vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-06-07 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
In  XXXX , I took a {$28000.00} loan for   XXXX   XXXX   with  XXXX   XXXX  - now referred to as Navient. Since that time, I have consistently made the required payments each month for t he past seven years. When I look at my account details, it turns out that approximately {$900.00} of the  actual loan - not interest - has been paid. I have paid {$18000.00} faithfully and respo nsibly for seven ye ars, and all I have to show is less than  a thousand dollar  paid towards the debt. Also, according to my account details, the estimated payoff date is  XXXX / XXXX / XXXX  with the continued payment of {$220.00}. I am unsure as to what kind of math the lender is using, but the projection and monthly payments do not equate - unless the lenders are looking to increase my monthly payment to {$45 0.00}. In fact, the current payment rate would actually take me ten years to pay off.   <P/> As a responsible and educated borrower, I do not feel that the lender is being transparent nor realistic about the repayment process. I call on the Consumer Financial Protection Bureau to investigate this situation as this is a form of financial imprisonment and punishment for me trying to better myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-07 00:00:00
Product: Mortgage — VA mortgage
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: FIRST CONTINENTAL MORTGAGE LTD
State: TX

Complaint narrative:
On XXXX XXXX l received a alert message from XXXX XXXX monitoring service that XXXX XXXX in XXXX, ,New Jersey pulled my credit for a VA loan modification. As l spoke with XXXX XXXX VA loan carrier First Continental Mortgage in XXXX, New Jersey. First Continental and XXXX XXXX representative has stated to me on around XXXX XXXX that l was n't eligible for a VA loan modification, because of my Bankruptcy Chapter XXXX and I already had a loan modification finalized and Approved on XXXX XXXX. I filed for bankruptcy chapter XXXX in XXXX, Texas on XXXX XXXX and it was Discharged on XXXX XXXX XXXX by Federal Judge. Why did XXXX XXXX and First Continental pulled my credit and placed a hard inquiries with XXXX XXXX XXXX XXXX? As of XXXX XXXX XXXX my credit scores dropped and my credit is damaged. My credit scores was around XXXX, now there are XXXX because of hard inquiry on XXXX XXXX. This is a Discrimination and Retaliation against me as a XXXX.American and Military Veteran. I am XXXX XXXX and Retired.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC
State: TX

Complaint narrative:
XXXX XXXX, 2017 I was shopping for a loan. XXXX XXXX from quicken loans requested to do a soft pull on my credit so that she could compile loan information for me. She assured me that her soft pull inquiry would not show on my credit report. <P/>XXXX XXXX | Director of Mortgage Banking Direct : ( XXXX ) XXXX | Toll Free : ( XXXX ) XXXX XXXX Cell : ( XXXX ) XXXX | Fax : ( XXXX ) XXXX | NMLS # XXXX XXXX XXXX, 2017, XXXX XXXX from XXXX XXXX, the company I decided to get a mortgage with, emailed me and asked why I had a credit inquiry the day before. XXXX double checked on his end and made sure this was not his credit request and assured me that it was not an inquiry he generated. <P/>I was deceived by to my XXXX XXXX at Quicken Loans. She assured me she was only doing a soft inquiry. I would like to

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc.
State: AZ

Complaint narrative:
On XXXX XXXX, 2017 I scheduled a payment from my online banking bill pay service ( XXXX XXXX XXXX ). The payment, in the amount of {$410.00}, was debited from my account on XXXX XXXX, 2017. I received a call on Friday, XXXX XXXX, 2017 from Santander Consumer USA advising me that my auto loan was 16 days past due. I told them that could not be the case and that I could see the payment being taken out of my bank account. They advised me to contact my bank. I immediately called my bank and spoke with a bill pay representative who advised me that the bill payment was sent and she e-mailed me a copy of the check that was sent to Santander Consumer USA showing they deposited the check into their bank account. I called Santander Consumer USA bank to let them know and ask if I could e-mail them the copy of the check. They advised they are unable to accept e-mail and requested I fax the document. It 's 2017, fax machines are becoming a little rare, but I was able to fax the document in on Saturday, XXXX XXXX, 2017. I  spoke with Santander on XXXX XXXX and was advised no fax was received and to allow 24 hours for the fax to be processed. I called back on XXXX XXXX and was advised still no fax was received. They asked me to fax the document again and to allow 24 hours. I feel that I 'm being scammed and taken advantage of. I have attached the copy of the check to this form.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-07 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: General Motors Financial Company, Inc.
State: FL

Complaint narrative:
When I leased my vehicle 3 years ago, GM financial was nice enough to be the lender for my new vehicle. About a week after taking the vehicle home, I received a packet in the mail and set up automatic debiting of my account. The payment was made the same day for the length of the lease. We turned in our vehicle the 3rd week of XXXX 2017 about 2 months early ( we leased a XXXX before our lease was over ), and we were notified that the lender would send us a bill for the remaining months. The lender sent us a notice via mail that we would be receiving an end-of-lease packet with the final bill. On XXXX XXXX 2 017 another debit was made from our account, which was fine as I 'd imagine they 'd deduct that payment from the final bill. In early XXXX, I received a notification from my credit monitoring saying there was a late payment to GM financial. This made no sense to me because we were on automatic debit. Upon calling GM financial, they indicated we were always about 28 days behind on payment, which I have no record of nor were we ever told that this was the case. As far as I 'm concerned there was never a late payment that ever took place. The down payment was to include first month 's lease, and we set up automatic debit only a week after taking the car home, making an late payment impossible. They also had the wrong phone number on file and never attempted to send us a letter to correct it. As it stands this late payment is hurting my credit and from what I can see was no fault whatsoever to my wife and I.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-06-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: InterLinc Mortgage Services, LLC
State: TX

Complaint narrative:
On  XXXX   XXXX ,  2017 , I was in the process of applying for a mortgage loan and  XXXX   XXXX   XXXX  processing department sent  over the VOA ( Verif ication of Employment ) which including my full name, social security number and address. The information was not sent to m y Human Resource conta ct but was sent via email  to a general email box that is only meant for " Inquires '' not for confidential. This email is monitored by over 50 pe ople in my company. So as of  XXXX   XXXX ,  2017  my personal information has been released. I was informed by this breach of confidential information by th e Vice President o f my company, which could have resulted in disciplinary actions. I have spoken with the president  XXXX   XXXX  of the company and he has only offered a 3 year credit monitoring plan.

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 2017-06-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
XXXX  shipped a partial order. They STOLE MY MONEY.  Wells Fargo  refused to protect my purchase and told me due to their  XXXX  agreement this was fully allowed.     I WAS FORCED TO COME TO THE BANK  XXXX   XXXX  ON  XXXX / XXXX / 2017 . Help refused and they kept telling me it was n't their problem it was the fraud departments fault.     I called the fraud department for THIRTY MINUTES AND WAS REFUSED TO BE ALLOWED TO SPEAK WITHA SUPERVISOR.     JUST WAIT. We 'll send you a letter.

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 2017-06-07 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: ACS Education Services
State: IL

Complaint narrative:
Due to unemployment, my account was placed into a 12 month forbearance. The forbearance period expired in  XXXX  and payment was due on the account in  XXXX   2017 . Payment was made on  XXXX   XXXX ,    2017  for  XXXX  's payment due. Student loan co mpany, ACS, processed the payment and applied it to my account. A few weeks later I was noticed via  XXXX  credit monitoring that my account with ACS had been reported as being 30 days delinquent. Payment was never made late and in light of this I filed a dispute with the credit union. ACS did not correct the issue. Furthermore, I have attempted to call ACS on several occasions and have been placed on hold for hours on end. I would like for this payment information to be corrected and for the 30 day pass due status to be removed from my credit reports. This has adversely affected my ability to qualify for a mortgage and I would hate for this dereliction to affect me further. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-07 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: New Century Financial Services, Inc.
State: NJ

Complaint narrative:
Date: XXXX /2017 The c  ompany and persons involved are the following ; NEW CENTURY FINANCIAL SERVICES, INC, THE attorneys that are involved are   XXXX   XXXX   XXXX   ,   XXXX   .
They are suing me for a contract dispute, for attending   XXXX   XXXX   XXXX   XXXX  , this school closed down while I was still a student at the school. Their company is suing me for the amount of {$6300.00}. They are attempting to garnish my work wages and other future financial gains I may receive.

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 2017-06-07 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Southwest Credit Systems, L.P.
State: PA

Complaint narrative:
XXXX  was in my name in  XXXX . My husband was bouncing my checks, taking money and not paying bills, etc. We transferred the account from my name to his. When I called, the customer service representative told me as long as I opened another account, there would n't be any problems or charges.     The service was not disrupted and they did n't send new equipment or a service man to connect the service. I moved to   XXXX   and turned on  XXXX  in my name again.     There is a collection on my credit report for {$140.00}. I called and they said that I broke a contract but did not send any information to me.  XXXX  told me they were two separate entities after they turned off my service and reconnected it.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Due to unemployment, my account was placed into a 12 month forbearance. The forbearance period expired in XX/XX/XXXX and payment was due on the account in XX/XX/XXXX. Payment was made on XX/XX/XXXX for XX/XX/XXXX 's payment due. Student loan company, XXXX, processed the payment and applied it to my account. A few weeks later I was noticed via Transunion credit monitoring that my account with XXXX had been reported as being 30 days delinquent. Payment was never made late and in light of this I filed a dispute with the credit union. XXXX did not correct the issue. Furthermore, I have attempted to call XXXX on several occasions and have been placed on hold for hours on end. I would like for this payment information to be corrected and for the 30 day pass due status to be removed from my credit reports. This has adversely affected my ability to qualify for a mortgage and I would hate for this dereliction to affect me further. Thank you.

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 2017-06-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: NC

Complaint narrative:
Hi there! I recently returned to school for a XXXX XXXX degree - study began in XXXX of XXXX and concluded in XXXX of XXXX. In the summer of XXXX, I spoke to Navient customer service professionals and set up an Educational Deferment. Those Navient representatives made it clear that no additional interest would accrue on my loans while I was back at school, that my automatic payments would be cancelled, and that no payment would be needed from me until the fall of XXXX. Today, when I logged in to make a payment to Navient, I saw that the information they gave me in XXXX was incorrect. While no interest accrued on my subsidized loan, my smaller, unsubsidized loan did accrue approximately {$250.00} of interest over the two year period. Had my automatic payments not been cancelled, but rather applied only to my unsubsidized loan ; had Navient given me correct information in XXXX ; or if they had continued to send me emails about monthly charges, then it would have been easy to continue payments towards the unsubsidized loans, or to pay them off in full. When I spoke to a supervisor at Navient today, she apologized for the bad information I had been given two years prior, but since I had been sent a letter with accurate information months after having spoken with their representative, said there was nothing she could do.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I disputed a charge wit h TD Bank they  still have not reversed it so that the account is overdrawn constantly. They also debit the withdrawals before they deposit the credits to cause the account to be overdrawn. I had deposits totaling over  XXXX  and withdrawals that totaled around   XXXX   yet they still overdrew my account to charge me fees. The deposit was n ot one  that was put on hold it was an immediate credit.   They do this just to increase their charges. They have charged me close to {$5000.00} in fees year to date.   THEY ALSO DEBIT MY ACCOUNT FOR A CHECK IF THERE IS NOT ENOUGH FUNDS. EXAMPLE I HAVE {$100.00} IN THE BANK THEY ARE PRESENTED WITH A CHECK FOR {$1000.00} THEY DEDUCT THE {$1000.00} FROM MY ACCOUNT CAUSING IT TO BE OVERDRAWN $  XXXX  CHECK IS PRESENTED FOR {$45.00} THEY RETURN IT BECAUSE THEY HAVE MY ACCOUNT OVERDRAWN WHEN THEY ARE NOT PAYING THE {$1000.00} DEBIT

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-06-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: GLOBAL CLIENT SOLUTIONS, LLC
State: OH

