vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-09-20 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company
State: AZ

Complaint narrative:
First, I am a XXXX XXXX XXXX XXXX Veteran on a fixed income of {$3300.00} per month, with a VA Loan and payment of $ XXXX monthly. I have been trying to get assistance for over a year since I lost an income amount of {$940.00} per month that I had been receiving. This is what caused me to fall behind. Please see hardship Letter and letter from Housing Counselor at XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX. I went to XXXX, on XX/XX/XXXX at which time I was XXXX payments past due on my mortgage. The Housing Counselor submitted for a modification on XX/XX/XXXX when documents were reviewed I was declined for insufficient income. It was at this time I contacted my VA Rep-XXXX XXXX. XXXX discovered that they had doubled my car payments ( two cars ) which caused me to be disqualified. Once this happened, and the VA informed Freedom Mortgage, I was asked to submit again, which I did on XXXX, and again I was declined on XX/XX/XXXX for not enough income. Since our house was scheduled to foreclose originally on XX/XX/XXXX it was postponed. My wife, XXXX started working onXX/XX/XXXX for the additional monthly income of {$2100.00} which should qualify us for the modification. We do not want to lose our home. In addition I would like to tell you that XX/XX/XXXX has made many mistakes in my case review -- example ; Asking for wife to sign all documents, and actually had already been sent in to them, they requested a letter as to how much my wife was going to contribute of her pay to the housing expense, also sent in on a notarized Non-Borrower Form also had been overlooked. It make me feel like they do not want to help me and are discriminating me because I am a XXXX veteran. PLEASE HELP I NEED THIS MODIFICATION, I have XXXX kids and this would traumatize them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
My credit report has the incorrect employer listed -- an employer I last worked for 14 years ago.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-20 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: MO

Complaint narrative:
Loan was initiated on XX/XX/XXXX for {$7400.00} with XXXX XXXX in XXXX XXXX, MO which became One Main Financial. In XX/XX/XXXX, experienced financial difficulties and contacted XXXX XXXX XXXX. They were responsible for negotiating the interest rate and payment amount with creditors including One Main. After one year with XXXX, we got back on our feet and began making payments to One Main our selves. It was later on that I noticed that all of our payments were going to interest. I have contacted the company twice and they seem unresponsive with all my payments going to interest. As of XX/XX/XXXX, the balance on this loan is {$5400.00}. I have made over {$17000.00} in payments. The total amount of payments on the original contract is {$15000.00}. I have been late on some of my payments but this amount seems ridiculous. I have had XXXX XXXX, I have XXXX, and I can not work. I submitted a letter to One Main asking for some compassion with this issue. But they refused to do anything. So I decided to contact you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: FL

Complaint narrative:
XX/XX/XXXX I BORROWED {$67000.00} FROM XXXX.. TO THIS DAY THEY HAVE SAID I BORROWED {$210000.00}. MY MORTGAGE PAYMENT WAS {$1800.00} PER MONTH.
I WROTE THEM AND ALSO CALLED THEM AND TOLD THEM I COULD NOT PAYMENT AMOUNT OF MONEY PER MONTH MY INCOME WAS NOT COVERING THAT. THEY TRIED TO FORECLOSE ON ME IN XX/XX/XXXX. I HIRED XXXX XXXX XXXX OUT OF XXXX FL/XXXX XXXX FLORIDA. WE WENT TO COURT OVER THIS MATTER AND XXXX THEN SOLD THE MORTGAGE NOTE TO PENNYMAC LOAN LLC. PENNYMAC CONTIUED WITH SAME PRACTICE THAT XXXX HAD PERFORM CONCERNING HOW MUCH I OWED BACK. THE AMOUNT WAS NOW {$1400.00} PER MONTH. THEY LATER MODIFIED THE MORTGAGE MONTHLY TO {$1100.00}, JUST RECENTLY ( XX/XX/XXXX TO XX/XX/XXXX ) SINCE XX/XX/XXXX I CONTACTED PENNYMAC AND TRIED TO REASON WITH THEM ABOUT THE {$1100.00}. XXXX  BIENG TO MUCH. WED., XX/XX/XXXX IN FORMING ME THAT THEY HAVE SOLD THE MORTGAGE TO XXXX XXXX XXXX CUSTOMER SERVICE DEPT. XXXX XXXX XXXX XXXX  XXXX XXXX XXXX IL XXXX/ PAYMENT OFXXXX XXXX XXXX XXXX XXXX XXXX TX XXXX. PENNY MAC TOLD ME THAT EVERY TIME THE NOTE IS SOLD THAT THE BUYING COMPANY ADD TO THE PRINCIPAL MAKING THE AMOUNT OWED GREATER WITH EVERY BUYERS PURCHASE OF THE NOTE. WITH XXXX BACKING PENNYMAC WITH SAME STATEMENT. I WENT FROM BORROWING {$67000.00} TO OWING {$21000.00} PRESENTLY. LOAN # XXXX NOW THE ESCROW THAT I WAS PAYING ING MY PAYMENT HAVE BEEN CANCELED, WITH XXXX XXXX XXXX. IT IS NOW MY RESPONSIBILITY. IF MY ESCROW IS PAYED UPTHEN WHY DID INOT RECEIVE THE OVER PLUS?????

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
This issue was discovered today XXXX2017. I reviewed my account online and noticed a charge of {$140.00} from XXXX XXXX XXXX XXXX ( XXXX, TX ) which I did not authorize. I called my Bank Navy Federal Credit union to ask that the charge be reversed. I was told that even though the funds had been pulled from my account I would have to wait for the charge to post. I told the bank I did not authorize this charge from XXXX and that this is theft. I concluded my business originally with XXXX in XX/XX/XXXX. My Insurance company XXXX  procured a rental for me due to hail damage on my vehicle. I was charged a {$50.00} dollar deposit on my card which was returned a week after I returned the vehicle. I did not authorize the {$140.00} nor received any correspondence that these charges would be made to my account. I expect restitution of the full {$140.00} taken from my account without my permission. It continues to amaze me that companies are allowed to engage in theft without consequences. Thank you for your cooperation and assistance regarding this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: M&T BANK CORPORATION
State: PA

Complaint narrative:
To whom this may concern, I signed up for an M & T Bank Checking account on XX/XX/XXXX with the promotion code XXXX, which stated in the mailer that I would receive a promotional {$200.00} Bonus upon a direct deposit of {$100.00} to my checking account by XX/XX/XXXX.
I have met the terms of the offer by making the direct deposits to my account. However, I have not received the {$200.00} bonus as advertised.
I reached out to M & T bank on XX/XX/XXXX in regard to the {$200.00} not posting to my account. I received an e-mail back from XXXX from M & T Customer Service stating that I am not eligible for the offer since M & T Bank claims that my name was not included in this offer.
This is unacceptable. No where in the terms of the signup offer does it say that I would not be included. I switched banks from XXXX XXXX to M & T for this promotion and M & T is not holding up their end of the agreement.

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 2017-09-20 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: HEARTLAND PAYMENT SYSTEMS INC
State: MI

Complaint narrative:
From XX/XX/XXXX -XX/XX/XXXX I attended XXXX XXXX XXXX University (XXXX). During my time at XXXX, I was extended private loans from the university that totaled $XXXX to help with my XXXX debt. I returned to XXXX through XXXX for XXXX XXXX.My first payment (following Grace) was due on XX/XX/XXXX, and I have diligently made monthly payments on my loan since then.While the loan has long been serviced by ECSI -- which was acquired by Heartland Payment Systems in XXXX  (XXXX).Recently, Heartland/ECSI updated their website and payment systems for all online payments. Previously under ECSI, all student loans payments could be made by making a "direct payment" from a checking or savings account without incurring a fee. I have elected to receive electronic correspondence from  Heartland/ECSI, so I would always make a payment after receiving an electronic notification of a bill.However, after recently Heartland/ECSI updated their website and payment system in XXXX/XXXX to expand the number of ways they can charge debtors service fees.Previously, debtors could make a one-time payment from a checking or savings account without incurring a fee. Now, Heartland/ECSI charges a $XXXX service fee to make a one-time payment from a checking or savings account (while strangely waving the fee if the payment is set to re-occurring).This seems to be an unfair manner in which to try and extract additional service fees from consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
Charging me XXXX dollars for not having money on my bank account I recently lost my job and my account dipped below XXXX for a day and I was charged making it hard to make ends meet XXXX they ( TD bank ) are blocking me from using 3rd party apps from accessing my financial information MY INFORMATION

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-09-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONSTAR MORTGAGE LLC
State: CA

Complaint narrative:
Our mortgage was through XXXX XXXX XXXX. XXXX sold our paper to NationStar. We received notice of the new name and address to send our payments to. As we were in bankruptcy at the time, we received no billing statements to show the amount due or credits being applied for 2 or more years. We had been paying {$1400.00} each month. Not once did they ever inform us that our payment amount was actually {$1400.00}. We had transposed a number and it was never corrected. Then in XX/XX/XXXX our bankruptcy attorney gets information that we are over {$5500.00} in arrears and that we had n't paid our mortgage since XX/XX/XXXX. We sent all the proof that we were paying our bills and every person and attorney that our attorney spoke with had a different explanation and amount that was due. Needless to say, we determined that it was the difference between the {$1400.00} and the {$1400.00} that had actually caused the shortages and brought our account 100 % current in XX/XX/XXXX. Now on XX/XX/XXXX we get 3 letters dated within 1 day of each other advising us that we are in arrears {$5200.00} which is money owed since XX/XX/XXXX. They are trying to steal our money and steal my home! They also claim that they are sending documents certified mail and they are not. No one signed for anything and it was delivered in an envelope with our regular mail. They are now calling themselves XXXX XXXX. They are threatening to foreclose on our property and we are not even 30 days late to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC.
State: TX

Complaint narrative:
Hello my name is XXXX XXXX, I am writing you because AFNI creditor is showing up on all three of my credit report. It is a XXXX XXXX XXXX bill in the amount of {$100.00}. I pulled my credit report a couple of weeks ago and I noticed this collection in my credit file. I called AFNI because I never opened an account with XXXX XXXX XXXX. The account is under XXXX XXXX and my name is XXXX XXXX. I have called several times trying to get this issue resolved. To add insult to injury the representatives I spoke with were extremely rude! This is not my collection account and it is ruing my livelihood. I am a victim of " IDENTITY THEFT '' I also a victim of Hurricane XXXX. I lost everything I am trying to get my life back on track. I am asking you to please assist me in this matter. This is not my collection and it is not fair for this collection to be reporting on all three of my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
Today : I went to the ftc site to get information on putting a security freeze on my credit reports. 
Equifax 's online site told me my credit report was probably compromised so I tried to put a freeze on my Equifax report. My effort failed as their phone system put me on hold for an unreasonable amount of time. I went to the other credit bureaus ( XXXX and XXXX ) listed on the ftc site. One told me I had to submit a request in writing ; the other told me about fees as well as a complicated route to initiate a freeze. Please tell all three bureaus to streamline and simplify the credit report security freeze process.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
I paid my final bill to Citibank for credit card debt that they claim was received two days late. I claim it was not. In any case, they have been charging me {$35.00} a month plus interest and the total debt now is {$150.00} and I tried to speak rationally with them and they would not have it.

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 2017-09-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I am attaching a credit report from XXXX XXXX XXXX my lender is using for a mortgage loan I am in escrow for. Capital One / XXXX XXXX XXXX is showing 90 day late delinquencies in late XX/XX/XXXX and early XX/XX/XXXX that are unequivocally false and incorrect. I was not late at all during those times, in fact, the account has been charge-off since XX/XX/XXXX. Their ca n't possibly be lates after an account has been charged-off. 

I am in a dire situation as my mortgage process is completely on hold until I clarify the error, and prove to my lender that the 90-day lates reporting are absolutely incorrect and did not occur on the dates reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: U.S. BANCORP
State: MA

Complaint narrative:
On XXXX2017, I visited the XXXX XXXX ( FL ) XXXX XXXX XXXX. It smelled like feces, had a broken bed, 1/2 '' of dirt on the baseboards, and a toilet which did not operate properly and flooded all three rooms of the hotel/motel unit. At checkout, I was refused any credit for the problems/inconvenience. I called Elan Financial, as the card issuer of my Fidelity Signature Visa Card, complaining of the poor quality service and lousy hotel/motel operation.
When I returned home I was notified that I was not permitted to file a complaint since, " The purchase must have been made in your home state or within 100 miles of your current mailing address ''. Since I live in XXXX, MA, my right to dispute the transaction ended as I drove through Rhode Island. Additionally, I immediately realized that Elan Financial will not cover any of my Internet transactions from XXXX, XXXX, or XXXX.
I believe this limitation by Elan is unfair and deceptive. If Elan Financial does not allow the dispute of transactions beyond a 100 mile radius, I believe its ability to conduct sales transactions and business should also be limited to each cardholders " home state '' or the stipulated 100 mile range.

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 2017-09-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DE

Complaint narrative:
on XX/XX/XXXX I called capital 1 regarding XXXX and I was advised they would be removed all but XXXX which was acceptable as I have had terrible problems with capital one and their sleazy banking so I deducted XXXX from my balance and sent a ck for XXXX. I received my new statement and found I had a balance of XXXX this looks like interest on top of interest.I thought that was illegal! Called to have the interest removed to XXXX out the balance and was told it could not be done .Called again today and was told the same thing system would not allow. XXXX can only be removed 3 times in a year!!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
I checked my credit file and noticed that I have over XXXX Inquiries that I do not recognize. I have not authorized any one to access my information. I have called and mailed letters to all of the inquiries to let them know that these are fraudulent inquires on XX/XX/2017. I have not heard back from either of them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AZ

Complaint narrative:
I submitted a request back in XX/XX/XXXX to deactivate the overdraft protection between my checking account and a credit card account I have with USAA. The overdraft protection did not work as I thought it would ; it offered no financial benefit to me and it actually cost more money to utilize. On XX/XX/XXXXthere were financial transactions that processed on my checking account. I realized there were not sufficient funds in the account to cover all the transactions, therefore I transferred money from my savings account to cover the transactions on my checking account. Inadvertently, USAA utilized the overdraft protection, which I was not aware remained active on my account. OnXX/XX/XXXX I was advised by XXXX XXXX that he would resolve this matter. Since that time I have left weekly messages for XXXX XXXX, with no response. Additionally, my credit card was assessed additional interest fees onXX/XX/XXXX USAA did credit the interest that accrued for the month of XX/XX/XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-20 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: GVA Holdings, LLC
State: PA

Complaint narrative:
I obtained this loan not realizing how bad the interest rate would really be and what it would mean to me. My loan initiated on XX/XX/XXXX. I eventually made arrangements to pay what I owed off at the rate of {$100.00} a month. I have been doing this for the last 6 months. I have more than paid the amount that I owed yet I still owe {$710.00} as of today.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: GA

Complaint narrative:
I have previous filed a complaint against Navient on XX/XX/XXXX. you closed the case when they lied about not getting my documentation. They were mailed the same ten documentations that I sent to the CFPB. OnXX/XX/XXXX I placed the envelope containing all ten documentations in our XXXX XXXX Post office because I needed to get the correct amount of postage required to mail the package. Navient has began to implement harassing calling on XX/XX/XXXX @ XXXX XXXX XXXX and again on XX/XX/XXXX @ XXXX XXXX. I called XXXX XXXX in XXXX Ga. I was told they do not handle student loan complaints for senior citizens over XXXX years of age.
I have been sending my documentations to Navient before and there has never been a problem getting my information. I talk with Supervisor XXXX, who continue to lie that they did not get my information. It 's strange after they supposedly did not get my information I received a letter from XXXX  concerning my Public Service Employment loan forgiveness application. It was datedXX/XX/XXXX.I called them and was told the I needed to contact Navient because they were servicing my student loan.The public service loan forgiveness application was one of the ten documentation that I sent to Navient onXX/XX/XXXX.

Company response to consumer: Closed with explanation