vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-01-23 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: EQUIFAX, INC.
State: IL

Complaint narrative:
XXXX has erroneously posted an auto loan under my social security number and has caused significant damage to my credit report. On XX/XX/XXXX I notified XXXX customer service that an erroneous entry on my credit report showed an auto loan that I did not have. After several phone calls to XXXX they promised a call back but never did. On XX/XX/XXXX I called XXXX offshore customer service ( in XXXX ) which they advised they had confirmed with the auto dealership where the loan was opened, and that the social security number was correct. I knew this was not true, so I asked the rep for the name of the dealership where the auto loan was opened. The XXXX rep gave me the information and I called the dealership and spoke to the finance manager. He confirmed the Social Security was miskeyed by XXXX. I then called back XXXX and advised them of my investigative findings. XXXX promised a call back and I never received one. Last night the rep stated that I should just get a lawyer, which is a horrible response to solving this problem. I would like to file 1 ) complaint regarding the issue with incorrect SSN displaying on my credit report 2 ) I would like to file a complaint to your executive managers regarding the false investigation that was conducted on your part. 3 ) I would like to file a complaint to your executive managers regarding every representative who promised to call me back but did not. Per FCRA law the item must be removed from my credit report immediately. The customer service that I received from this bank is horrible. All calls are contracted out to a call center in XXXX, and their customer service skills are horrible. I am not even a customer and I am glad I am not.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Tate and Kirlin Assoc
State: SC

Complaint narrative:
I wrotXXXX XXXX XXXX XXXX XXXX a debt verification letter and stated that any communications from that day forward to me is to be done by mail only. This company is still trying to communicate with me by phone instead of mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: AFNI INC.
State: FL

Complaint narrative:
AFNI tried to collect a debt that had been paid. I 've reached out to them and advised them that this account was paid. AFNI removed account from XXXX, but not in XXXX nor XXXX. I have proof that this account was paid even before they reported it to XXXX and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-23 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: NC

Complaint narrative:
I am a cosigner on my son 's loan. I made 3 payments in the last six weeks. {$150.00} on XX/XX/XXXX, {$57.00} on XX/XX/XXXX and {$55.00} on XX/XX/XXXX. All of these payments were made by electronic funds transfer from my bank 's bill pay. The funds have been removed from my account. Navient says they received the {$150.00} but not the other two payments. They asked me to send proof of the transfers. I have sent my bank statement and a copy of the transfers FOUR times. At one time they said they received the {$57.00} but it went to the wrong address so they sent a check back to my bank on XX/XX/XXXX. The bank never received a check. They keep telling me to contact the bank. The bank did its job and can only tell me that the electronic transfer went through. I either want my money back or the money put on my account. I believe Navient has the money and now they have added a late fee I do n't feel I deserve!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BB&T CORPORATION
State: FL

Complaint narrative:
I recently set up direct deposit with BB & T Bank, to receive my unemployment check. The direct deposit took 4 days to clear. Yesterday, i was at the bank to inquire about my direct deposit and the bank rep, XXXX XXXX, called customer service and was told the direct deposit did not even show up in the system. The rep calmed me down and reassured me that today would be the latest. I need the money for my Mother 's XXXXXXXX XXXX and food. Our power and light has been cut off due to not having the funds from my direct deposit. Today, I go to the bank and attempt to withdraw my funds and it seems that overnight, someone put a BLOCK on my ATM card. The bank rep was NOT instructed to block my card, no sort of conversation was ever sustained regarding a XXXX on my card. Due to lack of meds, food, lights, last night I had to have my Mother,  a XXXX XXXX survivor, rushed to the hospital. I believe BB & T has done this before as a form of embezzlement. Either way, I plan to bring a civil lawsuit against BB & T for misappropriation funds. I can guarantee you 'll find more cases like this! If you have 1,000 bank customers with direct deposit or just deposits and u BLOCK 500 cards because you know banks wo n't open and you can gain entrance from the funds in the account, it 's clearly embezzlement! I hope you really do an investigation and help the little guy! Thank you

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 2018-01-23 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Johnson Mark LLC
State: UT

Complaint narrative:
Around the end of XXXX. I think around XX/XX/XXXX. I got served twice in the same month. I got served at home.For two alleged credit card debts from XXXX XXXX. Johnson Mark LLC is the debt collector and they told my attorney that I am being sued for the two alleged debts. They also told my attorney they were hired by XXXX XXXX to represent them. They still state that XXXX XXXX owns the alleged debt and are just acting on XXXX XXXX 's behalf. 

