vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-02-05 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
Navy Federal Credit Union ( NFCU ) and my ex-spouse colluded to foreclose on my home by changing the loan solely to his name and refusing to give me any information in order to pay the mortgage and keep it from going into foreclosure when my ex stop paying on the mortgage. My ex-husband and NFCU employees colluded to embezzle the house I was awarded in our divorce. This occurred in XX/XX/2011 thus the criminal statute of limitations of six years applies. When I signed the loan documents NFCU promised to work with me if any problems were to arise. They lied to me, knowing that the purpose and long term goal was to embezzle my real property. This is a long running scam using : marriage, identity theft, kickbacks, and bribery and the tactics are similar to those used in the XXXX XXXX. 
At the time of the loan, I had reconciled with my ex-husband as he promised that his attorney would dismiss the divorce because there was no judgment. He lied knowing that his scheme was to embezzle my assets, me retirement, and illegally use my identity and assets for financial gain.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-15 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: TCF NATIONAL BANK
State: CO

Complaint narrative:
I have a car loan through : Gateway One Lending & FinanceXXXX XXXX XXXX TX, XXXXI believe this company has obtained information about my relatives to use to contact me illegally. I am requesting an attempt be made to find out how they were able to contact relatives to get in touch with me, when I never gave them information. This is a classic case of what the CFPB has tried to put a stop to from past episodes of badgering by lenders. This company has contacted my Grandfather who is a retired XXXX XXXX and his information is protected from the public. This is completely unacceptable for a Lender to badger relatives. I did not give their information to this company. I was out of the country while this was going on.This company said they did not have to divulge their protocol for finding out information about Borrowers. I asked to speak with a supervisor, but am not confident that I actually spoke with one.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-05 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: AMERICAN EXPRESS COMPANY
State: UT

Complaint narrative:
American Express offered a {$10.00} statement credit if I made a {$50.00} purchase at an XXXX store. I made a purchase totaling {$64.00} at an XXXX store. However, the merchant processed the charge under a XXXX merchant account which was specifically excluded from the offer. I contacted American Express customer service and the agent and the agent 's supervisor both said they were n't able to grant the credit since it was processed at a non-participating merchant. The expectation that the customer is somehow supposed to know that a specific merchant listed on the store front, the company 's website, and the receipt as " XXXX '' will not be eligible for an offer because the merchant processes the transaction under a different name is not reasonable. 

Here was the specific offer language : Details Get a one-time {$10.00} statement credit by using your enrolled Card to spend a minimum of $ XXXX in one or more transactions in-store at XXXX or online at XXXX by XX/XX/2017. See terms for exclusions. View Locations Nearby Terms Offer valid in-store at XXXX in the US/US Territories or online at XXXX. Not valid for giftcards purchased online. Excludes purchases from XXXX locations, XXXX, and XXXX. Offer is non-transferable. Must add offer to Card and use same Card to redeem. Limit 1 statement credit ( s ) per American Express ( R ) online account. Statement credit will appear on your billing statement within 90 days after XX/XX/2017, provided that American Express receives information from the merchant about your qualifying purchase. Note that American Express may not receive information about your qualifying purchase from merchant until all items from your qualifying purchase have been provided/shipped by merchant. Statement credit may be reversed if qualifying purchase is returned/cancelled. If American Express does not receive information that identifies your transaction as qualifying for the offer, you will not receive the statement credit. For example, your transaction will not qualify if it is not made directly with the merchant. In addition, in most cases, you may not receive the statement credit if your transaction is made with an electronic wallet or through a third party or if the merchant uses a mobile or wireless card reader to process it. By adding an offer to a Card, you agree that American Express may send you communications about the offer. POID : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-27 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Shopping for a loan or lease — 
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
On XX/XX/2016 TD Auto Finance pulled a hard inquiry on my XXXX Consumer Credit File. I did not authorize them to pull a credit report from XXXX. I was also reassured by XXXX this would not be the case.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-31 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: GREAT LAKES
State: WI

