vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-07-14 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: KY

Complaint narrative:
I have a student loan with Navient and my company started to make extra payment as a benefit with my employment. I am still making my regular payment every month but the extra payment that my company makes gets applied to the next available payment instead to principal only. The payment comes with instruction to apply to principal only but Navient does not do this. I called and they said it is not there policy to do that when a payment comes in. I believe they should apply as directed so that my loan gets paid off faster.     Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: TX

Complaint narrative:
I live in a flood plane and which means that I have to carry flood insurance to statisfy my mortgage requirements. I previously had my home hazard insurance and flood insurance with XXXX. After a very poor experience with XXXX, I switched my home hazard insurance to XXXX. My flood insurance is set to renew this year on XXXX. I have been trying to switch that over to XXXX as well. <P/>In XXXX, I found out that my mortgage company, who handles my escrow, Shellpoint Mortgage sent over renewal payment to XXXX for my flood insurance. I did not request this nor want it. I only found this out when I called to have the insurance be switched to XXXX. <P/>Since then, I have been trying to get the insurance switched. On XXXX, Shellpoint told me that a check would be sent to XXXX. Then, once they received that payment, they would provide me with a Decleration Page, which I could use with XXXX to cancel the current renewal and get the original payment refunded. <P/>On XXXX I received information from XXXX that the check never went out. Upon calling Shellpoint, they confirmed the same thing. After spending over an hour on the phone between both parties, Shellpoint said that they would overnight a check to XXXX to make sure that we could get this worked out before the renewal date of XXXX for my flood insurance. <P/>On XXXX I called Shellpoint to confirm everything was good, and get the overnight check information ( tracking number, carrier, etc ) so that XXXX could easily find the check. Then I was informed that the check never went out and that it takes them 'time ' to process the check. <P/>I am currently on the phone trying to deal with this issue. However, I have very little faith that it will get worked out. I am worried that I will not be able to switch my flood insurance to XXXX and even if that happens, I am worried about being able to get a refund from XXXX. <P/>Please help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-14 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Security Credit Services, LLC
State: UT

Complaint narrative:
" Security Credit Services '' is reporting two separate amounts in collections on my credit report. I have sent them two separate requests for validation, as the original creditor was n't one I recognized. The most recent request was sent on XXXX/XXXX/2017, and is attached to this complaint. They have failed to respond in written correspondence, with the information needed to validate any accounts they have in my name, or any amounts they are reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
I 'm trying to ge t a cash advance trough   XXXX   XXXX   and td bank refuses to send an update on my account in a timely matter they are costing me money! This bank is one of the most unhelpful bank I have ever had all they care about is making money and   they do n't care about the customer!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Seterus, Inc.
State: PA

Complaint narrative:
My Mortgage is being serviced by Seterus, Inc out of OR. I asked for a payoff on XX/XX/XXXX was told it would take 7-10 business days or less. When not receiving the payoff I called the Call center for Seterus and was told due to my account being a Chapter XXXX bankruptcy that the account would take sometime to get a payoff. I had previously received payoffs without trouble XXXX XXXX and in XXXX XXXX. I had secured a refinance from another bank and was near closing when I asked for this payoff.
<P/>
My bankruptcy was Discharged in XXXX XXXX. I have not missed any payments on this loan during the bankruptcy process or since and the loan was always secured 100 % by the property value therefore therefore there was not a " Cram Down '' involving this lender. However on all calls I have made in concern of this payoff the only explanation I have been given is that the delay is due to the bankruptcy, complications with Chapter XXXX XXXX  and a " Cram Down '' making calculations difficult. On one of the recent calls, XX/XX/XXXX I was told by the call center operator that she could see in my file that the accounting on my loan was finished on XX/XX/XXXX but thereafter the payoff was marked cancelled in my file. On all calls to inquire I have been told the supervisor was escalating '' my request and I still have not received the requested payoff. I have now lost my rate lock on the new and approved refinance.
<P/>
On XX/XX/XXXX I called XXXX XXXX XXXX  XXXX ( XXXX XXXX ) in XXXX  TX, who is the institution that owns my mortgage and uses Seterus, inc. to service and collect. I Spoke with a representative and explained the circumstances. He was very curious and asked good detailed questions to get an understanding of my circumstance. He said he was unable to circumvent Seterus, Inc. and give me a payoff direct from XXXX XXXX but he would do what he could to look into it from his end and contact Seterus, Inc. and that he respond back to me but told me he may not hear back from Seterus, Inc. for up to 15 business days.

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 2017-07-14 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
TransUnion had  XXXX  separate glitches and my inquiries were deleted and then re-added to your report once the glitch was discovered. I 'm well aware of your legal rights and legal protections and that they failed to notify me in writing 5 days prior to re-adding the inquiries to my report that they were intending to do so. I contacted TransUnion in good faith to ask them to delete the inquiries that they had illegally re-added. These inquiries add a hardship and that my rights were violated by TransUnion. CFPB help me make TransUnion stop victimizing 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 explanation
Consumer complaint received 2017-07-14 00:00:00
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
XXXX   XXXX ,  XXXX . of  XXXX   XXXX   XXXX   XXXX   XXXX  handled the foreclosure matter on our home. We sold our home on   XX/XX/XXXX    , 2 months before the scheduled sheriff sale date of   XX/XX/XXXX    , and  XXXX   XXXX  asked for and received the sellers disclosure on   XX/XX/XXXX    . We also signed a confidential settlement agreement that  XXXX   XXXX  prepared. However,  XXXX   XXXX  refused to cancel the sheriff sale even after we contacted the sheriff department, told them the house was sold, and the sheriff department reached out to  XXXX   XXXX  to cancel the sale.  XXXX   XXXX  still did not cancel the sale. Our name was wrongfully published for 2 months on every auction website and we were inundated and harassed by attorney and realtor solicitations. We were also contacted by family members and old neighbors advising us that our SOLD home was still up for sheriff sale. The sale was never canceled despite all our attempts to get  XXXX   XXXX  to do his job and cancel the sale. We do n't know why a debt collection firm would behave in this type of unethical and harmful behavior other than to cause our family severe emotional distress and to cause us financial harm. We have tried to settle this matter with them.  XXXX   XXXX  's response has been to threaten us with in-house legal action when we informed him of our intent to file an ethics complaint as well as this complaint with the CFPB.  XXXX   XXXX   XXXX   XXXX   XXXX  is well known for their abuse of homeowners. In this case, they should not be allowed to intentionally inflict pain and suffering on homeowners who have already sold their home. We sold our home and 2 months later we went to sheriff sale. There should be consequences for this type of criminal behavior. The real question is ... why did he do it? Was taking it to the sheriff sale date an important milestone that needed to be met in order to trigger insurance payoffs or other incentive pay. I strongly suspect this is the case and the CFPB should be looking into this matter closely.

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 2017-07-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ME

Complaint narrative:
I reached out to both Transunion and XXXX to make them aware of unauthorized inquiries on my credit report. They were unwilling to assist me in getting these erroneous inquiries removed, so I am reaching out to you to help. There are also accounts that are not mine that are showing that need to be removed. The inquiries are : Transunion : XXXX , XXXX XXXX XXXX, CT XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, ME XXXX XX/XX/XXXX XXXX XXXX, PA XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX Dates are : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX, DE XXXX XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX  XX/XX/XXXX XXXX XXXX  XXXX, DE XXXX XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX,  XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX.
<P/>
The following are inquiries from XXXX that are not authorized by me : XXXX XX/XX/XXXX and XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/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 2017-07-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Experian is reporting inaccurate personal information on my credit report that needs to be deleted.
Incorrect Names : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX Incorrect SSN : XXXX Incorrect Addresses : XXXX XXXX XXXX XXXX XXXX, CA XXXX Address identification number : XXXX Type of Residence : XXXX XXXX XXXX  Geographical code : XXXX Address : XXXX XXXX XXXX XXXX XXXX, CA XXXX Address identification number : XXXX Type of Residence : Single family Geographical code : XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX XXXX XXXX XXXX XXXX, MD XXXX  XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX, MA 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 2017-07-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below.     Under the Fair Credit Reporting Act , 15 U.S.C. 1681g  I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under  Section 611 ( a ) ( 5 ) (  A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to  3rd pa rties you are damaging my reputation and credit worthiness.  <P/> Under the FCRA  15 U.S.C. 1681i,  all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report.  <P/> Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately.  <P/>  XXXX   XXXX   XXXX  " NO ACCT # '' UNVERIFIED/NO CONTRACT

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 2017-07-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below.     Under the Fair Credit Reporting Ac t, 15 U.S.C. 1681g I  have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required un der Section 611 ( a ) ( 5 ) ( A ) (  i ). By publishing these inaccurate and unverified items on my credit report and distributing them to  3rd p arties you are damaging my reputation and credit worthiness.  <P/> Under the  FCRA 15 U.S.C. 1681i,  all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report.  <P/> Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately.  <P/>  XXXX   XXXX   XXXX  " NO ACCT # '' UNVERIFIED/NO CONTRACT

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 2017-07-14 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Medical Business Bureau
State: GA

Complaint narrative:
On  XXXX  I received an alert from my credit monitoring service that an account had been added to my   XXXX    and   XXXX   report. On  XXXX  I received another alert that the account had been added to my  XXXX  report. I have no knowledge of this debt. This company NEVER sent out a dunning letter for me to respond to and just put this debt on my credit report which is against the law. Filed a complaint and the response from the company was they did not have an account for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
American Express is processing a payment that I am asking them to stop. They have tried processing the payment once, and when that did not go through, I asked them to stop, take the money out of a different account. Now they have debited my account with full payment and are still trying to debit the other account that I have requested  three  times for them to stop. They have had opportunities before the payment was processed again to stop it. They will not contact ACH or compliance and simply state that they can not do it. The only way to stop it is if I put a stop payment from  XXXX   XXXX , which is not fair to charge me a stop payment fee when I am asking American Express to stop payment from that account. I am not the only person who has this problem with them, as stated by the call center supervisor,  XXXX . Obviously, they are not protecting their consumers by not allowing payments that have not been processed to stop. Rather, now I  may  get charged a NSF fee as I have to wait for the payment to go through three times, when I asked for the payment to not go through after the first time.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-07-14 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Ascension Point Recovery Services, LLC
State: FL

Complaint narrative:
My father XXXX XXXX on XX/XX/XXXX. I am the court appointed executor of his estate. I received a bill dated XX/XX/XXXX ( received on XX/XX/XXXX ). As the original creditor is not listed on this correspondence, I called to ensure this debt is not being collected under the original creditor name and a collection company. After requesting a manager, I was transferred to XXXX who advised me it is " Against the Law '' for him to tell me the creditor on this debt. When I asked what law it was against, he openly admitted he did not know and did not even know if there was a law prohibiting it. He transferred me to his supervisor XXXX and she also refused to identify the initial creditor. Ascension Point is practicing deceptive collection practices through both the failure to identify the original creditor which is required by law and through the use of intimidation by making false statements such as " Against the Law ''

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
USAA bank has been my primary bank fo r 7+  years, and the communication speed of their online services is very slow.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-14 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Express Recovery Services, Inc.
State: UT

Complaint narrative:
Express Recovery Services  is attempting to collect account that I had record had already been paid. Also, a request for validation of this account was sent on   XX/XX/XXXX    , after talking to the original creditor, and  Express Recovery Services  has failed to respond. They are reporting an amount owed of {$100.00}, which I do n't believe I actually still owed as this was paid to  XXXX   XXXX . Since they do n't respond to validation requests, I have been unable to verify this account or amount owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-14 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: D&A Services, LLC
State: PA

Complaint narrative:
XX/XX/XXXX Attempted contact via employer XX/XX/XXXX Call and informed not to contact at work that it is not permitted by employer to receive personal and other non-work related calls XX/XX/XXXX Attempted contact via employer despite instruction not to contact me at work

Company response to consumer: Closed with explanation