vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-06-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: GA

Complaint narrative:
We spoke with Pennymac about mortgage rates and got a quote that sounded better than the one we had and were working on ( in the application process ). <P/>The first thing the guy wanted was our credit card for the appraisal. We did n't even have an application or Loan Estimate from them. But he said this was required before other steps could proceed. We gave him our credit card info. <P/>It was days before we got any other information from him, and we decided not to go with him because we had an uncomfortable feeling dealing with him. The Good Faith Estimate had fees that had jumped way above what he had quoted us. When we next spoke to him, he did n't speak in specifics but more in vague generalities and this put us off. On the evening of XX/XX/XXXX, our real estate agent emailed us saying he was unaware that we had swapped lenders. We told him that we did not change our lender. Although the Pennymac guy had sent us links to his application but we did n't sign it. Because of our deep discomfort with this guy, we did not commit to using Pennymac. A few days later, he called to ask what was up. We told him that we were going with another lender. At the end of this conversation, he said something about our calling to stop the appraisal - or something like this. The gist was that we had to do something in order to stop an expense to us. My wife 's recollection is that he had said that he would pull it, or void it or cancel it. Before I could ask more about it, he ended the call. <P/>On XXXX XXXX, 2017, we got an email referring us to a website from which we could download the " Property Valuation ''. This was a big surprise. The next morning, I checked the credit card and saw the Reservation of {$450.00} made on XX/XX/XXXX, but had not been " collected ''. We did not follow the link to the website to the point of accessing the " Property Valuation '', as this might have " accepted '' the service that we had n't pursued. <P/>My wife is very upset about this transaction. She ca n't understand how a bank would proceed with charging us for an expense without a signed application. She is only grateful that we backed out of dealing with this guy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-16 00:00:00
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Medical Recovery Services, LLC
State: CA

Complaint narrative:
Medical recovery services. The first time they called about 3weeks ago at my work place which the man on the other line would not identify himself to my staff who answered the call and just said it is a personal call then when I answered the call the man would not identify himself except that he is from Medical recovery services but continue to ask me to verify my personal information such as bday, social security number which I told him that I will not verify anything until he tellls me what the call is about and his name and id # and to stop calling me at work so he hung up Then another call yesterday X/XX/17 in the XXXX around between XXXX. They called my office again and ask for me and this time they tiold my staff it is from medical recovery services but when my staff announced the call to me, the caller hung up. So i then XXXX the company that is when I learned they a debt collector. <P/>I feel my privacy had been violated when they identified themselves to my staff and did not stop when asked the first time to stop calling me at work.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-16 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Navient Solutions, LLC.
State: GA

Complaint narrative:
Navient finances  my Signature Loan which h as interest rates at 10 % ; the interest rates are variable and the rate is set by the lender. I spoke with a Navient representative some time ago to see how I could get an interest rate reduction, and I was told to enroll in the automatic payment program for a slight reduction in the interest rates. I 've always monitored my interest rates and while they are variable, they have always been constant at 10 %. I enrolled in the automatic payment program for the reduction after enrolling in the program for the first time over the life of this loan, the interest rose just enough to put my rates back at 10 %. I calle d Navient to req uest its interests rates for this term and the last term and I have not received that yet. I 'm concerned that my interest rates increased to keep my rate at 10 % and Navient therefore lied to me about the incentives of its program.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC.
State: MO

Complaint narrative:
I have paid my loans by sending in checks. These have been cashed by  Navient  and cleared my bank account. However, Navient never actually applied them to my account, thus making my account past due for months. I finally checked my old student email to find these notifications from them. I called and spoke with  two  different people. They said they could help, tried making me go into forebearance ; but that is not what needed to happen : they needed to reconcile my account with the funds I had paid.   I reiterated that multiple times, sent them my bank account print out via postal mail ( they would not accept electronic ), and they STILL put me into forebearanxe WITHOUT MY REQUEST.   I have paid my bills, and yet they reported me past due on my credit. This is unprofessional and unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-16 00:00:00
Product: Debt collection — Private student loan debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Nathan & Nathan, P.C.
State: GA

Complaint narrative:
Last year Nathan and Nathan filed a lawsuit against me for loans that I had cosigned for my nephew. They indicated since he lives in NY they have to sue me and ca n't sue him. We made a payment arrangement of {$200.00} a month. They stopped taking the money at the beginning of the year do n't know why but I got a notice Monday X/XX/17 that they had filed a garnishment claim against me for 25 % of my pay. I wasnt given any notice and took 25 % of my check that I received yesterday. I cant afford that much money to come out of my check I live paycheck to paycheck and will be bankrupt in a month. My nephew understands that he messed up earlier with these loans and wants to do the right thing but these tactics are unreasonable and threatening.

