vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-03-07 00:00:00
Product: Debt collection — Auto
Issue: Communication tactics — Frequent or repeated calls
Company: Consumer Portfolio Services, Inc.
State: OH

Complaint narrative:
My vehicle is currently past due and approaching repossesion status.  XXXX has started going through my XXXX account to call XXXX friends asking my telephone number and or location.  They have caused many problems with families whom I do not have a personal relationship with.. I am getting all kinds of XXXX friends contacting me in anger about these calls to their homes.  I have asked them to discontinue contacting my XXXX list of friends, some of which I have no active communication with with exception to reading timeline posts.  They continue to do this.  They also call my emloyer at least 10-15 times a day.  I can not receive personal phone calls at work.  I have relayed that information to them as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-02 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: SLM CORPORATION
State: MO

Complaint narrative:
I attended XXXX XXXX school in XXXX Georgia. The program lasted XX/XX/XXXX through XXXX of 2014. I graduated in XX/XX/XXXX and have been paying Sally Mae XXXX $ per month ( I was set up on automatic payments ) Last month my automatic payment went from XXXX $ to XXXX. They did not notify me of the change and my checking account is now overdrawn with around XXXX $ in overdraft fees. I called Sally Mae and they said my payment is now XXXX. I told them that I was not working in the field I was trained for and that I could not pay that much a month ( that amount is more than my rent and car payment ) I can not pay that amount and be able to pay my rent or buy groceries. I asked if the payment could be lowered until I get a better paying job which I was trained for. They said no. I told them that I was not going to be able to pay my rent this month. Finally after talking with a " manager '' I was told that for XXXX bucks they would credit my acount the XXXX. That was over a week ago and they have not credited my account. I am still overdrawn at the bank and at risk of being evicted from my houde because I am negative XXXX in my checking account. Not only is Sally Mae unwilling to work with me and lower my payments to something affordable until I get a better job, they lied to me and have not refunded my money so I can pay my rent and utilites. I just want them to work with me and do what they said they would do so I can get back on my feet, be assured that I have a place to live, so I can actually keep my job and pay my bills.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-11-13 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
I have a number of issues I 'm trying to get a response from the servicer, Ocwen. I just received a letter from Ocwen which is NOTHING MORE THAN ANOTHER GENERIC letter. This is there way of handling - just keep sending a copy of the modification and after awhile they will give up. NOT THIS PERSON. I will respond to their generic response separately. In the meantime, why are my monthly payments DIFFERENT EVERY MONTH? This was a loan mod with a fixed rate and I understand after the trial payments they need to do some financial adjustments but if I 'm not mistaken, after that the payments should be the same until the adjustment time - 5 years from now. Once again, they are moving the numbers back and forth and until I receive a COMPLETE ACCOUNTING, I will not stop. I work for a XXXX and know they can provide me with the numbers they used in the modification and I requested this. No surprise, I did not get it. Just makes me feel all the more they are hiding numbers.. Please request Ocwen provide me with the numbers I requested in my original letter and have them respond as to why the payment amounts since XX/XX/XXXX have been different EVERY month and I 'm supposed to have a fixed rate. 
Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-02 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
I had a mortgage with XXXX. It was an illegal mortgage with many Respa andTIla violations. The mortgage was a balloon mortgage with a very high interest rate and very high closing costs. XXXX went out of business. There is no documentation transfering my mortgage to another company. XXXX XXXX is attempting to foreclose on my home even though they have no legal right to do so. The XXXX Loans Trust XX/XX/XXXX-XX/XX/XXXX they claim to represent closed years ago. There were no transfer documents to the loan trust. 
The people attempting to foreclose on my home have no legal standing to do so. I also became aware of money made on my home without my knowledge or consent. When my loanwas funded, XXXX presented my note to the XXXX and received XXXX times the face value. Later when I was in default, XXXX received XXXX times the face value of my mortgage. I requested the attached information from Occwen who is the present Loan Servicer. They refused to answer any question except for the whereabouts of the original loan document which is the foreclosure file of XXXX County Court. I received no other answers. According to law, I am due an answer. Also I am being XXXX out of {$100000.00} in equity using a fraudulent appraisal.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-17 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
My mortgage was thru Ocwen ( They took over my original GMAC Loan ). I sold the house on XXXX XXXX, 2015, Ocwen was paid off. I overpaid a mortgage payment. So they owe me {$2000.00}. I have been calling them, they keep telling me it takes time to process. Finally in XXXX, they told me they mailed out a check on XXXX XXXX ... .Never received it. have been calling all of XXXX an XXXX. They keep telling me to give it XXXX business days, that it is being re-mailed. I have repeatedly asked for it to be XXXX XXXX so it can be tracked. I was told to wait XXXX days just to see if they can XXXX. Now I get a call on XXXX XXXX, 2015, that they have wired the money to XXXX XXXX ... I have no idea who that is, so she wanted to research some more. Today ( XXXX XXXX, 2015 ) I hear I 'm sorry it has been wired to XXXX XXXX XXXX, and you will need to call them ... I have NEVER had a bank account at XXXX XXXX XXXX ... I told them I want my money, that what they are doing is not right! I have been waiting since XXXX for my money. I am closing on my new home in XXXX and need that money. I am a single parent and {$2000.00} is a lot of money for me.

Company response to consumer: Closed
Consumer complaint received 2017-03-24 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Portfolio Recovery Associates, LLC
State: OH

Complaint narrative:
Portfolio Recovery Associates are reporting XXXX accounts on my credit reports that do not belong to me and they are unable to validate the information. I asked for validation of the debt by asking for a copy of the original signed document and they sent me a copy of a bill which is not validation because I am not the person who started the account. On the XXXX report they are reporting for XXXX account that the date the account was opened was XX/XX/XXXX and the date of the 1st delinquency was XX/XX/XXXX. The 1st delinquency date was almost 2 years before the account was opened. They are reporting a different opening date to XXXX for the same account ( acct # XXXX ). The other account reporting to XXXX is reporting an open date of XX/XX/XXXX and the date of 1st delinquency of XX/XX/XXXX. The date of the 1st delinquency is over a year before the opening date ( acct # XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-20 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: AMERICAN EXPRESS COMPANY
State: RI

Complaint narrative:
I am writing to request a rebate of the late charges I paid over the XXXX month billing period ended XXXX/XXXX/15 and the 48 % increase in interest charges during this period when my interest rate was increased from 14.24 % to 27.24 %. This caused me to be charged approximately an extra {$1000.00} in interest. The late fee charges were {$110.00}. 
I was told by both XXXX XXXX and American Express in many telephone calls to wait until after the XXXX payment plan was approved before requesting abatement of these onerous charges. In a call to American Express on XXXX/XXXX/15, I was told that they no longer handle my account and referred me to XXXX XXXX. In a call to XXXX XXXX, I was told that AE had to handle this request. XXXX internally transferred the call to AE but I got the same previous automated response. I then wrote a letter dated XXXX/XXXX/15 to AE outlining essentially what I am reporting in this complaint and got no response. 
I believe I am due abatement consideration fro the following reasons : - It took AE XXXX months to approve my payment plan with XXXX XXXX when all the other cards approved the plan in 5 business days or less- an unreasonable delay and one XXXX said was unusual. 
-During the XXXX months XXXX XXXX made payments to AE on my behalf that were actually in excess of the plan AE ultimately approved ( {$580.00} vs. {$650.00} paid ). 
-I maintained telephone contact with AE during the process ; informing AE that XXXX month 's payment would be late because of my requirement to prepay XXXX. I could not afford to double pay during this transition period. 
- The increase in interest charges is astounding and I would consider userousI believe I should be refunded the excess interest and the late fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-25 00:00:00
Product: Credit card — 
Issue: Billing statement — 
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
ISSUE : NewCredit card issued by Citicorp for Costco. 
Must call Citicorp XXXX number to pay bill and does not disclose my amount to pay each month. Unable to use my current checking account with XXXX directly to pay. Used to be able to use XXXX directly with { Costco } XXXX credit card. Appears like restriction on banking.

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 2016-12-14 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc.
State: DC

Complaint narrative:
On XX/XX/2016 ( XXXX after XXXX ) my two-month old 2016 XXXX caught fire while I was driving it in XXXX, where I live. Some by-standers came to my aide and together we were able extinguish the flames before the fire department and police arrived on the scene. The car was drivable because we acted so quickly, but I filed a claim with my insurance provider, XXXX and had it towed back to the dealer where it has been since then. XXXX fire investigator inspected the vehicle and, I was told, found it to have caught fire from a manufacturer 's issue. The dealer and Chrysler XXXX are both expecting me to not only keep up my lease payments, but also take the car back as if potentially losing my life from it, was n't bad enough. I have told both XXXX XXXX in XXXX, my dealer and Chrylser XXXX that given the circumstances that I can not reasonable speaking get back into that car or any other XXXX vehicle. My XXXX daughter was in the car the day before and the whole incident has really shaken me up and has me scared for my well-being and the well-being of my family. They were expecting me to make a lease payment this month on the XXXX ( XX/XX/2016 ) but I did not as they are still in possession of the vehicle and I am not planning to take that back. I am very concerned with everything else that has happened that this could damage my credit that I have worked very hard to maintain and my wife and I are planning to purchase a home next year. Please help me as nay help would be greatly appreciated!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-30 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: PNC Bank N.A.
State: IL

Complaint narrative:
We have been working with a homeowner on a hafa short sale with PNC Mortgage. MONTHS AND MONTHS of them " losing '' paperwork - despite fax confirmations. Now they are telling this XXXX couple that they were declined for hafa due to " inconsistencies ''. They REFUSE to elaborate. I can not imagine any inconsistencies, however, per their hafa matrix, they are supposed to request documentation to explain. They refuse and are telling us that they will only give an explanation if the homeowner requests in writing - this is not acceptable. We have a good offer and these buyers will not continue much longer. They have offered them a short sale wherein they will not waive the deficiency without a huge contribution. This couple is on XXXX and has NO MONEY.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-10 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: U.S. BANCORP
State: FL

Complaint narrative:
I RECEIVED A PROMOTIONAL OFFER FROM CENTER STATE BANK, CARDMEMBERSERVICES, XXXX, XXXX ND STATING THAT IF I SPENT $ XXXXWITHIN XXXX MONTHS MY ACCOUNT WOULD BE CREDITED {$300.00} IHAVE MET THESEREQUIREMENTS BUT WHEN I WENT TO REDEEM MY MONEY I WAS TOLD I WOULDHAVE TO WAIT XXXX MONTHS BEFORE I WOULD RECEIVE MY. MONEY THE OFFERI RECEIVED MADE NO MENTION OF THIS. I BELIEVE THIS IS UNETHICAL MARKETINGAND I REQUEST I RECEIVE MY MONEY IMMEDIATELY.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-26 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
XXXX/Navient did not apply additional payments towards the principal of my loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-25 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
1. WELLS FARGO - OPEN NUMEROUS ( XXXX ) CHECKING AND SAVING IN MY NAME AND BUSINESS - AND REPORTED THEM TO XXXX AND XXXX. WHICH CAUSED MY CREDIT TO BE AFFECTED AND A XXXX CARD SHUT DOWN. 
2. XXXX- THEY FLAT OUT CALLED ME A LIAR AND HIDE XXXX ACCOUNTS ( DELETED ) - IN MY NAME AND BUSINESS BECAUSE I HAD OVER XXXX IN CHARGES ON MY DEBIT CARDS AND they were n't even activated. ALSO THEY HAVE MY NAME AND BUSINESS STATING I MADE A DEPOSIT FRAUDLY NO THEY HAVE SMEARED MY NAME AND AS A VET IN THE XXXX.. 

3. XXXX - TRY TO CALL THEM SO MANY TIMES HTAT ALL IU DO IS TALK TO PEOPLE OVERSEAS THEN I CALLED BACK NUMBERS FROM XXXX AND MICHIGAN TO FIND OUT WHAT THE ISSUE IS AND THEY HANG UP. CALL THEM THEY ALL WERE DISPUUTED AND BY LAW THEY A SUPPOSED VALIDATE OR REMOVE - THEY HAVE NOT DONE ONE THING EXCEPT I WAS TOLD I HAVE TO GO TO A BANK AND GET A SC AN COPY NO NO NO NO YOU COME HERE HERE YOU WANT TO SMEAR MY NAME WHY NO VALIDATE ANYONE CAN SEND A SCAN XXXX SEND S SOME SIGNATURE CARD ITS NOT ME. 

