vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-04-19 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Freedom Mortgage Company
State: NC

Complaint narrative:
I purchased my home a little under  three years ago. The purchase price was {$250000.00}, I made a {$2 0000.00} down payment and now owe {$190000.00}. I have over 20 % equity. I have never made a late payment and I have an  XXXX   credit score. De spite all facts abo ve Freedom  Mortgage refuses to cancel my PMI. I have submitted several written requests, made several phone calls and exhausted all options I am aware of. They keep denying my requests with no attempt of providing an explanation. They only answer I have been able to obtain is that the decision is made by a team of people I ca n't talk to. Please help.

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: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Seterus, Inc.
State: FL

Complaint narrative:
your company failed to provide the required notice of additional required documents within  five ( 5 ) business days in violation of Regulation X, 12 C.F.R. 1024.41 ( b ) ( 2 ) ( B ). Therefore, this client 's application is entitled to be treated as facially complete pursuant to Regulation X, 12 C.F.R. 1024.41 ( c ) ( iv ).

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 2017-04-18 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
On  XXXX / XXXX /  XXXX   my bank charged me an NSF fee for charges that had not posted yet. The day before I had nothing pending or posted, woke up to NSF fee and when I called the rep stated there were pending items. Even if it had posted  ( which  it had not ) I was only {$1.00} short. 3 days later, an extended overdraft fee was added! Called to talk to rep, she did not help said she would get a supervisor. I waited so long I gave up and hung up.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-04-21 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: American First Finance, Inc.
State: CA

Complaint narrative:
my loan through  American first finance  who I did n't know was a long provider has not given me the contract is alone nor have they provided me account number axis to any of my nation I initially got them from the furniture store without even realizing who the buyer was going to be I just recall been approved for {$3000.00} I have since paid {$2400.00} into this loan and come to find out I owed {$3200.00} still because I 've only paid in interest which is right seems pretty illegal to do to me I have no information regarding this well at all I want to resolve this issue I want is taking off then I called in and asked for the pay off in my pale keeps increasing making it impossible for me to pay it off I need help resolving this issue and getting it off my credit report is settling this debt that I no longer care to have this is an unsecured debt according to my credit report

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-18 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: WAKEFIELD & ASSOCIATES, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX is attempting to collect debts from me.I never established a contract with this company. A debt collection company has no legal right to collect a debt from me because they purchased a debt. They are also in complete violation of the FCRA law.

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: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: SIMM Associates, Inc.
State: NH

Complaint narrative:
Calling me at work. These calls are not allowed and they will not stop. Use fake names.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-19 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
When I called Bank  Of America to d ispute  one of  the charge on my account, the lady nam e   XXXX   XXXX  ??? ( She told me she does not have working ID, I ask to speak to a super adviser then she told me she is the SUPER ADVISER  ) told me there are   XXXX   transactions  XXXX  on  XXXX   XXXX  for {$780.00} another   XXXX   on  XXXX   XXXX  {$21.00}. I told her I did not authorize the current  XXXX  which is {$780.00}. But she told me she can only dispute   XXXX   on  XXXX   XXXX  {$21.00}. She said " Let me explain to you how dispute works, since you did not authorize this service, we have to only dispute the   XXXX   XXXX   ''. I told her the   XXXX   XXXX     on  XXXX   XXXX  only {$21.00} I do not care about that one. Then I told her double times again " I did not authorize current   XXXX   on  XXXX   XXXX  {$780.00} ''. Her answer is unacceptable : '' No sir, you do not know how dispute works, I know {$780.00} is a big benefit for you, but I can only dispute the one on  XXXX   XXXX  {$21.00} " Seriously Bank  Of America, it is benefit you, not benefit the customer who deposit their money in your Bank ( Do not forget customers pu t the money then you use the money to grow your business ). WHAT A  FRUD  BANK,  XXXX  A BIG JOKE. BASICALLY, YOU CAN DEPOSIT MONEY IN BANK OF  AMERICA  ANYTIME, BUT WHEN YOUR MONEY GONE FROM YOU ACCOUNT WITHOUT YOUR AUTHORIZATION THEN BANK  OF AMERICA NOT BE RESPONSIBLE FOR THAT. IF THEY DO THEY WANT TO CONTROL ONLY BENEFIT BANK OF AMERICA NO T THE CUSTOMERS. THIS IS HORRIBLE SERVICE AND THEY ARE MISTREATING THEIR CUSTOMERS. ALSO I AM A FOREIGNER, SO BANK O F AMERICA VERY    XXXX   TO TREAT A FOREIGNER PERSON!!!

