vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-12-05 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Phoenix Financial Services LLC
State: OH

Complaint narrative:
This account is in dispute. This is the 3rd collection agency who has contacted me and I have said this account is disputed an not owed. My insurance company made a mistake and these claims should have been paid to the XXXX XXXX ( XXXX XXXX ) 100 %. If anything is reported onto my credit I will be initiating a lawsuit regarding FDCPA, and FCRA violations. Not to mention opening a case file with the Indiana Secretary of State. I dispute this debt and wish that this company no longer contact me and close my file.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-05 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: RI

Complaint narrative:
This is a follow up complaint. The answer to the first complaint is not factual or truthful. 
there is taped phone conversations that were directly denied by your phone representative.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-05 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: BB&T CORPORATION
State: FL

Complaint narrative:
We started in XX/XX/XXXX applying to BB & T for construction loan. With no debt and adequate income it took 4 months to get approved. The funds disbursement agent was only available by email. If I asked more than one question, only the most brief answers to one of the questions. Yet 3/4 of each email contained all the days she would be out of the office and if she was going to be there - the hours of that day she would be available ... 

When we were finished building in XXXX XXXX, the final draw was issued. Our file was supposedly closed and sent somewhere from the construction dept. Four months went by and I couldn't get a closing date scheduled. I called many times and got a big runaround. I was being charged each month for interest only, which grew significantly due to all funds being disbursed. Every month I was charged {$53.00} for flood insurance. This was to be put in escrow. 

Our portfolio is also with BB & T wealth department. I initiated a request to liquidate the portion necessary to pay off the loan. When the wealth department heard this, a closing happened in 2 days! 

My complaint now is that after paying flood insurance for 2 years, my flood insurance expired!! I was never informed about needing an elevation certificate, although we had one ( pre-final ). So I ordered that and had it sent to BB & T. The insurance agent said she forwarded the renewal and payment requirement 3 times! No payment has ever been made by the bank!! I paid it myself this morning and I will be sending an immediate request for refunding all the excess I've paid over the last 2 years! This has been a nightmare with BB & T since the first day.

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 2018-12-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Transunion reporting credit report incorrect XXXX, false, wrong in 2014 i placed a fraud alert someone was using my information to get credit .today a copy of Transunion credit report enclose shows misleading information and violation under FCRA , FDCPA rules. Transunion is the only company still trying to report this case. 8 months of dispute they still do not report in dispute, date of last payment, claims sold in collection but name not listed, XXXX XXXX XXXX XXXX  XXXX, Section XXXX also FCRA 623 and FDCPA 806 { b } states that the creditor must enter a notice of dispute { no Stated } if this is not entered the account can not report on the account, XXXX   XXXX sect XXXX states you can not report a 3rd party collection legally regardless if the account was sold to, given, traded, anything it is against the law to report it there is an investigation FTC on DSRM this case is against you transunion

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 2018-12-05 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CT

Complaint narrative:
Myself and other members of my family received a semi automated call about a debt that I know nothing about from HSBC.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
I submitted an application to Citimortgage on or about XX/XX/2018 for a loan modification on my mortgage which converted from an interest only loan to an amortized loan with a 20 year amortization in effect more than doubling the payment. The home is underwater as well but would like to keep it as we have lived in the home for more than 16 years and have children in school. I have been submitting any and all requested documents on a timely basis and have kept in constant contact with Citimortgage and thought things were moving along when on XX/XX/18 I received a letter from a law firm representing Citimortgage demanding full payment of the mortgage plus penalties and interest and says in paragraph 6 of the letter that the law firm can file a foreclosure immediately and does not have to wait 30 days for a reply. I have additional correspondence from CItimortgage stating that we do in fact have an ongoing application for modification relief at this exact time period. I also received a phone call from a Citimortgage collection account employee on XX/XX/2018 at XXXX CST who identified himself as " XXXX '' - he said his purpose of the call was to see if we were going to pay off the balance of what's due ( he quoted a number ) and then when I said I had a modification in review right now he paused and said we were in foreclosure and said he could transfer this call to " litigation '' if I wanted to speak to them. I did and he tried to transfer but I was disconnected. Today XX/XX/2018 at XXXX CST I received a call from " XXXX '' at Citimortgage employee ID number XXXX who also said I was in foreclosure and asked what my intentions were- I said I was in a modification review and she placed me on hold for a long period of time and came back on and asked me to keep holding - I couldn't because I was at work. It seems like a case of " dual tracking '' and that's my complaint.

