vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-03-03 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: LD Holdings Group, LLC
State: MN

Complaint narrative:
I contacted Mortgage Masters, and started working with XXXX XXXX around the beginning of XX/XX/XXXX, I have text messages and emails confirming that i sent her my pay stubs, XXXX forms XX/XX/XXXX and XX/XX/XXXX, hud forms from purchase of my house, I sent her all the forms she needed, and had employment and credit score checked by XX/XX/XXXX - on XX/XX/XXXX I signed the disclosures and was told everything was approved, the appraiser came on XX/XX/XXXX and completed the paint scraping ( needed to sign off on appraisal ) on XX/XX/XXXX and closing set for XX/XX/XXXX, the closing was then changed to XX/XX/XXXX, as XXXX XXXX lost my XXXX, pay stubs, and mortgage/bank statements, I faxed these items again, and the closing was then set for! XX/XX/XXXX, I found out that XXXX XXXX XXXX no longer with Mortgage Masters and XXXX XXXX would take over, again they were claiming they need XXXX and other financal documents again - I told them I had faxed all the info repetedly and was not going to fax again, I then shared my concerns for identity theft with all these documents being lost with XXXX and her boss XXXX XXXX , they told me not to worry, that there computers are safe, and they have no worries that XXXX XXXX held on to my personal information. 
so again I was scheduled to close XX/XX/XXXX XXXX XXXX told me all they needed to close was the appraiser signing off that paint had been scraped and cleaned up, the appraiser came out and signed off on the appraisal XX/XX/XXXX. 
every time I speak to the mortgage company they keep saying they are still waiting on employment verification or need pay stubs before they can close. 
so I have been trying to refinance my home for 4 months and I keep getting the run around with lost info, and employment verifications, as I have been on XXXX for a XXXX, the mortgage company keeps bringing up things about my XXXX and making the hold up seem like its related to my XXXX leave, and I dont see what my XXXX has any thing to do with my refinance, if the mortgage company was professional and wasnt loosing my info repeatedly, my mortgage refinance would have been closed and completed, before any of my XXXX started - but the company keeps stringing me along and now its been 4 months that I have been working on refinancing my home

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-07 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: BARCLAYS BANK DELAWARE
State: DE

Complaint narrative:
A fraudulent XXXX XXXX business credit card through Barclays was opened in my name with what was obviously a fake business name of XXXX. I feel this might have been an inside job. How otherwise can a business credit card be opened without any supporting business documents? Also, before the card arrived in the mail and I was aware of it, there was a {$10000.00} transfer made to another company.

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 2017-04-06 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I enrolled in monthly minimum amount due recurring payments some time ago with my WalMart Credit card. Up until just recently, those payments were drafted correctly from my account. today XX/XX/2017 when I logged into my bank account I notice Walmart had taken over {$410.00} from my bank account which they were not authorized to do. my monthly minimum payments are {$25.00} which was the amount they were authorized to debit my bank account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-07-10 00:00:00
Product: Debt collection — Credit card
Issue: False statements or representation — Impersonated an attorney or official
Company: Pinnacle Asset Management, LLC
State: CA

Complaint narrative:
Over the past few months I have received numerous calls XXXX and they have on multiple occasions stated they were a law firm, and that they had a court order. When I asked for a copy of the debt they say I owe they wo n't mail me one. Then they called and said because they noticed I was a XXXX that they would immediately garnish my wages because of the court order and make me look bad to my new job. 

The debt is long past collections limits.

Company response to consumer: Untimely response
Consumer complaint received 2017-03-30 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: BANK OF THE WEST
State: CA

Complaint narrative:
On XX/XX/2017 I arrived to Bank of The West. I approached there ATM to deposit the amount of {$100.00}. I unknowingly used my prepaid card unaware i was n't able to use the card at the Bank of The West ATM. After depositing my money I received a receipt stating at XXXX " We encountered a problem returning your cash, please contact your financial institutions '' after trying to withdraw my money back, I got error reading. I contacted the Branch Manager at the bank and they stated my Prepaid card company ( XXXX ) would have to make a claim stating that i lost my money at Bank of The West ATM. but since there was no transaction of the money depositing into my card they where unable to file this claim. After spending hours on the phone with the branch manager again she said that she contacted the ATM Branch and they are now stating I was never there at the ATM and they are not Over the amount of {$100.00} But I have proof of I was there. I am attaching them to this Claim.

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 2017-04-05 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: HYUNDAI CAPITAL AMERICA
State: MA

Complaint narrative:
On XX/XX/2016 I paid the balance to Hyundai for the end of my lease. They still sold the balance to collections. Since then I have been harassed my several debt collectors for this balance that I paid to Hyundai and the debt collectors say that Hyundai needs to recall the debt. I called Hyundai 's billing department who confirmed that there is no balance owed and also confirmed that I should n't have been contacted by these debt collectors yet will do nothing to remedy the fact that they sold a debt that did not exist. Confirmation of payment on XX/XX/2016 is # XXXX

Company response to consumer: Closed
Consumer complaint received 2017-03-29 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
I disputed fraudulent transactions on my Chase debit card. They initially credited {$110.00} and {$24.00} to my checking account, then reversed the credit. They gave no explanation for the reversal. Account number XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Nelnet, Inc.
State: CA

Complaint narrative:
I just re-applied for the REPAYE program. The year prior, my student loan payments were manageable. But I recently discovered that my loan servicer, Nelnet, that my new loan payment had nearly quadrupled. I was in shock. They stated that based on " their '' calculations, that they used my Adjusted Gross Income to come up with this number. By my estimation, this number is completely inflated due to the fact that Adjusted Gross Income does not account for all of the taxes that are taken out of your check. Mind you, this is even with having two children. Not only that but I was told that my only alternative was to apply for a Deferment, which would add even more interest on to my loans. Otherwise, I would have to default, where the corrupt US Department of Education can demand full payment and or garnish my wages. This system is rigged against people like myself, who are diligently making student loan payments on time, every month! I ca n't even refinance. I may have foolishly went to a for profit school, but unlike corporations, big banks and our current President, I can neither file for bankruptcy, discharge, refinance or default on my loans without being severely punished.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: Nelnet, Inc.
State: NC

Complaint narrative:
I have requested a payment schedule from Nelnet and because my loan in 'undisclosed ' and was sold to them by XXXX XXXX they will not provide me with a payment schedule. 
Nelnet has offered to " disclose my student loans ' and provide me with a payment schedule if I 1 ) agree to increase my monthly payment by {$110.00} per month at {$22000.00} or increase my number of payments from XXXX to XXXX and will increase the balance by {$37000.00}. I have received XXXX phones with basically getting scammed with each offer. All I want is a payment schedule. 
I have filed a complaint with the BBB. 
All phones calls and time are documented.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-08 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have sent correspondence to you to support this info. 
Based upon information received indicating a high probability of success, I applied for a credit card with XXXX. I was declined based upon information provided by Equifax even though I subscribe to Equifax monitoring service. My monitoring service indicated that my score is " good '' at all XXXX credit services. The score at Equifax was a XXXX ( XXXX score was a XXXX ). When I got my rejection letter from XXXX, it indicated that Equifax reported a XXXX. 
Either Equifax provided bad information to XXXX or to me- which if that is the case - why am I spending {$19.00} a month for inaccurate information- that is fraudulent. 
I am planning on traveling out of the country next month and did not want to incur foreign transaction fees- this error on their part will cause me financial harm. 
Note, I am not at a computer that will allow me to upload information, but will if requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-02 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: Receivables Performance Management, LLC
State: FL

Complaint narrative:
Has called me at XXXX and after XXXX like XXXX or later and has called just today 5 times. Lady transfers me to another person and they are aggressive and demand me to pay the bill after telling them that they need to mail me a bill.

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 2017-04-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC.
State: MA

Complaint narrative:
I have approximately XXXX different loans with Navient in which I requested to consolidate so that my monthly payments get distributed for all of the existing loans. They do this and then a couple of months later. The loans are no longer consolidated for equal disbursement, but rather they only pay on XXXX and have the other XXXX loans listed as payment not due until a later date ( thus making the other loans will be accruing more interest ). I have spoken to them again this week ( per chat if proof is needed ) and again asked them to consolidate all of the loans so that my monthly payments will be distributed to all of the loans. This is the third time I have caught them doing this so that more interest will accrue of the loans that they are not applying my payments to. Please add this as a list of grievances. I have spoken to other students who have Navient loans and they are experiencing the same issues. Because of their actions we will never be able to pay back the loans. Just another deceptive practice on their part. If you do n't keep an eye on your account they will pull this fast one on you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-10 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: TENET HEALTHCARE CORPORATION
State: TX

Complaint narrative:
I had XXXX medical debts with Central Financial Control that were settled in full. My fianc and I are attempting to qualify for a mortgage and the only deterrent are these mark on our credit bureau. These debt have been paid and the amounts owed were minimal. I have asked that the trade line be deleted to improve my credit score to qualify. As a consumer trying to purchase a home it 's hard to believe that XXXX small medical debts would hold us back.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-04 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc.
State: MI

Complaint narrative:
Seterus purchased our mortgage from XXXX in XX/XX/2013. I 'd like to state, in twenty three years of providing mortgage payments we have never miss a single one nor have we been late, however Seterus automated collection business claims we owe {$1400.00}. ( plus interest ). They started sending us harassing collection letters monthly threatening to default on our mortgage if not paid. ( very troubling ). Their action is deliberately damaging our credit score. I have contact them on several occasions asking them to explain the amount claimed due, I 've made copies of all paid mortgage check from the past three years and fax over to Seterus but, customer service personnel fail to explain the amount they say is owed. I 've ask to speak to their supervisor in regard to the letters and was told by the supervisor its an automated system letter and will stop once the faxes sent in have been validated. But the letters continue, and our credit score continues to suffers, what repercussion do we have?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-01 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Lannister Law Corporation
State: CA

Complaint narrative:
Ongoing debt collection, has not indentified original, creditor or debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-31 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: NY

Complaint narrative:
Nationstar purchased our mortgage from XXXX in XX/XX/XXXX or XX/XX/XXXX. The terms of the mortgage state that monthly payments will include the mortgage, home owner 's insurance and taxes. As per the terms of the mortgage, the mortgage company was responsible to pay taxes from our escrow account. In early XX/XX/XXXX, we became aware that our town tax ( The Town of XXXX XXXX ) was not paid by Nationstar. We contacted Nationstar to remedy this situation. On XX/XX/XXXX we received correspondence from Nationstar that they paid the town tax on our behalf. However, as of XX/XX/XXXX, no tax payment has been received by the town, despite many phone calls to Nationstar and many assurances that said taxes have been paid. XX/XX/XXXX marks the third late deadline and, as a result, the third round of penalties imposed by the town. My first request is that these taxes get paid. My second request is that my escrow account is reviewed by a third party to assess for any mishandling. Third, I want to be remedied for Nationstar 's failure to follow the terms of the mortgage they purchased by ensuring that the town penalties are absorbed by Nationstar and not us.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-09 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LoanCare, LLC
State: VA

Complaint narrative:
My auto payment per month to the LOANCARE company is {$1800.00} but in XX/XX/XXXX they charge me {$3600.00}. So I call them and they said they wo n't charge me in XX/XX/XXXX but they still charge me in XX/XX/XXXX that make me spend over budget and I have to pay the over drafting fee. But luckily I call my bank and they agree to give me back my over drafting fee because it is the first time. Then I receive an email from LOANCARE company saying that they wo n't charge me for XX/XX/XXXX. 
After reading that email, I left my guard down so I did n't print out that email and now it is no longer in my inbox. They charged me in XX/XX/XXXX that make my account went overbalance again then they gave it the money back but they did n't give me the over drafting fee. So I have to call my bank again and they agree to give the over drafting fee back to me. 
But on the XX/XX/XXXX, they charge me again and now I have to pay the over drafting fee because my bank wo n't give it back to me. So I call the LOANCARE customer again, they said I have to send them an email explaining what happened and they will give me a ticket number then I will wait for their call back for a solution. But they never call me back nor send me a reply email. 
I 'm still waiting for their response but now all I get is a letter saying that I have to pay a returned check fee to their LOANCARE company.

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 2016-11-01 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Direct Recovery Services, LLC
State: MS

Complaint narrative:
A woman called " XXXX '' with direct recovery svc calls me at work and also calls my boss. They leave voice mails for my lawyer to contact them by the end of the day ( scam ). Through an internet search I found others are saying they collect for XXXX. This company attempted scam collections from me previously after I applied for a loan and then changed my mind about 5 years ago. They called for years trying to say I owed them. XXXX, I gave them all my contact information when I applied for the loan. By the time common sense told me to stop the whole thing it was too late. They are scum, illegal loan sharks.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-28 00:00:00
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: Mobiloans, LLC
State: OK

Complaint narrative:
On XXXX XXXX, 2015 I initiated an online payday loan with Mobiloans LLC. Initial spoke to a representative and was assured they were in compliance with Oklahoma State Law and Federal Regulations. After never receiving proper loan document and further investigation, I am be charged fees in excess of allowable interest ( in excess 600 % ) - They have also changed my payment terms to from monthly to bi-monthly by means of ACH without my consent. If you atempt to resolve via telephone - the representative becomes beligerant and threat of vioaltions regarding siesure of bank accounts or imprisonment. These folks claim XXXX, however, finding your investgation against them, they are not excused from federal regualtion.

Company response to consumer: Untimely response
Consumer complaint received 2016-10-05 00:00:00
Product: Payday loan — 
Issue: Can't stop charges to bank account — 
Company: Mobiloans, LLC
State: VA

Complaint narrative:
Second complaint I applied for a mobiloan loan in XXXX XXXX and received my first statement on XXXX/XXXX/XXXX. With an approval of {$1200.00}. Mobiloans hides behind the false claims that this is a revolving line of credit however my payments averaged {$160.00} to {$150.00} dollar every 2 weeks. I am being charge along with my payment a cash advance fee averaging {$75.00} every 2 weeks because the account has a balance. Mobiloan loans only applies an average of {$45.00} towards the principle. The loan limit was never increase however just like anyonline cash advance loans you can borrow up to the balance of {$1200.00} when you make your XXXX week payments. Mobiloans gets awaywith not posting a high interest rate by camoflaging it with a finance charge of {$73.00} to {$75.00} every 2 weeks. Technically this interest rate hidden as a finance charge is over 90 % After a year XXXX XXXX Mobiloans will not allow you to borrow towards your XXXX limit until the balance is paid in full however they continue to charge the finance as a fake high interest rate every XXXX weeks that will never allow me to get out of this fake line of credit account. Mobiloans does not give a statement to reflect past payments applied to principle and amounts of finance charges instead they provide XXXX statement a month for any transactions or charges that month no yeat end statement in order to camofloug claiming this is a line of credit. If it is like a credit card the annial percentage is about XXXX to 28 % and the most finance charge is around {$30.00} a month based on thr {$1200.00} instead ot is just like a pay day cash advance {$320.00} fees towards a {$1200.00} cash limit. I have paid an average of {$3200.00} for this loan. When I had a balance around {$550.00} it was added to this loan the most {$1700.00} average total in loans. The payments I made was paid twice and still have a {$1700.00} balance and at thay time I would have paid over {$5000.00} for {$1700.00} in loans this is legal loan sharking and predatory loan practicing under the umbrella of a line of credit this is a loan from the United States not overseas predatory lending should be banned i. The XXXX

Company response to consumer: Untimely response
Consumer complaint received 2016-09-01 00:00:00
Product: Debt collection — Payday loan
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: Mobiloans, LLC
State: CA

Complaint narrative:
This collection agency is harassing my manager at work, as well as calling third party people who I have no association with. This third party is my boyfriends child 's mother. This debt is from 2012, and I have had no association with the child 's mother at the time or at all currently. I have no problem communicating with them however she was yelling at me stating she can call again if she wanted to referring to my manager and the third party. I also asked for a mailed statement and she said she does n't provide those.

Company response to consumer: Untimely response