vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-01-07 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
In the past 2 month, after receiving XXXX and XXXX bills, I was forced to call so-called Customer Service and explained why finance charges appearing on the each of those bills should not have being accessed. Each time finance charges was credited back to the account and each time I was promised that similar charges will not appear on the next bill. And low-and-behold, these finance charges were on the each and every next bill, including latest, XXXX bill!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-08 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: LD Holdings Group, LLC
State: TX

Complaint narrative:
My wife and I applied for a refinance of our current mortgage with Loan Depot in early XXXX. XXXX XXXX was my contact in the beginning and I answered ALL of his questions. After XXXX hard credit inquiries in 33 days, including XXXX in one day, I was told they could not refinance because I had over XXXX acres and had acquired an equity loan several years ago which I paid in full. They NEVER asked me the acreage or if I had ever had an equity loan.If they had ask these questions initially the loan process would have never started and there would not have been XXXX hard inquiries on my credit report. I asked them to remove at least XXXX of the the credit inquiries, if not all of them, since they failed to ask the proper questions and they refused! Also I received a letter of Adverse Action Notification which stated that I had over XXXX acres, said nothing about the equity loan but said that the " value of Type of Collateral not Sufficient ''. The loan request amount was {$110000.00} but the appraisal was {$230000.00}! The insufficient collateral statement is totally false! 
My goal is to get these credit inquiries removed. If Loan Depot had done their job properly and efficiently this 45 day process and all the credit inquiries would not have been necessary. 

Regards, XXXX XXXX XXXX XXXX XXXX, Texas XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-13 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Caliber Home Loans, Inc.
State: FL

Complaint narrative:
There is a motion on XXXX/XXXX/XX/XX/XXXX @ XXXX XXXX county courthouse to reschedule foreclosure sale date based on 100 % illegal, fraudulent foreclosure. XXXX XXXX XXXX has sold, transfer or assigned this mortgage to Caliber Home Loans in XX/XX/XXXX. 
1. Got out of non-jury trial XXXX XXXX, XX/XX/XXXX which I knew before walking into Judge chambers I was going to lose. To get an idea of what typically occurs @ these non-jury trials just imagine a handcuffed monkey trying to beat a Lion in a caged fight. 
2. Five Year Statute of Limitations ( SOL ) Expired XXXX XX/XX/XXXX 
3. One Hundred Per Cent ( 100 % ) Foreclosure Fraud : Forged and Notarized Original Mortgage signatures, Plaintiff lacks legal standing ( mortgage sold off originally by XXXX XXXX Bank to a trust ), robo signing. Their was the biggest lying straight face robo testifier from XXXX XXXX XXXX I have ever witnessed, it is sad and unacceptable how all their lies, fabrication were allowed into evidence while our strongest evidence by defendants Forensic Expert/Witness testifying original note is 100 % forgery denied her testifying at trial, XXXX due process. 
XXXX law firm does all plaintiffs dirty work. 
4. Force placed homeowner insurance obtained at illegal price gouging rates XXXX, XXXX times normal amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-21 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Medical Data Systems, Inc.
State: TX

Complaint narrative:
Sent XXXX different notified letters all 30 days apart requesting verification that I was the owner of this account. I asked this company to provide me with a signature showing this was mine only to get a copy of the BIL and no verification signature. After XXXX attempts, XXXX different letters, more than 90 days between the XXXX to reply and verify NOTHING. No proof whatsoever that this was/is my account so I asked them to remove only to not get a response back.

