vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-04-12 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: RoundPoint Mortgage Servicing LLC
State: SC

Complaint narrative:
I am having problems with my escrow account. The county overcharged for property taxes at the beginning of the year and Roundpoint paid the overage. As soon as I found out about the error in XX/XX/XXXX, I got a refund from the county and sent it to the mortgage company, which they added to the escrow account. The amount was the difference from which they would normally pay for my yearly taxes. Roundpoint then increased my payment by approx {$700.00} beginning in XX/XX/XXXX. I filed all the supporting documents and received email confirmation from them on XX/XX/XXXX. I was informed that it would take 30 days to investigate and correct the error. I called on XX/XX/XXXX to find out what the resolution was, and I was told that it was not done and to call back on the XX/XX/XXXX. I called back on the XX/XX/XXXX and was told they were not done and I was to call back the following day. I have called 4 times since then receiving assurances that emails were sent to escalate the case and I was even told that on XX/XX/XXXX that I would be receiving a call back from the supervisor, that never happened. I am constantly told by customer service that there is not a supervisor to talk to and that I have to wait for them to contact 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 2017-04-17 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: IL

Complaint narrative:
This loan was discharged and paid off in a Chapter XXXX bankruptcy on XX/XX/2017. On several occasions, I requested the title for the property. Also, the debt is currently being reported as delinquent on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
Navient has not provided me with any validation that I demanded. I have asked for any agreements signed with them that I all them debt also anything with my signature on it that shows that I owe them dept. Plus complete payment history on this account along with accounting of all additional charges being assessed. Along with many other proof of depth. I do not owe this company dnt know how I obtained dept with them. The info they do send is inaccurat. They have many inaccuracies on my credit and it is affecting me getting a home loan at a decent rate. I do not owe this company any monies.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-14 00:00:00
Product: Credit card — 
Issue: Other — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
This account does not belong to me. I have been disputing it since it was showing positive on my credit and now the lack of payment are showing as negative. when I try contacting the company I do n't get pass the verification process because my information do n't match what they have. This account is not mine. I have been disputing it with the credit bureaus since XX/XX/2016 and no one can show me proof that it belongs to me. Please help me remove this account especially now that it is reporting negative.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-13 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
Sent letter to Equifax advising that XXXX were reporting in-correctly on my credit report. Per credit report, it is listed as a 1 mo term, which I was not residing at that location. Did not received proper proof of validation of investigation. Advise to remove in-accurate reporting. Also XXXX XXXX XXXX, is reporting a debt that is fraudulent. Incident Report # XXXX which will supplement the above mention.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-13 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX is reporting as derogatory mark on my credit and I did n't open any accounts with them nor have i received anything in this mail about this company and it is affecting my credit and needs to be removed 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 explanation
Consumer complaint received 2017-04-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC.
State: GA

Complaint narrative:
Defer my loans i did n't know interest would be added after doing so now I owe XXXX more than my original debt

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-14 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
I made a reservation for an apartment on XXXX on XXXX/XXXX/17 and charged {$1600.00} on my Chase Visa credit card. I learned the next day the host was a fraud and contacted both XXXX and Chase to report the problem. Chase said they could not dispute the charge because it was still pending. I cancelled the reservation and under the XXXX policy I received a partial refund. I disputed the charge for the remaining amount with both XXXX and Chase. XXXX admitted the host was a fraud and said they were working through the issue. Chase would not agree to contact XXXX to determine if charge was fraudulent. I had the acknowledgement in writing from XXXX that the host was fraudulent. Weeks went by and Chase continued to do nothing and insisted was responsible for the charge because I knew the cancellation policy therefore I was responsible for the charge. Chase was unwilling to protect me from XXXX keeping my money for a fraudulent host. Finally after multiple emails, calls and influence from XXXX news, XXXX notified me that they would refund the remaining amount I had paid. I am actually more upset with Chase credit because they were completely unwilling to conduct any research with XXXX to assist and protect me despite the close to {$1000.00} fees I pay to Chase each year to have XXXX credit cards with their company. I contacted all the major news stations in my area because I wanted consumers to know both XXXX and Chase credits cards do not protect consumers from fraudulent hosts. In fact, XXXX is interviewing me next week on this story. I sincerely hope your organization will contact Chase and not allow this practice so that other consumers do not find themselves in the same situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC.
State: NV