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: Credit card — 
Issue: Closing/Cancelling account — 
Company: Bread Financial Holdings, Inc.
State: LA

Complaint narrative:
I applied and was approved for numerous Comenity Bank and Comenity Capital Bank  Cards. S ome were even pre-approval pop ups when I visited some of the websites. The bank closed ALL of my accounts. No notice or anything. I have not even received a letter stating why the accounts were closed. My credit scores have dropped tremendously since the closures and the inquiries are still there. I even got letters in the mail to call and verify my idenity and after doing so, was immediatly approved for the cards. If they did n't want me as a customer they could have simply denied me credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC.
State: MA

Complaint narrative:
I took out a federal funded consolidated student loan to put my son through college. My initial loan in  XXXX   XXXX ,  XXXX  was for {$120000.00}, now on  XXXX   XXXX ,  XXXX  is {$130000.00}.   Also, in total I had a  XXXX  loan,  XXXX  loan and  XXXX  loan. I paid off the  XXXX  and  XXXX  loans totaling approximately  XXXX . I would like to know how the loan increases and not decreases. I do n't mind paying off the loan for a college education, but paying an additional {$170000.00} in interest is ridiculous. I have written for  XXXX   XXXX   ( Navient ),   XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX  US  Department of Education,  XXXX   XXXX   XXXX , Congressman  XXXX , Congressman  XXXX , Presid ent Barack Ob ama and the   XXXX   XXXX   XXXX   with no help, just automated letters received. I went to   XXXX   XXXX   to see if I could apply for a loan and an interest adjustment and they told me that because I did not have a college education, they could not give me a loan. My wife and I are middle class and struggle every month to make a payment of {$1000.00} for this student loan. My son also has his own loan with  XXXX   XXXX  for $  XXXX . He lives on his own out of state and struggles to pay something every month, and is constantly being harassed by them.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-19 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX   XXXX   is fraudulent someone used my i.d that knew me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-21 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: TD BANK US HOLDING COMPANY
State: NH

Complaint narrative:
In   XXXX   XXXX   XXXX   filed   XXXX   XXXX   XXXX   Bankruptcy. I continued to make monthly mortgage payments of {$580.00} to   XXXX   XXXX   for my first mortgage. I was not notified by my attorney or   XXXX   XXXX   of an increase in my mortgage payment to  XXXX  as of  XXXX  of  XXXX  and continued to pay {$580.00} monthly. I paid all mortgage payments directly to  XXXX  Bank by electronic transfer from my personal checking account during the bankruptcy. In a certified mail dated  XXXX / XXXX / XXXX , I received legalnotice from   XXXX   XXXX   demanding {$1900.00} alleging that their records showed my account  XXXX  payments overdue. At that time  XXXX  Bank had " unapplied funds '' that I paid that were not credited to my mortgage account. A  XXXX  Bank statement dated  XXXX / XXXX / XXXX  states that I owed {$1300.00} due before  XXXX / XXXX / XXXX . I sent payments of {$700.00} on  XXXX / XXXX / XXXX , {$630.00} on  XXXX / XXXX / XXXX  for a total of {$1300.00}. A letter from  XXXX  dated  XXXX / XXXX / XXXX  states that as of  XXXX / XXXX / XXXX  my new payment amount was {$600.00} and requests an additional payment of {$520.00} by  XXXX / XXXX / XXXX , which was  XXXX  weeks before the date on the letter and  XXXX  weeks before I received the notice. I have also been charged a number of " late fees '' and  XXXX   XXXX  by property inspection '' fees for which the bank has not provided an explanation. I have called the bank several times, without a resolution of this issue. They said they would call me back.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-20 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: REGIONS FINANCIAL CORPORATION
State: GA

Complaint narrative:
I received a check from  XXXX   XXXX  for approximately {$7000.00} for vehicle repairs. The check was made out to myself, my wife and the body shop where we received an estimate.   My wife and I had not made a final decision regarding the repairs. We had planned on finding a more competitive estimate.   We deposited the check in to my  Regions Checking Ac count. Regions not only froze the check ... but my entire account. They told me it was improperly endorsed due to the fact that the body shop had not signed the check. This has been going on for ove r 3 week s. According to  XXXX   XXXX  ... Regions has CASHED our check. The insurance company is willing to re-issue the check but must get it back from the bank first. Regions is refusing to return it and telling me I must physically bring a representative from the body shop in to the bank to endorse. Once again ...  XXXX   XXXX  is saying the CHECK HAS BEEN CASHED. It would appear the only party benefitting from the insurance settlement is REGIONS BANK at this point. I want regions to clear that check ... and deposit in to my account and stop holding my money  hostage. They  should not have the right to CASH the check and hold the funds. If there was a problem ... they should have returned the check NOT cash it and HOLD THE MONEY earning interest. This is upsetting to me and I feel like the bank has overstepped their powers ... and is acting like they get to decide things they have no jurisdiction over. Give me my money. I will worry about the body shop and state farm and my personal business.  Three weeks  is ridiculous. Time to move on. If there was concern about the endorsement ... enough time has now passed to clear the check. Please contact  XXXX   XXXX  at Regions Bank in  XXXX , GA.

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: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I have XXXX hard inquiries on my Equifax credit file that I clearly did not authorize. I asked the agency to provide me with proof multiple times and each time the say verified which I know they did n't. These are the inquiries XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX  10/4/2016, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX and XXXX XXXX. Please remove.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-19 00:00:00
Product: Debt collection — Medical
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
I receive frequent calls from  Portfolio Recovery Services.  While I was willing to talk with them at first they began to call so frequently and began to try and guilt me into paying a debt I explained I could not afford that I was forced to block them. They continue to call me nearly every day from a new number.   At one point, they called so frequently that they called within five minutes of my phone being reactivated.
I have ten or eleven phone numbers blocked from them sinc  e   XXXX   alone. There is always a n  ew one, with a new area code to disguise who they are.
Additionally, I have been insulted in their aggressive attempts to collect, one caller go  ing so far as to accuse me of " living off the system '' when I explained I was not married and did nor work and so I could not make a payment on what was a medical credit card debt. I am a student.     I have been criticized and pushed when I have explained my inability to make a payment, to the point I have had to hang up to be left alone. I have been shamed for not being able to do a payment plan like they want me to and I have been reprimanded like a child for being too busy getting off a flight to visit family for  XXXX  to call them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-21 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Portfolio Recovery Associates, LLC
State: IL

Complaint narrative:
The collection agency is trying to collect the debt I did not own despite my dispute to the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-19 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
In   XXXX   XXXX     I received a letter from  XXXX   XXXX  stating they were collecting on my  JCP credit c ard account with balance due of {$640.00}. I responded back that had an active and current account with  JCP and perhaps there was fraudulent activity. The response back demonstrated that JCP was sending bills to a ve ry old address in another state even though they had my correct address on my active account. I often shop without my physical card and it is possible the cashier charged my purchase to an old account that apparently was still open. I responded that while I could not definitely dispute the purchase, I did not feel is was fair to pay fees and charges for past due billing that was never properly sent to me. I offered to settle for the amount of the purchase and requested that my credit history be corrected since I was never given a fair opportunity to make payments. In   XXXX   XXXX     I received a letter from  XXXX  saying they were no longer pursuing collections. I have not received any further communication and assumed JCP was not interested in receiving a settled amount and that my credit history was corrected as requested. I recently found that  JCP  still reported me as a Charge-Off and I have   XXXX  d elinquent payments reported. This is impacting my  Credit Score  and my opportunity to obtain a  Home Equity Loan . I do not know how or why I have  XXXX  account with  JCP but  this seems unfair to me. I confirmed with Synchrony Bank they received my dispute last year and they never completed an investigation.  I hope CFPB may be able to i ntervene on my behalf.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-04-20 00:00:00
Product: Debt collection — Auto
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: Miller, Stark, Klein and Associates
State: GA

Complaint narrative:
I received a phone call from  Miller Stark Klein and Associates . A representative by the name of  XXXX  contacted me about a charged off account  for   XXXX   XXXX   auto  loan. He informed me of the debt owe and gave me options to pay  XXXX  lump sum or set up a payment plan. As I tried to get more information about the payment, the representative became very rude and aggressive ; which resulted in him disconnecting the call. I contacted the number and requested to speak with a supervisor. I spoke with  XXXX   XXXX  and she listened to the call. After assuring me the employee will be " dealt '' with, she proceeded to offer a lesser amount towards the debt owed. I agreed to pay the amount, in good faith and in hopes of not getting sued, fined or prosecuted. Weeks later, I began getting calls from another company stating they are calling to collect a debt for the same charged off account. I began to do my research because things seemed a bit odd and I find out  Miller Stark Klein  had no legal rights to my account. This has caused majo  XXXX   XXXX   because I 've had to go back and forth with companies about who 's the actual debt collector ; and I had to file a dispute with my bank. This company is using scare tactics to retrieve money on charged off accounts from   XXXX   XXXX   XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-04-21 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
This complaint involve s Ocwen Bank.  My mother and her partner owned a home in  XXXX  Arizona. My mothers partner died over   XXXX   XXXX   XXXX  . My mom died   XXXX   XXXX   XXXX   I am the successor trustee for my mom. I have since   XXXX    tried  to get Ocwen to change the mailing address and get me information on the mortgage so we can pay them. My mom paid on line so did n't receive mortgage statements. I have provided on numerous occasions all documentation showing both parties died and that I am the successor trustee of my moms trust as well ad death certificates. They refuse to change the address or to give me any information. The home is vacant for 4 months. Ocwen will only accept faxes, no e-mails or other communication allowed. They say after the fax is received, they will contact you within 3 days, but it usually takes about  XXXX  weeks. The folks working for  Ocwen  including managers are like robots and they repeat the same arguments that I am not entitled to any mail nor any information on this loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-18 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: TOYOTA MOTOR CREDIT CORPORATION
State: IL

Complaint narrative:
I returned a leased vehicle to  XXXX  on  X/XX/XX , before the lease through   XXXX   XXXX   XXXX    matured on  X/X/XX . Dealer reviewed vehicle and did not see any damage, however said a third party reviewed all vehicles upon return and would do so in the next week.   On  X/XX/XX  a check was issued and mailed to my correct address from   XXXX   XXXX   XXXX   for {$530.00} in over payment after satisfactory completion of the lease and return of the vehicle.   I did not receive any further correspondence in regards to the lease from either   XXXX   XXXX   XXXX    or  Toyota Motor Credit Corp  for all of   XXXX  . On  X/XX/XXXX , I received a letter in the mail ( dated  X/XX/XX  ) from   XXXX   XXXX   XXXX   XXXX    ( a debt collector ) w hich said I owe {$1500.00} to  Toyota Motor Credit Corp and said " your leased vehicle was returned and your account balance may consist of one or more of the following charges : unpaid lease charges, mileage and/or wear and use over and   above the allowed by your lease agreement ''.   I contacted both   XXXX   XXXX   XXXX   and  XXXX   XXXX   XXXX  and inquired about the letter and also why I was receiving notification of any supposed issues 13 months after the vehicle was returned with no communication in the interim other than the refund check I received from   XXXX   XXXX   XXXX   for satisfactory completion of the lease. A   XXXX   XXXX   XXXX   representative said additional correspondence was mailed - however they notice it was mailed to another address in a different state. The representative also said now that the matter was with a debt collector they will not provide that correspondence and I must work with the debt collector.   I contacted  XXXX   XXXX   XXXX  and their representative was just extremely rude, said they just received the file, do not have any of the correspondence, but the debt is mine and demanded payment and that I tell them how I will pay.   Very frustrated with both organizations. I was issued a refund check, received no correspondence for over a year, and now am being told I owe {$1500.00}. I also know for a fact there was nothing wrong with the vehicle when I returned it and the milage was well below the amount allowed under the lease terms.

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