vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-04-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Army and Air Force Exchange Service
State: VA

Complaint narrative:
I am retired  XXXX  member with a account in Army and Air Force Exchange Service Collections Dept. I have been in a financial hardship and in financial dire straights since garnishment of my  XXXX  benefits began from AAFES back in  XXXX    XXXX  . I only have my  XXXX    XXXX   pay and   XXXX   Benefits to live off. I have not been employed for the past 2 years Since my balance is well below my original  Military Star  account credit line of {$5000.00}, however, AAFES is continuing to garnish my pay  XXXX  Benefits for {$240.00} per month plus charging interest on a non active closed account. The company is causing me a serious financial hardship. I am not asking for the collection to stop, just for a account adjustment on the monthly collection payments now that my balance is now only {$2500.00}, Can you please authorize normal monthly credit card payments based solely on my current balance, as the credit card payment center would normally charge? The current of {$240.00} be collected is causing a extreme financial hardship, my balance has come down, however, I have bad payment history because simply I have no incoming affordable income to to pay account off. I am requesting one of the following : Sell my current loan account to another finance agency, institute regular credit card payments on my current balance, authorize a lower payment, lower my interest rate, or just simply accept what I can mail in for payment, but please stop the collection garnishment. As of right now, now I can only afford to pay a normal credit card payment based on my actual current balance until I gain reasonable employment.

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 2017-04-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OK

Complaint narrative:
This company do not have the account any more. Do n't no why they keep calling and bulling me, my family members and friends. Maybe its because I solved a case for them. They should give me award instead of trying to bull me. Maybe its because there clients daughter works for them. These company need to have the same practice for all clients. If they are employees there family and friends get there accounts cleared or so I heard. ( Allegedly )

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Seterus, Inc.
State: VA

Complaint narrative:
seller is deceased and heirs put property up for sale. The property is encumbered with  XXXX  mortgages and the  XXXX  is being paid in full. The  XXXX  approved a short sale on the property and when we requested the payoff on the  XXXX  we were unable to get the figures from the lender. The lender is foreclosing on the property  XXXX  and we have an offer that can close later in the week with a full payoff including all attorneys fees. We are trying to get a postponement on the foreclosure so we can settle the new buyer and payoff the entire balance. I contacted the law firm conducting the sale and they claimed that they have notified the servicer but that they are not obligated to even acknowledge the request.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: MI

Complaint narrative:
I called my lender, Navient, and advised them that I was unemployed and/or when employed, my income was below what any affordable payments possible. I have  XXXX  dependents, and my spouse is a  XXXX  Veteran. I was recently informed of the Income Based Repayment Program, however, I was placed on Forbearances for many years. During these years, I SHOULD have been provided the option and information regarding th e Income Based Repayment Plan.  If I was offered this option, I would be much closer to the end of my plan, as I graduated in  2006 .

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: PRIMELENDING, A PLAINSCAPITAL COMPANY
State: TX

Complaint narrative:
I am closing on a  XXXX  home in  XXXX , TX with the builder 's approved lender, Prime Lending as the lender.      XXXX   XXXX   17 : I  locked my rate for 60 days.     Given the following closing dates by the builder  XX/XX/XXXX       ( Verbal ),   XX/XX/XXXX ,  XX/XX/XXXX ,  XX/XX/XXXX ,  XX/XX/XXXX . Received an initial closing disclosure for  XX/XX/XXXX .      XXXX    XXXX    17 : M y rate lock expired because the builder still could not complete the home. Was told by the loan  Officer,  that I would have to pay a  1/4 penalty f or the lock expiring and lock at worst case rates. Was told new rate would last till  XXXX   XXXX   17.      Eventually told interest rate would be 4.375  % ( o riginal rate ) even though prevailing rates were 3.875 % - 4.000 %. Provided proof of a loan estimate from another lender at 3.875 % but they would not move on the rate. Also, my float down option went away completely. They eventually offered to pay for the rate lock expiration penalty, and {$880.00}.     Given new closing dates of  XX/XX/XXXX ,  XX/XX/XXXX , and  XX/XX/XXXX  Asked for a new disclosure several times, including via email on  XX/XX/XXXX  ,  XX/XX/XXXX , and  XX/XX/XXXX .       XXXX   XXXX   17 : Re altor asked for the builder 's representative,  XXXX   XXXX , for closing to be moved to  XX/XX/XXXX  or  XX/XX/XXXX  She refused and there are additional issues with home as well. In fact we will be unable to see our {$16000.00} wood floors until 2 days after closing (  XX/XX/XXXX  ) because they are being finished on the day of closing and dry fo r 24 ho urs. When asking to move the closing she also told me I would start accruing a {$200.00} a day penalty starting on  XX/XX/XXXX .     As of  XXXX    XXXX   on  XX/XX/XXXX I have not received the disclosure and my closing is tomorrow,  XX/XX/XXXX at  XXXX    XXXX   at a location  XXXX  miles from my current home.     I have consulted with the realtor and he recommended to file a complaint. It is both his and my understanding that when a rate lock expires, a new disclosure document is required and the 3-day window applies.     I have attached the last closing disclosure that I received.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-04-27 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I deposited {$94000.00} on  XXXX  at a branch in  XXXX , PA. They put  XXXX  holds on the account. Later they put an indefinate hold on the account citing that the maker bank put the wrong account numbers on the check. Then they said the check would never be honored and said the FDIC would write me a letter with no clear date or timeframe.     I am told today by  XXXX  that the funds have cleared the bank and they are not deposited into my account