Complaint narrative:
I applied for XXXX loan forgiveness two years ago and was denied. I was upset and let it be for awhile. This summer ( two years later ) I looked back into XXXX loan forgiveness and called the loan provider. We figured out that I was denied because of a misspelling of my schools name on the XXXX XXXX. My loan provider told me to reapply with the misspelled name and about a month later I was granted XXXX loan forgiveness! So I, myself, did indeed meet the criteria to have my loans forgiven two years ago. I have been trying to get reimbursed for the two years I was wrongfully paying. The loan provider did a ombudsmen report and says they will not reimburse 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 2017-02-16 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC.
State: TN

Complaint narrative:
Hello. 
I have a student loan with Navient and have had this loan since XX/XX/2009. Since XX/XX/2009, my principal has increased by almost XXXX dollars and I have been unable to make any payments on the principal due to such a high payment, and such a high interest rate. When I went to my provider in search of options to lower my payments, the only option they gave me was deferment or forbearance. Both of which added interest onto my principal. When we signed up for this loan, which was originally through XXXX, it was the only financial institute that we were able to finance through according to my school which was XXXX. My father is a cosigner, and due to his income, we did not qualify for lower monthly payments - regardless of his inability to help me pay those payments. At the time, my father was out of work, and was struggling to pay his own bills, let alone helping with mine. I have struggled to pay this bill ever since I XXXX due to the high monthly bill and my low income. They have since still offered no help and we are in danger of defaulting due to the fact that I am now out of work. I am aware of the pending lawsuit against Navient, and would like to participate in any way possible. Thank you for your consideration.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC.
State: KY

Complaint narrative:
Navient has repeatedly inaccurately applied payments to my accounts, talks sme into forbearance or applied forbearance instead of income driven payments, taken out extra payments from my bank account without me even allowing auto payments and now they are charging me over XXXX next month and will not lower the payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-01 00:00:00
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: U.S. BANK NATIONAL ASSOCIATION - SAN FRANCISCO MAIN BRANCH
State: CA

Complaint narrative:
On XXXX XXXX, I went into the bank to deposit money into my savings account. I was the second customer minutes after opening. Bank teller named XXXX, says to me your account is closed and proceeds and to say very rudely " your savings account has been closed for a very long time so I can not help you, goodbye " - shocked by her rudeness I said back " you are a LIAR because I just opened this account two weeks ago ", she then says well u can have a seat and I will have my manager help you. Manager not doing anything @ all pretends to be on the phone and snaring at me through the window. After waiting for twenty minutes in a completely EMPTY bank w no customers the manager left me sitting there. I was upset and said fine I will go to another bank, but I choose not to because this was already a long trip for me to get to that location so I returned and deposited money into my checking account and said I will wait for your manager because I have things to do as well I can not go to another bank and it is your job to help me not be unprofessional, violate my privacy and hold me hostage practically. XXXX then yells very rudely " well you NEED TO WAIT ", and I did for an HOUR! I managed to call customer service over the phone got a resolution and still waited for this manager to help me, I went back to XXXX and explained that I just got off the phone with customer service and they said just make a deposit and your account will open she responded " who is THEY? " being a rude XXXX pretty much, I said " customer service, manager walks up to me and said " what is your problem " ... I responded whatever it is I handled it over the phone and I guess I do n't need your help now - she then laughs and walked off - so after I sat on the phone w customer service complaining about the horrible customer service I am receiving from this branch - the manager walks out takes my {$500.00} and said sign this. XXXX - savings account back open ... what in the world makes people think they can treat customers like this. Especially women XXXX, completely XXXX staff treats all XXXX people like XXXX in this location and I know for a fact because, they even make me wait when they have no customers and soon as I walk in I am not greeted, they are ALWAYS RUDE TO XXXX PEOPLE!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-09 00:00:00
Product: Prepaid card — ID prepaid card
Issue: Unauthorized transactions/trans. issues — 
Company: Netspend Corporation
State: GA