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 2017-02-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Northwest Trustee Services, Inc.
State: CA

Complaint narrative:
I have contacted the Northwest Trustee Service in which is my mortgage has been transferred to from XXXX. I have fees from northwest that are bogus that they want me to pay. In which I was never contacted by them or receive and documents from by mail or certified mail. I have called northwest several times and ask them to provide me with documents that I have sign or they have sent out in which they fail to do so. Anyone can get a tracking number from any postal service or XXXX or XXXX online and never deliver. I feel that Northwest are trying to make me pay for fees and work that they did not do. Which is Illegal for them to do so.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: AES/PHEAA
State: AL

Complaint narrative:
I have received absolutely abysmal service from MyFedLoan Servicing. They botched my consolidation process, they overcharged my interest rates, they provide completely inaccurate information from person to person, and they also have botched my recertification for income based repayment plans -- sending me notices to pay astronomical amounts when I have proof that I filed the appropriate paperwork 3 months prior. They are a nightmare.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-23 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Nations Recovery Center
State: GA

Complaint narrative:
Nations Recovery Center XXXX is trying to collect from me a judgement they say I owe from 2007 in the amount of {$1000.00}. I signed a consent judgement and paid directly to XXXX XXXX XXXX XXXX XXXX, XXXX in the amount of {$780.00}. I sent a letter to Nations Recovery stating this exact information and they in return send me a copy of the consent judgement. They have not sent any proof from XXXX XXXX XXXX. I feel they are pulling information from XXXX XXXX online court system and trying to fraudulently trying to collect money from me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-16 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: DC

Complaint narrative:
Last month I received a letter from Navient stating that there was an error in my consolidated loan- that the XXXX loans within the consolidation loan had different repayment schedules and that Navient was going to automatically switch my repayment schedule to the longest possible. The letter indicated if I wanted a different repayment schedule, I simply had to call Navient. I called the next day ( approx XXXX XXXX ), and tried to get the repayment schedule back to my previous schedule. This proved extremely difficult- the first call I could not reach a representative through any of the automated choices, and when I finally did reach a rep, she had to transfer me to a different section. I proceeded to wait on hold for approx 10 minutes and then instead of speaking to someone to assist me, I was instead connected to a satisfaction survey which asked about my experience. Considering I received absolutely no assistance, I would say the experience was pretty unsatisfying. So, I tried again, and reached a human fairly quickly, one who assured my the change request had been added to the account and that my next monthly payment would remain the same and not revert to the lower payment/longer payment schedule. I assumed this would be the case and I did not request verification in writing. Unfortunately, this month 's monthly payment just came out and I see that the lower amount ( corresponding to the longer repayment schedule ) was made and not back to my normal payment amount. 

I understand that the XXXX repayment schedules may not have matched up within the consolidation loan, and this may be a requirement, but I do n't see why it 's necessary for Navient to revert the consumer automatically to the longer repayment schedule since this inevitably costs the borrower more in interest. And what I really do n't understand is why it 's so difficult for a borrower to contact Navient and have the payment changed back to what the borrower originally wanted ( and had been paying without incident for over 10 years. ) I think it 's disingenuous to change a borrower 's repayment schedule without their consent- but it 's even more egregious to make it difficult, if not impossible, for the consumer to change it back to the option that will ultimately save the consumer thousands in interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-15 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: SUNTRUST BANKS, INC.
State: VA

Complaint narrative:
i received a letter from my mortgage servicer stating that my " flood insurance had expired '' I have been with the same lender on the same property for over 5 years and NEVER had flood insurance, therefore it could n't have expired. I called them and told them their letter was in error. they responded that they will be putting a forced policy in place. they stated they sent me a letter of notice XX/XX/XXXX which I never received. I did receive a second and final notice on XX/XX/XXXX. I called them when I got it. they said the letter was in error, but that FEMA had notified them that I am in a flood zone. I called FEMA. they said " YOUR LENDER LIED TO YOU '' that they do n't notify lenders of such things. 
they continue to tell me that they will put the force policy on me anyway. I have been lied to here, and their entire premise is based on a false statement that my flood insurance expired!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-13 00:00:00
Product: Debt collection — Federal student loan
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: ACS Education Services
State: CA

Complaint narrative:
My ACSXXXX loan is being reported as charge off on my credit reports. 
This account has been paid since 2013.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-12 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: MI

Complaint narrative:
I combined a home mortgage and a heloc and refinanced with my existing lender Citizens-CCO Mortgage. Closing was Tues XXXX XXXX, 2015. I was told many times that no XXXX XXXX mortgage payment would be needed. 6 days later, on Monday XXXX XXXX, an auto-pay for {$2400.00} was deducted from my checking acct, and applied to the closed loan. The unexpected payment made my checking acct overdraft by {$640.00}. The Loan Officer admitted his error ( that he never cancelled the auto-pay ), and he put in writing that I was due the principle and interest refund. He also said escrows from the closed loan would be refunded in 2-3 wks. On XXXX XXXX, {$2400.00} was wired to my checking acct. ( {$2400.00} is the total of all escrow money held in the closed loan ). The Loan Officer then stopped returning my calls and emails because he focuses on loans, not closings. In XXXX I had 3 meetings with Citizens Managers trying to get my principle and interest returned, but they said no money was owed. The Title Company Manager told me that this problem is common with Citizens-CCO, and that other closings that occurred at the end of the month resulted in customers who were trying to get their " extra payment '' returned too. Then in XX/XX/XXXX the local Citizens people sent my issue up to the Office of the Chairman ( OOTC ) of Citizens Bank. Then I started receiving finance charges due to the overdraft that was caused by the Loan Officers negligence. I reluctantly paid the {$640.00} overdraft funds in order to stop the finance charges from occurring. The OOTC reviewed the situation and in XXXX they said no money is due back because they already sent me the {$2400.00} escrow money. Then in XXXX I supplied documentation again proving I was owed money for the extra payment of principle and interest. Then in XXXX the XXXX replied that they sent me the {$2400.00}, which they now claim was the principle and interest plus 1 days ' worth of interest! So I have 2 letters from the OOTC which directly conflict with each other! If they ca n't figure this out, who can? I wrote to them and asked them to tell me the correct answer because their letters say 2 totally different things, and for the last 2 months they refuse to look at the issue because they say they already addressed it. Frustrating! I have asked for a face to face meeting, I have asked repeatedly for a phone conference to go over the documents, I have great email trails, and documents to prove that money is owed to me. I have spent more than 100 hours working on this, to no avail. I have written nice letters, and I have more recently written stern letters XXXX but always respectful ), trying to get action. I have spoken to experts in the mortgage field that tell me to file a complaint with the CFPB to get action.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-31 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: AES/PHEAA
State: AL

Complaint narrative:
My monthly student loan payment is directly debited from my account each month. ON XXXX XXXX, 2016, I submitted an ADDITIONAL payment with written instructions for that payment to be applied to a specific loan ( the loan with the smallest balance ). Despite following the instructions provided to me, and after following up with FOUR phone calls and an email, the payment still has not been applied as requested. This happens EVERY TIME I make an additional payment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-13 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: Credit Karma, LLC
State: AR

Complaint narrative:
My social security card is not matching my name what do I do? I tried my maiden name and my other husbands name also.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: AES/PHEAA
State: OK

Complaint narrative:
I submitted my IBR application online before my application deadline. I was prompted to print out and send in the form and income verification. I contacted FedLoan to ask where to send the application/verification, but I never received a response. I followed up by calling their customer service. The representative told me that my application had been received and that I only needed to upload my income verification. I uploaded the verification and later received a response that my application for IBR was denied because the form was expired ( despite it having an expiration date of XX/XX/XXXX ). Upon contacting customer service again to ask about the denial, I was told that my application could not be submitted online ( despite the first customer rep telling me that my application was received and that I only needed to upload my income verification ). I immediately uploaded a paper application and verification. Unfortunately, they processed my application after the most current billing cycle ( XX/XX/XXXX ), leaving me on the hook for a student loan payment XX/XX/XXXX that was 3 times my normal payment. The IBR application only applies to the XX/XX/XXXX bill and forward. I contacted customer service again, and they told me there was nothing they could do about XXXX 's payment. They blamed me for not uploading my paper application until after XXXX 's bill was generated. I explained to them that the only reason the paper application was not uploaded originally is because 1 ) they never replied to my message asking where to send the application and ; 2 ) the first customer service rep I spoke to told me that they had received my application, indicating that there was no need to upload it, only that I needed to upload the income verification. Their solution was to put my account in administrative forbearance for XX/XX/XXXX. I agreed, as they told me there were no other options. However, that means that more interest is accumulating while the loan is in forbearance. I am also seeking PSLF, putting my qualifying payments one month behind. I can not help but think that the process is deliberately confusing and that their reps are encouraged to make it even more so, so that the company makes extra interest on the loan while it is in forbearance.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-11 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: COLLECTION SERVICES OF ATHENS, INC.
State: GA

