vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-06-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: STATE FARM BANK, FSB
State: MD

Complaint narrative:
We desperately want to save our home. We 've been trying to get a loan modification with State Farm Bank FSB, but our efforts have been futile. We started this process in XX/XX/XXXX, it is now XX/XX/XXXX and no approval. The loan modification process is ambiguous and not transparent. The Consumer does n't know what to expect and all decisions are up to the Underwriter. The consumer is not informed of the process or criteria. As a consumer I should know what happens the moment the packet is received. There is no checklist of what is being done on your packet and how the decision was arrived at. State Farm Bank FSB, also does n't allow the packet to be emailed or Signatures to be docu-signed. Their system is on the cutting edge of functional obsolescence. You can only fax or mail documents. This considerably delays the process. We are not able to know the name of the Underwriter handling the modification. When items are supposedly missing we would receive a letter that comes ten to fourteen days later. By the time we 'd get it the other documents would expire. State Farm Bank would consistently ask for the same information over and over again.
<P/>I filed for Bankruptcy and State Farm Bank knew this, but they still requested I pay off liens that was on the property. We thought that was a good sign, and since State Farm Bank made this a condition of the loan modification we did as they requested. Once we got the property in good standing they denied the loan. Stating we did not live at the property. We are now out of pocket over $ 10K, this was money we were saving to pay towards the mortgage. <P/>I wrote letters to State Farm Bank 's Attorney, State Farms Management XXXX XXXX and XXXX XXXX. I also left a voicemail for XXXX XXXX onXX/XX/XXXXto return my call, but have not received a response or call back from the Manager yet. I also followed up my call with a faxed letter to her, have written to State Farm Banks Attorney and the managers at the company, however all my letters seem to fall on deaf ears. <P/>Since State Farm Bank denied our loan for not living at the property and we submitted proof that we do. Can State Farm Bank turn around and deny us for a different reason? Our packet should not have to sit on someone desk another 30 - 180 days while our mortgage and late fees are mounting, especially for an appeal. We was told there is no time frame for the Underwriter to make a decision on an appeal. This is totally unfair. <P/>I have called HUD counselors and done everything I can. We have done a lot of work to this property and have paid off liens. We want to save our home and are asking State Farm Bank to do the right thing and give us a loan modification.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Panorama Mortgage Group, LLC
State: FL

Complaint narrative:
I started a loan process back on XX/XX/XXXX for a conventional loan with the Loan Officer XXXX XXXX NMLS XXXX, he give us the pre-approval and he told us that everything was verified, he ordered a FHA appraisal, when I asked him why, he told us that it does n't matter which appraisal is requested that he can switch the loans and seller can do whatever they want. In the middle of the transaction he said that my brother did n't qualified for the conventional loan we told him that the contract was specific for a conventional and I do n't understand why he makes me paid for FHA appraisal. XXXX told us that we do n't have to worry that he will approve us for conventional loan and he makes me paid for a conventional appraisal and we will close onXX/XX/XXXX. OnXX/XX/XXXXwe received a Loan estimate for a FHA loan with a seller credit for {$5000.00} that we did n't requested and a credit score 5.5 % that we never discussed about, when I asked him why everything look different with that high rate he said that 's the only loan we can have, knowing the contract specific said conventional. This loan Officer does n't even have idea how insurance work he asked me to paid for a hazard insurance with my credit card, when I asked him why he said : " because I said so and you do what I said '', when I contacted the insurance company they do n't have Idea why the LO gave me those instructions they told me that Insurance will be paid with the closing cost at the closing, and title will be distribute the funds. We are loosing so much money for the lack of knowledge of this Loan Originator and his unprofessional way to tread a customer. I have all the documents and different text messages showing all the wrong instructions this Loan Originator make us do.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-06-13 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: MD

Complaint narrative:
I was attending school back in  XX/XX/XXXX - XX/XX/XXXX . On   XX/XX/XXXX ,  I fractured my  XXXX  and I was unable to complete my schooling. I never received a certificate of completion or anything like that. In   XXXX  , I went to see if I could finish the courses that I missed. They told me I could and that they would contact me when they started again. A year passed and I did n't hear from them. So I tracked them down and asked if I could finish the courses that I missed. They told me I would have to pay for the course again. Obviously that was n't an option for me and I 've been paying on the loan ever since. My loan was for {$25000.00}. I 've been paying {$170.00} a month for about 9 years now which is roughly {$20000.00} dollars paid out, which would leave only {$5000.00} to owe. I still owe more than {$12000.00}! I have no idea what those payments are going towards. I only have a 3 % interest rate on the loan. Ideally, I would like my money back, either what I 've paid them, or refund the remaining balance and put a stop to the endless monthly payments. I 've told  Navient a ll of the above information and they told me I could take out another loan to pay them off, which is n't an option. And they were n't even empathetic to my unusual dilemma.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I sent a request to have my name and address updated about a month ago and the credit reporting agency has not corrected the issue.

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 2017-06-13 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: DISCOVER BANK
State: MD

Complaint narrative:
Someone authorized herself as an extension user of my discover card and she change my address on file, email and phone number so I wont know but I found it out too. From  XXXX   XXXX  to  XXXX   XXXX ,    2016  she spent like {$5900.00} in a short time.  Discover card determined that there is no fraud in the accout. Im complaining the Discover car d. The same person also open a a  XXXX  CC last  XXXX  and steal all my info but the  XXXX  Cc accept the dispute right away because it 's clear to them that it is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: U.S. BANCORP
State: WI

Complaint narrative:
A company by the name of   XXXX   XXXX   XXXX   contacted me on  XX/XX/XXXX  stating that they were collecting a debt fo r US B ank. The amount they were requesting was {$250.00} with interest of {$270.00} totaling {$530.00}.  <P/> However, I know this issue was sastified on  XX/XX/XXXX  directly with  US Ban k. I personally contacted  US B ank, and was informed that they have no record of any outstanding debt with me.  <P/> Please be aware of such a scam. The person that attempted to collect this debt is with   XXXX   XXXX   XXXX   Her name is  XXXX   XXXX  and her phone number is  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 non-monetary relief
Consumer complaint received 2017-06-13 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I just was needing Bank of America to speed up on my current balances etc. Thank you

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 2017-06-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
Well, I just filed a complaint recently about Bank of America. Well we got a letter from XXXX XXXX My husband did call her she apologized etc. Well she said she needed more time to look into this she told my husband she would call him Wed,XX/XX/XXXX She said between 2 and 3 yes he carved out a time at work and waited for a call, guess what, no phone call We get a letter Friday XX/XX/XXXX " apologizing '' saying she needed more time. First of all a poor way to do business That is like I make an appointment and do n't show up and then send a letter or a email 2 days later. Poor customer service. Mean while my husband went to to the local bank of american and spoke to the manager and he agreed, he could n't get away with sending a letter saying he missed an appointment. Meanwhile she claimed in her notes she called, todayXX/XX/XXXX She did n't call and if she did no voice mail.She promises to call but does not. Bank of america seems to be known for lying. My husband had his phone on all day. Meanwhile we still got 2 different payments and nobody can answer our questions. One payment is XXXX and XXXX I can praise the bank manager XXXX nice guy, If we honestly do n't hear soon from bank of america mortgage, our next trip is to XXXX NC to the main bank. <P/>I will keep on complaining and complaining until someone answers our questions. We are tired of promises they do not keep. Poor customer service.

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 2017-06-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
First, I sold my home and used the proceeds deposited into m y Citibank checking   account to make multiple online payments to credit card balances at other institutions usin g Citibank 's online bill pay. Citibank closed my checking account within the week. 3 months later, Citibank closed my credit card account, which I have used frequently for 9 years. I always try to maintain my credit limit utilization to under 80 % to the best of my ability. I have diligently managed my balance with Citibank over the years and never missed a payment. Citibank closed my credit card account and they are not providing me with any phone numbers for additional details. I have to hand write a letter to a P.O. box to even get any details about why my account was closed.

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 2017-06-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: ORG GC GP BUYER, LLC
State: FL

Complaint narrative:
GC Services Collections for  XXXX  {$2600.00} rounded Balance was discharged through Chapter  XXXX  I have disputed this item 4 times I also never received a collection notice before it showed up on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
Chase Auto Loan Account Number XXXX had a listed balance of {$930.00} as of XX/XX/XXXX on a loan that matured onXX/XX/XXXX which should have been the last payment. The payoff quotes stated projected payoffs of {$1200.00} if payoff was done on XX/XX/XXXX,  and a separate payoff of {$1200.00} if paid off on XX/XX/XXXX <P/>The loan was created at the dealership with a {$320.00} monthly payment but a calculated amortization shows payment of {$320.00} a month. A request was done to Chase Auto Finance on 6 different occasions to get a copy of an official Amortization Schedule to confirm the calculations of the payment and interest allocation over the life of the loan. Each copy received had {$0.00} in each row and column for Principal, Interest and Balance.
<P/>
I have contacted Chase to settle to correct balance contingent on a Amortization Schedule. They have since sent the account balance to a collection agency who attempted to settle the balance but unwilling to correct the 3 lates on my credit report. <P/>I believe it is Chase 's responsibility to validate the debt they say I owe. I made all 60 payments on my loan and should not have an outstanding balance of over {$900.00}. Payment history will show that even on later payments I paid more than the minimum as well as payments that were on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-13 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: United Collection Service, Inc (FL)
State: FL

Complaint narrative:
****THIS IS NOT A DUPLICATE COMPLAINT*** *****additional information is attached. ***** Recently I disputed these accounts on my credit report, and I noticed accounts from your company are still being reported on my credit. I am highly upset about the information that you are reporting about me. I do not owe your company any money. Additionally, I know it is illegal for a collection agency to collect on behalf of another one. How can a collection agency extend credit to consumers? They simply ca n't. Since you ca n't produce a contract between me and  United Collection Service  these accounts need to be deleted from my credit report. You are in violation of both the FDCPA, HIPPA & THE FCRA. If these listings are not removed from all  3 o f my credit reports, I will report you to the proper agencies and possibly seek monetary damages for violating my consumers rights.  <P/> In th e US  law encyclopedia,  XXXX   XXXX ,  73 Am Jur 2d.  Sections  90-93  ; it says that one can not subrogate onto a contract that they were not originally on, did not have any interest to protect, and then claim successor in rights and interests. Thus, when an original credit sells the debt, they give up their rights to collect on the debt, BUT they do not give those same rights to the collection agency. The collection agency can not act as a substitute for the original creditor.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: MD