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 2018-12-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY

Complaint narrative:
On XX/XX/2018 I deposited {$10000.00} by XXXX to open a new HSBC account based on a promise of {$350.00}. After it took HSBC an unusually long period to credit that electronic deposit, I wrote them via their secure message feature to complain and to memorialize that I only opened the account for the {$350.00}. Since then, I have sent more than a dozen follow-up messages asking when I would receive the {$350.00} and I was told it takes time ( app. 90 days and it's been app. 170 days ) until now, when they did not even bother to promise the {$350.00} or offer an excuse but said instead that I can have my money back less a {$25.00} " penalty '' that they never even disclosed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP
State: NY

Complaint narrative:
XXXX XXXX XXXX. XXXX is the new managing agent as of XX/XX/18. I have called over 3+ times to inform US BANK of the change in addition to faxing, and writing a formal letter with a management agreement attached signed by the president of the board for this building. This is a co-op in NYC-it is a residential building which operates as corporation comprised of a board ( with board members that are elected annually ) we are the new management company and we handle all the affairs/operation of this corporation/building. The mortgage company refuses to forward the statements to our office. They refuse to grant us online access to review the information online. Although they are gladly accepting payments from us and applying them accordingly to the account. The building reserves the legal right to receive a statement. The loan in itself is almost maturing but the board is unable to view any statements since they have switched management companies. Another conflicting issue is that some way the previous management company ( which managed the building less than 1 year ) was able to receive statements/mailings from US BANK.

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 2018-12-05 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 — Was not notified of investigation status or results
Company: TD BANK US HOLDING COMPANY
State: TN

Complaint narrative:
XX/XX/XXXX- $ XXXX-unathorized charges XX/XX/XXXX- $ XXXX-paid in full not removed from credit report XX/XX/XXXX- $ XXXX-unauthorized charges and will not contact me XX/XX/XXXX- $ XXXX- not my account/fraud activity XX/XX/XXXX- $ XXXX- not my account, I had another one and paid in full XX/XX/XXXX- $ XXXX- paid in full and not removed from credit report XX/XX/XXXX- {$880.00} account was in a plan and paid from bank draft every month until paid balance down and it showed that I was late 30-60 days and was not

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: PNC Bank N.A.
State: VA

Complaint narrative:
Lost high salaried job in XXXX ( recession ) and fell behind on mortgage payments financed with PNC. Applied several times for loan modification and loss mitigation options but denied each time. Finally, in XXXX, we had to vacate premises as we tried to sell the home for one full year without success and knew we couldn't make payments plus cure arrearage. In XXXX, we filed for deed in lieu of foreclosure with PNC and were approved. We had since moved out of the property and turned over to PNC. We received notice, in writing at our new residence, that the deed in lieu was delayed due to a water bill lien ( allegedly a {$69.00} unpaid water bill ) filed by the XXXX XXXX XXXX XXXX and we must cure the lien first to proceed. We obtained letter from the City stating there is no record of a water utility lien or outstanding balanced owed and we faxed it to PNC. I called PNC and was told they had everything needed to proceed and did not receive anymore letters, notices, emails or phone calls from PNC. About one year ago, I checked my credit report on line at XXXX XXXX XXXX and found that all three credit reporting agencies showed negative public record reported for foreclosure. We were told our home would not be foreclosed because there was ample equity which is why the deed in lieu was originally approved. PNC failed to adhere to proper legal notice and notification of their intent to foreclose. We were not served with writ to foreclose or provided with legal notice as per the law. We were no given the option to cure the deficiency before proceeding to foreclosure and now my VA home buying benefit can not be used again until I repay the VA {$70000.00}. I feel my credit rating has been damaged, my credit report is inaccurate and marred my creditworthiness and my VA housing benefit ( no down payment when buying another home ) has been denied me for future use until I repay the VA {$70000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
I was called on XX/XX/18at XXXX by Portfolio Recovery Associates operator XXXX attempting to collect the credit card debt. They have been advised to place a cease and desist on this debt and if needed to continue all further communications through correspondence. They did not follow that request and continued to call me every 2-3 days for various months. I reiterated the cease and desist at the above time and provided last 4 of social if required to authorize for their recordings.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AMERICAN HONDA FINANCE CORP
State: GA

Complaint narrative:
American Honda Finance is NOT reporting the correct dates, balances or statuses of this account correctly.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-05 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
On XX/XX/2018 the aforementioned debt collector called my employer 6 to 7 times during the times of XXXX and XXXX. There have been calls prior to this date. Today XXXX XXXX  at approximately XXXX, the debt collection agency was told to stop calling place of employment. I was informed by my employer of this called, and that employment was verified. Debt collector stated otherwise to my husband over the phone.

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 2018-12-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Financial Credit Service, Inc.
State: OK

Complaint narrative:
XXXX XXXX XXXX XXXX  ( XXXX  ) XXXX-XXXX XXXX  ( XXXX  ) XXXX-XXXX They called me from this number and said they had a debt to collect. They had my social security # and information. I immediately checked my XXXX   credit report and saw that they pulled my credit without my permission. I also saw that I do not owe anything to anyone except my mortgage company and XXXX for my student loans. I do not use credit cards, they have been paid off for about 10 years for me. Do not give in to these people, check your own credit and stay on top of things.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX XXXX XXXX is NOT reporting the correct dates, balances or statuses of this account correctly.

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 2018-12-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
I applied for the REPAYE plan in XXXX of XXXX. I was informed by Navient that my school had not updated my status in regards to my graduation in the end of XXXX. I called my school XXXX university and the problem was rectified and was informed by navient that my loans would be consolidated and after that my REPAYE plan would be processed. After this I did not receive any notification from them regarding my repayment plan until today XX/XX/XXXX. I was informed via phone call that my payments were delinquent. After I informed them that this was incorrect as I am currently a XXXX  XXXX, I was informed that my REPAYE plan was never processed and they told me that I never uploaded proof of income, which is false. As a student that year I was not working and after speaking with their representative at the end of XXXX of XXXX I was told to upload my proof of income, with my last job being in XXXX and I uploaded my pay stub to their website. After speaking with a representative today they sent a notification to my previous address, that I did not live at anymore and then was informed that they sent me a letter in XXXX of XXXX to my new address regarding this information that I did not receive. I was never called or emailed ( my preffered method of contact which I choose on their website ) and now I am stuck paying roughly {$7000.00} in intrest on loans that I would not have paid if my REPAYE plan had been processed. Again I uploaded this information in XXXX of XXXX and called again at the end of XXXX to confirm all my documentation was correct and I was told everything was correct and my documentation would be processed after my loans were consolidated. Not only was I deliberately misguided by Navients representatives they according to them only attempted to notify me once about this issue 4 and a half months ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-05 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Thaxton Investment Corporation
State: OK

Complaint narrative:
I Got a Loan through XXXX XXXX  in XXXX, Oklahoma. I lost my job and told them that i would be late and that i did start a new job, that the date i would pay would be when i get my first full paycheck on XXXX. That i would pay any late fee, first time i ever missed a payment, they said i needed the money sooner and that they would call me everyday as much as they want until i pay them. They have called me few times ever day and my family, im at work and can't answer. Its getting ridiculous and almost to Harassment, they left voicemails saying i have to call back or go up there in person, but it's there bullying tatic once there they try to make you feel belittled and that if you don't pay right then and there they will take you to court. Was due XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-05 00:00:00
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: ACS Education Services
State: FL

Complaint narrative:
This account is too old to be on my credit report. It has an open date of XX/XX/XXXX. It was closed and was transferred to another lender. My loans are all consolidated under one lender now. It is too old to be on my credit report. We are in XX/XX/XXXX! Almost in XX/XX/XXXX. It was removed from my reports in XX/XX/XXXX and now it is suddenly showing again. Why?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Ditech Financial LLC
State: TX

Complaint narrative:
Our mortgage was with Ditech and was sold in XX/XX/2016. We are attempting to purchase a new home and Ditech is reporting that our home was settled for less than amount owed. This is preventing me from purchasing a new home. Attached is the HUD-1 for the sale of the home, Letter from Ditech that states " PAID in Full '' and letter from XXXX XXXX XXXX , XXXX that indicates " paid in full ''

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
This used to be " America 's most convenient bank ''. Not anymore. They blocked my access to my account online without any prior notice. They then said the only way to unblock it is via a text message. I am XXXX, like many folks my age, I rarely use text messages. Also, I have two phones and they would only send the access code/text message to my phone number ending in XXXX even though I was carrying my phone with the number ending in XXXX that day. Telling them this fell of deaf ears. So the next day I took my XXXX phone with me and called them again. This time their representative said they could only send the new code to the XXXX but not the XXXX number and she refused to give me the new code over the phone even though I answered all her security questions correctly. So the next day i took the XXXX phone with me specifically so i could get the texted code and the representative said she can only text it to the XXXX number. When I asked for a supervisor I was left on hold for a half hour waiting. Finally when I spoke to the supervisor I answered more security questions and she then assured me the account was unblocked. Then when I went back online the account wasn't unblocked and I had to go through the text message thing all over again. Then when I was finally able to access my account online, five minutes later it it bounced me out stating it was due to " inactivity '' even though there was no inactivity and I was in the process of scheduling a payment when I got bounced out. They need to hire competent tech people like they used to have.

Company response to consumer: Closed with monetary relief