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 2017-04-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
Please note that under Sections 605 and 607 of the Federal Fair Credit Reporting Act you are obligated within 30 days to delete obsolete information from my consumer credit file. The information being reported on my credit report is more than seven years old and exceeds the statutory time period under this Act and must be removed. The information to be deleted is as follows : Date : XX/XX/09 Amount : {$4800.00} Actions take by me : I have sent several letters via certified mail to all XXXX credit bureaus demanding that this erroneous information be removed along with an updated copy of my credit report that reflects the deletions of all XXXX credit bureaus.

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 2017-04-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: PNC Bank N.A.
State: IL

Complaint narrative:
Hello, I was issued a check from the CFPB on behalf of a complaint filed against National City Bank on  XXXX   XXXX ,  2015 a  nd the  check has now expired. I would like to have this check re-issued to me. I have the check and it has not been cashed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-27 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: MI

Complaint narrative:
In XX/XX/XXXX we got a Home Mortgage Equity LOAN, not equity line, originating with XXXX XXXX. At that time and with our poor credit we had to go with a high fixed rate of 12.25 APR interest. We signed up for a 15 year loan that is supposed to be completed in XX/XX/XXXX. After getting the loan we put our heads down and just kept it paid. My wife and I have been paying this loan for 11 1/2 years. Recently XXXX sold (? ) our loan to Select Portfolio Servicing ( SPS ). Today I received the first statement by mail from SPS and was very confused when the figures were computed. In XX/XX/XXXX we took out a 15 year Home Equity Mortgage Loan of {$25000.00} ( XXXX XXXX XXXX dollar ) with 12.25 % APR interest rate, and as of today we owe, according to SPS, {$24000.00}!! We have n't missed any payments and have paid on time. According to the statement, the payment due is {$260.00} a month with {$26.00} going to Principal and {$230.00} STILL going to Interest. I called them today to find out about getting the correct amount owed where it should be and the lady I spoke to insisted that the numbers were correct. So after paying {$260.00} a month for 11 1/2 years on a {$25000.00} ( XXXX XXXX XXXX Dollar Loan ), we still owe ( according to SPS ) {$24000.00}. According to these numbers we have paid approximately {$33000.00} in interest, yet only {$3600.00} has gone toward principle on a {$25000.00} loan at 12.25 % for 11 1/2 years. When I asked how this loan could possibly be paid off by XX/XX/XXXX, she stated that " there will be a balloon payment at that time ''. I then asked the amount of the balloon payment and she said " It 's not on here. '' referring to our paperwork By my calculations our " balloon '' payment will be {$12000.00} IF every monthly payment from this point is applied to the principle, which it wo n't. The other issue I 've discovered is that in XX/XX/XXXX, XXXX had our loan balance amount at {$23000.00} outstanding, but somehow SPS has increased that amount to {$24000.00}. So they are charging us an additional {$610.00} for a " Deferred Principle ''. I asked that we be mailed the paperwork SPS has for our loan and they claim they will send it in 5-7 business days. This must get sorted out or e will never be free of a loan that is supposed to mature in XX/XX/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 2017-04-27 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: Navient Solutions, LLC.
State: CA

Complaint narrative:
It goes beyond struggling to repay. I was misled into the loan by  XXXX   XXXX  employees getting compensation. As well, I was not informed about the many loans they took out to pay for the loan including the variable interest rates. After graduating college and getting a job as an intern in the field to " pay my dues '' I deferred payment which I was explicitly told would not increase my interest. During that time I received an ungodly amount of calls, throughout the day and evening. I tried working with them, explaining to them my situation and they told me that if I could not pay the full amount, it did n't matter, I would default. Even when I was laid off and told them I could make partial payments from my unemployment checks, they told me no. In the end, it makes no sense. How does someone accrue  XXXX  of interest in one year?? I have been paying back thousands of dollars over the years but with the change of ownership, lack of experience from employees and always getting the runaround, my loan amount keeps increasing. They have harassed me, mismanaged my loans and on multiple occasions taken out more money than they were supposed too.   It has been almost ten years and my loan has not changed even after the years of automatic payment.   So much has happened and I can not get the records that they have hidden away. The conversations alone would especially validate my claims.   At this point, its become me versus city hall and I ca n't win. All of this should be incredibly illegal, but they keep getting away with it. Navient,  XXXX   XXXX  and  XXXX   XXXX   XXXX  need to pay for what they have done to past students like myself. I am not a slacker, I work hard, make a living, but still can not be a fully functional member of society for what these institutions have done to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-27 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Risecredit, LLC
State: CA

Complaint narrative:
This online credit loan company needs to be shut down! They are taking advantage of consumers who are trying to rebuild their credit after a bankruptcy! They are given high interest loans ( 126  % ) interest ra tes! They can not be taking advantage of the  XXXX    XXXX   and  XXXX   XXXX  personnel who need money to pay for bills and financial hardships that arise!     I will not pay this loan back in the amount of  XXXX . If they lower the interest ra tes to 10-15 %, then I will pay have the loan back! This company is a modern day, moffia loan sha rking company!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-27 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: National Credit Processing Inc.
State: TX

Complaint narrative:
I received a call in XX/XX/XXXX about a payday loan debt and threatened to take me to court. I received another phone call from XXXX. This guy called me XXXX and left insulting voice mail on my phone

Company response to consumer: Untimely response
Consumer complaint received 2017-04-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: GA

Complaint narrative:
Im writing to express that my foreclosure need to be postponed and the assignment filed in  XXXX   XXXX , Georgia need to be investigated for fraud. The servic er, Select Portfolio Servicing has  been informed several occasions prior to  XXXX   XXXX ,   XXXX   that the loan was transferred illegally through the assignment. A  Qualified Written Request ( QWR ) and Proof of Claim surrounding the mortgage loan was sent to the servicer and they are   claiming that that they never received my documents. Thats the reason why Im sending it through the CFPB.   The servicer refused my payment after I became 30 days late. They are trying to take my house and not acting in good faith. I want to keep my home and requesting a postponement and hopefully obtain a forbearance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
Equifax continues to report a collection account from  XXXX   XXXX   XXXX   XXXX  in the amount of {$35.00}. I have contacted  XXXX   XXXX   XXXX   XXXX  and resolved the account directly with them as documented by the attached proof of payment. I subsequently disputed the account with Equifax, however, Equifax continues to report the account with a balance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
Equifax shows some inquires on my report that does not belong to me. I have disputed several times and called and they inform me that there is nothing they can do.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: UT

Complaint narrative:
I returned from  XXXX  in  XXXX   XXXX , and in an attempt to get an apartment I learned about credit cards that had been opened in my name. I was a   XXXX   XXXX   from  XXXX   XXXX  until  XXXX   XXXX , and then returned in  XXXX   XXXX  through  XXXX   XXXX  to teach  XXXX  and  XXXX  at   XXXX   XXXX   XXXX  .     - According the credit reports I have managed to obtain, all accounts were opened and used while I was in  XXXX . I filed a letter with each credit reporting agency and with the credit card companies. Several companies immediately resolved the issue and closed the account s - two have been re moved from my credit report and I believe the remaining accounts will come off soon, as they said they would be. I received a response from  XXXX  that they had no record of the account and then refused to continue any investigation ; additional letters only resulted in their sending me a package with all statements from the fraudulent account.     - The disputes came back from each CRA, including Equifax and  XXXX , with no changes. I have sent all CRA 's, including Equifax and  XXXX , substantial proof that I was living in  XXXX  at the time the accounts were opened and used in the United States. Regardless, Equifax and   XXXX   have not fully investigated the issue or accounts nor removed the fraud from my credit report permanently.  XXXX  only finalized this issue because of the complaint with CFPB because they realized they did not follow the law in completing the investigation. Equifax and  XXXX  are also not following the laws in credit reporting by not accurately and completely investigating the issue despite all of the documentation provided.     - Becoming hard-of-hearing as an adult and not able to use TTY service s ( or ESL ), i t is very difficult to communicate with the credit card companies myself. I send everything through letters or fax but those documents are not accepted as they will only " speak '' with me over the phone in order to validate my information.     - There are a lot of errors on my account, including names, addresses, phone numbers, inquiries, and credit accounts.     - I have again attached documentation of proof of   XXXX   XXXX   timeframe from  XXXX   XXXX  until  XXXX   XXXX  in  XXXX , police report, and FTC Affidavit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I had some inquires popup on my credit report that I did not approve of, they do n't belong to me I ever authorized them. I already contacted them and they said that they have no way of removing it off my report. I already placed a credit fraud on my credit files.        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  Equifax.
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Company response to consumer: Closed with explanation