vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-04-20 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: SUNTRUST BANKS, INC.
State: NC

Complaint narrative:
SunTrust c hecking account. They keep charging us overdraft fees and the overdraft fees is what makes our account go in the negative. They should not be able to do this, It is not right especially when the overdraft fee causes the account to go in the negative!!

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 2017-04-21 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Settlement process and costs — 
Company: Ocwen Financial Corporation
State: MN

Complaint narrative:
Ocwen called us about our Mortgage, said we were behind, we were NOT in fact we had paid over what we owed. We pulled bank records etc to proved where we paid and asked where it had gone, no response. Next I know we are getting letters stating our home is going in forclosure and going to be offered on a sheriffs sale unless we take this Modification they are offering. after going back in forth with them for weeks, months we were forced into taking this modifaction just to keep our house, then find out after we sign it the added a balloon to the loan and has hurt our credit. I was at an  XXXX   credit score  now I am at a  XXXX . Oh also our payments went up, not down, however I cant find another company to take over the loan as they have hurt our credit, added all these fees etc to the loan resulting in thousands of dollars, what does one do? please let me know what we do at this point.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-20 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
they say not information about me.when I am disputing an item and notorizing it and send it to then to its me send it.they wait 30 days and send a delay letter after another delay letter.

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 2017-04-19 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: First Data Corporation
State: TX

Complaint narrative:
I had written a check on  X/XX/2017    an account that is not used frequently. This check was returned and I received no notices advising that it was returned nor was it reported t o TELECHECK. When atte mpting to make a payment for daycare, my payment was rejected by TELECHECKand no reason was given. After discovering this, I was advised to call  TRS Recover  Services to get further information.     Upon Calling them, I was advised they were a division o f TELECHECK and th ey want to collect on the debt that they paid on my behalf. Having to get this cleared, I advised them to I would pay at that time  (  X/X/2017  ) t o get everything straightened out. They advised that the check will be redeposited that night and there was nothing I could do. I ensured that the funds would be available and the check cleared on  X/XX/2017   . Thinking that my ability to write a check would be restored in time to make by daycare payment, it was again denied due to the fla g in TELECHECK. I c alled TRS and they advised that it takes 14 days for the payment to post even though they have recieved my funds. This delay has adversely effected my ability to use checks and inconvenience of having to pay cash or money order for bills.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-21 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Optimum Outcomes, Inc.
State: GA

Complaint narrative:
Optimum Outcomes, Inc is in complete violation of the FCRA, HIPPA, and Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ). I never established a contract with this company and they have no validation that I owe any debt to there company.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-21 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: Experian Information Solutions Inc.
State: DE

Complaint narrative:
Experian reports an open account on my credit report, that I am not aware of. The only information that I have is that it is most likely  XXXX , address only,   XXXX   XXXX    XXXX ,  XXXX   XXXX  South Dakota,  XXXX . I never had a citi card, only have  XXXX  credit card now, and it is not theirs. It is impossible to talk to a human at experian, and I could get no other information. Not even a telephone number. On the experian report, it shows as open.

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 2017-04-20 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I spoke to a rep in the special handling department and I informed her that it was  XXXX  different social security numbers reporting on my credit report which are not mine. She informed that those socials was tied into  XXXX  accounts which is not mine! I 've sent experian faxes to prove my identity and they still wo n't remove those accounts 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 2017-04-18 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc.
State: MN

Complaint narrative:
I initiated a re-investigation as is my legal right with Experian on information that they had failed to properly investigate. In direct violation of FCR A 611 ( 3 ) ( A ) - ( C ) [ 15 U.S.S. 1681i ], they determ ined the information as frivolous even though I had requested investigation of some different and very specific aspects of the records ( for example, due to their previous reply that they had not actually investigated the public record but instead simply went to another company to get information and not to the actual reporting body ) that was not presented when I previously disputed the information. Experian 's CONTINUED unwillingness to comply with my rights under the FCRA for information is causing me undue hardship, loss of opportunities for housing and is costing me actual monetary damages via higher interest rates, insurance rates and fees based on unverified and unvalidated information.     ADDITIONALLY, Experian has continually violated F CRA 606 ( 3 ) [ [ 15 U.S.C. 1681d ] in that  they have furnished an investigative consumer report containing a public record that has not been verified for accuracy of the information within a 30-day period ending on the date on which the report was furnished.     ADDITIONALLY, Experian has made applicable FCR A 616 ( a ) - ( d ) [ 15 U.S.C. 1681n ] Civil Liabality f or willful noncompliance. I am sharing the contents of this complaint with my attorney to decide on how to proceed to obtain damages from Experian unless this matter is satisfactorily resolved.

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 2017-04-21 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: Santander Consumer USA Holdings Inc.
State: GA

Complaint narrative:
I purchase  XXXX   XXXX   XXXX  from  XXXX  on  XX/XX/XXXX . I agreed to pay {$540.00} for 72 months. which is 6 years which should be paid in full  XX/XX/XXXX . My balance with  Santander Consumer USA  is  XXXX . This Company has taken every payment that i have made and applied the total payment to Interest only and the loan is continue to accrue interest this has to be illegal a violation of the truth in lending act. They have report false information to credit reporting agencies. My credit report show that i have made a total o f 52  payment {$23000.00} and i still have a balance of  XXXX . My loan balance should be {$2800.00}. Please see attached documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-21 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: CarMax, Inc.
State: TN

Complaint narrative:
Can not make car payment online or over the phone when I tried to make payment on  XXXX  .2017. Got this m essage when I tried to make payment.     Sorry, you are unable to make a payment at this time.   You can not make any checking or savings account payments at this time. Please call Customer Service at  XXXX  to have your account reinstated.     I have called them several times about this issue and even when I tried over the phone it did not allow me to do so, it just cut me off.     The las t 2 p ayments have been made over the phone and tonight it would not allow me to do so. I have repeatedly asked them to fix the online tool and still has not. These people are CROOKS! I am over this entire fiasco with them and also have decided to report them to the Attorney General and also seek advice of legal counsel as they have continued to violate me as a consumer with illegal tactics!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-19 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: AZ

Complaint narrative:
Hello, I have an auto loan # :  XXXX  with  Fifth Third Bank ( 53.com. )  On  XXXX   XXXX  I realized by checking my account on line that on  XXXX   XXXX  this lender added  XXXX  charges of {$840.00} each, this as they stated was for the insurance coverage, which according to them I never had. This is the second time that this bank did the same to me ; the previous time was on  XXXX   XXXX .   On Monday  XXXX   XXXX   XXXX , I calle d Fifth Third Ban k loan department and they informed me they do hire a company that check insurances on cars called,   XXXX   XXXX    XXXX   XXXX   XXXX . When I called  XXXX   XXXX  to number  XXXX  a representative from this institution name  XXXX  told me that she was not fully sure that they had enough information about my insurance situation, but when they are in doubt they just informed that to lenders, since proof of insurance can not be proofed they assumed the car does not have insurance, then in this situation they had to report it  to Fifth Third Ba nk. This is an unfair way of doing business because affects consumers.   Last year on  XXXX   XXXX  when this same issue happened I updated my home address, and today  XXXX   XXXX  when I talked to Representative  XXXX   XXXX  from the loan department, she stated that still the database shows my old address and that never got updated. Due to this issue the letter requesting proof of insurance this year was never sent to the right address, therefore I got never informed of such request. This bank is engaging in unfair practices in prejudice to consumers. Also the agreement I signed with the dealership has different rate and at the time I am paying 0.14 % more.    XXXX   XXXX   XXXX , I emailed my proof of insurance to representative  XXXX   XXXX  to email :  XXXX  XXXX  XXXX , also expressed my concern about the rate difference, she stated that when my email is received do not expect a response because it may take some time to do research.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-19 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Patenaude & Felix A Professional Corporation
State: CA

Complaint narrative:
I filed a police report a few years ago when tax returns were submitted in my name by someone other than my mother. Mother requested I get a copy of my credit report as well and we discovered several unknown accounts had been established in my name.     That said, a  XXXX    XXXX    XXXX  account was placed on my credit was later removed. Now I am receiving harassing phone calls from a collection company in regards to the  XXXX    XXXX   account. The company  Law Offices of Patenaude & Felix, A.P.C . have also accessed my personal credit report and just recently sent me a collection notice requesting that I pay them {$1700.00} when a notice in the past said the account was for {$1000.00} bucks.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-21 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC
State: PA

Complaint narrative:
XXXX   XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX  Loan #  XXXX  To Whom  It May  Concern : I reside at the property listed above, which is my primary residence.   I 'm experience difficulty with financing and the loan company of following through with hardship, I submitted a resident application mortgage included my Documents and pay stubs, on  XXXX   XXXX  ,2017 which  I received a denial letter on  XXXX   XXXX     2017, Bas e ' on the income was receiving was to high basically I made too much they quoted. On  XXXX   XXXX   2017 I g ot a phone call from my job explaining to me that the company I was contracting for did not extend my contract and I was now out of a job, but was grateful to gain another job for less money, So I reapplied another resident application to Ditech again with the standard documentation they needed on  XXXX   XXXX     2017, I r eceived a letter in the mail stating that they did n't get the income documentation part, I called ditech and explain to the customer service rep that I just started a new job and I do n't get a paystub or letter of employment not just yet but I do have my Proof of my  XXXX  documentation that show the amount I get a month of  XXXX  a month, they understood and told me to submit the document to them, On  XXXX   XXXX   2017 I calle d Ditech on  XXXX  to check the status and yet again it was denied I ask how did they determine the status they replied base on my  XXXX  and paystubs I never send them any paystub, so I was declined base off a faults information before I could explain it the situation they over talk me and hung up I waited on  XXXX   XXXX     2017, and  called Ditech back and got another customer service rep and I explain to her about the denial letter and she told me to write them appeal letter explaining everything I just explain to her and fax it over which I did submit the letter including a copy of proof of  XXXX  and my start date, rate and hours of my now employment .I waited fo r 48 h our and called back on  XXXX   XXXX     2017 to  check on the status of my appeal and the customer service rep told me that my the appeal was denied I ask why he said I did n't have no rights to appeal thank and bye and now all I get is a answering machine now. Please review my application I do n't believe I was reviewed for a loan Mortification properly.   I am schedule for sheriff sale  XXXX   XXXX ,    2017 Thank  you for just take the time to read this, hopefully I can hear back from you, my Phone number  XXXX  if you have any questions..   .    Sincerely Yours

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-21 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
Equifax shows  XXXX  open disputes for the same item  XXXX   XXXX  's creditor ). I disputed the balance and credit limit online however when I tried to attach documents and error message appeared. So, I called and was told to fax the documents. I faxed the documents  X/XX/17    and the  XXXX  information was updated on  X/XX/17   . HOWEVER, they did not close the original dispute. Even though I 've explained it is now correct thanks to them. One rep told me the online system actually did accept my docs even though an error message popped up and that when I faxed the docs their system automatically created a  XXXX  dispute. They refuse to close these disputes which have already been processed and corrected and seem to be reading a script that says I " have to wait until the  30-45 d ay period is over before the disputes are removed. '' As of today diputes #  XXXX  & #  XXXX  are both open and need to be closed immediately as I am trying to obtain a mortgage and these open items are blocking anyone from running my credit reports. In addition, I submitted paperwork via fax to remove an erroneous Tax  Lien  and they said they 're not sure that " released as erroneous '' means that they should remove the lien but instead it might mean that the issuing creditor should never have listed it as released so they are leaving it on my report. They did not read the rest of the letter from the creditor which states that " the above liens were ISSUED IN ERROR. '' Not sure how anyone can mistake that erroneous means it was an error. Thank you! : - (

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-21 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: ERC
State: NY

Complaint narrative:
I was contacted by a debt collector for  XXXX , and they refused to give me an address, nor would they send me a letter, they wanted my bank information by phone and I refused.I had not heard from them until recently, because a new company now owns the debt and it has been placed on my credit report. The debt is approximate ly 6 years old. Th e bill must have been going to my old address ... and I was never contacted by phone until it was sent to collections.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-18 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: REGIONS FINANCIAL CORPORATION
State: GA

Complaint narrative:
Back in  XXXX  of    2010 I filed a  Chapter  XXXX  Bankruptcy it was discharged in  XXXX  o f 2010 for s ome reason my Regions Mortgage was not reaffirmed. Since then they refuse to report my loan to any of the credit bureaus. My payment book comes in the name of my wife and myself, I 'm listed on the mortgage account on the warranty and security deed as well as the note.   I call Regions mortgage and get a plethora of misinformation as to why they wo n't help me in any way. They portfolio my loan and have denied me a loan modification, HARP loan and even a hardship.   I do everything I am supposed to make my payment on time every time and they continue to deny me the ability to refinance or reduce my 5.25 % 30 year fixed rate 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 2017-04-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: IL

Complaint narrative:
XXXX   XXXX , whom we do not and never have held a mortgage with, erroneously paid our  XXXX   XXXX  County property taxes and is seeking reimbursement. I confirmed  XXXX   XXXX  made the payments with the  XXXX   County Treasurer 's    Office.  On  XXXX / XXXX / XXXX , a  XXXX   XXXX  Claims Processing Representative explained our tax ID # is similar to one of  XXXX   XXXX  's customers ( differs by a digit ), thus,  XXXX   XXXX  paid our property taxes in error. Based on internet research,  XXXX   XXXX  has made many errors in regards to property tax payments.     Initially, our mortgag e (  a FHA loan ) was with  XXXX   XXXX   XXXX . The following were escrowed in the loan : our home owners insurance, mortgage protection insurance, and property taxes. Historically,  XXXX   XXXX   XXXX  made our property taxes to  XXXX  County without issue. However, when  XXXX   XXXX   XXXX  made our  XXXX  property taxes, the payments were returned as they had been paid by  XXXX   XXXX .   XXXX    XXXX   XXXX  failed to question the returned payments. Instead, they held the funds in our escrow account and issued partial refunds to us in the form of checks.     When we received the refunds checks, we contacted  XXXX   XXXX   XXXX  for an explanation. Customer Service simply stated that the refund reason was for an " escrow overage. '' They did not offer any further explanation and did not state our tax payments had been returned.  XXXX   XXXX   XXXX  sold our mortgage to Carrington Mortgage Services,  LLC  in  XXXX  of  XXXX . Our mortgage went to Carrington Mortgage Services, LLC 's books with an escrow balance. Carrington Mortgage Services, LLC issued us an escrow refund check, however, no explanation have been obtained from them.     On multiple occasions, we 've contacted  XXXX   XXXX   XXXX  and Carrington Mortgage Services, LLC to reconcile the escrow accounts and to resolve the issue. However, they have failed to respond or work with us on reaching a resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-19 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO.
State: TN

Complaint narrative:
I ATTEMPTE D THREE TIMES TO REFINANCE MY MORTGAGE THROUGH J.P. MORGAN CHASE. I   RESEARCHED THE HAMP ( I BELIEVE THAT 'S WHAT THE ABBREVIATION IS ... .THIS WAS IN  XXXX  ). THEY DENIED ME THREE TIMES. THE FIRST TWO ATTEMPTS I WAS TOLD, " YOU DID NOT TURN YOUR PAPERWORK IN T O US I N TIME. '' THE THIRD TIME I SENT ALL  XXXX  PAGES OF DOCUMENTATION IN TO THEM TWO TIMES. THEY CONTINUED TO SAY I DID NOT TURN MY PAPERWORK IN ON TIME. THEREFORE, I HAD TO QUICKLY SELL MY HOUSE. NOW I AM CURRENTLY HOMELESS.  XXXX   XXXX   XXXX   XXXX    XXXX   XXXX    XXXX   XXXX , TN  XXXX  OLD ADDRESS WAS :  XXXX   XXXX   XXXX   XXXX , TN  XXXX

Company response to consumer: Closed with explanation