vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-11-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Utah System of Higher Education
State: CA

Complaint narrative:
I am being harassed by XXXX ( XXXX XXXX XXXX XXXX XXXX ). I have told them that I am dealing with the forbearance request and to stop calling me. They call me on my cell phone 3-4 times per day after I told them to stop. Sometimes when I answer the call they just hang up on me. I am very frustrated with this distraction in my life and wish they would stop harassing me. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-17 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: MORTGAGE SOLUTIONS OF COLORADO
State: CA

Complaint narrative:
Sometime in XX/XX/XXXX, I was contacted by XXXX XXXX via U.S. mail offering a home refinance using the VA IRRRL program. The final discussion between the two of us was that the refinance will be done thru Mortgage Solutions of Colorado. On XX/XX/XXXX Mortgage Solutions emailed me a Closing Disclosure. I did not agree to the monthly mortgage amount so I called XXXX and told him that I did not like the amount. On XX/XX/XXXX Mortgage Solutions emailed me another Closing Disclosure with a smaller monthly mortgage. My wife and I signed that Closing Disclosure. On XX/XX/XXXX XXXX emailed me a copy of the same Closing Disclosure that my wife and I signed. 

In XX/XX/XXXX, I received a mail from Mortgage Solutions increasing my monthly mortgage plus a shortage amount for the duration of the home loan. 

In XX/XX/XXXX, I found out from XXXX that Mortgage Solutions did not impound my homeowners insurance which led to XXXX cancelling the insurance that I purchased. Because of the lapse in the in the insurance dates, my homeowners insurance went up. 

The reason I refinanced is to have a lower monthly mortgage. My monthly mortgage is much higher now and it went up further because of increase in homeowners insurance. 

I think that Mortgage Solutions played with the numbers in order to gain my business initially. They should also be responsible for the increase in my homeowners insurance. 

I have referred this problem to another government agency. They were not able to help me and referred me to your office. 

Sincerely, XXXX XXXX, XXXX. 
XXXX XXXX XXXX. 
XXXX, CA XXXX ( XXXX ) XXXX Loan # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX Mortgage Solutions of Colorado XXXX XXXX XXXX. 
XXXX XXXX, CO XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-11-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: DriveTime
State: OH

Complaint narrative:
I was sold a vehice by drivetime and XXXX XXXX-upon trying to switch insurance companies I discovered that my car has a salvage title which was not disclosed to me in any of my loan documents and nor does it show in the banks system according to drivertime and XXXX  I have spent over an hour on the phone with both companies and nothing has been offered to me except for an image of my title and they told me to take the matter up with the XXXX. Drivetimes address is XXXX XXXX XXXX XXXX XXXX, XXXX, Az XXXX please help me at this point I feel powerless and they are not helping 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 2017-11-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: EVERBANK, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
CONCERNING LOAN # XXXX EVERBANK Shortly after the loan was closed in XX/XX/XXXX,  I received 2 or 3 XXXX packages containing letters and documents making changes to the Closing Disclosure. I HAVE THE PAPERS DATED XX/XX/XXXX, but I am unable to find the one or two others. I need them. I have called Everbank 3 times and have received wrong documents twice. I have received no response to my recent email. 

Also I have filed 2 previous complaints to cfpb about obtaining the loan. Due mianly to my loan office 's incompetency, I got stuck with an ARM, at age XXXX, due to the % of renters in the condo complex being too high. I recently got notice from the HOA that the % of owners is now over 50 % making it easier to get a 30yr fixed. I would like a 30 yer fixed loan

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO

Complaint narrative:
I disputed 2 accounts opened in my name with Capital One credit Cards. Never received any validation or signature opening this accounts in my name. Capital One deleted both accounts. I received a alert today they put them back on my credit without any notification. They never provided me with validation or a letter by law I am required to receive when a debt is being re-entered on the credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Byrider Franchising, LLC
State: GA

Complaint narrative:
I 'm the creditor FULL DISCLOSURE was not said and once he got my XXXX signature WITH MY XXXX SOCIAL THE DEBT WAS DISCHARGRED SO Y IS DIS XXXX  ASKING ME FOR MONEY THATS DOUBLE DIPPING ON PPL ENUFF TO MAKE ONE MAD TO GET YO XXXX THO dats no longer my debt he is debtor and holder in due course my contract even has a promissory note I signed already u XXXX XXXX XXXX drop XXXX XXXX MY GOLDEN XXXX SIGNATURE PAID FOR XXXX XXXX XXXX XXXX AND Y'ALL NO IT a flight to XXXX  mite sum it all up for XXXX with me the wrong XXXX way anthting happen my fee schedule runimg XXXX keep playing tho.. I want my XXXX and not scared of no XXXX XXXX police 's no recorded line no false tactics the lies and XXXX  y'all do and I 'm retired vet and dis the XXXX thanks I get that 's XXXX ... it 's all fake and fraudulent BUT I 'M A NATURAL PERSON GOSE BY XXXX LAWS BUT YALL XXXX NOT BUT ON OUR EARTH LAND WITH DAT XXXX substantial law to get positive I got y'all XXXX with this lien and u got XXXX to give me my XXXX or else I will run XXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-17 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: IQOR US INC
State: FL

Complaint narrative:
The alleged company Allied Interstate, LLC is calling me every single day for months. They call XXXX times a day and as early as XXXX and as late as XXXX. They have called me during job interviews. They never leave a message and are basically harassing me. I told them I think it is illegal to call that many times DAILY, but they said nothing. I have lost my job, I struggle with health issues and I can not pay the loan payments right now and I told them that. I will as soon as I can. PLEASE make them stop harassing 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 2017-11-17 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have been paying for Equifax Complete Advantage Plan monthly for a couple of years in an effort to monitor and correct errors which I knew existed on my Equifax report. The errors on my Equifax report include accounts that are not mine and several names and addresses associated with my Social Security Number which are not mine. I have attempted on at least 4 occasions over the last year to dispute the information and get them to fix the information by following their online dispute process. I have received emails indicating that the dispute investigations were complete, and that I would need to login to the Equifax site in order to review the results. But I could not access the information on the site because the security questions I am asked to complete are not associated with my records ; they are associated with the records of the people whose names are erroneously being reported on my Equifax report. The mess they have created has made it impossible to resolve the issues online. As a result, I have tried calling them to resolve the issues and have been transferred from one department to another and to another. No one at any of the departments knows how to resolve the problem and no one ever reaches out to me to try to resolve the problem. Back in XXXX of 2017, I took a day off from work to contact them by phone. After hours of trying to get to the right person, I spoke with a supervisor who assured me changes were made, but I am now paying for another service ( XXXX  XXXX ) and I can see that the erroneous names are still there. Additionally, I am now receiving pre-approved credit offers in the mail for one of the erroneous names on the report and I am concerned that someone on my report will start opening the pre-approved credit accounts and complicate my report further. This is such flagrant incompetence and/or a scam on behalf of Equifax to delay the resolution and continue to receive my monthly payment. They appear to have no interest in fixing the report. 
My next steps will be to get attorneys involved. I can not continue to waste time with their incompetence and lack of resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-17 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
On XX/XX/2017, I reached out to PayPal to obtain account statements for the account I had with them that I have since closed. They informed me that there is no way to access any of my previous statements or account activity because the account is closed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: UT

Complaint narrative:
My loan has reached below XXXX XXXX of the original loan value and I 've been trying too get the pmi removed for months. My first letter was sent months ago and they advised I would need a valuation on the home. I called asking if the pmi would go off my loan automatically and at what point or if I would always need a valuation. They person I spoke with in customer service advised that once the loan was below XXXX XXXX of the original value that it would come off. They sent me a list of ever payment and what that would bring my future balance to. Based off of the information they provided I chose to wait three months for my balance to go below XXXX XXXX of the original value. I called in again and was told that I could get the pmi off, but to send a letter. This letter was sent in early XXXX informing sls that my loan was now below XXXX XXXX. I just received a response to that letter asking to authorize a valuation. Since this contradicted what sls had avised previously I called on XXXX XXXX to discuss. I was advised during that call that all they needed from me was my signature on the letter. I even clarified during that call that they did n't need the valuation form signed. She told me if I faxed it in that day I could call in on XXXX to get an update on the status. I called back in on XXXX  XXXX XXXX and was told by supervisor XXXX that they would notify me in XXXX days and that they were probably just going to send me the valuation form again. I 've been sent in circles and sls is now costing me hundreds of dollars because of there misinformation. 

I would like confirmation on if my request will be honored or if the will be requiring a valuatuon. If a valuation is required I will need this to be at the expense of sls as their company has been providing me miss information causing me to incure hundreds of dollars in pmi that is n't required on my property any longer.

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 2017-11-17 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: NJ

Complaint narrative:
I have been receiving phone calls at my job and my cell phone every day four to six times a day. The young woman will give me her first name only not the name of a company. Then she will ask me if she can transfer the call to someone else who wants to speak with me about a personal matter. I decline and tell her to stop calling me and take me off whatever list they have.Then she calls right back stating she is someone else and she is attempting to collect a debt. I tell her again to stop calling me then she says she will call my job again. And she calls again. All from different XXXX and XXXX area code numbers. 
HARASSMENT IS NOT A FITTING WORD FOR THIS BEHAVOIR.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-17 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
My 12 months promotional monitoring service with Equifax expired on XX/XX/XXXX and I did not receive an email notification informing me of the change and new charges. When I signed up for the promotional service, I requested to be notified before switching to the regular service ; being doubled charged. When my credit card displayed the charge of {$16.00}, I immediately called Equifax and informed them that I did not authorize the charge and did not receive a notification of the change. The first Representative told me they no longer send out email communication. I then requested a Supervisor who informed that the email was sent on XX/XX/XXXX. I told him I checked both SPAM and my emails, the notification did not come into my box. I even offered to send him details ; a search query showing all my received emails from Equifax in my inbox and SPAM. Although, I am currently disputing the unauthorized charge with my credit card company, I would also like to file an official complaint against Equifax for their lack of customer service - submitting an unauthorized charge and unwillingness to correct the problem by reversing the {$16.00} fee. I was told by the Supervisor ( XXXX # XXXX ), I could speak with the email department and file a complaint, but he could not reverse the fee. The charge is a monthly service fee for service I will not be using. Although, I closed the account on XX/XX/XXXX and have no interest in continuing the monitoring service, they are forced to keep it open until next month to justify not refunding the monthly fee - account shows it expires on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-17 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH

Complaint narrative:
My name is XXXX XXXX. My wife is XXXX XXXX. We have a HELOC with Bank of America. They raised the amount to be paid on the loan by {$1000.00} a month to {$2400.00} a month. We 're trying to sell the home now. We submitted a qualified written request to Bank of America asking for load documents and appraisal documents on XX/XX/XXXX. We also breached the idea of a short sale, having them modify the amount due. 
They have not responded as of this day XX/XX/XXXX. Our understanding is that they have 60 days to reply. 

We have the house on the market but there is no way we 're going to be able to cover the amount of the HELOC and the first mortgage with the price it will sell at. Also we believe that Bank of America did not do a proper appraisal when they gave us the HELOC.
The HELOC amount is approximately {$160000.00}. The 1st mortgage is with XXXX and it is for {$140000.00}. My wife and I believe the house will sell quickly for between {$280000.00} and {$300000.00}

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 2017-11-17 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: LJ Ross Associates
State: MI

Complaint narrative:
I keep getting phone calls from XXXX but no one says anything when I answer. They just sit there and then hang up. It 's getting annoying especially when its ' multiple times a day.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
My Union Plus credit Card ( now under XXXX XXXX umbrella ) representatives have told me twice that I can not pay down my high interest ( Cash Adv 14.99 % ) until I pay down my low interest first ( 11.9 % ). They stated this with no unclear terms stating that this was the allocation method of my credit card. I recorded the second call in full to prove that they are misleading me and therefore other consumers. I have been paying other credit cards with lower interest rates first because of their misleading feedback. In this recorded call, the supervisor claims that this must be an " educational error '' and will address the managers. However, for 2 representatives to claim definitively that Iower rates must be paid first leads me to believe they are prompted by the company to mislead consumers so they continue to make maximum profits. The supervisor assured me that they were wrong and that any payment WILL AUTOMATICALLY be applied to my highest interest balances. I am going to make a payment above the minimum to verify that it does. If not, I will make a second complaint and escalate the problem as best I can.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-17 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: AmeriCollect
State: WI

Complaint narrative:
I am writing in regards to a notification I received today XXXX/XXXX/2017 on my credit reports. A collection was added to my reports and I want it removed immediately! The company is Americollect and the amount is for {$170.00}. I have never heard of this company and I do not owe them any money! I never received a dunning letter in the mail to dispute this matter. I want this inaccurate information removed from my credit reports immediately!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-17 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
I disputed this debt XXXX 2016 and it was taken off my XXXX  credit report and now they put it back on my credit report without sending me a letter stating I owed the debt giving me the opportunity to reply. This is not a loan it is a pell grant that does n't have to be paid back.

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 2017-11-17 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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Verbal agreement with a third party debt collector ( XXXX XXXX XXXX ) to pay an account in full and they would remove it from my credit reports. I paid them in full ( {$190.00} ) on XX/XX/XXXX and after over a year the tradeline is still reporting on my TransUnion & XXXX  Reports. They have continually fought against removing the tradeline even though they originally agreed to do so. Disputes with all three credit bureaus led to only XXXX deleting the tradeline. I filed a complaint here with the CFPB and their response was " CFPB referred complaint to the Federal Trade Commission on XX/XX/XXXX. '' I have also informed XXXX XXXX XXXX, Tranunion, and XXXX that they are all in violation of Texas Finance Code Section 392 which states : ( a ) A third-party debt collector or credit bureau may not engage in debt collection unless the third-party debt collector or credit bureau has obtained a surety bond issued by a surety company authorized to do business in this state as prescribed by this section. A copy of the bond must be filed with the secretary of state. 
( b ) The bond must be in favor of : ( 1 ) any person who is damaged by a violation of this chapter ; and ( 2 ) this state for the benefit of any person who is damaged by a violation of this chapter.
( c ) The bond must be in the amount of {$10000.00}. 

The TDCA applies not only to professional debt collectors, but also to any person who directly or indirectly engages in debt collection and includes a person who sells or offers to sell forms represented to be a collection system, device, or scheme intended to be used to collect consumer debts. TEX. FIN. CODE 392.001 ( 6 ), MEANING TRANSUNION & XXXX

Company response to consumer: Closed with explanation