vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-03-22 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: SLM CORPORATION
State: CA

Complaint narrative:
Sallie Mea 's total amounts are inconsistent. Each time I called on XX/XX/2017 I was given a different amount that I owe. I called and spoke to agent XXXX and was told I had a past due amount of {$290.00} with a total amount of due of {$580.00}. I had to hang up to get missing information to complete my transaction because I was doing a forbearance and was given an amount by agent XXXX. Who then told me I owe a total amount of {$290.00} and owe {$580.00}. 

I checked my online statement and the amount that was past due on my online balance was {$290.00} with a total past due of {$580.00}. 

After I refreshed my computer the total amount was then change to {$590.00} and the past due remain to {$290.00}. 

I called back and spoke with XXXX agent XXXX and told him what happened and he said that the amount I was originally given was not reflecting late charges of {$15.00} which gives me a total of {$590.00}. While he said this the amount on my online statement reflected {$590.00}. I told him I needed to speak to someone who could fix the amounts so that they reflected the amounts they were giving me he gave me the number ( XXXX ) XXXX. I thought and he said they could fix it. This number redirected me to agent XXXX who then said that my late fees were {$14.00} and on his end he saw a total past due amount of {$580.00} with out the late fee of {$14.00}. This would make more sense due to the reflected amount, but at this point Sallie Mea should be audited. It seems like every time someone calls the amounts keep changing. I would like a full audit of this loan bank and your agency should keep eyes on them for inconsistency in fees and loan amounts that other customers may be having. Also, all conversations were recorded on there end and I have screen captures to prove their inconsistency.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-23 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
On XX/XX/2017 and XX/XX/2017 I request that derogatory items must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. I also had requested the names, addresses and telephone numbers of individuals contacted during the investigation. The investigation took too long. and more than 30 days, etc. In addition I did not get proper notice of investigation status or results. As of this moment, Equifax have not done your duty mandated under the law. Equifax inaction in this matter is inexcusable, and your disregard for the law is contemptible. Equifax had 30 days to complete the re-investigation, yet you have failed to respond. On XX/XX/2017 Equifax failed to response within 15 days deadline. Attached copies of online dispute submittal Confirmation # XXXX, which have been delivered online both a dispute letter, dated XX/XX/2017.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-26 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Security National Automotive Acceptance
State: TX

Complaint narrative:
My car was repossessed by Snaac XX/XX/XXXX on a Friday. I made the payment the next day. I called to verify that they had received my payment. Snaac said that they did, but I would have to wait until Monday to talk to the department that handles repossessions. I called Snaac Monday and a representative informed me that my car was scheduled for pick-up to be taken to auction. She told me she would fax XXXX ( XXXX, Texas ) the necessary documentation to stop them from taking my car to auction. I called the towing company to let them know that Snaac would be faxing them said paperwork and that I would be calling back. Later on I called back and was informed my car was being taken to auction ( XXXX, Texas ) because they never received the proper paperwork to prevent them from taking my car to auction. I live in XXXX, Texas. I immediately called Snaac to find out why they did n't fax the paperwork, and the representative in the repossessions department informed me that she did fax over the paperwork. Either company did n't want to take responsibility for the horrible mistake that was made. I did n't get my car back for four days. The supervisor informed that any and all fees for repossession would be waived because it was their mistake my car was taken to auction. XX/XX/XXXX Snaac tried to reapply charges to my account for repossession fees. XX/XX/XXXX, I decided to retrieve a copy of my credit reports from all three bureaus. I noticed Snaac reported late payments and a statement to my report saying " redeemed possession '' months after the fact. It was recently added to my credit reports. I do n't understand why that is so many months later and after the horrible mistake that they made and penalized me for. This is what prompted me to submit a complaint. Snaac has phone recordings that pertains to this situation in their archives.

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 2017-03-31 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
Tried to get my free annual credit report thru Equifax. The security questions I was asked had nothing to do with me, so I was denied to see my credit report. Then, Equifax had a trial program for {$4.00}. So, I put in the same information as earlier, and what do you know, I was able to get my credit report. Equifax did the same thing last year, as well as XXXX. Well, I forgot to cancel the trial membership, and so I was charged {$19.00} for a month 's access to my credit report. This is done intentionally so people like me will pay for something, by law, is free.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-28 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: LA

Complaint narrative:
My question involves a consumer law issue in the State of : Louisiana I recently financed a vehicle at a dealership with a co-signer. The agreement was for me to be the buyer and my mother to be the co-signer. Recently my mother received all the information for the car license plate, payment, etc. And it has her listed as the buyer and me as the co-signer which is incorrect. How can we get that fixed? The dealership says it does n't matter who name is first it 's the exact same thing. We will be more comfortable with me as the buyer since I 'm the one making payments to help improve my credit score. Once asked about switching it to the correct way. Seller says it would increase my monthly payment by {$100.00} if I get put as the buyer. Do anyone has any insight on this?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-10 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: CO

Complaint narrative:
Nissan Motor Acceptance Corporation is refusing to provide a copy of the lien release documentation. The account was paid in full XX/XX/XXXX and as of this date I do not have the proper documentation to be able to get clean title in Colorado. The documentation was sent to the wrong state XXXX and I am now unable to get title to my vehicle in the state in which the vehicle is registered. NMAC has known about our change of address and state change since fall XXXX, but they did not update their records or advise that we needed to do anything different to update the title information.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-04 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Flagstar Bank, N.A.
State: NY

Complaint narrative:
Due to Flagstar 's mistake, I had to incur an additional {$200.00} charge. They now belatedly and incorrectly claim ( after initially basically conceding that it was their mistake ) it was my mistake. 

Here 's the background : we have a mortgage through Flagstar, and our property insurance is paid through escrow they collect. We purchased the property in XXXX of XXXX. In XXXX of XXXX, Flagstar accepted our property insurance policy ( in only my brother 's name ) and renewed and paid for ( out of the escrow ) our policy in XXXX ( with only my brother 's name ) and then now in XXXX they refuse to accept it/pay the renewal from escrow because my name was not also on the policy. 

A representative ( who was very polite ) first informed me over the phone that it appeared that they had previously made a mistake in renewing it. So, I reached out to my insurance agent to see what they got do and arrange for them to speak with Flagstar. I called Flagstar back and they informed me over the phone that they had renewed it in XXXX as a " courtesy '' but never told me they had just renewed it as a " courtesy. '' ( Nonsensically they claimed they " renewed '' it in XXXX as a courtesy as well, but that is when we first got the policy ). They then claimed that they 'd sent me three notices about this issue. Remarkably, they only mailed me a letter dated XXXX XXXX, XXXX informing me that they refused to accept the policy ; I received the letter on XXXX XXXX, XXXX, a Saturday and the very day the policy expired. The two prior letters were sent in XXXX and XXXX *prior to Flagstar 's renewing the policy with just my brother 's name*!. Now, because Flagstar refused to extend their prior " courtesy '' ( if that is even why they renewed it in XXXX ; their first customer service rep. told me it was likely renewed by mistake ) or at least notify me in a timely fashion, I had to pay an additional {$200.00} out of my pocket to extend the insurance so it could be re-submitted to Flagstar. When I tried to speak with Flagstar about what to do, they shouted at me repeatedly ( a different representative named XXXX XXXX and only recommended I buy different insurance. Remarkably, the money to buy the insurance is sitting in escrow. So, I had to pay out an additonal {$200.00} because of Flagstar 's error

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 2017-03-01 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: IL

Complaint narrative:
I have my home in 2003 and I 'm still paying for PMI on my mortgage. I thought that this insurance will drop after 10 years I was told. My loan has been sold couple of times. My Also I 'm experiencing problems with my escrow balance. I need assistance with this Mortgage Company. They ca n't explain to me when I ask then where did my money go if I send a check for my shortage on escrow. I paid in advance and they still inform me I 'm short but I paid the balance in full. My concerns are PMI and Escrow.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-12 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: NATIONSTAR MORTGAGE LLC
State: TN

Complaint narrative:
My loan with Nation Star has been going through a Deed in Lieu process for almost ten months now. I just singed the closing documents. for the address located at XXXX XXXX XXXX XXXX, TN XXXX. My credit report is showing that their are eleven missed payments. This needs to be corrected on my credit report immediately. Also, I keep trying to contact XXXX XXXX at Nation Star XXXX loan number XXXX she will not return any of my phone call.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-25 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Southwest Credit Systems, L.P.
State: PA

Complaint narrative:
Southwest Credit Systems {$260.00} Original creditor XXXX I do not owe this much. Have disputed for over 4 yrs Attempted to settle with XXXX numerous occasions but they refuse!! I DO NOT deal with collection agencies. Southwest just put this charge back on my credit again & trashed my credit score. I 've had XXXX accounts closed because of this. I 'm sick of dealing with this I could very easily pay this but I 'm NOT paying something I do n't owe XXXX XXXX, 2015 XXXX took {$60.00} off for equipment return, I own that equipment Took it to {$200.00} Now XXXX says there was NO charge and added the {$60.00} back on. My next course of action is court!! XXXX never sent me a final bill 4 yrs ago when we moved. XXXX now states that they ca n't accept any kind of settlement that I need to pay full amount but then told me that I could to thru Southwest and settle for less amount This makes NO sense to me. I will not let this go until it is off my credit once and for all. Southwest has over 500 complaints with BBB I will continue to file complaints thru XXXX XXXX until resolved

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-24 00:00:00
Product: Prepaid card — ID prepaid card
Issue: Unauthorized transactions/trans. issues — 
Company: Empowerment Ventures, LLC
State: TX

Complaint narrative:
I WENT OBED ON XXXX XXXX WHENI WOKE UP IT WAS MONEY MISSING OFF MY CARD I CALLED RUSH CARD TO DESPUTE AND WAS ON THE PHONE WITH THE FRUAD DEPARTMENT MORE MONEY STARTED TO COME OFF MY CARD BE FORE SHE STOPPED MY CARDS THEY TOOK A TOTAL OF {$2400.00} I WAS TOLD THAT I NEED TO COMPLETE THE FORMS AND THEY WOULD EMAIL XXXX THE FORMS IT WOULD TAKE 3 HOURS IT TOOK OVER 5 CALLS AND 18 HOURS TO RECIEVE I FILED A POLICE REPORT AND COMPLETED THE FORMS AND FAX BACK IN ON XX/XX/2017 THEY EVEN WIRED ME MONEY OFF MY ACCOUNT BECAUSE I DIDNT HAVE MONEY TO GET TO WORK TILL I GOT MY NEW CARD I SPOKE TO MULTIPLE CSR EVERYDAY AT RUSH CARD THAT SIAD MONEY WILL BE RETURNED ON OR BEFORE THE XXXX OF XXXX ON XXXX XXXX AT ABOUT XXXX I SOPKE WITH A REP AND WAS TOLD THAT IT WILL BE BACK ON MY CARDLATER THAT DAY I CALLED BACK LATER WAS TOLD THAT IT WAS A DECISON MADE AND I WASNT GETTING MY MONEY BACK I HAVE APPELLED THE DECISON AND IS REQUSTED FOR ARBITRATION

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-23 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: General Credit Services
State: AZ

Complaint narrative:
We moved out of XXXX XXXX at the end of XX/XX/XXXX. Around XX/XX/XXXX, we got a letter in the mail from a credit agency trying to collect almost 3,800 from us for XXXX XXXX. Right away, I called the trailer park & spoke to XXXX, the manager, & she wax very rude to me. I asked her why she had gone almost a year without ever trying to contact me to give me a chance to discuss this matter and/or pay what damages we are responsible for & why she went straight to the credit agency, almost a year later, without every contacting me first, & her exact response was, " I do n't gave an answer for you ''. I want to stress the fact that XXXX XXXX has always had my phone number & address. I know this for a fact because, even while we lived there, we used our current address for mailing, & always recieved any mail they sent us. My phone number has never changed either. She never tried contacting me in any way to discuss & take care of this matter within the 11 months after no longer living there, & went straight to the credit agency. We moved in to that trailer park with different managers at the time who put us through so much & we ended up accepting certain damages as is, at the end of XX/XX/XXXX. I feel like XXXX, the current manager, is charging us for damages we moved into & this amount of money is absurd, let alone the fact she never contacted me within 2 weeks to inform me of any fees. We were always very good tenants & never caused any problems. I wish for this to be handled legally & with appropriate ethics, which is should be. My name is XXXX XXXX. My boyfriend is XXXX XXXX. & my phone number is XXXX.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-27 00:00:00
Product: Debt collection — Mortgage
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Ditech Financial LLC
State: GA

Complaint narrative:
XX/XX/XXXX Ditech Financial, LLC Attention XXXX XXXX XXXX, AZ XXXX RE : Ditech Account number To Whom It May Concern : Per this letter, I deny, dispute, and challenge Ditech 's claim that I owe the above referenced debt and the amount asserted. This debt was erroneously applied to my name. The attached recorded mortgage release clearly indicates that the account in reference was only in my wife 's name and that it was cancelled on XX/XX/XXXX. We sold the property in a short sale, and the debt was considered paid in full at the end of XX/XX/XXXX. 

It is unclear how your company falsely acquired this debt after the property was sold and the debt was cleared out. Moreover, it 's not clear how or why you put this debt in my name. I want you to document that this debt has been satisfied ( again see attachments ), that it is not my debt, and stop negatively reporting false information about me to the XXXX credit bureaus. 

I want a full investigation of this claim so that this matter can be resolved immediately. For too long, your error has negatively impacted my credit. Please contact me via mail or email ( ) to document that this issue has been resolved asap. I look forward to the timely resolution of this matter. 


Sincerely,

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC.
State: KY

Complaint narrative:
I recently reviewed my credit report and found a discrepancy with the reporting of my student loan on my credit report. XXXX was showing that XXXX XXXX was reporting that I was 90 days past due on my student loan back in XXXX of XXXX, however I could not have been 90 days past due because I entered into deferment on XXXX XXXX XXXX due to me being on XXXX XXXX with the XXXX XXXX. I entered service on XXXX XXXX XXXX. I completed an online dispute through XXXX and the results came back on XXXX/XXXX/XXXX showing that I was responsible for the late payments. The reporting of me being late with my student loan payments has aided in me not being able to obtain a VA home mortgage loan. I feel like even though I am serving my country, it is not right for XXXX XXXX to report incorrect information that is stopping me from obtaining my American Dream. I would like it if XXXX XXXX ( now Navient ) would remove the 90 day late payment from all XXXX of my credit reports from XXXX. I would also like it if they would do this in a timely manner. According to the Fair Credit Report Act, the Credit Agencies are to ensure that they report the correct information, reporting that I was 90 days late in XXXX while in deferment since XXXX is not right and should be corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-16 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
I attended the University XXXX XXXX XXXX, XXXX. I applied for loans from this company for only one year. My requested loan amount from that time has ballooned to over {$60000.00} due to fraudulent applications that were completed in my name and my co-signer 's names. Over the years, I have been harassed, lied to and threatened by this company. I 'm also one of the military veterans who was denied benefits that were supposed to be afforded to me while XXXX. This company has tried to play my co-signer and myself against one another telling him that I committed fraud, which is in direct violation of FDC 807. False or misleading representations clause ( 7 ) " The false representation or implication that the consumer committed any crime or other conduct in order to disgrace the consumer ''. They repeatedly told my dad to file fraud charges against me and me against my father. When myself and/or my father requested all of the documentation in my file, they would take 2-3 weeks to get the information to us. They also denied to respond to my father 's lawyer because they did not want to be held responsible for breaking the law again as they would have had to have contact only with the lawyer. When I received the packet with all of the documentation from my file, the total amount verified by letters of disbursement, does not come close to the amount on the account. There was no paperwork for one of the accounts listed on my total account. I requested by letter that the account be removed, however it was not. After trying to work with Navient, I sent them a settlement letter with a check. They cashed the check, and denied the offer. The harassing phone calls have started again.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-05 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NAVY FEDERAL CREDIT UNION
State: SC

Complaint narrative:
Spanning over 2 years Navy Federal Credit Union ( NFCU ) mishandled documentation related to my mortgage account that resulted in inaccurate negative reporting to my credit report. In addition, NFCU 's mishandling resulted in 2 shorts sales falling through and then, only due to my retaining a lawyer to act on my behalf, did NFCU even begin to process a Deed in Lieu of Foreclosure under their " Borrower Assistance Program ''. The last correspondence received from NFCU approved a Deed in Lieu of Foreclosure. Following this, my lawyer and I heard nothing until I was served documentation advising that I had not appeared at a foreclosure hearing. I was not even notified that the property was being foreclosed upon. My lawyer was able to appear at a subsequent hearing where I was relieved of personal liability due to deficient notice. NFCU then reported on my credit reports that the property had been foreclosed upon - this is not the case, as I never received notice from them that the property was being foreclosed upon. To this day, I have not received anything that states the property was foreclosed and now belongs to NFCU. I need this foreclosure entry removed and a copy of a statement providing that the property now in fact belongs to NFCU. As a lender who primarily markets themselves to military members, the manner in which my account was handled was absolutely unacceptable and has had devastating effect on not only my credit reporting, but also my personal life. The XXXX and XXXX whilst on XXXX has been significant and only because of my retaining of a lawyer, did NFCU even respond to me after almost a year and a half of me trying to work with NFCU on my own.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation