vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-07-16 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Phoenix Financial Services LLC
State: FL

Complaint narrative:
As far back as XXXX XXXX I have experienced identity theft and after reporting a opening of an unknown account that was opened in my name in XXXX XXXX, I reported all incidents and attempted incidents to the police. In an attempt to clear my credit I requested assistance to the CFPB and in XXXX XXXX XXXX my dispute via the CFPB was responded to by the creditor/ collection company. My previous dispute was initiated because this account was opened fraudulently and i am a victim of identity theft. I was promised that this entry would no longer be reported to any of the XXXX credit bureaus and requested that a Police report be provided. I forwarded the report to the collection agent and have not received any acknowledgement from them. I recently viewed my credit reports and find that this account is still reporting in my files and is causing a very negative effect and by non ability to acquire credit as a new business owner is causing me extreme financial hardship.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-22 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Settlement process and costs — 
Company: Specialized Loan Servicing Holdings LLC
State: NC

Complaint narrative:
REGARDING RESPONSE LETTERS XXXX, XXXX IN WHICH THE RESPONSES PROVIDED A COPY OF A HOME EQUITY LINE AGREEMENT AND DISCLOSURE STATEMENT SHOWING AN ENDORSEMENT OF XXXX. 
I AM REQUESTING SPECIALIZED LOAN SERVICING FOR THE XXXX TO PROVIDE THE TIME/DATE/YEAR WHEN THIS COPY WAS ACQUIRED BY SPECIALIZED LOAN SERVICING. I AM STILL WAITING FOR THE NAME OF THE CUSTODIAN / NOTE HOLDER THAT IS HOLDING THE ORIGINAL NOTE TO BE IDENTIFIED FOR THIS LOAN PROVIDED BY SLS. SHOULD THE PERSON RECEIVING THIS BE UNABLE TO UNDERSTAND THE TWO REQUESTS PLEASE SEEK HELP FROM YOUR LEGAL DEPARTMENT.

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 2017-01-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC.
State: KS

Complaint narrative:
I originally obtained my student loan through XXXX XXXX and was transferred to Navient. I consolidated my loans and began paying on an Income Based Repayment loan ( to XXXX XXXX ) in order to eventually take advantage of the public service loan forgiveness program. I specifically asked on numerous occasions if my IBR payments qualified for the PSLFP and was told yes. In fairness, I began paying and asking these questions at the very beginning of the announcement of this new possibility for loan forgiveness. I recognize in the beginning that they may have not understood exactly how this program would work. But for the past three or so years I have been making payments on a loan that I thought would qualify towards the PSLF programs required number of payments. I was told by a co-worker randomly that the only payments that count towards the PSLFP are those that are DL loans, not other loans, even those that are being payed on an IBR would count. I immediately began researching that these loans, while consolidated as I was directed to do, were not actually DL ( direct loans ) meaning they in fact did not count towards my 10 year repayment requirement. When I called the federal loan servicing department at XXXX they confirmed the fact that my prior IBR payments did not count and immediately consolidated my loans into a DL that would count, paying off my Navient loans. Navient when called stated they had never told me this, and unfortunately I do not have proof of the fact that I was given this false information. Additionally, when discussing the matter that the prior payment did not count with the federal loan servicing department at fedloan.gov, I was told they had heard numerous stories related to this but had no fix to the past payment issue, so I believe this is a widespread problem and many others are likely currently making payments that they believe count towards different loan forgiveness programs, though they likely do not. I have already made a complaint whit the BBB to no affect. Navient did not provide a response other than denial.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-17 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Shellpoint Partners, LLC
State: NY

Complaint narrative:
I have been in limbo with moving ahead with a disposition of a mortgaged property. It has been over two years. I have written to Shellpoint Mortgage asking them to either move toward Foreclosure, a Deed in Lieu and I have someone who wants to do a Short Sale. They have refused to move on either one. I am willing to assist them in whichever direction they choose. They only continue to add on fees and services without moving ahead. My hands are tied and I do not know what to do in order to get them to move ahead to some type of closure. I have my registered letters and all of my emails sent begging for a resolution. Please help me. I do not know where to turn to get this resolved.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-01 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO

Complaint narrative:
Bank of America continues to process transactions in a way that charges the most fees. They have done it 2 more times for my account, costing {$150.00} the past month for these greedy pigs. They do it on card charges despite that being outlawed, they are despicable people that take as much as they can.

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 2016-11-02 00:00:00
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: KEYCORP
State: CT

Complaint narrative:
During Key Bank 's takeover of First Niagara Bank, XXXX payments were made to my XXXX Sapphire credit card, each in the amount of {$12000.00}. 

This error occurred due to faulty information I was given by a representative of Key Bank at my local branch office on XXXX/XXXX/16, and exacerbated by their online banking site after the transition on XXXX/XXXX/16. I called the Bank and XXXX credit card company as soon as I noticed the error on XXXX/XXXX/16. I have subsequently made many call and have spent several hours on the phone trying to get my money back. At on point, XXXX agreed to return my extra payment electronically within 3-5 business days. This did not happen. Key Bank said they could refund my account, then work with XXXX to return the funds to them, but this has not happened either. I finally called my US Congressman 's office to enlist their help in getting my money returned, but even he has not gotten a satisfactory answer as to when my problem with be resolved. 

As this was a very significant error, my checking account had over an {$11000.00} deficit for two weeks. I had mortgage payments that became due and were not paid as scheduled. I had to move {$10000.00} dollars from my savings to my checking so that I would not have issues with my mortgages and monthly bills. As such, I am losing the small amount of interest on my savings. If this goes on much longer, I will have to dip into more of my savings which could bring my accounts below the level needed to have monthly bank fees waived. Although this is minor compared to still being out {$12000.00}, they are penalties I should not have to incur. I am very grateful to have the funds to transfer, but this situation is causing anxious days and sleepless nights for my husband and I. As XXXX we hope for a less stressful retirement.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-10-24 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
While reviewing my TRANSUNION credit report, I noticed an unauthorized and fraudulent inquiry conducted by XXXX, on XXXX/XXXX/2015. I did not authorize this inquiry and this gross negligence on the part of XXXX employees is a serious breach of my privacy Act and in violation of FCRA Section 1681 b ( c ). 
I did not sign any written consent authorizing employees of XXXX to view my credit report for any purpose, thus, the inquiry was an illegal conduct.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-02 00:00:00
Product: Debt collection — Mortgage
Issue: Taking/threatening an illegal action — Seized/Attempted to seize property
Company: Flagstar Bank, N.A.
State: TX

Complaint narrative:
I am attempting to clear up my credit reports after the final judgment on a statutory mortgage fraud and wrongful foreclosure lawsuit ruled in my favor. 
The reported no payments on the credit reports are court ordered as the foreclosure process was illegal and invalidated the Promissory Note and Deed of Trust is inaccurate because the court ruled in our favor declaring the aforementioned actions as illegal and thus voiding the lien. I am requesting that the item be removed or updated to show paid in full to correct the information. 
Another part of the case involved the Mortgage Broker that was illegally brokering Mortgages without a license in the State of Texas through XXXX XXXX XXXX. The mortgage began in XXXX of 2008 and involved XXXX lawsuits before final judgment was passed against XXXX XXXX XXXX XXXX in XXXX, Texas and their leaning to Accelerate the loan and all our possessions which is illegal in the State of Texas. XXXX is the company, along with XXXX XXXX that put the pressure on us and refused to speak with me, the XXXX person on the mortgage simply because it did n't fit their paperwork system. 
I have challenged this through the credit bureaus three times now and XXXX refuses to close this and wipe the slate clean. 
This is doing irreparable harm to me as a XXXX veteran health wise and financially.

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 2016-02-12 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Other service issues — 
Company: Securus J Holdings, LLC
State: CO

Complaint narrative:
Jpay is an organization that processes EFT money transfers to inmates. They have a captive audience in a cornered market, so they charge fees accordingly. They charge 18 % per transaction, which is highly disproportionate to the cost of processing the money transfer. These fees are charged to a disadvantaged consumer group : families of inmates who are likely to be financially struggling to get by. I feel it 's a predatory practice and it needs to be stopped. I 'm not even sure who regulates JPay, but the money transfer section of the company needs to be reviewed by the CFPB. JPAY has already been called out and regulated on for predatory charges for phone calls -- upwards of {$14.00} for a 15 minute call. Now the money transfer side needs work.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-25 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Financial Credit Service, Inc.
State: CA

Complaint narrative:
Ara FinancialXXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX been calling me and threatening arrest and legal action on a debt that is not mine. The debt is with a family member that I do not speak with. when I told them they do not have business with me they hung up and have called back again. These calls are in the early morning hours when I am sleeping, and they wake me up. I work a job that requires proper sleep and they are interfering with that. I have sent a certified letter to them, so now they have another branch office call.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-05 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Southwest Credit Systems, L.P.
State: FL

Complaint narrative:
SOUTHWEST CREDIT XXXX ACCOUNT NUMBERs : XXXX XXXX/XXXX/XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX Phone : XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you SOUTHWEST CREDIT SYS or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : SOUTHWEST CREDIT SYS or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL 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 2016-12-12 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: TN

