vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-09-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONSTAR MORTGAGE LLC
State: CA

Complaint narrative:
The Mortgage Company was formerley Nationstar, now renamed Mr Cooper. 
In XX/XX/XXXX I was advised by a representative of Nationstar that they were able to apply money from a suspense account to a repayment plan I was on. 

Later i was informed that was an error by their employee, the repayment plan had failed and I now owed two months mortgage again. 
Beyond that it has just been a financial nightmare. 

I sent correspondence, never got a reply ... ..and have since that time made numerous phonecalls to find out why I am liable for their error. 

The late charges have been mounting and completely destroyed my credit, along with posting a former loan modification on my report. 

I cant catch up and no other lenders will touch me because of my credit now. 

I have attempted three further modifications with my current lender, in an effort to remain in my home ... ..simply because i felt I had no other options left, and because the monthly payment recently increased and I have so many late fees now. All have been denied. 

I can show a good payment history as far back as XXXX. 

I now believe this company is very much in error, and am afraid they will cost me my home. They have certainly already destroyed my credit, and left me with no other way forward but to lodge a complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-29 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: CA

Complaint narrative:
Upon graduating from XXXX XXXX School in XX/XX/XXXX, I was repeatedly harassed by Sallie Mae ( now Navient ) regarding repaying my loans. At the time I was still trying to study for and pass the California XXXX XXXX and was unable to find a job. 

On XX/XX/XXXX they Capitalized Interest in the amount of {$5200.00}.

On XX/XX/XXXX they Capitalized Interest in the amount of {$390.00}.

On XX/XX/XXXX they Capitalized Interest in the amount of {$100.00}.

On XX/XX/XXXX they Capitalized Interest in the amount of {$38.00}.

On XX/XX/XXXX they Capitalized Interest in the amount of {$37000.00}. 

During the times listed above, I was actively seeking employment as an attorney and had no income. Sallie Mae/Navient placed me into forbearance and harassed me with telephone calls regarding repaying my loan. I was scared, intimidated, and discouraged. 

I had no idea that income-based repayment plans were available. Had I known, I would have immediately entered one upon graduating. But that was n't the case. 

Luckily, I heard about income-based repayment plans on my own and hired an attorney to help me navigate the system and enroll in one. This was in the late Summer/Fall of XX/XX/XXXX. I had gotten a job in the meantime as well. 

Furthermore, on XX/XX/XXXX they Capitalized Interest in the amount of {$25000.00}. I had already submitted my IBR renewal and they confirmed they received it and it would be processed on time. 

Sallie Mae/Navient used a preposterous amount of phone calls to continually pressure me into repaying my loan without an income, placed me into forbearance without giving me the option of joining an income-based repayment plan, and capitalized interest on my loan several times for no reason. 

My XXXX school ( XXXX XXXX School ) will be closing soon and they are just as much to blame as Sallie Mae/Navient for the nearly {$300000.00} student debt I am in. XXXX XXXX School lied to me about their bar passage rates ( I did not pass the first time and had to re-take the XXXX XXXX 2 days before my wedding ), job placement rates ( it took me 2 years after graduating / 1 year after passing the XXXX XXXX to secure employment as an attorney ), and they lied about average starting salaries for XXXX XXXX School alumni ( they claimed a number near/around $ 70,000- {$80000.00} per year, my first job I was offered {$58000.00} per year ). 

