vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-03-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: OH

Complaint narrative:
My mortgage was bought by a new company. XXXX. My loan is due on the XXXX of every month as per my original contract. I am supposed to have a 15 day grace period to pay my loan before I am charged any late fees. This new loan company is charging a processing fee based on how many days have passed from the actual due date. Example : if I pay my loan after the XXXX I get charged a {$5.00} processing fee. If I pay my loan after the XXXX then I have to pay a {$10.00} processing fee. If I pay after the XXXX, I am charged a processing fee AND a late fee. When I asked them about this fee they said it was simply a processing fee, however they are obviously charging customers based on how late they are. This is not in my original contract and I am supposed to have a 15 day grace period without any fees what so ever. They are just using the term processing fee other than late fee to get around this. They told me it was within their rights to charge me this fee. They are taking advantage of customers by doing this. My pay is bi-weekly and I cant always pay it right on the XXXX of the month every time. I should not have to take money out of my savings account to make my house payment just to avoid their processing fee. I have been charged his fee the past several months. Please do not let them continue this practice. They are just trying to sneak in extra fees on consumers hoping they can get away with it by calling it a processing fee. 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
Consumer complaint received 2018-03-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: MN

Complaint narrative:
Its been very difficult to apply for the income driven repayment plan with Navient. They can only get my payments to {$180.00} a month, which I can not afford. They tell me that is the lowest they can get them. Therefore, I have been having to file deferments due to economic hardship. 

I also have been seeing this Navient Lawsuit of 2017 and am wondering if I am a part of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: IL

Complaint narrative:
To Whom It May Concern, My husband and I are extremely " underwater '' on our primary home that we purchased in XX/XX/XXXX. In XX/XX/XXXX, we applied for and was approved for an home modification through our current lender SLS that instead of an decrease in our mortgage we experience an huge increase in our mortgage from XXXX to XXXX. We are currently paying XXXX due to increase in our escrow. We have been trying to refinance to lower the payment but due to that we owe XXXX and the house is value at XXXX we have been unable to qualify for a refinance house until now. We are working with an excellent mortgage specialist that informed us that we could possibly refinance the house if our current lender SLS ( Specialized Loan Service ) agree to forgive the difference amount that is owed. We submitted an letter on XX/XX/XXXX regarding this request via fax and email. I called SLS several times regarding receiving the letter and my request and was informed by one representative that they do not accept those type of requests, another representative informed me that they do not know what department deals with those type of requests and was unable to transfer to that department. I did speak with an Supervisor XXXX who informed that what I was requesting was what SLS called an short notification payoff and that most likely the office that is reviewing my request will send me the documentation to complete for the short notification. However, I have not received such documentation. I have received notice from SLS that they are reviewing my request and will notify me of letter the determination. SLS did not provide me with an timeframe but just stated " will notify you according to the government policy of notification '' Also, they sent me an letter stating " thanks for requesting application for an loan modification we will start to begin the process once you fill out the forms ''. I did not request loan modification as our letter was extremely clear of the request. We believe SLS is avoiding our request and is sidetracking us with other non-useful documentation. We are requesting your assistance in this matter to escalate our requests with SLS so we can receive the correct documentation and proceed to refinance our house to lower our payments as this is causing dire financial strain to our family. Thanking you in advance.

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 2018-03-08 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
I made a payment of my Lowe 's card on XX/XX/XXXX, and had no issues with payment. I made my payment of XX/XX/XXXX, and on XX/XX/XXXX, I receive an email stating that my payment was past due. I logged into my account and looked to see if the payment did go through and it did. 

I called the number on the email and spoke with the representative and he told me that I paid my credit card too early and that the amount that I paid went towards the balance and doesn't count as a payment. I have never, ever, had any issues with any credit card that I have in regards to paying it early. 

XXXX XXXX has been playing games with the credit card by taking away the credit that they gave me, then raising the payment amount. I have never been late for a payment, but I guarantee that I am spreading the word about this issue. I have contacted Lowe 's and they stated they are sending it upwards. 

I am also spreading the word to Veterans groups that I belong to because this is not a way to do business. There are a large number of complaints with the XXXX in regards to this company, but they still have a high rating. I smell a rat!!

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 monetary relief
Consumer complaint received 2018-03-08 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: Bread Financial Holdings, Inc.
State: NJ

Complaint narrative:
XXXX XXXX closed my XXXX XXXX XXXX credit card without notice and without cause. I have been making my payments on time for the last 6 months and currently have a balance. There should be no reason why my card was closed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: STATE FARM BANK, FSB
State: AL

Complaint narrative:
Creditor : State Farm Credit Bureau : XXXX XX/XX/XXXX Request for Removal of Unauthorized Inquiry Dear Sir or Madam, I checked my personal credit report, which I acquired from XXXX on [ XX/XX/XXXX ] and I noticed an unauthorized inquiry had been made. ( State Farm XX/XX/XXXX ) I contacted State Farm on several occasions, who conducted the inquiry and asked them to remove their credit inquiry from my credit profile due to identify theft in XX/XX/XXXX, and have yet to receive and investigation report or a removal of this inquiry. 

I request that this inquiry is removed immediately. I have given more than the legal time for State Farm or XXXX who approved this inquiry to provide me with results from an investigation providing signature or valid proof of myself being the person who approved this inquiry. Please remove the unauthorized inquiry and send me an updated copy of my credit report at the address listed. 

If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 7 business days of recieving yet another complaint. If there is not a response in a reasonable time as I have given more then the legal time I will have no choice but to file suit which I have had to do in the past. 

Thank you for your assistance in this matter, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-08 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: Bread Financial Holdings, Inc.
State: NJ

Complaint narrative:
XXXX XXXX closed my XXXX credit card without notice and without cause. I have been making my payments on time for the last 6 months and currently have a balance. There should be no reason why my card was closed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: GA

Complaint narrative:
My account was transferred from XXXX to Bayview effective XX/XX/XXXX.At the time I had an excrow excess of {$1900.00}, On XX/XX/XXXX I called Bayview and spoke to XXXX XXXX and his superior regarding the escrow. I was a month behehind in the amount i of {$930.00}. It was agreed that this would be deducted from the escrow excess which would leave a balance of {$1000.00} owed to me, I was instructed to call customer service, which I did a week later. I spoke to XXXX ( he refused to give his last name ). In speaking to him, he gave me incorrect information, regarding my account. I was told the the trasfer had been made, however I have yet to receive the escrow balance. I have spoken to several people at Bayview and in each instance I have had to literally argue to correct misinformation regrding my account.I am frustrated and believe delaying tatics are being used to delay or deney the return of the escrow ( I was told that my escrow balance would take 30-60 days to be returned. Is the the norm?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I saw an article that Donald Trump proclaimed this week as National Consumer Protection Week so I decided to check my credit. I currently have a Capital One card that I opened in XX/XX/XXXX and is in good standing with no late payments. I noticed another account that I previously had was marked past due with the following late payments : 60 days past due as of XX/XX/XXXX 30 days past due as of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX I had thought I made my payments on time and didn't realize I was ever late.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: MS

Complaint narrative:
In the previous complaint on National Credit Systems, they claim to have spoken to me in XXXX ( on a recorded line ). In this conversation I told whom ever I spoke with that this debt was inaccurate and incorrect. I do not owe this debt. They have not provided any information as to the origin of the debt and why it is owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Ditech Financial LLC
State: OK

Complaint narrative:
In XX/XX/XXXX or XX/XX/XXXX Ditech Mortgage Co increased my monthly payment. I was never notified of this, they had a wrong address on file, but they did have my correct telephone number and no one tried to call. The mortgage company process will not post a lesser amount as a payment, they just hold on to it, by XXXX, they sent a report to the credit bureaus for 30 days delinquent. As soon as I was aware of the situation I called and made a payment and ask them to work with me and reconsider the credit report, I was unaware of the increase and I sent in a payment every month since XX/XX/XXXX. The contact on the phone stated they could not help me. I requested to speak with a supervisor and after a long wait I was transferred to a recording. I left contact information, but no one every returned my calls. Please help me work with the mortgage company to remove the delinquency from my account, I never missed a payment and I know have lost over 100 point from my Credit Score and it will remain on my account till XX/XX/XXXX. THis just is not right please help me.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
Hi, I had submitted a complaint before, and I did not have much information either. But I now know that the owner of the loan is XXXX University, but the servicer is XXXX  XXXX XXXX ( " XXXX '' ). My Perkins loans is showing as defaulted in the National Student Loan Database System ( " NSLDS '' ). I have called them multiple times to get this corrected, and each time they say that they submitted a  work order, but after 3 years of me fighting this, it is still showing as default. The loan is paid in full, and this is always causing issues when I request financial aid with my current university. I do not have any contact information for XXXX, but XXXX contact information is : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX. 
XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On XX/XX/XXXX I was charged two overdraft fees in the amounts of {$34.00} dollars totaling to an amount of {$68.00} dollars. One of the transactions was a bill that came out as an ACH and the other transaction was a transfer of {$60.00} dollars using the service XXXX. These are the two transactions that triggered the fees to my account. I received a transfer via XXXX in the amount of {$180.00} dollars to cover the bill and the transfer. Chase apparently has two different cut off times when sending or receiving money with XXXX, depending on the institution that you are sending or receiving from. The money I received was from another financial institution and it was apparently sent past the cut-off time for it to be in my account the same day. But even with that being the case, I was still able to send money using XXXX to another chase customer. I called customer service the following day to inquire about this and they said it was valid because of the cut-off times. So even though the money was showing available for immediate use, it technically was not in the eyes of Chase. When I asked the representative if I were to have made purchases after the transfer was made, and the money was showing available, would i have been charged a fee for every transaction I made? The response was that yes, I would have been charged a fee for each transaction. The reason this is very upsetting and troubling is that one could accuse Chase of baiting customers to make purchases when the funds are available from the customers perspective but not from the perspective of Chase. I advised them that it was not possible for me to be able to send money with XXXX if I did not have it in the account and that system will not allow you to send money if the funds are not there. It is impossible and NOT at the discretion of Chase, which is what I was told by all 3 of these agents.

After speaking with 3 different agents, I was able to speak with XXXX a manager at one of the call centers who submitted one of the fees as a bank error, but warned me it would be returned and re-applied to the account after another department reviewed it. He submitted the other as a courtesy to be waived even though I requested they both be waived as bank errors multiple times. 
An investigation of some sort should happen into this process and what I would go on to call a scam on behalf of Chase.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-03-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
Chase bank has been advised on 2 occasions not to approve and pay for debit and credit cards transactions when there are not enough funds to cover the transactions. Their explanations is that recurring card payments are somehow different and that these types of charges can not be stopped from processing. A recurring charge of XXXX was processed through my account causing overdraft and extended overdraft fees on XX/XX/2018. I have not been able to resolve this issue with Chase as  they are committed to their policies.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-08 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: SECURITY FINANCE CORP
State: TN

Complaint narrative:
company threatened wage garnishment / called my employer while on XXXX leave. excessive phone calls / extremely rude to me / I want a cease and desist put on my account.

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 2018-03-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
Creditor : XXXX XXXX Credit Bureau : Transunion XX/XX/XXXX Request for Removal of Unauthorized Inquiry Dear Sir or Madam, I checked my personal credit report, which I acquired from Transunion on [ XX/XX/XXXX ] and I noticed an unauthorized inquiry had been made. ( XXXX XXXX XX/XX/XXXX ) I contacted XXXX XXXX on several occasions, who conducted the inquiry and asked them to remove their credit inquiry from my credit profile due to identify theft in XX/XX/XXXX, and have yet to receive and investigation report or a removal of this inquiry. 

I request that this inquiry is removed immediately. I have given more than the legal time for XXXX XXXX or Transunion who approved this inquiry to provide me with results from an investigation providing signature or valid proof of myself being the person who approved this inquiry. Please remove the unauthorized inquiry and send me an updated copy of my credit report at the address listed. 

If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 7 business days of recieving yet another complaint. If there is not a response in a reasonable time as I have given more then the legal time I will have no choice but to file suit which I have had to do in the past. 

Thank you for your assistance in this matter, XXXX XXXX

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 2018-03-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NC

Complaint narrative:
I had a checking account with USAA and insurance. I had trouble paying my insurance, but when I tried to handle the situation I was dismissed from the company due to Bank fraud from XX/XX/XXXX. I had been with USAA and paying my insurance and all, but never contacted or emailed or even mailed a letter on bank fraud ever happening to my account. I tried to speak with customer service and fraud prevention as well. I was always passed around and put on hold for hours. I was told to contact the company in three days. I never could get any information on the bank fraud and why I was dismissed from insurance and USAA altogether. This year XX/XX/XXXX, I received two XXXX in the mail from USAA, and I found out that they are claiming I have received funds from them in the amount of {$980.00} and {$1900.00}. They also checked on the form I was personally liable for the debt and I had no clue I had any debt with the company. The only information the bak can tell me is that the fraud was done in XX/XX/XXXX. I did not find out about the fraud until XX/XX/XXXX, when trying to figure out what happened to my insurance claim and why I was dismissed from continuing business with the company. I am filing this complaint because this was not handled properly or even investigated by the bank.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
CAPITAL ONE AUTO FINANCE I owe a balance of XXXX I paid this off XX/XX/2018 please have the correct on all three of my credit reports

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
Hello, I had two late payments on my Capital One Buy Power Card back in XX/XX/XXXX when I was going through some financial difficulty. I made the payments as fast as I could, within 60 days. These two late  payments are now hurting my credit when I apply for a mortgage. I called the company and spoke with a manager but they are being unreasonable and will not help me with a goodwill adjustment on my credit report. I have made on-time payments ever since XX/XX/XXXX and I recently paid my balance in full. Please help me remove these two late payments from XX/XX/XXXX and XX/XX/XXXX. 

Thank you! 

XXXX

Company response to consumer: Closed with explanation