vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-04-08 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: MarkOne Holdings, LLC
State: TX

Complaint narrative:
In XXXX 2015 I sent {$1500.00} along with my regular car payment of {$300.00} for XXXX, 2015 to my car loan company ( Mark One Financial ). Along with the {$1500.00} check, I wrote a letter stating that the {$1500.00} was to go toward my principle. I had also written that in the memo of the check. Today I get a statement stating that my next payment is due XXXX 2015 and my payment only {$31.00}. I called Mark One Financial and spoke with XXXX, who would not give a last name. I asked her why my {$1500.00} had not gone to my principle. She stated that all payments would pay the interest XXXX. I told her it was not a regular payment and that I had sent a letter with that check stating that it was to go toward my principle. She then stated that their system did not work like that. I became upset so she put me through to her manager XXXX XXXX, who has no XXXX name, she stated the same thing. She brought up the contract, so I asked her where in my contract does it state that. She said she did n't know she would have to look at it. She then asked me if I was going to get upset over {$17.00}? Now I 'm furious, no where in my contract does it state that any principle or prepayment would go to pay interest XXXX I then told her that I would be filing a complaint, to which she stated she would be contacting her attorney. I told her good and hung up.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Nelnet, Inc.
State: CA

Complaint narrative:
I re-applied for my IBR plan on with Nelnet on XX/XX/XXXX. I contacted their customer support team on XX/XX/XXXX and spoke with XXXX. She confirmed that my application had been received but the processing was pending on it. She advised me that no further action was required, especially since my due date was not until XX/XX/XXXX. Now that it is XX/XX/XXXX, Nelnet confirms that the application was received, but they did not process it. As a result, they capitalized my accrued interest and told me to start a new IBR application. I believe they are at fault for not processing my application and that the interest should not have been capitalized.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-11 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
My bank all of a sudden send me a letter stating that they are closing my account. When I asked them what happened, the reason was " it 's a business decision ''. I understand that they can do that, my concern is what happened that triggered it. 

They did leave my business account open.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-19 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
I 'm currently upside down by XXXX-XXXX and unable to refinance and as of XX/XX/XXXX my mortgage payment will increase from XXXX to XXXX. Due to interest rate increase. I applied for a home modification or rate modification with my mortgage bank and they denied me. They stated that I should be able to make the new monthly payments based upon income and that they could not adjust my mortgage balance so that I could refinance. How can someone that 's living paycheck to paycheck take a major mortgage increase like that with no assistance options. I was told by chase to sale the home or give it back. I have never been late with my payments. I 'm just a single man struggling to keep a roof over me and my XXXX parent head. It 's sad that they want to throw us out into the street. Unfortunately I 'm in a area that has not recovered form the XX/XX/XXXX housing boom. I 'm still under water with no hope in sight due to the decline of the area. We the tax payers bail the BIG banks out all the time and it 's sad that they ca n't show a little compassion for the tax payers in their time of need.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-16 00:00:00
Product: Mortgage — Other mortgage
Issue: Credit decision / Underwriting — 
Company: CITYWIDE HOME LOANS A UTAH CORPORATION
State: NV

Complaint narrative:
We were told in XXXX that we had been qualified thru USDA to purchase a home for {$160000.00}. We purchased a new build home and uprooted our whole lives to move to XXXX, NV and watch our new home being built. On XXXX XXXX we were finally doing our final walk-thru and would be in before XXXX. During that walk thru our lender called the sales agent ( not our agent ), to tell her we did not qualify because we are on income leveling. This means that when social security kicks in, ( in 2 years ), my retirement benefits come down by exactly what my SS amount will be ( {$XXXX} ). They told me that one underwriter had been fired and the new underwriter had dis-qualified me on that fact.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-18 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Cedars Business Services, LLC
State: NY

Complaint narrative:
Title 15 US Code Fair Debt Collection Practices Act. XXXX XXXX knowingly sent a debt that is not owed to them to collections resulting in the matter being placed on my credit report. 

When I found the item on my credit report. I started investigating, I called the college first then Cedar Collections. I was met with a rude and harassing debt collector who failed to use mini Miranda, failed to properly verify identity of consumer. Instead of having me confirm id, the collector asked closed ended questions, to which I answered yes or no. My information was released then I was offered the ability to affirm. ( Privacy - possible Violation Oxley Act definitely a violation of the FDCPA Fair Debt Collections Practices Act when the Collections Agent from Cedar called me back within 1 hour of the call I made to them. The collector immediately started a conversation with me without confirming identity. I asked what his purpose of calling was except to harass me and I pointed out that we just spoke and to call an alledged debtor back within 24 hours is a violation of FDCPA. I told the agent it was not a valid debt for many reasons, the class was dropped and I was locked out within the first week of classes due to financial aid not lining up as expected. So the college is trying to get paid for a product they did not provide and the collection agency is using a citation on the credit report to threaten a consumer. Extortion, Possible multiple violations of US Codified Law US Code 15 FDCPA and FCRA Harassment. Even after I started speaking with the recovery agent I gave great detail the issues surrounding the matter The agent implied I was lying making statements such as " Well, that 's not typically what happens, sir. '' was the response more then once. So there was an implication that I was lying. A debt collector can not legally use phrases like this, I felt very harassed. If this company has recordings like it should, then this is recorded. I mentioned the matter should be sent back to the client and I never received a XXXX or docket letter from this company. I had to 90 day period of time to dispute. I am discussing this matter with an attorney. I received an email from the college informing me to dispute this matter with the collection agency. I did verbally I should not have to do anything else. I just had a XXXX and I can document that I believe my XXXX was brought on in part due to this..

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-21 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: SLM CORPORATION
State: PA

Complaint narrative:
My daughter has student loans through Sallie Mae, I am a co-signer, due to her pay schedule her payment may be a few days late. We receive robo calls about a week before payment is due, and then for about a week after. These calls come every hour. I have called and talked to their representative and they tell me there is nothing they can do to stop the calls even after the payment is made.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-19 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: SLM CORPORATION
State: MN

Complaint narrative:
I had to take out a loan for a college program I was doing, during the program many things were changing. The loan, already priced very high, was super expensive and hard for me to get but I was able to get it approved and continue the program. Then things started changing in the school like everything went to an online school format and that is not what we expected or what we were paying for. So after changing everything, almost all of the students grades started to lower including mine, which lead us to failure. Thats is what happened, they were not teaching well like they were in the beginning of the program and a lot of the students I spoke to failed many tests and the program. I unfortunately failed the program barely passing, I actually passed but they could not understand my situation of help me instead they decide to kick me out of the program and leave me with the debt. This happened at the XXXX college at the XXXX campus.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-22 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: COLLECTION BUREAU INCORPORATED
State: ID

Complaint narrative:
Collection Bureau Inc. placed an account on my credit that does not belong to me. I have tried contacting them and asked them to provide proof that this account belongs to me or to remove this account and they have not done either. They simply responded by telling me to call in?

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-22 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Home Headquarters Inc
State: NY

Complaint narrative:
Home Headquarter the lender engaged a XXXX and XXXX to collect the debt. During the negotiation process the law firm began a suit. I with a pro bono attorney 's advice answered the law suit in a timely fashion. The lawyer 's office was aware that I had answered yet never requested judicial intervention and instead filed a default judgement against me thereby denying me due process.

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 2015-12-02 00:00:00
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: Goldstein, Cruise and Smith LLC
State: NV

Complaint narrative:
This guy named XXXX XXXX his phone number is XXXX said he was calling on behalf of XXXX, but when we called them they knew nothing of me or them. they told me to contact the ftc. This man said he would have me served with a warrant and taken to jail if i did not pay him. I had never heard of this company or this guy, yet he said there was a court case against me and said if i did not pay him that he would take me to jail from work. We contacted our lawyer and he said a lot of clients had been getting calls like this and to report it as fraud. 
This person threatened my wife, my mom and my brother. 
These people somehow have my job information, my address and my family member names, and they will not send me any information whatsoever on who they are or who they represent. I ask for information and they yell at me and tell me that unless I pay them they will take me to jail. I said that I do not know of them and want proof they are not a scam, then they get louder and more threatening and hang up on me. 
This company that they say i owe money to never heard of me or them. they told me to report this. I hope that these hateful people are prosecuted. Very awful that they call you and make you feel like a criminal and yet they are the criminals.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed
Consumer complaint received 2017-01-25 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
Reference : Case # XXXX. 
XXXX ( XXXX ) called me today to tell me HSA Bank will close my account - their chose not mine. I sill CAN NOT access the account. When HSA closes my account and sends me a check there will be taxes due on this money because it is a tax deferred health savings account. HSA MUST pay the taxes since HSA has chosen to close the account because I can not access the account on line.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-12 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I opened an HSA account with my employer beginning in XX/XX/XXXX through HSA Bank ( a division of Webster Bank ). It was free as long as I kept my insurance plan with my employer. I ended up leaving my employer XX/XX/XXXX. However, I kept my insurance plan through COBRA. I believe the computer realized I left the company and began charging me a {$5.00} monthly fee. I was charged for three consecutive months. But then, it appears, HSA Bank received notification I was still on the company 's insurance plan. So, the fees stopped. The XXXX {$5.00} fees were charged in error. I have called HSA Bank three times to get the fees reversed. At first, I was promised they would be taken care of. On the third call, I was told they were charged by a third-party called XXXX, and that I would have to contact them. I also called them. They said they would resolve my fee complaint, but it was never handled. I then reached out to HSA Bank again via email and they still did not correct the fee error. It has now been more than 15 days with four phone calls and two emails with no resolution over {$16.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-03-20 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: iFreedom Direct Corporation
State: AL

Complaint narrative:
I originally purchase my home with a VA loan on XXXX XXXX, XXXX. At that time, my home was not in a Special Food Hazard Area ( SFHA ) as defined by the Federal Emergency Management Agency ( FEMA ). My mortgage company did not require me to purchase flood insurance. 

On XXXX/XXXX/XXXX I submitted a loan application to iFreedom Direct Corporation to refinance my home. 

The Loan Estimate that I received was dated XXXX/XXXX/XXXX and makes no mention of flood insurance. The final Closing Disclosure was dated XXXX/XXXX/XXXX and makes no mention of flood insurance. They had a copy of my home owners insurance at that time and used my premium amount to determine the initial escrow amount. They knew well ahead of time that I did not have flood insurance. 

On XXXX/XXXX/XXXX I closed on the loan. At that time I was given a Notice of Special Flood Hazards and Availability of Federal Disaster Relief Assistance ( " the notice '' ). This notice was just simply mixed in with all of the rest of my closing documents. 
Lenders are required to use the Standard Flood Hazard Determination Form ( SFHDF ) to determine the correct Flood Zone. 

First of all they determined an incorrect Flood Zone rating for my home. No portion of my home is located in a Special Flood Hazard Area ( SFHA ). Thus the provisions of the Flood Disaster Act of XXXX do not apply. I 've attached XXXX flood determinations to support this. 

The notice that I received contains the following statement : " Federal law allows a lender and borrower jointly to request the Administrator of FEMA to review the determination of whether the property securing the loan is located in a special flood hazard area. If you would like to make such a request, please contact us for further information. '' They would not however respond to any of my requests for assistance with this. 
The servicing of my loan was transferred to XXXX and now they are requiring me to purchase flood insurance.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-18 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Specialized Loan Servicing Holdings LLC
State: CA

Complaint narrative:
SLS Loan XXXX XXXX leinXXXX XXXX Loan XXXX XXXX leinXXXX XXXX XXXX XXXX XXXX CA XXXXWhile in escrow during an approved short sale we discovered issues with title which brought to light a XXXX. We immediately started negotiating with, all of this was being discussed with SLS, via phone calls and paperwork faxed! Out of the blue SLS decided to deny the short sale and foreclose my house while in escrow!!!!! I have a foreclosure set for tomorrow - my question here is how is that possible that a lender can deny a short sale while in escrow!! How can they do tat when they had approved the short sale while in communication with us - NEVER once mentioning that they would recinde their approval. When called they told us that they needed 37 days to review a new file and that now there is simply no time as they are too busy with other files - 37 days???? How can they review a file that has already been approved and all parties amounts are the same?? We have to live with a foreclosure on our back because SLS is too busy for us when we are trying to do the right thing???

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-31 00:00:00
Product: Payday loan — 
Issue: Payment to acct not credited — 
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: CA

Complaint narrative:
Applied for a loan, but did n't receive money and lender took money out of my account for a loan they did not fund. 
On XX/XX/2017 I submitted and was approved for an online direct deposit loan for the amount of {$250.00} to be deposited into my personal checking account XXXX XXXX XXXX union. On XX/XX/2017 I called in Cash Central customer service to verify the day the funds would be deposited. I was advised by a representative the loan would deposit on XX/XX/2017. On XX/XX/2017 I checked my account and no monies were deposited by Cash central. I immediately called Cash central and spoke to XXXX separate representative first a man and then a lady and advised him since the money was not sent by cash Central then I request to Rescind my loan. ( Being within the right to rescission time frame ). I was advised they would send an email to their manager and have the loan cancelled. On XX/XX/2017 Cash central withdrew {$250.00} from my bank account causing it to overdraft. I again called Cash central spoke to a rep. and I let her know Cash Central never deposited or funded the loan and that by them pulling the money out of my account was an error. The rep advised that Cash central did send the money to the account and for me to check with my bank. I called my bank and the rep advised there is no record of any deposit from Cash central. I also check my bank statement online and there is no deposit from Cash Central of {$250.00}. I need assistance recouping the {$250.00} Cash central removed from my account and any fees incurred from my bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-09 00:00:00
Product: Debt collection — Federal student loan
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Performant Financial Corporation
State: UT

Complaint narrative:
I have made many attempts to try and resolve the claimed outstanding debt but the company will not speak with me. They claim account is in a status they can not speak to me about yet they continue to report to credit and they do not allow me to make any resolution

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 2016-06-10 00:00:00
Product: Debt collection — Federal student loan
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Performant Financial Corporation
State: CA

Complaint narrative:
Performant Financial Corp did an " Hard ' inquiry ( which decreased my fico credit score. Any Hard inquiries decreases your credit scores ) without telling and/or informing me that they were going to inquire about me on my credit report. I did not sign and/or give verbal authorization as well. When I called to ask for them to delete from my credit report, Performant Financial Corp will not. When asked to provide any documentation that I gave authorization to inquire, they will not provide it to me. Per FCRA I have a right to request for this inquiry to be removed from my credit report. Attached is a copy of my credit report XXXX page XXXX inquiry down Performant Financial Corp inquiry, XXXX page my rights. Please remove from my credit report. 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