vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-03-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: FL

Complaint narrative:
For years I have been trying to determine why my Federal Direct Subsidized loans were converted or consolidated into a FFELP loan without my informed consent that I would lose all eligibility for loan forgiveness programs under the U.S. Department of Education. I have been denied on multiple occasions for the Public Service Loan Forgiveness Program due to the fact that my loan has been converted to a FFELP and is no longer considered a Federal Direct Loan. I was never informed at the time of consolidation that the loan would be converted and I would lose all my rights to apply for the Public Service Loan Forgiveness Program. My loan servicing agent has informed me on several occasions that my loan does not qualify for the loan forgiveness program because it is a FFELP consolidation loan and if I want to qualify for the loan forgiveness program that I will have to consolidate my current loan with the U.S. Department Education. How can I consolidate this loan when it is the only loan that I have? I believe that the servicing agent deliberately withheld pertinent information from unsuspecting borrowers for monetary gain. The agent does not provide any forgiveness programs at this time. While reviewing my consolidation loan application/promissory note ... in fine print it states that I might not be eligible for SOME loan discharges that was once associated with the loans that is being consolidated but never provided the information to me pertaining to the loans that I would or would not be eligible for if I consolidated my loans with this agent. I did not receive an opt out agreement or any correspondence explaining the terms of the loan if consolidated. I have been working for a public entity for 25 years and to find out that I can't take advantage of a program that has been offered to me to alleviate a debt due to greed and the absence of information is beyond me. I have documents that the agent has sent to me but none of them are clear and concise.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-25 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: SUNRISE CREDIT SERVICES, INC
State: NJ

Complaint narrative:
I ask them to send me proof of the bill they say I owe them. I have also told them that due to the coronavirus I am out of work. They call all day every two hours and when I ask to speak to a supervisor they hang up on me. They are rude dont answer any questions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-25 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Problem adding money
Company: AMERICAN EXPRESS COMPANY
State: CT

Complaint narrative:
Several transactions are still pending on my account, an attached screen shot shows items still pending from XX/XX/XXXX, six days ago. Two items in the amounts of {$1.00} and {$8.00}, funds transfers to an external account, show pending from XX/XX/XXXX. An item in the amount of {$59.00} dated XX/XX/XXXX shows as " in review '', this is a merchant refund from XXXX. It appears these items are taking an usually long time to process, the normal time frame to process a funds transfer is five days, it is now six and still showing in process as well as the refund, which is still not reflected in balance. It appears there is a technical issue going on and if so, an additional funds transfer in the amount of {$23.00} from XX/XX/XXXX might also need to be looked at

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: NV

Complaint narrative:
I requested to have my IDR monthly payment recalculated due to a change in income from the COVID 19 crisis. I requested this on XX/XX/XXXX. On XX/XX/XXXX, I received a letter that my loan servicer put my account in forbearance. I did not request forbearance. They stated that anytime an application is put in, they put an account on forbearance. I have never seen this information written in any place and this was not the information that was given to me over the phone. It states that I will continue making my monthly payments until it is recalculated. As a result, my loan servicer is now telling me that all the unpaid interest on my account will be capitalized when they take me off the forbearance that I NEVER requested. Even though Trump has implemented no interest accrual on forbearance during this time, apparently, since I requested my payment to be recalculated instead of requesting emergency forbearance, now this doesn't apply to me and my interest will be capitalized. Their IDR office is not even open to recalculate payments. This is not my problem and I should not be punished by having my interest capitalized because Fed Loan Servicing can't properly handle their application. Fed Loan Servicing is fraudulent in how they handle loan repayment and will do whatever they can to find ways to capitalize the interest on your account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MA

Complaint narrative:
On XX/XX/2020 I attempted to widraw XXXX XXXX Baht from a XXXX XXXX XXXX  ATM located in front of the XXXX XXXX Hospital. 

The ATM was a free standing unit outside of the hospital. After entering my PIN, I waited for the machine to dispense the cash, it didn't. The ATM went blank, like a computer that was shut off. It came back to life after about 10-15 seconds and gave a receipt, however, didn't dispense any cash. 

I disputed the charge with my bank and all they say is they received documentation that showed I received the cash. 

I did not, they've deducted the money from my account and as an XXXX yr old widow, I can't afford to lose that type of money when nothing that happened was my fault. I may be old but I'm not stupid.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
By law, I have the right to have a formal investigation performed as outlined in the Fair Credit Reporting Act. If you will not perform such an investigation, I will have no other remedy than to file a lawsuit against you.Please investigate and remove these accounts from my credit report or I will have to refer the matter to my attorney and take immediate legal action against you. The constant judgments awarded against you certainly demonstrate that courts are will not tolerate your bullying tactics.I have made a lawful request of you to verify a report about me in my credit files. 
Please be advised that your failure to complete your investigation and compliance with the law may result in legal action against you. The following items need immediate attention : XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Authorized User ) - XXXX XXXX XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-25 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: TN

Complaint narrative:
Please investigate freedom mortgage. I have a mortgage that originated at XXXX and this company refuses to remove the MIP as I am now elligable at over 20 % equity and I meet all other requirements. The original loan number is XXXX XXXX / FILE NUMBER XXXX XXXX / MORTGAGE INS CASE NUMBER XXXX XXXX XXXX. Freedom mortgage is the refinance company and they have refused any assistance to make sure this MIP is removed in a timely manner. Freedom mortgage refinanced the amount of XXXX and they refuse to accept the original purchase amount of the home was XXXX. I meet ALL requirements and I have NEVER made a late payment in the history of this home purchase. 

This company has denied all attempts to have the MIP removed and they decline to acknowledge that I am eligible for the MIP removal. My current loan balance is XXXX and the original loan balance was XXXX. This company refuses to acknowledge that I presented ALL purchase documents to them upon the processing of the refinance with them which would very clearly show the original purchase amount and date of which they deny ever receiving. Given the math I need to verify that I am at XXXX LTV and there is no one to help me with this complaint of being ignored by this mortgage company. Please help 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 2020-03-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: GA

Complaint narrative:
See Previous Complaint # XXXX I received correspondence from Loancare, and they sent me another standard letter. The problem with information stating that I missed one payment is still showing on my loan. Also, in the message, it said that my request had once was again denied for PMI removal. And that I could send {$420.00} to have my home appraised to calculate an accurate appraisal amount. I sent the payment to a separate location and waited for the 60 days to get contacted by the company. No one ever contacted me about the appraisal. I called today to inquire about the assessment, and once again, they applied the payment to my principal balance. When I made the dreadful call to customer service, I kept getting the sir I understand your frustration response, which they do not, or they would try to do more to help me. Again she stated that she could only put in a request for the internal insurance department to review the misapplication of payment. I again asked for someone to speak too that could resolve the issue ; I received, " They are going to tell you the same thing. '' I demanded to talk to her manager. I waited on hold for an hour, and a hostile manager stated that they could not do anything. I again demanded to speak to her manager, and she said there was no one else that could resolve the issue on this call, and there was no one else to talk with currently. After I debunked the incorrect response because there is someone that manages you, she said, your just going to wait on hold an hour again. I requested to wait. After the hour on the phone, someone picked up the phone and disconnected the call. I am more than fed up with Loancare 's ineptitude and will try CFPB one more time ; before I proceed with legal action. My expected outcome is to have the appraisal amount go towards my appraisal and to get PMI removed.

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 2020-03-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
By law, I have the right to have a formal investigation performed as outlined in the Fair Credit Reporting Act. If you will not perform such an investigation, I will have no other remedy than to file a lawsuit against you.Please investigate and remove these accounts from my credit report or I will have to refer the matter to my attorney and take immediate legal action against you. The constant judgments awarded against you certainly demonstrate that courts are will not tolerate your bullying tactics.I have made a lawful request of you to verify a report about me in my credit files. 
Please be advised that your failure to complete your investigation and compliance with the law may result in legal action against you. The following items need immediate attention : XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Authorized User ) - XXXX XXXX XXXX XXXXXXXX

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 2020-03-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
By law, I have the right to have a formal investigation performed as outlined in the Fair Credit Reporting Act. If you will not perform such an investigation, I will have no other remedy than to file a lawsuit against you.Please investigate and remove these accounts from my credit report or I will have to refer the matter to my attorney and take immediate legal action against you. The constant judgments awarded against you certainly demonstrate that courts are will not tolerate your bullying tactics.I have made a lawful request of you to verify a report about me in my credit files. 
Please be advised that your failure to complete your investigation and compliance with the law may result in legal action against you. The following items need immediate attention : XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Authorized User ) - XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
I am having difficulty getting my student loan company, Navient, to work with me to reduce my monthly payment. I submitted my first request back in XX/XX/2019 but the company still will not offer me a payment plan. Instead they keep forbearing my account so that my interest rate keeps accruing. 

