vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-08-20 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: National Education Servicing, LLC
State: MA

Complaint narrative:
I am a XXXX currently in my last year of XXXX. I have student loans with XXXX companies, FedLoan ( ~ $ XXXXcurrently in forbearance ) and National Education . I have been able to defer/forebear my loans during my training, as a XXXX is not sufficient to make payments while supporting my wife and child. They have requested several forms over the past two months, of which i have sent to them and they have continued to reject. My loans are in delinquency currently and they have been unwilling to budge on their stance. I have explained to them that I will only need to defer payments until after XXXX of 2016 at which time I will be employed as an XXXX and my income will be substantial enough to pay off the entire {$25000.00} balance with XXXX XXXX within a few months. They have requested on separate occasions, and subsequently rejected, a copy of my fellowship contract, a letter from my program director, as well as a letter from XXXX stating the status of my Federal loans. During the period of obtaining these documents, and them being rejected, they have begun charging late fees. It seems that their strategy MAY be to make it as difficult as possible to defer loan payments so they can bill a late fee and continue to reject documents they specificaly request in order to force a payment. I am not trying to skirt payments on my loans. I just need to feed my family until XX/XX/XXXX on my XXXX. after which I will certainly be finacially secure enough to pay off the loan in a very short time. 

Thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-27 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
I am An interest only mortgage holder in the year XX/XX/2007 I think I wanted to lower my payments like everybody else. I was advised that because I was current that I could not refinance. The mortgage holder advised me to stop paying my mortgage and do a remod I agreed. when the forcloseure process began I did a remodification the bank lowered my payment put me back in a 30year mortgage again and increased my principal by XXXX. I was always paying interest only on $ XXXX now I 'm paying interest only on $ XXXX I was never paying off my principal just interest only why am I paying interest on on XXXX that I never had

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-23 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: First Data Corporation
State: NC

Complaint narrative:
XXXX XXXX on behalf of First Data Global Leasing made numerous attempts to collect a debt over the course of 4 months. I filed for chapter XXXX bankruptcy protection on XXXX/XXXX/XXXX and had my hearing scheduled for XXXX/XXXX/XXXX. My FINAL Decree was issued on XXXX/XXXX/XXXX. It is my understanding that the initial filing of the petition is meant to stop the debt collection process. Despite me filing on XXXX/XXXX/XXXX, XXXX XXXX still sent the attached collection letter dated XXXX/XXXX/XXXX trying to collect this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-26 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: PNC Bank N.A.
State: MI

Complaint narrative:
I had a home equity line of credit thru PNC Bank. I received the letter in 2012 telling me my loan maturity date was coming up & I needed to either pay off the loan or renew the loan for another 10 years. I submitted all the required paperwork, i.e. pay stubs, XXXX, etc. Apparently the person reviewing my application did not know how to read a credit report. I owed approx. {$150000.00} on my mortgage & {$55000.00} on my HELOC. I did n't hear back for over 2 months & when I finally got in contact with that person they told me they could not renew my loan because I owed too much on my house. When I asked him to clarify, he told me I owed {$210000.00} on my house so they could n't renew my loan for the additional {$55000.00}. I tried repeatedly to explain that the {$210000.00} was the mortgage & HELOC & that 's all I owed. By the time I sent all the paperwork to him to prove that all I owed was the {$150000.00} & {$55000.00} the loan had come due. Because I did not have {$55000.00} to pay it off, I continued to make my usual payment of {$1000.00}. After 3 months, that person 's supervisor looked over the paperwork & saw the error but then I was told they could n't renew my loan because I had a low credit score. I had perfect credit until PNC Bank screwed it up by not knowing how to read a credit report. It finally went thru a loan modification department & I was told HELOC would be closed & converted to a signature loan @ 1 % until it was paid off & the lien would be removed from my house. I recently tried to re-fi my mortgage since my credit score has improved & the rates are low. When my bank ran my credit report, it showed the HELOC was still open & I had a {$57000.00} credit limit. After repeated phone calls to MANY people, I finally got a letter that stated the loan was closed. I gave that to my bank but now the title search shows PNC Bank still has a lien on my house. That lien will affect the rate I can get on my re-fi.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-15 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
I tried to open a checking XXXX Classic checking XXXX account in santanderbank via online. Provided all the required information plus initial amount of {$250.00} to open the account. Also uploaded Driver 's license, other bank statement, utility Bills ( internet and electricity Bills ) scanned versions. But after few hours come to know that they have declined the application with some weird reason that " We regret we can not open your account and/or add your name as an owner/signer to an account with Santander Bank, N.A. 

We were unable to verify your identity or other personal information at this time. Please visit a Branch to complete your application. '' What??? 
I was suppose to get {$150.00} in 90 days as a new account opening bonus after satisfying few conditions. Why they could n't open the account - it 's a big surprise to me. 

Later I sent them inquiry regarding this which they were suppose to respond back within 24 hours which i have n't heard of till now.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed
Consumer complaint received 2016-12-09 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX, FL XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I 've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXX closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I 've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-18 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On XXXX XXXX, My macys card was used in XXXX XXXX to charge over XXXX in charges. I contacted Macy 's as soon as the bill arrived and let them know of the fraud. I was then informed recently that the charges were mine and were not fraud. I verified the fact that at the time I was in California sending them XXXX other credit card statements with charges in XXXX XXXX at the same time as the fraudulent charges. I just spent 40 minutes on the phone with them to be hung up on with no follow up call. They are refusing to hear my pleas and failing to remove the charges as well as now reporting me late on repayments.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-10-31 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: BB&T CORPORATION
State: WV

Complaint narrative:
XXXX/XXXX/2015 Debit ***OVERDRAFT FEE $ XXXX $ XXXX Debit TRANSFER XXXX SAV-INTRNT XXXX INTERNET PAYMENT $ XXXX Debit TRANSFER XXXX CHK-INTRNT XXXX INTERNET PAYMENT $ XXXX POS XXXX # XXXX XXXX XXXX XXXX WV XXXX BB & T CHECK CARD PURCHASE-PIN XXXX XXXX Credit COUNTER DEPOSIT View $ XXXX Debit ONLINE XXXX XXXX XXXX XXXX BB & T ONLINE BILL PAYMENT {$50.00} $ XXXX XXXX , ''BB & T '' charged me OVERDRAFT FEE OF $ XXXX XXXX ... ... ... ( FOR {$72.00} ), WHEN I DEPOSITED A ''GOVERNMENT CHECK '' ... ... ( JUST LIKE A GET FROM THE US GOVERNMENT, EACH XXXX & XXXX, OF EACH MONTH ) ... ..THEY KNOW IT IS GOOD XXXX!! 
SO WHY DID THEY ONCE AGAIN CHARGE ME ''OVERDRAFT FEE ''? I JUST GOT THRU WINNING THE LAST ''OVERDRAFT FEE COMPLAINT '' ... ... ( BB & T..CASE # : XXXX ) ... .ON XXXX XXXX, 2015, ***FOR THE VERY SAME THING***PLEASE HAVE ''BB & T BANK '' ... ... .RETURN MY XXXX-DOLLARS FOR ''OVERDRAFTFEE '', THAT HAPPENED ON XXXX XXXX, 2015 ... XXXX ( ABOVE ). 

THANKS, XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-13 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Debt Recovery Solutions, LLC
State: VA

Complaint narrative:
XXXX states I opened an account for a landline in my home but we already had a landline. I asked them to send me papers showing where I had requested this line and they never did, they said someone from my house requested the line. I asked them to remove the incorrect information from my credit report, now they have sold the account to Debt Recovery Solutions. Acct # XXXX. {$98.00} This information is affecting my security clearance with my job and I need proof that I requested this line be installed or I need them to remove it from my credit report.

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 2016-01-04 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Scott Lowery Law Office, P.C.
State: CO

Complaint narrative:
DEAR SIR, I WOULD BE MOST GRATEFUL IF YOU COULD ASSIST IN WHATEVER WAYS YOU CAN SINCE I CAN NOT AFFORD A LAWYER. 

MY COMPALINT IS AGAINST CATCH LLC REPRESENTED BY LAWYERS XXXX.SCOTT LOWERY OF XXXX XXXX IN XXXX I HAVE A CREDIT CARD DEBT OF XXXX $ ( FROM XXXX.THEY SENT ME TO COLLECTION BECAUSE I MISED A FEW PAYMENTS WHEN I HAD NO JOB AFTER MOVING TO XXXX XXXX. ) I HAVE ALREADY PAID THE ABOVE LAWYERS FOR OVER A YEAR ALREADY ( AS AGREED WITH XXXX. SCOTT REP AT {$50.00} EVERY MONTH ) BUT I CAN NOT AFFORD TO STOP PAYMENT WHEN THIS IS DUE BECAUSE THEN THEY WILL ONLY ASK THE XXXX XXXX COURTS ( WHERE I WILL GET NO SAY ) TO COLLECT ON THEIR BEHALF. 
THE COURTS WILL IN TURN AGAIN TAKE MONEY ( THE AMOUNT OF WHICH I CAN NOT DETERMINE ) FROM MY SALARY. 

I HAVE HAD THIS PROBLEM BEFORE FOR A PERSONAL LOAN ( OF XXXX $ ALSO FROM XXXX XXXX XXXX. ) XXXX ( WHICH WAS BAILED OUT BY GOVERNMENT ) SENT ME TO COLLECTIONS AND I PAID XXXX SCOTT LOWERY FOR A WHOLE YEAR ( XXXX $ NOT TAKING INTO ACCOUNT WHAT I HAD ALREADY PAID THE BANK ) AND THEY SCAMMED ME. 
THEY SAID I WAS LATE FOR PAYMENTS AND TOOK THE WHOLE {$1200.00} AND POCKETED THE MONEY. 

THE AMOUNT PAID WAS NEVER PUT AGAINST THE LOAN REPAYMENT. 

I THEN STOPPED PAYMENT AND THEY THEN JUST TURNED AROUND TO THE XXXX XXXX XXXX TO COLLECT ON THEIR BEHALF. 

I GOT NO FAIR REPRESENTATION FROM THE COURTS AND THEY JUST USED THEIR AUTHORITY. 

TILL NOW THE COURTS ARE TAKING MONEY FROM MY SALARY AND I HAVE NO CLUE HOW MUCH AND FOR HOW LONG..THE COURTS HAVE NO EXPLAINATIONS FOR ME. 
THEY ONLY REPRESENT THE MEN IN SUITS. 

I THINK THIS IS A BIG SCAM ABOVE ANYTHING ELSE AND I LOOK AT THIS WHOLE SET UP AS EXTORTION AND/ OR ROBBERY IN BROAD DAYLIGHT. 

TO THAT EFFECT I WOULD BE MOST GRATEFUL IF GENTLEMEN, YOU COULD KINDLY ASSIST AND ADVISE AS TO WHEN, HOW AND WHERE I FINALLY PUT AN END TO THOSE DEBT PAYMENTS AND STOP DEALING WITH CROOKS AND SCAMMERS. 

I THINK THAT THOSE PEOPLE IN SUITS SHOULD ALSO BE HELD ACCOUNTABLE LIKE ANY INDIVIDUAL. 

I 'VE DONE ALL I CAN TO PAY OF MY DEBTS AND I AM STILL WORKING HARD TO GET OUT OF DEBT TOTALLY HOWEVER IF I AM TO PAY {$1800.00} FOR MY WHOLE LIFE THEN I MIGHT AS WELL STOP WORKING ALTOGETHER AND LET THE STATE TAKE CARE OF ME..MAYBE THE STATE WILL THEN TAKE CARE OF MY DEBTS TOO. 

XXXX NEVER GAVE ME A CHANCE AND I LOOK AT CATCH LLC AS RESORTING TO EXTORTION THROUGH THEIR LAWYERS AND THE XXXX XXXX XXXX, I AM SURE YOU WILL AGREE WITH ME SIR, THAT THESE CONDITIONS ARE UNTOLERABLE. 

I THANK YOU IN ADVANCE SIR AND LOOK FORWARD TO A POSITIVE RESPONSE FROM YOUR END.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-23 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
1 ) On XXXX XXXX, XXXX Chase Bank authorized a fraudulent check against my checking account for the amount of {$500.00}. This check was totally erroneous with an incorrect address and should not have been authorized. 2 ) Not only was {$500.00} stolen from me, it resulted in my mortgage payment being returned, accruing late fees and a {$34.00} insufficient funds charge from the bank. 3 ) I called to report the claim and have had to call multiple times, each time starting over and being told conflicting information on the status. 4 ) I finally received a letter from the bank dated XXXX XXXX, XXXX stating " We researched the transaction ( s ) your reported on XXXX/XXXX/XXXX and confirmed they were unauthorized. As a result, we credited your account {$500.00} on XXXX/XXXX/XXXX. '' 5 ) However, my account was not credited {$500.00} ; only the {$34.00} for the related insufficient funds charge. When I called the bank, I was told that was an error and they would reprocess and I should receive it within 10 days. That did not happen. 6 ) My last call to the bank was today. They are now saying that they sent the letter in error and are still investigating my claim. This is completely unacceptable.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-01-23 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: WELLS FARGO & COMPANY
State: UT

