vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-01-19 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:
At first I remember I was making small payments while I was in school which I could afford. I believe I was paying about {$15.00} per month. I was only in the school for one year ; I could not return because I lost the only transportation I had & I also got injured on the job that left me XXXX for 3 months. My education cost was only {$27000.00} but somehow the private loan was for $ XXXX- $ XXXX (??!! ). Shortly after I was out of school I was still making payments, but now they were demanding more $ . They refuse to lower my montly payments or provide me with some assistance such as forebearance, deferrment.. Just anything.. They were always extremely rude. Honestly, I dont know how people had a joy working for them. During my time of employment they would harrass me with calls at all hours even on Sundays demanding I pay them {$400.00} a month payments and they love to make threats to garnish your wages. I honestly told them that all I may be able to pay is $ XXXX- {$150.00} a month and they still refused. I mean thats horrible! You are still going to get something from me. My school changed its name about 2-3x 's because they 've been sued so many times because the education was just horrible & now the school is officially shut down. I tried applying for loan forgiveness and they denied me because I left before the school was closed down. XXXX/Navient is the biggest debt I owe and has affected my credit score badly. I can only pray tgat one day Justice will be served & loans will be forgiven. The name of the college was XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-18 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I do n't own a XXXX account at all.

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 2016-04-29 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker — 
Company: BANCO POPULAR DE PUERTO RICO
State: TX

Complaint narrative:
IN XX/XX/2015 MY WIFE AND I TRIED TO REFINANCE OUR HOME WITH BANCO POPULAR OF PUERTO RICO AND AFTER RECIEVING NOTICE OF APPRAISAL FOR $XXXX HAVING THE DEBT AT $XXXX ($XXXX EQUITY) AND HOUSEHOLD EARNINGS OVER $XXXX FOR EACH OF THE LAST 3 YEARS. AFTER 6 WEEKS WE CALLED AND TO OUR SURPRISE WE WERE DENIED OF THE LOAN BUT THEY NEVER WROTE OR CALLED AND THEY NEVER PRESENTED A WRITTEN PROPOSAL FOR WHICH WE HAD A RIGHT TO SEE BEFORE WE WOULD ACCEPT THE PROPOSAL TO BE TAKEN TO THE DECISION MAKERS OF THE BANK STAFF.
WE GAVE THE BANK $XXXX DOLLARS FOR THE APPRAISAL AND DOCUMENTATION WHICH WE NEVER SAW. THE OFFICER THAT ATTENDED OUR CASE TOLD US THAT WE WOULD NOT HAVE ANY PROBLEMS WITH OUR CREDENTIALS AND OFFERED BY WORD OF MOUTH TO CLEAR OUR C.C. DEBTS WHICH WOULD BE ADDED TO THE DEBT ($XXXX). IN TOTAL, WE WOULD BE PAYING $XXXX LESS MONTHLY, ($XXXX) WHERE WE USE TO PAY BETWEEN HOUSE AND C.C. $XXXX CAN SOMEBODY EXPLAIN? THEY NEVER WROTE, NEVER CALLED AND WE HAD TO CALL TO FIND OUT. THEY TOLD US THAT OUR INCOME WAS INSECURE BECAUSE WE ARE XXXX????? IT WAS NOT INSECURE WHEN WE PAID THEM FOR 146 STRAIGHT MONTHS ON TIME!!! NOW, BECAUSE WE WANTED TO LOWER OUR INTEREST RATES FROM 6.25% TO 3.75% WITH VERY FAIR CREDIT. IN MY OPINION THEY WANT TO TAKE THE PROPERTY FROM US AND AT THIS POINT THAT IS WHAT THEY ARE DOING. WE STOPPED PAYING THE HOUSE BECAUSE FROM THAT MOMENT ON (XXXX) WE SUUFERED A LOST IN INCOME AND WE TRIED LOSS MITIGATION BUT WITH NO AVAIL BECAUSE THEY TOLD US THAT THE HOUSE BELONGS TO XXXX AND THEY DO NOT DEAL WITH LOSS MITAGATION. WE WENT TO CONSUMER CREDIT, WE TRIED HARP, HAMP, HOPE, MAKING HOME AFFORDABLE WITH NO RESULTS IN OUR FAVOR. THE BANK WAS MENACING US THAT IF WE DID NOT GIVE THEM THE HOUSE THEY WOULD FORECLOSURE LEGALLY, TAKE IT TO AUCTION , SELL AT WHATEVER PRICE THEY CAN AND WE WOULD BE RESPONSIBLE IN OUR LIFETIME OF PAYING THE DIFFERENCE. WE HAVE SUFERRED A GREAT LOST, ALL OUR INVESTMENT IS IN THE WALLS OF THAT HOUSE. WE HAVE SHED OUR TEARS AND WE STILL DO. 
IF YOU WISH TO CONTACT ME, PLEASE DO 
XXXX OR XXXX
THANK YOU AND XXXX BLESS

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 2015-12-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Credit decision / Underwriting — 
Company: Guild Holdings Company
State: GA

Complaint narrative:
I WAS CHARGED TWICE FOR AN APPRAISAL THAT WAS ONLY DONE ONCE. MY MORTGAGE COMPANY WAS AWARE FOR THE CHARGES AND I WAS TOLD I'D GET MY MONEY BACK. I HAVE YET TO RECEIVE MY REFUND FOR $XXXX WHICH WAS FOR THE SECOND APPRAISIL CHARGE. NO ONE ANSWERS MY EMAILS OR PHONE CALLS. I HAVE ALL CONVERSATIONS WITH MY MORTGAGE BROKER SAVED IN MY EMAIL WITH HIM ACKNOWLEDGING THE FACT THAT I AM ENTITLED TO A REFUND. GUILD MORTGAGE IS THE COMPANY AND XXXX IS THE BROKER

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-07 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Caliber Home Loans, Inc.
State: GA

Complaint narrative:
The previous mortgage service company never honored a XXXX loan modification of reducing my rate from XXXX to 5 %. At or near the end of XXXX, they agreed to reduce the rate to some crazy low number, write off excess deferred interest and drop our payment. We never received confirmation of the changes and they sold our mortgage to Caliber Home loans. We received a letter from Caliber in XXXX XXXX that said we should expect a welcome packet. We never received this. I tried calling the phone number attached to the paper but since I did n't have an account number, I kept getting disconnected. After MONTHS of not receiving a mortgage statement, I assumed my previous servicer had done what was requested initially and reapplied the excess payments and paid our mortgage ahead by a year. At the end of XXXX, I came home to a letter attached to my front door that stated the property appeared to be vacant and to call a number for XXXX if it was not vacant. I called and let them know the house was obviously not vacant as there was furniture, food etc in the house. I asked her who was responsible for saying my house was vacant, she said the mortgage company. I asked her who the company was, she indicated she did n't know. She would not provide me with a phone number or even a name. On XXXX/XXXX/XXXX, XXXX came into my home, changed my locks and winterized my home without my knowledge or consent. Their was a phone number left on my front door and I was FINALLY able to contact the mortgage company. I spoke with a XXXX XXXX at XXXX who seemed very apologetic, did not offer me an explanation and gave me the code to the lock box with my keys in it to MY HOUSE. We do not occupy the house full time right now but we still have a lot of things in the house that is our private property. On XXXX, we were looking for some specific items and started to realize things were missing. XXXX not only came into our home unauthorized, they stole about {$5000.00} worth of tools and coins. They placed locks on our lawn equipment so that we could not keep our yard manicured. We filed a police report with XXXX XXXX police, the following day, I contacted XXXX XXXX again. Asked her the status of my loan. The house is NOT foreclosed, no sale date pending but is in the starting process of foreclosure. We have NOT received a mortgage statement since the last servicer! There has been NO indication of a foreclosure. She only wanted to refer me to customer service. I do n't even have the phone number, only her direct number. We contacted XXXX at XXXX and they would not provide us any info about the person who entered our home and stole our things and destroyed our house.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-13 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
I am on XXXX and get my checks on the XXXX Wednesday of the month. I asked the mortage lender to change my due date from the XXXX to the XXXX and they said they did not have the option and I am paying late charges every month

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-04 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: EVERBANK, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I had auto-debit set up from my EverBank checking account to pay my EverBank mortgage payments. Without my knowledge/authorization, EverBank erroneously debited from my EverBank Money Market account instead of the EverBank checking account and drained the Money Market account. Once the account was drained, EverBank sent me a late notice for my mortgage payment. On XXXX XXXX, 2016, I called EverBank to straighten out the error. EverBank reversed all charges and put all money back into the Money Market account and pulled the charges from the correct EverBank checking account. BUT they said they were still going to report the late payment to the Credit Bureaus, even though it was their error. I want my Credit Reports corrected to show no late payment. If you look at my Credit Reports, you will can see that I had a perfect, on-time payment record on all my mortgages up until EverBank made this mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-28 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: BARCLAYS BANK DELAWARE
State: NJ

Complaint narrative:
On XX/XX/XXXX Barclay Card US : Incorrectly placed someone else 's bankruptcy on my Barclay credit card account, then ; Closed my account, then ; Removed my reward points for my account, then ; Notified all XXXX credit agencies that my account was in collections, then ; Did not inform me of any of the above. 
This caused my perfect credit score and report to drop to its lowest level in my life. 
Barclay refuses to send me documentation that they have corrected these egregious errors with all XXXX credit agencies. Barclay refuses to reimburse me for the cost of credit reports and FICO scores so that I can track the resolution of their error. 
Since opening the Barclay credit card on XX/XX/XXXX, I had paid every bill in full and on time, and continue to do so.

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 2015-04-13 00:00:00
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I closed all my accounts over a year ago.  Recently the bank sends a collection notice regarding XXXX of these accounts with a warning that they are going to close them.  These accounts were custodian accounts that was closed over a year ago, that had both my name and my daughters name on it.  Apparently, they must have left them open and continued to withdraw fees from it.  the amount they stated owed were XXXX and XXXX.  It appears that they can control anyone's account even after it is supposed to be closed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-02-09 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Southwest Credit Systems, L.P.
State: MD

Complaint narrative:
This debt came from XXXX XXXX who reported the debt to XXXX in XX/XX/XXXX however I submitted the receipt and they sent a letter they would remove the information. In XX/XX/XXXX now the same debt is with Southwest Credit Systems. I asked them more than once to remove this inaccurate information however it still remains on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-13 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: MO

Complaint narrative:
XXXX offered me a plan which I agreed to and then all of the sudden changed back to way it originally was. I agreed to {$250.00} a month for XXXX in until pd off and the interest rate was to reduce to .001 after 3rd on time payment which I have made nearly 8 payments. I was paying just as they offered and I agreed to all the sudden they changed back to old interest rate and payment. I want it back the way I agreed to when they made an offer of {$250.00} locked in with my interest rate of .0001 until paid off and I want them to back date from when they pulled it out from under me. I help up my end of the deal and was paying as agreed. This in not fair they thing they can do what ever they want whenever they want when they made an agreement with me. The attorneys office that they placed the account back to will not return my calls or voicemails.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-17 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC.
State: WV

Complaint narrative:
I recently lost my job, which paid pretty well, and had to get a minimum wage job. I contacted Navient to try and do an income based repayment plan ; the first woman I talked to said they did n't want to do that because I 'm a " risk. '' The second person I talked to said I, along with my cosigner, had to submit copies of all the bills we have to see if we even qualify for income based repayment. I have another loan with XXXX, and it was n't even nearly this hard to have them work with me. Whenever I contact Navient, I am always transferred to two or three people and it 's not unusual to be put on hold for half an hour or more. It 's very frustrating, especially when I am needing help lower my student loan payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-27 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Problems when you are unable to pay — 
Company: General Motors Financial Company, Inc.
State: MI

Complaint narrative:
My husband and I leased a XXXX back on XX/XX/XXXX. In late XX/XX/XXXX early XX/XX/XXXX my husband was XXXX. They gave him 6 months to live. He passed away on XX/XX/XXXX. He was XXXX and I am XXXX. Due to the change in income, I am also retired, I am unable to continue making the high payment. I have talked to numerous XXXX and GM financial and nobody can help me. Is n't there something that can be done in a situation like this.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-18 00:00:00
Product: Credit card — 
Issue: Application processing delay — 
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
My husband and I submitted applications for the Chase XXXX Visa Card on the same day ( I believe XX/XX/2017 ). We were both told approval status was pending. My husband received two letters telling him he needed to contact Chase to verify that he had, in fact, submitted the application. I never received any letters. When my husband called on XX/XX/2017, he verified his identify and was approved. I then inquired after my application and was told it had expired and could n't be reactivated as it was out of the 30 day reactivation period. I asked to be connected to a manager and, after being put on hold for 20 minutes, was hung up on. I called again and was told I would receive a call back within a hour. I told them I was willing to wait, but they said that was n't possible. I received a message 3 hours later. I called back a third time and was finally connected to a manager, who again informed me I could n't have the application reactived because I was out of the 30 day period, even though I never received the letter and had applied on the same day as my husband. I would reapply but the card is no longer open for applications.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-20 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Credit reporting agency did not delete collection information and inquiries creditors agreed to delete from my credit profile they refused my request to update my credit profile to reflect correct information. 

Collections 1.XXXX 2. XXXX 3.XXXX 4. XXXX 1.XXXX 2.XXXX 3.XXXX 4.XXXX 5XXXX XXXX 6.XXXX XXXX XXXX 7.XXXX XXXX XXXX 8.XXXX 9.XXXX 10 . XXXX 11XXXX 12.XXXX 13.XXXX 14.XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-20 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I informed the XXXX credit Bureaus that XXXX accounts on my credit was not mine and to provide me proof or immediately delete the accounts, According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. The XXXX accounts I demanded deleted were XXXX XXXX Unverified Account and XXXX XXXX Unverified Account, and the Public record XXXX XXXX XXXX the credit Bureaus have not done so and have not deleted these XXXX accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-17 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Dovenmuehle Mortgage, Inc.
State: AR

Complaint narrative:
In XX/XX/XXXX my husband, a veteran, passed away. We shared a home together in which he was the only person on the Note for the home, I was just on the deed. This is a VA home loan. Last XX/XX/XXXX the home foreclosed and went to auction. Since I had never opened his estate and was never on the note I allowed the property to foreclose because without opening his estate I could n't do a deed in lieu of foreclosure. XXXX the lender would never speak with me concerning the loan because I was not authorized on the account. XX/XX/XXXX I got a notification on my credit check monitor that a foreclosure had hit my credit report when the loan itself was never even on my credit. After contacting XXXX XXXX, the debt collection agency, they had deemed this an error and told me that they would expedite the process of removing it from my credit. After two weeks I followed up and XXXX XXXX told me that another company had reported it to my credit, Dovenmeuhle. XXXX XXXX explained to me that their research team had sent information to this company 's research department. After contacting Dovenmeuhle and them refusing to give me any information on how or WHY it is on my credit I felt at a loss. I finally reached out to XXXX who said they would look into the issue, but because I was not authorized on the account that they could only give me limited information, but would look into the issue and get back with me by Friday XX/XX/XXXX. Why is it reporting to my credit? I feel this is an error, however I can not get anyone to explain anything to me. If I had " assumed '' the loan how could I have not been contacted in this process? And if in fact I assumed the loan, how am I still not authorized to speak to anyone regarding the account? This has been an ongoing issue for the past year and a half and not only is truly affecting my life, it has taken a huge emotional toll on me. I can not get anything accomplished without proper communication.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-14 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: U.S. BANCORP
State: OH

Complaint narrative:
Since I first filed case numbers [ Case number : XXXX ] and [ Case number : XXXX ] my checking accounts ending XXXX and XXXX were closed. Also I was reported to XXXX which prevents me from opening another checking or saving account. In addition I 'm receiving collection calls and letters. The collection letters state I owe {$700.00}. US BANK stated I owed {$300.00} in its response letters for [ Case number : XXXX ] and [ Case number : XXXX ]. We definitely have other issues we must address. One very serious issue is after I filed the complaint US BANK closed both my checking accounts ending XXXX and XXXX. Second issue is I began receiving daily collection calls from XXXX. on behalf of US BANK? On or around XXXX XXXX. 2015 I received XXXX collection letters from XXXX First collection letter says balance due ( {$470.00} ) for US Checking Account ending in XXXX. XXXX collection letter says balance due ( {$300.00} ) for US Checking Account ending in XXXX. Also I was reported to XXXX? I sacrifice {$800.00} in payments to prevent US BANK from closing my checking accounts, reporting my accounts to XXXX and collection agency. US BANK overdrew both checking accounts by taking payments from my account? Yes I did agree payback overdraft fees thru US BANK payment plan but I did not agree to US BANK automatic withdrawals if the payment is not made on the XXXX of each month? US BANK only inform me to make payment on the XXXX of each month. No one from US BANK stated if I did not make payment on the XXXX of each month that US BANK would go into my checking accounts withdraw funds and overdraw my accounts? My accounts were overdrawn by US BANK due to not enough funds. US BANK said I owed approximately {$1100.00} in overdraft fees. I paid {$800.00}. US BANK received more than half of what I owed in overdrafts fees. This is very unfair to me as a customer. I doing my best to make good on the arrangement I made. I work too hard to be treated so unfairly by US BANK. Banks should n't be able to charged overdraft fees when using a debit card. Example lets say the Electric company puts a charge through for {$100.00} using debit card and your balance is {$50.00} so the charged is denied but you are still charged {$36.00} overdraft fee? This is highway robbery. We work way too hard to be robbed like this by banks. I would like to open new checking accounts. I would like the {$300.00} debt now cancelled in full. I would like my name removed from the collection agency and XXXX. I would love some type of compensation for all this stress.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-03 00:00:00
Product: Payday loan — 
Issue: Received a loan I didn't apply for — 
Company: CNG FINANCIAL CORPORATION
State: CA

Complaint narrative:
Today I received a call from a lady at an agency who claims they were hired by Check N Go to notify that I had defaulted on a load. The agency number is XXXX. She said the loan was established on XX/XX/XXXX and charged off on XX/XX/XXXX. I can say without a shadow of a doubt that I did not apply for said loan. I have the XXXX app and to date this loan has never appeared.

Company response to consumer: Closed with explanation