vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-08-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: CA

Complaint narrative:
Specialized Loan Servicing determined on their on accord that my escrow account was under funded and are now suspending my mortgage payments and reporting to the credit agencies that I am not making my monthly payments. They did not provide any justification for the means of determining that my escrow account was underfunded. My tax payments and insurance payments continue to made out the escrow account as the balance remains positive. In early XX/XX/XXXX I was contacted by SLS and told that my payments were late and asking me to confirm when I would be making my mortgage payment. Upon logging into my account I determined that enough money remained in my escrow account to pay my taxes and insurance. My mortgage payment is setup as an automatic bill pay. I did not send an additional payment. I was contacted again at the end of XX/XX/XXXX by SLS to discuss the issue. I scheduled a meeting with a manager to get an explanation for the increase. The meeting was XXXX XXXX onXX/XX/XXXX. I did not receive a phone call from them. They continue to harass me on a regular basis. They claim they are collecting a debt, but refuse to explain the means for determining the funding requirements for my escrow account. SLS is currently the defendant in a class access law suit for trying to force people to buy their insurance. It is my opinion that they are a predatory lender trying to manufacture foreclosures.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-01 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Blakely-Witt and Associates, Inc.
State: TX

Complaint narrative:
Blakely and Witt Associates have reported inaccurate information to the credit bureau for the amount owed for a debt. They just provided hand written invoice with no receipts or proof of debt or the amount requested. The form had no account information shown. On the letter it shows they accelerated rent from XX/XX/XXXX- XX/XX/XXXX but the creditor then advised someone moved in under 2 months but actually the new tenant moved in less than 30 days of me moving out. I have not received a letter indicating my right to dispute the debt within 30 days of receiving a collection notice. They never tried contacting me prior to it being reported on my credit. Initially they reported on my credit report I owed XXXX which was also wrong and then adjusted to the XXXX. I only stayed at the apartment for just over a month. I had a security deposit of XXXX dollars. I owe XXXX  dollars. Outrageous fees have been added to the balance with no proof of the amount they are requesting. When I call them they don't answer. The representative XXXX is extremely rude and unprofessional.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-01 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: ENOVA INTERNATIONAL, INC.
State: TN

Complaint narrative:
Got and personal loan of {$600.00}. I paid them the first payment when due of {$30.00}. They took out another payment that next week without my knowledge and wouldn't refund me my money and cause insufficient funds when we had an an agreement that I would call and pay over the phone. Instead of sending me any Bill 's, I get a call from a someone saying they are trying to send me a court Subpoena without ever giving me an bill or notice of triple of the amount owed to them. I'm unemployed and just had a major surgery done  and now have to deal with threats of them trying to call and tell me they will take my used torn vehicle and say I now owe {$3000.00} vs {$600.00}. Cash Net usa is not the the place to get a help for a loan. They have hidden fees, they wont send any Bill 's of what's owed and hit you with collections triple your amount

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC.
State: GA

Complaint narrative:
I have bank with Ally for roughly 8 years between 4 different auto loans between joint with my wife or just myself. At least once a year I make a Lump Sum principal payment to reduce my overall due and reduce my monthly payment. 

I made one on XX/XX/XXXX which per company guideless is required to be equal to 4 months worth of payments ( XXXX x 4 = {$1100.00} XXXX I paid {$1200.00}. 

The company via 7 different call, numerous emails as messed it up this time around. I was paid ahead tillXX/XX/XXXX after myXX/XX/XXXX payment & before the Lump. 

They gave me the option to move my monthly forward to help. I agreed toXX/XX/XXXX without  issue. However, monthly has still not lowered they are asking me what it should be. 

When my loan went into play XX/XX/XXXX my payments were slated at {$310.00}, the first Lump was XX/XX/XXXXfor {$1300.00} which reduced me by {$22.00}. Not sure what the issue is this time around

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 2019-08-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
When Santander bought XXXX XXXX they called in two business loans which were always paid on time. This put a big strain on my business as I needed money at certain times to purchase seasonal products. When my business began to fail I approached Santander to procure a lower mortgage rate through the HARP program. They told me they held my mortgage and because of the economy and real estate values dropping, they would not consider a re-finance. The mortgage was always paid on time and there were also several additional payments made. My feeling is that since I kept the mortgage in good standing and they were getting 6.25 % interest, they didn't want to negotiate in good faith. The business suffered some disastrous problems and as a result I could no longer make the scheduled mortgage payments. Because of these problems my marriage fell apart and now I was short an income source and eventually had to claim bankruptcy and sign the house over to an agency who took over the mortgage. 
I feel Santanders greed to retain my high interest mortgage rate led to the subsequent problems that occurred and basically led to me loosing my home and the XXXX  XXXX dollars I had already paid in mortgage payments. 
Amazingly, when I was unable to maintain the scheduled payments, Santander was open to restructuring the mortgage.