I keep submitting forms for Income Driven Repayment plans  but they keep stalling on processing this. When I call to check in about the status, they ask me to submit something new but never give me complete or accurate information so that this can be processed correctly. I never wanted to put a forbearance on my account but only to lower my monthly payment from {$1200.00} to something more manageable.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Town & Country Mortgage Services, INC.
State: FL

Complaint narrative:
Three days before our scheduled closing date of XX/XX/20, the Mortgage Loan Originator called to tell me that our loan was not approved. This was after receiving a preliminary approval letter on XX/XX/20 at which date and personal meeting with loan originator we reviewed in detail any potential problems. There are no disclaimers on our conditional loan approval indicating any reservations about our ability to get a conventional mortgage. We came under contract with the seller of the property we wanted on XX/XX/20 and submitted a {$5000.00} deposit. We submitted every document that the loan originator requested within hours of said request. On the other hand, we continuously called his office for feedback and next steps ( we have copies of text messages and other correspondence ). We had an earie feeling that we were being lied to about the speed and competency that our paperwork was being processed for the underwriter. On XX/XX/20 our realtor informed us that an appriasal had not been scheduled even though we paid for it on XX/XX/20. As of XX/XX/20, we were told we were on track that appraisal would be done that day and turned around in 24 hours so we secured a Homeowners Policy. On XXXX XXXX on XX/XX/20 the loan originator called to tell me that we did not qualify for a mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-25 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Professional Credit Analysts of MN, Inc.
State: MN

Complaint narrative:
This complaint stems from a debt that I have contacted this company to settle the debt for a lesser amount than original. The company in question is Professional Credit Analist-Minnesota, XXXX XXXX XXXX XXXX, XXXX XXXX, MN XXXX ( XXXX ) XXXX. I contacted XXXX and we had come to an agreement after several calls on or about XX/XX/ thru XX/XX/2019 to settle from {$2100.00} down to {$1400.00}. I borrowed money from XXXX XXXX XXXX XXXX to repay this debt and then I asked for a balance sheet and address for my Credit Union to remit the check. The Manager ( XXXX ) at  Professional Credit Analist-Minnesota would not send any paper work to either myself or the Credit Union so we had a document stating what we agreed to pay for settlement. The Credit Union Manager tried repeatedly to contact the Manager ( XXXX ) and did not receive a call back. The Credit Union would  not remit payment for agreed amount with out the statement. I did not feel comfortable paying this company without assurance that this would complete. I feel it is his responsibility to give me an agreement sheet and he did not. I did my best to resolve this issue and it is still affecting my credit score and my life. This has been in limbo for more than a year and I need some assistance please. 

XXXX XXXX XXXX XXXX XXXX XXXX. XXXX. 
XXXX XXXX, Mn. XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
The credit bureau would not remove credit

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 2020-03-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
We contacted Capital One and disputed a claim with the merchant XXXX XXXX. Capital One informed me Mastercard handles the disputes. We provided all of the correct documentation. As Mastercard investigated they contacted me and asked for more documentation. We provided more documentation. However, the merchant was not asked to provide more information, therefore, the case was closed. If Mastercard asked the merchant for more information, they would have found out he could not provide more information to support his position. Therefore, Mastercard did not completely investigation our disputed charge. Case Number with Capital One/Mastercard : XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-03-25 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Mortgage Research Center, LLC
State: TX

Complaint narrative:
Veterans United denied loan modification because they would not allow borrower 's overtime to be considered in calculations without explanation why.

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 2020-03-25 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: TX

Complaint narrative:
Out of work due to covid-19 and can not afford to make mortgage payment on XX/XX/2020. Pennymac mortgage lender is only offering their forbearance program where at the end you pay back all missed payments upfront, increase your home loan until the payments missed are paid back or forced to change your home loan to a higher interest rate or 40 term loan. No deferment option available. It seems like the lender is profiting off of a pandemic and not actually trying to help their clients. My wife is out of work and XXXX, I am XXXX and have a XXXX. Being expected to just financially be able to afford a higher mortgage or higher payments in 3 short months is unreasonable in this time and a deferred payment option should be available, just like other lenders are doing and loan payments are doing. After speaking with customer service the lack of care for their clients staying in their homes is apparent.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-25 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: EQUIFAX, INC.
State: NV

Complaint narrative:
i recieved my credit reports, and there was 3 accounts listed, as derogative, with no creditor information listed, who do i owe, who do i dispute this with???? I wrote the credit bureau, EQUIFAX, XXXX, XXXX, and asked them to delete this information, and they refused, it's still showing on my credit reports. I am appalled, how these credit agency XXXX the american, public. Put something negative information, on my report, without ANY documentaion, as to who is behind this. How do i dispute this, or sue them, and i don't know who the XXXX they are. Dead entitys, XXXX  real live flesh and blood, human beings? How does this government allow, this to happen, can anyone please help me??

Company response to consumer: Closed with explanation