vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-08-18 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: TX

Complaint narrative:
CFPB Consumer Financial Protection Bureau Date : XX/XX/XXXX What happened? In XX/XX/XXXX we closed on our home. We were offered a mortgage payment that fit our budget and moved forward with the purchase of our home. In XX/XX/XXXX we were notified that our house payment would increase by 39 % due to what the mortgage company referred to an escrow shortage. I am familiar with what I would call a normal and explainable increase in taxes and/or insurance that could make the mortgage payment go up or down but not by 39 % for one year and then, for the life of the loan 16 % which would now make our home unaffordable. It is most likely, had these numbers be accurate from the point of origination of the loan, we would have not qualified! 
I believe the mortgage company and/or the servicing company is not being honest with the mistake that was made at the origination point of our loan. This mistake was through no fault of our own and has jeopardized us being able to keep our home! We have lived in our home less than one year and find ourselves in an awful position. We moved from our home of 15 years, moved our kids and established new neighbors and friends. This has created an unbelievable amount of financial stress for my family with no explanation from either the mortgage company or the servicing company as to why such a large increase? I would like to believe that someone made an honest mistake but Im left to believe that this mistake was intentional, fraudulent and predatory in nature. Our finances are suffering ; credit worthiness is dropping because of someone else mistake. Your attention in this matter is appreciated. Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Weinberg Mediation Group LLC
State: MI

Complaint narrative:
I paid off a credit card bill several years ago owed to XXXX XXXX XXXX XXXX ( XXXX XXXX ) now anther company has been harassing me and contacting me saying I owe this debt and threatening legal action and saying if I do n't call them back they are going to sue me I told them to send validation of the debt which they are yet to send simply because they are scam artist. They are now calling my place of employment and my cell after telling them not too and that they could only correspond with me through mail and written documentation. As I stated this bill was paid several years ago. A woman has been calling as well as guy pretending to be lawyers

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-18 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Tribal Lending Enterprise, Inc.
State: IN

Complaint narrative:
I needed money and looked for a loan. I signed up for a loan XXXX at the end of XX/XX/XXXX via internet I received a mailing days after- it stated XXXX for XXXX pay off with 4 payments - just like i was told on the internet. I went to website to sign up XX/XX/XXXX at no time did they show 20 payments I signed up for XXXX and pay off of XXXX Now they say I signed up for 20 payments - that I have 16 more payments. I went to my bank to stop the business getting anymore money - i paid my 4 payments. I did received money XXXX on XX/XX/XXXX - which was not the agreement. The internet stated XXXX I at no time saw that I had 20 payments and 743.4707 % loan rate in total it would cost me almost {$3700.00} This is a scam- I called and they refused to show me what I have paid and gave me the run around. If you look them up they have been sued I am an XXXX and fell for this trap. I paid out of my XXXX XXXX XXXX acct - XX/XX/XXXX {$340.00} XX/XX/XXXX {$290.00} XX/XX/XXXX {$280.00} XX/XX/XXXX {$260.00} I have paid XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: MI

Complaint narrative:
I am a XXXX XXXX working with a client. I have beenb unable to resolve my issues with Loancare, despite numerous efforts. The client was approved for a trial loan modification with XXXX XXXX with instructions to make trial payments in XXXX XXXX. If the client maintained the trial payments, permanent modification documents would be sent out after the XXXX XXXX payment was received. The client made the XXXX XXXX payment but was informed in XXXX XXXX that the loan was sold to Loancare. The client began making payments to Loancare once he received updated payment instructions from Loancare. The client has been making payments on this trial payment ever since, but has yet to receive any permanent documents. At this time, the client made 2 payments to XXXX XXXX before the loan was sold and 4 payments to Loancare. I have tried reaching out to the single point of contact assigned by Loancare. He is never available and only returns voicemails if I escalate the case to a supervisor. When he does return the voicemail he tells me that he is escalating the case to underwriting and that I should check back in 24 hours and he will have the situation resolved. However, when I try to reach him 24 hours later, he is unavailable and does not respond. This " escalation process '' has occurred twice now. I have also tried speaking with a supervisor about this case but am repeatedly sent to voicemails. When I ask to speak to a supervisor who is available, I am told that the agents have no way of seeing who is available before they transfer the call. In the meantime, the loan is still listed as being in foreclosure status even though the client has fulfilled his obligations under the trial modification agreement. I also believe Loancare is continuing to charge late fees while they refuse to process the modification.
In addition to the specific mishandling of this loan modification, Loancare 's phone system is also incredibly difficult to navigate. I finally found the direct number for loss mitigation, as they are the only department with any authority to answer my questions ( per a customer service representative ) however, even when I call the loss mitigation department, my call is always rerouted to customer service or collections. The representative then tells me that since there is an overflow at loss mitigation they can not transfer my call back to loss mitigation but they also can not answer my questions.

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 2017-08-18 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: ME

Complaint narrative:
When Lowes posts payments to your statement they take the payment and prorate it over all your different ongoing accounts that have different due dates IE 6 months 12 months etc. By doing this your oldest due date may never get paid off completely, and you get charged the interest. I really thought this was declared illegal along time ago, and NONE of my other cards do this. Even some from the same bank as lowes. XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
Hello- The issue is with my XXXX XXXX XXXX from Capital One. On XX/XX/XXXX they mailed me a request to verify my identity by faxing them my driver 's license and social security card. I made sure the request was valid and not fraudulent and I faxed them the requested information. I then called to verify that the fax was received on their end - even though I had the successful fax confirmation on my end. They assured me all was good. Then In XX/XX/XXXX I received the exact same letter - as a second notice - threatening that if I did not comply and send the requested information by XX/XX/XXXX that my account would be closed. I again called and confirmed that XXXX/Capital One did have the information from XX/XX/XXXX. At that time I requested email confirmation and I was refused. I again had to take their word for it that my account was in good standing. Then on XX/XX/XXXX I received my monthly statement in the mail. Though it made no reference to my account being closed - it showed no available credit when I knew I had available credit. I called and was kept on the phone for one hour and twenty minutes. I was told it would take up to seven days to send me a letter of resolution and reactivate my account. Yesterday, XX/XX/XXXX, was the 7th business day and my account still shows closed online and I have received NO correspondence by mail. Today, XX/XX/XXXX, I just called XXXX/Capital One again. The Case Manager I was told would be handling my account was not available, and apparently neither she nor her supervisor have voice mail. I was told I would receive a return call. I stressed that I do NOT want to speak with an Account Supervisor, as they tried several times to connect me with one. I said I needed to speak with Case Manager XXXX or her supervisor XXXX - as the Account Supervisor XXXX id # XXXX I spoke with on XX/XX/XXXX was rude, unhelpful, and obviously did not get completed what he said was going to be completed within seven days. I fear that XXXX/Capital One 's nearly THREE MONTHS of ineptitude has now damaged my credit score, by showing an account being involuntarily closed. I want a letter of apology from XXXX/Capital One sent to all major credit bureaus, explaining the error and the extreme length of time it has taken to correct the problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-18 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
On XX/XX/XXXX, I attempted to open a credit account at the checkstand of the local Kohl 's Department Store.  When I entered my SSAN into the card reader, it showed the number belonging to an XXXX XXXX. Because of this, I was unable to open an account. On XX/XX/XXXX, I contacted Kohl 's Fraud Department by phone. A representative used the " national database '' to verify that the SSAN is indeed mine. I was told that on XX/XX/XXXX, a letter had been sent to XXXX XXXX, whose address is in California, and who opened the account in XX/XX/XXXX, requesting that he provide documentation to verify his information. If there was no response to their letter to in 30 days, another letter would be sent. The representative also told me that XXXX 's name was associated with another account that used a SSAN with one of the middle digits being one number off from mine. He said further that the name is also associated with another SSAN that belongs to someone by another name. I was offered the option of faxing or emailing to Kohl 's fraud department my photo ID, a copy of my SS card, and a copy of a current utility bill to verify MY identity. I objected, citing security concerns, and was told that there is no other protocol because of Kohl 's agreements with credit card companies. I asked for an address to mail a form letter from the identity theft website but was told emailing the letter would be faster. There is no option for emailing a letter at identitytheft.gov ( and none of the letters covers my specific problem ), and I 've been unable to locate a mailing address for Kohl 's headquarters. I called Kohl 's fraud department again on XX/XX/XXXX. A representative there checked the file. There has been no further activity, although my previous telephone call has been documented there. The rep suggested that the use of my SSAN for the other account could even have been the result of " XXXX fingers '' when someone entered it into their system initially ; but there is no other recourse for closing the file or removing my SSAN from it. She suggested notifying the Social Security Administration to prevent identity theft. It 's been 12 years since the Kohl 's account was opened and it has not been used. In my opinion, that is enough reason for Kohl 's to close the account and remove my SSAN from their system. Because I was notified this week that my identitytheft.gov account would be closed if I did n't log in, I logged in today and chatted online with a representative there. He suggested I file a report with consumerfinance.gov.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: COAST PROFESSIONAL, INC.
State: CA

Complaint narrative:
I am currently in student loan rehabilitation program, and have made2 payments in XXXX, and1 payment for each month there-after, for a total of 6 on-time payments. According to my calculations I have no more than 4 more payments left to fulfill my student loan rehabilitation agreement. In XXXX  I had an income change, from $XXXX per year to $XXXX per year. I contacted both US Dept of Education, and Coast Professional Inc, the servicer of my loan, and was told to complete a new financial disclosure form. I submitted all documents asked for. I recieved a new payment amount of 5 times higher than previous amount and was told that all previous payments I have made are now NULL and VOID and that my repayment schedule would start ALL OVER AGAIN for another 9 month period> When I spoke to manager XXXX XXXX I told him that even the contract they sent me clearly states PAYMENTS BEGINNING- X/2017. I believe this is ILLEGAL,and I can find no legal written documentation to support what they are trying to do.1) my payment amount increased almost 5X from $XXXX  to $XXXXeven though my income only increased $XXXX per year2) they are trying to start my contract all over again, despite the fact I have already made 6 payments, and only have 4 more left.The contract sent to me also READS "PAYMENT PERIOD FROM X/17" This is a breach of contract.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-18 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC.
State: NJ

Complaint narrative:
On XX/XX/XXXX, I received a call from Navient at my new place of employment. It was forwarded to my desk through the office operator. Never have I given Navient my work number nor my permission to contact me there. I told the rep to never contact me at work. She told me I need to provide a written letter stating this and even then, they did n't know how long that would last. Then, on XX/XX/XXXX, my HR department received a fax from Navient requesting my work status. I was not made aware by Navient that they were doing this. I was called into my HR office much to my embarrassment. Navient has attempted more than once to injure my reputation with my new employer and has cost me valuable time away from my new job to address issues that are private. These actions on their part are inexcusable and indefensible.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-18 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: CAVALRY INVESTMENTS, LLC
State: NJ

Complaint narrative:
This company made numerous phone calls to both my work and cell numbers on a daily basis. When voicemails were left by the company, they never specified what the debt was in relation to. In addition, in their voicemails, the first part of the company was inaudible ( as if deliberately done to conceal the full company name ) ; I could only make out " Portfolio '' so I had to do some research on the phone number showing up on my caller ID ( XXXX ). Upon doing a reverse phone number search of XXXX, I was only then able to ascertain the name of the caller as : " Cavalry Portfolio Services. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Continental Finance Company, LLC
State: MI

Complaint narrative:
I paid off a credit card bill several years ago owed to XXXX XXXX XXXX XXXX ( continental fiance ) now anther company has been harassing me and contacting me saying I owe this debt and threatening legal action and saying if I do n't call them back they are going to sue me I told them to send validation of the debt which they are yet to send simply because they are scam artist. They are now calling my place of employment and my cell after telling them not too and that they could only correspond with me through mail and written documentation. As I stated this bill was paid several years ago. A woman has been calling as well as guy pretending to be lawyers

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 2017-08-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with a trade-in
Company: World Omni Financial Corp.
State: FL

Complaint narrative:
We received a call from a sales representative in XXXX XXXX that they can give us a new car for and trade in the car we already purchase with them and they will give us credit. We had purchase a XXXX XXXX and trade in the XXXX XXXX we were paying I will attached the copy of the note on the papers they showed credit for the amount of money we already paid for the XXXX and they did not explained they will also charge for the rest of the money we owed on the XXXX ; but they keep the car for themselves and we have to paid for the money they will sale the car and keep for them. We did have to paid {$2000.00} for the down payment from our credit card and total payment for a XXXX XXXX will be {$34000.00} that is the most expensive XXXX I can imaging. The government should penalized car companies to still the money form consumers specially from old people they do not explain things at front and after they make you sign in a rush and you do n't have time to read and complaint. We need the company to lower the money they are charging for the XXXX XXXX they took and sale and keep the money for themselves to be more rich and consumers to be struggling with the payments. My husband is XXXX XXXX XXXX and just got a XXXX XXXX and we have to paid {$18000.00} form our pocket that we do n't have it and have to paid. They also have an advertising that guarantee for 5 years of service and after we got the loan they stated is only 2 years. I will attached note and copy of the bill we had paid 20 payments and still owe XXXX x $ XXXX this is a big abuse the congress need to take care of to protect consumers. I hope you can help us with this financial struggle.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
On XXXX XXXX I receive a Capital One credit card a welcoming package by mail at my home address. I also received a email text with a link to set-up my banking checking account with this card for payment source..The Capital One credit card came with a mobile text number to one step mobile app to activate card.I did n't care to use mobile app because I do n't trust this source and not very text literate ... That 's where the problem started ... I call customer service was asked a lot of personnel question gave everything they as for and offered any information they needed ... after about 30 min the agent gave me a number to card XXXX a secure service ... The agent Who said her name was XXXX asked me many of the same questions as the first, put me on hold for more than 15 min came back and said the to number I gave her had issues and to hold, again 10 min..now it was about XXXX XXXX central time ... .she came back it will take some time to activate that capital one master card to get information about my license card ... I told her I have any thing she needed on hand ... .she said no she would send me a email and about 72 hr ... ..I told her I am not tech literate as far as up-loading any thing ... well she said it was a problem ... I told her if it such a problem maybe the should be cancel she did..I called back to speak another agent the ca n't help it is cancel ... .all of this because I have a XXXX XXXX that I am receiving treatment since XXXX..no help from this company with me not being smart with this tech thing..

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: LA

Complaint narrative:
I called Navient about my repayment on student loans. I am currently paying {$330.00} a month on the XXXX of each month for loans. I called and asked to increase amount to {$380.00} and make due date the XXXX of each month. I made payment on XXXX XXXX and asked for next payment to be on XXXX XXXX. The representative said that was fine and set it up for me. When I checked my account online the next day ( XXXX XXXX ) it showed a payment of {$330.00} due on XXXX XXXX. When I called Navient they said sorry we messed up but we already starting taking out your payment and if I wanted to stop it I would have to call my bank. I was told it was my fault for setting up the payment before the date XXXX XXXX had passed because that 's just what their system does. I am so sick of the way this company handles business.

Company response to consumer: Closed with explanation