vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-05-18 00:00:00
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Locate Services LLC
State: OH

Complaint narrative:
The collection agency is " Location Services LLC '' located in Ohio. On XXXX/XXXX/2015, I spoke with a representative from Location services who claimed that I needed to set up payments for a balance of XXXX that I owe to XXXX. XXXX has gone into my bank account and taken payments on a balance that I owed them from the original loan of XXXX. XXXX even sent a letter to me stating that I only owed them XXXX and if I were to bring that payment in to them that I would be eligible to re-loan with the company. 
When I questioned the representative from Location Services about the balance his reply was " I dont know either '' and he hung up the phone on me after I explained to him that I dont owe that much from XXXX and that they received payments directly from my checking account. To me it seems as though this collection agency is trying to collect funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-11 00:00:00
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Concord Resolution Inc (Closed)
State: DC

Complaint narrative:
I received numerous voicemails from " Concord Resolution '' in XX/XX/XXXX. On XX/XX/XXXX I spoke with XXXX XXXX at Concord Resolution who informed me that I owed a {$300.00} payday loan from XX/XX/XXXX. They had most of my personal information including last XXXX of social, name, and address. I informed XXXX XXXX that this was not my debt. He said he would mark the file as my refusing to pay. On XXXX XXXX I sent them a verification of debt letter via certified mail. They have not responded nor provided any further information. 

I have never received a payday loan from any company. I reviewed my bank records and all other information and this debt is not mine. This is a fraudulent attempt by Concord Resolution or " XXXX '' to steal money from unknowing consumers.

Company response to consumer: Untimely response
Consumer complaint received 2015-07-14 00:00:00
Product: Payday loan — 
Issue: Applied for loan/did not receive money — 
Company: Concord Resolution Inc (Closed)
State: IL

Complaint narrative:
keep getting phone calls from debt collection agency. 
they claim i owe a debt to an internet payday loan company. 
I never received any money in my account from this company. 
The debt collector is concord resolutions llc. their phone number is XXXX XXXX XXXX. I never got any paperwork or money form the company they say i owe money

Company response to consumer: Untimely response
Consumer complaint received 2016-05-09 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: Taylor Pigue Marchetti & Blair, PLLC
State: FL

Complaint narrative:
The Law Offices of Taylor, Pigue, Marchetti and Blair, PLLC had, for several years, garnished my wages while I worked for the XXXX. We have asked them repeatedly for a full accounting of all monies received and how they were applied and they have failed to respond to my request. It seems instead of the debt being reduced it continues to increase. I retired from XXXX in 2015 and am currently unemployed - it is imperative that I know how much money they have received and how it was applied, so I know how to move forward.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-11 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: MEI AUTO FINANCE INC
State: TX

Complaint narrative:
This company does not use proper collecting practices when calling consumers, they never recite the disclosure statement when initial contact is made, the agents use threats of actions they can not legally carry out. Today XXXX/XXXX/XXXX an agent threatened my daughter whom has assumed payments on my common law husband XXXX Cadillac DTS. The agent told her that XXXX my vehicle a XXXX XXXX that was purchased at a later date and different owner account is connected and since she could n't make payment XXXX vehicles will be sent up for repossession. An agent by the name XXXX refused her partial payment stating she has to have the whole payment putting her further behind. These agents have made personal remarks insinuating having a personal relationship with my husband to my daughter. My husband even called today to ask for a 10 day payoff and again the said representative XXXX replied she would call him tomorrow with that information. A 10 day payoff should have been performed while my husband was on the line, there 's no way he should have to wait for that information.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-07 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY
State: OR

Complaint narrative:
Wells Fargo opened XXXX accounts in may name since XXXX. XXXX of these accounts were opened in the past 5 years. Wells Fargo ran my credit for a personal loan that was intended to be used as debt consolidation. At the time I had less than {$3000.00} a year in income. Wells Fargo opened a credit card account for me when I had no income and that got closed and in XXXX they opened another saying that it would help me build credit. Again at that time I had little to no income. I had to go into a branch to even find out all of my account numbers/ and the dates that they were opened and closed as these arent available online. I also have paid over {$2500.00} in over draft fees. Wells Fargo refused to allow charges to be denied when funds werent available. There were times where my account would have XXXX or more stacked on overdraft fees because items would be posted in my account online and then disappear only to reappear a few days later and with multiple {$35.00} fees attached.

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 2015-04-10 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Threatened to take legal action
Company: Halsted Financial Services, LLC.
State: NH

Complaint narrative:
I was contacted by Halsted financial services.I asked if they could send me a copy of the paperwork that determined I hold the debt. They refused to provide me with the paperwork as well as hung up on me. I called back XXXX 4 times after being hung up continuously. After finally speaking with someone and requesting the documents again I was told no multiple times and that I would experience wage garnishments as well as being sued in court if I did not settle the debt immediately. I again asked for the proper documentation that showed I owed the debt the representative refused to send me the paperwork. I asked to speak with their supervisor and was immediately told no that is not possible at this time. I said I will have nothing further to discuss with you until speaking with your supervisor I was hung up on. I 've been called back and got the company name to file the complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-14 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: DISCOVER BANK
State: PA

Complaint narrative:
This phone number called 13 times today alone.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20 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: CA

Complaint narrative:
I 've just seen a report that the CFPB have, in my opinion, rightly, sued Navient, formerly XXXX XXXX. I had more problems in the beginning of my loan in regards to abusive calling, rising & outrageous interest ( sometimes due to deferment plans ), & unrealistic repayment plans/advice. My main 2 issues, however, would be that when I 've called to remove a co-signer, at least 3 times, they 've made it a much more complicated process than it should be, ultimately always denying the request. One such event was not alerting me to a payment that did not go through on their website and not alerting me, even a month later, that it had caused me to go late. Another was also not communicating correctly that when submitting paperwork to release the co-signer that they required redundant forms and when I submitted the form they cited that it had to be filed within 30 days of the original submission, thus leading to a denial of my request. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-13 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: LOAN TO LEARN

Complaint narrative:
I am out of the US and need my IRS XXXX tax form. My loan with Loan to Learn was paid off in XXXX XXXX and this tax form is the last thing I need from them. I called and spoke with XXXX reps and a supervisor and was informed that their company does not have the appropriate security measures in place to send me the form electronically or even by fax. Also due to the cost they are not able to mail me the form in XXXX. I was given the information verbally which is useless being that my taxes are being prepared by a 3rd party, again because I am not in the US, or I could send an email with a letter stating I approve my SSN to be mailed along with a pre-paid shipping label. This is 100 % not acceptable for any company operating in XXXX. It is putting unnecessary burden on the customer. I fail to see how they can justify USPS as the only secure means to send tax information.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-01 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
Hi, I have both federal and private loans. During enrollment at XXXX University ( XXXX ) in XXXX XXXX which is now closed, I feel that I was cheated into paying for this degree with Federal and private loans. There were many times when the school was under investigation and in jeopardy to lose its accreditation. Now that the school is closed, the school feels like a fraud. Its been a while, but I remember while attending school, I was pulled into the financial office and told that I have exhausted/run out of funding to continue attending the school and that I should take out a private student loan and get my mom to co-sign. I told them I was nervous about not being able to get approved and then re-paying and the lady told me that she took out loans for her degree too and now she has a family and she only has to pay under {$100.00} and not to worry about it. She assured me that it was easy to take out a loan and that it would easily be approved. I really feel like I was a vulnerable victim and now i 'm stuck with an almost {$80000.00} in loan debt that I have been trying my best to pay for so many years to only find that the debt gets larger and larger. Even after telling XXXX/navient that I have been un-employed, they continue to offer me no help. At this point, my degree is worth nothing and I would like for them to refund me the money or at least the money I have paid and forgive me for the remaining debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-26 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: JPMORGAN CHASE & CO.
State: TN

Complaint narrative:
I was attempting to assume a mortgage loan from my father for a house from Chase bank. The loan in question is roughly {$86000.00} and I have a credit score of XXXX and an income of {$XXXX} per year with quarterly bonuses and only small debt in the form of student loans. I submitted all information requested by Chase only to be denied on a small technicality. I am recently divorced and, after my separation, I was fortunate to be able to live with a close friend as I figured out what my next step was. During one month, I purchased season football tickets and sold XXXX of the tickets to my friend. He then discounted my rent for that month. After giving Chase all my financial information, they questioned why I had a month that was less than my agreed upon rent ; I explained what happened and offered my friend to submit a notarized document stating I paid him. Despite these efforts and all the work I put in on getting the appropriate information to Chase, they denied my loan citing " Delinquent past or present credit obligations with others ''. This is patently false and they refused to allow me to provide documentation stating so. The account representative that was so difficult to work with is XXXX XXXX in the Assumption Department

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-20 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: KS

Complaint narrative:
I 've been given the run around multiple times and even forced to pay extra than my already agreed upon set monthly amount. My account online still says it is past due but today Navient has told my that my account is current. 

After being disconnect multiple times, with what I think people not wanting to figure out what is wrong with my account, I finally got through to someone who told me that because I made a previous agreement that I am fine and my account will be current, but the website will not reflect what agreement is made over the phone. I feel like this is a huge act of deception and could cause people to overpay/ or cause financial problems to some. 

Even after being told that our account is current we continue to get calls from an automated line from Navient saying our loan is due to be paid. 

I am scared that late fees are being charged and I am not being told about them and that this cycle will continue. They also seem to misallocate my payment as each of my student loans gets a different amount each month. 

Obviously there is more problems going on but I am unable to type all of them out. This is from loans when I was at school at XXXX - XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-07 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: NY

Complaint narrative:
Navient frequently locks me out of my account. On XX/XX/2017 -- I changed my password and stored it in my XXXX cloud keychain. When trying to log in later in the day, it promptly told me that my password was incorrect and locked me out of my account. This is at least the 3rd time it has happened. On top of that, when you change you password ... you 're not allowed to use any of your previous XXXX passwords. This password reset and change cycle makes it infinitely more complex to attempt to log on regularly to pay your student loans. 

In addition, they 've been allowing individuals other than myself to change account information such as contact and address information in order to collect money from family and relatives. I know this because I have seen my billing and contact information change to either my mother 's or brothers ' phones, addresses or email addresses -- this has caused considerable strain on our family relationship. This loan is not cosigned or any other way involved my relatives. 

In addition, their recurring payment option only works if your account is current ... meaning if you decide to use it while your account is overdue, it never processes a payment even if your automatic payments will meet or overpay the current balance due. With the problem of signing into your account as stated above, you can see how individuals will just end up failing to pay on time or to bring their accounts current. 

If you 'd actually like to pay your bill not online, it requires then calling them and setting up a phone payment which you are promptly charged a fee for. 

Currently have now waited over 19 minutes from when I was suppose to get a guaranteed call back from customer service regarding this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-09 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
To whom it may concern, this is my second time writing to you about my mortgage company, since the beginning of the year Chase Home Finance placed me under review for a loan modification. After several weeks waiting for a decision on my loan modification request. Chase just told me today that my request was denied because they were not able to verify my income. 
So I requested for a manager since I did n't make any sense what Chase was telling me, when I provided copy of my pay check stubs, tax returns, XXXX form, and a full verification of employment. 

Now Chase keeps transferring me to different departments telling me that since my modification request was denied they will no longer speak to me. I asked for a manager and they hang up on me. 