Complaint narrative:
I owed a large amount of money to XXXX 's and was unable to pay the full amount ( I believe it was owed over {$8000.00} ). Because of the problems, I signed up with XXXX XXXX XXXX to try and get this credit resolved. I was promised that if I made 29 payments to them, they would be able to negotiate and resolve my debt with XXXX. <P/>I signed up for this service in XXXX, XXXX and faithfully made $ XXXX monthly payments for the 29 months. XXXX XXXX signed me up with Global Client Solutions to handle my money but I think they may be one in the same, I do not know. My last payment was made in XXXX, XXXX. <P/>I heard nothing more from anyone until this past month when out of the blue, I got a check from Global Solutions for {$2600.00} and was told to deposit it and they ( XXXX XXXX ) would arrange for it to be debited to my XXXX account. I became suspicious at that point and did not deposit the money and cancelled the authorization and debit. <P/>I then contacted my local legal services office and they were able to get a copy of my account showing that I made 29 monthly payments of {$150.00} for a total of {$4300.00}. The {$2600.00} check represented a return of my money that I had deposited less their transaction fees and customer fees. I then learned after contacting XXXX that the check for {$2600.00}, if it had been debited and paid to XXXX, was not a payment in full but a partial payment and that none of my debt to XXXX had been negotiated down. <P/>I believe that they just took my money and never did anything they promised. I think they should give me back the fees they took, {$1600.00} ( {$4300.00} - $ XXXX {$1600.00} ), and they should not be allowed to take advantage of other people this way. I am elderly person whose only income is social security. I did not understand that they were taking advantage of me until this month.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
XXXX  is collecting an account for  XXXX . I have never had an   XXXX   in my life. I can find nothing old on my credit report th at may have b een purchased by  XXXX  ..or ch anged to  XXXX . I disputed this with  XXXX  and the credit bureaus and they left it on my file.     Account number listed on bureau  XXXX  Amount listed {$340.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
XXXX   XXXX ,  XXXX  received a statement on a Bank of A merica Visa Card th at showed {$4500.00} new charges that are not mine. Called immediately spoke with fraud they said they would investigate.Canceled the card. Received a letter mailed  XXXX   XXXX ,  XXXX  saying they would investigate and issue temporary credit pending conclusion of investigation.   Never heard anything until I called them today to reveal that they had issued a replacement card, chip embedded, to someone who committed the fraud. It 's a card that I last used in  XXXX  and before that  XXXX  for charges less than {$40.00}. It 's a back up card that I simply continued to hold because it only had an annual fee of {$12.00}. The fraud was committed  over a two day period. On the third day the card was rejected fraudester called in and was told to bring i t into a branch.Which they did not and the problem stopped. There were fraud charges on the card to an electric utility to pay a personal bill, and truck rental which would also have yielded info on who is the culprit. All this and B of A never even called me nor even when they found out someone had my SS #, Address and Birthdate which they used to get the replacement card. I went int o a Branch today demanding action to find out what they knew so I could ascertain the identity theft damage. Found out they will not release any info to me until I fill a police report and they file a supoena, Time frame uncertain to complete. All this time has passed and someone out there has my identity info. B of A has done nothing to stop it or help me with info to protect myself. Asked for a Supervisor today and was told up to 48 hours for a response. I am just looking for the information to  protect my financial rear end- and they will not even help nor acknowledge their complicit behavior!

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 2017-06-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: EQUIFAX, INC.
State: KS

Complaint narrative:
Account was paid in full and balance was said to be removed instantly and it has not been removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-07 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONSTAR MORTGAGE LLC
State: CA

Complaint narrative:
I applied to modify my loan on  XXXX   XXXX ,  2017 . I submitt ed a full package of information including the Uniform Borrower As sistance Form and reasons for my need for modification including a severe medical hardship, to the bank. In a matter of a few days they claim to have fully reviewed my file and denied my application on  XXXX   XXXX ,  2017 . They claimed they could not approve me for a modification due the fact they could not lower my payment sufficiently. The bank proposed a higher interest rate at 4 % compared to the 3.5 % interest rate I am paying now and said they could n't lower my interest payment. Additionally rather than extending the time within I could pay off my mortgage, they shortened the total number of mon ths from what the amortization date is. Based on this criteria of a higher mortgage interest rate and shorter time for full payoff of course my monthly payments would increase and this is contradicting to what Nationstar is advertising on their website under help for homeowners. The following was copy  and pasted directly from their website   " LOAN MODIFICATION If you 're facing long-term hardship, we can see about modifying your loan so it has more manageable terms.
<P/>
While refinancing means replacing your existing loan with a new one, loan modification keeps your existing loan and changes its terms.    <P/> If you qualify for loan modification, we 'll look for a way to reduce your monthly payment. Maybe we 'll be able to lower your interest rate. Or maybe we can extend the loan 's timeframe so we can lower each month 's payment ''

Company response to consumer: Closed with explanation