vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-10-01 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC
State: CA

Complaint narrative:
Our loan was transferred to Nationstar from XXXX XXXX XXXX, Nationstar denied our loan modification because of XXXX reasons as my representative told me. 1. Negative NPV 2. due to our history when trying to obtain the previous modification ( with XXXX XXXX XXXX ) 3. we skipped a payment towards the end of our previous modification that was up late last year. 1A-Our NPV is negative and not passing mainly because Nationstar is not willing to extend the term of the loan, not willing to defer or forgive anyting. We owe over XXXX and the value of the property is XXXX. The only term they are entertaining is 234 months 2A-when we tried to get the previous modification, we were in review for a long time, IT IS NOT because we did n't want to make an affordable payment, it is because we were in a lonnnnnnnnnng review where documents went missing and got out dated and relationship managers kept getting changed. Additionally, while in review with XXXX XXXX XXXX, the loan got transferred. XXXX XXXX XXXX gave us the run around for years and would n't work with us. Nationstar gave us only one option, it was a 2 year Interest only loan which adjusted this year to Prinicpal and interest to 4.0 % principal and interest. We went from having a XXXX loan to around {$800000.00} loan, now ineligible for any government programs since our loan amount is over the XXXX threshold. Our payment has more than doubled, we are upside down, and nobody is willing to defer or forgive anything to help us. we know they do n't have to, but i ca n't help but feel whatever the lender is doing, or has been doing, is to collect fees, interest, until we hit the end. Why could n't they give us a step rate modification? or meet us in the middle somewhere? Instead we were given a modification that would XXXX, it now adjusts every month and we are over XXXX upside down. 3A- we did n't skip the payment, we did n't know what the payment was because we got several different mortgage statements with different payment amounts and it was not until the modification was over. There are phone records of these conversations when i called the bank regarding the statements and why they are all indicating different breakdowns, interest rates, and payment amount

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-20 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
XXXX XXXX XXXX bank issued an unauthorized credit card with no signature on an account. XXXX XXXX XXXX bank submitted fraudulent contracts to support claim. I am a victim of banking " cross sales '' tactics which are illegal and currently under investigation at XXXX XXXX bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-09 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Experian is reporting inaccurate information on my credit report that needs to be deleted. 

Incorrect Names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Incorrect Social Security Numbers : XXXX XXXX XXXX Incorrect Addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2017-01-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
Navient has twice " misallocated '' my payment and automatically enrolled me in forbearance in an effort to raise my interest rate. I uploaded a copy of my bank account statement to the Navient website proving the payment had been made. Once I proved the payment, Navient claimed it was a " back office '' issue and a hold would be placed on my account for 10 business days to resolve the issue. I called back 10 business days later and the customer service rep claimed there was no record of me ever calling and placed another 10 business day hold on my account to solve the issue. 10 business days later the issue has not been resolved and I keep getting harassing calls from Navient despite the hold being placed on my account. I am writing this today because the CFPB has filed a lawsuit against Navient for the reasons I have described above.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-17 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
wells fargo bank advised my title company XXXX XXXX XXXX XXXX Florida, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX XXXX Tel that the amount needed to pay off my home mortgage loan was {$140000.00} when in actually the payoff was {$140000.00} the first amount they said included interest and they supplied a payoff letter that I will be forwarding to the IRS for the interest it appears they are manipulating numbers and in addition they did not respect my privacy giving my personnel cell phone number to a XXXX appraisal company that called me I asked who gave you my number the lady advised wells Fargo did their telephone XXXX XXXX received several calls from this business and a technician I never called them or requested their service violating privacy rules my real estate agent and the title company mentioned above stated that working with wells Fargo was a nightmare they stated it appeared they did n't want the property to sell and go into foreclosure this is my complaint I will continue with a complaint to the 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 2015-09-28 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: ALLY FINANCIAL INC.
State: AZ

Complaint narrative:
I have a car loan with Ally financial. My bill pay did not pay one month in XXXX 2015, and I did not know this since it is an automatic bill pay. I paid for XXXX on time and they charged me XXXX for a late payment charge. I think this is excessive and unfair practice. That fee is over 80 % interest rate which is loan sharking. No bank that I know of can charge that much for a late fee. I want to know why it is so much and why they have a right to charge that kind of a fee for being late for one month.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-27 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I 've been XXXX ( XXXX XXXX ) credit card holder since XX/XX/XXXX. My credit line was {$20000.00}, I never went over the credit line limit and have always paid my balance on time and in full. This credit card has a reward program with 2 % cashback on each dollar spent. 

My credit card was suddenly closed by the credit card company in XX/XX/XXXX. When I called to inquire about the reason for closure I was told that the credit card company can close any account for any reason or no reason. I legitimately earned {$180.00} cashback which I tried to redeem but was not able to do so, online nor over the phone. I was told the rewards were forfeited because the credit card was closed. 

The rewards show in my account as available as of today XX/XX/XXXX, I earned these rewards ( cashback ) by using the credit card. I did n't do anything against the terms of service but XXXX XXXX XXXX does n't want to pay the rewards. 

Please help me to deal with this company to get my rewards of {$180.00} I earned. Thank you.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-29 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
TD Bank Mortgage continues to refuses to send me a billing statement for each billing cycle. 

TD Bank Mortgage is not crediting my payment on the day they receive it, and is waiting up to a week after my check is cashed to credit my mortgage account. 

I would attach docs to demonstrate this, but TD Bank is already aware. Also, CFPB has made it clear that they do not follow-up on complaints that get a response from financial institutions and are disputed by the complainant. The CFPB works for your bank!!! The CFPB will accept any response by financial institution as fact. Look at the database and see how often the CFPB " chooses '' not to publish the financial institution 's response.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-28 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Cedars Business Services, LLC
State: GA

Complaint narrative:
I worked overseas in XXXX XXXX at the XXXX. This company forces all its new employees to take out loans for housing. I took out the loan and paid on the loan until I left the company and moved back to the states. I called the company where I got the loan, ( XXXX ) in XXXX XXXX to explain my situation to them but they refused to speak with me or set up any payments unless I paid them a huge payment. 
Within a few weeks Cedar Financial started calling me. I spoke with several Cedar Financial representatives and informed them I was n't working and once I started working I would make payments on the loan. They refused to listen and one even suggested I go back to my old jobs. They continue to call and leave messages on my phone. They have been harassing my daughter by calling her consistently. She has nothing to do with this issue and when I 've tried to call them to demand they stop calling me and my daughter they say they ca n't find any information regarding them calling me nor can they find me in their system. Yet they continue to call. Almost daily. 
They call my daughter while she 's at work, in the morning and in the evening. This needs to stop. I do n't want them calling me and I will make payments when I find a job. Until then, I do n't need to hear from them. I do n't appreciate them bothering my daughter with this and we are both being harassed by this awful company. One last note, my daughter 's name is n't on this loan and she was in the States when I was forced to take out the loan. 
I had no intention of telling my daughter about the loan but Cedar Financial took it upon themselves to involve her in this situation. I fear they would call someone else in my family if they knew where to find them. I do n't like that. I do n't like everyone knowing my financial situation and Cedar Financial tries to shame people by releasing private financial information about them to family members

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-16 00:00:00
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: LD Holdings Group, LLC
State: TX

Complaint narrative:
This is the second email message I have received : Rate Information for XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX via XXXX XXXX XXXX ( 3 days ago ) to me Hi XXXX, New rate information has been posted. 

Please use the link issued below to obtain our new rate and contact us with any other questions. 

Check our new rate in Texas. 

Sincerely, XXXX FHA Rate Guide FHA Rate Guide XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX NY, XXXX This message is not affiliated with XXXX XXXX. 
To stop receiving our emails please unsubscribe. 
I contacted XXXX XXXX XXXX my mortgage lender and they stated this is a fraudulent email that it does not use email messages. I completed the information requested when I received the first email. Upon completion LoanDepot name showed up. LoanDepot has made several attempts to get me to make a loan from it to consolidate bills and I refused. LoanDepot stated that due to my credit score I did not qualify for refinance on my mortgage loan. However, LoanDepot continues to call me via telephone and send bogus emails. I do not know what can be done in this regard. However, any assistance you can provide is greatly appreciated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-09 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CCS Financial Services, Inc.
State: NV

Complaint narrative:
I received a notice from this company that says I owe them XXXX. I do n't know who they are or why they assume that I owe them. The notice states that whatever this is they reported to the credit bureau. The name of the debt collector is : Credit Collection Services out of XXXX, MA. The Company they are collecting for is : XXXX XXXX XXXX Co. I want some specific details on the who, what, where, when, and how. I have health insurance through my employer and auto insurance through a Company in the mid-west. I 'm going to file a complaint with the Department of Insurance as well.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-13 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IN

Complaint narrative:
We lost our home to a house fire in XX/XX/2016. After calling to file a claim to insurance we found out that our Private mortgage insurance which was being paid by our mortgage servicer through escrow was not paid by them and we had no insurance coverage other then what the bank had placed on our home to protect their interest. We have had same insurance for 10 years never changed and then bank fails to pay and all we are left with is a check to cover their interest. They said letters were sent to inform us this but instead of them just paying our PMI they payed for force placed insurance even though the money was in our escrow account. Why did n't they just pay our insurance policy that was escrowed? Now we are left with a home burnt to the ground and nothing else except a check to cover the banks interest. The money was their to pay it and I was told by 5/3 bank that the reason it was not paid was because there was no premium amount on direct invoice. I feel like that is a little sloppy on banks part when they are suppose to be taking care of something. I was called by 5/3 bank and asked if we still had our PMI and I stated yes and they still let our policy lapse and now we have nothing. We had our account escrowed for that reason. One so our taxes and insurance for paid every year so we would not have to come up with a lump sum at one time to cover it. So we do what we think is the best thing to do and instead we should have payed our insurance on our own if we knew we were going to have to baby sit the bank and make sure our premiums were paid. I do n't feel that we are at fault here. They said they sent repeated letters to let us know nothing certified though. So now we are left with nothing!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-14 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: TD BANK US HOLDING COMPANY
State: MD

Complaint narrative:
I have been trying to close my account and the bank wo n't let me because they said that my account has to be {$0.00}. I wanted them to either send me the money back ( in form of a check ), or send me a bill for whatever amount is due. Because the account is not closed, automatic debits keep hitting the account and continuing to charge me fees. My point is that it 's a bank. Either send me a check for the amount in the account, or bill me. But I want the account closed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-04-03 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
I was having difficulty accessing my accounts with Santandar through their online banking. I called the XXXX XXXX on the recorded line. After identifying myself through their automated system and changing my pin #, I was connected with XXXX, a represntative. I reviewed my difficulty with XXXX and he asked if he could ask me questions through public recored to confirm my identity. Although, I was confused why they would use public record as a means to confim my identity, but nevertheless I agreed. He asked me my name, address, and social security number. After a pause, he stated that he could no longer help me and that I needed to go to a branch. I was astonished that these were the " tough '' security questions that he asked and even more surprised that his service solution was for me to leave work and go to a branch. Clearly those questions are the very bare bones of identifying someone and I expected a deeper inquiry but received none. I asked to speak to a supervisor and XXXX stated that the supervisor would only state the same thing he did and that XXXX ( actually XXXX ) did not wish to take my call. I insisted and asked to wait to speak to a person in charge. i re-iterated that I did not wish to cause any trouble but wanted help to my issue and not deal with a branch. XXXX eventually picked up my call after the transfer and I reviewed my issue with her. She blamed the " system '' that her and XXXX use and stated their was nothing further to be done. I begged her to please ask me more difficult questions but they declined. I was open to alternatives to resolve this but XXXX and XXXX were not even remotely interested in exploring any other means. Remember, i was able to change my pin but they could n't ask me the amount of my HELOC payment. I told them that their service was poor and uncreative in spite of a basic request. I asked for her supervisor as I desired to provide sorely needed feedback and to explore further assistance if possible. I received no name, no phone number, no email to which I could address my complaint. I did receive a Client relations address to hand write a letter to. I also asked why she told XXXX that she did not wish to speak to me and or hear about my issue. She denied that that happened and in turn made XXXX a liar. Please remember this was a recored line, so there should be no dispute about any of this.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed
Consumer complaint received 2016-08-23 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: TN

Complaint narrative:
I have sent financials and request for modification to my mortgage co. SPS Several time over the last 2 years. Select Port Folio has been rude and not willing to help me. I want to keep my house. I received a letter from XXXX XXXX XXXX stating that my property will be sold XXXX XXXX, 2016. The property foreclosure letter was received 15 days prior to the property foreclosure sale. See Attachments In Tennessee it is the law notice of property foreclosure sale has to be sent to the Homeowner 30 days prior to the sale They have the paper work to modify my mortgage. Please HELP

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-09 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Ive initiated several disputes with Transunion over the last year for erroneous accounts that are not mine. I '' ve followed every step they 've outlines and that your site has told me to do. Still having issues with some accounts because Iguess they want to collect more money from these creditors because they get paid to report negative. It 's hurting my family. below are some documents i sent to them on several occasions. It really seems they keep accounts/collections on credit reports because the credit bureau will make more money the longer it 's there. Company XXXX XXXX XXXX XXXX XXXX XXXX XXXX are one in the same but neither one can really help ... .... So how is it the bureau claims to have all the info nut they ca n't find me in their system ... I think me and millions of americans are being lied to by the credit reporting agencies. Hope the fines keep coming. This is ridiculous. 

I 've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov I 've completed and sent a fraud affidavit via certified mail. I can see they received it but nothing has changed. See supporting documents. even the USPS tracking. Also attempted to contact XXXX XXXX XXXX XXXX XXXX XXXX XXXX per the address listed on my credit report and the letter got returned. I sent it to the bureaus and they ignored it. Please help if you can 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