vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-05-29 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: PNC Bank N.A.
State: VA

Complaint narrative:
On XX/XX/2019 I received a hardship application from PNC. They gave me until XX/XX/XXXX to complete and return application with all documents required. I have submitted the application in time - on XX/XX/2019. Come to find out Ive been getting mail & phone calls from random lawyers & realtors that my house is up for sale. How is this possible that my home is up for sale if they havent reviewed my application yet?! 
And I feel like a ping pong ball because the person who was handling my case at PNC - XXXX XXXX said she would be working with me and Ive been communicating with her via email and come to find out, my case has been forwarded to someone else. I havent gotten a phone call. This has been very deceptive. PNC sent me a package and a date that I had to reply by and I did. 
This is an unfair mortgage practice that has gotten XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX  & other services such as XXXX XXXX XXXX and XXXX  XXXX XXXX for their bad practicing to send out loan modification packages and at the same time put our houses up for sale without a full review.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: NY

Complaint narrative:
We have had nothing but trouble with Specialized Loan Servicing LLC. Every time we received a phone call from them we got a different story. We were told we were current, then another phone call we were 60 or 90 days behind. We set up an online account to pay our monthly mortgage then XX/XX/XXXX we were locked out of our online account, they refused to take payments, So XX/XX/XXXX we purchased a money order from our Post Office, a week later we spoke to a lady XXXX claiming they did not receive that payment, we had that money order traced by our post office &  we have proof that it was made out to Specialized Loan Servicing & was cashed by XXXX XXXX, we never had XXXX XXXX as a mortgage company. We sent Teller XXXX an email of the traced money order & that it was cashed & she never responded back to us. XX/XX/XXXX they refused our payment by phone & informed us we had to make @ least two payments, but then take a XX/XX/XXXX phone payment which we have proof, On XX/XX/XXXX, we spoke to a XXXX who informed us our new payment was {$670.00} & change we informed her we never recieved any notice of any change, we then asked to speak to a supervisor, so XXXX from Arizona informed us we were current as of XX/XX/XXXX, & need to focus on the months of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX that none of those payments a year ago cleared our checking account & we have all our bank statements proving they did, that day we wanted to make a payment & she refused our payment unless we paid two payments & then said no four payments. We can't get anywhere with this mortgage company, monies have cleared our account & is definately not being applied to our mortgage. We have asked for a qualified complete payment history that they were supposed to mail to us & we have never recieved, we also asked for monthly mortgage statements mailed to us which we don't get either. We have been stressed beyond over this but we have not gotten anywhere with them. By them refusing our payments is putting us in default & lowering our credit score. WE DO NOT WAN NA LOSE OUR HOME, we really feel we  are being frauded.

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 2019-05-29 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WAKEFIELD & ASSOCIATES, INC.
State: GA

Complaint narrative:
I have been disputing these accounts for a while. They do not belong to me. Please remove them and all negative remarks that came with them. I am a single mother who has had issues obtaining credit because of these negative remarks. I have attached my identity theft report. If you need any extra info please send me a fax number I can use to correspond with you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-29 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: U.S. BANCORP
State: CA

Complaint narrative:
I took out a HELOC with XXXX XXXX XXXX in XX/XX/XXXX. 
In XX/XX/XXXX. It was a predatory loan with a max interest rate of 15.158 % I had a XXXX XXXX and suffered financial difficulties. But I kept up my {$1400.00} payments. At that time I requested a loan modification from Us Bank. I went thru it 3 times with them on my own then I hired a lawyer, big mistake. I went thru loan mod 2 more times with lawyer and tried to litigate Us Bank but judge threw it out because I was not delinquent, so I went delinquent and tried again for a loan mod and was turned down for s different reason that time, too many assets. So I decided to start making payments 1. In XX/XX/XXXX I paid {$10000.00} and then again in XX/XX/XXXX I paid {$10000.00} and have made {$2500.00} or {$3000.00} payments every month. I have checks.Then US Bank started randomly returned some checks some they would keep. I received a 1099INT for {$10000.00} for XXXX and 1099INT for {$22000.00}. I had figured I owed about {$50000.00} in back payments since my last statement showed my payment of {$1300.00} and I was told I was 33 payments behind. I have reached out to US Bank and received nothing but attitude and an inflated amount due., They have sent no statements and have removed my account from online so even though I have sent well over the {$50000.00} I had calculated I owed they returned {$22000.00} kept the rest and when I finally got a printout last week after I slammed them on XXXX, They claim I am {$190000.00} in the rears. That is impossible the loan amount is {$490000.00} with what I have paid that they kept {$32000.00} equal {$220000.00} or 46 % Interest? 
When I finally got the printout it does not have a running total of interest or total due other then principal. It also shows they have raised my interest rate 9 times without sending me a single notice of change. And the statement does not show what my payment should be anywhere. They are so XXXX up one time when they returned my payment then sent a letter the payment could not post because the account was satisfied, and nothing is due. 
The last payment of {$1300.00} I made was XXXX. I have paid {$56000.00} since XX/XX/XXXX and they have returned {$23000.00} of my payments I have all the checks. 

I am 5 months from XXXX and not in the best of health and will not loose my home. I feel they want to foreclose because I have over a XXXX in equity. I had hoped they would show my last 12 moths of payment as on tine and I could refinance and get away from them. The rest of my credit is perfect this is the only derog I have and I take responsibility I should not of listened to the lawyer I know better but I was wishing and praying

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 2019-05-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: USCB Corporation
State: GA

Complaint narrative:
I have been disputing these accounts for a while. They do not belong to me. Please remove them and all negative remarks that came with them. I am a single mother who has had issues obtaining credit because of these negative remarks. I have attached my identity theft report. If you need any extra info please send me a fax number I can use to correspond with you.

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 2019-05-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BBVA FINANCIAL CORPORATION
State: NC

Complaint narrative:
On XX/XX/2019 I purchased a XXXX XXXX XXXX XXXX online at XXXX. Weeks went by and never received the item and found out it was " delivered '' when I finally check tracking. Obviously I went immediately to XXXX corporate and let them know what happens. They promised to fix the problem in 48-72 hours. 

Now a month later, dozens of calls later, I finally took this matter up with my bank. I contacted my bank who refused to take a report of the fraud, they told me the ONLY way to do it was to go login and put the complaint online. I did so as asked. They then kept messaging me through their app and asking questions. 

I provided timelines, all the details, and they said the would get on this immediately. Today my phone buzzed again, and to my surprise, they are NOT fixing this fraud issue. 

They sent a message today that said thanks for reaching out. We have determined there was no error the transaction. We understand you returned an item and they will have to refund once received? That's a big question mark, what items did I return? Nothing, as I never even received it. 

So I'm not only dealing now with a fraudulent merchant, but also with a fraudulent bank. I called in immediately and asked to speak with a supervisor. The agent, XXXX, stated that no supervisors are available. I asked how do I make a complaint, she said they don't have anything for that. I said well let me speak to the fraud team, she said they don't take calls. She refused to escalate this issue at all. 

In all my years I've never had a bank refuse to investigate a fraud case. Moreover, they have noway to even put in a corporate compalint. I can't even reach the fraud team. They have a messaging system online and they ask you to go on there and dispute things this way, I've done that a dozen times and they refuse to have anyone from Fraud, Supervisor, or from corporate at all contact me and look into this matter. 

I'm a XXXX XXXX XXXX veteran who has not only been taken advantage of by a company ( more common today sadly ), but I'm also being taken advantage of by my own bank, Simple.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-29 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: R & B Corporation of Virginia
State: GA

Complaint narrative:
I have been disputing these accounts for a while. They do not belong to me. Please remove them and all negative remarks that came with them. I am a single mother who has had issues obtaining credit because of these negative remarks. I have attached my identity theft report. If you need any extra info please send me a fax number I can use it to correspond with you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-29 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
XXXX University, Navient and SalleMae ; I wont rest until one day I take this to the highest court. My loans are XXXX I never graduated college in my senior year because in XXXX in XXXX XXXX and Salle Mae did something with the loan. Mind you no one takes XXXX Universities credits so I had to start all over. After XXXX years late XXXX University placed a grant to cover an old bill because they knew whatever occured with the loan that year was not the fault of my own. The loan companies would like for me to claim XXXX an yet they want XXXX dollars that they know ill never have because they ruined my credit and so I cant even get a good job to pay it. Instead Im working through school and no degree and diagnoised with XXXX and XXXX and I blame the loan company salleMae and Navient and XXXX for the XXXX XXXX. I will never be the same due to these loans that should be eliminated since i got them in XXXX and wasnt even old enough to understand that without a good job it would be impossible to pay it off.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-29 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have been disputing these accounts for a while. They do not belong to me. Please remove them and all negative remarks that came with them. I am a single mother who has had issues obtaining credit because of these negative remarks. I have attached my identity theft report. If you need any extra info please send me a fax number I can use it to correspond with you.

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 2019-05-29 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Byrider Franchising, LLC
State: TX

