vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-09-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: EdFinancial Services
State: ME

Complaint narrative:
My husband has student loans he obtained with the help of an aunt. We are currently getting divorced. They have my cell phone number and refuse to stop calling me. I spoke with them on the phone repeatedly and told them to stop calling my phone number. I asked them to update it to his number, which they already had. They refused to remove my number from their database. I told them in no uncertain terms, I did not want to be contacted again via phone about this matter. It 's not my debt, the person they are looking for is not at my number, and I do not want the calls. They point-blank refused to remove the number.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-09 00:00:00
Product: Prepaid card — General purpose card
Issue: Unauthorized transactions/trans. issues — 
Company: Empowerment Ventures, LLC
State: NY

Complaint narrative:
I went to withdraw {$300.00} from my rushcard at the XXXX in XXXX NY on XX/XX/2017. The atm was out of money and I never received my money. The representative at the XXXX customer service desk called the atm company, but they were closed. She provided me with the number. I call them on XX/XX/2017 at XXXX and was informed that they were aware of my issue due XXXX contacting them this morning. The rep said she knows i didnt receive the money. They requested that I contact my card holder and ask for a provisinal credit and they would be waiting to here from them to confirm that i didnt receive the money. I reached out to rushcard at XXXX. I was informed that they needed to submit a dispute and have the form sent to me, to sign and fax back. It will then take 10 business days before i would receive a provisional credit, ( CRAZY )! I provided them with my email address which they have on file, already. I did n't received the form, so I called back at XXXX. A rep resubmitted the request and told me I had to wait up to 6 hrs to receive the form. The previous rep did not tell me this. I tried calling them again at XXXX and again at XXXX. Thinking I should have received the form already from the initial request at XXXX. It is currently XXXX and I have not received the form. But yet received surveys for my calls I made to them within minutes. At this point I do n't want the form, I would like to have my money credit to my card and my account closed down with them as this is n't the first incident I 've had with them. They can contact the atm service at XXXX and verify that the money was not received and credit my account. This is bill money and I would like rushed to cover all fees associated with this bill being paid late.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-17 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Convergent Resources, Inc.
State: NY

Complaint narrative:
I XXXX XXXX believes that the Fair Debt Collection Practices Act is being violated with a collection on a public utility debt that has not been proved with true copy originality submitted to me. Secondly, public utilities have no right to post collections on any of the pertinent credit bureaus. This collection is not only a violation of the FDCPA but of the Fair Credit Reporting Act as well. The collection must be erased from my credit profile immediately, and if this collection is valid, a complete attachment of documents must be submitted along with the transfer of either ownership or power of attorney to collect the debt if indeed it is valid. Therefore, this account must be deleted immediately and permanently!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-25 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: ASTORIA BANK
State: NY

Complaint narrative:
My home insurance policy covers XXXX years for one-time only fee. My mortgage bank ( Astoria Bank ) is supposed to accrue the insurance premium over the XXXX years. Each time I renew my policy the bank recalculates my escrow payment incorrectly, forcing me to pay {$1200.00} more per month until I complain and they spend the requisite few months correcting the error. They will not call me to confirm that they 've sorted out the problem. I have to call them every XXXX weeks until they confirm, waiting in the queue for many minutes during my busy workday. Meanwhile they threaten me with ~ {$250.00} fines if I do n't make a full payment - a payment that has grown by {$1200.00} overnight without any change in my interest rate, taxes, or insurance rates, so it is obviously incorrect. This is my XXXX renewal and my XXXX time dealing with their incompetence. I am starting to think the mistake is willful - the bank gains the interest on an escrow account balance that is n't needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: EdFinancial Services
State: AL

Complaint narrative:
I have been paying my loan for almost 20 years and still paying basically interest only. My accrued capitalized interest has risen to {$30000.00}, resulting in me paying 75 % of interest on every $ XXXX monthly payment. At this rate I will never pay this off. I still owe ( from 1996 ) {$90000.00} and only borrowed {$58000.00}. My rate is higher than anything else I own at 6.25 %. I have an XXXX credit score, so have nothing over 3 % and ca n't refinance or pay my loan off. My main question is how can I eliminate the capitalized interest charged and reduce my rate? This fact is not allowing me to make principle payments to reduce my debt. I had a hardship after my divorce for two years, but I still should n't have to suffer. Please advise this ca n't be legal and there has to be limits to term and interest counted for. 

I stress - I just want to pay what I borrowed so I can get my life back. Right now XXXX % of what I pay is going to interest. I ca n't even deduct the interest on my taxes. Please help me find a solution! 

Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-03 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
SO AFTER TRYING FOREVER TO GET A GOOD FAITH REVIEW FOR A LOAN MODIFICATION FROM XXXX. " XXXX '' ( WHICH WILL BE SUMMARIZED IN A SEPERATE COMPLAINT ABOUT XXXX ) MY LOAN WAS TRANSFERRED TO SHELL POINT MORTGAGE SERVICING " SP ''. SO IN AN EFFORT TO START THE PROCESS OF BEING REVIEWED FOR A LOAN MODIFICATION I WAS PUTTING TOGETHER A REQUEST FOR MORTGAGE ASSISTANCE AND CALLED " SP '' TO LEARN - ACCORDING TO THEIR RECORDS - BECAUSE THERE HAS BEEN ALOT OF CONTROVERSY REGARDING THIS THROUGHOUT THE LIFE OF THIS LOAN ... .WHAT THE MONTHLY MORTGAGE PAYMENT SHOULD BE ( ONCE AGAIN, ACCORDING TO THEIR RECORDS ). CALLING XXXX ON XX/XX/2016 AND SPEAKING WITH SP REPRESENTATIVE XXXX XXXX HE WAS ADAMENT THAT THE MONTHLY PAYMENT WAS {$3200.00}. AS THIS WAS QUITE A DIFFERENT NUMBER THAN WHAT XXXX HAD TOLD ME I ASKED HIM SEVERAL TIMES IF HE WERE SURE ABOUT THIS FIGURE?? AND THE ANSWER EACH TIME WAS A CLEAR " YES. '' SO I WAITED AND CALLED THE SAME NUMBER LATER ON THAT SAME DAY ( XX/XX/2016 ) TO DOUBLE CHECK ON THIS. THE REPRESENTATIVE WOULD NOT IDENTIFY HIMSELF BUT HE INFORMED ME THAT MY MONTHLY PAYMENT WAS {$5300.00}. 
I EXPLAINED TO HIM THAT THE FIGURE HE WAS TELLING ME WAS VERY MUCH DIFFERENT THAN THAT OF WHAT I WAS TOLD BY THE PREVIOUS SERVICER AND WHAT THE SP AGENT HAD TOLD ME EARLIER IN THAT VERY SAME DAY. BUT HE TOO WAS ADAMENT IN HIS FIGURE OF {$5300.00} AND WHEN I ASKED HIM SEVERAL TIMES IF HE WAS CERTAIN OF THIS FIGURE THE ANSWER WAS A CLEAR " YES '' EACH TIME. 
SO THERE YOU HAVE IT - IMMEDIATELY OUT OF THE GATES IN THE PROCESS TO GET A GOOD FAITH REVIEW FOR A LOAN MODIFICATION SP WAS STRAIGHT UP LYING TO ME ABOUT THE MONTHLY MORTGAGE PAYMENT ( WHICH OF COURSE WOULD MAKE IT IMPOSSIBLE FOR ME TO GET A LEGITIMATE REVIEW FOR A LOAN MOD UNDER WAY ). AND SINCE THIS HAS BEEN A SERIOUS ISSUE AND SOURCE OF GREAT CONFUSION GOING BACK ALL THE WAY TO THE ORIGINATION OF THIS LOAN COMBINED WITH THE FACT THAT I HAD JUST SPENT A WHOLE YEAR TRYING TO GET A REVIEW FROM XXXX ONLY TO GET A NEVER ENDING RUN AROUND - I REALLY HAD NO CHOICE BUT TO FILE BANKRUPTCY AT THAT POINT. AND WITH IT HAS COME MANY ADDITIONAL COSTS 2 ) TIME LOST ... .IT 'S TAKING A TON OF MY TIME AND FOR YEARS NOW I HAVE BEEN WASTING MY TIME ON THE PURSUIT OF A LOAN MODIFICATION AND I REALLY, REALLY NEED FINAL RESOLUTION TO FINALLY MOVE ON WITH MY LIFE. OTHERWISE I MAY JUST XXXX. SERIOUSLY.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-12 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Shopping for a loan or lease — 
Company: TCF NATIONAL BANK
State: WY

Complaint narrative:
On XXXX XXXX, 2016 my husband and I contacted XXXX XXXX XXXX to purchase a 2016 Ram 3500 Pickup Truck. The Finance Manager XXXX XXXX took our credit application. ( See Attached E-Mail ) He was also told by my husband that we were both Victims of Identity Theft, and had 7 year Extended Fraud Alerts on our Credit Bureau Reports. He was also told no loan could be considered until we were both contacted by any lenders. On XXXX XXXX, 2016 XXXX XXXX confirmed with my husband that we were approved for Financing from lender XXXX XXXX. On XXXX XXXX, 2016 we took delivery of our new vehicle. On XXXX XXXX, 2016 I received a notice of an Adverse Action Credit Notice from Gateway One Lending & Finance for a " Credit Denial ''. It listed my Credit Score from XXXX as XXXX out of XXXX and reason as " Amount owed on accounts is too high ''. This is not only untrue by ridiculous. I was completely unaware Gateway One Lending & Finance was a lender that XXXX XXXX sent my Credit Application for consideration. I was NEVER contacted by Gateway One Lending & Finance Loan Officer, and I was NEVER offered any credit under other terms from Gateway One Lending & Finance. I was contacted by ( XXXX ) other lenders for my Credit Application. Both followed the rules pertaining to my 7 year Extended Fraud Alert on my Credit Bureau Reports with the ( XXXX ) Major Credit Bureaus XXXX, XXXX, and XXXX. Neither of the other ( XXXX ) Lenders issued an Adverse Action Credit Notice. Gateway One Lending issued an Adverse Action Notice without compliance with Federal Law pertaining to the Federal Credit Opportunity Act. ( See Attachment regarding Identity Theft Victims required contact by Lenders )

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-24 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
I received a " Fee Schedule '' insert in my envelope with my XXXX Tax form from Shell Point Mortgage Servicing. The newly instated fees, of which we have no say over, by this company that " assumed '' my mortgage are excessive, to say the least. In some cases the increase is 100 %. This is an undue, unfair, unrepresented increase. For example, if I chose to have my house appraised, they have created a {$1000.00} to assess me. In order to pay my bill, it will now cost me {$10.00}. It used to cost {$0.00}. The recording fee went from {$0.00} to {$100.00}. If they choose to hire an attorney for any reason, even if I am unaware of it, they will charge me {$35000.00}. If I declare bankruptcy, they will charge me an additional {$2000.00} just for declaring it, up from {$0.00} previously charged. There is a " loan repayment fee '' for paying the loan which is undisclosed because it " can vary widely ''. 
These are just some examples. 
These seem outrageous. We did not choose this company so we have no say in this.It is abusive.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-18 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: JH Portfolio Debt Equities, LLC
State: MD

Complaint narrative:
I have received XXXX letters now XX/XX/XXXX from a collection agency on a debt ( that I do n't even remember ) from XX/XX/XXXX. However, I do remember that I had any and all debts discharged from a bankruptcy XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-08 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: STONELEIGH RECOVERY ASSOCIATES, LLC
State: CA

Complaint narrative:
XXXX XXXX XXXX is charging me {$2100.00} in debt but does not make sense because I had insurance at the time so that total is incorrect.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-26 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: The CMI Group, Inc.
State: VA

Complaint narrative:
1. Consumer contacted on XXXX XXXX for a billing which was rendered less than XXXX days ago XXXX XXXX, 2015. 2. Customer paid half the billing without even allowed to review it. Address change and move to new address happened on XXXX XXXX, 2015. 3. Agency was given new address and consumer still has not received billing. Agency refused to identify its license number or forward calls to upper management or give email address for complaint and resolution. Credit Management Associates advised that the invoicing would be stayed for XXXX days and this has not happened as of XXXX, Full name of all management personnel refused access. Violation of and inappropriate contact for a {$68.00} with which {$34.00} was paid pending receipt of invoice. Collection Personnel not allowing access or refusing to take message is XXXX XXXX. Mgr who does not take calls are XXXX XXXX and president who does not answer or take calls is XXXX XXXX.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-04-30 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Northland Group Inc
State: WA

Complaint narrative:
This is a continued attempt to collect a debt on an old credit card that I do not believe to be mine. I have requested verification of this amount, and am either ignored or sent extensive paperwork to complete. At no time has either third-party agency provided me with proof of debt. If I received anything from them that showed this was valid, I am happy to provide payment, but as my records show my last payment on the card ( which I paid in full ) was in XX/XX/XXXX, I am concerned at the paperwork stating that it was paid last in XX/XX/XXXX, years after I had moved from XXXX and last used the card. Again, I had paid this card in full and then relocated to Washington three months later. After researching both Northland Group and XXXX XXXX XXXX and learning of their less than ethical practices, I felt it necessary to report their activity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-31 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: MODERN FINANCE COMPANY
State: CA

Complaint narrative:
This situation with MODERN FINANCE has reached the limits. ALL THIS HARRASMENT FROM BOTH parties. I 'm being harassed and targeted for no reason therefore I 'm taking all necessary steps to secure my safety by all means necessary. Another civil theft has happen by Modern Finance third party XXXX personal information was once shared with this third party without my consent. MODERN FINANCE INTERNAL PERSONEL ( Collections Department ) Stated the only way for the vehicle to be redeem was that I walk in to there location with the full amount of the debt. soon as I Began to ask questions I could not get a straight answer and then he stated that I need to talk softly to him and then he just hung up. That shows the unprofessionalism that this certain entity lacks of. This is do to the erroneous information that MODERN FINANCE failed to keep up to date, monthly statements never came how they were supposed to. If they think that they are gona continue to do this they are wrong my next step will be to push this threw the courts and hold XXXX XXXX and Modern Finance liable on there face for any additional fees I come by.all my receipts and paper copies show all the erroneous data from Modern Finance. there for hope that CFPB can help with this situation again for the forth time.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Credit decision / Underwriting — 
Company: Movement Mortgage LLC
State: NC

Complaint narrative:
I have met all the requirements from pre-approval and final underwriting. They have stated that the max on the debt to income ratio for manual underwriting approval is XXXX % and I am at XXXX %. Other applicants with similar circumstances but a different gender, race and age where approved. I am under the XXXX % and they have denied my loan approval. They had me cancel one of my credit cards to meet their approval requirement 's, which has affected my credit. Since beginning the loaning process Movement Mortgage has known my debt to income ratio was 42 % the entire process, but has never mentioned it being an issue. I was told by the loan officer that if a different person on the loan committee did the final overview we would probably have a different outcome which is unacceptable. My life and my family 's life all depended on how one person feels about my age, gender, and race. I have my cash to close, three months ' worth of mortgage payments in reserves, home owners insurance, paid inspection fees, and the seller paid {$5000.00} towards the closing. I was conditionally pre-approved ( met all of the conditions such as closing my credit card ) for a loan amount of $ XXXX ; the contract purchase price was for $ XXXX. The seller paid $ XXXX, bringing the home purchase lower than the max on my pre-approval. Also, my mortgage payments would be approximately {$400.00} cheaper than my current rent which they are aware of. I have been renting for 3 years paying nearly {$1000.00} with no issue per my VOR. The mortgage would only be {$460.00} with about $ 200 monthly mortgage insurance, homeowners insurance and property taxes each month. I have been consistently employed for more than 3 years and I 'm currently employed as a banker. They made a huge deal out of my XXXX time ; discounting my hours worked and scrutinizing my time away from work on XXXX and XXXX ( XXXX ). Due to unforeseen issues with my XXXX and XXXX year old I had to devote some employer excused days to them but my monthly pay never showed a major decrease, if at all. They made it clear that this was a huge negative for them. I 'm also married and my husband is self-employed with a profitable business. We have a family that deserves the American dream that we have worked so hard for and we should n't have been denied this loan. They were clearly discriminating because I am a XXXX old XXXX Mother with XXXX small children ; however I am also a XXXX, with lucrative income, a solid work history, a solid rental history, and a fair credit score. Discrimination is not an option! We have to get justice!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-08 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: GFS II, LLC
State: OH

Complaint narrative:
XX/XX/XXXX I asked for hardship assistance with my car loan. I was told to make an XX/XX/XXXX payment and then we can apply me for a deferment to assist me. I did that. I never received deferment papers as promised. I am requesting a two month deferment on my loan to get caught up. My fiance ( also on the loan ) lost his job XX/XX/XXXX. He did not regain employment until XX/XX/XXXX. He has maintained that job and I would like to get caught back up. I just spoke to Gateway ( supervisor XXXX ) who refused my payment arrangement of {$500.00} on XX/XX/XXXX my next pay date. I have to pay my rent with this check that I just received as my rent is due on XXXX with no grace period. I explained the situation and was willing to add on {$100.00} to each payment but he refused my arrangement. They want a payment today or they are threatening to take the vehicle which will only further complicate the situation as my fiance will lose his job. He has to have the truck for his employment. All I was asking for was 11 days. Also, it should be noted that their website is not user friendly and to find the log in screen, I had to be guided just now by XXXX. I thought there was only a payment option ( one time ). I had no idea I was this far behind on the loan. It has been a nightmare dealing with Gateway. They do not have friendly hardship assistance for customers. Why just because I have a subprime loan are they making it harder on me? I feel like this company is benefiting from taking back vehicles from customers. They are being unfair and it was deceptive that I am just now finding out I am 3 months behind on this loan! I have received NOTHING by mail alerting me to this fact either! Normally you would at least get a notice by mail ( certified mail ) that your vehicle is about to be repossessed. I need help in dealing with this poor loss mitigation practice. A two month deferment would get me back on track.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-09 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Fidelity National Information Services, Inc. (FNIS)
State: CA

Complaint narrative:
To whom this may concern, In follow up to my disputes concerning false information on my credit report, I have obtained my FTC Identity Theft report number which is : XXXX. The website is broken at the moment and will not generate a full PDF, however, Chex Systems , Inc. is legally required to investigate all disputes for fraud and the information within this PDF will assist in removing known to be false and previously disputed information.

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