It is no surprise that XXXX XXXX School is now closing down due to poor student performance. Their entire institution has done nothing but lied to me about my prospects as an attorney - FOOLING ME into taking a 6-figure student loan to pay for their OVER-PRICED tuition.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Continental Finance Company, LLC
State: TX

Complaint narrative:
I had taken a credit card from Continental Finance worth about {$300.00} back in 2013. Once i read the fine print about the credit card, i called in to close it and pay off the balance of {$250.00} the rep told me " No '' and that he could not do that. Later the card went into collection and now here it is 4 years later and a law firm called me threaten to sue me for over {$4000.00} for this card that was worth {$300.00}. they called my job and told me they sent correspondence to an address i no longer live! they told me they were go to subpoena me and take me to court to garnish my wages. they called my job. i have no idea how they got this number but this should be against the law to take advantage of a person. Not only that, they have this on my credit report twice as if i had two cards with them and i never did. its fraud in my eyes and i want both of them removed

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 2017-09-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Tried contacting the credit collection agency, they never responded. I tried contacting XXXX and Equifax and they still will not correct this error on my credit reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Tried contacting the credit collection agency, they never responded. I tried contacting Experian and XXXX and they still will not correct this error on my credit reports.

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 non-monetary relief
Consumer complaint received 2017-09-29 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Malcolm S. Gerald and Associates, Inc.
State: CO

Complaint narrative:
I have not been notified properly via certified mail and am willing to pay the full amount today but would like for the account to be deleted off of my credit report due to the fact I would like to have a clean slate with the university.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: OR

Complaint narrative:
I applied for and got a credit freeze from Equifax. I need to lift it temporarily. But their website says that I have no record with them, yet it also says that I have a freeze in place. I tried calling several " customer service '' numbers but they are all just phone trees or endless waits on hold. There 's no online help because they say that I have no account there. 
Combine that with dead ends on their site such as this one after I try to recover my account : " We apologize for the inconvenience however the system is unable to complete your request. Please contact Customer Care at XXXX ( XXXX ), 7 days a week between the hours of XXXX XXXX XXXX Eastern Time Zone for assistance '' I promise that that number is just another dead end. 
My wife has a separate freeze and she gets the same dead-ends and no help. 
This company needs to be shut down and the executives fined and jailed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XX/XX/XXXX I went to www.equifaxsecurity2017.com website due to the breach. After putting my last 6 digits of SS # and last name Equifax confirmed that I have been breached and the next step was I am to get a email notification to get " TrustID Premier Identity theft protection. 
XX/XX/XXXX, I received my email notification and to click on the link https : //trusteidpremier ... ... and to follow the steps. The link was spinning it appears for 10 minutes and then finally gave up. I tried again and Equifax said that I already attempted and appears I am in system. I DO N'T have any idea what that means. 
XX/XX/XXXX at XXXX I call Equifax at XXXX CA time. Spoke with XXXX and he was completed disrespectful and yawning and even sneezed but did say excuse me. Nonetheless, XXXX after verifying my information and saying my SS # out loud which I believe no one should ever repeat you SS #. They should ask you to say it again yourself. XXXX said I will be getting another email notification and should work then. 
XX/XX/XXXX the new email notification arrived and I clicked on the link and the website said " Temporary out of Service ''. 

I am asking for your help and have Equifax be totally accountable for there lack of security an thus was hacked.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: AES/PHEAA
State: NC

Complaint narrative:
I originally filed a complaint with CFPB on or around XX/XX/XXXX about my problems with XXXX  processing my IDR request in a timely manner and providing me with a new payment plan. My qualifying payments under the PSLF program expired in XX/XX/XXXX and since XX/XX/XXXX, I have been placing my monthly payments on forbearance while I wait for my annual renewal to be approved. I have a long history of communication with XXXX about the status of this request. On XX/XX/XXXX, I received my bill for {$5.00} that would enable a new payment amount to be determined. I submitted this payment and XXXX confirmed it was received on XX/XX/XXXX. I spoke with XXXX ( employee ID : XXXX ) on XX/XX/XXXX requesting a status update on when a new payment amount would be determined. She informed me should would expedite the request and I should have a new payment amount determined by this Friday, XX/XX/XXXX. Unfortunately, today on XX/XX/XXXX I received an email telling my that they could not process my IDR request. I called and spoke with XXXX ( employee ID : XXXX ) who informed me it looks like this was made in error and she would forward the request to have someone look at it earlier next week. It has been 6 months since I have submitted my renewal IDR information to XXXX. At the rate with which they are processing this request, and have made other errors in past years in regards to ensuring I am making eligible payments towards PSLF, it will take me 20 years to make 120 eligible payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: TD BANK US HOLDING COMPANY
State: SC