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 2019-08-01 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
To Whom it may concern, On XX/XX/19 I received a collection notice from Credit Collection Services claiming I owe them {$670.00}. On XX/XX/19 I sent them a letter requesting certain documentation in reference to there claim. A right I have under the FCRA and an obligation that must be fulfilled in order for the collection agency to continue in there collection process. On XX/XX/19 They sent a copy of a final notice and that was it. This did not address many of my requested documentation. They did not send me any documents showing that I had signed and agreed to pay the alleged amount. They did not show how this amount came to be.They did not provide there info showing there a licensed debt collectors in both FL where I reside and MA where there offices are from. Nor there license number. On XX/XX/19 I wrote a letter in response to there incomplete response basically requesting that they complete submitting the requested documents that I requested or that they drop there claim. On XX/XX/19 they sent a collection letter pretending as if all was complete and they can just proceed with there collection attempt without regard to the FCRA. This as clear act of willful non compliance. I have attached documents supporting all my claims. If you need any info feel free to contact me.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
i got my credit report of all 3 credit bureau on XX/XX/2019from experian and I found many error in all 3 credit bureau which I would like you to help me solve. I already dispute this information and even send them proofs to the credit bureaus and they have not done anything to correct this information, which is affecting my credit history

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 2019-08-01 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: TX

Complaint narrative:
XXXX  ; XXXX and Transunion are incorrectly reporting me as an Authorized User on the XXXX partial account number XXXX. ( Please see pages 12 and 13 of the attached credit report. ) I called the bank and let them know that I did not give permission to be added as an Authorized User and I have contacted the bureaus to fix this however, I have not been successful. This negative reporting is harming my credit score and this line item needs to be removed from my credit 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 2019-08-01 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX ; Experian and XXXX are incorrectly reporting me as an Authorized User on the XXXX partial account number XXXX. ( Please see pages 12 and 13 of the attached credit report. ) I called the bank and let them know that I did not give permission to be added as an Authorized User. I have contacted the bureaus to fix this however, I have not been successful. This negative reporting is harming my credit score and this line item needs to be removed from my credit 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 2019-08-01 00:00:00
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Absolute Recovery Services, LLC
State: TN

Complaint narrative:
ABSOLUTE RECOVERY SENT ME A SUPPOSED TO BE LEASE AS A VALIDATION FROM XXXX XXXX XXXX BUT WHEN I LOOKED AT IT IT LOOKS LIKE MY SIGNATURE WAS FORGE AND I HAVE PROOF TO LET YOU ALL ANALYSIS IT AS WELL THIS NEED TO BE REMOVED FROM MY ACCOUNT IMMEDIATELY

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-01 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: SUNTRUST BANKS, INC.
State: GA

Complaint narrative:
A hard credit inquiry was performed on XX/XX/XXXX without my consent from a company called XXXX of XXXX, Texas. Their current phone number is 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 2019-08-01 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: TX

Complaint narrative:
XXXX ; XXXX and Transunion are incorrectly reporting me as an Authorized User on the XXXX partial account number XXXX. ( Please see pages 12 and 13 of the attached credit report. ) I called the bank and let them know that I did not give permission to be added as an Authorized User. I have contacted the bureaus to fix this however, I have not been successful. This negative reporting is harming my credit score and this line item needs to be removed from my credit 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 2019-08-01 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Experian and XXXX are incorrectly reporting me as an Authorized User on the XXXX XXXX XXXX XXXX partial account number XXXX. ( Please see page 23 of the attached credit report. ) I called the bank and let them know that I did not give permission to be added as an Authorized User. They removed me as an Authorized User on XXXX, however Experian and XXXX have not removed this from my credit report. I have contacted the bureaus to fix this however, I have not been successful. This negative reporting is harming my credit score and this line item needs to be removed from my credit 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 2019-08-01 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: TRANSWORLD SYSTEMS INC
State: NJ

Complaint narrative:
Didn't recieve enough information to verify debt : In XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/2019 I requested Transworld Systems INC to provide verification according the FCRA section 609 ( a ) ( 1 ) ( A ) - through the physical verification with an original signed consumer contract to which they have repeatedly responded with nothing more than a statement that shows a balance of {$1600.00}. Not what they are required by law to use to legally verify a debt.They continue to be in violation of section 611 non-compliance and have caused severe damage by contuing to report to the 3 credit  agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: REGIONS FINANCIAL CORPORATION
State: TN

