/XX/2018. I have been paying interest on renovation-loan amount which I have no rights since bank ( Guaranteed Rate Inc ) repeatedly said it is their money and they pay directly to contractors. HUD says that is not true. Bank overpaid two contractors without my knowledge and signature. I have proof to submit. The first two contractors violated the contracts and delayed the project for over one year which could have been finished in 12 weeks. Now it is 18 months and I have been paying interest to the bank for all the money which they combined my old mortgage and loan together. The bank was sticking with the original contract I signed with the first contractor who was fraud and failed city inspections and building codes, was always threatening for more money. Bank overpaid him. Second contractor ( recommended by bank ) also failed city inspections and bank was secretly communicating with contractors and offering them money from the contingency funds. Third contractor noticed several shoddy works and alerted the bank and HUD consultant with pictures and testimony. But bank overpaid second contractor also. The contract I signed with the second contractor and third contractor were with in the left over money and there was no need of contingency funds. But Bank reported to me that some money from contingency was given away. I lost a huge amount of money out of my pocket. I have been asking the bank last 6 months to give me a statement of checks they delivered to fraudulent contractors but they never did. Two weeks ago they replied to my repeated emails and sent partial copies and said they are working on it. 
I spoke to HUD and they told me to reach out to you and reopen the case. This is my primary home of my family. My wife and XXXX kids have been going through this torture for a long time paying mortgage for a house we couldn't live and paying interest for a loan we have no rights or control.The third contractor almost finished the job within the budget and got the occupancy certificate last month. But the loan is not closed yet and I am paying interest for a combined amount of $ XXXX last 18 months. I can provide the email copies and other documents reviewed by county and state consumers calling out this as illegal and consumer harassment. 
Thanking you Sincerely XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-12 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AmeriCollect
State: FL

Complaint narrative:
AMERICOLLECT INC HAS A ACCOUNT ON MY CREDIT THATS NOT MINE/INACCURATE.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-12 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL

Complaint narrative:
ARS ACCOUNT RES HAS A ACCOUNT ON MY CREDIT THATS NOT MINE/INACCURATE.

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 2019-11-12 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Ad Astra Recovery Services Inc
State: AZ

Complaint narrative:
amount is wrong and the company insists it is not.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-12 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capio Partners, LLC
State: FL

Complaint narrative:
ASSETCARELLS/CAPIOPARTNE HAS A ACCOUNT ON MY CREDIT THATS NOT MINE/INACCURATE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: HUNTINGTON NATIONAL BANK, THE
State: PA

Complaint narrative:
Huntington bank has not released a paid off lien on my house from 2009. The verification of mortgage satisfaction was never filed at XXXX count records. This is preventing me from refinancing my current loan from XXXX XXXX  to XXXX XXXX. I need your help to get Huntington to create a Mortgage lien release and file it with XXXX County in XXXX PA. I have emailed and faxed Huntington and all they say is " Paid Real Estate has received your request, our service level is 15 business days. A Title search will need to be supplied, the customers name, account number if known, and address for release. If the loan is an old merger/acquisition loan you MUST provide proof of payoff before the release can be prepared. Requests are completed in the order received ; if you don't receive a response to your inquiry within 15 business days please send a follow up email marked " Urgent ''. Only send the Urgent email after the 15 business days have been exceeded ''. 

This is what I sent them : Hi can you please send me a Leon release letter for my hose loan that was paid off 7 years ago? 

Im trying to refinance and my verification of mortgage satisfaction was never filed at XXXX count records.Please send me this verification and file the release with XXXX county. Please call me if you have any questions. Please do this today so I can close on my house. 

I suspect they are short staffed, improperly trained or inadequate automation. Please help me. Thank you XXXX XXXX XXXX XXXX XXXX, XXXX PA. XXXX. Cell XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-12 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: FL

Complaint narrative:
I C SYSTEMS INC HAS A ACCOUNT ON MY CREDIT THATS NOT MINE/INACCURATE.

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 2019-11-12 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capio Partners, LLC
State: FL

Complaint narrative:
XXXX XXXX XXXX  HAS A ACCOUNT ON MY CREDIT THATS NOT MINE/INACCURATE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-12 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phoenix Financial Services LLC
State: FL

Complaint narrative:
PHOENIX FINANICAL SERVIC HAS A ACCOUNT ON MY CREDIT THATS NOT MINE/INACCURATE.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on XX/XX/2019 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-12 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: XOOM CORPORATION
State: TX

Complaint narrative:
I used XOOM, a money transfer service that is a division of XXXX. When I transferred some money to a family I was trying to help in XXXX they said the transaction was fine, and gave me a transaction number : XXXX. Then when the poor family went to collect to try and buy some groceries Xoom cancelled the transfer. When I e-mailed them they did not respond to it other than a generic robot reply. When I called them they blamed the bank in XXXX without giving any reason and they said they would send me an e-mail with a full explanation. They never sent an explanation. 

P.S. 
CFPB expects the " other person 's '' info as a " required field '' but does not take into consideration that the " other person '' in cases of international money transfers live in other countries. Please fix those data fields.

Company response to consumer: Closed with explanation