vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-04-17 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: HI

Complaint narrative:
I had made a previous complaint, #  XXXX  regardi ng SPS, Inc. not sup plying a mortgage note in a timely manner. I have a letter fro m SPS da ted  XXXX   XXXX ,   XXXX   saying the matter would be resolved  XXXX   XXXX   XXXX , by sending a copy of my mortgage note. I called today,  XXXX   XXXX , to ask the status of the mortgage note being sent. I was told a letter would be sent tha t SPS w as still researching, and that SPS should have an answer to me within 30 days. This is not in compliance with wh at SPS o mbudsman said earlier. This delay is causing me a hardship in refinancing my curren t loan. SPS ha s stalled, made excuses and untrue statements to me since I began requesting a copy of my note since late  XXXX  or early  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 2017-04-20 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BBVA FINANCIAL CORPORATION
State: TX

Complaint narrative:
BBVA Compass pr olonged process to deposit insurance check. I received an insurance check to pay for damage to my home. I went to deposit the insurance check at the local BBVS Compass branch, was told I would need to complete pages of forms and mail the check to Alabama processing. After that it would t ake 10-15 d ays to process and return endorsed check. Real ly? BBVA Compass g ets to hold my check for almost a month?? In the meantime I 'm  out $ 12,000+ in  personal funds. Ouch.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-04-19 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: FL

Complaint narrative:
This issue has been with the CFPB many times ( numeral time ) and hopefully this time I 'm requesting a Federal Investigation do to the fact, th at PENNYMAC has  submitted fraudulent documentation to the UNITED STATES BANKRUPTCY COURT  XXXX  DISTRICT OF FLORIDA, this it 's not only criminal offense, but it 's attempts to the defraud the UNITED STATES, UNITED STAT ES DEPT OF TRESAURY, HUD, OCC AND  MANY ORDERS.   IN addition under the STATE OF FLORIDA AND UNITED ST ATES AMERICAN BAR ASSOCIATION AND FLORIDA BA, , ITS A CLEAR VALIDATION OF FLORIDA  RULE 4-3.3 CAN DOR TOWARD THE TRIBUNAL.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-19 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
I have applied for a Mortgage with  XXXX   XXXX . Equifax refuses to give  XXXX   XXXX  my credit report.  XXXX   XXXX  indicates Equifax says there is a credit hold on my report. I call Equifax who indicates there are no holds and no problems. I called Equifax 's mortgage division and it indicated  XXXX   XXXX  used the wrong address and no birthday.  XXXX   XXXX  used the other address and my birth date and they were denied my credit report again indicating there is a fraud hold on my account. Equifax is holding my credit hostage and this company should not be allowed to just do as it pleases without having to answer to anyone. I have had numerous problems with Equifax and its refusal to fix improper reporting in the past, but denying a mortgage company a report is the final straw. I should n't have to hire an attorney to sue them to do what they are supposed to do. These companies need better regulation and consequences for their actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-20 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
i had a bank account with Bank of america for a long time. It so happened that one of my friend owed me some money ( {$8400.00} ) He gave me a check which i deposited it in my account thru an Atm as I was flying overseas that night as my mother had died. when i came back i got a letter from Bank of America that they r closing my account as I have committed a fraud by depositing a bad check and that they r black listing me and i wont be able to open an account with Bank of America ever again. i was shocked by this most stupid letter ever. I tried to talk to them but they said they cant do any thing. they did not close my friends account and he is still operating it although he gave me a bad check. its not that i really want an account with Bank of America its a matter of principal that i have never done any thing wrong and y would they penalize somebody like that.

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 reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
This is a follow up to my first complaint. This name is not my correct name. Look at the incorrect spelling of the last name on the statement and the card they issued. They are reporting it on my credit report as delinquent and as resolved with me at fault. This is wrong. Please help 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 non-monetary relief
Consumer complaint received 2017-04-19 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Consumer affairs division of Equifax has my credit locked. They have requested documentation to prove iden tity 2 wee ks ago which was sent in promptly. Credit report is still locked.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-21 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
There is a Bankruptcy on my credit that is not mine. It is not mine. It is my ex-husband

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: Payday loan — 
Issue: Payment to acct not credited — 
Company: Cottonwood Financial Ltd.
State: TX

Complaint narrative:
Account sold to  XXXX  party and now they are harassing myself and my family. The are threatening violence and jail. Calling all hours of the day each time with different threats. State they are coming after me at my home and place of work.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-20 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc.
State: OK

