vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-02-05 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Shellpoint Partners, LLC
State: TX

Complaint narrative:
During housing crisis XXXX purchased my mortgage from XXXX since I had never missed a payment since purchasing it in XXXX. Once I was ONE day late & XXXX notched my credit. In XXXX XXXX I unexpectedly retired & went to XXXX to help my daughter XXXX ( XXXX ). I got into credit card trouble & declared bankruptcy in XXXX XXXX. The attorney told me to stop paying XXXX since house was a rental & see what courts did. ( Bad advice ) XXXX transferred note to their bad debt subsidiary Shellpoint. When court allowed me to keep house, I immediately caught up all payments and fees. Since I live on social security income, I applied for Loan Modification. Denied. They said I had too much equity in the house because they said appraisal was {$110000.00}. I owe $ XXXX. Having done real estate, I researched XXXX and made a list of listings and sold and sent it in. They said they did n't get it. I sent it again ( see 2 attachments ). Denied because they held to their fraudulent appraisal. This was an appraisal by DRIVE BY ( against all standards ). Never made any effort to contact me or tenants and impossible for them to enter rear yard due to dog. This appraiser probably sat a computer and read the average price of home at that time in this neighborhood, which ironically, was {$110000.00}. But never checked square footage or comparable. Mine is a XXXX XXXX bath home of XXXX sq ft. On attachments, you can see the comparable square footages. However, there is a {$120.00} other fee showing on Shellpoint website. The first rep said not to worry about it, unimportant. Later, a second rep said she did n't know what it was for. The other day a third rep told me it was for the DRIVE BY APPRAISAL. I 'm now planning to sell the house ( in large part to be done with XXXX forever! ), but I know they will charge me for that unethical, fraudulent appraisal. They would n't give me name of firm, although I wanted to file a complaint with the XXXX XXXX ( appraisers ). The sum experience is that I believe there is collusion between appraiser and Shellpoint. That they want to foreclose and get rid of this loan because the equity is there. They wo n't lose money. They defeat the purpose of the Loan Mod Program. It 's not to assist people like me. They made it so difficult to apply. Twice I had to send in the application, then twice send the comparable sales. My request of you is to have Shellpoint drop the {$120.00}. fee for the " appraisal. ''

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-25 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: TN

Complaint narrative:
We have been struggling financially for over a year now. Due to circumstances, we were not able to refinance our loan as we had planned. We did attempt to obtain a loan modification. For over 4 months I dealt with mortgage company providing them, over and over again, with documentation they requested. Finally, they said they had all documents they needed and I needed to complete a trial to be eligible for the modification. They said I needed to make special payments for 3 months, which I did, on time, even a month early. They said for me not to pay anything else until XXXX XXXX. After those three months were completed, they mailed me a modification letter that I had only a couple of days to read, understand, sign and return. They modification would help a little, but it would n't have helped us in the long run. Meanwhile we were able to repair the home well enough to finally be able to refinance our home with an FHA loan. We decided that we should refinance instead. We completed all we needed to refinance the house, but when the loan officer requested our payment history from the current mortgage company, it showed we were 3 months behind in our payments, which I knew nothing of. It took two phone calls for me to find out what was happening and I ask them to fix the situation so I could refinance, but they refused. They claimed the payments I had made for the trial were just to catch up what was behind XXXX they payments were larger than my usual monthly payments ) and I still owed for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I paid those three past due payments in XX/XX/XXXX, however XX/XX/XXXX and XX/XX/XXXX still appear over 30 days late on my payment history and because of that NO ONE will consider refinancing our loan for another 12 months. I had no idea our payments were so far behind. I was simply doing as I was instructed my the loan company regarding the modification, which I thought would help us and the company managed to drag this situation out for months. Now we are stuck. We can not accept the loan modification, we can not refinance, we can not afford to pay the 8.9 fixed interest rate and fees on our loan. We have a nice home with excellent equity and need to refinance to pay our debts and lower our rates. All we need is our payment history modified so that we can obtain the loan. I feel like the loan modification process was not handled well, as they constantly " lost '' documents I had sent in, and was not explained well at all. I find it very unreasonable that this situation prevents us from refinancing our home.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-01 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC.
State: IL

Complaint narrative:
To begin my story, I decided to attend XXXX School specifically XXXX XXXX XXXX XXXX XXXX in XXXX, Texas. At the time, I had just gone through a bankruptcy so I had to take out a private student loan which had a high interest rate to pay for college. Everything was ok at the beginning, I started to attend class and was doing very well. As I was attending class I was put on a payment plan by the XXXX XXXX, things were ok for a while but as school started to get more demanding I could not work as much and my payment plan with the school started to suffer. Because, I could not keep up with my payment plan, I was told by the administrative staff at the Culinary Academy that I was going to be withdrawn from the school for non-payment. The most disappointing aspect of all this was that I was XXXX semesters from graduating!! So, after a long battle with the school, I start my XXXX career, which needless to say was extremely hard. There was never enough money to pay off the private and/or federal student loans, so I had to keep putting my loans in a deferred status, I think at one point I started with a XXXX to XXXX XXXX dollar loan and it just ballooned over time to XXXX XXXX dollarrs because I could never pay it back. I went along like this for years, until I ran out of time, I could no longer defer my payments. Since XXXX or XXXX I have been struggling to pay my student loans. At one point, I was so destitute I could not pay the loans and my credit was ruined by the loan provider ( XXXX XXXX XXXX I finally reached out to them and they got my loans back on track so I would not default, however it was too late my credit had already been damaged. Since then, I have tried to keep up but the payments for my private loan and federal loan add up to about roughly {$800.00} a month ... I just ca n't pay that anymore!! As of XXXX I reached out to XXXX which is now Navient and tried to work out a interest rate reduction and or payment amount reduction with Navient but they have yet to agree some relief!. They advised that me and my co-signer had to perform a financial analysis, which we did, only to be told that I did not qualify!! Which I do n't believe. As it stands right, I have a outstanding loan of about {$69000.00} dollars and {$40000.00} of that are part of the private loan and the private loan payment is {$600.00} a month at almost 14 % interest. At this rate I will not pay off my loan until XXXX, maybe even later ... I can not sustain this type of payment, I am going crazy!! it is really affecting my life. I am not sure what your organization can do to help, but any help would be much appreciated. The guess the most hurtful thing about all of this is that I did not get to graduate from college, I did not get a degree but I am still paying XXXX dollars to an organization ( Navient, formerly know as XXXX ) and having nothing to show for it. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-23 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
Paid account in full - XXXX XXXX. XXXX reporting bogus balance. Consumer disputed the information with Equifax and received back the results on XXXX/XXXX/2016 that account was verified as paid in full. 
On XXXX XXXX, 2016, XXXX reported a bogus {$500.00} balance to Equifax. Consumer disputed this balance and remembered that Equifax had did an investigation back in XXXX XXXX, 2016, and found this account to be paid in full. I called Equifax and requested an immediate deletion, but both the phone rep and XXXX supervisors stated that XXXX has a right to place a bogus balance and that I would have to wait 30 days for verification, even though Equifax had already verified that the account was paid in full. This is totally illegal.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-12 00:00:00
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I am excercising Power of Attorney over joint assets, because JP Morgan has engaged in the elder abuse of XXXX XXXX and XXXX XXXX. When XXXX XXXX and XXXX XXXX attempted to use their money from account XXXX, a joint account with my name on it, they were denied access to their money. They could not access funds to pay an exterminator for maintenance services of real estate property. There is a specific company set up to manage real estate property and assets, XXXX XXXX My company, XXXX XXXX is helping with the real estate law management of this situation. JP Morgan has repeatedly spat in my face and abused elderly people in my family. They have repeatedly committed acts of fraud and taken over {$200000.00} in cash assets and real estate assets from me. They have also given XXXX XXXX, and other questionable individuals access to money from my bank accounts when they did not have any legal right to. I would say that the people running JP Morgan have some severe mental issues. If I am given a difficult time while exercising power of attorney over joint assets, I am going to have my elder law attorney file papers in surrogate court. JP Morgan is under investigation by XXXX for participating in this type of abuse. I already have been to the correct court and I have obtained a judge 's order against certain abusive third parties. If the XXXX continues, I am going to begin to file motions against JP Morgan.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-06 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Received marketing offer after opted out
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
In violation of FCRA, the above mentioned credit report by Equifax , a section of " Inquiries that are not considered when evaluating your credit worthiness '' contains name of the following companies, to which Equifax disclosed and is disclosing personal and credit history, WITHOUT authorisation OR prompt despite OPT-OUT : Company Information : XXXX XXXX XXXX XXXX XXXX, XXXX. 
XXXX Information : XXXX XXXX XXXX : XXXX XXXX Information : EQUIFAX INFO XXXXCompany Information : XXXX, XXXX Information : XXXX Information : EQUIFAX INFO XXXX Information : XXXX Information : XXXX should EXPLAIN & PROVE the authorisation it has to collect personal and personally identifiable information and authorisation to distribute the same via PUBLIC platform/for COMMERCIAL purposes.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-02 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Threatened to take legal action
Company: Financial Credit Service, Inc.
State: GA