Complaint narrative:
I have a student account with Regions Bank. I had visited the XXXX, FL area the first week of XX/XX/XXXX for a music festival. Somehow my debit card and pin number were stolen. I did not realize my debit card was gone until after returning to my home in XXXX, TN. There was very little money in my account as I was not working at the time as I was focusing on my high school graduation. Regions contacted me to collect on an overdrawn student checking account. Regions had accepted a counterfeit check, with a forged signature to be deposited and funds withdrawn between XX/XX/XXXX and XX/XX/XXXX. I do not know how my pin number was compromised or my card was stolen but I do know that I did not provide it to anyone. Regions did allow this counterfeit check with a forged signature to be deposited into my student account in the amount of {$4700.00}. Regions did provide a copy of the deposited check and it is not my signature. My account has never had this amount of money in this account. I do not understand why they would have accepted this counterfeit check, with or without a pin number. On XX/XX/XXXX Regions Bank said I allowed my pin number to be used which I did not know anything about. I knew nothing about these transaction taking place in XXXX, FL while residing in TN. The notification from Regions told me to go to the local branch for assistance but they indicated they could do nothing and suggested filing a police report which I did with the XXXX, TN police department to have the case reopened. I filed my police report and sent an appeal to the finding. the appeal was faxed on XX/XX/XXXX to XXXX. I have not received any notification regarding the appeal. Regions did takes funds from my grandparents ' account and my uncle 's account as my grandmother had to supply her social security on my account because I was a minor when it was established. They took over {$2200.00} form my grandparents account and over {$300.00} from my uncle 's account and they found out when attempting to use their accounts. 
I really need some help. Regions continues to call and attempt to collect over {$2000.00} dollars for a counterfeit check that should have never been allowed in my account. I start college in a couple of weeks and have no such funds available. My grandparents had to go borrow money. I really feel Regions should have caught this activity based on the fact this is a student account that has never seen this type of activity. While I understand the pin number was used, I did not know it was stolen and had no knowledge of this activity. If I had {$5000.00} in the bank and it had been withdrawn using the pin number, I would feel it may be my fault. When Regions allows a counterfeit check to be deposited, I feel they are responsible for that.

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 2019-08-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/19 I opened a corporate account with Bank of America. Attempted to set up to get eBills, not snail mail, statements & set up AutoPay as with all our other BofA credit card accounts. Although it gives the appearance that one can set it up - it was impossible. In the Help Center there is chat-but it never is available ; there is Secure Message, but you can't send any messages to BofA only receive them ; I called the phone numbers provided and onXX/XX/19 automated system put me on hold for over 3 hours ; on XX/XX/19-on hold for 2 hours17 min ; on XX/XX/19 on hold for 4 hours- with no one picking up ; on XX/XX/19-gave option of returning call " won't loose place in line will call you in 5-12 minutes - after 6 hours no one called ; on XXXX-will call you in12-18 minutes-after 4 hours no one called ; on XX/XX/19-6-14 minutes will call - after 5 hours no one called. Finally on XX/XX/19- got XXXX- transferred me 3 different times - 1hour 41 minutes later got another person WHO THEN SENT ME BACK TO THE FIRST DEPARTMENT WHO SAID I NEEDED TO SPEAK WITH THE DEPARTMENT THAT SENT BE BACK.

THIS IS UNACCEPTABLE. Later, I called again & after on hold for 38 minutes got XXXX  who told me I had to call another number thats not listed online or on statement. Called XXXX - spoke with XXXX, XXXX, XXXX, XXXX, XXXX, & finally XXXX. XXXX spoke with a supervisor who finally fixed a " glitch '' with setting up eBills that I was told needs to be set up before auto pay can be set up. That was on XXXX - She told me that it would take 48 hours and then I could set up auto pay. After 6 days, it still did not work. On XXXX, after waiting 30 minutes on hold, spoke with XXXX in Delaware who made notes and said he was transferring me to the department that is handling it. He then transferred me to XXXX  in the WRONG DEPARTMENT. Called back, spoke with XXXX who said would stay on line with me till the right department picked up, but she put me on hold and after 45 minutes she still did not come back.

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 2019-08-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: BB&T CORPORATION
State: UT

Complaint narrative:
MY ISSUE IS WITH REGIONAL ACCEPTANCE CORPORATION ( RAC ) BASED IN XXXX NC. THIS IS AN AUTO LOAN BUSINESS. I DONT HAVE ANY CONTRACT OR AGREEMENT WITH THIS COMPANY. I MADE A CAR PAYMENT FOR A FAMILY FIREND AND ( RAC ) KEPT MY DEBIT CARD INFO AND TOOK OUT MONEY AGAIN A FEW WEEKS LATER WITHOUT MY AUTHORIZATION OR KNOWLEDGE. I HAVE CALLED THEM SEVERAL TIMES AND THEIR CUSTOMER SERVICE HAS TOLD ME SORRY CANT DO NOTHING FOR YOU. 

DATE OF CHARGE XX/XX/2019 {$470.00} PLUS {$25.00} OVERDRAFT FEE FROM MY BANK AND NOW MY BANK ACCT IS ALMOST NEGATIVE XXXX THANKS TO ( RAC )

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