Complaint narrative:
I have a prepaid account with the Netspend prepaid XXXX by the XXXX XXXX, where I have received my school refunds through direct deposit for the past XXXX semesters ( last deposit being XX/XX/2017 ), as well as other deposits. Last week on the XX/XX/2017 I found out that there was a fraudulent transaction on my card and worked to resolve that. my Card was however canceled and so I Have no way of accessing my money in the amount of {$3800.00}. I have also suspected some fraudulent transactions on the same account in the past XXXX months, but efforts to tract this are been frustrated by the customer service representatives through the following phone # XXXX, of which I have spoken to a dozen of them already including today XX/XX/2017, and have spoken with XXXX representatives who pretend to transfer me to a supervisor, and dropped the phone on me. Obviously they are not willing to resolve this issues and I need your office to intervene urgently.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: FCI Lender Services Inc.
State: TX

Complaint narrative:
I bought my home in XX/XX/XXXX. My loan was originally owned by XXXX XXXX, I believe. Then XXXX XXXX XXXX XXXX took over the servicing part, I think. Unfortunately, I went through a divorce and the loan/note is in default. XX/XX/XXXX, it was sold to XXXX, in which they sold to XXXX, then back to XXXX all within a few months times ; and now they 've sold it again to FCI Lender Services. I am so confused because I ca n't find any assignments or transfers in deed records XXXX. I want this info so that I can reach out to apply for a loan mod. I am a XXXX and am very familiar with mortgages, default reconciliation, deed records, but I am not an attorney. I know that these companies must file notice, but I 'm unable to find anything on these companies, other than the correspondence they 've sent me. I 'm afraid to call because I do n't want to be scammed.

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 2017-03-02 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: ACS Education Services
State: CA

Complaint narrative:
I have XXXX XXXX student loans being serviced by ACS Education totaling approx. {$55000.00}. ( ACS also services a XXXX XXXX Loan of approx. {$75000.00}. ) The loans have been in repayment since 2004. 

I made repeated requests for ACS ( servicer ) and XXXX ( lender ) to provide an amortized payment schedule for each loan. This documentation is required by the underwriter of my mortgage lender for qualification purposes of an XXXX loan, pursuant to federal regulations in the US Dept. Housing and Urban Development. ( XXXX ) Both ACS and XXXX refused to provide such documentation. Only when pressed and asked directly, ACS offered to orally state the payment schedule of a single private loan, which is on a graduated payment plan. The ACS representative stated the payment amounts, length of term for specific payments, and dates due for each payment, but denied to produce any written confirmation of the information. Both ACS and XXXX indicated this is not a company policy to provide such documentation, and are not required to provide such information. ACS offered to provide the initial Loan Disclosures, which is insufficient documentation for mortgage underwriting, as the disclosures do not provide a full amortization schedule. 

Not only is refusal to provide an amortization payment schedule a deceptive lending practice and inconsistent with federal policies established at HUD, ACS ' lack of transparency does not afford consumers with the opportunity to understand their ongoing and future obligations under the loan ( s ).

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-12 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: FL

Complaint narrative:
I have Power of Attorney for owner of the property in XXXX XXXX, FL. As the XXXX representing the owner, I listed his property on XXXX in XX/XX/XXXX. Since that time I have tried to negotiate with Green Tree the payoff amount, at XXXX by phone and later by fax beginning XXXX XXXX. They promised to review the amount and respond to me within XXXX business days. I did not receive any reply. I continued to phone, fax, and mail them without any response. I received a XXXX letter XX/XX/XXXX and a XXXX letter XXXX XXXX again saying the same thing : " We are going to response .... '' The main thing about that is I have a buyer ready to close this purchase on XXXX XXXX. It is not right that the owner suffered these additional expenses due to Green Tree delays in response to my faxes, letters, and phone calls. My client is XXXX and XXXX. My client does n't have any condition to defend himself.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-19 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: I.C. System, Inc.
State: TN

Complaint narrative:
I recently pulled my credit report and discovered that this company has reported that I owe them a debt. To my knowledge I have never done business with this company and they have never provided me any goods and or services.