Complaint narrative:
I am purchasing a home &amp; 30 days prior to closing, my credit is run again and an account with  IC Systems appears as  a new collection account opened in   XXXX   XXXX   for {$530.00}. I called IC  Systems many time s trying to identify where they were getting their information. I knew I had n't opened anything ... I was trying to close on a  home &amp; this  was preventing it. They gave me the line ... '' this is an attempt to collect a debt ' &amp; only wanted to know how I was going to take care of it. I explained this had to be a mistake because I had n't opened anything. They said what they reported they received from the creditor. On another call to IC  Systems, I ag ain try to explain the information they are reporting is not accurate. I again, am given the " this is an attempt to collect a debt '  line &amp;   how would I like to pay '' line and If I do not like what is being reported, I can go through the bureaus and dispute it. On my  3rd  to IC Systems, they again give the " this is an attempt to collect a debt  ' line &amp;   how would I like to pay '' line and I am trying to plead my case to them that the information is not accurate &amp; they are costing me my home. They say if I just go ahead a pay it, they can update with the bureaus over the weekend and it would show paid on my credit reports the following week, as paid. I find this more than frustrating. After more investigating, I discovered  XXXX  collection accounts on my credit report from   XXXX - XXXX  f rom the same creditor equaling the {$530.00} that had been removed in   XXXX  . I called IC Systems for th e 4th tim e and again get " this is an attempt to collect a debt  ' line &amp; h ow would I like to pay '' I am furious because now I know this information is being reported inaccurate for sure. I asked how they could report that information to the bureaus knowing it was false. They again tell me to pay or dispute. I also went online to their website on   XXXX   &amp; filed a complaint there. It said someone would contact me ... still waiting. I then called  XXXX   XXXX  in hopes they would clear this up. The representative confirmed it was from   XXXX   but maybe it was sold or something to another collector. I asked that they change how they reported that &amp; she said they could n't because it was sold ... wow!   No help ... Truly &amp; helplessly unreal!

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: Identity theft / Fraud / Embezzlement — 
Company: SYNCHRONY FINANCIAL
State: CO

Complaint narrative:
I have received a notice from   XXXX   today that a negative issue has affected my perfect  credit score. Evid ently, a " Walmart Credit Card '' was opened in my name with a balance of {$600.00} due. This has now been reported on my  credit score -- which contains ALL accounts which are not only NEVER LATE but have NEVER CARRIED A BALANCE. I have no idea how someone could have opened an account with my information? This is very troubling to me, as I have several credit cards and perfect credit. Someone from this " Walmart Credit Card '' was calling me a few months ago and leaving messages. I in fact, called this number back only to get an answering machine with a LOOP in the message tree. I then reported this phone number to the Do Not Call List and in searching online found that several other people have also reported the number because of someone calling about an unknown " Walmart Credit Card. '' This is very troubling and I hope that someone looks into this carefully to see what is going on.      I will absolutely legal pursue damages against this company if this is not resolved readily.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-17 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: EVERBANK, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
I have gotten divorced and my husband and I contacted the VA in options for what to do so that he could be the only one on the mortgage. The VA advised us to complete a "  Release of Liability '' once the divorce was finalized and I had completed and had a quit claim deed filed. I completed all that, and the  VA advised me that by law, the mortgage company had to remove me from the mortgage due to federal regulations and the fact that they were bound by the laws of the VA. The VA approved my release of liability. I provided all this to Everbank in which they just kept telling me I had to refinance and they refused to use my name.  XXXX  and  XXXX  in  Client Services proceeded to b elittle me and explain what a mortgage was and that I did n't know what I was talking about. They refused to check the VA handbook and just told me that my request was denied. I went back to the VA who provided again proof that they had to remove me, and they are still refusing even though I showed that them that they were required to by law or could face repercussions. They still refuse to remove me, even though the law and regulations say that they have to. Everbank has all the required documentation, including the VA approval letter,  the Quit Claim deed, my  Dissolution of Divorce etc. I am being harrassed to re finance because they want to meet some sales goal or make more money.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-20 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Other transaction issues — 
Company: Paypal Holdings, Inc
State: MA

Complaint narrative:
When I initiate a payment within Venmo for an amount larger than the amount of my current app balance, Venmo leaves the balance in my app account intact and instead debits directly from my checking account. This can cause unexpected overdraft fees, etc. I have opened a number of tickets with the company and they have done nothing.

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: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have an evict ion from   XXXX   that is coming up on my record and it is preventing me from renting an apartment. This eviction was ordered by a judge to be dismissed and sealed from my record in    XXXX   XXXX   XXXX   . Its still coming up on my record and it is preventing me from renting. I am currently   XXXX   with my   XXXX   kids because of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-19 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
Bank  of America ( BoA ) purchased my mortgage seven years a go and has paid my home owners insurance from escrow every year until   XXXX   when they failed to make the payment. The insurance lapsed for non payment. BoA did NOT notify us of this. We had a pipe break after the lapse and when we contacted the insurance company they informed me policy had lapsed for non payment by BoA. I contacted BoA and they acknowledged receiving the declaration from insurance company but could not explain why they did not pay. BoA began changing their story but continued to provide no solution. BoA promises return calls but never has called me. They have done nothing to help with the damage. I call, they tell me to try and get my insurance company to pay. I have wet, sagging drywall, wet carpet and mold that is increasing every day. No response from BoA. This is a crime. Negligence in servicing my loan. Inhumane treatment.

