vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-08-19 00:00:00
Product: Mortgage — Other mortgage
Issue: Settlement process and costs — 
Company: Fay Servicing, LLC
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX lender Fay servicing # XXXX need bank to alleviate the extras fees and expenses that was added for my primary loan for the amount of {$270000.00}. now owing apron {$350000.00} plus {$17000.00} due at the end of XXXX years. Take in consideration this loan had a second mortgage for {$69000.00} that was settle with collection agency. 

Please know that I Purchase property XXXX on XX/XX/XXXX for {$340000.00} XXXX ( second ballon mortgage XXXX ) {$270000.00} ( first ) and {$69000.00} ( second ) I have been trying to be qualify for loan modification since XXXX since that time my primary lender XXXX sold loan to XXXX XXXX XXXX since then I been working with lender for a loan modification ; I Was placed several trials and after handwork and disputing with the bank who took five years to modify my loan I finally got it. In the middle on the XXXX loan to be modify XXXX XXXX XXXX sold the XXXX loan to XXXX mortgage and took long time to finally modify first mortgage. The XXXX mortgage was sold to a collection agency for {$88000.00} approx I thanks XXXX I negotiated and settled the account XXXX Now XXXX added lots junk fees and other fee that not sure where was coming from that make me to dealing with a predator lender bank is adding all the junk fees back to the loan making me owed more that what is the property worth at the current market.. I owed according to XXXX XXXX XXXX approx $ XXXX all modification paper was sent I contacted lender to explain to me in detail where all this extra fees were coming from ; why my loan is more than previous balance when was originated. i understand that was late on my payment but was not my fault when i was paying my trial and bank took long time to finalize the loan modification. Adding too much money for a property is still underwater and now more than previously. I feel that XXXX XXXX is a predator lender and put me in an very bad financial situation. it feels like will never pay this loan its balance will never ended.. Finally I received a letter where XXXX XXXX XXXX sold the loan to Fay financial servicing like it was a brand new loan with a extremely higher amount.. Would like to know if this is not what we call predator lender and why XXXX XXXX XXXX penalized me so hard increment my loan where it would never be paid. An asking the CFPB to please help me to investigate why XXXX XXXX XXXX charged me so much on extra fees making owing more on a property that will never recap its value.. I need to get some reduction on this overcharged /junk fees amount now I have been charge with.. Also my current monthly payment will be increased for the next 4 years to a monthly payment that probably could not afford. 

any help will apreciatethank you

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-23 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Fay Servicing, LLC
State: TN

Complaint narrative:
I 've submitted a request for mortgage modification and current financials to my mortgage company Fay Servicing several times. I have received a property foreclosure sale notice for XX/XX/2017. Faye servicing is currently processing my modification request and they have not postponed the property foreclosure sale. I want to keep my property.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-21 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: American Capital Enterprises, Inc.
State: CA

Complaint narrative:
This DEBT was paid to XXXX XXXX and the collections agency is falsely reporting that the debt is late or outstanding.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-22 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: OH

Complaint narrative:
I have requested my money from HSA Bank ( R ) is a division of Webster Bank, N.A., Member XXXX XXXX and they told me it will take up to 30days for me to get my money. The bank refused to let me speak to anyone else.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-22 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Credit Card Receivables Fund Incorporated
State: GA

Complaint narrative:
I am a victim of identity theft. The information which appears on my credit report is not my debt. I have spent countless hours and dollars seeking a resolve. I have notified the creditor and XXXX of which has failed to remove the accounts. The initial police report was filed in 2007, since that time XXXX more reports have been filed. The person is still using my information, as it related to XXXX of the theft incidents ; XXXX XXXX has made XXXX arrest. The XXXX XXXX Police Department has advised me to contact the social security XXXX, all bureaus, govern entities, and the Consumer Financial Protection Bureau. The items that should be blocked or deleted are :

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-06 00:00:00
Product: Mortgage — VA mortgage
Issue: Settlement process and costs — 
Company: iFreedom Direct Corporation
State: FL