I am very upset about this since Chase seems not to take my request for a loan modification serious. in fact they keep transferring the calls to several departments to disconnect the call at the end.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-14 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Reverse Mortgage Solutions, Inc.
State: TX

Complaint narrative:
My husband 's grandfather had a reverse mortgage that was serviced by XXXX at the time of his death in XXXX. The home was left to us in his will. After sending in all the required documents to show intent to purchase the property, and all corroborating documents ( death certificate, warranty deeds, heirship affidavits, letter of intent, pre-approval from new lender, payoff request from title company and authorization to speak on the account from the executrix of the estate ) the loan was transferred to another servicer under the XXXX XXXX XXXX XXXX umbrella, Reverse Mortgage Solutions. Despite having been told these documents and authorizations to speak on the account would be transferred over to RMS, they were not. So, I resent every document to the new servicer. Now, I 'm being told conflicting information about how long the process of even getting authorized on the account will take. Also, we still have not received any new correspondence through the mail from the new servicer that would advice the estate of the status of the loan ( It was my understanding that the new servicer must inform you within the 15 days of the effective date of the transfer ). Since we are living here, we know it is imperative to be made aware the foreclosure status. Furthermore, as each day passes additional interest accrues, additional servicing fees accrue and there 's the possibility of it going into a foreclosure status without us even knowing ( which would result in foreclosure attorneys fees and other charges that should not be applied to the account ). We have done everything possible on our end as we could possibly do but without any guidance or communication from the new servicer we are getting no where. It is exceptionally frustrating when your proactive about saving a family home and a ) the servicer changes in the middle of the process with little thought given to whats in the best interest of the consumer for resolving the default. b ) not communicating with the estate what additional information is needed to advance the process c ) Stalling the servicing/payoff of the loan to increase interest, servicing fees and possibly attorney fees. It feels like Reverse Mortgage Solutions is where XXXX sends it 's loans to be foreclosed. All we are trying to do is payoff the existing mortgage balance but it seems like since were in an positive equity position and since they wo n't need to submit a claim on a deadline to HUD, they 're just dragging their feet to drive up the payoff. I 'd like to not be so cynical, but after looking at the deceptive trade practices of each entity that has been involved with this loan, I would be naive not to expect questionable ( or even unethical ) servicing.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-20 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: NATIONSTAR MORTGAGE LLC
State: WA

Complaint narrative:
Nationstar Mortgage sends very misleading, confusing, and manipulative emails and letters. Here 's one example with the subject line : " Fed likely to raise interest rates, CNN Reports. '' This type of email can scare people into making poor financial decisions. Here is the text of the mail : CNN Money XX/XX/2017 " Get ready for higher interest rates. '' " XXXX stressed that the U.S. economy is doing pretty well and has 'continued to make progress. ' She called the U.S. job market strong and said prices are moving up at a faster pace. '' " 'At our upcoming meetings, the committee will evaluate whether employment and inflation are continuing to evolve in line with these expectations, in which case a further adjustment of the federal funds rate would likely be appropriate, ' XXXX said. '' XXXX READ THE FULL ARTICLE AT : XXXX Considering a home purchase or refinance? 
CALL NOW RATHER THAN LATER We 're ready to answer your questions and help you move forward when you are ready. 
XXXX Mon-Thurs XXXX CT Fri XXXX CT Sat XXXX CT

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-23 00:00:00
Product: Debt collection — Auto
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: CREDIT ACCEPTANCE CORPORATION
State: NY

Complaint narrative:
I XXXX XXXX file this notice with the Consumer Financial Protection Bureau as a measure to request a federal consumer advocacy agency to oversee a collection matter I believe to be unfair and technically illegal. I have attached a copy of a XXXX XXXX, 2016 letter whereas I stipulated the legal requirements on any vehicle repossession. I would agree to settle this matter with certified funds of {$1000.00} if Credit Acceptance would essentially communicate with me. They have not answered my letters and I believe that my offer is more than reasonable under the circumstances. However, I am 100 % in the right on the requirements on any vehicle repossession. That is a violation under New York State collection guidelines and the national Fair Debt Collection Practices Act. Accordingly, I offer {$1000.00} certified funds to resolve this matter in the best interest of both parties, and I request that settlement offer in written form as soon as possible.

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