vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-10-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
My TARP/HAMP 1TD modified mortgage from XXXX ( XX/XX/XXXX ) was transferred to my currenter loan servicer SPS in late XX/XX/XXXX/early XX/XX/XXXX from a previous loan servicer XXXX when XXXX sold my loan. For a little over six years, I made principal and interest payments with all three loan servicers ( XXXX, XXXX, SPS ) of {$870.00} a month pursuant to the Loan Modification Agreement. Then in XX/XX/XXXX, and without notice, SPS stopped collecting the principal portion of my monthly mortgage payment ( via auto debit ) that was approximately {$350.00} a month. In XX/XX/XXXX, when SPS again failed to auto deduct the principal pay-down, I called them for an explanation. From XX/XX/XXXX through XX/XX/XXXX, I called every month for an explanation, and every time I called, I could NEVER get beyond the call-serving level of SPS to speak to a supervisor about why they stopped collecting the principal payment. The legions of call-service representatives with whom I spoke made a variety of guesses but could only confirm that they had been previously collecting a principal payment every month ( which at first they denied ) but were not anymore. Then in XX/XX/XXXX I received a notice from SPS that my fixed interest rate of 2.5 % was being adjusted to 3.75 % and would adjust every XX/XX/XXXX hereafter. My monthly calls to SPS increased significantly throughout XX/XX/XXXX and XX/XX/XXXX, but I could never speak with the same person about what was happening to my loan terms. In mid XX/XX/XXXX, I met with a branch manager of  XXXX who also called SPS on my behalf. XXXX and I believed the XX/XX/XXXX Modified Loan Agreement was fixed for 40 years at 2.5 % and, in effect, the original ARM was permanently modified ( as was my equity line with XXXX, which they still own and service pursuant to the TARP/HAMP mortgage rescue program ). Sometime in XX/XX/XXXX, SPS moved my incessant telephone questions into a category they called research, but only after I wrote a letter dated XX/XX/XXXX ( attached to this Complaint ). Once XXXX began representing me, SPS moved my inquiries into dispute. In late XX/XX/XXXX, after four or five calls from XXXX ( with me present and sometimes handed the phone ), SPS said the XX/XX/XXXX Loan Modification Agreement lacked two keywords : Fixed before 2.5 % interest rate, and permanent, which did not appear in the caption of the agreement or anywhere in the body language. XXXX and I believed the modification was fixed and amortized to a payment in full date in XX/XX/XXXX ( see paragraph 2 of the agreement ). In short, some phantom supervisor at SPS unilaterally decided that because TARP/HAMP ended in XX/XX/XXXX, I was now back in the terms of the original ARM ( dated XX/XX/XXXX ).

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: KEYCORP
State: CO

Complaint narrative:
3 checks were stolen from our mail box in XX/XX/XXXX then washed and cashed. 2 of 3 the checks were cashed by XXXX XXXX on XX/XX/XXXX.. The 3rd check I had a stop placed on it. The recipients names were changed to cash and the amounts were significantly altered ; # XXXX for {$240.00} to {$2200.00} and # XXXX {$290.00} to {$2200.00}. The payee 's called several weeks later complaining they had not received their checks. I called the bank to see if the had cleared and they had not. I rewrote them new checks and mailed them out ; thinking i must have accidentally thrown them into the trash. I received my statement on XX/XX/XXXX and found the checks had been altered and cashed. I immediately went to the XXXX Key Bank Branch where i explained the problem to XXXX XXXX, relationship manager. He helped me complete the Key Bank Fraud Affidavit. Then I proceeded to the XXXX County Sheriffs office and filed a Case #. Since then i have been unable to get any money refunded. Neither Key Bank nor XXXX XXXX Fraud Depts. will discuss this with me. XXXX XXXX says i 'm not their customer and Key Bank says the branch in XXXX should follow up on your behalf. The XXXX Branch says its out of their hands that it is a XXXX XXXX issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-10 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: CA

Complaint narrative:
XX/XX/XXXX, 2017, is when I last sent this company a letter disputing several incorrectly reported items on my credit report. including XXXX XXXX Acct # : XXXX which was removed from my report by XXXX. I am not asking this company to base the investigation on XXXX 's investigation results. I am just stating a fact, that an item being not verifiable to one bureau, should be the same with the other bureaus. I am requesting copies of documents used in the investigation by this company that Transunion is not able to obtain. I also request that Liens ref numbers : FEDERAL TAX LIEN Ref # XXXX, FEDERAL TAX LIEN Ref # XXXX and FEDERAL TAX LIEN Ref # XXXX. Verified with the courts last XX/XX/XXXX, that these liens have been withdrawn. No citation of my name, SSN or DOB. Please reinvestigate properly all the items I have disputed, from the inaccurate account opened date, highest balance, status, inaccurate payment history.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: U.S. BANK NATIONAL ASSOCIATION - SAN FRANCISCO MAIN BRANCH
State: CA

Complaint narrative:
It has been over two months since we have applied for a refinance loan, and were informed that our loan was pre-approved. Since then we have received several documents with incorrect interest rates. It was suggested by the bank that I open a checking account with them in order to receive the best interest rate of 3.875 %, even though I already have several saving accounts with Union bank. Once I opened the account, they told me they could not give me that rate promised because they had made a mistake. The representative continued to apologize for not being able to honor the rate but that they would find something comparable. I continued to receive more documents with an interest rate of 4.625 %, and numerous mistakes corresponding to my personal information, and was advised to sign them, but I refused to sign incorrect documentation. There were close to ten documents sent to me with incorrect information, and all they could say to me was that it was the systems fault. 
In addition, the first date of closing was suppose to be on XX/XX/XXXX, and fund distribution on XX/XX/XXXX. On XX/XX/XXXX, I had not received the correct paper work, nor had I received a call from the bank representative to let me know it would not close on that day. I left messages for the representatives I was working with and never heard back from them until the following week when I received a second funding date of XX/XX/XXXX. 
Originally, my loan amount was going to be for {$520000.00}, but today I received a call from a representative of the bank stating that they could not give me the amount which was proposed several times on all the earlier documents. The new amount was going to be {$460000.00}. I have two properties that I own, and are paid off exceeding the amount of my loan. I have excellent credit, and several savings accounts with Union bank. 
The appraisal they hired took black and white photos, and did not capture the improvements of my home. It revealed that his work was the work of an amateur rather than a professional appraiser. Thus, the appraisal itself has three different amounts my home is worth with the highest being {$650000.00}. 
I feel Union bank has been discriminating against me, and I do not feel I have been treated as a valued customer who has done business with them for many years. The way they have handled my loan approval is not acceptable, and as a customer I feel they have violated many of my rights as an a senior citizen.

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 2017-10-10 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: Harpeth Financial Services, LLC
State: TN

Complaint narrative:
I took out a flex loan through XXXX XXXX in XX/XX/XXXX. I took this loan with the understanding it was a higher rate loan, however the repayment terms were not disclosed nor explained to me properly. There available loans are between $ 25- {$4000.00}. They advertise their XXXX XXXX, naturally, however all examples of repayment listed on their website are not for the {$4000.00} as if they were I feel sure they would not conduct the volume of business they do. 

These repayment examples also do not show any repayment schedule extended past 14 days, but they offer repayment terms past 14 days. The fees charged and terms of your repayment change drastically the longer you have the loan. 

To sum it up. I borrowed {$4000.00} in XX/XX/XXXX, have paid a total of {$4500.00} to date, XX/XX/XXXX. The payoff on my loan as of today XX/XX/XXXX is {$4900.00}. I will have repaid a total of {$9400.00} to this company. They list the APR as 279.50 % ; however since this is a rate of " cost of the loan '', basically they charge a % every two weeks as a " customary fee ''. 

In XX/XX/XXXX, I paid {$430.00} on XX/XX/XXXX - breakdown : {$52.00} Principal {$32.00} Interest and {$340.00} Customary Fee. 
On XX/XX/XXXX, I paid {$430.00} TWICE! They took a total of {$860.00} on this day -- breakdown : {$52.00} Principal {$32.00} Interest and {$340.00} Customary fee, ALL OF THIS TWICE. 

Notice how the principal amount applied to my loan did not change from XX/XX/XXXX to XX/XX/XXXX payments? 

This to me is the definition of predatory lending. There is no way my documentation provided up front would have shown my ability to repay {$1200.00} per month. If they were going to place these repayment terms on me I would not have been approved for the loan, nor would I have applied. 

This company advertises their customers only pay for the time they borrow the money. I paid {$1200.00} in the month of XXXX alone on {$4000.00} I borrowed to begin with. {$43.00} a day is what I paid in XX/XX/XXXX. 

Why are these companies not forced to adhere to the state regulated maximum rates set by regulators and not required to prove a customer ability repay a debt based off their own repayment terms? 

I will provide all statements of my account and any other requested documentation. A dispute has been issued with the company as well in writing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-10-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
I would like ALL dispute comments 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 non-monetary relief
Consumer complaint received 2017-10-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: U.S. BANCORP
State: CA

Complaint narrative:
I was denied my loan because there is litigation against the HOA of the property I was purchasing. I had requested a letter to be corrected, as the original letter states it is due to my credit score ( XXXX ) and my finances. My loan agent had all the paperwork and was preapproved for the loan. The f/u letter I received stated they did not have my paperwork to the final person and therfore, my letter does not show that my finances were in order and the denial is due to the HOA litigation. .... US Bank has the paperwork which shows my finances and low debt-to-income ratio, along with my credit rating. They sent me a " standard form letter ''. The reasons for not giving a proper letter are due to US Bank not submitting to their own department in a timely fashion to issue a proper letter I am in need of a proper letter of denial to show for litigation purposes against the agent, seller, and inspector to recoup monies lost.

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 2017-10-10 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Commonwealth Financial Systems, Inc.
State: AZ

Complaint narrative:
Commonwealth Financial is a collection agency. The placed a major derogatory collection account on all three of my credit reports for {$1000.00} for some unknown medical fees. I contacted them via letter requesting all information concerning alleged debt, such as who the original creditor is, address, contact info, etc. All they could provide to me was their own computer print-out with no description of any kind as to what services were provided and by whom, and no other information whatsoever. The supposed services were from XX/XX/XXXX. I contacted them again by phone on XX/XX/XXXX and spoke with " XXXX ''. He could provide no further information, saying only that the medical group or original creditor had written off the amount a few years ago and that XXXX XXXX was now the owner of the written-off debt. I was then told I needed to file an ID theft complaint and a police report. I did that and faxed it to them. Commonwealth and XXXX XXXX are notorious shake-down operators that attempts to extort money from persons by damaging their credit until you pay them off. They should be shut down and put in jail.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-10 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: CAROLINA FINANCE, LLC
State: NC

Complaint narrative:
I purchased a vehicle from Carolina Finance in XXXX. Voluntarily surrender the Vehicle XXXX due to financial difficulties. My rep was XXXX. He agreed that I voluntarily surrender the vehicle which I did. 
He advised me the car would be auction off. the acct charge amt on my credit report is XXXX written off XXXX past due as of XXXX XXXX still reporting on my credit report. 
I contacted Carolina Finance on XXXX XXXX XXXX I spoke to rep XXXX in the XXXX branch she advised me after researching that there is no information in regards to me having an acct. XXXX transferred me to the XXXX branch, where I spoke to XXXX. Per XXXX there in nothing on file in regards to an account for me. she stated she was pulling up one Account with the name XXXX but social security did not match. I explained i was on my credit report she could not give me any other way to proceed about how she can help get this off my report with refusal to write the bureaus for me. 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 non-monetary relief
Consumer complaint received 2017-10-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
I would like ALL dispute comments 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 2017-10-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
I would like ALL dispute comments removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: CT

Complaint narrative:
According to my records, my student loan with Navient was paid in full. I made regular recurring payments. In spite of this they turned my loan over as " defaulted '' to the US Department of Education, which is now attempting trying to garnish my tax refunds. 