Complaint narrative:
1. The Closing Disclosure is wrong and inaccurate it does not account for the Items pre-paid by this buyer/borrower of which both invoices and canceled checks have evidenced those payments for : WDO inspection, Water Test, Survey & VA Appraisal Made by the buyer/borrower who is an unrepresented XXXX individual. ( as per SSA & VA ). 
2. And the lender appears to not be willing or able to take or accept delivery of and payment of two ( 2 ) advanced payments [ for XX/XX/XXXX & XX/XX/XXXX ] and is inasmuch instructing this borrower to make said payments payable to ( XXXX ) a subsequent [ not yet transferred to ] service entity for the pending ( set to close on XX/XX/XXXX ) mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-05 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Credit Card Receivables Fund Incorporated
State: NY

Complaint narrative:
Dear CFPB Please be advised that I was not served or informed by XXXX about an allege credit card Judgment against me. Also they allegedly sold this judgment to a third party and I was not notified from either party.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-24 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Credit Card Receivables Fund Incorporated
State: NC

Complaint narrative:
this was owed to another company and unifund ccr ppartnerr said the bought the loan its been since XXXX I tried to make a payment but what I was able to pay they refused to accept now they have doubled the amount and twice the interest rate because unifund was after my house that I lost in XXXX do to illness I have XXXX had XXXX I need help in this matter

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-08 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Credit Card Receivables Fund Incorporated
State: TX

Complaint narrative:
This debt is a credit card debt I believe - I never received any verification of debt. The collection company, Unifund, filed for judgment against my homestead property in XXXX. I was going thru a divorce and the death of my brother from XXXX. I just received a copy of a cause filed for notice of substitution of counsel for Unifund - I have not received any certified mail for this information. 
Texas Law under the Texas Property Code, Title 5 A provides protection for a homesteaded property against debtor claims and is exempt from this type of collection. I am requesting immediate removal and release of the current judgement that was filed in XX/XX/XXXX against the property located at XXXX XXXX XXXX, XXXX, Texas XXXX. The county records clearly indicated the homesteaded designation and the attorney for Unifund accessed those records prior to filing in court. I respectfully request immediate release of the judgement by the firm or the substitute attorney or entity who is assuming the cause. Please immediately prepare and execute the document, file it in the court and clerks office with a certified copy sent to me. I am attaching a copy of the voters registration for the property from XX/XX/XXXX thru current copy of the county records showing the Homestead exemption in place. Additionally I am sending a copy of the complaint to the Texas Attorney General Office for records.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-06 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker — 
Company: FIRST CITIZENS BANCSHARES, INC.
State: CA

Complaint narrative:
On XXXX/XXXX/2016 I obtained a Mortgage for the amount of $ XXXX for the building that I perform my business from First Citizens Bank XXXX 
Bank is implementing coercive actions to force me to transfer my business accounts that I have with XXXX to them, although we went through all of my accounts and they can not match the service and the term that I currently have with XXXX, otherwise they will increase my mortgage rate by 3 %!! I keep receiving threatening phone calls and letters from First Citizens Bank. I believe this is an illegal business practice and I am asking you to advise them and make them stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-31 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have been disputing several accounts with Equifax for quite some time. Every time I receive the results by mail, the item comes back as " verified '' with absolutely no proof of verification. No proof of contract or any signed documents at all. In my letters to the CRA I request physical proof of verification, while providing proof of my identity. Not a bill but something with my signature attached. According to section 609 of the FCRA, the credit reporting agencies are REQUIRED to provide proof of verification, proof that the accounts belongs to me. If they are not able to provide this then they SHALL delete the accounts from my credit report. The guidelines provided by FCRA are clear. This shows that Equifax is violating my rights under this law. I sent out two separate letters to Equifax and tracked delivery for confirmation that they received my dispute. Attached Is a blank copy of the letter I sent. 
The disputed items are as follows : - XXXX XXXX opened XX/XX/XXXX - XXXX XXXX XXXX XXXX XXXX opened XX/XX/XXXX - XXXX XXXX XXXX XXXX XXXX opened XX/XX/XXXX - XXXX XXXX XXXX XXXX XXXX opened XX/XX/XXXX Collection account : XXXX XXXX XXXX # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-05 00:00:00
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Moneytree Inc
State: WA