First alleged XXXX XXXX amount is {$2700.00} and the other is {$4800.00}. 

If Johnson Mark states they were hired by XXXX XXXX directly then why these two alleged debts were with two different debt collectors before? On XX/XX/XXXX got a debt collector statement from XXXX XXXX and the other alleged debt got a debt collector statement from XXXX XXXX on XX/XX/XXXX. 

On XX/XX/XXXX my attorney send out XXXX requests to Johnson Mark LLC. Proving they have the rights and truly own the alleged debts. What I have attached is what they sent my attorney as a response. 

This is very troubling for my wife and I. We are not experienced with the whole legal system. It is causing us high stress in our daily lives.

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 2018-01-23 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Home Point Financial Corporation
State: NJ

Complaint narrative:
I am a decorated XXXX XXXX veteran who is tax exempt. Notified the Mortgage company last XX/XX/XXXX yet they paid my taxes anyway. ( took six weeks to get the money back ) Then they lowered my payments to exclude taxes. Last week they paid my taxes again even after being told by the local tax collector not too and put my escrow account in default. Spoke to them on the phone emailed them sent them all of the documents to no avail. Was told by them last Thursday that I am responsible for the escrow deficit. They will not stop paying taxes even the fact that there is not enough money in the escrow account. I do not have the money to make that up and they are going to raise my mortgage payments to make up for the taxes that I do not owe. I do not know how to stop them. Need your help

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
I do not owe this debt. I have submitted paperwork to them for proof. They call me relentlessly after I have asked them to stop. They are unfairly reporting on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-23 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: General Motors Financial Company, Inc.
State: RI

Complaint narrative:
I have mailed 2 checks to GM Financial and neither has been processed. I have tried to reach them by telephone and email but have not been successful.

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 2018-01-23 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: AES/PHEAA
State: NC

Complaint narrative:
I applied for the PSLF ( Public service loan forgiveness ) an act that was established by President George W. Bush which is supposed to offer public servants an opportunity to pay down their loan and have some of it forgiven. The only plan that XXXX XXXX offered me would have me pay for 120 months at a premium and would end up paying the entirety of the loan prior to any being forgiven. At the rate the company required I would have paid off my student loan twice in the 120 months. This was not the purpose of the program and no resolution was offered by the company. This is not how I would expect it to work as a current public servant.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-23 00:00:00
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: FL

