vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-03-03 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Freedom Mortgage Company
State: FL

Complaint narrative:
Freedom Mortgage grossly and negligently estimated my escrow amount over the past few years and ended up with a shortage of nearly {$2000.00}. They now want me to pay in full for their inept skills, increasing my total monthly mortgage payment by nearly {$250.00} and adding a tremendous hardship. Freedom Mortgage is now demanding this additional payment under threat of reporting me to the credit bureaus and charging late fees. Their use of position and authority to try and intimidate me is both discouraging and serves as one of the many reasons for this complaint. If this information is published publicly, please let this serve as a warning : Freedom Mortgage deals dirty. 

Also worth noting is their sudden insistence ( at the same time of this so-called " escrow shortage '' ) to refinance my home or else take out an equity line. I believe they are using this " shortage '' as leverage to fish for more business.

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 2015-04-15 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Concord Resolution Inc (Closed)
State: CA

Complaint narrative:
I HAVE RECEIVED PHONE CALLS AT MY PLACE OF EMPLOYMENT AND THE NUMBER HAS LEFT GENERATED VOICEMAIL MESSAGES STATING THEY HAVE ATTEMPTED TO REACH ME XXXX TIMES..IF I WOULD LIKE TO RESOLVE THIS ISSUE PLEASE CALL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-12 00:00:00
Product: Credit card — 
Issue: Late fee — 
Company: SYNCHRONY FINANCIAL
State: MN

Complaint narrative:
I purchased a bed and financed it for no interest with equal monthly payments through synchrony bank. I have been faithfully making my payments each month for about a year and a half. Last month I rcvd a bill that stated that I did not make my XXXX payment. I thought I had made it but did not give it much thought as I had a death in the family and a lot going on. I made an extra payment in XXXX to make it up. Then last night XXXX/XXXX/15 I rcvd a call from synchrony bank stating my account was past due. So I kept them on the phone and logged into my bill pay account. While going over the payment dates with the clerk I saw I did make my XXXX payment on XXXX XXXX. She stated that since I made the payment before my statement generated they applied it to the balance and stated I had a late payment and charged me a late fee. Not sure how, but I ended up having XXXX in late fees added to the account. Well after several phone calls from out of the country they refused to fix anything they just wanted their XXXX, likely to hit their " goal ''. I called this morning and spoke to a customer service rep in the XXXX. He did fix the issue and removed the late fees. However, he did tell me that this happens to a lot of people. I felt like this was a fraudulent way to try to make money off of my account as it is a no interest account. If I had not noticed or rcvd the phone call I may have paid it even though my payments were never late!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-06-18 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: SUNTRUST BANKS, INC.
State: NC

Complaint narrative:
I have been trying to obtain a mortgage from a financial institution for over 3 months. In this time frame, they have requested irrelevant and personal information, neither of which pertained to my loan. I have gone above and beyond providing whatever they asked for to the best of my abilities until I had finally had enough and told them they were invading my privacy. I have an almost XXXX credit score and no debt on my credit report. I have been dragged along and promised on XXXX specific occasions that I was 100 % approved only to be followed by " and now we need this, BUT you 're still 100 % approved ''. I fear I am going to lose the home I am trying to purchase due to their outrageous demands for irrelevant information and being dragged along for over 3 months. If I choose to go with another lender, I will be out over {$18000.00} due to rates rising as well as the money I have put into all the appraisals and inspections I have already put into the home. Approximately a week and a half ago I was surprised with a call from the lender demanding I produce a document that the sellers claim does n't exist. It is a " XXXX road maintenance agreement '' and I was being forced to draw up a petition and have all my neighbors sign it and the purchase of this home I 'd like to buy is contingensign people I do n't know and that do n't know me signing this agreement. I do n't feel this is fair to place the fate of this home on my soon to be neighbors who have already supposedly not agreed to sign the made up form. I 'd like to report SunTrust for false representation and fraud and if they do not approve me after all this time and I 'll be out so much more money, I 'd like to some how getthat back as well to put towards my new loan. Time is of the essence on my loan given that my closing date is XXXX XXXX. Thank you for all your assistance.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I have a financial hardship that started XX/XX/XXXX. By XX/XX/XXXX, I started falling behind on my mortgage with Wells Fargo. I immediately contacted my servicer stating that I was having financial difficulties. XX/XX/XXXX, they proceeded with the forclosure process. I responded immediately that I wanted to bring my loan current and stated that I needed a repayment plan to catch up, but they denied my request along with all my previous requests for a forberance plan and repayment plan. I was denied of my legal right to bring my loan current. Instead, I was railroaded to different departments for several months without a cleaar answer, neither in writing or by telephone. I contacted XXXX, attended their conventions several times without success of achieving a repayment plan. They only offered loan modifications or relocating assistance. This whole time, all of my requests have been ignored. It has always been my intention to pay my mortgage and continue with the loan terms as they are. I am holding Wells Fargo responsible for ignoring my request and their delaying tactics that cost me an enormous financial harm and the possibility of losing my home.