Complaint narrative:
I wanted to lease a safety deposit box with TD Bank. They forced me to open a checking account to do this. I did in XXXX XXXX and deposited {$210.00} into the account. An {$80.00} charge was taken out to pay for the safety deposit box. The balance should have been {$130.00}. As long as the account balance stayed above {$100.00} I was told I would not incur any fees. In XXXX XXXX an electronic transfer for {$66.00} was done against my account. I did not perform this action, but someone else must have hacked their system. I was unaware of this because I turned off paper statements because they were charging me a fee for that. Since I had no intentions of using the account, I had no reason to check online statements as my balance should have stayed the same. Once the {$66.00} transfer was done, the balance fell below {$100.00} and TD Bank took out $ XXXX in fees. Again, I was unaware of this because I was n't checking online statements. Today, XXXX/XXXX/XXXX, I received a letter in the mail that my balance fell below {$0.00} and I should correct it at once. This was the first time I became aware of any activity on the account. Once I found out, I called the local branch. An unhelpful lady without compassion told me about the {$66.00} withdrawal and the subsequent fees. She told me to come by in-person. Once onsite, I was told there was nothing that could be done since the hack occurred more than 60 days ago - not sure why I was forced to be in person to be told they could n't do anything. She also implied it was my own fault since I was n't checking the monthly statements. The Cust Service I received at TD Bank was horrendous. My money was withdrawn behind my back and I 'm told it was my own fault. I thought the bank was there to protect my money, not steal it???

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-09-29 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: SC

Complaint narrative:
Equifax is inaccurately reporting my student loan accounts as credit cards. XXXX is not reporting my student loans as credit cards. They are reporting as installment loans, because this is what they are. XXXX is also reporting my student loans correctly, and Equifax is not in compliance with the FCRA. If it is inaccurate information, it must be corrected or DELETED. My student loans should be reported as installment loans because that IS what they are. It is affecting me buying a home and I will take this further until it is corrected. 

Account number XXXX XXXX XXXX/XXXX XXXX All 16 accounts reporting as credit cards need to be corrected to installment loans. How are student loans credit cards??????? I do n't care what the student loan company reports, this is not a credit card, so it is INCORRECT and must be removed or corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Premier Student Loan Center
State: TX

Complaint narrative:
This all started XXXX/XXXX I signed up with Premier Student Loans because they said they could get me signed up on the new Obama Plan, This plan was suppose t reduce my student loans from {$44000.00} to {$8000.00} if I paid 240 payments. I had to pay the first three months {$300.00} and the remaining months would be {$30.00} per month. 
I became aware of this XX/XX/XXXX when I received a call from XXXX stating I have n't paid them since XXXX/XXXX. They said I made a {$300.00} payment to them which I do n't remember paying so that must have been Premier paying on my behalf for that one time. 
I checked my credit report last month and discovered I still owe {$44000.00}. I received a call from Premier asking for me to provided income information and I did n't feel comfortable with it. So, I went on line and sent my income information to XXXX because they were the original loan company thinking that Premier would get the information. Premier then advised that they are a third party and not affiliated with XXXX. At this time I decided I wanted to cancel their services and stay with the known company of XXXX. Premier began to give me the run arounds. They would not give me an email confirmation of my cancellation. They just told me the check for {$330.00} will be sent to me, They did not verify that they will cancel the automatic charges of {$30.00} that they deduct from by debit card monthly. The number I call to reach the is XXXX and the case manager is XXXX. He 's extremely rude and arrogant. I have also spoken to a guy there name XXXX and neither one would provide me ID # 's or some form of cancellation receipt. They laugh in my face as though they have all the power. I just want them to cancel my service and refund my money. The main number to Premier is XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-09-29 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Cashing a check
Company: SUNTRUST BANKS, INC.
State: GA

Complaint narrative:
XXXX XXXX has stated that I received refund/stipend checks in excess of $ 49K in addition to the cost of attendance, which also include refund checks in that amount. I do n't feel this is correct and I need assistance with obtaining all checks I cashed from XXXX XXXX during XXXX-XXXX. 