Complaint narrative:
On XX/XX/XXXX I applied for and granted a {$150.00} loan from Moneytree, inc, XXXX , Washington , with a repayment of {$170.00}. The funds were picked up on XX/XX/XXXX, and had a payback date of XX/XX/XXXX. On XX/XX/XXXX my Husband made an on line payment to my account of {$170.00}. On XX/XX/XXXX a payment of {$170.00} was made from our checking account, XXXX XXXX XXXX XXXX XXXX to Moneytree, inc to repay the loan in full. The money was " NOT '' returned, our account only shows a withdrawal from our account by Moneytree, inc. On XXXX/XXXX/XXXX Moneytree took the payment again from my checking account making a total payment of {$340.00} for a {$150.00} loan. Repeated contact with Moneytree, inc via email, FAX, and a visit to the local Moneytree location in XXXX has resulted in receiving no help. I have received an email from Moneytree, inc stating that " maybe '' the money was credited to another account. Since Moneytree can not tell me where the extra money went I am filling a complaint with the Consumer Financial Protection Bureau, and the Federal Trade Commission in a effort to resolve this issue. I can provide copies of my bank statements showing the XXXX withdrawals for {$170.00}. This makes a total payment of {$340.00} for a {$150.00} loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Performant Financial Corporation
State: VA

Complaint narrative:
XXXX each quarter tried to take away my funds. They reduced my grades, they never paid my balance from XXXX and approved me for XXXX. I never received XXXX degree after completing courses. They said I owed a balance ... have XXXX loans all federal in default. 

I only have letter stating I met the requirements for a degree. This has hurt my employment. 
I feel scammed by this university.. :

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 2016-09-21 00:00:00
Product: Debt collection — Medical
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Merchants' Credit Guide Company
State: IL

Complaint narrative:
I was injured at work I have a XXXX Representative my case number is XXXX My case worker is XXXX XXXX the claims department number XXXX. I contacted this collection agency to let them know that I provided all my insurance at the time of services they refuse to take it I 'm insured by XXXX XXXX XXXX XXXX. I 'm constantly getting these harassing letters and no proof of the debt. I contacted them and they sent me a letter stating that if I do n't get the proof in 30 days from XX/XX/2016 Everything will cease and be removed it 's XX/XX/2016 no correspondence yet and this still remains on my credit bureaus XXXX of my credit bureaus

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-29 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: MD

Complaint narrative:
My daughter received a loan from Sallie Mae for tuition this semester, and I co-signed. To keep the budget manageable for her, I 'm making the monthly payments while she is in school. 

When I got the first bill I signed up for auto debit ( i.e., Direct Payment via ACH ). They provide a .25 % discount on the loan rate. I provided RT/DDA etc, and was n't paying much attention on the amount. The first payment is due XXXX XXXX, so I just checked again, and I 'm signed up to pay the minimum, so thought I 'd call them to see how I could bump that up a bit on a recurring basis each month to shorten the loan repayment period ( there was no info on their website about how to do this ). 

But Sallie Mae does n't allow it!!! Sallie Mae only accepts the minimum payment when the borrower signs up for auto debit. This binds the borrower to a longer loan repayment period - and earns more interest $ $ for Sallie Mae. When I called, they confirmed that the system only allows the minimum payment for auto debit, and that to pay more you have to send a check or make an additional payment via online banking, which is not customer friendly - and less convenient as it adds another step. 

