vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-03-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: AES/PHEAA
State: ME

Complaint narrative:
I originally consolidated all of my student loans and began repayment on XX/XX/XXXX. 
Loan was transferred from XXXX to XXXX with whom my loans stayed until being approved for PSLF program XX/XX/XXXX. During this time XX/XX/XXXX-XX/XX/XXXX, I paid an average of {$300.00} monthly on original loan of {$96000.00}. 

Following my approval and application acceptance to PSLF my loans were transferred to Fedloan Service. For the past 12 months XX/XX/XXXX to current, my payments have roller coasted from {$270.00} to {$630.00} to {$830.00} among other amounts. Fedloan reps have given me various different reasons for the changes. 

However, Fedloan does agree that after reviewing my loans I had a parent plus loan which excludes me from any IBR or ICR special programs. After asking for a copy of my original Master Promissary Note to confirm that I did check/choose consolidating the parent plus loan, Neither Fedloan or XXXX can locate the consolidating document. ( I originally thought my daughter had paid off that loan and removed it from my loans. ) I do not know if that {$9000.00} was even checked/marked to consolidate. 

Throughout these years I was never given any advice on how to consolidate or what would be beneficial to my situation, I paid my monthly bill without question. My loans now total {$110000.00} and I feel very taken by loan servicers. 

I continue to wait for a return call from Fedloan Ombudsman for his assistance on the new legislation which excludes plus loans as being a disqualifier for IBR payments. This would be accomplished through reconsolidation and result in my elimination of PSLF 3 years of payments, but lower payments, Fedloan service reps stated this was incorrect information and I could only reconsolidate if I had a new student loan. This resulted in a dead end for helping me. 

I would like to remain on PSLF and be eligible to continue on an IBR payment plan as I was prior to beginning the PSLF process.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-26 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: U.S. BANCORP
State: NJ

Complaint narrative:
Elan Financial Services began servicing a current Fidelity credit card that I own. During the transition, Elan turned off my automatic payment status which was in place with Fidelity. Because of that, my payment was not processed for one month. Elan failed to notify me of this either by phone, email or mail and my status became 30 days late. Elan acknowledged that they erroneously turned off my auto pay and agreed to remove my 30-day late status with the XXXX credit reporting agencies, XXXX, XXXX and XXXX. I have called Elan repeatedly and have asked that they update my status from late to current with the credit reporting agencies and they have not yet done so. I have asked for a letter confirming the removal of the late status so that I can remove this " late '' status from the XXXX reporting agencies myself and they have refused to provide one. I have tried to dispute my negative status with the XXXX agencies but Elan has yet to update my status from " late '' to " current, '' therefore my late status will continue to be reported as such. Unless Elan update my status from late to current with the XXXX reporting agencies, my negative status will remain in place. This error had caused me to be declined for credit cards and banking institutions.

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 2017-01-24 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: U.S. BANCORP
State: WA

Complaint narrative:
Fidelity VISA card allows 2 % cash back on reward points. 
XXXX XXXX & XXXX XXXX also have monetary " cash '' back on their reward program. 

Fidelity VISA card is issue through US BANk and it 's credit card services for US BANK states " any monetary amount excced {$600.00} will be taxable ''. This is inconsistent with XXXX XXXX ( 1.5 % back CC and XXXX XXXX XXXX ) redemption programs on their reward points. 

Thus NO XXXX tax form is generated at XXXX XXXX or XXXX for reward point redemption. US Bank via Elan Servcies claism they will be sending tax information for value of {$600.00}. 

XXXX institutions with reward redemption programs and ONLy the Fidelity/US Bank seem to TAX you. 

Request a tax specialist at Fidelity & US Bank respond in detail as the usage of taxation on reward points seem inappropriate and should be consistent with XXXX XXXX & XXXX XXXX XXXX and be non-taxable income.

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 2017-03-18 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Used obscene/profane/abusive language
Company: DISCOVER BANK
State: NC

Complaint narrative:
We have had to file a hardship through XXXX. A company that I do n't have an account with, but my husband does, had been calling my work. They called at XXXX and I picked-up the phone and requested that they stop calling my work. The lady requested payment from me and told me that she could draft it from our bank account since they somehow have our account information. She told me that they do n't negotiate with debt relief companies and said that we were going to be sued. I told her that she was not allowed to remove any funds from our account and hung up. Later in the morning, after I had left for work, a man called and my husband answered. He threatened my husband, used vulgar language including the " f '' word and told my husband that we owed them money and that they were going to take it from our account with or without our permission. This company has never had our permission to automatically draft funds from our account.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-18 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Attempted to/Collected exempt funds
Company: Lloyd & McDaniel, PLC
State: KY

Complaint narrative:
I had a market and owed XXXX XXXX around XXXX when I had to close the market in XXXX XXXX. I had paid the original invoice down from XXXX XXXX. In XXXX an attorney started threatening me, and took me to court for the debt. I called XXXX, but they had went out of business and XXXX bought their inventory. XXXX is the company trying to collect my old debt to XXXX. Their attorney LLoyd McDaniel took me to court, but could not produce an invoice. I agreed to settle out of court, and pay XXXX to XXXX within one year. I sent XXXX check to them and they cashed it but would n't adjust the amount, and send a receipt, or stay in contact with me. The attorney filed a garnishment on my old bank, but I have XXXX assets, have a small XXXX pension in ky of XXXX monthly and the bank put XXXX. They have now contacted XXXX XXXX Bank after filing another garnishment, and attached XXXX to my wife 's cd, which is her back pay for ss XXXX. Teller XXXX XXXX attached the lien without checking the cd to see that her money is exempt, she had no ownership in my business and they can not legally garnish me on her money. I filled all this information in a few minutes ago, but the computer went down, so you might be able to pull up the completed form. I have asked for a receipt, and tried to send them another XXXX dollars but they refused it because it was on my wife 's checking, but my wife gave me permission, I am her representative, and have to monitor the account for the ss administration so my name is on all our accounts as rep. We need help, we are both very sick, she has numerous XXXX issues, and is now close to XXXX due to having our little amount of ss benefits attached. I am suffering from XXXX, and a XXXX we XXXX stay in the hospital with health problems..This company has been ruthless and has been using the district clerk in XXXX XXXX Ky. as their enforcement arm, even though we had a court signed agreement that I had until XXXX XXXX to pay the money. They are claiming several XXXX more, did n't give me credit for my payment and I have the check where it was cashed by XXXX 's. I only gave in on this because I have XXXX when I leave the house, and I have to monitor my wife constantly because of her XXXX state.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-17 00:00:00
Product: Debt collection — Payday loan
Issue: False statements or representation — Indicated committed crime not paying
Company: Triton Management Group, Inc
State: SC

Complaint narrative:
Took out a personal unsecured small loan to taske are of some medicine that my husband, whom I 'm so very proud of, obtain his pain medications for the month when his XXXX would fill up. Dealt with this. Company before and i should have know better but I went ahead with it bc i did n't know how I was gon na make it for ghe the month anyhow?? So I went back to a loan company that I said I would never deal with again but at that particular time I did n't have a choice. After realizing I had signed that permission paper again I called and made sure that I knew what to do when I needed to stop it any future debits. The loan place hit my bank account on the XXXX of the following month on the XXXX with the due date on XX/XX/XXXX!! So I called the store manager on XX/XX/XXXX and she was really nice over the phone. So I stopped by there to find out what happened and she explained that she had been on vacation that week it happened and she was even kind enough to show me on the form I had signed that I had the right to revoke that authorization by just telling them or writing them. So I XXXX her right there that I no longer have the permission to access my bank account and she said ok and she said she would make sure it would n't happen again. She said she had never taken vacation on the XXXX bc people usually messed something up. So the next month comes due so I get some cash out to pay it due to the fact that they do not accept personal checks, and other forms of payment. So on XX/XX/2016 they hit my account again that ended up costing me an additional XXXX NSF charges that was {$76.00}!! I called the home office and asked to speak with someon n management and a very nice lady named XXXX helped me by taking down my info and my complaints and assured me that her boss would receive an email explaining what happened. On XX/XX/2016 I personally went to my bank and asked for their help and they suggested I rip that debit card up and order a new one. 
Did they breach the contract by continuing to take unauthorized debits?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-17 00:00:00
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: AKT AMERICAN CAPITAL, INC. DBA AMERICAN CAPITAL CORP.
State: CA

Complaint narrative:
I called ACC Temecula Home Loans to get information about the Section XXXX XXXX Home Loan. Their website says they are specialists in XXXX loans. I found out that they are not approved to offer the XXXX loan. When I called to ask questions about working for them and being a Loan officer they assured me I could offer this loan to clients. This just seems like false advertisement and bait and switch to me. This is not right for XXXX that want the XXXX XXXX loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-25 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: NV

Complaint narrative:
We have a couple additional questions for Ocwen Loan Servicing to answer truthfully and under penalty of perjury. The questions are pertaining to the Assignment of Deed of Trust dated XX/XX/2004 that Ocwen Loan Servicing created for XXXX. NOTE, multiple federal agencies stated that since this document pertains to our Note/Deed of Trust, we are allowed to request this information and this information is not considered proprietary nor confidential! 
1st, Did Ocwen hire XXXX XXXX XXXX to record this Assignment of Deed of Trust? 
2nd, What date did Ocwen send this Assignment of Deed of Trust to XXXX 
3rd, How did Ocwen send this Assignment of Deed of Trust to XXXX 
4th, How did XXXX record this Assignment of Deed of Trust, electronically, mail or in person? 
5th, Did XXXX. return the Assignment of Deed of trust back to Ocwen Loan Servicing? 
6th, If so, how did XXXX return this Assignment of Deed of Trust to Ocwen, XXXX, XXXX etc.? 
Please provide documentation on how this Assignment of Deed of Trust was sent to XXXX and returned back to Ocwen Loan Servicing.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-15 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: AZ

Complaint narrative:
XXXX/XXXX/XXXX We purchased a home. Our loan was sold to Ocwen which changed to a predatory negative amortization loan. The loan amount was $ XXXX. On XXXX/XXXX/XXXX We received a predatory loan modification from Ocwen. At time we were thrilled. We thought we can save our home. Under TILA and Dodd Frank Act this is considered a predatory mortgage and is in direct violation. This is not a Qualified mortgage. We live in a large Metropolitan area not in a rural or underserved area. The servicer, Ocwen did not take into consideration our ability to repay. Ocwen imposed upon us unfair and deceptive tactics that violate the Dodd Frank Consumer Protection Act 78 FR 6408. I will upload all documents for your review. On page XXXX, # XXXX XXXX of the modification They have force placed insurance.Ocwen does not accurately disperse escrow funds. They charge excessive fees without any expolanation. What is scary is that even if I try to refy, as stated in the modification, Ocwen retains the right to foreclose on the property and change the terms of the balloon payment. This XXXX XXXX, I fell behind and asked for assistance. Ocwen gave us a forebearance plan. We have met every payment on time. We were required to pay down {$3000.00} before even being considered for a repayment plan. I made my XXXX payment on time. I revieved notice of that my foreclosure sale date scheduled on XXXX/XXXX/XXXX was moved to XXXX/XXXX/XXXX. I have tried to escalate my case. I was told by XXXX XXXX XXXX, Senior Manager of the Trustee for XXXX to file a complaint with the CFPB.gov. How could they put me in foreclosure when I have met every payment obligation?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-24 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: FMS Inc.
State: WA

Complaint narrative:
I just checked my credit score and saw a 9 dollar medical bill put into collection from a supposed appointment in XXXX 2015 by FMS for XXXX in XXXX, WA. I 'd cancelled an appointment at XXXX XXXX weeks in advance but other than that I had no medical care with them. I was never given a bill or contacted, simply turned into collections for a visit that never happened. This is the billing line XXXX XXXXOur billing statements represent hospital and physician charges for XXXX. 
To pay your XXXX online at XXXXPlease call XXXX or toll-free at XXXX Monday-Friday XXXX to XXXXTo update the insurance coverage we have listed, call XXXX or toll-free at XXXXSince I never received a bill I ca n't set up an online payment, meaning I 'd pay the 9 dollars I do n't owe to clear up my credit

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-01 00:00:00
Product: Bank account or service — (CD) Certificate of deposit
Issue: Account opening, closing, or management — 
Company: PNC Bank N.A.
State: MD

Complaint narrative:
My father open a certificate of deposit with XXXX XX/XX/XXXX naming me as the POD, I have rec 'd interest earning statements up until XX/XX/XXXX nothing after that date. XXXX was acquired by PNC Bank in XX/XX/XXXX. My father passed in XX/XX/XXXX. I put all of his personal papers away. recently i was cleaning and came across this paper work and started my inquiry with PNC bank only to be told that no records exist and I should check with the XXXX unclaimed property office and XXXX office. I called both offices with no results. I furthered my research by visiting a branch of PNC bank. my inquiry was taken and forwarded to the Regional branch Manager, who was to contact me regarding this account. That was on XX/XX/XXXX. I have yet to receive any communication. my calls back to the branch I visited only get the same response. The Mgr. will call you. No response.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-23 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: BANCORPSOUTH BANK
State: MS

Complaint narrative:
I was a customer at Bancorp South. My checking account came with fees and thats understandable. I had maybe.XXXX cents in my account when the bank assessed a fee of {$10.00} for my monthly fee which through my account in the negative. Then the bank charged me a countinuous overdraft fee of {$36.00} beacuse when they assessed the {$10.00} fee it through my account in the negative. Then the bank assessed a fee of {$5.00} because i had the XXXX XXXX card and it came with a yearly {$5.00} fee. They then closed my account after 30 days because of the negative status. Now the bank has turned me in to the XXXX company as if i was writing bad check or something. And then they sent me to a debt collector saying i owe them XXXX something dollar.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-09-11 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: CA

Complaint narrative:
Nationstar Mortgage LLC continues its " wilfull misconduct '' as it proceeds with the illegal foreclosure of our home ... going at length to commit a breach of privacy with our CFPB files, the XXXX time around ( see CFPB case XXXX in XXXX 2015 for first incidence of breach of privacy. ). 

On XXXX XXXX, 2015, it goes into a CFPB case file XXXX involving XXXX , uploads its files, to make it appear that XXXX had completed the resolution of XXXX XXXX complaint. XXXX - Nationstar 's alleged " current owner of debt '' on the Notice of Default ( the basis of the upcoming Trustee Sale of our home ), who, on XXXX XXXX, 2015 had requested CFPB for an extension of resolution to XXXX XXXX, 2015. An indication that XXXX did not have " ready answers or records '' to support Nationstar 's alleged " current owner of debt '' on its Notice of Default recorded on XXXX XXXX, 2015 ... .lending support to our allegations of FORECLOSURE FRAUD ... that needs to be investigated and stopped by regulatory authorities. 

Of note, this response by " XXXX '' ( but in reality, Nationstar ), was not captured in CFPB 's auto-reply system, hence, XXXX did not receive the email from CFPB - just discovered it within CFPB Portal late afternoon, XXXX XXXX. 

Thank you, CFPB, for enforcing consumer protection laws that are within your jurisdiction to STOP deceitful practices that hurt people. 

Please see attached copy of XXXX dispute of " XXXX '' response (

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-25 00:00:00
Product: Credit card — 
Issue: Payoff process — 
Company: U.S. BANCORP
State: IL

Complaint narrative:
XXXX XXXX, 2016 To Whom It May Concern : I 'm outraged US Bank debited my account {$570.00} without my authorization after a credit card payment! On XXXX XXXX, I completed an external transfer for {$300.00} and {$270.00} respectively to my XXXX US Bank credit cards. However I noticed my checking account had double posts from US Bank totaling {$1100.00}. Immediately I called and spoke to a representative and she confirmed there had been a mistake on their system and expect a refund in four days. I 've called three more times and spoke to several representatives that stated my money can be held for 17 days until returned! I have also left voice-mails to the special payment research department and have yet to receive a phone call back. This is unacceptable for my money to be held while US Bank makes interest for over a week! My funds need to be returned to my bank account immediately with interest! I 'm looking for a fast resolution and funds returned as soon as possible. 
XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-13 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: NY

Complaint narrative:
Rushmore Loan Services bought my mortgage about a year ago. Recently I have recieved XXXX notices from XXXX that my taxes have not been paid. I contacted Rushmore and they said to fax the notice. I did and then a month later I recieved another notice from XXXX saying that my taxes are delinquent. I contacted Rushmore again but they were unable to help me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-18 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Someone fraudulently applied to Amazon/Chase Bank for a credit card against my Chase account. On XX/XX/XXXX Chase ran a credit check, then approved an Amazon Visa credit card. XXXX notified me of the credit check. I called Chase,, they deleted the card before any charges were accepted. The only personal data breach I can recall is the XXXX issue regarding XXXX accounts that they reported compromised some months ago.

Company response to consumer: Closed with explanation