I do not have an account with Suntrust. I cashed the checks from XXXX XXXX because this was the name on the refund checks they mailed to me.

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 2017-09-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I 've contacted XXXX & Transunion on several occasions regarding a bankruptcy that appears on my credit file that is not mine. I have literally called them hundreds of times, also spoken with supervisor after supervisor. I 'm not getting anywhere with this company. They continue to report an inaccurate bankruptcy XXXX, even after the new law in XXXX XXXX came into effect. This should not be on my credit report at all. I 've also explained to them that somewhere there was an error in reporting. XXXX has already deleted the bankruptcy as they verified that it in fact, DID NOT BELONG TO ME! I 've wrote XXXX & Transunion asking them to remove this unverified information from my credit report and follow suit. Still they refuse and state it 's been verified? Who verified this bankruptcy? What method was used to verify this bankruptcy? I 've contacted XXXX XXXX and I 've given them my social security number, they stated they do n't have any inquiries from XXXX or Transunion even checking to see if this information is correct. I 've also contacted the US Bankruptcy court, and they 've also told me they have no information associated with my name and ssn. Please make Transunion and XXXX  stop victimizing me by taking advantage of their consumers with their higher power. This is creating a hardship for me, as well as defamation to my character.

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 2017-09-29 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: U.S. BANCORP
State: CA

Complaint narrative:
Applied for a HELOC on XXXX with a complete application including P & L, tax returns both business and personal for XXXX, proof of homeowners insurance. Was advised on XXXX that a drive by appraisal rendered a low value of $ 550k and the loan was not able to be approved due to insufficient collateral. Placed a complaint with US Bank and another agency requesting a complete walk thru appraisal. Walk thru appraisal was performed on XXXX. We are XXXX XXXX  contractors with XXXX XXXX routes and receive a weekly salary and weekly compensation from the corporation on the route, in addition to a monthly bonus. This was explained in great detail to the individuals who took the application. No questions were asked for clarification of the income until XXXX when I followed up for status on the appraised value. I assumed that the income was satisfactory since no other communication was received from the back that it was not. Only that the collateral was insufficient. I was advised XXXX that the loan was denied due to insufficient income/excessive ratios on XXXX! I was advised on XXXX that my walk thru appraisal came in at a value of $ 590K and that the income that was used to qualify me for this loan was my XXXX AGI from my 1040 's. This does n't make any sense to use income from last year when I provided YTD income. At the least an average of previous income and past income could be averaged to get a conservative figure to use for qualification purposes. For example use a 8 month average from the w/2 and P & L income with the 12 month AGi figure for the XXXX 1040 's for a 20 month average or just use current YTD P & L income along with paystub income for a 8 month average. 
My weekly salary is {$500.00} with a weekly pay from the corporation of $ 2400XXXX {$2600.00}. Us Bank used a figure of $ 6000 monthly for qualification purposes. I also receive a monthly bonus of $ 3000.I was denied and dont believe it was justified.

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 2017-09-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
I cancelled my American Express Card ( account XXXX ) but the company refused the credit the annual fee back, hence I could not close the account. Every month, for the last XXXX months, I am charged a late fee of {$35.00}, which has increased the outstanding on the card to {$160.00} ( annual fee plus month charges ). I called up XXXX multiple times, but they have refused to credit back the monthly and annual fees. Since the payment is outstanding for XXXX month, they will be sending it for collection.

Company response to consumer: Closed with monetary relief