vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-07-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Chase told us we would receive 1/8th lower on our interest rate if we were a preferred client, so we moved our retirement savings over to Chase so that we would qualify. We were told the rate would be applied after closing and we locked in our rate at 4.25 %. After closing they did not honor the rate, and told us we didn't have enough savings to get the better rate. When i showed him the message he previously sent me saying we would get it, he said he would see what could be done. I got tired of going back and forth with the loan officer and 3 weeks ago called his manager directly. He said a file was open and they were working on it and would get back to me after a week. A week pasted and no response, I called and left a message but still no response. We closed on our house over a month ago now and Chase has yet to do anything or return my calls. In addition to this the bank messed up our closing by not funding the correct amount. They were short {$1400.00} and we never closed on Friday and couldn't get the keys to our house for two days until they admitted their mistake and let the title company know it was an error on their end. Chase promised to get some money back to make this up to us, but we never received anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-02 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: DC

Complaint narrative:
In early XX/XX/XXXX I was informed by my student loans servicer, XXXX XXXX XXXX XXXX Wisconsin that they would no longer be servicing my loans and that Nelnet would assume the servicing of my loans as of XX/XX/2018. XXXX XXXX advised me that if I wanted to make additional payments on my loans I could still make it to them up to XX/XX/XXXX. I asked XXXX XXXX if I could pay off the smaller of my two loans in the total {$2700.00} and they advised me I could ; and that pay off information would be provided to Nelnet when the loans transferred. XXXX XXXX advised me to contact Nelnet and I did so in early XX/XX/XXXX. Nelnet acknowledged that the loan had transferred but that they did not see a pay off for the smaller loan. However, there still outstanding files to be transferred and I should contact them again later in XX/XX/XXXX. On XX/XX/XXXX I signed in onto my Nelnet account and discover that there wasn't any information about my pay off of the smaller loan. My account was still showing two loans, both at 3.75 % interest rate. I called Nelnet and the representative that took my call informed that thee wasn't a pay off of the small second loan. I protested and she put me on hold twice while she investigated. At the end of the second hold, she informed that they had received a payment for {$2600.00} which had been applied to the balance of the larger loan ( for my son ) and that there hadn't been any notes to apply it to the small loan second loan. I vehemently protested that I had explicity and lenghty discussion with the XXXX XXXX rep that these monies were to pay off the small loan. Nelnet rep then said she contact acounting about reversing the payment but would not guarantee it would be done. I live on a fixed income and these monies were gifted to me at my XXXX   birthday for a trip around the country. I chose instead to get rid of the small loan and its onerous interest rate. Yet Nelnet decided that they do what benefits them without regard for my intents. They are thus holding me in financial bondage and making it more difficult for me to meet the payments on both loans. I implore your good offices to intervene and have Nelnet correct this malfeasance on their part. Most sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: LEXISNEXIS
State: CA

Complaint narrative:
I have made multiple calls from XX/XX/2018 and submitted documents and each time I've been told by a CSR that the incident is still under review, but that they will escalate this incident to a supervisor.

Federal Law requires that you provide mechanisms to ensure that each item in our report actually belong to us. In addition, we have provided you with additional documents and information shows differently. This information is, once again, included below. Therefore if the reported items are inaccurate, misleading or incomplete ; you may have violated the Federal Law.

Also, we requested this investigation on XX/XX/2018 and now it is almost 90days. This also violates the 60 days period to complete the inquiry. I expect you to conclude this investigation immediately. If you have any questions, please let me know.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-02 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Account Managers, Inc.
State: WA

Complaint narrative:
I contacted XXXX XXXX and told them I wanted to lay my debt of XXXX   dollars and change. I was then told it was already in their legal department and their lawyer filed a case so I owed interest and lawyers fees. I was then told rudely if I dont show up on Monday XX/XX/XXXX to pay I was done and would be taken to court. I contacted the law office and the secretary had no idea what I was talking about cause they do injury claims.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BBVA FINANCIAL CORPORATION
State: OH

Complaint narrative:
I linked an external account to my new account at BBVA Compass and did a transfer of XXXX dollars. I didnt see the withdrawal on my online banking so I called XXXX and learned that they allow ACH deposits but not withdrawals. I notified BBVA both over the phone and via online banking about the problem. I also did a XXXX XXXX direct to bank deposit for XXXX dollars and another for XXXX, the account was never overdrawn and I continued to use it. Several days later I was told the account would be closed due to fraudulent ach transactions I disagreed with that stance but I dont have any recourse with their decision. Now I just want the funds sent back to me. Its been more than two weeks and I cant get an answer from BBVA compass on where the funds are or when I will get them.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-07-02 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: WEBSTER BANK, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
I want to file a complaint against Webster Bank. Without my consent or prior knowledge and without any checks written against my account by myself or others, on Friday night XX/XX/XXXX, webster bank processed a check against my checking account for {$990.00}. My account only had {$970.00} in it. So they set my balance to XXXX. I was notified on Saturday XX/XX/XXXX of the withdrawal from my account and I called their XXXX number on Saturday morning. I was told that it was their mistake and that the department responsible for the error could not be reached until Monday. I was also told that they would contact that department on Monday and that by the XXXX I should see the money back in my account. When I called on Monday XXXX, I was first told that they could not get in touch with that department but they would call me back once they did. I did get a call back later today, informing me that the funds would be put back in my account on Monday night after XXXX.

The funds that I just received on Friday morning from my paycheck were not available to me for 3 days, one a full business day. This is not an acceptable way to do business. How can they clear out someones checking account and not correct the error for 3 full days? How can this be acceptable. As of this writing I am still waiting for the error to be corrected tonight after XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-02 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: CREDIT ACCEPTANCE CORPORATION
State: NC

Complaint narrative:
Credit Acceptance has been calling my wife on the due date of our payment until they receive payment 3 or more times a day. Not only do we pay for our car we pay it and have never missed a payment or slow paid. They charge us up to {$12.00} to make a payment which to me is fraud and its something we were not made aware of when we bought our vehicle. I talked to someone today and Credot Acceptance and they stated they are not a primary lender so they dont have to stop calling. You guys need to do your job and enforce what the trade commission has laid out for these companies. I feel sorry for people who dont make their payment for what they do to them and harass. I was clear on my phone call to them. I stated what the FTC says they can and cant do for collection practices. They more or less said we dont care. We will do what we want. In that case I will too. So Im giving you an opportunity to fix this problem before I take the matter into my own hands.

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 2018-07-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: HYUNDAI CAPITAL AMERICA
State: UT

Complaint narrative:
XXXX XXXX is reporting 2 late payments XX/XX/18 & XX/XX/18 on my credit after the loan was paid off. My car was totaled and was a full pay off the end of XX/XX/2018.

I paid my deductible and then XXXX paid off the XXXX loan. XXXX left a {$500.00} balance on there which I was never notified. SO I got the 2 late payments and it is not my fault.

I have disputed this and XXXX said it is for the Deductible I needed to pay. WELL I had already paid that in XX/XX/XXXX!!! SO they made me pay them again! SO I paid 2 {$500.00} deductibles!

I have proof I paid the deductible as advised and proof the car was paid off back in XX/XX/XXXX. There should be NO late payments on my credit this year and I need them removed.

They are in violation of the FCRA and the Debt Collection Practices Act,.

I have already contacted my attorney,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-02 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: NC

Complaint narrative:
Hi- I am a former Univesity of XXXX  School of XXXX student. I attended XXXX from XX/XX/XXXX-XX/XX/XXXX. I, unfortunately, had to borrow to finance my education. Federal loans were not enough to cover the full balance and I had to also take out private loans to cover tuition costs. I was in the process of refinancing my loans this week and noticed 3 " fees '' that were charged on 3 of my student loans titled " repayment fees '. These fees were charged in addition to the capitalized interest that accrued while I was attending school. The fees were around 5 % of the loan balances and totaled nearly 4,000 dollars. Of course that amount is then repaid, with interest, for 30 years. I'm actually afraid to calculate how much I'm actually paying for this fictional fee over the term of the loan. I have ZERO recollection of this fee ever being mentioned to me by anyone at any point in the process. Not during the application process or by the student loan office at the University of XXXX. Just shameful that they would be a part of it.

I've requested the loan disclosures and promissory notes on all 3 documents. That Navient and my University would be a party to this makes me sick to my stomach. Its criminal and should not be tolerated by our government. Saddling kids with enormous debt to get an education is bad enough- legitimately stealing from them through fine print should put people behind bars. I'd love to talk to someone at the CFPB or at a law firm that will handle a class action on this- that will be my next email. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
To Whom It May Concern, I have been disputing negative information on my credit reports that I owe Portfolio Recover {$1200.00}. I've sent them several dispute letters asking for Validation of the Debt as well as a copy of an original contract bearing my signature verifying that I owe Portfolio Recovery that debt. I've included dispute letters in this complaint as well as Portfolio Recovery 's Response. They never sent any information requested in the validation request, only an Itemized bill and letter from capital one stating they bought this dept. They are reporting this negative information on my credit report, which has lowered my score, causing harm to me financially. This has caused me to pay higher interest rates for insurance, store credit and denial 's of credit. They have violated the FCRA, FDCPA and the FTC. " As Per the FTC Opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill, a letter stating purchase of a debt or itemized document does not constitute verification. '' Also after I sent the 2nd dispute letter after there response to the 1st dispute, they still didn't verify or validate anything I requested. Their letter described my disputes as subsequent and the matter was closed as far as they were concerned and that they would not be responding back to further request and disputes and sent me a bill, while I'm still disputing this. See Attachments ...

" The Fair Debt Collection Practices Act states that a debt collector can not collect any amount of money that is not authorized by the agreement creating the debt or permitted by law. Because there is no agreement between the collector and the alleged debtor, no collection can be sustained '' See attachments.

Please review, because I'm sure that they are violating a number of Federal Laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Back in XX/XX/2018I had issues with my bank and proving my identity. I went to Identity theft hotline and reported the problem how someone else had my social security number and was getting credit cards, car loans, and retail cards under my social security. Once I received the recovery plan one of the steps was getting my credit report. I went on Equifax and created an account to receive my credit report and I was asked about 5-7 security questions that were not in any way related to myself. I ended up getting locked out of Equifax and now I'm having trouble trying to get my credit report for the recovery plan.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-02 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: Navient Solutions, LLC.
State: NY

Complaint narrative:
To Whom It May Concern, Hi, my name is XXXX XXXX and my loans are being handled by Navient. I have reported this problem before, to which they fixedthe problem. However, they have yet to fix this problem with other students ( including myself again ), as well as my other classmates.

To my understanding, when students obtain loans, students have 90 days to return the loan without any fees or charges occurring ( i.e. that loan amount does not accrue interest ). However, whenever I make return part of my loan to Navient within these 90 days, they apply some of the repayment to the net loan and some of it to the interest that has accrued. Ultimately, these means that the net loan amount is higher and students are paying more over time as the increased net loan creates more interest for students. 

About 1 year ago, I already created a complaint regarding this issue where they refunded me for the amount that was applied to the interest, and the additional interest that it created. Other students that I had warned about this issue contacted the company to which they said this problem has never occurred before and it was a simple error in the system. However, despite their awareness of this issue, they have still yet to fix this 'problem ' that is essentially generating more money for them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: General Motors Financial Company, Inc.
State: WA

Complaint narrative:
In XX/XX/2017 I became a payment behind it is due the XXXX of each month and I paid it on the first of the following month which made in the area of 15- 16 days late. They have been charging me a late fee of XXXX each month i have done this. I had no problem paying the late fee but around XX/XX/XXXX i found that they were not applying the late fees payments towards the late fees but to my principle balance. So my late fees started piling up. When i realized what they had done i sent them an email asking them to apply those payments to my late charges and not my principle balance. This was never done. That however is not what my complaint is about I received a call from them regarding the continued late payments and they offered me a deferment of the outstanding balance. We all agreed and two payments were deferred to the end of the loan. Now the next installment is due and the late fees are on there. I was told the balance including late fees would be deferred, so when i got my statement it had a XXXX late added to it along with the XXXX dollars in late fees i stilled owed. When i called them to point this out I first got the same story from the first rep i talked to then she put me on hold to review my account and a second rep picked up the phone and stated that late fees do not get deferred and that the XXXX   dollars i paid was for a deferment fee.

I understood that what the XXXX dollars was for and that i was instructed by there rep when I initially did this that they would be, I also told the rep that I did not have a problem paying the late fees of XXXX dollars still owed. my Problem was that they were charging me another XXXX dollar late fee for the late fees not being paid. So they were they charging me a late fee on a late fee. One not to sure if that is legal they say it is in the contract, however i do not believe you can contract away the rules or law, which i told i felt that the contract was in error and i just missed that clause if there, but i am paying for misleading information on there part and no where does it state that i need to clear the late charges, not even in the letter of verification they sent. I went ahead and payed the late fee with the new payment. But feel that this practice is not legal and defiantly not very moral all I wanted was the XXXX dollar late fee waived not to much to ask for their error I think. So know I turn to you to check out fi they can indeed charge a person a late fee on an outstanding late fee amount. Enclosed is a copy of the different letter as well as the last two months statements, of which may does not show a late fee being accesses and XX/XX/XXXX with the assessment of a late fee, very confusing.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONSTAR MORTGAGE LLC
State: TX

Complaint narrative:
Let me first say to communicate with ANYONE from Nations Star/Mr Cooper is useless. I continue to submit these complaints only to keep a paper trial going when I see discrepancies that could only come to harm us in the near future. For example, Nations Star/Mr. Cooper by its own response incorrectly ; intentional or unintentional gave conflicting information. The latest communication date XX/XX/2018 reference # XXXX cited I made a payment of {$1300.00}, THIS IS INCORRECT. As stated in our modification our payments are {$1200.00}. This payment should have been for XX/XX/XXXX. I was told it was not doing a follow up call, that the payment was for XX/XX/2018. As I stated, those funds were removed and the payment should have been reverse for {$1200.00} NOT {$1300.00}. Secondly, we were ask to provide information of the caller who called and attempted to force us to accept the modification and noted we did not accept, your records and notes on our account already has this information as a CSR explain she listened to the call and did not hear we did not accept, but did not agree with the terms and the modification was " rebooked '', what happen in this incident where we must provided information? Nations star already has this. This is unacceptable behavior. This company seems to have gotten prior housekeepers, dishwashers, food service and other blue collar workers and turn them into professional customer service reps, this will not work! These are examples of how much this institution lacks any business prowess and its customer service is a joke. 1 ) Modification terms were not explained to us 2 ) we already made trial payments and were told we had to make two more payment to for the modification to be booked 3 ) a mere CSR took upon himself to cancel the modification 4 ) two payments were sent but no one could find them 5 ) we were told CSR are aware of accounts irrespective of their locations, etc. WE request to get this account straight to reflect this missing {$110.00} to CSR told us was missing, this was not acknowledged in the above reference #.

Company response to consumer: Closed with explanation