vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-06-05 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Motormax Financial Services Inc.
State: SC

Complaint narrative:
On  XXXX ,  XXXX , I was involved in an auto accident. My  XXXX   XXXX   XXXX  was deemed a total loss. I did not have collision coverage on my insurance policy ( see attached insurance declaration page ) and since the other driver was determined not to be at fault, I had no way of recovering anything for the total loss. So the car just sat at a salvage yard where it was taken after the accident. I drove for   XXXX   and the car was how I made a living as well. All of my bills got behind and I was struggling. In  XXXX .of  XXXX   Motor Max Financial Services, who had a loan on  the  XXXX , offered me a settlement amount of  XXXX  to pay off the loan on the car as evidenced by the accompanying letter. I worked constantly with my insurance co. to see if I could recovery anything. As a courtesy, since I had been wit h the Insurance co.  for such a long time and being a  XXXX  military veteran, they made an exception to help me. But when th e Insurance co. called Motor Max to get a pay off, they were told by Motor Max the  amount of  XXXX . The loan co. doubled the payoff amount! I fee l Motor Max Financial Services ' actions constitute predatory lending practices. A representative of Motor Max Financial Services also made disparaging remarks about me and said that I had insurance when the Insurance declaration page   clearly shows that I did not have collision coverage on the automobile.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I had called Bank of America 's claim department to file a claim for unauthorized check trans action after being on hold and get transfer from  one person to another person finally 3 hours later I got to file my claim over 4 weeks ago. The  person opened up my claim assured me that I will get my account credited within 10 days, I give them 18 days and when I saw no credit to my account I called them back again and gave them my claim number and they told me they need 20 days to give me credit and I explained to them I was told 10 days originally now you are telling me 20 days and I asked to speak with supervisor and she refused by saying that she is the supervisor. now it is al most one mont h and no phone calls or letters explaining to me what is going on to my account and my money. my friend told me about this site and that 's why I am here today, please help me to collect my money from bank of America.

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 2017-06-06 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Io, Inc.
State: VA

Complaint narrative:
I owe a balance to  XXXX   XXXX , it took months to send payment because I usually wait until my insurance kicks in before paying. Well, I waited too long and the outstanding balance went to Receivables Management Systems  (   XXXX , VA company ), where they billed me {$40.00} fee. I paid the amount due to  XXXX   XXXX  ; however I do n't see how the {$40.00} is rightful ( or even lawful ) to charge. The {$40.00} collection fee was billed to me, so that means I 'm paying  XXXX  to collect from me? That does n't make sense. The {$40.00} should be charged to  XXXX   XXXX , since they hired  XXXX . Also,  XXXX  is billing interest. I did n't sign consent to be billed the fee or to collect interest. Who give  XXXX  the right to do ( and collect  )  anything they want? I did not sign this agreement with  XXXX .  <P/> The attached document is an old copy. The {$110.00} has been paid.

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 2017-06-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Over a ago I was working for   XXXX   XXXX   XXXX   XXXX   of  XXXX , Pa. and I found out that the owner   XXXX   XXXX   had my Social Security Card in his possession.   I believe he used it to apply for credit under my name. As a result I now have several bogus accounts in my name under collections by  XXXX  for  XXXX ,  XXXX   XXXX ,  XXXX  and  XXXX . None of these accounts I applied for myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-06 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
On    XX/XX/17 , we  were charged a {$480.00} appraisal fee for an appraisal that we did not order. The appraisal was ordered by  Santander  Bank, due to the fact that we were going to potentially short sale our home. We were able to sell our home for more than what it was worth. On   XX/XX/17 , t he date of our settlement, we contacted Santander for a payoff figure. We immediately filed a dispute for the appraisal fee because Santander jumped the  gun in ordering the appraisal. We had not even submitted a short sale offer and they had already sent an appraiser to our home and charged us for the appraisal. We were told we would be contacted within 5 to 7 business days with a decision on the dispute.  On  XX/XX/17 , w  e  called Santander to see what was happening with th e dispute, because we were never contacted, and we were told that the appraisal fee would not be refunded because they had the appraisal completed to protect their interest. O n  XX/XX/17 , the date of payoff, we were also charged a {$50.00} satisfaction fee. We asked about this fee on  XX/XX/17  and we were told it was a fee for the satisfaction of the short sale, which we never incurred. We would like  to have a refund of the {$480.00} appraisal fee and the {$50.00} satisfaction fee. We were hoping you could help us in this matter.

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 2017-06-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY

Complaint narrative:
On XX/XX/XXXX was denied credit from XXXX for a business credit card due to transunion reporting a bankruptcy on my file. I have no bankruptcy reported on any credit report from any bureau under public files. My XXXX mortgage that was modified in XXXX is reporting under remarks : bankruptcy dismissed. Loan modified. However, there is no date of when the so called bankruptcy was dismissed and is honestly reporting information well past the max of ten years. This mortgage was paid off in good standing. I put a dispute in on XX/XX/XXXX after I contacted XXXX XXXX and Transunion regarding this issue. XXXX XXXX stated that it is transunion 's problem bc they are recognizing a bankruptcy and just reporting it. Transunion says its XXXX problem bc they are the one not updating the information and keep reporting that the bankruptcy is dismissed. The dispute came back XX/XX/XXXXwith no change in the results I contacted XXXX XXXX again and Transunion and placed new disputes but neither was willing to work to change the issue and continue to blame each other. I have put in another dispute and contacted a lawyer for further advise. XXXX does not report this 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 2017-06-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PNC Bank N.A.
State: TX

Complaint narrative:
XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  advised that my loan servicing was transferred  to PNC M ortgage. My notice advised that I had 15 days before having to make payments to another servicer. To put this in context, I was about to go on a 60 day trip overseas and could have completely missed this letter. The amount of time given was completely inadequate and I could have lost my home to foreclosure or at the least been charged a slew of fees and had my credit damaged. This is completely unacceptable. Given that my loan is for 30 years, nothing should move as fast as this. 3 months should be the minimum amount of notice of a transfer. Auto-draft payments should transfer, and there should me much more notifications than a simple letter in the mail that can easily be lost.     Additionally, I called the company today (  XXXX / XXXX / 17  ) and am unable to make my regular payment. They advised that my loan was " being processed '' I would not be penalized. I however, have no written guarantee or protection.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
The credit companies are reporting I have tax liens reported by different courts. The courts  DO NOT report tax liens. This information is being reported incorrectly. This is a violation of the Fair Credit Reporting Act Section 1681B ( c ) and  a serious breach of my privacy rights.

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
Consumer complaint received 2017-06-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
The credit companies are reporting I have tax liens reported by different courts. The courts DO NOT report tax liens. This information is being reported incorrectly. This is a violation of the Fair Credit Reporting Act Section 1681B ( c ) and a serious breach of my privacy rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I really need help. I am XXXX and was approved for a medication from Bank of America. Since the medication, I had many expected medical problems last year which resorted to me getting XXXX XXXX. I was also involved with the housing programs. They completely rehabbed my home to accommodate my XXXX. The problem was that I had to move out and continue to keep up all the bills including mortage and utilities and rent somewhere else just to live and I had to pay rent there. They XXXX County promised me that it would be no longer that 90day and instead it I was out for 180 days which messed up my pockets. I have been sending money until they stopped accepting it. I also do n't understand that under the original modification I was approved. I 'm also getting more money through XXXX and keep getting denied when I was approved with a lesser salary Please help ... .I have no place to go. I have been in my home for over 20 years. I have pleaded and pleaded. I 'm trying to catch up. There has been a change in my circumstances and my financials, No one from Bank of America has asked me for any update nor my XXXX award letter nor and of my medical records. Please, please, please help me save my home.

