vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-04-11 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Fay Servicing, LLC
State: NY

Complaint narrative:
In XXXX XXXX my house was damaged by super storm XXXX. We received some funds from XXXX and through our flood policy however had to come out of pocket with a lot of funds as well. Inbmarch XXXX I received notice from XXXX that they were auditing all of the NY claims as they realized they had under estimated on the funds they paid out and had shorted home owners. I immediately filed for a review of my file. ThXXXXe determined that yes I was shorted and this XXXX issued a check for $ XXXX. Because I XXXX mortgage the XXXX was made out to myself and the mortgage XXXX servicing. I have contacted XXXX, specifically XXXX Frye, multiple times. He will no longer call me back. I had requested how I can get the check endorsed. there was no additional work done to my house and based on their track record of handling my mortgage servicing thus far ( you can see I have multiple complaints for basic servicing items ) I do not XXXX for just blindly send the check in without some assurance that they know what to do with it, endorse it and send it back to me. My husband and I laid out a lot of money out of pocket to fix out house and this will help, to replenish the savings we had to pay due to XXXX shorting us.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-19 00:00:00
Product: Bank account or service — Savings account
Issue: Deposits and withdrawals — 
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: OR

Complaint narrative:
I have not received my debit card or checks for my Health Savings Account ( HSA ) from the financial institution, Webster Bank. I 've made XXXX calls to Webster Bank customer service at XXXX confirming my correct mailing address each time and requesting resolution. Still no card. My office called and no resolution. ( I 'm receiving monthly HSA account statements from Webster Bank and all other mail at same address. ) I have a locked mailbox, and have checked with my apartment 's main office, which confirmed they 've received nothing for me from Webster Bank. Contact log with Webster Bank customer service : XXXX/XXXX/2016 : Debit card supposedly mailed XXXX/XXXX/2016. Never received. Confirmed mailing address on file as correct. 
XXXX/XXXX/2016 : Debit card reordered. I was told it would arrive XXXX to 14 business days. Confirmed again my correct mailing address. 
XXXX/XXXX/2016 : I was told debit card was mailed on XXXX/XXXX/2016. Confirmed a third time my correct mailing address. 
XXXX/XXXX/2016 : I was told checks in lieu of debit card would be sent overnight to my correct address. Never received. 
XXXX/XXXX/2016 : My office benefits manager called Webster Bank 's business customer service line and was told nothing further could be done. 
Meanwhile, my prescriptions have all run out, and I have health provider balances I ca n't pay because Webster Bank ca n't seem to provide basic banking services.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-04 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Fay Servicing, LLC
State: WI

Complaint narrative:
I have been trying to complete a loan modification with my lender for 2 years and am continually lied too. They send me a letter, emails, and verify by phone that all the information has been received and under review and then a few days to weeks later I get a call that the information is not complete and I get denied. I have gone through this at least 3 times with the latest being today. I received a letter of denial because they claim the documents are not complete after I have received a letter stating it has all been received. Then I get a call from a new account manager telling me it is not and is completely unaware that the letter has been received. I respond to that via phone and the new account manager looks at the received documents and tells me it was his oversight and that they have what they need. About 5 days later I get another call from another account manager that is supposedly helping my account manager and he tells me that they need more documents, newer versions of what I already sent them because they took too long to review them. So, I submit them again and receive an email confirming they are received. 
Today I get the letter that states otherwise. I keep getting lied to and have done some research on my lender and this is business as usual for them. I need someone to intervene and keep them honest and force then to do what the government has put into place. I am convinced they are are more concerned with forcing me out of my home than working to keep me in it.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-09 00:00:00
Product: Mortgage — VA mortgage
Issue: Credit decision / Underwriting — 
Company: First Direct Lending, LLC
State: CO

Complaint narrative:
I was considering refinancing my home and entered my information online to have various mortgage companies contact me. One that did was First Direct Lending in XXXX, CA. When they called, I spoke to a person named XXXX XXXX While attempting to get the rates I would qualify for, XXXX said the only way that he could provide those rates was to do a " soft credit '' check with XXXX credit bureau. I inquired as to what that is and how it would affect my credit score ; he said it would not affect it because it is treated as an " inquiry. '' Therefore, the only way for me to get this rate was allow XXXX to do the " soft check. '' After receiving the rate, I told XXXX I would think about it and that was the end of my contact with XXXX and First Direct Lending. 
ON XXXX/XXXX/2015, I received a letter dated XXXX/XXXX/2015 titled " Statement of Credit Denial, Termination, or Withdrawal. '' I did not understand why I received this letter because I did not apply for credit or the mortgage loan ; again, it was only a " soft check '' per XXXX. 
I have called XXXX at First Direct Lending several times without a response back. On XXXX/XXXX/2015, I spoke to the receptionist and told her my situation and that XXXX was not returning my calls. She then transferred me to a person named XXXX. I also left a voicemail and never received a response. 
I am concerned for a number of reasons with the first being the damage to my credit score because of the denial of credit that I never applied for to begin with. Second, is the fact that I was lied to about the " soft check '' by 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 2016-12-05 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Advanced Collection Bureau, Inc.
State: FL

