vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-01-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: UT

Complaint narrative:
On XX/XX/XXXX, I contacted PennyMac to have our house assessed to have our PMI removed. In XX/XX/XXXX, our house appraised at {$350000.00} Since that time we have added a new roof, a new water heater, a new furnace, we have put in a {$2000.00} fence in the back yard, and housing prices have risen in general. We asked PennyMac to do a BPO and were told that someone would drive by and look at the front of our house and the back of our house from the outside and that the person would also pull comparable for houses in the area. The first time the BPO happened, the amount came back at {$320000.00} Upon closer inspection, it appeared the person who did the BPO did not even take photographs of the correct house, but instead photographed our neighbors house. In addition, all of the houses that were pulled as comparables had far fewer square feet and almost all of them were much older houses than ours, one up to 18 years older. We pulled some of our own comparables from our area that more accurately compared to our house and sent them to PennyMac, which put the value closer to {$400000.00}. In addition, we notified them that the BPO had taken photographs of the wrong house. We received a letter from PennyMac indicating that they were not going to change the BPO amount. It is preposterous to assert that our house value has gone down from XXXX to XXXX in the current market. Furthermore, the BPOs own document puts the average sale price in the last 3 months for comparable houses at XXXX. We believe this is a systematic problem with PennyMac in an effort to unnecessarily collect PMI when it is not appropriate. Our house only needed to appraise at {$360000.00} to have PMI removed and it is unfathomable that it would n't come back at that amount. What PennyMac is doing borderlines on fraud. After further research it appears that this is being a problem nationwide where mortgage companies are forcing the use of their own selected individuals to do BPO and appraisals and they are routinely and conveniently coming back under the amount necessary to remove PMIs. I ask the CFBP to investigate this systemic and nationwide problem so that consumers are not at the mercy of these corporate companies who have an incentive to keep the PMI in place. Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-17 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:
Loan 1 : Original Loan Amount- {$32000.00} Current Amount Due- {$68000.00} Disbursement Date : XX/XX/XXXX Repayment Start Date : XX/XX/XXXX Interest : 11 % Variable Original Provider : XXXX XXXX Current Provider : Navient Loan 2 : Original Loan Amount- {$12000.00} Current Amount Due- {$23000.00} Disbursement Date : XX/XX/XXXX Repayment Start Date : XX/XX/XXXX Interest : 11 % Variable Original Provider : XXXX XXXX Current Provider : Navient Loan 3 : Original Loan Amount- {$5000.00} Current Amount Due- {$8700.00} Disbursement Date :XX/XX/XXXX Repayment Start Date : XX/XX/XXXX Interest : 11 % Variable Original Provider : XXXX XXXX Current Provider : Navient Loan 4 : Original Loan Amount- {$4500.00} Current Amount Due- {$7500.00} Disbursement Date :XX/XX/XXXX Repayment Start Date : XX/XX/XXXX Interest : 11.125 % Variable Original Provider : XXXX XXXX Current Provider : Navient Loan 5 : Original Loan Amount- {$5300.00} Current Amount Due- {$10000.00} Disbursement Date : XX/XX/XXXX Repayment Start Date : XX/XX/XXXX Interest : 14.375 % Variable Original Provider : XXXX XXXX Current Provider : Navient Loan 6 : Original Loan Amount- {$3000.00} Current Amount Due- {$4700.00} Disbursement Date : XX/XX/XXXX Repayment Start Date : XX/XX/XXXX Interest : 13.125 % Variable Original Provider : XXXX XXXX Current Provider : Navient ** Complaint : Multiple forbearances forced on borrower and borrower not made aware of implications pertaining to interest. Also implications of interest during in school deferments not explained to borrower. Borrower feels interest accrued is too much for original loan amounts borrowed. Original loan amounts borrowed : {$63000.00}. Current owed on all loans : {$120000.00}. Total interest accrued since repayment start date of XX/XX/XXXX : {$60000.00}. Borrower not given alternative methods of repayment to avoid deferments or forbearances.

Additionally, cosigner release requested numerous time over course of loan. Was told 12 on time payments of principal/interest needed to occur for cosigner to be released. Payments made consecutively for 26 months ( XX/XX/XXXX-XX/XX/XXXX ) prior to in school deferment and cosigner still was not released.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: U.S. BANCORP
State: CA

Complaint narrative:
My credit report shows a lot of accounts that were opened as a result of someone applying under my name and credit information. I called XXXX XXXX several times to report this crime but they have not closed this fraudulent account. In addition, I have provided them with a police report, yet they continue to still leave this account open, enhancing new opportunities for more fraud.

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 2018-01-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: MD

Complaint narrative:
I had been with XXXX for my student loans for approximately four years, until I applied to the public service loan forgiveness program in the summer of XX/XX/XXXX. I am currently employed by a county government. I wanted to see if my payments qualified under the PSLF. This apparently automatically initiated XXXX to take over my loans beginning in XX/XX/XXXX. When this occurred, I set up my account with XXXX, including automatic direct debit. I even received an automated e-mail from XXXX saying " This is a reminder that you have an upcoming payment due -- but no worries! You 're enrolled in our Direct Debit service so the payment will be automatically withdrawn from your bank account. '' Several days after this payment was due, I got an e-mail from XXXX notifying me that my payment was late. I logged into my bank account and XXXX account and nothing had been posted. When I called their customer service line I was notified that their system takes 4-6 weeks for direct deposits to begin clearing. I explained that I had received an e-mail from their system stating that the payment be automatically withdrawn. No one at XXXX ( and I spoke to three different levels of customer service ) would take any responsibility for this error.

Additionally, when my loans were transferred to XXXX, a month in my payment was skipped. I believe the interest continued to accrue, and as a result my monthly payment went up by approximately $ XXXX/month. The customer service representatives did not seem to understand that the extra $ XXXX/month was not the problem for me -- I could afford $ XXXX/month -- but that over the term of my loan, that " missed '' payment resulted in a substantially larger increase in the total loan payoff.

I was notified approximately two months later that none of my payments were qualifying for the PSLF program. This program was the entire reason that I applied, and that my loans had been switched over to XXXX. Whenever I have tried to contact customer service I have had to speak to at least three representatives, all of whom try to pass off blame to " the computer system '' or on other employees, and have been singularly unhelpful.

More recently I have sought to adjust the term of my loan from a 20-year repayment program to the remainder of what would be a 10-year repayment. Their website offers misleading, and I would claim predatory, advice regarding the total interest and payments resulting from fixed vs. graduated monthly payments.

Every time I end up on the phone with XXXX to seek clarification about why a payment was not processed, or why they took an extra month to begin accepting payments on my loan, or to ask for a status update on XX/XX/XXXX tax documents, it is a very long wait to reach an operator, and then the customer service is not helpful either.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-17 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: HYUNDAI CAPITAL AMERICA
State: NJ

Complaint narrative:
XXXX XXXX XXXX repeatedly abuses their power. 
On multiple occasions, they have provided no bill what so ever, yet have then threatened taking the bill to collection and affect my credit. This latest time, we traded our car in ( end of lease ). The dealership agreed to pay all remaining payment. XXXX XXXX XXXX sent a bill for damages to the car to an address that we have n't lived in for 4 years. 
When threatened with collections, we alerted them that the dealership would be paying, and just asked for some more time, since they were threatening collection in a week 's time. 
They admitted their mistake, but refused to push the deadline for payment. When I ask to dispute the claim against me, I was told I could not and there was no process to dispute. I did fax a dispute of the claims over to them ; however, I have not heard anything. According to XXXX ( customer service ), he has heard this story from costumers 100s of times in the year he has worked there. They do n't care, and they wo n't do anything to help despite admitting they are wrong. 
Additionally, under the Fair Debt Collection Practices Act, are n't I entitled to dispute the claim? Additionally, as part of the same act, are n't they required to cease collection of the debt until resolved?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I opened a business checking account with Bank of America in XXXX of 2017. I do not recall ever being asked to opt-in to overdraft protection, in accordance with the overdraft protection law. I was given the option to opt-in to something the bank called " overdraft protection, '' which I declined. Family health issues caused me to step back from my business for several months and I incurred more than {$1000.00} in overdraft fees. During the course of trying to address this with the bank, I learned that what they call " overdraft protection '' is really just the option to link some other form of payment to my account. I spoke with several customer service rep 's before talking with a supervisor named " XXXX '' in XXXX. He told me that the default setting on all business checking accounts is for them to cover overdrafts, at their discretion, and then charge a {$35.00} fee for each transaction. This, he said, is why they had charged me more than {$1000.00}. I told him that this seemed to be in conflict with the Overdraft Protection Law and that their word-choices seemed a clear-cut example of deceptive marketing. He refused to explain to me why the law, seemingly, was not applied in this case, how I could keep from incurring fees ( other than by telling me to change my notification settings ) or why their definition of " overdraft protection '' was different than the layman 's version ( and that contemplated in the law ).

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 2018-01-17 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: PA

Complaint narrative:
On XX/XX/XXXX I initiated a {$3000.00} withdrawal ( bitcoin to USD ) from Coinbase to my XXXX XXXX account. This was marked " COMPLETED '' on XXXX XXXX, XXXX at XXXX. The estimated arrival time to my XXXX account was XXXX XXXX. 

Reference code : XXXX After XXXX XXXX, I checked my account every day and I have been in contact with XXXX who says no funds have been sent. 

On XXXX XXXX, I filed a Support Ticket with Coinbase ; it is Case ID : XXXX. I received an automated response explaining why my ACH withdrawal may be in " Pending '' status - however, my withdrawal was marked " COMPLETED '' since XXXX XXXX. I followed up with two e-mails and tried to get a hold of their support group - nothing. 

It is now XXXX XXXX ( 2 weeks ) and there is no trace of my money ( it has been gone from Coinbase since XXXX and never arrived to XXXX ) nor any communication from Coinbase 's support group. 

I would consider this complaint resolved the moment Coinbase actually executes my {$3000.00} withdrawal ( after fees ) and sends it to XXXX. 

Any help is much appreciated - thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-17 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
To whom it may concern : I have had a lot of problems with the Board of Equalization of XXXX XXXX California. Attached are Affidavit ( s ) letters to the point of contact ( XXXX XXXX ) and her associates from the B.O.E.. I had a family business during the recession of XX/XX/XXXXXXXX and the economy got the best of us, but I paid our tax lien of $ XXXX XXXX. 

The tax lien debt was tendered in 2014 and the BOE from XXXX mailed me a tax payer copy, showing, and expressing a tax lien release filed by the BOE of XXXX within XXXX XXXX and XXXX XXXX XXXX California. The BOE also went after my senior citizen mother ( XXXX XXXX ) creating another account number to create another $ XXXX of owed debt by filing the same debt they did me in 2014 ( See attachment ), but now under XXXX XXXX. I have letters expressing the confusing and I even gave instruction to the BOE to follow up with their Headquarters, but we somehow come back to the issue yet again. Please review all attachments. 


Thank you, 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 non-monetary relief
Consumer complaint received 2018-01-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: SC

Complaint narrative:
I co-signed student loans for my oldest son in XX/XX/XXXXthru XXXX. Then co-signed loans for my youngest son in XX/XX/XXXXthru XXXX. Both loans are now being serviced by Navient. 
My youngest son decided to consolidate all his loans thru XXXX XXXX. They have assumed his loan servicing as of XX/XX/XXXX. When I look at the loans on Navient 's website, they show still due. I talked to a Navient service rep who said I had actually signed loans for myself and I was still responsible for paying them. So Navient now says that the college must have double billed for his loans and I need to check with the college. In other words, my youngest son is paying off his student loan thru XXXX XXXX and Navient expects me to pay off his student loans, too!!! How did we get billed twice for the same amounts?!? I did n't go to school or receive any money but someone charged us twice for his loans and Navient expects me to pay back loans that I supposedly signed for that were for his student loan also! Navient says I did n't co-sign, I actually signed a " Parent Plus '' loan that is in my name alone, according to them. When I look at my account at Navient, it shows every loan for both sons as " Parent Plus ''. I did n't agree to that. I only co-signed. On the very first loan my father actually co-signed but they 're still saying the loan is in my name only. I 've seen all the lawsuits and complaints about Navient and now understand why!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-17 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Diversified Consultants, Inc.
State: VA

Complaint narrative:
Diversified Consultants has been calling me since XX/XX/XXXX. On XX/XX/XXXX, I sent a letter stating that I do not have any knowledge of any debt outstanding, requested that they provide identifying information for the alleged debt, and demanded that only contact me via mail and cease contacting me by phone. 

That letter was received on XX/XX/XXXX and from XX/XX/XXXX through XX/XX/XXXX I have received 3 more calls from Diversified Consultants in violation of the cease and desist letter. I have not received any written communication from Diversified Consultants, either before or after the cease and desist letter I sent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
To whom it may concern : I have had a lot of problems with the Board of Equalization of XXXX XXXX California. Attached are Affidavit ( s ) letters to the point of contact ( XXXX XXXX ) and her associates from the B.O.E.. I had a family business during the recession of XXXX XX/XX/XXXXand the economy got the best of us, but I paid our tax lien of $ 20k -/+. 

The tax lien debt was tendered in 2014 and the BOE from XXXX mailed me a tax payer copy, showing, and expressing a tax lien release filed by the BOE of XXXX within XXXX XXXX and XXXX XXXX XXXX California. The BOE also went after my senior citizen mother ( XXXX XXXX ) creating another account number to create another $ XXXX of owed debt by filing the same debt they did me in 2014 ( See attachment ), but now under XXXX XXXX. I have letters expressing the confusing and I even gave instruction to the BOE to follow up with their Headquarters, but we somehow come back to the issue yet again. Please review all attachments. 


Thank you, 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 2018-01-17 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: EQUIFAX, INC.
State: CA

Complaint narrative:
To whom it may concern : I have had a lot of problems with the Board of Equalization of XXXX XXXX California. Attached are Affidavit ( s ) letters to the point of contact ( XXXX XXXX ) and her associates from the B.O.E.. I had a family business during the recession of XX/XX/XXXXXXXX and the economy got the best of us, but I paid our tax lien of $ 20k -/+. 

The tax lien debt was tendered in 2014 and the BOE from XXXX mailed me a tax payer copy, showing, and expressing a tax lien release filed by the BOE of XXXX within XXXX XXXX and XXXX XXXX of California. The BOE also went after my senior citizen mother ( XXXX XXXX ) creating another account number to create another $ XXXX of owed debt by filing the same debt they did me in 2014 ( See attachment ), but now under XXXX XXXX. I have letters expressing the confusing and I even gave instruction to the BOE to follow up with their Headquarters, but we somehow come back to the issue yet again. Please review all attachments. 


Thank you, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Chase Bank, NA JP Morgan. On XX/XX/XXXX charged me in the same day and in less than an hour {$68.00}, they said for INSUFFICIENT FUNDS FEE, as always this financial institution apply their regulation in their favor. they paid first a check that i wrote to XXXX XXXX XXXX and deposited XX/XX/XXXX and then they paid my car insurance some minutes laters my social security pension. For me this It is not fair and is an abuse against their customer. When I called Customer Services they says can not remove that fees, because they paid the check to XXXX XXXX XXXX at XXXX on XX/XX/XXXX and my Social Security at XXXX XXXX XX/XX/XXXX that 's why I 'm making this complaint to help me get this bank back my money.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-01-17 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: LDF Holdings, LLC
State: MI

Complaint narrative:
wanted to make payments using a different payment method. I was told i could not also called and asked if i could switch the payment due dates, to make it more convenient for me to make payments on this loan. They insisted i could not.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Financial Business and Consumer Solutions.
State: CA

Complaint narrative:
On numerous occasions, beginning on XX/XX/2017, FBCS , Inc. ( located at XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, PA XXXX ) and their client XXXX XXXX XXXX XXXX XXXX XXXX ( located at XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, MO XXXX ) contacted me regarding their collection of XXXX account XXXX debt of {$10000.00}. A phone representative of FBCS Inc. has been calling my home phone repeatedly, as well. When my wife answered and asked for debt validation to be mailed to us, the phone representative informed my wife that FBCS weren't legally required to send anything to us, informed my wife that she was stupid to request it and that my wife " knew nothing. '' I responded to all correspondence from FBCS, Inc. and XXXX XXXX XXXX XXXX XXXX detailing that I never authorized this alleged credit card charge to XXXX, the merchant or anyone else. I detailed to both FBCS, Inc. and XXXX XXXX XXXX XXXX XXXX that I consider this XXXX credit card charge to be fraudulent, that I am currently disputing the amount, and that I have active investigations with various governmental entities regarding this alleged debt. Both FBCS, Inc. and XXXX XXXX XXXX XXXX XXXX, after their first letter dated XX/XX/2017, violated both my State and Federal rights by placing derogatory marks on my credit reports with all credit reporting agencies ( XXXX, XXXX and XXXX ) without first investigating my dispute, responding to my requests for debt validation. I am filing this complaint against both FBCS, Inc. and XXXX XXXX XXXX XXXX XXXX as my rights have been violated. Please, help.

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