vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-04-20 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
I have a sale date of  XXXX / XXXX /  XXXX   while working to get a loan modification. I was previously told that the foreclosure was placed on hold but now suddenly they have  one sche duled days before. The person that has been assigned to my file,  XXXX   XXXX , was requesting for some documents days before the scheduled date. I was able to provide them the same day via email. Days later after the  3rd pa rty that i am working with provided them the documents, the notes state that  XXXX   XXXX  is requesting the same documents the day before the foreclosure sale date. I dont want to lose my home over some negligence of processing my documents on time. I was told today that the sale date is still scheduled for tomorrow and of course I am unable to get a hold of  XXXX   XXXX . Please help me as I do not want to lose my home.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-21 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
A tax lien was issued in   XXXX   while I was  XXXX  years ago with the state of Georgia. I was stationed in California but will still paying Georgia taxes and was away on  XXXX . It was handled upon my return via certified mail with payment. It was stamped released and I was told that it would be removed from my credit report. However, it is still being reported by the Credit Bureaus. I have attached a screenshot from the Georgia Departmen t of Revenue. I was  told to try this route for help.   Thanks in advance.

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 2017-04-18 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: REGIONS FINANCIAL CORPORATION
State: GA

Complaint narrative:
I deposited a check at my Bank  's ( Regions Bank ) ATM  on the  XXXX  of  XXXX . This check was an insurance check that was issued to me  by my Insurance co mpany -  XXXX . The check has my vehicle finance company on as lien holder which requires their endorsement. This was the  first  XXXX  party ch eck I have ever received and I had deposited without the lien holder. I reached out to my Insurance company  XXXX  to see if they can cancel the check and re-issue a n ew one tha  t  I can get proper endorsement from my lien holder.  XXXX  informed me that Regions has taken the funds from their account and currently possess the funds, as such, They can not cancel the initial check and re-issue another  one. My B ank sent me a letter advising that they will make my funds available after    XXXX   days on th e  XXXX  of  XXXX . This was extremely disappointing and I cou ld n't imagine why  my bank would hold my funds for more than   XXXX    days. Today is  XXXX   XXXX  (    XXXX   XXXX   days aft er my deposit ) and I still have not received my funds from Regions. Regions Bank have treated me and my family like  XXXX , they could care less what financial or emotional impact their terrible treatments have on their clients. At this point I feel completely powerless and I am hoping that the CFPB can help to get my funds from Regions immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-04-20 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: AES/PHEAA
State: IN

Complaint narrative:
My private loans are serviced through AES. I lost my job in  XXXX  and have been struggling to make my payments. I was finally able to file for a loan modification. After spending {$45.00} to overnight the information ( which wa s 50+ pages ), I was to ld that not everything was turned in correctly and that they needed more information. I called  FOUR different times, talking to FOUR different representatives that all told me something different on what other information I needed to send in. I was assured that the information I sent in the last time was correct. While still waiting to find out a decision I called tonight and was told once again that I did n't have the correct information, which now it is past the 10 day period to turn in additional information and I 'm being told I would have to start all over. While in this state of trying to get my payments lowered, they have since increased my payments again. I have no idea how I am expected to pay almost {$600.00} a month when I am not working and only have my husbands income. It is so frustrating to do everything you are told to do and still they find another excuse on something that was not turned in. For example, my grandfather is my cosigner and I had to send in all the student loans he is on. The only loans are through AES and I have printed statements for both my sister and myself and I 'm now being told since they do n't have his name on them it 's not good enough. When the loans are serviced BY AES and tha t 's who I 'm trying to get the modification though!! I 'm guessing the only thing I can do at this point is stop paying them a nd hope that when I default they will accept a reasonable amount of money each month instead of almost 2 weeks of pay. And I really hope for all the other poor people trying to get help that they train their employees to be all on the same page and not  give someone a different answer every single time they call in.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-21 00:00:00
Product: Consumer Loan — Installment loan
Issue: Shopping for a loan or lease — 
Company: PNC Bank N.A.
State: OH

Complaint narrative:
payment arrangements were made on time as agreed to between myself a nd PNC, and yet fo r  XXXX ,  XXXX ,  XXXX  of   XXXX   payments were made on time as the letter states fro m PNC  to the CFPB. and  XXXX   XXXX  lied in that letter a few times, first all it was my call to  XXXX   XXXX  office to force  XXXX  to do his job. He now claims I offered to pay {$300.00} in   XXXX   to bring the account up to date. I do n't know where he got that from. The reason for the original complaint was tha t PNC agreed to the payment plan and   XXXX    assued me that there will be no more late pays reported to the Credi t Bureau 's. Yet for  XXXX ,  XXXX ,  XXXX  of   XXXX    XXXX  's letter proves the paymen ts were made on time but he refuses to correct the credit reporting. His actions are wrong and breaks a few credit laws. As I stated many times before make PNC release the recorded phone call and it proves I 'm right.  XXXX  lied plain and simple to me and a federal agency

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-18 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: FL