Complaint narrative:
I have paid this account by phone for XXXX years without incident. However, the payment made by phone on XX/XX/2017 was not posted to my account. I called on XX/XX/2017 to make another payment, and was told my account was delinquent. I have tried diligently to get this straightened out with Wells Fargo. Wells Fargo 's system shows the payment was called in on the XX/XX/XXXX but not posted to the account until the XX/XX/XXXX. This is some type of system error. On XX/XX/XXXX, I spoke with several different representatives. XX/XX/XXXX XXXX at XXXX stated that an electronic correction had been sent to XXXX , XXXX, and XXXX. After numerous calls to try and get the issue resolved, XXXX in the XXXX Office claimed that she researched the problem, and that although the payment was submitted to Wells Fargo on XX/XX/XXXX, the system showed that the payment would not post until XX/XX/XXXX This is some type of error. I have never post dated a payment, and was absolutely SHOCKED to find out the payment had not posted on XX/XX/XXXX, when I called on XX/XX/XXXX to make another payment. I am a Mortgage XXXX, and am very diligent in keeping all of my accounts paid on time. The reporting of this late payment has prevented me from getting a mortgage license in the XXXX of XXXX. I have pleaded with Wells Fargo to correct this error. I get a run around from XXXX person to the next, with a different story from each person I speak with. PLEASE help me get this XXXX day late payment removed from my credit report. I paid the account ON TIME.

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 2017-03-26 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Patient Accounting Service Center
State: NY

Complaint narrative:
The hospital placed my account to XXXX and ARSTRAT. The account was paid in full to the hospital on XXXX/XXXX/2016 with electronic receipt, but I continued to receive mails from ARSTRAT. They also offer no electronic communication channel for communication. I was n't able to get through their return call number.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Settlement process and costs — 
Company: Prospect Mortgage, LLC
State: AZ

Complaint narrative:
My complaint is with Prospect Mortgage XXXX Az. Poor service they have told me 3 times when I was going to close, right before I close they call and tell me to send documents that I have already sent or tell me something additional I need to send. The ladies who work there are rude and disorganized. I was supposed to close Monday XXXX XXXX I went to the bank and got my closing money and last night Friday XXXX XXXX my realtor calls me and tells me that Prospect called and said the docs are not ready again. All of these delays have cost me money with additional rent payments and turning gas and electric on again. My health has suffered from all of the stress they have caused.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-03-26 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: Financial Filing & Reporting, Inc.
State: IA

Complaint narrative:
called and said they have been trying to contact me and will take matters in their own hands.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: AES/PHEAA
State: CA

Complaint narrative:
Thank you for taking the time to read this and for hearing all of our concerns. Your work is appreciated. 

I attended XXXX XXXX while serving in the XXXX. This would 've been in XXXX, VA around the year 2000. I was using the XXXX XXXX which was a confusing nightmare at the time. 

Approximately 3 - 4 months in, I receive a letter stating I owe money for student loans. XXXX financial aid tells me I did n't send the form which was due every quarter, or half. I forget the timeline. Either way, I was never given any notice of this form and had no recollection discussing it. 

I say I can turn it in now. Financial aid office says their hands are tied. I say there was poor contact on their behalf, surely they can accept a form week late due to an admin error or something, right? No. Give us {$5000.00}. That has grown to something like {$12000.00} now. 

So now I 'm dealing with FedLoan Servicing. I guess they 're with Department of Education? They 've been relentless trying to collect using different vendors, or changing their own face over the years. 

It 's been a ridiculous fight against this loan for 15 years. We approved all the XXXX XXXX paperwork, and they say I do n't need to give them anything else. I deal with schools and financial institutes in my workplace, they always have some type of waiver. 

It 's not right being charged so viciously when I was under the impression XXXX XXXX had it covered. I do n't know if this should go to Department of Education or XXXX. XXXX of them needs to grandfather the form in. We can do better than this.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-31 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Settlement process and costs — 
Company: U.S. BANCORP
State: OH

Complaint narrative:
In a recently closed refinance, the lender ( US Bank ) disbursed roughly 23 % less funds than the final HUD lists in box XXXX ( Total Disbursements to Borrower ). I called US Bank as soon as I saw the shortage of disbursed funds and their explanation was that the it was noticed after the loan closing and signing that the originator obtained an incorrect payoff amount and I should understand that human error happens. The change in structure of the financing took place after all final documents were signed, the changes were not disclosed to me, and I was not given an opportunity to exercise my right to cancel if the changes would have been disclosed to me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-03-17 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
I financed a car at XXXX in XXXX ohio on XX/XX/2017 through huntington bank. I asked and was told there is no loan fee. Nothing on ny paperwork shows a loan fee. XXXX was added on line XXXX and then subtracted on line XXXX. On XX/XX/2017 i went to refinance through XXXX XXXX and thats when i found out about a XXXX loan fee. I have tried to work this out through huntington and was told i will get back the XXXX and now they refuse to do so.

Company response to consumer: Closed with explanation