Complaint narrative:
At XXXX XXXX eastern time this morning I received a call from a number I did not know. Upon answering the phone, a lady who identified herself as XXXX XXXX from ARA ( Asset Recovery Associates ) proceeded to tell me that I owed $ XXXX to XXXX and that she had received this claim in her office today. She stated that her office is in the process of filing a judgement against me for the amount they claim I owe. She informed me she was calling on a recorded line. When I told her : 1. I do not owe the money, and 2. Even if I did, it is time-barred. When I started writing down her information, she stated that her company offered me a settlement of $ XXXX and that I did not respond and now I am responsible for the entire $ XXXX. She was very aggressive and argumentative. 

When I asked if she would call back so I could also record the call, she said no. In the end of the conversation, she refused to give me the company address. I told her not to contact me again. She kept talking over me and said that if I paid my debts on time, they would n't have to call me. I told her that they can not contact me again once I have instructed them not to do so and if they do, it is a $ XXXX fine per call. She just kept talking over me. 

I told her to file the judgement against me and I will see her in court. At that point, she said I would n't be seeing her. I said I would see someone as what they are doing is illegal! She then hung up on me. 

A few minutes later ( at XXXX ), I phoned the company and asked for the lady. She came on the line and I told her that I was recording the call. She started shouting that it is illegal for me to record her without her permission ( it is not, I am in GA which is a XXXX party consent state ). I kept asking for their address - she just kept yelling that I did not have her permission to record her. I told her that I can record because I am in a XXXX party consent state. She would not give the company address and hung up on me again. 

This all stems from an alleged debt incurred more than 15 years ago!!!!!! This debt has been sold numerous times and I go through this frustration every single time.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-27 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Wrong address I only lived at XXXX. 
XXXX, NY XXXX And XXXX NY, XXXX All others are wrong never lived there or incorrect address That do n't exist. One address is where my ex wife lived not me.

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 2016-07-07 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
On XXXX XXXX, 2016 I attempted to request my free credit report for Equifax from the online web site XXXX. When I submitted the request, the web site directed me to the " Annual Credit Report Request Form '' and instructed me to complete and submit the form. I did so on the same day and mailed it to the address indicated. That form stated it would be processed within 15 days. Since I never heard anything, on XXXX XXXX, 2016 I submitted the request via the telephone. Again, I have received no response. I would have gladly called to follow up but there does not appear to be a customer service phone number which allows you to actually talk to a human being or even leave a message. Since no one will respond, I am at a loss as to what to do next. Please advise. Thank you for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-05 00:00:00
Product: Bank account or service — (CD) Certificate of deposit
Issue: Deposits and withdrawals — 
Company: TRUSTMARK CORPORATION
State: LA

Complaint narrative:
Our complaint is about Trustmark Bank, XXXX XXXX Our parents created a living trust several years ago ; our mother passed away 4 1/2 years ago, then our father suffered a XXXX approximately 1 year ago and passed away a couple of weeks ago. The provisions of the trust allowed my brother and me to make all financial decisions ( power of attorney while he lived, co-trustees after his death ). Trustmark Bank has refused us access to the money which he had saved over many years, specifically saved to take care of him. They said " we do not accept '' trust documents. Documents which were notarized and filed with the court. 
We are fortunate that we had other financial resources and were able to care for him until his death. We went to the Trustmark branch in XXXX, XXXX after his XXXX approximately one year ago and received nothing but contempt, even though the terms of the trust allowed us to make decisions upon his incapacity. They acted like we were trying to steal his money -- highly insulting. We decided not to sue them since the amount of money was not significant. After his death my brother and I went to the same branch and received the same -- give us the trust documents ( which we have now submitted 4 times ). The lady refused to look at the trust documents, saying she had to get a ruling from " Legal ''. Note that the bank accepted his deposits under the terms of the trust, which were submitted at the time of account opening. 
When asked for a time frame, she said it might be several days or several weeks. Although we were fortunate to have financial resources to care for our father, now deceased, we are concerned about others who may not. We recommend a full investigation of all trust accounts accepted by Trustmark over the past 20 years. This is not an isolated incident ; I discussed our estate settlement with a friend who also said that Trustmark was the largest obstacle to settling his family 's estate.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-11 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Universal Recovery Corporation
State: CA

Complaint narrative:
This company is collecting on a debt for an insurance company, who was continually charging for a policy that was canceled due to the XXXX required the Dealership to take back the vehicle as it was sold in with a salvaged tittle. 

The agency also has a second account from an insurance company, who has sent me to collections with no notice from them about this debt in over 2 years .... That collections agency is also charging additional fees

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-26 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: NE

Complaint narrative:
Equifax has my information combined with a family member of mine. I contacted them and spoke with their Mixed Department. I was told to send a copy of my drivers license and social security card. I did. 4 weeks later I contacted them to get the status of my issue. They told me it was too dark for them to read. I then lightened and enlarged and resubmitted. I was told to check back in 4-6 weeks. At 4 weeks they said they had not received it. At 6 weeks I was told the same. I asked for a mailing address instead of a fax number. I mailed them a copy of my drivers license, social security card, and an Experian credit report to show what my credit should look like. At 4 & 6 weeks they told me they never received it. I keep getting the run around and each time I call have to send them sensitive information to the address and/or fax they give me, but they " have n't receive it ''. They have also told me that I can not have a case opened until they receive the information, so after all of the info I have sent them, they have literally not even started the investigation. I have also been told that there is no way for me to escalate the situation because they do not have the information that I have sent them. Short of driving to XXXX and walking into their office to show them that I am a real person, I do n't know what more I could do. I am at the end of my rope with Equifax and if there is anything that can be done to assist me in correcting their mistake, it would be most appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-29 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
On XXXX/XXXX/2016 ( see attached ) I paid the remaining balance of XXXX Capital One Bank credit cards and closed XXXX accounts using the telephone method. The amounts paid were {$1500.00} and {$1200.00} ( see attached ) and I received an email confirmation of these transactions. On XXXX/XXXX/2016, charges/fees appeared on each account ; XXXX for {$25.00} and {$22.00} ( see attached ). Since I requested payoff amounts on each account, there was no need to charge me interest 24 hours following closure of the accounts.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-08-13 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Allied International Credit Corp., (US)
State: AZ

Complaint narrative:
Continued calls daily to my phone number all hours of the day and night, weekends as well. I do not know the person trying to be reached. I have left messages for AIC to stop calling me, but they continue to do so. PLEASE do something to get them to stop!! Its weird they do n't get the messages or idea that the person does n't live here!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-06 00:00:00
Product: Debt collection — Medical
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Bull City Financial Solutions, Inc
State: NC

Complaint narrative:
I have an Hospital bill through XXXX that I have been paying {$20.00} per month since XX/XX/XXXX. Bull City Financial Solutions call my parents house harassing them for me to call them, when payments have been submitted to the collection agency each month. In addition, to that Bull City Financial solutions was placed unto my credit report, knowing it would harm my score. It s sad how collection agency are not reprimanded for its behavior. I respect only good customer service behavior.

Company response to consumer: Closed with explanation