Complaint narrative:
XXXX   XXXX  sold my school loans to different companies who now created duplicate loans on my credit report.   And I feel that the school loan amount does n't match what 's on my report as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-19 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Account terms and changes
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
I am applying for  XXXX   XXXX  service ... they need a credit check but was not able to com  plete one because of a credit security freeze.
I tracked the freeze down to Equifax, the reported a security freeze was on my account. I stated I never requested a freeze on my equifax report. They will not lift unless I pay the fee. I again stated I should not have to pay for something I never requested. The Equifax rep said they do n't keep records of the payment needed at the time the security freeze was requested, which could lead to who done it! I have checked all my records paper and electronic and have never received a notice that Equifax put a security freeze on my report.
The fee is small but I should not have to pay this, it is a mistake! These credit agencies all take hours of waiting on hold and transfers to finally get talking to a real person. They would not allow me to submit a claim or anything that would resolve this correctly without me paying their " Fee ''.
I hope govern  ment regulation will reform these agencies and their operations.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-17 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc.
State: FL

Complaint narrative:
I have a n Auto loan w  ith Santander Consumer USA Inc. Th is is the biggest scam I have ever seen. I did n't have the best credit when I got the car, so I am supposed to have a simple interest loan with a sky rocket rate of   XXXX   XXXX   APR and a monthly payment of { XXXX } due on the  XXXX  of each month.. My first problem with them wa s after falling into financial trouble, I was able to defer  XXXX  payments, Not knowing that once I made my next  XXXX  payments after the deferment, ALL of the money would go to interest. ( Is this even legal? ) Now currently, I  am up to date with all of my payments, I made an EARLY payment on  XXXX   XXXX ,    2017  where ( { XXXX } went to the principal, and { XXXX } went to interest. ) Now  XXXX   XXXX ,  2017 , I made a payment and only  ( { XXXX } went to the principal and  XXXX } to interest. ) How is this even possible? I made my payments early, b ut I am being penalized and more of the money is going to interest. There are also a number of ( misc. fees ) applied to my account as to which they say, those are late fees from prior months or those are fees for this and that. ) This company should be ashamed of what it is doing, not only are they getting a ridiculous amount of money from me every month, plus a ridiculous interest rate, they are also   XXXX   me over for making payments early.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-20 00:00:00
Product: Debt collection — Federal student loan
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
This debt was paid in full but still remains negative on my credit report as if instill owe this Debt effecting my ability to make be purchases.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-18 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
Had a loan modification because of health problems that 's when everything changed.my loan was a 20 year fixed I have lived in the house 16 years. After the loan modification I pretty much ended up being in debt more than ever. I am just trying to figure out if I have been a victim of a predatory loan.

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: 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:
Wakefield is attempting to collect a debt I never established a contract with them, furthermore they are violation of the FCRA LAW by reporting a negative item on my credit report and I do n't owe them,

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-21 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Incorrect/missing disclosures or info — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
While receiving payments via Venmo and Paypal, it is not clear that the funds stay with those services until I manually log in and request that the money be transferred to my checking account. In both cases, the money rests with them and does not collect any interest.

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: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: AFNI INC.
State: LA

Complaint narrative:
XXXX   XXXX   XXXX  cell phone customer since late  XXXX  's, they went out of business and when they came back around  XXXX  I returned. I added another line in  XXXX  or  XXXX  maybe earlier had no problems while I lived abroad. When I arrived in  XXXX  and provided the phone to my aunt around  XXXX , I continuously experienced disconnects to my second line and while I was always able to have the line reinstated without incident the issues continued as well in that to my dismay, I discovered the " hard '' way that they changed their original agreement that listed minutes were to " rollover '' so I lost over  a thousand minut es on the second line. I was offered to disconnect services since I continued to have problems with their services and that I had not been on contract for several years. Both lines were disconnected by representative with a balance of $  XXXX  due to a " reconnect '' fee ( I disputed ) that was promised to be credited to account. I received a {$170.00} bill about 3 months later and when I inquired about this amount, I was informed that the second line was still under contract. I spent " innumerable '' hours speaking to agents concerning " notes '' on my accounts but to no avail. I contacted FCC and did not get results. I joined a class action lawsuit against  XXXX   XXXX   XXXX  for overcharge of service fees and received a small check via which I believe that my monies for my " overages '' were possibly deducted from my check!  XXXX   XXXX   XXXX  has listed this debt for the year  XXXX  when the account was closed in  XXXX ! I have had a similar incident with  XXXX   XXXX   XXXX  in  XXXX  via which I had business set up in my office building and my son had a  XXXX  which forced us to relocate to our home in   XXXX   for treatment and while  XXXX   XXXX   XXXX  promised to clear the slate ( never had services set up ) I had to obtain legal representation to remove bill because there were no " notes '' to verify conversations.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-18 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: TD BANK US HOLDING COMPANY
State: OR

Complaint narrative:
We had a loan with  TD Auto Finance  on our   XXXX   XXXX   XXXX   XXXX  . On   XXXX   XXXX   XXXX   we purchased a new home. Part of that purchase required us to pay off our car loan with  TD Auto Finance. A  cashiers check in the amount of {&gt;= $1,000,000} was sent on   XXXX   and the vehicle was paid in full.   At the same time we were negotiating a settlement with   XXXX   XXXX   XXXX   XXXX   on the  XXXX   XXXX   XXXX   XXXX . We had a claim in progress at the time of paying the car off. The appointment to present the car was on   XXXX   XXXX   XXXX  . We took the car and title to the appointment.  XXXX  paid us a total of {$28000.00}. {$14000.00} was paid to us and {$13000.00} was paid to  TD Auto Finance.     TD Auto Finance  received that payment on   XXXX   XXXX   XXXX  . First we were told that the funds had to be held 21 days and they would then be mailed to us. We called in 21 days and the story changed to 31 days, then to 45 days. To make a long story short their story changed every time we called them. These funds are court settlement funds and should have been forwarded to us, instead  TD Auto Finance  cashed our check and they have held the funds every since. Today is   XXXX   XXXX   XXXX  .    TD Auto Finance  states that on   XXXX   XXXX   XXXX   they returned the funds to   XXXX   XXXX   XXXX   XXXX   by regular mail. We have been in weekly contact with  XXXX   XXXX   XXXX   XXXX  and to date the check has not been received. We calle d TD Auto Finance    XXXX   XXXX   XXXX   and the check has not been cashed. We are getting no response from either  TD Auto Finance  nor  XXXX   XXXX   XXXX   XXXX  and our court settlement payment of {$13000.00} has not been received.  TD Auto Finance  has held our funds  hostage  since   XXXX   XXXX   XXXX  .

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-18 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: RoundPoint Mortgage Servicing LLC
State: VA

Complaint narrative:
This is a follow-up to a complaint I made yesterday, #  XXXX . A company called  RoundPoint ha s been contacting me asking for money, claiming to be my mortgage servicer. Meanwhile,  XXXX  ( my actual mortgage servicer ) has confirmed multiple times that  XXXX  is the servicer. I have been making my payments to  XXXX . After I filed complaint #  XXXX  yesterday,  RoundPoint called me to respond to the complaint, claiming that I am still being serviced by RoundPoint  and that they will send me paperwork to prove it. However,  XXXX  has sent me paperwork showing that they purchased servicing rights fr om RoundPoint  effective  XXXX   XXXX ,   XXXX  . I am writing again to include this letter from  XXXX .

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: Account opening, closing, or management — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NY

Complaint narrative:
USAA opened an account using variations of my information. The debt has since been paid but USAA refuses to update the records with  XXXX   XXXX   XXXX ,  XXXX , and  XXXX  that the debt has been paid.

Company public response: Company can't verify or dispute the facts in the complaint
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: Disclosure verification of debt — Not given enough info to verify debt
Company: Nair & Levin, P.C.
State: CT

Complaint narrative:
I 've filed a complaint last month about this company. After several attempts of requesting verification of debt, I filed a complaint with the cfpb. I originally requested the verification years back without receiving the right to dispute. This company is beyond unprofessional and operates with untrained representatives. I called in on  XX/XX/2017    and I was told that they could n't put my requests in writing and I was hung up on by  XXXX . l called back and spoke to  XXXX , another  manager who  was even more unprofessional. This company is not abiding by the law and has not sent a correct verification of debt. Each bill that was billed out and actual meter readings need to be sent, for proper verification. Any correspondence needs to be sent by the company in writing, due to their false statements and untrained representatives, giving out incorrect information. I am requesting recordings of calls that were on   XXXX   XXXX   XXXX     and   XXXX   XXXX   XXXX     ; or I will ask the federal court to subpoena those calls for my current case against  Nair &amp; Levin P.C.

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: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Experian is in violation of FCR A 15 U.S.C. 1681, 611 ( a ) ( 6 ) and ( 7 ).  They continue not to investigate the inaccurate information that they are reporting on my credit file. They have not provided me with Physical evidence as to who, what, where they are getting this inaccurate information. They are speculating and putting " information has been updated, '' and " remains. '' None of which show me how exactly they verified any of the inaccurate accounts on my file. I have provided a description of each inaccurate account and case law surrounding what FCRA laws there are to abide by, which they have not been doing. If there is no evidence to prove the verification my next step will be to file a complaint with the Florida  States  Attorney and get resolution through the courts.

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 2017-04-12 00:00:00
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: POPULAR BANK
State: FL

Complaint narrative:
I found this company  E Loan   XXXX  online very easily. They said they could get me a loan with a very low interest rate, long payoff time for {$1000.00} to {$3000.00}. They wanted me to go to  XXXX  to purchase   XXXX   cards - which I did  ( { $100.00} worth taking out {$100.00} from  XXXX  to do this ). After that they did deposit checks ( fraudulent ) into my account from which I purchased more  XXXX  cards. All told {$700.00} of  XXXX  cards were purchased.

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