Complaint narrative:
XX/XX/XXXX My name is XXXX My Parent Plus Student loan is now been service by Navient Acct # XXXX XXXX On XXXX XXXX agreement was signed with the intention to send my XXXX year old to attend school at XXXX in XXXX XXXX, Ca. with a XXXX loan from XXXX for {$23000.00}. She did n't attend and moved to another city. In XX/XX/XXXX I filed XXXX bankruptcy due to the financial nationwide real estate collapse since I was in real estate and I was foreclosed on my house. During that time I tried to contact them to make sure all my financial facts were correct during my meeting with bankruptcy attorneys. I was not able to get a response from them and I was informed they closed because of legal issues due to predatory, deceptive and unconscionable lending practices. 

I spent the next 5 years making $ 650 monthly to the court required by my bankruptcy. In XX/XX/XXXX my bankruptcy was discharged and never hear anything from them. On XX/XX/XXXX ( 2 years after my bankruptcy discharge ) I got a letter from Navient stating that my request for forbearance of the payments was just recently approved. I never even talk to anyone since I filed bankruptcy in XX/XX/XXXX. Navient said they were servicing my loan now and that my loan balance now was {$46000.00} at 8.50 % interest. And that my payments would resume on XX/XX/XXXX ( the month after ) for {$600.00} monthly. Since then they have been calling me more than once everyday even if I explained the situation to them and the confusion. I told them that I was not informed of this loan to be paid during my bankruptcy and that I was incurring interest at 8.50 % during my bankruptcy protection that lasted 5 years.. I will be XXXX years old in XX/XX/XXXX. My health is not well. I am taking XXXX and medication for XXXX. I am on XXXX, XXXX XXXX for my XXXX and have XXXX.I told them I was't aware that there was even a loan, never less that I was incurring interest during the 5 years of Chapter XXXX bankruptcy protection. They are very aggressive. Every time the representative offers me to talk to a supervisor they never come to the phone. Once they told me they were going to transfer me to customer service and instead they hanged up on me. I have call them back numerous times trying to see if the problems is solved and all they want to do is collect or push me into and sign a forbearance were interest keep growing. 

Please I need help to resolve this issue as soon as possible. I am XXXX and this is causing a lot of XXXX in my personal life and health. 

I really appreciate it! 

Thank You! 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-14 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
i have sent letters in the the Credit Bureau because someone applied for items in my name without my permession.

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 2017-04-12 00:00:00
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: CASHCALL, INC.
State: CA

Complaint narrative:
My husband and I get calls from XXXX office. They called my husbands employment ( he XXXX ) and when he said to stop calling him, they still called the XXXX. We have asked repeatedly for documentation of the loan and amount we supposedly owe. They do n't. They have now filed a civil lawsuit against my husband. When my husband called his office for more info, the staffer said we owed XXXX and we needed to settle for XXXX. We are in the process of getting legal representation to fight back.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-14 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc.
State: GA