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 2017-06-06 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: SLM CORPORATION
State: CA

Complaint narrative:
I recently recieved a re-fi loan for my Sallie Mae Loans. The first loan was disbursed correctly, and the second one was not. It was split up into the three loans that were left, and not used to pay off one loan as was directed by my new loan servicer. I know I and my re-fi company correctly communicated which loans were supposed to be paid off, but instead, Sallie Mae has once again messed everything up. All they want to do is keep me paying the insane interest rates I have been unfairly given. This is the third time I 've had to file a complaint about them with you, and the second one in two months.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: AES/PHEAA
State: OH

Complaint narrative:
I have ~ {$330000.00} worth of student loans serviced by FedLoan Servicing. I am in the Income Based Repayment Plan. I had my taxes prepared by an accountant, and finally received my Adjusted Gross Income amount, required by FedLoan Servicing in order to submit annual recertification of income for IBR, in mid XX/XX/XXXX. I then went online to submit the recertification of income, but the StudentLoans.gov website was not working properly and was not linking to the IRS. As of today, it still is n't working correctly by the way. Because of this, I had to mail my forms in. I post-marked them on XX/XX/XXXX, and they were received ( reportedly ) by FedLoan Servicing on XX/XX/XXXX. I have a letter stating that they needed to receive the paperwork within 10 days of XX/XX/XXXX. Well, mail ca n't arrive on Sundays, and XX/XX/XXXX is well within 10 business days of XX/XX/XXXX. I would n't even be in this situation if the website was working correctly. They capitalized my ~ {$57000.00} of interest on the loans and increased my monthly payment amount, even though they still have my forms and are " processing them. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Prospect Mortgage, LLC
State: NY

Complaint narrative:
TO : Prospect Mortgage XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Dear sir or madam, Earlier this year I received the attached form XX/XX/XXXX XXXX XXXX from you. After numerous attempts to contact you and receiving no replies I was forced to submit this form with ny XX/XX/XXXX taxes. <P/>However I have no idea why you are sending me this form. Our mortgage was with your firm in XX/XX/XXXX. You sold it and the mortgage is now with XXXX XXXX. <P/>Why are you sending me this form after all these years? Is there an escrow or other amount of money that you still have the belongs back to me? <P/>I would like to clear this up in an amicable manner. Kindly let me know what the status of this account is. I believe a due date by XX/XX/XXXX is fair. Please reply by then. <P/><P/><P/><P/>Continuance : I made several calls to Prospect Mortgage in XX/XX/XXXX. No calls were returned. I believe the last call was XX/XX/XXXX at XXXX XXXX ET. I spoke with XXXX. She took my name and number and said someone would call me back. This was typical of two or three other calls I made. No one ever returned a call. So I wrote the letter as detailed above and dated XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-06 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CIT BANK, NATIONAL ASSOCIATION
State: TN

Complaint narrative:
I closed an account with  CIT  bank in  XX/XX/XXXX which I had used to keep funds after the sale of my home a couple of years earlier . CIT ba nk did not send me my tax forms for  XXXX  until   XX/XX/XXXX   after I had already filed my  XXXX  taxes. They had emailed me information regarding the forms in previous years but ceased all email communication after I closed my account. I updated my banking information across multiple banks  which I used after the sale of my home and all banks except CIT mailed me the forms to my proper, new address. When I contacted CIT they stated they monitored all communication and stated I never contacted and never updated my address them which is not true. I am now facing a costly amendment process to my taxes.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: U.S. BANCORP
State: FL

Complaint narrative:
I applied fr a Modification with USBank they purposely drag it out, years it was long US bank keep asking me fr the same paper work over and over.i was trying remove my mom fr the Account US bank had me go pay fr a quick claim Deed An would not do it. They stop taking my mortgage said it 's in a loss mitigation they kept stringing me along they waited in till there was a new president and executive order was signed and they denied my modification I do n't know they did Denied it I called the end of   XXXX   to check on the status that 's when I was told they never gave me the chance to appeal their decision they filed foreclosure right away they have done all the paperwork with the judge he signed off on taking my house and the only way they 'll allow me to keep my house I have to pay {$38000.00} not what I/O they have n't sent me the paperwork it is sitting in courts filed With the judge they never gave me a chance so all they 're waiting on is to just put me on the street I lost my job I got on employment for three months form I started working in  XXXX  of last year I 've been saving my mortgage payment The bank and the judge use you the court system to Railroad me and take my house please can you help me my home has about {$30000.00} in damages it needs a new roof from the hurricane last year that Home has a lot of problems because of the   XXXX   XXXX   messed up the house they build it fast and nothing was done properly and when I bought my home it was a abandon for over five years The previous owner flood the house took out all the like inside all the kitchen cabinets bathroom it was vandalized by them and they really did not give me a fair opportunity they just want me gone

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 2017-06-06 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: DE

Complaint narrative:
This complaint is related to my previous numerous complaints against Citizen 's Bank and our application for refinancing which took more than one year but yet created problems and aggravation. The process for refinancing to 2.75 % home equity line of credit was complicated because the title deed of our residence is held in the name of a trust of which our grown up kids are co-trustees. Our daughter lives in Oregon and son in Pennsylvania. Documents for home equity line of credit needs their both notarized signatures. Time and again those documents were not done as required ( and we do not know the reason ). Finally the 2.75 % was given to us but the line of credit was suspended. In 2017 Citizen 's  bank increased the rate on this loan twice although the Federal Reserve raised interest rates so far only once. In XX/XX/XXXX the rate was raised to 3 % and in XX/XX/XXXX to 3.25 % which apparently was made to penalize us. Citizen 's bank started the process to make the documents again by sending our daughter mortgage documents again but raising the rate in XX/XX/XXXX clearly appeared to be punitive.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Caliber Home Loans, Inc.
State: MI

Complaint narrative:
My name is   XXXX   XXXX  . I am a loan officer with   XXXX   XXXX  . I am making this complaint of through my own motivation and not at the direction of the company I work for. I have recently had the unfortunate situation in which I have worked very hard with a lower to moderate income earning immigrant applicant. He made an offer ( not an accepted offer ) - just simply wanted to make an offer on a home for sale that is owned by   XXXX   XXXX   XXXX   XXXX  . Which is a Trust that is owned/managed by the same person that owns Caliber Home Loans. My borrowers offer was NOT accepted at the time they put extreme duress and pressure on him to apply with Caliber Home Loans to be pre-approved. So, in order for the listing agent to even present my client 's offer on a home my client had to go to a Caliber Home Loans for a pre-approval. I know in this day and age of BIG business and banking that lobbyist rule, and he who has the most money gets to make the rules ; however, this not only affects me and my ability to support my family it also affects our clients. Anytime credit is re-pulled it has the potentially to affect the credit score of the borrower. If the credit score is negatively affected - by that mean because of inquiries the credit score goes down - this could impact the rate of private mortgage insurance the buyer pays. In this particular case if the private mortgage insurance goes up, the monthly payment goes up AND the borrower no longer qualifies. Since inquiries can affect credit scores this could affect insurance premiums and loan rates down the road. Requiring a borrower to be pre-approved BY ANY LENDER as a requirement to have their offer accepted is the very definition of steering. Steering is suppose to be against the regulations and rules yet THE OCC, HUD AND NOW THE CFPB DO NOTHING to prevent it. Kick backs are also not allowed yet PULTE Builders can offer their clients 10K in upgrades to go to   XXXX   XXXX   ( despite the fact that   XXXX   XXXX   has higher than market interest rates ) - how is that putting the CONSUMER in a better position??? How is that not steering? How does the CFPB allow this to go on? Steering is not allowed according to the law. Kickbacks are not allowed according to the law yet this is common place with big companies and big builders. I would like to see the CFPB enforce the law on ALL COMPANIES even if they are the seller of the property. This practice is not only against the law it is potentially harmful to the consumer.

Company response to consumer: Closed with explanation