This smacks of corporate shenenagans - offering a .25 % discount for auto debit, but then only allowing minimum payments for the benefit of Sallie Mae. I mean, think of all the poor graduates who want to use the convenience of ACH debit to manage their expenses, and now they get locked into paying more interest because the life of the loan gets extended.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-15 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Consumer Portfolio Services, Inc.
State: NC

Complaint narrative:
I am receiving 2-3 call a day from various numbers but they will only leave one message. I am receiving calls as early as XXXX estate on Saturdays and Sundays. They call a friend and my son repeatedly throughout the day and gave them information about my payment being late and the amount due. I spoke with the customer rep and requested that they not call my job and they continued. I saw the number on caller ID and answered and requested for the number to be removed. I am no longer with the company and I was informed by a former colleagues they are still calling. I know I am delinquent but it appears that the interest has immensely increased.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-25 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: NJ

Complaint narrative:
My student loan is with Sallie Mae. I have made several payments on this private loan. But, recently I have not been able to make payments due to unemployment and family changes. Now, Sallie Mae is harrasing mu family memebers, immediate and other relatives. It is a total disaster. My federal loan is under forebearance because I will go XXXX in XXXX 2016. But Sallie Mae, will not negotiate for such terms. I have written to them, called them, no success. I would appreciate any input and help. Thanks.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-01 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: WI

Complaint narrative:
I had a small Sallie Mae loan to finish my XXXX XX/XX/XXXX. I found myself filing bankruptcy in XX/XX/XXXX but continued to make my student loan payment even though I am a full time XXXX. XX/XX/XXXX I received a payment receipt for my payment to Sallie Mae. XX/XX/XXXX I also received a notice from Sallie Mae stating they have " charged off '' my account. I called on XX/XX/XXXX to inquire because I was confused. I was told that no other payments would be received on this account as of XX/XX/XXXX and they were sending back my XX/XX/XXXX payment and cancelling my recurring payment plan. I received a refund check in XX/XX/XXXX and confirmed no other payments were being sent to Sallie Mae. I am now being bullied and harassed about my overdue account. I have the letter from Sallie Mae, the receipt for payment XX/XX/XXXX and my credit report showing I was current until they sent back my XX/XX/XXXX payment. In addition to the harassment and bullying they are trying to impose excessive fees and penalties for non payment in XX/XX/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 2015-04-20 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: CA

Complaint narrative:
My daughter and I requested the information from the XXXX private lenders to pay college tuition. XXXX Loans gave as the best rates and we decided to proceed with XXXX. We never agreed to get any money form the XXXX.How big was our surprise after I received a negative statement form the University. XXXX student loan sent money to the college without my or my daughter approval and started to collect their fees!!! We demanded to return full amount back to XXXX but now XXXX sold almost {$100.00} " debt '' to the collection agency. Please advise.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: Account Control Technology, Inc.
State: VA

Complaint narrative:
ACT or Account Control Technology, keeps harassing me at my job. I have told them to stop calling me at work, but they call several times. If anyone answers the phone they ask them a XXXX questions about me. Then they badger whoever answers accusing them of being me.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-06-15 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Merchants Acceptance Corp
State: CA

Complaint narrative:
On XXXX/XXXX/13 a sales rep from XXXX XXXX XXXX came to my door to sell me a vacuum. He was very pushy and persistent, after expressing a number of times I really was interested and his still relentless push for me to just try the vacuum he had, to get him to leave I agreed to give the vacuum a try. I was told that if I did n't want it within XXXX days that all I had to do was call the sales rep and he would come back and get it with no obligation. I called the very next day and told him to please come get the vacuum, he said he would be over, but never showed up. My daughter and I called repeatedly in the next few days to ask the sales rep to come get the vacuum and he never did. Now XXXX years later this debt is showing on my credit and I never intended to keep the vacuum. I believe this sales rep preyed on older adults and used aggressive tactics to get clients to just take the vacuum so that once they did so he would then leave with never having the intent to come pick the unit up ever again and sticking people with an un wanted bill.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation