vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-05-31 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Alabama Housing Finance Authority
State: AL

Complaint narrative:
On XX/XX/XXXX I cancelled an insurance policy with XXXX and XXXX ( wind/hail ) under a company called XXXX. Prior to doing so I established insurance with XXXX XXXX. When the policy cancellations were sent to XXXX, it appears the XXXX policy was cancelled but the XXXX policy was not. So since then I have been paying monthly escrow deposits which I have been told have were paid to XXXX for XXXX coverage on XX/XX/XXXX in the amount of XXXX. I had been trying to get the escrow payments cancelled for this policy since XX/XX/XXXX when I first called XXXX after I received much higher monthly payments since XX/XX/XXXX. I was told this was because of an escrow assessment done in XXXX which required higher escrow payments on the XXXX policy which is at that time I found out I was still paying for a cancelled policy. I have called XXXX at least five times since then and each time I get the run around and am told different information each time. Some of their representatives are not able to even tell me anything. I have called XXXX and emailed a document showing my refund of XXXX from XXXX and it says I have coverage elsewhere. I have been told that is enough. I sold and closed on the property on XX/XX/XXXX and prior to that date the title company could not reach anyone at XXXX  to get a payoff amount for closing. Earlier in XXXX I had requested a payoff statement which I received in the mail. It was dated thru to XX/XX/XXXX. I was able to give it to the title company so they paid the loan off after closing. The title company was contacted the next day saying I still owed XXXX which was the difference of what was owed from the XXXX policy. They said if it wasnt paid by XX/XX/XXXX I would be charged XXXX a day fee until it was paid. So not only do they owe me XXXX, now they want more for a policy that was cancelled. All they have to do is see I had XXXX XXXX on XX/XX/XXXX to know the other policy should have been cancelled like the XXXX document shows and send me back all the money I paid since then. My title company was good enough to pay in advance for me the XXXX but I will be paying them back and out more money. I just dont know what to do at this point. I cant get anywhere with them on my own.

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 2018-05-31 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: ZINC Financial, Inc.,
State: CA

Complaint narrative:
Im being harassed. Im never late on my loan. Never been 1 month late yet I seem to get threatened every month that they are going to repo my car today. It shows on my credit report Ive never been late. They call me every day almost. Plus they harass my coworker on her personal line since I used her as a reference and call my mother and tell her my loan information. She has a XXXX  problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-31 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Waypoint Resource Group, LLC
State: FL

Complaint narrative:
I have received multiple phone calls to the point I have had to block this collection agency. During the initial phone calls I requested via telephone that a validation of debt letter be sent to me asap as I do not have knowledge of that debt. I was told by the representative that a letter was sent to me weeks and weeks prior. At that time I told the representative that I had not received it and would they please send another. I could tell by the conversation that they would be a little uncooperative so I asked to speak to a supervisor. The supervisor came on and I requested a address to send correspondence to because I was sending them a request for validation of debt. I did in fact send that to them and have received nothing in return. At this point they are in violation of the FDCPA and I would like this to me looked into. At this point I want this account deleted from my credit report as it is causing issues with me requesting credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-31 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: I.C. System, Inc.
State: UT

Complaint narrative:
I had received XXXX XXXXXXXX back in 2013. After the XXXX was completed I began having complications with my XXXX  so I went back to my doctor for a review. 
It was determined that the surgeon had damaged my XXXX XXXX during the original XXXX on my XXXX. He offered to do another XXXX to repair the accidental damage done from the first XXXX at no cost to me. I agreed and the XXXX was preformed. Some time later I started receiving bills from my doctors office for the secondary XXXX preformed. After calling my doctors office and explaining to them what had happened and why the second XXXX was needed they agreed to stop billing me. Later after having my credit report pulled I noticed that my doctors office had sold the debt to a collection agency. I never agreed to this debt and I have been unable to have it 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 2018-05-31 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: CA

Complaint narrative:
Transunion Reports Closed and Negative account that is not related to me. That account is XXXX XXXX. I have never been responsible party for this account and have no knowledge why it only appears on my Transunion report. I am also attaching my XXXX and XXXX   reports which are more accurate than transunion to show that it is a mistake by Transunion which needs to be corrected immediately.