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 2016-01-07 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC.
State: HI

Complaint narrative:
I WENT TO XXXX AS SUGGESTED BY XXXX FICO TEAM AND THIS WEBSITE.  I ORDERED ALL XXXX CREDIT REPORTS. I RECEIVED THE FIRST REPORT FROM XXXX AND SAVED IT. I THEN DISPUTED AN INCORRECT ISSUE AND RE-SAVED.  I WAS THEN PREVENTED FROM PROCEEDING WITH THE REST OF THE REPORTING. I WAS, HOWEVER ABLE TO NAVIGATE ANYWHERE ELSE (PURCHASE CREDIT PROTECTION OR ORDER A FICO SCORE). THERE IS NO PERSONNEL ANSWERING THEIR LINE.  I THEN CONTACTED THEM VIA THE ONLINE "CONTACT US", BUT HAVE NO WAY TO GO BACK TO MY REPORT.  THIS IS UNACCEPTABLE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-04-17 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc.
State: OH

Complaint narrative:
Mortgage company XXXX charged me for this month. Was told I would have to wait over 30 days to refund my money. Was told due to a system upgrade. This payment came out of my checking account as a direct payment. leaves me with XXXX left for the rest of the month. I have other bills direct debit that will be returned plus XXXX fees on top of it I will get plus late fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-14 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Yes I want to file a complaint because equifax every time a credit pulls my credit equifax will not generate a report and I am turned down because of their incorrect database showing me non existing. I spoke with their call center in XXXX not XXXX ga they asked to provide a copy of my drivers license social security card and utility bill which I have mailed them in over 8 months ago still they have not added me to their database at age XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-31 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
XXXX items were erroneously entered on all there credit reporting agencies. All XXXX issues were disputed at the same time with each reporting agency. Upon investigations by XXXX and XXXX all XXXX entries were removed in their entirety. XXXX has failed and refused to correct the same issues. Moreover, they have failed to respond in any way regarding these disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Specialized Loan Servicing Holdings LLC
State: NJ

Complaint narrative:
My husband lost his XXXX business in XX/XX/XXXX. Since then he has been working in the XXXX but was getting laid off constantly due to lack of work. He is now working as a XXXX employee for a good company and we are again hopeful. 

In XX/XX/XXXX we were approved for a loan modification and right before we made our last trial payment, they switched our servicer to Specialized Loan Servicing on us and told us we had to start the process all over again. I have been working with them consistently to get a modification so we can continue living in our home with our XXXX children but they have given us the run around saying they lost paperwork, sent paperwork to the wrong department, etc. Then in XX/XX/XXXX they said was that there was a sale date on our home and there was not enough time to evaluate. I went to the Sheriff 's office and got a postponement. After that, they got another postponement of XX/XX/XXXX. Since I had n't heard from anyone ( another issue with SLS ) I called them and they told me that we were denied because of income. After finally pulling up the hard copy of the denial on the internet, I realized that they did not have current income information for my husband. 

I went to the Judge in XXXX county and told him what had happened and asked for another postponement. He granted it and the new date is XX/XX/XXXX. I have also contacted XXXX NJ and am working with XXXX XXXX who suggested I contact you. 

There is a lot more information than this as we have been going through this since XX/XX/XXXX. If you need anymore information I will gladly supply it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: AES/PHEAA
State: GA

Complaint narrative:
i went to XXXX college of XXXX georgia for XXXX with hopes of a better life for me and my family XX/XX/XXXX-XX/XX/XXXX. I finished my course and completed my externship and i was told that they would help me find a job.Career services never helped me with job placement I recieved a letter in the mail XX/XX/XXXX that stated XXXX job placement rates were misleading and that i may be eligible for student loan forgiveness i then filled out the paper work and sent it to the department of education for them to determine. I called to check on my student loan forgiveness application and they told me that it could take up to 12 months to determine at this time i had my loans in deferment so i was not required to make payments but the customer service rep stated that i should put my loans in forbearance. I did as the rep said i should do and a couple days later i got a bill in the mail for {$1000.00} dollars from my lender fed loan servicing. I can not afford to pay that

Company response to consumer: Closed with explanation