Complaint narrative:
BAYVIEW LOAN SERVICING LLC THROUGH ITS CRIMINAL DEBT COLLECTION ATTORNEYS, XXXX XXXX  STOLD REAL PROPERTY FROM ME, THROUGH AN ILLEGAL FORECLOSURE WITH OUT STANDING, PAYING OFF JUDGES TO BLOCK ME FROM .LITIGATING AND DEFENDING MY HOME. TO STEAL WEALTH THIS IS THE CURRENT SITUATION IN FLORIDA THE GOVERNMENT IS IN IT WITH THIS PREDATORY CORPORATIONS IN CONSPIRACY TO STEAL AND DEFRAUD PROPERTY FROM ITS CITIZENS, THEY VIOLATED MY FIFTH AMENDMENT AND FIRST, THEY ARE CURRENTLY TRYING TO SHOT ME UP AND LET THERE CRIMINAL ACTIONS GO UNTOLD AND UNPUNISHED. THE CFPB MUSY OPEN INVESTIGATION AGAINST THESE COMPANIES IMMEDIATELY. AS THEY HAVE NO RESPECT FOR THE LAW AND CITIZENS. AND ARE CRIMINAL THIEVES WHO STOLD PROPERTY AND EQUITY AND THEY HAVE NO TITLE AND ARE TRYING TO SHORTSALE THE HOME SO THEY CAN GET A HOLD OF THE CASH AND RUN LIKE THIEVES THEY ARE. THESE PEOPLE HAVE CAUSED GREAT HARMS TO ME WITH THE HELP OF THE CORRUPT FLORIDA CRIMINAL JUDICIAL SYSTEM. AS THEY ARE ALL AGAINST ME CAUSE I FIGHT BACK AND THEY DONT LIKE THAT, THIS CRIMINALS MUST BE INVESTIGATED AND HELP ACCOUNTABLE, AS THEY ARE THE CAUSE OF THE 2008 CRASH AND CONTINUE STEALING EQUITY AND MONEYS FROM CONSUMERS LEFT AND RIGHT FOR GREED WITH OUT BEEN JAILED.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
The transaction that I disputed at XXXX XXXX for {$2800.00} made on XX/XX/XXXX was a fraudulent charge, not made by me. I was a victim of credit card skimming1 at XXXX XXXX XXXX in XXXX XXXX, New York. I have cooperated with police who have heard of many cases of skimming at the same location I was at. Credit card skimming is done while the card holder is still in possession of their card, so having my card of me while the theft happened can not be a reason to deny my claim. I was also made aware by a Bank of America representative that another reason my claim was denied was because I didnt call quick enough to report the fraud. To respond to this reasoning, the fraudulent charge was made on Saturday, XX/XX/XXXX and from speaking with a representative, I was made aware that charges cant be disputed until they are posted. Being that the following Monday, XX/XX/XXXX, was a federal holiday ( XXXX XXXX ), I was told the charge would post either Tuesday, the XXXX, or Wednesday, the XXXX. 
I initiated the dispute on Thursday, XX/XX/XXXX, a mere one day after I was informed the charge could post. Therefore, a reasoning of me waiting too long to call about the charge can not be valid. 

I have filed a police report and my bank denied me twice for something I did not do and because of it, I am extremely financial hardship that has resulted in me being evicted from my apartment.

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 2018-01-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: TX

Complaint narrative:
complaint XXXXt ditech is trying to use fake documents against me ... .i have the real ones notarised ... .there 's is fake and not notarised ... i have copies of both ... .they are trying to XXXX me out of {$16000.00} ... .they also tried to infect my computer with a virus sent in an email from them ... PLEASE HELP ME ....

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-23 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: FL

Complaint narrative:
XX/XX/XXXX BTC purchase of {$1400.00} Purchase was reversed on XX/XX/XXXX Money was never returned into account. 

XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc.
State: FL

Complaint narrative:
The lender-Caliber Home Loans Inc located in XXXX Texas decided to purchase flood insurance without my permission last XX/XX/XXXX and added the premium to my mortgage. The townhouse flood insurance is already a part of my HOA and the fees are paid monthly. The lender collected additional money to pay for this double coverage for flood for almost 2K a year. I have tried to resolve this with the lender but I was passed on from one dept to another. I need the lender to drop the flood insurance and reimburse the money paid for the last 12 month. The have a copy of the HOA by-laws and indicated clearly that flood insurance is part of the HOA fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-23 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
Bank of America replied to a complaint approximately 2 weeks ago. They did n't provide any individual treatment to the situation. I 've left two messages since the response was left on my VM and no one from BoA will return my calls. I have questions in regards to the solutions that do n't apply to my client. She is the XXXX of a military veteran who had a loan with BoA. The XXXX 's intention was not to keep the property because the spouse could not afford to keep it with two mortgages. BoA is the second lien holder and is refusing to work with the first lien holder unless my client turns over her financial information for them to conduct a loan modification on her instead of the borrower ( who is now XXXX ). My client does n't want to give a bank that she currently has no debt with her financial information because she feels she has a right to her privacy since she was n't on the first or second loan. She is only attempting to resolve the issues of her husband 's estate. BoA is choosing to dig into her personal financial information which may obligate her to pay for a loan she ca n't afford, while the first lien holder has completed the process for a streamlined short sale review ( not asking for any financial documentation from the XXXX ) but BoA refuses to cooperate. Now when I call and submit the account number the call is automatically directed to the person responsible for responding to the complaint but he never answers and has n't returned any of my messages. I 've left at least three. We 've worked out a deal to pay BoA the maximum allowed payment but they are playing hardball to XXXX a XXXX of a XXXX XXXX veteran. It is disheartening to think that BoA wants to punish my client for her husband paying this mortgage faithfully every month until he XXXX  ... even after my client paid the mortgage, without any reduction, until she could n't. If BoA continues to refuse to work with my client and agree to the short sale they will get nothing because the property is underwater and the first wo n't pay them anything. They are willing to accept nothing just to XXXX the XXXX of military veteran and that 's sad.

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 2018-01-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY
State: MA

Complaint narrative:
Called a TD bank rep and they told me that I was not allowed to deposit my own money into an online currency exchange. I demanded they allow me access to my money and they refused

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: BMW Financial Services NA, LLC
State: TX

Complaint narrative:
I 'm a single mother of XXXX. Me and my kids were victims of Hurricane Harvey. We lost everything I contacted BMW Financial to let them know we had been displaced. They offered to push 2 loan payments to the back if my loan. I had to contact them numerous times to send the extension contract for me to sign. XXXX XXXX, 2017 I called in and requested 1 more extension. My company closed permanently because of the damages from XXXX and I just started a new job. The rep I spoke with said it was approved and I did n't have to worry about a payment untill next month. 

They deceived me and reported to my credit that I was late and put my vehicle into repossession status. I was promised a service from this company that I never received. When I call customer service they all give me different answers. I ca n't get a straight answer from anyone. They all have a bad attitude and have been very rude to me. I will never do business with them again and would not recommend any one too do business with them either.

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 2018-01-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC
State: FL

Complaint narrative:
I have a mortgage with Amerihome on a rental property I own in XXXX TN. On X/X/18 they claimed that they had not received an invoice, so I collected the fax number from them and asked my agent to resend the invoice. ( They had previously sent the invoice and breakdown on XX/XX/18 ). Because this policy covers three properties with two loan servicers, the agent explained to the Amerihome insurance department representative that the check needed to be made out to the iinsurance agency, not to XXXX XXXX, and the agency would in turn combine the payments to send to XXXX. Amerihome ignored this request, and sent the check made out to XXXX, who will not accept partial payments. As a result, our policy on all three properties has been canceled, and must now go through underwriting. 
Yesterday my agent called and tried to speak with someone, and was refused service and hung up on. I called today, and managed to get a call through to a supervisor, XXXX XXXX, and had a conference call between he and my agent. She requested that the corrected check be overnighted, and he refused, saying it would take approximately 3 days. Bear in mind, that is three more days that I am left vulnerable and with no insurance through no fault of my own. This seems to me a blatant failure to pay in a timely manner from my escrow account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Perfection Collection
State: GA

Complaint narrative:
This company "Perfection Collection” XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX is has been reporting an alleged debt on my credit file, that is inaccurate and unenforceable. They are a third-party purchaser I notified them in writing on XX/XX/XXXX to remove the information. They are still reporting the debt as open contract that begun in XX/XX/XXXX, when in fact this contract begun XX/XX/XXXX (see attached). In Georgia, written contracts have a statute of limitations period of 6 years from the time in which the debt becomes due and payable and the period runs from the date of last payment (OCGA 9-3-24). The Fair Credit Reporting Act, or FCRA states that most negative items must be removed from your credit report seven years from the first date of delinquency. This account is (14) years old there's hasn't been any payments made on this account since XX/XX/XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation