vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-07-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
The modification process was underway with all documents turned in for review. Certain social security payment questions came up at the last minute and I was contacted by phone for clarification. I spoke to two different agents for over one hour. At the conclusion of the conversations The agents informed me all questions were answered and no other information was needed so the file was sent to the underwriters. 

Rather than my file obtaining a review I was surprised by a determination that my request for assistance was closed out due to social security income questions. After calling and requesting a in person meeting with the servicer I was told they could not meet to discuss my account as XXXX once did before the transfer. 

The servicer could not find record of the long hour plus conversations I had with the in house agents and explained I would need a court subpoena to get any phone records released for my records. 

I explained to the servicer that the Justice department had recently reached a settlement with the beneficiary of the asset backed certificate associated with my account. 

The servicer stated since I was not in a review and the sale date was very close nothing could be done. 

I reached out to the monitor of the recent settlement with DOJ and was informed that my account was with the legal team for research but it would be a good idea to contact the cfpb at once considering the pending sale date. 

The settlement monitor in New York stated I could be a recipient of relief based on the settlement but the sale date would need to be postponed to allow time for the process.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-20 00:00:00
Product: Debt collection — Private student loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: AES/PHEAA
State: WI

Complaint narrative:
XXXX XXXX XXXX XXXX in XXXX, WI is representing XXXX XXXX XXXX XXXX XXXX XXXX XXXX in a case versus XXXX XXXX for a student loan that she got in XXXX. XXXX stop paying them in XXXX of XXXX and they sent me, XXXX XXXX, XXXX XXXX 's mother a letter stating my paycheck was going to be garnished. They didn't provide me with the proper information about the loan or information about the client, XXXX XXXX XXXX XXXX XXXX XXXX. When asking, the Representative, XXXX, phone number, XXXX, ext. XXXX for this information he said he's not giving it to me. A court date is set up for me on XX/XX/XXXX. I'm not sure if I trust this agent or not so I didn't provide them with any of my information. I'm not sure if the loan is in default or how the client got a hold of the loan because they are not a regular service or guarantor. They communicate through the lawyer 's company. I'm want to know why a payment plan wasn't setup first from the client before trying to garnish my check. Is this place legitimate or not, I'm not sure because I'm not receiving the information I need. I want to see the original loan form and promissory note for this loan before I pay anything to them. I am the co-signer and I did this if my daughter wasn't capable to pay it back, but she is and i have proof. Also, my daughter is not being cooperative with me either. She is working on her XXXXXXXX XXXX degree and has two jobs. She is capable of paying off her own loan. I don't know what she told them. I also tried settling with them twice.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-20 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: DISCOVER BANK
State: ME

Complaint narrative:
I am writing about Discover Card. I had automatic payments set up to pay the full statement balance. My XXXX statement balance of {$1100.00} was scheduled to be withdrawn from my bank account on XX/XX/XXXX. On XX/XX/XXXX, I logged into my Discover Card account and paid the full balance that was showing on my account at that time of {$2000.00}, paying my statement balance in full. On XX/XX/XXXX, the {$2000.00} was withdrawn from my bank account. In addition, Discover Card withdrew an additional {$500.00} from my account on the same day. I had not set up my account to withdraw {$500.00}. On XX/XX/XXXX, I called customer service and asked why they withdrew more than what I owed them. I was told by the customer service rep that charges of {$230.00} had cleared the account since I made the payment, and that triggered an " automatic payment '' of {$500.00}, leaving my account overpaid by {$260.00}. I was told they can not take out the exact amount due, they can only take out {$500.00}. I had not set up my account to pay {$500.00} -- especially when it was not due. But somehow my " automatic payment '' set up had been switched from " pay statement balance '' to " pay {$500.00}. '' It took this bank no time at all to take funds out of my account, but they told me it would take 7-10 days to refund the {$260.00} they owed me. How is this fair? When I asked them to refund what they owed me and close my account, they did not. Instead they issued a refund check for {$500.00}, and left the balance of {$230.00} owed on the credit card and kept the account open.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: QUALITY ACCEPTANCE LLC
State: AZ

Complaint narrative:
Illegal collection and repossession practices. Threatening to have me jailed, calling friends and family letting them know loan information, and defamation of character to my friends and family trying to get them to tell the lender where i am after i already told them to have the repo company call me for the location of thr vehicle

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: FIRST NATIONAL BANK OF OMAHA
State: HI

Complaint narrative:
i had an XXXX XXXX bank credit card tbat i closed out due to high interest. i had paid off the full balanced via the XXXX statement due on the XX/XX/XXXX. The psyment was processed on the XXXX. Benounced to me there was interest still accruing up to the date of payment and received a statement. i believe this is misleading and unfair practice. payment in full was made before the period ending. so, i called in to ask about a possible waiver due to only interest accrued and they would not consider indicating it is fair practice due to this being a revolving line. why provide payoff on the statement if you are going to have interest accrued daily. you might as well indicate to call in for true payoff. i understand if i had a cash advance. i feel this bank is taking advantage and making money off of their customers indicating we should payoff our statement the day the statement is generated to avoid any fees ... ..Wrong perception provided to customer ... .XXXX XXXX is a good bank but the bank they work with to handle their credit cards are crooks ... XXXX XXXX ... ... ... they would not waive the fee indicating it was fairly charged????? the account was paid off and closed ... ..and no fee waiver in the past ... XXXX what is {$39.00} snd they quote it cant due to fairly assessed. ... ..not if the statement amount is paid off before the due date. why provide due dates if this is the csse. you should jist indicate on your statement tp avoid fc pay the statement in full on your cycle date to avoid fees ... ..unfair practice ripping off customers ... ..high interest and then rip off customers with finance charges ... ... fdic should look i to this

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 2018-07-20 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Fee problem
Company: SUNTRUST BANKS, INC.
State: VA

Complaint narrative:
The rules of my check account require that I have a {$5000.00} balance in an attached savings account to avoid a checking fee of $ XXXX/month. For a reason I can't recall, I took some money out of the account causing a drop of about {$200.00} below the requirement. After a couple of months I realized the error and replaced enough money to go above $ 5k by a small amount. Because I did this in the middle of the term, another {$15.00} fee was assessed, dropping me below $ 5k slightly. I was not aware of this, and I was assessed {$15.00} for a few months more. After talking with my branch manager I got two fees returned ( {$30.00} ) but a few days later  another fee was assessed. So I have been charged over {$100.00} in service fees at this point. I do not believe I have received {$100.00} in service, rather, this kind of process benefits the bank only. I realize that if I had made it a habit of looking at my monthly statement I would have discovered this sooner, but it is my intent to leave the attached savings alone. I don't know why I took funds from that account, but my complaint is that the band should notify a customer who is being charged a " fee '' in this situation. They have the ability to personalize any email and postal mail they wish in their advertising. This is a cash flow opportunity, not a service which benefits me.

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 2018-07-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: ALLY FINANCIAL INC.
State: OH

Complaint narrative:
On XX/XX/2018, my XXXX XXXX XXXX was repossessed. Designer sunglasses and diamond tennis bracelet were left in the car. This was reported to Ally on XX/XX/2018. I signed the property release and wrote I signed without the benefit of verifying what the vendor, XXXX XXXX had written. The car was locked when repossessed and left unlocked on vendor property overnight. I was told to bring the key or pay {$350.00} to get into the car. The vendor would not let me in the car without first signing. Ally employees gave me the runaround. I filed a police report. The police noted multiple problems with this vendor. Was told by XXXX XXXX that vendor who repossessed the vehicle would have to replace the items. The vendor altered the document when requested from Ally removing the handwritten notation. XXXX XXXX repeatedly said she did not like how the vendor treated me, that they should not have altered the document, they will have to replace the items. After I provided pictures and cost of items an offer of {$500.00} was made and then increased to {$1400.00}. The sunglasses cost {$380.00}, bracelet {$24000.00}. I never received a notice of repossession, never received notice informing me where the vehicle was to be sold or the minimum acceptable price to reclaim the vehicle, never received notice of when the vehicle was sold or the deficiency balance. XXXX XXXX, Ally employee took over from XXXX XXXX. No resolution. XXXX XXXX took over no resolution. I addressed two letters to the CEO XXXX XXXX, with the letters being passed off to XXXX XXXX and XXXX XXXX. The attached letters to the CEO provide a very detailed time line. Spoke with XXXX XXXX on XX/XX/2018, with her promising an update by XX/XX/2018. She called XX/XX/2018.

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 2018-07-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
DOMAININDICATOR : COL ATTACHMENTSIZE:0 ECI:XXXX PCUSTSEG : PHP PRODTYPE : RBG SMPODID : XXXX CIPDOMAIN : XXXX PRODUCT CODE:XXXX SUB PRODUCT CODE:XXXX ACCOUNT NUMBER : XXXX SERVICE FEE DATE:XXXX SERVICE FEE AMOUNT : {$340.00} I am going through financial hardship. I have been Charged XXXX in insufficient fees begging on XX/XX/XXXX. I can not control the ACH debits from other financial institutions because thats how they do business. When it hits I get charged XXXX every-time.There is nothing I can do and Im paying these fees that I have no control over. I dont have the funds to cover the ACH in the first place and getting charged over and over in one months time to the total of XXXX is usury. When I call in to customer service they say there is nothing that they can do. I need help!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-07-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
I have submitted my unemployment documents from the State of Texas three times to Navient and they refuse to apply my Forbearance for loss of income. I have filled out the form, submitted documents such as separation letter from employer, approval of benefits from XXXX and payment information from XXXX. This is for a Federal Student Loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I am requesting with this written notice that the following inaccurate XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX be removed from my credit report. The items are not correct and opened as a result of ID theft and wrong reporting infomation and are causing me financial distress because of their derogatory information. I am, requesting that you remove inaccurate information from my file and you have failed to do so. Accordingly, I can show a judge that these accounts are inaccurate and that you violated the Fair Credit Reporting Act of your mistake. If this final request does not prompt you to conduct the removal of the account and send proof to me of said investigation or removal, I will file a civil suit in XXXX Ohio for damages. I take my credit very seriously and your lack of professionalism and assistance is unacceptable. I am well aware of my rights under the FCRA and intend to pursue them to the maximum.

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 2018-07-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I am disputing with Trans Union the following Unauthorized / Unknown collection account that showed up on my credit report. I have already have an extended fraud alert placed on my Trans Union Credit report so there should be no excuse as to why this  collection account unknowingly hit my report without my consent of proving the account belongs to me. This account reporting to my credit report go against the Fair Credit Reporting Act and is affecting my ability to hold a job and get approved for a home mortage. I have also reached out to the collection agency and have attached a filed Identify Theft Police Report to this compliant in order to get this issue resolved in a timely fashion. Below are the reporting Inquiries that should be Removed / Deleted from my Trans Union credit report. Should you need any additional information please let me know.

Reporting Collection Account : 1 ) XXXX XXXX XXXX XXXX Account # : XXXX Account Status : Open Payment Status : Unknown Balance : {$2600.00} Trans Union Attn : IDENTITY THEFT DEPARTMENT XXXX XXXX XXXX XXXX   XXXX, PA. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: William Lyon Mortgage LLC
State: CA

Complaint narrative:
Weve been in escrow with a new builder since about XXXX and are set to close next Friday and new builder is pulling out all the stops and putting ethics aside in order to steal this deal from under us. See below and attachment for events that occurred. What can we do on this one. 

This possible RESPA violation occurred with XXXX XXXX ( sales associate ) and XXXX XXXX ( lender ) at the William Lyons XXXX location. 

The background context is that XXXX did not have the knowledge to structure and approve this buyer for the purchase. We were using an outside broker and specialty program in order to do this loan. XXXX called me pretending he actually worked for the sales office and his company did not have confidence we could close the loan and I needed to explain to him the program and how we structured. After about a minute I realized this guy was a scam and actually the lender looking to copy our program/structure, but he had already obtained the information he needed to go back to the buyer and offer the same program. Frustrating, but I understand not everyone in this business operates with ethics. 

The attachment shows how XXXX was violating RESPA in an attempt to force the buyer to close with William Lyon mortgage even after he let her know we were his lender of choice. It wasnt until after I mentioned XXXX and CFPB that she changed her tone and was willing to cooperate with the items we needed from her to do our job. 

Builder has now delayed items we needed for 3 days after multiple requests she has ignored. Due to this, she is now threatening buyer with 1 % penalty ( {$6300.00} ) but said if he uses her mortgage company she will waive penalty. She wasted time and cornered him into using her lender. COE date is XX/XX/27 and borrower is too scared to proceed with us because he doesn't want to pay this penalty.

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 2018-07-20 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
After discharging my Bankruptcy in XX/XX/2018, I tried to call Navient to have them base my loan repayment on my income. The first call that I made to them, in XXXX, to discuss repayment I gave them all of my financial information. They confirmed that based on my income that there would be no way that I would be able to make the payments and should qualify for a {$0.00} repayment plan. The representative went on to tell me that although I should qualify for a {$0.00} repayment plan that Navient was unwilling to make that happen. The representative went on to tell me that the $ 300+ monthly payment was required and that there was no way to lower the payment amount. This is the same representative that just confirmed that I should qualify for the {$0.00} repayment plan, I expressed the fact that there is no way that I would be able to make the payments. I called back in XXXX to try again to lower the monthly payment amount and express the fact that the most I could pay monthly would be {$50.00}. The representative said that I could pay that amount but that Navient would count the loan as being unpaid because it would not be the amount they are requiring. I asked the representative to change the monthly payment to {$50.00} and she said that she was unable to do that. So if I continued to make just the {$50.00} payments that eventually the loan would go to collections even though I would be making monthly payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I am requesting with this written notice that the following inaccurate XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX be removed from my credit report. The items are not correct and opened as a result of ID theft and wrong reporting infomation and are causing me financial distress because of their derogatory information. I am, requesting that you remove inaccurate information from my file and you have failed to do so. Accordingly, I can show a judge that these accounts are inaccurate and that you violated the Fair Credit Reporting Act of your mistake. If this final request does not prompt you to conduct the removal of the account and send proof to me of said investigation or removal, I will file a civil suit in XXXX Ohio for damages. I take my credit very seriously and your lack of professionalism and assistance is unacceptable. I am well aware of my rights under the FCRA and intend to pursue them to the maximum.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I am requesting with this written notice that the following inaccurate XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX be removed from my credit report. The items are not correct and opened as a result of ID theft and wrong reporting infomation and are causing me financial distress because of their derogatory information. I am, requesting that you remove inaccurate information from my file and you have failed to do so. Accordingly, I can show a judge that these accounts are inaccurate and that you violated the Fair Credit Reporting Act of your mistake. If this final request does not prompt you to conduct the removal of the account and send proof to me of said investigation or removal, I will file a civil suit in XXXX Ohio for damages. I take my credit very seriously and your lack of professionalism and assistance is unacceptable. I am well aware of my rights under the FCRA and intend to pursue them to the maximum.

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 non-monetary relief