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 2017-04-18 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Specialized Loan Servicing Holdings LLC
State: CA

Complaint narrative:
My mortgage was transferred to SLS  ( Specialize Loan Services ) in  Colorado, from  XXXX   XXXX . Since then there have been nothing but PROBLEMS! First, the claim my home was in BANKRUPTCY and I need to reaffirm the loan ... 100 % FALSE! Second, they claim I have a 40 year mortga ge, FALSE! I have  a 30 year fix that expires in  XXXX  ... third, I can not make payment online like I have for the past 15 years ...  .they ma ke me use  XXXX   XXXX  and my payment is not credited to my account for 15 days AFTER I MAKE THE PAYMENT!!!!! fourth, every month, there is some sort of online computer problem and I cant long on to my account ... .and I spend DAYS trying to get a hold of someone in customer service!!!!!!!!!!! I keep getting the RUNAROUND and NOTHING HAS been resolved!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!

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: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I submitted a dispute in reference to Claim number #  XXXX , which is a tax lien from  XXXX   XXXX   XXXX   XXXX , in  XXXX    XXXX   with TransUnion  credit agency.  In  XXXX  of   XXXX   they completed there investigation and now they are showing that the lien has been paid ; however, they are claiming that the lien is still being reported by  XXXX   XXXX   XXXX   XXXX . I received a letter from the Georgia Departm ent of Revenue  releasing that lien and they stated that they never report anything to any credit reporting agency.   I have requested of Transunion to Please validate this information with  XXXX   XXXX   XXXX   XXXX  and provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my social security number.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-20 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: TD BANK US HOLDING COMPANY
State: MA

Complaint narrative:
On or around   XXXX   XXXX   on Friday the  XXXX  of  XXXX , I called  TD bank a nd I was assisted by a lady name  XXXX   XXXX  which claim herself to be  one  of the branch managers at the location at  XXXX   XXXX  in  XXXX  Ma. I spoke with this lady for abou t 20 minutes tryi ng to resolve an issue I had with my account. In our conversation we had, I explained to her that the  two over d raft fees assessed to my account were a fraud because I had enough money to cover those expenses . First, she lied to me stating that were no fees assessed to my account and when I confronted her three times that the fees were cleared there, she put me on hold for about 5 minutes because she need it to jump into a different computer she said '' after being on hold for about 5 minutes, she came back on the phone and she said that she was able to see the fees I was talking abo ut, but those fees were accurate according to her judgement. I insisted that my account was positive and when those charges coming, I had enough money to cover them. After that, she went on to say that that was the way the bank makes money from customer by tackle them over draft and return checks fees. I continue arguing with miss  XXXX  and told her that what they were doing was a fraud by stealing money from customers. she went on to say that she needed to call her regional managers and she will call me back with an answer. I waited a week for her response, but she never did. It is clear to me that it comes to customer 's satisfaction, she has the minimum experienced to take care customers. I also explained to her that when I opened my account, I signed in to be opt - in meaning they can pay an item even if I do n't have enough fund to cover and I will be assessed {$35.00} dollars over draft fees which I complied with that. But the reality was different with TD bank. Despite the fact, I signed in to be opt-in, they refuse to pay or they chose what to pay just to make money from the customers. For example : I programed a payment and there were not enough funds to cover, they paid it, and then, they pull the money back again so they can have charged me a return check fee over and over again cause the merchant summited the payment 3 times and the 3 times was rejected so they can charge me 3 times return check fees. But also, the merchant charge  me 3 return checks fees because of TD bank actions by not allowing to pay the item. If they would have to pay the item in  the first try, there would have not been so many returns checks fees assessed from both parties. So far, there has been at least  XXXX   XXXX  dollars return checks fees assessed from TD bank fraudulent. I am demanding td bank to return me all the return checks fees that were assessed to my account and to comply with what I singed in to opt -in and they refused to do it.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-19 00:00:00
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: SUNTRUST BANKS, INC.
State: GA

Complaint narrative:
Sun trust bank is charging me over draft coverage charges. I have no overdraft coverage on the account and have file complaints in the past about this illegal practice. Further, there should not have been any over drafting because ample money was in the account on the day in question,  XXXX / XXXX /  XXXX  . I personally electronically transfer money from my  XXXX   XXXX  account to the Sun trust account before  XXXX  on that day.     There was no over draft because I do no have over draft coverage. If there is insufficient funds then the transaction should be denied. However there where sufficient funds.

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 — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: TENET HEALTHCARE CORPORATION
State: GA

Complaint narrative:
Recently I sent a letter to Central Financial Control asking them to validate a debt that was listed on my credit report. In response, I was sent some documents with my information typed in, with a signature and initial that is not mines. Also, this company seems to have some of my medical records without a medical release form or any type of authorization from me. I believe this violates my privacy according to HIPPA. When I contacted Central Financial Control about my findings, they confirmed that it was not my signature based on a copy of my Driver 's License they received from  XXXX   XXXX   XXXX  ( Original Creditor ). Also, with this proof, Central Financial Control refused to remove it from my credit report, stating that they have no way of doing so unless the account is paid in full. I then contacted  XXXX   XXXX   XXXX  about this debt and was told that they could not assist me because the debt in questioning was sent to collec tions ( Central Financial Control ). I feel that I  am being treated unfairly as well as forced to pay a bill that I had no knowledge of and by pending someone else paperwork and signature of acknowledges on me.

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