The US Department of Education sent me a letter giving me 15 days to dispute this, while refusing to provide me with the loan history and payment information I requested of them. They letter was dated XX/XX/XXXX, I received it on XX/XX/XXXX! 

This is outrageous.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-10 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bay Area Receivables, Inc
State: DE

Complaint narrative:
XX/XX/17 and XX/XX/2017 contact was made with XXXX at Bay Area Receivables regarding incorrect information that was reported to all three credit bureaus regarding a debit I do not own nor is even affiliated with my name. I spoke with XXXX at Bay Area Receivables and requested a letter to provide to XXXX to document information on my credit report filled by Bay Area Receivables is incorrect and that I am not affiliated with the account nor name that was submitted to all three credit reports by Bay Area Receivables. Sue, in the special sevice department at XXXX stated I needed the letter along with the dispute to have the information removed. I was told, per XXXX, that " XXXX '' the owner of Bay Area Receivables would not provide me with a letter nor would she. Bay Area Receivables reported a debit to all three credit bureaus that show an alias name on my credit report along with a debit owed by another individual. I was told by XXXX I needed a letter from Bay Area Receivables to file my dispute for the alias name that does n't belong to me along with the debit not belonging to me. I have also contacted the original creditor and told by " XXXX '' collections department at XXXX XXXX XXXX that I could not receive a letter regarding the fact that I do not owe money and am no affiliated with this alias on my credit report.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-10 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Rosebud Economic Development Corporation
State: PA

Complaint narrative:
I made a written request to stop receiving phone calls, but they are still trying to harass me over the phone for a payment.

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 2017-10-10 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: DOLEX DOLLAR EXPRESS, INC.
State: AZ

Complaint narrative:
The person who initially made the transaction entered the information wrong in the system. Their paperwork does not have a way to verify as to where the names have been placed. They placed the receiving person 's middle name as their last name. So when they went to pick up the money it was not being release to them. When I went in to correct the problem the following day it was corrected very promptly. There are no complaints there other than the fact I had to take time off work that I should have had to take. 
The lady who fixed the problem said it would be fixed within 1-1.5 hours which it was. Although she said sometimes the PIN changes and said she would call me to let me know when the transaction was complete and the receiver was able to pick up the money. She said IF the PIN changed she would let me know of this change at that time. I NEVER received a call letting me know the transaction was complete much less giving me a new PIN. I found out because the receiver had to contact me yet again. The receipt given at the Dollar Express does not have the phone number of the actual location so that we can call directly only an XXXX number to customer service whom barley speak/understand English. Which took more time out of my workday. This is not the first time they have entered the person 's names wrong. When dealing with money that should be one of their top priorities.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-10 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: CA

Complaint narrative:
XX/XX/2017, is when I last sent this company a letter disputing several incorrectly reported items on my credit report. including XXXX XXXX Acct # : XXXX which was removed from my report by XXXX. I am not asking this company to base the investigation on XXXX 's investigation results. I am just stating a fact, that an item being not verifiable to one bureau, should be the same with the other bureaus. I am requesting copies of documents used in the investigation by this company that XXXX is not able to obtain. Please reinvestigate properly all the items I have disputed, from the inaccurate account opened date, highest balance, status, inaccurate payment 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 explanation
Consumer complaint received 2017-10-10 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: CASHCALL, INC.
State: AZ

Complaint narrative:
This is a " Predatory Loan '' I 'm finding out. Unfortunately the hard way. I received this loan on XX/XX/XXXX for {$10000.00}. Which at the time they took approximately {$500.00} in fees. For a total of {$10000.00} deposited into my bank account. It is now XX/XX/XXXX I have not missed a payment and have paid on time each month. My current payoff balance is as of XX/XX/XXXX {$10000.00}. Each month my payment is minimum of {$840.00} and maximum of {$850.00}. I have currently paid over {$16000.00} to Cashcall with no apparent end to this loan in sight. Extremely high interest rate 99.75 % I NEED HELP!!!!!

Company response to consumer: Closed with explanation