Complaint narrative:
This company is attempting to collect a debt from me that I do n't owe them. I never established a contract with this company and they have reported negative items onto my XXXX and XXXX credit reports which is in violation of the FCRA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-15 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: SUNTRUST BANKS, INC.
State: FL

Complaint narrative:
I sold my condominium and as a result was due certain refunds. SunTrust sent me checks for those refunds. However, the checks expired before I was able to deposit them. I attempted to contact SunTrust to have the checks reissued but was told the department that issued the checks does not speak with customers. Since the checks never cleared I checked my state 's unclaimed property listing, however no record of the funds due to me are shown.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: AES/PHEAA
State: GA

Complaint narrative:
I have {$50000.00} in XXXX student loans, formerly serviced by XXXX and XXXX. Responding to a XXXX XXXX XXXX : President Obama 's Federal Loan forgiveness program, I received a phone call in XXXX from XXXX XXXX XXXX. I was under the distinct impression that this organization was government-afilliated. They offered me an income-adjusted repayment plan of $ XXXX, ostensibly with loan forgiveness after making XXXX years of payments. During the initial phone call, XXXX took my debit card number as " backup '' ( they said XXXX if there were late payments. After completing application paperwork, I began receiving emails from a company called FedLoan Servicing XXXX : starting payments on my XXXX loans. I thought ( naively ) that SLE and FedLoan Servicing were connected and that these payments were the result of my SLE application acceptance. I began making regular payments through the FedLoan website, which I found is affilitaed with the the Pennsylvania Higher Education Assistance Agency ( PHEAA ), which also manages American Education Services ( AES ), which services my private school loans. In XXXX, despite having paid my FedLoan installment that month, I noticed an automatic debit card payment of {$39.00} charged to SLE, which I still believed was affiliated with FedLoan. I emailed FedLoan to complain, only to be told that FedLoan does not charge late fees. Shortly thereafter, my bank informed me that my debit card was hacked, and closed the card. I just received a phone call and email from SLE that my " automatic payment '' was declined, and to call them, which I did. The originating number is no longer in service, and the SLE phone number ( XXXX ) is always busy. I believe I have been scammed or, at the very least, XXXX, and I have no idea whether SLE and FedLoan are connected to each other. If they are not, then I have no idea how my XXXX student loans were paid off and transferred from XXXX to FedLoan, XXXX which they apparently were XXXX and what XXXX 's role in this is, if anything. I also do not know what XXXX was charging me $ XXXX for, and where that money went. SLE does not have access to my new debit card number, fortunately. I am perplexed, alarmed, and angry that private companies have taken advantage of the legitimate XXXX student loan reservicing initiative to scam people who need legitimate financial assistance with their loans. I would like to find out XXXX what happened with XXXX XXXX XXXX and FedLoan to find out what is going on with my XXXX loans, and whether they are being legitimately serviced or not.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-06 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: SUNTRUST BANKS, INC.
State: VA

Complaint narrative:
In XX/XX/XXXX, I called The SunTrust Mortgage Escalation Resolution Team. The person who answered the phone said she could take my request verbally. I told her I was requesting a copy of all the information re my mortgage # XXXX, that they sumitted to the Hamp Administrator and the National Settlement Administrator. The person, whose name I have, said she would take care of this. It has been over 30 days and I have heard nothing. I called yesterday, and the person who answered the phone, said I have to submit my request in writing. A month wasted!!!! I have requested info by phone.in the past and have received a response. The desired resolution, is that I receive a complete copy of any information given to the Hamp Administrator, and the National Settlement Administrator, regarding the subject mortgage # XXXX ASAP. It is my right to see everything sumitted.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation