vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-01-08 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: KEYCORP
State: NY

Complaint narrative:
While in college I utilized Key Bank for XXXX XXXX Loans in order to pay for tuition that was not covered by financial aid. Recently the loan servicer changed to XXXX. I had thought payments had been made to XXXX, however my cosigner received documentation that I have defaulted in the loans. I have received phone calls from Key Bank, but only during hours I am at work therefore can not answer the calls. I have no idea how to access the account through Key Bank or any other servicer in order to develop an affordable plan to get out of default. I need to keep in mind that {$600.00} a month already goes to federal student loan payments. I do not know the account number. My cosigner received 7 letters from Key Bank on XX/XX/18 that according to them were in a threatening manner. My cosigner is now elderly, has limited income and in a frail medical state therefore he can not be contacted especially when I have not been able to speak to anyone.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
I was working with XXXX XXXX XXXX XXXX , XXXX to close on a house we were interested in. Total loan amount was XXXX. The appraisal came around XXXX which makes our ltv around 83 %. I was advised that once I reach 80 % of the appraised value i can get rid of my pmi which is around {$230.00}. When checking the loan docs, it stated that pmi can be taken away when ltv reached 80 % of original purchase price. When questioned abt this I was reiterated this multiple times that the pmi will go away once i make payments to reach 80 % ofthe appraised value. 
One month after closing, i was informed that the loan has been transferred to wells fargo. When i called them to inquire abt making additional payments to reach 80 % ltv, i was cited the loan docs and was told that ltv is calculated based on original purchase price. They said thats the terms of the loan that was transferred an that i should talk top interstate home loan regd that. 
There was no response from the firm. My loan agent from XXXX, XXXX XXXX wouldnt return my calls. Somehow managed to reach someone from iXXXX XXXX XXXX where i was told that XXXX is no longer with them. And that they will get back to me. No one has reached out to me yet and I'm being forced to refinance increasing my total loan amt by atleast XXXX. My latest appraisal evaluates my home value at {$290000.00}. Which makes my ltv around 74 %.

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 2019-01-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Pacific Union Financial, LLC
State: OH

Complaint narrative:
I have requested that a new escrow analysis to be completed due to the fact that my real estate taxes ahave been reduced, due to a homestead exemption credit. I faxed over a copy of my new tax bill on XX/XX/2019, and Pacific Union paid my new lower tax bill amount of {$2200.00} dollars per half on XX/XX/2019. Previously my taxes were {$2700.00} per half and I have received over {$1000.00} tax credit per year. My recent tax bill reflects both the new half year amount of {$2200.00} and {$4400.00} per year. However Pacific Union refuses to lower my mortgage payments to reflect the new tax amount, and they are also charging me a shortage of {$170.00} per month, however my escrow account is not short and has a surplus currently in the account. I have called several times and faxed in documentation to prove the new amounts. However Pacific Union still refuses to lower the mortgage payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Credit card company forcing arbitration
Company: FIRST NATIONAL BANK OF OMAHA
State: NC

Complaint narrative:
The First National Bank of Omaha card agreement requires me and the bank to resolve all disputes through only the XXXX XXXX XXXX ( " XXXX '' ). 

A dispute arose between me and the bank. I filed a case with XXXX. 

XXXX sent me the attached letter, declining to administer the case because First National Bank of Omaha has a history of failing to pay XXXX. 

As of today, First National Bank of Omaha continues to list arbitration through XXXX in their card agreement. Clearly, they have no intention of arbitrating when a dispute arises.

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 2019-01-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Diversified Adjustment Service, Inc.
State: FL

Complaint narrative:
On XX/XX/XXXX I cancelled an account with XXXX XXXX XXXX because I was highly dissatisfied with their service, I asked for and received the current billing amount owed at the time returned all of the leased equipment and PAID THE ACCOUNT OFF IN FULL! 
I am providing the receipts and emails, there were several collection agencies that I submitted the files to, XXXX would simply hire another, I finally explained I no longer determined this to be an attempt at debt collection seeing as I submitted proof of payment but it was now in fact harassment, In checking my XXXX  credit report I see the erroneous billing included in my credit report! 

New collection DIVERSIFIED ADJUSTMENTS XXXX  XXXX, XXXX, XXXX BUSINESS NAME/ADDRESS BUSINESS TYPE ACCOUNT TYPE/STATUS BALANCE DIVERSIFIED ADJUSTMENTS XXXX XXXX XXXX XXXX XXXX XXXX, MN N/A UNPAID $ USD XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
My wife and I have a credit card account with Citibank. In fact there are two accounts with them. This month my wife and I both submitted payments in the amount of {$370.00}. She made a payment on the XX/XX/XXXX and I made one on the XX/XX/XXXX. It is quite obvious that this is a mistake since both payments were in the exact same amount and also made one day apart. There was no notification that a payment had previously been scheduled. When I tried to have this corrected by Citibank I was given the run around. Transferred to numerous different people in different departments. They informed me that they needed to speak to my bank and I was not able complete what they needed because I am currently out of town on business and do not have access to all of the information I needed to allow my bank to give them the information they needed. This is a very simple mistake and they should simply correct it. They are purposefully making this difficult for no reason.

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
Consumer complaint received 2019-01-08 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit Collections U.S.A., L.L.C.
State: WV

Complaint narrative:
Did receive about this

Company response to consumer: Untimely response
Consumer complaint received 2019-01-08 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: VA

Complaint narrative:
I co-signed for a loan for my granddaughter with Sallie Mae while she was in school at XXXX. They tried to make her start paying for the loan while she was in school. After graduation, she setup payment with Sallie Mae. Then Navient took over and double the payments and double the amount that she borrowed. They said that she had not paid enough on the loan. Now I received letter from XXXX XXXX offering me a settlement to get my name off the loan but saying that she would be still responsible for the total amount owed. No one has contacted my granddaughter by phone or mail. They have been just contacting me with an abundance of letters demanding repayment from me for co-signing the loan. I am going thru XXXX with XXXX and do not have what they are asking for to settle. I have requested that they work with my granddaughter since she is still paying Navient.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-08 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: DC

Complaint narrative:
I have a loan with XXXX XXXX. 

I paid off one of my loans in full on XX/XX/2018. The loan was " DIRECT UNSUB STAFFORD LOAN '' and had a balance of {$200.00} when I made this payment, and I directed exactly {$200.00} to be paid against this loan. Somehow, XXXX XXXX is still showing that I have a balance of {$1.00} on this loan, which is the amount of interest I paid on the loan on XX/XX/2018. 

I do not understand why the loan still has a balance. I paid it off in full on XX/XX/2018. Is this happening to other loan re-payers as well? Is the servicer artificially maintaining our loan balances as a way to exact additional funds from us? 

I would like an explanation of this, or a corrective action to be taken against the servicer. If I am repaying loans in full but STILL being charged interest, that is a major issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-08 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Life Line Billing Systems, LLC
State: FL

Complaint narrative:
I have contacted XXXX  they were not able to validate this debt # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-08 00:00:00
Product: Credit card or prepaid card — Store credit 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: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
On XX/XX/XXXX I ordered a queen size XXXX  brand memory foam mattress from XXXX seller storefrontXXXX using PayPal credit. I received my item on XX/XX/XXXX. The item was drop shipped from XXXX and came in a plain cardboard box. I opened the memory foam mattress which come compressed in the box. Once you open these mattresses they expand to full size. Because the seller shipped this item from XXXX and selected the option for 'gift ' there was no paperwork to indicate the size, nor any indication on the box of the actual size of the mattress. When I opened the mattress, it expanded to full size and only then did I realize that I was sent a twin size mattress, and not a queen size. I immediately started the return process and the seller agreed to take the item back for a full refund. The seller provided a shipping label, but the label was not for the proper size item. Now that the item had expanded, XXXX would not accept it. That same day I attempted to contact XXXX, where the item was shipped from, to arrange a large item pickup ( a service they offer in these cases ). XXXX told me that because I did not purchase the item, that I could not make those arrangements so I contacted the seller to request advice on sending the item back. On XX/XX/XXXX, at XXXX EST, I contacted XXXX  support because I had not heard from the seller and needed assistance returning this item. I was told by XXXX  support that they would reach out to the seller to request arrangements for shipping and that if the seller did not respond by XXXX the case would be decided in my favor and I would receive a refund due to XXXX 's buyer protection. On XXXX I received an email stating that the seller asked XXXX to close the case and it was decided that I would not receive a refund. The seller still never responded to any of my messages and XXXX made no attempt to contact me about the case prior to closing it. The case was also closed early, without allowing me the full amount of time to send the item back. On XX/XX/XXXX, at XXXX I contacted customer support at XXXX who told me the decision could not be overturned and that I would need to contact paypal for further investigation. PayPal has refused to accept my dispute or appeal unless I pay for shipping the item back to the seller which would cost in excess of {$150.00} when the seller could easily just contact XXXX and arrange shipment.

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 2019-01-08 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: Ascendium Education Group
State: TN

Complaint narrative:
ASCENDIUM EDUCATION / XXXX XXXX XXXX WENT ON MY XXXX AND RUINED MY SCORE FROM ''XXXX  '' TO ''XXXX '' AND THIS IS NOT ACCURATE ITS OLDER THAN 10 YEARS WAS OPEN XX/XX/2007 BY XXXX XXXX/ XXXX , IAM AM CURRENT I DONT KNOW WHY THEY KEEP DOING THIS THE OTHER 2 CREDIT BUREAUS ARE THE SAME WAY RUINING MY CREDIT I CAN NOT GET ANY LOANS WHAT SO EVER ... ... I HAVE PROOF THIS LOAD IS NOT ACCURATE AND ITS OLDER THAT 10 YEARS ... .. 

CURRENT LANDER IS ''XXXX  '' XXXX XXXX..

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-08 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Nationwide Recovery Systems, Ltd
State: FL

Complaint narrative:
No knowledge of this debt company was not able to validate this debt being owed

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
In XX/XX/XXXX received a market solicitation from Capital One that provides for a 12 month 0 % interest balance transfer. It the time my credit card balance with Capital One was {$0.00}, my credit score was north of 720, and no delinquencies with any creditor. I completed the balance transfer on-line on XX/XX/XXXX for $ XXXX. My credit line was $ XXXX. On XX/XX/XXXX - Capital One issued my statement and charged my account interest of {$110.00} and charged the transfer as a purchase with a rate of 21.65 % APR. On XX/XX/XXXX - I called Capital One and told them about the purchase error. I was told that it was a known issue with ALL balance transfers made after XX/XX/XXXX and it would be corrected in 3 business days. I called back 5 business days later because it was not fixed. I then told it was going to take 2 billing cycles to correct. I was told I would be receiving a letter explaining the error. I called again on XX/XX/XXXX and the problem is still not fixed. I explained to the agent that credit bureaus were receiving incorrect balances and understating my available credit.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-01-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I met minimum spend requirements for my XXXX bonus miles on the AMEX gold card and they never gave them to me. I tried contacting their customer support ten times and they never resolved the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-08 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: FL

Complaint narrative:
XX/XX/2017, contacted by XXXX to turn my vehicle in before end of lease. Went to XXXX dealership and decided we preferred a XXXX instead. The dealer, XXXX XXXX XXXX, has several dealerships, one of which is a XXXX  dealership, and the XXXX salesman referred us over to XXXX in XXXX. They did confirm before we left that our vehicle was worth its value for trade. 

Same day, we went to XXXX dealership, found a XXXX, and negotiated the trade-in of our XXXX for the XXXX. 

Less than a month later, we received a notice of repossession for non-payment on the XXXX. When I called XXXX XXXX, they told me to disregard the notice. We also called the dealership, and they apologized, saying that delays were causing this, and actually offered me money to make up for the aggravation ( never received any money, by the way ) ... After calling both the financing company and dealership, I wrote to both of them. No response. 

I then found a charge-off on my credit report for more than {$4000.00}. Wrote again and requested it be removed. No response. 

After a year of writing and trying to resolve, I reached out again to the dealership. They provided a cancelled check made out to Nissan-XXXX. I called Nissan-XXXX, and they advised that the check was only a portion of the payoff. After several calls back and forth, XXXX suggested the dealership call them directly. During our most recent call with XXXX, they advised that they never received a request for a payoff from the dealership. I know they called, because I was at the salesman 's desk when he made the call on speaker phone. 

From the day we went to XXXX XXXX XXXX, a lot of things were fouled up. The salesman was very nice, but we sat there all day and, right before closing time, they had me sign docs, told me they would finalize everything and get my down payment when the car came in. Did not provide me with a copy of my closing package, took a week to get the car ( we had to call THEM to find out what was going on ). My new lease payment statement didn't arrive until AFTER the due date for the payment, had to hurry and call and clear that up. There was a major delay in processing the paperwork on the new lease. 

I know we are not at fault here and just don't know what to do at this point. Feeling very manipulated. : (

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-08 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: SC

Complaint narrative:
XX/XX/XXXX I I had to fill a application for special assessment as legal residence. XX/XX/XXXX I did that and XXXX. County mailed me a check for Back Taxes paid I called Rishmore I gave them permission to draft out the check from XXXX County to pay back escrow account my check amount was XXXX confirmation # for payment is XXXX. I talked to. A person named XXXX would not give me last name told me to send this year tax assessment and they will fix the monthly payments.the tax payments were XXXX last year. and now XXXX are XXXX On XX/XX/XXXX they applied it to house payment. I called them again. And they said they had not filed it right and once more tried to put it in as a house payment. They have not fixed this problem and I keep asking for a supervisor and I get no supervisor. I have no clue what my monthly payment should be. the actual payment was XXXX and they can not give me a reason to try to. Charge me XXXX. The taxes are less they have said it's a mistake on their part. And they would expedite this Asap. I CALLED again they told me they put it in a house payment I dont have to pay till XXXX. I told them Again stop putting my escrow in the principle payment. Again I was told they would expedite it immediately .they gave me false address to mail tax bill. And gave me a name XXXX phone XXXX. If you call. XXXX 's not there. Please help me. No one in that company will update the monthly payment correctly and want to force me to pay a higher monthly payment. I can not afford a higher payment. And I even had A mortgage broker to talk on a 3 way call to explain the issues and they never corrected it and continue convey to me it's their fault.but no resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
XXXX XXXX / XXXX XXXX XXXX WENT ON MY TRANSUNION AND RUINED MY SCORE FROM ''XXXX  '' TO ''XXXX '' AND THIS IS NOT ACCURATE ITS OLDER THAN 10 YEARS WAS OPEN XX/XX/2007 BY XXXX  XXXX/ XXXX , IAM AM CURRENT I DONT KNOW WHY THEY KEEP DOING THIS THE OTHER 2 CREDIT BUREAUS ARE THE SAME WAY RUINING MY CREDIT I CAN NOT GET ANY LOANS WHAT SO EVER ... ... I HAVE PROOF THIS LOAD IS NOT ACCURATE AND ITS OLDER THAT 10 YEARS ... .. 

CURRENT LANDER IS ''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 2019-01-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Ditech Financial LLC
State: MA

Complaint narrative:
In attempting to refinance my 40 yr mortgage to a 15 year mortgage ( Which I believe we were completely taken advantage of during the recession ) declined us stating a lien was placed on our property - with no proof of such a lien even exists. In the meantime my credit report is good and my standing with Ditech is good - always on time. I believe they are deliberately trying to keep us in the 40 year loan solely for shear profit making. 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