Complaint narrative:
Nationstar hired XXXX XXXX XXXX to forcibly enter our investment property and removed everything ( {$8100.00} ) and destroyed our yard with roundup and cut all our trees. Even though the log in sheet, left on kitchen counter, stated winterizing, they took items we used to winterize the house. When NS was originally asked about the break in, they stated that we were in good standing and they did n't order an inspection. It was n't until I found out it was XXXX employee who removed everything and they had a work order from NS to perform these debri removal did NS tell me that no one was suppose to go into the house, only take pictures of the outside. The police investigation concluded that it was XXXX employees who took everything. They had a XXXX page inspection report and paid by NS. XXXX turned the issue over to their claims office. Nationstar now refutes all allegations of illegally entering the property because they hold the deed of trust and they determined the house was abandoned and unoccupied. There is NO way to tell from the outside no one was living there. We had spent 80 hours cleaning, staging and repairing this house after having to get court order to evict the tenants. The power was on. The a/c was on. There were lights on. A realtor had just left the house with in the hour. The security guards were never asked about the status of the house. AND our primary house mortgage is also with Nationstar. We received a letter from Nationstar on XXXX/XXXX/16 stating that if payment for XXXX 2016 and XXXX 2016 was n't paid by XXXX XXXX, 2016 foreclosure proceedings would XXXX. Payment in full was sent on XXXX/XXXX/16. NS received it on XXXX XXXX, 2016. The break in by XXXX was XXXX XXXX, 2016. 
Nationstar Mortgage mistakenly issued this work order two weeks too early. We feel they are using bully tactics on us little people so they do not have to admit wrong doing or repay us for damages. We 've just survived the XXXX 10 days ago and just do n't have the time or money to make Nationstar do the right thing. All we 're asking is to be where we were before Nationstar illegally removed our property from our house. We had to follow the law to get the tenants to vacate the property. Nationstar is no different. They 're not above the law. Any assistance in this matter would be much appreciated. 
Please adviseXXXX property address XXXX XXXX XXXX XXXX XXXX, TN XXXX Loan # XXXX Nationstar reference number XXXX Recap Nationstar first said it was n't them that ordered the removal of our property. 
XXXX. Then stated Assurants was just suppose to take pictures of outside XXXXRefuses to provide us a copy of the XXXX page inspection report so we know what was done to our house. 
XXXX. Police investigation determined that Nationstar did order the removal of our personal belongings. 
XXXX. Now refuses to repay us for damaged accured do to their mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-07 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
On XXXX XXXX, 2015, I submitted a letter to Ally Financial regarding issues with respect to a vehicle loan financed by Ally for XXXX XXXX XXXX in XXXX, California. Among other things, I requested that Ally respond to my issues. I have yet to hear from them. I have tried repeatedly to contact them but my calls go to unqualified personnel in the XXXX. They refuse to give me a direct contact person, email or phone number.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-07 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
Transunion had a glitch in their system that violated the rights of their consumers under section XXXX. As a result, I have been gravely affected and my score is suffering as a result. No notice was ever given which is also a violation and I am requesting that all inquires be removed : XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX Bank XXXX/XXXX/XXXX XXXX Bank XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX Bank XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX 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 explanation
Consumer complaint received 2015-12-31 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: Kenneth, Eisen & Associates, LTD.
State: AZ

Complaint narrative:
Never had a XXXX Account!, Never signed for anything, Have requested that in accordance to the provisions of the Fair Credit Report Act. 611 ( a ) [ 15USC 1681 I ( a ), these disputed items must be reinvestigated or deleted from my credit record within 30 days. 
I have contacted this collection firm, through email and postal mail. 
Have contacted XXXX complaint filed.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-31 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC

Complaint narrative:
I want an appeal of CFPB 's inaction regarding Case number : XXXX. Bank of America stopped accepting my regularly scheduled mortgage payments which were set up by my Bank of America Branch Manager to draft bi-monthly from my Bank of America account. My account was filled with plenty of funds to make all due payments. BOA failed to notify me of this arbitrary cessation in any way whatsoever. BOA also failed to telephone me when my payments were not received. They then placed my account in Foreclosure and still failed to notify me in any way. Through my own research I learned BOA 's XXXX-based foreclosure attorney tried incorrectly, to deliver a foreclosure notice to my tenants. ( This property is a duplex and it has been a rental since the inception of the BOA loan ). Still, BOA made no effort to contact me. I learned about the forexlosure through my own efforts noticing my payments were in arrears on a basic monthly statement, going into the bank, being told I had ti call the XXXX Department. i was then on hold for 90 minutes inside the bank, told a " pay-off '' would be faxed within two hours to the bank branch and only then could i pay anything on my loan. The fax never arrived. I was then told after 30 or 45 minutes on the phone that payoffs are " never faxed '' and would be mailed. When it arrived I had to pay over {$2500.00} to reinstate my loan. I have since tried for almost a year to contact BOA and to obtain what I asked CFPB for - a refund of the {$2500.00} plus letters written to the credit reporting agencies to clear my credit. BOA has hung up on me multiple times and I had had no relief. CFPB considered this case " resolved '' on BOA 's word without obtaining any documentation from BOA. BOA has been sued by numerous state attorney generals for taking advantage of consumers. I ask you to do better in my case, please.

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 2016-09-22 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
On XX/XX/2016 I called TD Bank and it was told me that my auto-pay has been removed by a manager.

Company response to consumer: Closed with monetary relief