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 2017-06-16 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: BARCLAYS BANK DELAWARE
State: OK

Complaint narrative:
I paid a bill online and inadvertently sent a payment to my Williams-Sonoma Visa card instead of my Rapid Rewards Visa. I had charges for a four person trip to XXXX in my Rapids Rewards Visa and intended to send {$12000.00} to my XXXX XXXX Rapid Rewards Card. I received an e-mail from Williams-Sonoma Visa on XXXX XXXX to acknowledge my payment. I notified them immediately and it was agreed I now had a XXXX credit balance. I have called several times and have been told that the money was not actually in the W-S account because it takes a long time to clear the bank. It is now XXXX XXXX. I need this money to pay the account I actually owe. I feel W-S is keeping my money as long as they possibly can when I do not owe them any money.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-16 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: TekCollect Inc.
State: FL

Complaint narrative:
received a call from an unidentified collector, she askd my name, and addy, I adv her was me but diff address, asked her if she can see the notes, she aske dme if I was gon na pay my debt, I asked her to give me the mini Miranda, and let me know the call is recorded, she responded that she does n't have to give tome because I interrupted her, I asked for a manager I got XXXX XXXX he aske dme for last 4 of ssi, dob and addy, 1st and last name then mini Miranda, he did it correct, I explaine dot him what happened his tone was not very pleasant, mad eme feel as if I was wrong somehow for wanting my rights as a consumer, he gave me the addy and phone # but said he does n't know the lady name who broke the fdcpa, I asked fo rmy loan to be forgivin in exchange for the breach of my privacy and rights he chuckled and sd he will let someone know, this is my 3rd time speak with thme last 2 times I asked for a vod and disputed till I got proof never got it.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
We opened a Chase/XXXX credit card on X/XX/17 after receiving multiple email offers and promotions and a mailer Offering XXXX miles to open the credit card and XXXX additional miles to add a second person on the card and spend {$3000.00} within the first three months. We complied with these requirements within the first month. We were told multiple times by mail, fax and on the phone that we are only available to get XXXX miles. We are still getting email offers for XXXX miles. This looks like an obvious bait and switch.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-16 00:00:00
Product: Debt collection — Private student loan debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
Last year  XXXX   XXXX   XXXX  filed a lawsuit against me for loans that I had cosigned for my nephew. They indicated since he lives in NY they have to sue me and ca n't sue him. We made a payment arrangement of {$200.00} a month. They stopped taking the money at the beginning of the year do n't know why but I got a notice Monday  XXXX / XXXX / 17  that they had filed a garnishment claim against me for 25 % of my pay. I wasnt given any notice and took 25 % of my check that I received yesterday. I cant afford that much money to come out of my check I live paycheck to paycheck and will be bankrupt in a month. My nephew understands that he messed up earlier with these loans and wants to do the right thing but these tactics are unreasonable and threatening.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-16 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: PNC Bank N.A.
State: OH

Complaint narrative:
My bank takes forever to send info I want them so send info faster

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: FIRST MIDWEST BANCORP, INC.
State: IL

Complaint narrative:
My bank  First Midwest  takes too long to update my transactions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: VA

Complaint narrative:
I have been attempting to get my home sold on a short sale for 21 months. I keep submitting complains and they respond but it is not resulting in an approval letter for any of the short sale offers being Approved. The latest issue is the bank did a BPO about 2 months ago and it came back at XXXX and we had a short sale offer for XXXX and the bank rejected the offer saying they want a counter offer. How can you reject an offer on market value and you are the one that determined the market value? This is outrageous! The other issue is that it take almost 3 or 4 weeks to get an approval or rejection letter. We have already lost one buyer because the approval process takes so long. We just submitted it again today ( X/XX/2017 ) telling them that the buyer is not going to pay over market value for this property.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
Started many programs with Navient to which each year something changes. This time was n't aware the income based repayment program had to be renewed each year. Now they 're telling me that I have to add {$420.00} dollars in interest more to my loan in order to forbearance or it takes 15 days for them to renew my terms. I 'm not trying to keep sending my information every year, I 'm frustrated and want to hurry up pay off my loan. I 'm tired of paying fees and paying for these loans and they are not going anywhere, just seems like they are adding up.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-16 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: KEYCORP
State: NY

Complaint narrative:
They have been told repeatedly to stop contacting my place of employment, my employer has even told them that I am not permitted personal calls at work - they wo n't stop calling

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I received a letter from stern recovery on  XXXX  saying the three accounts i have with them will be removed. They stated they would send it to the credit bureau at the end of the month. It is now  XXXX   XXXX  and they are still on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
I made a payment on XXXX XXXX of XXXX to chase XXXX XXXX XXXX I was reported late XXXX XXXX I immediately made a payment once I realized I was reported late. I have never been late before this seems like a fraudulent late charge and negative reporting to my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-16 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CREDIGY USA CORP.
State: TX

Complaint narrative:
I am attempting to close out the estate of my deceased father. He had  XXXX  judgements placed against him. I   am trying to pay them in their full amount through the sale of his house. However, one of the companies, Main Street Acquisitions, refuses to provide the title company with a pay-off amount. This is resulting in the inability to close the sale and the inability to close out the estate.
<P/>
I, and the representative from the title company have been trying to get an answer from Main Street and are facing a stone wall and feel like the sale of the house is being held hostage to their ineptitude. When we call Main Street we are told that they are trying to place the debt with a servicer and that they have escalated with their dispute resolution department. We are not trying to dispute the judgement or the amount of the judgement. We are merely trying to pay it, but they will not allow us to.
<P/>
The result of their unwillingness to provide the pay-off is that now my house buyer is wanting to charge me {$370.00} per day ( including weekends ) since this has caused us to miss the contractual closing date and if we can not resolve this with Main Street, I will lose the sale of the house in 14 days.
<P/>  I expect that this will absolutely cost us this sale and do not see why future attempts to sell the house would ever lead to a different result which means i ca n't sell it and ca n't close out the estate.  <P/> I am merely trying to honor the financial obligations that my father created. I am not trying to negotiate the amount of the judgement at all. I am begging them to just take the money that is owed and let us proceed with the sale. They do not appear to be interested in doing this. Due to real estate market timing, I do n't believe that subsequent offers will be as high as the one I am desperately trying to close right now. Their actions very like are now causing financial damages to the estate.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-16 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: VA

Complaint narrative:
I had a plan to pay my loans every month for a certain amount, I 've done that. I always make my payments and yet they tell me I 'm late charge late fees call Day and night call family that does n't even have their names on the loans. They harass me all the time, they text me with fake information to try to get me to call them they call from random numbers with lies about things to trick me into call them. I had an agreement with the company from the start I have proof to show this agreement. I 've called them I 've emailed them, at first they acknowledged this and they stopped then they started all over again. My payments are n't even being applied to my loans I just get charged late fees every month even though I am paying every month. This company is stealing from me and other people and they do whatever they can to get money.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NH

Complaint narrative:
Since  XXXX   XXXX ,   XXXX  , everyday at  XXXX ,  XXXX  and  XXXX  Capital One calls me and it 's not a live agent it 's a machine. I do n't mind the  one  call a day but two is excessive and  3  is annoying! I get it, I owe you money but  3  voicemails that are 18 seconds long with a recording is too much.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-16 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: PA

Complaint narrative:
On  XXXX / XXXX /  XXXX   I made a payment toward my government loan account of {$40.00}. I added my checking account on the Navient site to make it easier to pay the government loans. I also have  2  private loans with  Navient  that have defaulted, Im working to get them settled with an outside agency. However on  XXXX / XXXX /  XXXX   the private sector decided to withdrawal {$16000.00} from my checking account ( of course I do n't have that amount in there  ) a nd I 'm currently overdrawn at my bank over {$15000.00}! I called Navient to get this resolved and I get NOTHING. I have to report this as fraud to my bank because it was NEVER authorized

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-16 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: Mercedes Benz Financial Services
State: FL

Complaint narrative:
the lease car  E350 2012 Mercedes Benz  was returned on time after lease was over want me to pay the balance. I want to returned the car not to refinanced or pay off.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: UT

Complaint narrative:
OUR MORGAGE WAS SOLD TO DITECH AND SINCE WE HAVE HAD NOTHING BUT ISSUES. WE CONTINUALLY HAVE TO CALL THEM ABOUT OUR ESCROW ACCOUNT THAT WE NEVER HAVE SET UP. WE PAY OUR OWN TAXES AND INSURANCE. WE WILL MAKE THE REGULAR PAYMENY  ONE  MONTH AND THE NEXT IT HAS JUMPED TO OVER 300 $ MORE. THEY SAY ITS A INCREASE ON OUR ESCROW. WE HAVE SENT PROOF TO THIS COMPANY TWICE WITH A STATEMANT FROM OUR INSURANCE AGENT. THAT RESULTED IN THEM PAYING OUR INSURANCE. OUR INSURANCE AGENT CONTACTED DITECH ON THE MISTAKE AND SENT PROOF AGAIN OF PERSONAL PAYMENT. OUR INSURANCE COMPANY SENT THE PAYMENT BACK. THE MONTH OF  XXXX  WAS CORRECT BUT THE MONTH OF  XXXX  AND  XXXX  IS NOT. THIS IS AFFECTING OUR CREDIT. WE ARE TRYING TO GET OUT OF THIS LOAN WITH THIS COMPANY AND OUR PAYMENT HISTORY WITH DITECH IS THE REASON WE CAN NOT. I WILL NOT PAY THEM MONEY I DO NOT OWE JUST TO SAVE MY CREDIT. THEY ARE AT FAULT AND IM NOT SO SURE THEY WILL REFUND ME IF I DO OVER  PAY.THIS  PROBLEM HAS BEEN GOING ON SINCE  XXXX    XXXX  . THEY FIX IT AND IT REVERTS BACK AND WE HAVE TO FIGHT THEM TO CHANGE IT.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-16 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Sentry Credit, Inc.
State: WA

Complaint narrative:
I have been receiving calls from collection agency regarding an ambulance bill from XXXX WA Fire Dept. I have repeatedly asked them to not call my work phone. I have repeatedly requested that they mail a letter showing the original service date ( s ) and they have mailed anything.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-16 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Wells Fargo is not sending my information to the company XXXX XXXX for me to use in a timely manner.

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