Complaint narrative:
ADVANCED COLLECTION ACCOUNT NUMBERs : XXXX XXXX XX/XX/XXXX Address : XXXX XXXX XXXX, XXXX XXXX XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you ADVANCED COLLECTION or any company associate with this account # XXXX XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : ADVANCED COLLECTION or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX 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 2015-06-02 00:00:00
Product: Student loan — Non-federal student loan
Issue: Getting a loan — Can't qualify for a loan
Company: SLM CORPORATION
State: GA

Complaint narrative:
As of the end of this summer, I will have been a graduate student at XXXX University in XXXX, Georgia. I have applied for a SallieMae loan most of the semesters that I have been attending there, and every time that I have, SallieMae has approved my loan without any strings attached. But suddenly, and for the first time, they are requiring me to get a cosigner to acquire a loan. There is nothing in my credit history over the last half year that would even suggest that I have suddenly failed to meet the standards required to receive a loan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-25 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: SLM CORPORATION
State: LA

Complaint narrative:
I am a XXXX returning to college. I am waiting to see what my federal loans will be for this semester. My family and I have been harrassed with insessant phone calls by Sallie Mae to begin making monthly payments, starting at {$420.00}. I am employed part-time and can not afford this. When I expressed that I could n't afford monthly payments, they offered defferement for {$100.00}. When the agreed date for the payment passed, they claimed they did not recieve the payment. I now owe {$100.00} plus the $ XXXX monthly payment to be allowed defferment again. I can not afford to pay this. Speaking on the phone again, they threatened to take the loan to their collections agency. They resorted to using scare tactics in telling me they dont know how I 'll get more loans for school once they report me. They expressed they did not care if it threatened my future academic career. They are unwilling to work with me so I can continue my education. The original loan amount from Sallie Mae was XXXX. With interest, it is exceeding XXXX. I need help addressing this debt and with negotiating fair and just payment options with this loan while I have extremely low income.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-31 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: SLM CORPORATION
State: MO

Complaint narrative:
I called Sallie Mae to request forbearance while I change jobs, battle with medical issues and bills, and come up with a plan to repay my loans that will be effective because I am experiencing a current financial hardship. I spoke to a gentlemen who said he could do nothing for me unless I paid {$800.00}, that day and then he would help me. I could not afford to do this, which was the reason for my call in the first place. I eventually spoke to another gentlemen who said he could do a 1 month forbearance for me while I tried to get my feet back under me. Everything went normal and he took my good faith payment of {$150.00}. He told me that I should see the forbearance on my account withing 24 - 48 hours. It has now been 120 hours and no forbearance. In addition, Sallie Mae 's policy is that if you are denied forbearance, they will apply the {$150.00} to the loan. This still has not been done. I have also not received any information regarding if I was accepted or denied for forbearance. Essentially, they have just taken my {$150.00} and done nothing with it.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-23 00:00:00
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Terrill Outsourcing Group
State: WV

Complaint narrative:
This company contacted my daughter who said she was a authorized user on my XXXX account which was in collections.I never made her a authorized user.I called them back and explained to them that I could pay {$10.00} a month as now I am on XXXX because of XXXX.At first he said we could work something out.Then he came back and said that my daughter was legally responsible to pay this debt if I did n't pay them {$3000.00} in a lump sum.I told him I did n't authorize her and she and her husband were going to buy a house and if this showed up on her credit report her husband was going to have a fit.He went on to say that maybe she added herself and was doing things behind my back and that she needed to go and ask her husband for {$3000.00} so it would n't go on her report.I said no way since this is my card and she has nothing to do with it.His manager came on the phone and he tried to get my bank account # and for me to agree to pay {$46.00} a month when I had already told them I could only do $ XXXX.When I started asking him if it was true that my daughter was legally responsible he would beat around the bush.When I told him I was going to contact my lawyer and check into the tactics they were using he then said she probably wasn't.The first employee XXXX was telling me this I guess to scare me into asking them for {$3000.00} when they have nothing to do with this at all.She was n't even XXXX when I opened this account.After I came back on the manager and told him I was going to check into all the lies they were telling me he said I could just mail in $ XXXX.I asked the manager how his employee got my daughter 's phone number he said he did n't know.So I said ask your employee he called her and again he started beating around the bush.How can they harass my daughter over a debt that she had nothing to do with? Can they report to her credit when one of them said she was a authorized user and the other said he did n't know why her name was on there but it was there? Please help.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-20 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: SLM CORPORATION
State: NJ

Complaint narrative:
The lender Sallie Mae stated that they were unable / unwilling to follow my written payment allocation instructions. I used the CFPB guidelines for my instructions found at http XXXX Dear Sallie Mae , Inc. , I am writing to provide you instructions on how to apply payments when I send an amount greater than the minimum amount due. Please apply payments as follows : 1. After applying the minimum amount due for each loan, any additional amount should be applied to the principal of the loan that is accruing the highest interest rate. 
2. If there are multiple loans with the same interest rate, please apply the additional amount to the principal of the loan with the lowest outstanding principal balance. 
3. If any additional amount above the minimum amount due ends up paying off an individual loan, please then apply any remaining part of my payment to the principal of the loan with the next highest interest rate. 
It is possible that I may find an option to refinance my loans to a lower rate with another lender. If this lender or any third party makes payments to my account on my behalf, you should use the instructions outlined above. 

Retain these instructions. Please apply these instructions to all future overpayments. Please confirm that these payments will be processed as specified, or provide an explanation as to why you are unable to follow these instructions.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-08 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Niagara Credit Solutions, Inc
State: MD

Complaint narrative:
Got a collection from XXXX XXXX XXXX in the sum of {$2300.00} for a credit card issued by XXXX Bank, when I call the agency I was told it was for a credit card I opened in 2003 however never owned a credit card from this bank, I was told I also have a judgment against me and I was threatened with court action this is the first time I am even hearing about this debt after 14 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-11 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: Consumer Portfolio Services, Inc.
State: TX

Complaint narrative:
On XX/XX/XXXX. I received a vehicle from XXXX ( I live in XXXX ) that I purchased from XXXX in XXXX. The vehicle arrived without a temporary plate. When I asked the dealership about this, they said the plate blew off in transport. The transport driver stated it did not have a plate when it was picked up. My loan was financed by Consumer Portfolio Services ( they were fined XXXX XX/XX/XXXX by the FTC ). For several months after I received the vehicle, the dealership would not send me the title and registration. XXXX got involved, but apparently the dealer did not own the car when I purchased it and CPS knew this and accepted the loan. On XX/XX/XXXX CPS sent a letter to the dealer that states they failed to perfect the lien within XXXX days and CPS is demanding the return of the monies. The dealer informed me that CPS told him I defaulted on the note which I have not. I missed a car payment and pay extra each month to make up for the payment I missed. Now the dealer is telling me he will be repossessing my vehicle because I am in default but I am not. CPS has colluded with the dealer to commit fraud as they knew the dealer did not own the car when they agreed to accept my loan. Now my car is being repossessed and I have paid my notes. CPS was fined by the FTC for these types of practices and now I am losing all of the money I invested. I have made several attempts to contact CPS regarding this problem but have not been put through to the right manager. I need someone to contact me before I lose my car. Both the dealer ( XXXX XXXX ) and CPS committed fraud. I need someone to contact me immediately so I can determine who is in the right or wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-12 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: SLM CORPORATION
State: DE

Complaint narrative:
When I applied for a Sallie Mae loan I was given three different repayment periods : 10 years, 15 years and 30 years. The repayment period dictated how long I had to repay and in addition affected my interest rate. When I originally applied for my loan, I selected the option for a 30-year repayment term for lower monthly payments, in exchange for a higher interest rate. However once I entered repayment, my interest rate was still for a 30 year loan, but my " estimated payoff date '' is ten years from my " repayment start date ''. As a result, my payments are calculated based on 30-year repayment period interest rates and a 10-year repayment period. There is no way ( to my knowledge, or under my own investigation ) to change my " repayment start date '' nor when I requested a promissory note or reviewing my own documents there was any indication of how long my loan repayment period is. When I asked Customer Service for this information, they could not provide it to me either. So, the basis of my complaint is that my payments are much higher than they should be and that I have paid much more in interest because my payments are calculated using 30-year repayment term interest rates in a 10-year repayment term.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-07 00:00:00
Product: Consumer Loan — Installment loan
Issue: Shopping for a loan or lease — 
Company: U.S. BANCORP
State: AZ

Complaint narrative:
I was solicited by a banker at USBank : XXXX XXXX. He told me that he could refi an existing loan at less than 4 %. I stated that I would only be interested if this was a FIXED RATE LOAN. He said YES. After 4-5 weeks of supplying the necessary paperwork : personal and business tax returns, pers. financial statement, everything necessary to complete a loan .... I was told that I qualified for an ADJUSTABLE RATE LOAN. I reminded the banker that we had originally discussed a FIXED rate loan. 

My complaint : BAIT AND SWITCH 1. the loan was presented as an AR loan with a low 4 % interest rate as a teaser. The banker knew that I was only interested in the Fixed rate loan. 

2. There was improper documentation on the exact interest rate and the type of loan at the beginning. Had this been done ... there would not have been any misunderstandings. 

3. I tried to work it out with the bank, but they seemed intent on giving me the Adjustable Rate loan as opposed to the loan that was originally discussed. 

4. I paid my accountant to produce the various forms. In lieu of the misleading behavior of the banker : XXXX XXXX ... I have asked that the bank refund my acct fees ( {$150.00} ). They have not done this or suggested that they have done anything wrong. 

To summarize : Bank calls me ( I did not call them ) to offer 4 % rate on refinancing an existing loan. I was clear that I was only interested in a FIXED RATE LOAN. Banker says : fine. Banker does not put anything about the loan details in writing. 5 weeks later after all of the paperwork ... I 'm assuming that I will be presented with a Fixed rate loan. This did not happen. 

Bait and Switch. 


Thank you for your help.

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