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 2017-03-27 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Portfolio Recovery Associates, LLC
State: WA

Complaint narrative:
My step son used my information to obtain this credit card

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-08 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: SLM CORPORATION
State: NJ

Complaint narrative:
I currently have a student loan account with the lender Sallie Mae in the amount of approximately {$27000.00}. Since my loans have come due, I have made timely and consistent payments on my account and have kept my account current and in good standing. 
I have contacted their customer service department multiple times in an attempt to gather information as to what repayment options are available to me in the event that my employment status changes or my income significantly changes, causing me to no longer have the ability to afford my current minimum monthly payments. I have been told by multiple representatives, including my loan supervisor, that while my account is current the only option they can discuss with me is the option of a hardship forbearance. I have explained that I would like to avoid this option, and have requested information regarding any other options which may exist, but have been told that until my account is past due or defaulted upon they will not disclose information pertaining to any other options available. They have indicated that were my account to become past due or defaulted upon, their collections department would contact me to discuss available options for adjusted repayment, but so long as my account is current they will not. The explanation I received as to why no further information could be provided was that providing such an explanation may motivate customers to purposefully default on their loans to take advantage of these repayment options. 
As a customer in good standing attempting to take a proactive approach to my loans in a time of uncertainty with regard to my employment and income, it seems rather counter-intuitive that I can not receive information regarding my repayment options until I am in default, because providing me with the information they are withholding may cause me to purposefully default on my loans. It seems that the only way to obtain the information I seek is to do exactly what the lender is supposedly trying to prevent, and allow my loans to become past due. I would really like to avoid any delinquency on my account, which is what spurred my contacting Sallie Mae regarding this situation in the first place, however it appears that their repayment system is designed to reward borrowers who fall delinquent and punish those borrowers who find themselves in uncertain circumstances who yet wish to remain proactive in their repayment with a lack of information and a firewall of bureaucracy and policy.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-11 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: PNC Bank N.A.
State: PA

Complaint narrative:
On XXXX XXXX, 2015, I logged on to my PNC account from home to pay my bills online. I have XXXX accounts, XXXX XXXX and XXXX XXXX. I selected the Virtual Wallet account and then proceeded to pay my bills. The next thing I knew, on XXXX XXXX I received an email saying that my Standard Checking account was overdrawn. I logged onto My accounts and XXXX of the bills had been paid from my Standard Checking. I, at no time, selected Standard Checking as the account I wished the bills to be paid out from. I was charged XXXX {$36.00} overdraft fees. I contacted PNC about this. They directed me to the Online Escalated Service department. Their representative stated she understood what had happened but her system would only permit her to refund XXXX {$36.00} overdraft charge. She stated that because I had had XXXX overdraft charges refunded to me in the past 12 months there was nothing she could do. I do not recall having been refunded that many overdraft charges. Maybe XXXX or XXXX but even if I was I do not see why I have to pay anything in this instance when this was not my error. I informed her that I would be pursuing this because it appears to me that the system defaulted to my Standard Checking in the middle of doing my bills and if this is the way it happens, then the consumer is set up to fail. XXXX of my bills did come out of the Virtual Wallet account then switched over and took the next XXXX out of my Standard Checking. I did not do this. Why would I suddenly, in the middle of paying my bills, switch over to the account that did not have the funds to cover them?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-29 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: SLM CORPORATION
State: CA

Complaint narrative:
Im the mother who paid the student loans, of my sons, XXXX, the loans was paid, but sallie mae, did not report It to the credcredit bureau, they told me, to call XXXX, and I did called andthey said that it should be sallie mae who should report it tothe XXXX credit bureau, they sallie mae, damage my reputationto the XXXX credit bureau.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-05 00:00:00
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: Element Global Services
State: IN

Complaint narrative:
COLLECTOR LEFT A VOICE MAIL WITH INFO TALKING ABOUT LEGAL ACTION SO I CALLED AND WHEN I CALLED THERE WAS WAS NO MIMI MIRANDA NO VERFY OF THE ADDRESS THE COLLECTOR WAS GETTING REAL RUDE AND HUNG ON ME ... SO I CALLED BACK I ONLY SAID MY NAME AND THE LADY JUST WENT IN TRYING TO TELL ME WHAT I OWE I SAID I WAS DISPUTING AND I WILL FAX THE INFO ... THEN I THOUGHT I WORK AT A COLLECTION AGENCY AND I NEW IT WAS A VIOLATION AND TALKED TO MANAGER AND HE GAVE ME THE INFO

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-19 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: MIB Group, Inc.
State: CO

Complaint narrative:
I requested a report from MIB after I was turned down for insurance by XXXX XXXX XXXX. XXXX After a reconsideration request by me XXXX approved a higher cost " rated '' insurance plan. 
The XXXX code symbol translation in the MIB report states that I am currently under treatment for XXXX XXXX I am not currently being treated, nor have I ever been treated for XXXX XXXX. I have a steady and healthy XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-18 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: SLM CORPORATION
State: OH

Complaint narrative:
While in college at a public university, and having scholarships, grants and small amounts of federal loans, my brother and sister died in a car accident, I moved home right after. I transferred and began taking my classes online, I took out some loans to cover this, My step-father and mother promised to help repay them. They just started a business and it was on its way to becoming profitable. My mom all the sudden and became very ill, she was the cosigner on my sallie mae debt ( about $ XXXX ). Sallie Mae harassed me after she died to pay the loans in full and I made full payments for a year or so, I was about a semester away from graduating with my XXXX but could not because of my mother 's death. Then my step-father fired me, took all of my mother 's estate ( I was unable to afford a lawyer at the time ) and kicked me out of his life, I was homeless for awhile and I managed to get a new job and pay as much as I could on my loans. Sallie mae is harassing me at my new work, and calling me all the time. Many times they are very rude and do n't offer me anything, one time they reduced my payment and said it would bring my account up-to-date and it has not. They lied to just get some money from me. I am struggling and every time I call - they are very rude. I wish I could change the situation and be able to pay. I am struggling.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-22 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: SLM CORPORATION
State: OH

Complaint narrative:
I cosigned on a student loan for my Brother and he failed to make a single payment, which was due on XX/XX/XXXX. On XX/XX/XXXX, I began receiving automated phone calls from Sallie Mae, reference " A business issue '' and directing me to call a number they provided in the message. Due to ongoing fraudulent activity with such calls, I did not return the call, however, I did check the account and noticed the account was a few days past due. I contacted my Brother and a full payment was made. After making the payment, I received three more automated phone calls from this company, each one to one and a half hours apart from each other. This type of harassment is unacceptable and is taken as telecommunications harassment and in violation of FTC regulations. To receive constant phone calls such as these every hour to hour and a half if a violation of it 's own and taken as harassment, but to receive NUMEROUS phone calls AFTER the payment is made is ridiculous.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-24 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: Consumer Portfolio Services, Inc.
State: OH

Complaint narrative:
I was assigned account number XXXX for a XXXX Nissan Rogue in the amount of {$11000.00} from XXXX /Consumer Portfolio Services XX/XX/XXXX I never received tile and ultimately the vehicle. When I inquired about this account I was told XXXX XXXX XXXX was ultimately responsible for the vehicle and suit was filed against the company. I was told I would receive in writing a letter to present to the credit bureaus removing this debt as part of the class action lawsuit against consumer portfolio. During the investigation two years ago it was determined that the vehicle in fact was never registered and the loan and title was not properly processed by XXXX and Consumer Portfolio and the vehicle was in XXXX XXXX XXXX possession. 


Again, I am asking for this account to be removed from my XXXX credit report as it has already been removed from my XXXX and XXXX. Please send in writing to my address below when this account has been removed. 

XXXX XXXX XXXX XXXX XXXX XXXX . 
XXXX, OH XXXX SSN # XXXX DOB : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-20 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: SLM CORPORATION
State: FL

Complaint narrative:
I am legally XXXX. They knew my condition when I went there, they told me I can find a job, make enough money $ XXXX or more per hour. and they help to find a job.they promise to me I 'll be a XXXX after graduate but the reality is to be a XXXX people need many years and the salary in normal XXXX is {$9.00} per hour. 
They only want me to take a student loans and they help to file forms. They accepted me also without a high school diploma I do n't have. I never graduated. 
I an receiving SSi from the goverment and food stamps, I don ' t have money to pay. 
For the Federal loan I amapllyg for a forgivness. 
All the tests I presented during the classes were excellent even I knew all the answers were wrongI have been victim of a fraud XXXX. 
They lied, any XXXX in Usa can hire me because I am blogging nd for safety policies, and insurances companies do n't allows put people on risk. 
The XXXX did n't give any of the contracts with them neither loan papers, neither svholl books or any material if the classes in audio or big print fir ne to read. They accept me only to get a comission for a student enroled. 
I have my XXXX certificates U am legally XXXX, and I went to thevinterview XXXX with a friend. 
I am receiving Ssi help from the goverment and food stamos, i can ' t get a job and tcosigner ca n't affiraffirdto pay the loan. 

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL 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 2017-04-03 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Consumer Portfolio Services, Inc.
State: VA

Complaint narrative:
On XX/XX/2016, I requested a cease and desist letter with the lenders of my car loan, Consumer Portfolio Services. I have also requested that I do not receive and text or automated call from this company. I have never been over 15 days late on my car loan and while I understand that this company has a right to inquire on a debt but the numerous calls, sometimes 3 or more a day is simply out of control. This company has continued to ignore my request and I want it to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-05 00:00:00
Product: Debt collection — Mortgage
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Advanced Collection Bureau, Inc.
State: NV

Complaint narrative:
On XX/XX/XXXX at approximately XXXX I received a call from XXXX XXXX with advance collections bureau in regards to account XXXX creditor XXXX XXXX {$1700.00} I was very confused when I received his call I had no idea what he was taking about I asked XXXX to please provide documentation for what he was taking about he later sent me an email with a move out invoice a lease agreement from XXXX XXXX apartments after I review the information I recognize the account o signed 6 months lease for apartment number XXXX XXXX XXXX with XXXX XXXX apartments in XX/XX/XXXX. 2 weeks into the lease the apartment upstairs cought on fire and I was ask to move out because my apartment had water damage and the roof could collapse. Now a year later I receive a call from a collection agency claiming I have a past due balance with XXXX XXXX apartments for apartment number XXXX please note I never signed a lease for apartment number XXXX. The lease I sign was for apartment number XXXX. Today XX/XX/XXXX I received another email from XXXX with a different amount of {$1000.00} but again no lease agreement for apartment number XXXX. He sent me a copy of the lease agreement for apartment XXXX where it shows clearly that someone changed the number XXXX to a XXXX. Please see images below.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-02 00:00:00
Product: Student loan — Non-federal student loan
Issue: Getting a loan — Qualify for a better loan than offered
Company: SLM CORPORATION
State: ID

Complaint narrative:
I am a co-signer on my son 's private student loan. He is entering his senior year of college and just filled out the paperwork for his last loan through Sallie Mae. The prior two years the fixed interest rate XXXX with me as a co-signer ) was 6.25 %. This year, the interest rate has increased to 9.25 %. When I talked to a manager, she said that the prior XXXX loans on my credit history made the interest rate go up. I have a good income, little debt and feel like Sallie Mae is just taking advantage of the fact that they have a near captive audience and can therefore raise the interest rate by 3 %, even with a co-signer. My son is attending the University of California XXXX. He has another undergraduate degree, so does n't qualify for federal loans.

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