Complaint narrative:
I am writing yet again because I am not sure what is going on with my Santander account. I called a couple of time last week and got a voicemail with a male voice. And when I finally do get a customer service rep, they hang up on me after verifying my credentials each time. This all confusing to me, until I finally got a male customer service rep on the phone one day last week by using another phone, my mother 's phone. I inquired about the deal I was given to pay off my loan as the result of my previous complaint.The rep said I had a hold or more likely a note on my account because I was part of a lawsuit against the company. I have made a complaint on this site but Iam not aware I was part of a lawsuit. I am just confused and tired after 9 years of paying for this never ending loan with it " misc '' charges that they have yet to clearly explain. I am just wanting to work something out that is not impossible for me. I was given the opportunity to pay $ XXXXin two weeks from when it was offered. I could not cough up {$1800.00} in two weeks. If I did I would have paid the minute I received the deal. However, I was simply calling to arrange another arrangement that would be feasible but as soon, but I have yet to get a call back when I left two or three messages. I had raised {$1000.00} so far and wanted to make payment and pay on the deal and have an extension to pay the rest but I no longer can get a person on the phone. I simply do not want to pay without confirming the deal but I have no idea what is going on, especially being marked as someone in a lawsuit against Santander. I am writing yet again because I am not sure what is going on with my Santander account. I called a couple of time last week and got a male voicemail. I have gotten customer service reps who have hang up on me after verifying my credentials. This confused me, until I finally got a male customer service rep on the phone last week. I inquired about the deal to pay off my loan as was the result of my previous complaint.The rep said I had a hold or more likely a note on my account because I was part of a lawsuit against Santander. This left me shock and confused. I do n't know if he was meant to tell me or not but it explained why I was not getting my calls back. And the only reason I did not pay the man that day is because he had no idea there was a deal. I could not provide confirmation of the letter because I was not home to get the saved copy off my computer. I will attach that letter. I just want a call back and to work out a deal to end this 9 year loan that is going into it 's tenth year soon.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-04-11 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:
My checking account at TD Bank was overdrawn. I had XXXX transactions which totaled roughly {$30.00} ( they were small transactions ). I was charged {$35.00} for each overdraft for a total of {$280.00}. Subsequently, TD Bank removed one of the charges, so the total of the charges is {$240.00}. I called customer service and spoke with a representative and a manager. I asked if the fees could be reduced because this was excessive. The representative said that the charges were all legal, which they are. However, my point is the charges are excessive and predatory. I am a XXXX, trying to do the right thing. I work part time, ironically at XXXX XXXX Representative. I do not mind paying one overdraft fee of {$35.00}. But XXXX fees is excessive. 
This also happened over the course of 24 hours, so it happened very quickly.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-04-11 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Despite 2 written requests, unverified accounts still remain on my credit report. The bureau stated in their responses that the accounts were listed as valid, however failed to send me the documentation that they used to verify the accounts as I requested in my letters of dispute. The company has ignored my request which is clear evidence of their disregard for Federal Law. Section 611 ( 5 ) ( A ) of the FCRA states they are required to promptly delete all information that can not be verified. I am requesting deletion of these unverified accounts. The law is very clear as to Civil liability and the remedy available to me ( Section 616 & 617 ) If the bureau fails to comply with Federal Law, I will have no other choice but to pursue litigating this matter to enforce my rights under the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC.
State: PA

Complaint narrative:
My automatic loan payments continue to me misallocated. I receive phone calls every month indicating that i am past due on my federal loans. I call Navient to investigate and after 30-60minutes on the phone it is discovered that my loan payments ( to loans " 5 & 6 '' ) were misallocated. The loan payment is then re-allocated correctly. I am told the problem is fixed. then 2-3 weeks later I receive another voicemail on my home phone " this is XXXX from Navient there is an important matter to discuss regarding your student loans. '' I call, the same probalem ; the problem is " corrected again ''. Every month for the past several months I have to fix this problem. there does not appear to be any end in sight. Navient does not seem to know how to correct the problem. I am being harassed with daily phone calls on a monthly basis for a problem in their system which they can not fix. I want a permanent resolution to this problem. I have n't had a late loan payment in & gt ; 10 years. I do n't want Navient to ruin my credit, because they are too incompetent to fix the problem with their computer system.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-11 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
On Thursday XX/XX/2017 @ approximately XXXX I notice an Inquiry on my Equifax credit that I did n't authorized or recognize. I called Equifax and spoke to an agent and informed the agent I had an inquiry for credit on my credit file that I did n't authorized as I did n't apply for nor was denied for any create from XXXX with in the last 90 days. If I had of applied for credit that was denied XXXX with the FCRA I would have received a letter of denial and a chance to receive a free copy of my credit report. The agent informed me that according to Equifax the inquiries are true unless the creditor provides me with a letter that states otherwise. I called XXXX at XXXX and spoke to XXXX who informed me that XXXX does n't send out letter to the consumer to remove credit inquiries to dispute the Inquiry with the Equifax and they would send verification to XXXX. On Friday XX/XX/XXXX at XXXX I called Equifax to open the dispute the agent told me they could n't do a dispute on the phone for the inaccurate inquiry information I would have to open the dispute online. After I got off the phone with the agent I called back and spoke to an addition agent who told me to contact XXXX informed her that I already tried that route and per the FCRA I should be able to dispute inaccurate information on my file. She said that she was sorry the only way to dispute the information was to dispute it online. On Monday XX/XX/XXXX I opened a dispute with Equifax for the unauthorized inquiry on Tuesday the dispute was closed with the following information " '' We have reviewed the inquiry information. the results are : Inquiries are factual record of file access. If you believe this was unauthorized, please contact the creditor. If you have additional questions about this item please contact : XXXX, XXXX, XXXX VA XXXX phone : XXXX. On Tuesday XX/XX/2017 upon receipt of the dispute findings I called XXXX at the number listed above and spoke to XXXX. XXXX researched the XXXX system and informed me he had no recent request for credit on my behalf and that they could n't send me a letter. I asked for him to transfer me to the Fraud department he did and I was transferred to XXXX at XXXX who reviewed my account and informed me he had no new request for credit for XXXX. XXXX called XXXX with me on the phone and spoke to an Equifax Representative reference the inaccurate information. The Equifax agent told XXXX the information would be taken care of yet when XXXX hung up the phone the representative stated he could not resolve the issue and had to transfer me to an additional section. As a Consumer I know I did n't request any credit from XXXX and to be given the run around by Equifax is unacceptable. To be provided a system generated response to dispute versus the dispute being investigated is disheartening. Please look into this matter for me thank you. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-15 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: Tower Loan of Mississippi, Inc.
State: MS

Complaint narrative:
I lost my job due to an motor vehicle accident that was not my fault. This made the loan fall behind. They refuse to to work with my husband on the loan. He is the only one working. They just called 6 times in less than 10 minutes. Even after he talks to them and make a payment arrangement, they call back 2-3 times the next day. They are threatening to sue. We are barely holding on to our home and keeping the cellphones on so they can even call us. The guy tried to basically force my husband to have us redo the loan. They even called and harassed us about that because we were close to paying off. Once when we thought about it, the young man wanted a vehicle title we did n't tell him about or offer for a {$12000.00} vehicle title for a {$500.00} loan he said our {$1200.00} lawn mower was n't enough along with a laptop. At that point we got up and walked out. We did not redo the loan. I have XXXX in a few days and my husband is under XXXX for XXXX himself trying to get our belongings from the wrecked vehicle. I need this 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 2017-04-15 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I requested that a Bankruptcy that is showing on my credit files be deleted and was never sent any information as to what was going to happen or has happened. This has been on going for months. This is affecting my credit and is causing me mental anguish as I can not move forward with my life until this matter is addressed and handled. Credit report reference number is XXXX and XXXX. It showing up on all XXXX of the credit bureaus in error please help me to get this addressed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-12 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC.
State: IN

Complaint narrative:
I was paying XXXX XXXX {$200.00} a month, had it down tob {$19000.00} then they said that was n't good enough and wanted {$350.00} a month. I told them, i could n't afford that. They were very rude every time I tried I work something out. Recently I found out they had written off the loan and have sold it to XXXX different collection agency who are now charging me over {$33000.00}. I 'm literally afraid that they will ganish my wages. Of the do I 'll lose my house, car and my job.

Company response to consumer: Closed with explanation