THESE PUNKS HIDE IN A XXXX IN XXXX AND MY XCOUNTRY THAT I SACRIFICED MY LIFE ALLOWS IT. THEY ASAP REMOVE BLOCK NOW BY LAW

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 2017-01-21 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Fay Servicing, LLC
State: FL

Complaint narrative:
This is an ongoing problem : Previous case # ( s ) XXXX & XXXX. 
Attached are documents from Fay Servicing, who are the new mortgage service company for my loan. Transfer of service was on XX/XX/XXXX from XXXX. Ever since XXXX took over the loan back in XX/XX/XXXX, constant problems have continued as stated in previous cases aforementioned. According to XXXX, I am in arrears by XXXX month payments. Attached are copies of recent statements and XXXX ( XXXX ) months of canceled checks. 
The second issue is with flood insurance. Fay insist I have no flood insurance when in fact XXXX letter confirms the coverage. 
Third : XXXX and Fay have been including escrow fees and as stated in A letter dated XX/XX/XXXX, the account is non escrow. 
I want this account corrected and all escrow, insurance late fees etc monies refunded. 
This is also is causing a negative effect my credit score Please HELP!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: National Credit Services, Inc.
State: WA

Complaint narrative:
Hi, my problem is when I was XXXX yrs old I went to get a XXXX at the local XXXX college where I grew up. I was automatically enrolled in a quarter ( I was XXXX, mind you, I had no clue what was happening ) so I figured I 'd give it a shot and it was under a PELL grant. I decided that was not for me, as I was going to be a XXXX, which I am now. So ... here we are, decades later. 

I am told I was enrolled in a different XXXX college, rather some distance from where I lived. I did not. I am told there is a consolidated loan on this. I did not do this, either. I have tried explaining this until my face is blue and get nowhere. 

At this time, I do n't even know what this other college is! 

So, I was contacted by NCS and it seemed I could finally get a resolution. I filled out so much paperwork it seemed to me, maybe someone would actually look into this and fix it. Not so much. They took all my info and proceeded to garnish my wages. I can not have this much taken from me, especially since I do n't owe it. 

I called NCS and was told I was put under a financial hardship and they would not take more than XXXX $ per monthly check. Surprise! It was 15 % of my ENTIRE check, garnished. I 'll end up with no power and no apartment within months if they do this. 

My plan was to go ahead and let them take a garnishment ( small, not fun, but managable ) while I contacted a lawyer to see what I could do about this, as all I get is a runaround and they really do not care to even listen to what is going on, or care if I lose everything so they can just do whatever they want. 

I was suppose to get a phone interview, did not happen. 

They say they wo n't take more than XXXX $ but took twice that amount. 

I was XXXX and did n't know what I was doing ( parents were not involved, just me. ) I have tried, many years, to just talk to, and find out what this is even about. No info is given, they just take my money for some school I never went to. 

I never, at any point in my life, spoke with anyone about, or, consolidated any loans. 

I need help, and did contact a lawyer, who directed me here. Mostly because I have no info on what this even is, as nobody will tell me. All they care about is robbing me. And this is robbery. 

They ca n't even get my name right on this. 

I am a professional, and this is BAD for my reputation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-17 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
After purchasing TransUnion 'XXXX-Bureau Report ' product ( {$29.00} ) on XXXX/XXXX/16 I noticed TWO dates of birth listed under 'Personal Information ', both of which are incorrect. Unable to 'verify my identity ' ( with my actual DOB or the one 's listed ) I was not able to file an online disputeAfter calling each of my creditor 's to confirm the inaccuracy was n't reported by them, I proceeded to call each bureau individually to request a correction. TransUnion, after XXXX minutes on hold, forwarded me to a standard customer service agent who, though clearly reading from a script, instructed that I send a copy of my BIRTH CERTIFICATE in order to correct their own error. Not only do I view a BC as a private document not to be widely shared ( particularly with a corporation that admittedly sells consumer data ), I feel such burden on a consumer to correct THEIR error is absurd. Results with calling XXXX were almost identical, with the customer service agent demanding I send a copy of my social security card, which virtually no corporation anywhere has a right to demand. XXXX complied with my request immediately. Common sense should dictate it 's IMPOSSIBLE to have two birthdays. Yet TransUnion and XXXX insist on leaving them both on my report, even though they can not confirm WHERE this misinformation came from. This- maintaining information known to be inaccurate, is a specific violation under the Fair Credit Reporting Act. All I want is my Date Of Birth to be reflected on my report and for the incorrect entries to be removed immediately.

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 2016-04-26 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
I am an XXXX so I understand how website/software works. What I described below is not user error. 

When XXXX first came out, I could use the website to get credit reports from XXXX agencies at once. 

Three years ago, Experian first stopped working and gave me this mystery error " Unable to complete your request, please mail your request in '' one year ago, XXXX stopped working, and today all XXXX have stopped working for the online version of credit report requests. 

I am suspecting the credit companies are deliberately making it harder for consumer to request credit reports. Are there any monitoring from CFPB to ensure they comply the law with good intention?

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