Complaint narrative:
I been having problems with the staff at this location with someone by the name of XXXX, shes the collectors supervisor if Im not mistaken. I received a call the day of my payment ( XXXX ) for my vehicle & I stated to the girl that I was having a issue with my bank card and as soon as I solve the issue I will make my payment ASAP. Then 4 days later one of their collectors contacted me but i couldnt answer the phone due to the fact that I was at work, so I send him a text message & let him know I was going to the bank that day to get my card so I can make my payment tomorrow. I then asked him if he can send me his email so I can email him. So 4 minutes after letting the collections agent know that I will make my payment I send a email to the agents email basically to cease communication even though I still let them know when I was making my payment. 
Today XXXX I finally received my card, but my vehicle was repossessed. They did not put out a right to cure in my car, door, or mail. They just took my car without letting me know. After that I went to the dealer to complain on why they took my car. They stated because I send them an email to cease communication. When I went to the office I first spoke with XXXX, she told me she did put a right to cure but could not show me any forms. Then after I spoke to the boss ( XXXX ) she then told me as well it was because I was not communicating with them and that they are allowed to repossessed my car without putting the right to cure. Which in these 2 attached photos shows that before I send them the email I still communicated with them. So from my understanding because they didnt like that I send the email XXXX authorized them to repo my car. & now Im stuck with repossession on my credit & more fees that I have to pay only because XXXX did not like the email that I send. To make it worse when I got to the office she was being so rude & was just saying she can basically do what she wants to. When I bought my car there I liked the employees I thought they were pretty nice. But the more you get to know them i realized that you pretty much have to bite your tongue at all times because XXXX will end up voiding my payments just so she can be able to take my car away from me.. PLEASE PLEASE Let me know if you can help me. I feel like I was treated very unfair only because of sending a email. I spent 3 hours waiting to speak the the boss and an extra hour trying to get my car back. Thats 4 hours of my time over a email that I send.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-29 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
THE DISPUTED ACCOUNTS DOES NOT BELONG TO, THOSE ACCOUNTS WERE INACCURATELY PLACED ON MY CREDIT. PLEASE CONDUCT AN INVESTIGATION FOR THOSE DEROGATORY MARKS FOR THEY HAVE CAUSED TREMENDOUS HARDSHIP ON MY CREDIT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: CO

Complaint narrative:
Specialized Loan Servicing is the servicer of my Mother 's mortgage account. Loan number XXXX. I requested on XX/XX/XXXX reinstatement figures to cure the back due payments and the loan was close to being referred to F/C per the SLS customer service agent. I called the customer service at XXXX on XX/XX/XXXX and was placed on hold for 35 minutes while the customer service rep provided the reinstatement figure of {$5200.00} through the XX/XX/XXXX payment. I requested the customer service rep 's name and was told we do not provide that information or their agent number. The call was recorded and verified by SLS on XX/XX/XXXX. I wired {$5200.00} to XXXX XXXX confirmation number XXXX. I called the following day on XX/XX/XXXX and verified with SLS that they did receive the wire. The rep confirmed on XX/XX/XXXX the account was due for XX/XX/XXXX. The loan was current. 


SLS called my sister XXXX XXXX ( authorized on the account as well ) and informed her that there was a mistake made by the customer service representative. The did not collect the attorney fees or inspection fees. I've attached the transaction history along with the wire confirmation of payment. You will see on XX/XX/XXXX the total amount of XXXX was applied then days later four {$15.00} inspection fees and interest and fees totaling XXXX was applied on XX/XX/XXXX after the wire payment for full reinstatement was processed by SLS. 

I'm filing this complaint due to the error and financial hardship due to the SLS customer service representatives actions caused. The loan is now showing in default due to this issue. I contacted SLS again and they indicated that no further action would be taken to resolve my complaint. I informed them I would be opening a formal CFPB complaint due to misappropriation of funds applied after the reinstatement was accepted and verified by their company. 

Thank you XXXX XXXX ( authorized party on the account ) XXXX XXXX - mortgagor Loan number XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX 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 2019-05-29 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
THE DISPUTED ACCOUNTS DOES NOT BELONG TO, THOSE ACCOUNTS WERE INACCURATELY PLACED ON MY CREDIT. PLEASE CONDUCT AN INVESTIGATION FOR THOSE DEROGATORY MARKS FOR THEY HAVE CAUSED TREMENDOUS HARDSHIP ON MY CREDIT.

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 2019-05-29 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: NJ

Complaint narrative:
THE DISPUTED ACCOUNTS DOES NOT BELONG TO, THOSE ACCOUNTS WERE INACCURATELY PLACED ON MY CREDIT. PLEASE CONDUCT AN INVESTIGATION FOR THOSE DEROGATORY MARKS FOR THEY HAVE CAUSED TREMENDOUS HARDSHIP ON MY CREDIT.

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 2019-05-29 00:00:00
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Lost or stolen check — 
Company: FIRST HORIZON BANK
State: NV

Complaint narrative:
To date I have been unable to obtain the funds from First Tennessee Bank, who acquired or merged or by other means obtained all the assets and or liabilities from XXXX XXXX aka XXXX XXXX XXXX XXXX who issued the check. 

During the past 9 years I have visited the First Tennessee Bank and was informed that there are no records of this account. My Aunt and I shared an account together at this bank. Savings Account number XXXX. Opened XX/XX/XXXX. 

On Wednesday XX/XX/XXXX I met with Mr. XXXX at XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX XXXX. A professional law firm located in XXXX, Tenn. Mr. XXXX accepted the cashier 's check and sent it to First Tennessee Bank who in turn told him there was no record of the account. 

I need this Cashier 's Check traced to determine if the First Tennessee Bank has this check in their archives and to return the funds to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Late payment reported ( {$16.00} ) to my credit report that caused my credit score to decrease greatly. I made the payment and just want the late payment taken off my report. As my credit report shows it has 100 % payment history prior to this late payment. I hope CAPTITAL ONE can over look this one time mistake and erase the late payment. 

Credit card company : capital one Credit card : capital one savor rewards card Payment made : XX/XX/19

Company response to consumer: Closed with non-monetary relief