Complaint narrative:
I noticed a collection account on my credit report for a company with which I have never done business. Fair Collections and Outsourcing claims that I owe {$10000.00} to them. I sent a certified letter to dispute this accusation and request validation, the company received and signed for the letter onXX/XX/XXXX. I have the electronic signature confirmation from the US Postal Service as proof. This company is required by federal law to place a " notice of dispute '' on my credit report within 30 days of receipt of my dispute. They failed to do so. I pulled by credit report again on XX/XX/XXXX and there was no such " notice of dispute. '' I have retained a date stamped copy as proof. They are in direct violation of the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. I sent another letter which they received and signed for onXX/XX/XXXX.  This letter was to inform them that they violated the law and instead of pressing charges, I would be willing to refrain from further action in exchange for a deletion from my credit report with the 3 major credit bureaus. I have not yet received a response from them. This is very damaging to me and I think it is very unfair for a company to be able to break federal laws with no consequence. Please help.

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 2017-06-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc.
State: MD

Complaint narrative:
To Whom It May Concern : I am a new costumer with Caliber Home Loans and have experienced many issues with the mortgage company 's automatic payment system. There is a general lack of record keeping that is worrisome in such a way that the costumer can not view previous payments that have been posted or the financial transaction history. This has resulted in me having been double charged for a recent mortgage payment. In cases of automatic payments this is especially problematic. For example, for my mortgage payment in the month of XXXX, I had set up an automatic payment from my personal bank account. However, the costumer has no way of knowing whether a recent payment has been posted or is pending. Based on this, I made a payment manually. But the next day I had 2 payments posted back to back. Any other major credit systems have options that clearly display the next scheduled payment. Caliber does not.
The management team is also unresponsive. I have contacted Caliber Home Loans and asked to speak with supervisors many times. Their team members have told me that the company is notoriously bad at handling double payment charges and I should instead go through my personal bank to dispute the double charge. I have requested to speak with a supervisor, however, I have not been contacted by a manager and it has been two weeks since the incident.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC.
State: IL

Complaint narrative:
What is this complaint about? I just received an email on  XXXX   XXXX ,   XXXX   that I have a payment due. I did not receive correspondence fro m Navient indicating  that I had to make a payment.     : What type of problem are you having? I am still unemployed and I am uneligible for unemployment so I sent Navient an image of my unemployment account to proove that I dont have income coming.     : What happened? My  " Navient Accou nt states that I am late on and missing  XXXX  loan payments What company is this complaint about? The complaint is a bout Navient Wh o are the people involved?  XXXX   XXXX  an d Navient I w ould like all deragatory information removed from my account. Why doe s Navient have the nerve to mess up my credit report by sending me a late notice about my account and second I am not working.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A.
State: NV

Complaint narrative:
Citi sent me two letters saying that I may of been enrolled without me consent in a Credit Protector and was charged a monthly fee. when I try to go to www.Citi.com/RefundInquiry the site jumps you all over  from tax refunds to other government refunds available. Citi has now sent me a FINAL NOTICE of filing for refund with the same web site and same results.

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 2017-06-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
When I checked my credit report I saw that a company called XXXX XXXX XXXX was reporting that I have an account with them. They are reporting that I have a balance of {$7300.00} and I have a past due balance as payments have not been made. Once I noticed this on my report I immediately sent a letter to dispute and request valid proof that I owe them this debt. They received and signed for my letter on XXXX XXXX 2017. I sent the letter certified mail and received a signature confirmation. They sent me a response on XXXX XXXX 2017 stating that they do not have any documentation with my signature or any valid proof that I have any contractual obligation to pay them. All they have are statements showing a purchase which is not considered valid proof under federal laws ( FDCRA, FCRA ). I sent them a response letter again requesting validation of the debt ; I informed them that if they can not validate the debt they have to remove the information from my credit report by federal law requirements. They received and signed for my letter on XXXX XXXX 2017.  They never responded and they also failed to add a " notice of dispute '' to my credit report within 30 days of receiving my original dispute letter. On XXXX XXXX 2017 I pulled my credit report and saved a dated copy as proof that they did not add a notice of dispute. I sent another letter to inform them that they violated the law and should remove the derogatory and incorrect account from my credit reports to prevent further action. They received and signed for my letter on XXXX XXXX 2017. I even spoke to them on the phone on XXXX XXXX 2017, I was informed that no investigation had been opened and that they would open one now which could take up to 60 days to complete. This is unacceptable. They do not have any proof to validate this debt and therefore they are in violation of the law of they continue reporting it.

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 monetary relief