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 2018-05-31 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: Fidelity National Information Services, Inc. (FNIS)
State: FL

Complaint narrative:
My Consumer ID number is XXXX. My name is XXXX XXXX. Address is XXXX XXXX XXXX XXXX XXXX XXXX. I received my ChexSystems report and discovered that there are inquiries way over the FCRA statue of limitation exceeding the two years the law allows with the following dates XX/XX/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..including more. There are over 14 inquiries on my report in violation to the FCRA. The dates of these inquiries have exceeded the statue of limitations by law!! All these inquiries need to be removed off of my Consumer Report. In addition to this matter there is a source of information reported titled XXXX XXXX XXXX that is not related to me. This account needs to be removed. Please send me my updated current ChexSystems Consumer 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 2018-05-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: IN

Complaint narrative:
Client was going through loss mitigation. XXXX sold the loan to SP Servicing in XX/XX/XXXX. We got approval to do a short sale. We priced the home exactly where the bank told us too. Within a short amount of time we received an offer - XX/XX/XXXX. It is now XX/XX/XXXX still no response. I called. approximately 3 weeks after offer submission. Was told documents were missing. Obtained documents, sent them in. Nothing. Called approximately two weeks after that. Was told documents were missing. I explained they were sent in the same day I last called. " Oh here they are - well we need a differenct correction/paper/etc. '' I even XXXX XXXX XXXX out for this bank. Told I couldn't do that and had to put it back on. That was wrong - it needed to be a different amount even though I asked specifically " What do you want me to put? '' Fine. Corrections done and all docs resubmitted. I have been dealing with them since XX/XX/XXXX approximately every two weeks. I talk to a different person each time. Some friendly and helpful some not - my client, the homeowner, also calls often. EVERY SINGLE TIME - always something needs changed or changed back. I called today after submitting yet another correction for the THIRD TIME that had already been done and submitted previously! I was told the short sale is now expired and we are no longer in short sale. My client is devastated. We have done EVERYTHING this bank has wanted. Every correction every extra piece of information and now this. Over six months of trying to get my elderly client underneath this home - only to get the runaround and no one that can actually help. I talked to CSR 's. I talked to supervisors. I have been nice. I have been hateful. No one seems to know whats going on or how to help. I have been in XXXX XXXX for over 15 years. I specialize in XXXX 's. I know how to read a contract. I know how to deal with banks. Never, ever have I had an experience like this. I want someone to help. I have a client needing to sell. I have a buyer that met bank requirements. Why can't we sell this property? Why is the bank doing this? My client can not afford a lawyer. I don't know what else to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: CA

Complaint narrative:
I started my loan modification process with XXXX XXXX XXXX in XX/XX/XXXX. I thought I was nearing the end of the process and near a decision on my request when my loan was sold to Bayview Loan Servicing. Ultimately the process had to be restarted and I've been working on that for more than a year. Through this reapplication and review period I've been trying to establish how many payments I've missed. After much back and forth, I finally got something from Bayview. While I agree with the payments missed with Bayview, they show I've missed payments when my loan was with XXXX XXXX XXXX. I am still disputing the validity of debt that Bayview says I have with the previous servicer of my loan ( XXXX XXXX XXXX ) It does not agree with my records at all.. Meanwhile I've been trying to make regular payments and have been in regular contact with the asset manager at Bayview. In this past week I have been trying to get in contact with him to make another payment. I have been attempting to reach him by phone and by email. Finally after days of trying I got a message the phone number was no longer in service and my email was returned as undeliverable. Finally I was able to get through to someone at Bayview only to find out my file as assigned to another asset manager so I could successfully make a payment on time. I have not gotten any correspondence letting me know about this change of personel. I am frustrated by their lack of attention and customer service.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Santander Consumer USA Holdings Inc.
State: VA

Complaint narrative:
I purchased a XXXX XXXX XXXX in XX/XX/XXXX jointly with a friend of the family. The car was a total loss as of XX/XX/XXXX. The insurance issued payment in XX/XX/XXXX which brought the principal balance down to roughly {$8000.00}. Santander recalculated interest and modified my payment. I filed the claim with GAP ( which later I learned should have been handled by Santander, but they dropped the ball ) and the Gap company, using the payoff date of XX/XX/XXXX, paid the remaining balance. I was then told by Santander that I had a $ 500-ish balance because GAP didn't cover all the fees. I contacted GAP company for clarity who advised that they did in fact cover all the fees and that they paid according to the payoff. I chaulked it up to a loss, and asked Santander to modify my payment with the new principal balance, that way I could make affordable amounts on the account without falling behind, since I had to finance another vehicle. They told me that the first modification was a courtesy and they were under no obligation to do another so they couldn't help me. I have called repeatedly trying to figure out what the $ 500ish amount was. One person told me it was a payment that wasn't made, etc. etc. I have not gotten a straight answer from them and now my credit, along with the joint debtor 's credit, has taken a hit. In my review it looks like they, even though they received a the insurance payment and the GAP payment, still expected me to make an additional payment and I don't understand where that payment is coming from. The maturity date on my loan still says XXXX, but they never adjusted the payments to spread them out over that time period. Not that it matters, because I wouldn't take that long to pay it, but it would make it easier for me to manage right now. I am very suspicious of their accounting practices and lack of ability to answer questions or disclose information. I can understand having some lingering interest charges one both insurances paid out, but enough to equal another payment seems ridiculous to me, especially when they would have received their GAP insurance payment much quicker if they had done their job. I shouldn't be punished for their inability to perform their job adequately. I made a {$400.00} payment today which leaves a {$140.00} principal balance, however the payoff is {$710.00}! I dont understand the amount of fees they keep adding to this loan. It seems like they don't want me to be able to pay it off.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-05-31 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: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
I paid XXXX XXXXXXXX {$2000.00} to bring an account current, yet at the same time ( 48 hrs ) the account was reported as charged off. I was told by customer service that the status would be rolled back ( I have this conversation recorded ). Yet every call I make to them results in my being transferred to a call center overseas and people who claim to not know anything about it. I would think there would be notes on the account from customer service. I even offered to pay the balance in full immediately, even though the $ XXXX is more than the amount needed to bring it current. The account was late in the first place due to divorce and the ex emptying accounts. Syncrony was aware of this, and I was told that the department needed was not open on weekends. They did not contact me via mail. They have my email and did not contact me there either, or via phone. I was told they had an old phone number yet I had updated it to the one I've had the last 7 or so years. I had an excellent history with them before this. Their reps in other countries contradict what they say and I have recorded countless calls with them where I get different information depending on who I speak to. This is misleading, fraudulent, and they should not be allowed to treat consumers this way. Especially a consumer who is not asking for a settlement, but who wishes to pay the full amount due. Their incorrect reporting will now result in my children and me having a difficult time securing a residence, and also impact my ability to get a job.

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 2018-05-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the dates below : CAPITAL ONE / XXXX XXXX XXXX   XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-31 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: FIFTH THIRD FINANCIAL CORPORATION
State: WI

Complaint narrative:
Two days ago I called XXXX & XXXX to cancel all of the mailings I had been receiving the number of years. I got letters about business ratings. I sold my business and the current owners were getting my XXXX & XXXX letters and it was a nuisance. XXXX & XXXX would not grant my request without my giving them my SS number. I refused. There was no need for them to have it. I was doing no business with them. Today, as I checked my credit report, I see a hard inquiry from XXXX XXXX, which happens to own XXXX & XXXX. I called XXXX XXXX to dispute and was told I need a letter of deletion from XXXX. The phone # for their info takes me to the mail room. I was giving another number to call. That just put me in a run around with no human contact. I tried another number, got a person, told my story, told they did not have permission to do a hard inquiry, that I needed a letter of deletion. I was told that in order to get a letter, I needed to give them my SS #. I said NO. If they did the fraud by making a hard credit inquiry, gave themselves access to my credit history, who knows what else they could do and why would I trust them with my SS #. So I received no satisfaction what-so-ever and I am the one with the undeserved point drop in my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I contact the company and inquiry about a negative on my credit report and its states that I am been late in paying them every month with credit bureau. The account has been close for three years so how can I be late paying them.

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 2018-05-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: GA

Complaint narrative:
We are trying to get a loan payoff. We requested the payoff on XX/XX/XXXX, and told Ditech customer service that we needed to get the payoff by closing on XX/XX/XXXX. They said it would take 7 to 10 business days because their bankruptcy department would have to respond. As of XX/XX/XXXX, we don't have it. Calls to the customer service number are fruitless. This loan was part of a bankruptcy reorganization that ended in XX/XX/XXXX. The problem is we can't talk to anyone directly in their bankrupcty department about how to resolve the issues. All we can do is end up in call center nightmare being put on hold repeatedly. Trying to talk to supervisors is useless because they never answer their phone and never return their messages. All we want to do is payoff the loan!! Our sale of the property is now in jeopardy, and we have no clue as to who is looking at the issue, no phone number ... .no email ... ..no one to talk to or help get the problem resolved. 

We have documents that show that the loan was out of bankruptcy in XX/XX/XXXX and that the loan was not impaired or crammed down.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-31 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Servis One, Inc., Titusville, PA Branch
State: IA

Complaint narrative:
It has now been 60 days since XXXX has taken over the servicing of my loan ( my previous servicer, XXXX XXXX XXXX, has already verified to me that everything was transferred to XXXX on XX/XX/2018 ). I am in the process of trying to refinance my mortgage, but my account is locked due to 'auditing ', so I can't provide any information to my potential new lender. I have repeatedly called XXXX and documented those calls, but each time it's the same story ; no information. Nobody can tell me how much longer this will take, nobody can provide me with any information about my account details, etc. I'm seriously to the point I'm about ready to begin contacting attorneys in my area to see what type of recourse is available to me. For the moment, I will simply submit another complaint ( XXXX has never responded to my previous CFPB complaints ), so I have a paper trail showing my multiple attempts to resolve this issue. I attached a jpeg showing what I see every  time I log into the XXXX  system. Nothing.

Company response to consumer: Closed with explanation