vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-08-22 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
This loan was originally opened as a Home equity line of credit.  Under the terms of the loan it has now converted to a second mortgage.  I have no ability to draw down on this loan or take cash out and havnt for several years, per the original loan agreement.  It is a second mortgage with no credit limit, I pay principal and interest and extra principal every month.  This loan appears on the XXXX major credit bureaus as either revolving or credit card debt.  It appears as if my balance is over a credit limit.  This makes me look as i have maxed out all available credit, and in fact am using in excess of XXXX% of available credit.  This drastically impacts my credit scores w the XXXX  major credit bureaus.  I have contacted both the Loan servicer Citibank, and the XXXX major credit bureaus.  Neither will fully assist me in rectifying this, what so ever. This is particularly true of XXXX who militantly lists this as credit card debt.   I need this correctly listed as mortgage or real estate debt and the correct loan term added, removing the notation that this is revolving debt or credit card debt.  This is drastically and negatively affecting my credit scores.

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 2017-02-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Caliber Home Loans, Inc.
State: IL

Complaint narrative:
I purchased an FHA loan through Caliber Home Loans which comes with Mortgage Insurance ( PMI ). With PMI I know you are able to get rid of it after you pay down a certain amount. Typically when 20 % of the original principal is paid off or when 80 % principal remains. I called XXXX to find out how I can remove my PMI and they repeatedly told me that the PMI can not be removed and is for the life of the loan. I spoke first with XXXX who stated that they call it MIP but it is the same thing. I was then transferred to his supervisor XXXX ( employee # XXXX ) who stated the same thing. My PMI can not be removed and is for the life of the loan. I asked her to send me a document from their company stating that the PMI can not be removed and she would not, informing me that nobody in the company can email or mail documents to a client. She then asked her area vice president XXXX and he apparently confirmed that again, XXXX will not remove PMI regardless of how much of the loan is paid off and that it will remain for the life of the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-24 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Portfolio Recovery Associates, LLC
State: NV

Complaint narrative:
Portfolio Recovery is attempting to collect a loan I had with XXXX. They are now reporting that collection as a loan through Portfolio Recovery. I now have a new missed loan payment reported because I have n't paid anything to Portfolio. I do not have a loan with Portfolio. I had a loan with XXXX which Portfolio is attempting to recover. Portfolio Recovery is a collections not a loan

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: College Assist
State: CA

Complaint narrative:
My student loan has been transferred to various lenders. I have been trying to find out the history of where my loans ordinated, and who " touched '' it along the process. For over 5 years I have had collection companies call me wanting me to aggressively pay the debt or go into a rehabilitation program and could have 5 dollar monthly payments, yet they will tack on additional 3 grand for their fees. So I 'm in debit and can only pay 5 a month, yet they get to add on 3 grand more. Most recently I have been dealing with XXXX/College Assist. Here are my complaints and have audio phone calls to support my claims. 
Companies miss represented themselves to me throughout the process. 
College AssistXXXX would never allow me to talk directly to them. 
I asked multiple times for information of my loan about where was it, who had it or even give me a financial balance statement since its conception. 
Company sent me financial document via email to me that was not mine, which causes concern of credibility and I believe it violates Electronic Communication Act of 1986 ( ECP ) 18 U.S.C. 2510-22 This last Credit Recovery Company XXXX in XXXX states they are a Government Acency, but they are a Credit Collection Company. Not part of the USA Government. 
As a result of College Assist/XXXX practices, I have accrued over {$1800.00} in extra interest and {$2800.00} in recovery fees. 
One credit company XXXX XXXX did not respond to my letter stating that I disputed the claim and XXXX failed to respond and " sat '' on my loan for over 12 months. 
There are many other deceptive practices that have happened. 
I do have recorded phone calls with these various credit collection companies to document their false claims and deceptive practices. 
I am in the process of hiring a transcriber for these calls. For presentation in my case. 
I also have other written communications to Credit Companies and they failed to respond or act on my inquiries Federal Student Aid website says College Assist owns my loan. They are then acting With XXXX ... but XXXX has turned over the loan collection to XXXX. See above complaint. XXXX has totally violated my rights. 

Lastly..I looked at my credit report and shows XXXX Student Loan has been reporting to the credit since XX/XX/XXXX as negative. So who is this company now??? 

Now do you see why I have n't been able to get any reliable information and support to rectify my student loan delema? 

Who really owns my loan???? 
XXXX College Assist XXXX Since XX/XX/XXXX my loan went from XXXX to now XXXX!!!!!! 

PLEASE HELP ... ..PLEASE HELP ... .WHAT AM I TO DO??? 
College AssistXXXX has started the Garnishment process ... ..

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-13 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I have received several emails over the past few years regarding an " account '' with Wells Fargo, that I know nothing about. They seem to to be coming from different senders within the bank. I was able to retrieve one of the emails sent recently ( see attached ). The email was sent to : 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 2017-01-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC.
State: NC

Complaint narrative:
I was in the income based repayment plan and am having to pay to much! I am unemployed and have been for 5 years. I am a XXXX of XXXX kids. I can not work at this time. My husband is the only person working and supporting a family of XXXX. I asked for help and was given an amount to pay back but i cant afford what they want me to pay monthly. I have not recieved any notice of when i needed to redo my loans. I hope to get some help as i am way behind in repayment.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-21 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Applied Resolutions Group
State: TX

Complaint narrative:
I received several calls from XXXX. He will not tell me what company they are with, only that I allegedly owe money to a XXXX. I paid all my loan and then some to XXXX and I do n't know who these people are that are trying to collect money from me. They called me at work and even after I told him I was at work and they were not allowed to call me the agent said they would continue to call me. I called him back and he kept hanging up on me until finally he transferred me to a supervisor. This is harassment plain and simple and I want to file charges on these people.

Company response to consumer: Closed
Consumer complaint received 2016-06-03 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Carter-Young, Inc.
State: GA

Complaint narrative:
XXXX collections is reporting on my credit a medical collections account that IS PAID IN FULL AND WAS BEING PAID BY THE INSURANCE it can not legally report anything on my credit as I do n't have an account with them and Medical collections cant be reported if they are being paid by Insurance. They use the name carter young on XXXX Credit report and the name XXXX on my XXXX report and have no name listed on XXXX the account has a XXXX balance and needs to be removed within the XXXX days that they are allowed by the FDCPA as my right 1. I am requesting a FULL payment history 2. The contract that I have with XXXX ( I do n't have one ) 3. The signed paper work req for me to waive my hippa rights. 
4. The contract where this account was placed with XXXX has XXXXdays as the law stats to validate this debt provide my in writing the the above information. If they fail to do so they have XXXX options remove this account from my Credit File or face legal action.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-24 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc.
State: TX

Complaint narrative:
In XX/XX/XXXX my car was XXXX in an accident. My insurance did not cover because the person driving was not covered. I contacted the lender which was Santander to advise them of the accident and they advised me that they would sell the car for parts and see how much they could recover from that then they would provide me with information such as what they received and what i would be liable for after. I never heard from Santander again until months later stating i owed them almost XXXX dollars.This was a XXXX and was not even worth XXXX. They never provided me with any information about the car or any detailed information about what they got for parts. Now they have sold the debt to XXXX and are still reporting this on my credit under Santander as eell as XXXX. XXXX has this debt listed on my credit as a new debt when infact this was opened in XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-06 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
The original dispute was filed years ago. As I have matured and become more aware of my rights regarding the FCRA, I 've realized how long and how egregious Equifax 's error has impacted me. I have been patient and this is my XXXX complaint against Equifax with CFPB. Equifax keeps making a false claim that they have either corrected the information or that it does n't appear. They have deleted the XXXX XXXX bills that appeared in error. They have not corrected the Student Loan accounts that appear inaccurately. In fact, they report duplicative records of the same student loans and have re-aged these accounts extending the time they have appeared on my credit report. These loans were incurred during my XXXX and XXXX studies ending in XXXX 2002. My student loans have remained in deferment, and even during a period of consolidation and being assigned to XXXX XXXX, for reasons permitted by the US Dept of Education.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC.
State: OR

Complaint narrative:
I called Navient on XX/XX/2017 to advise that I had lost my job and wanted some options for repayment. They offered to put me into forbearance for 2 months, which they only did for one. I have another Federal Student Loan that is handled by My XXXX and I made the same call to them, and their representative XXXX told me about the Income-Driven Repayment plan and sent me the application and talked me through all of the steps and benefits. XXXX also talked me through the Public Service Forgiveness Program, which I greatly appreciated and he spent over 30 minutes on the phone with me. Further, XXXX explained that I could benefit by consolidating my loans, and also that if I did so I could choose a loan servicer. These were all things I did not know about. 

I called Navient back on XX/XX/2017 and their representative, XXXX, talked down the Income-Driven program and tried to steer me away from it and was not helpful. Additionally, she denied that Navient had only given me one month of forbearance, and while we were on the phone she corrected it to two months, as evidenced by the emails and updates I received while we were talking. I was not offered any helpful information about the Income-Driven payment option ; rather, XXXX told me that my monthly payment would INCREASE by {$1.00} per month if I went into that program. I felt like I was being bamboozled, as XXXX also appeared to try to discourage me from using the Public Service Forgiveness Program. I am currently working to consolidate my loans and will choose My XXXX to service it, despite the fact that the interest rate is a bit higher, but Navient should be called out on how they handle customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-04 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
To whom it may concern, My wife and I have repeatedly reached out to Chase Bank in an effort to get them to correct this matter. I 'm asking for PROOF. 
Chase Bank has continued to refuse to act. They 've collected mortgage insurance premiums, but according to HUD, My wife and I DO NOT have a FHA home loan. Chase Bank wrote that they researched the matter and found that our case number with FHA was cancelled due to non-endorsement, and FHA REFUNDED OUR MONEY to XXXX. I 've repeatedly asked that PROOF be given to my wife and I that the money was sent to us or applied to our account. 
According to Chase Banks response, case number XXXX, they replied with " Your loan closed with XXXX, and we began servicing your loan on XXXX XXXX, XXXX, based on the terms and agreements you established with XXXX. Our records reflect that XXXX refunded {$1700.00} to you by sending a check to you on XXXX XXXX, XXXX. Due to the age of the transaction, and the fact that we do not have XXXX historical records from that time period, we 're unable to provide a copy of the check. 
Chase Bank also responded on XXXX/XXXX/XXXX to case number XXXX with " On XXXX XXXX, XXXX, the United States Department of Housing and Urban Development ( HUD ) cancelled your case number due to non-endorsement. We 've enclosed a copy of our previous letter dated XXXX XXXX, XXXX, and a copy of the letter sent from XXXX dated XXXX XXXX, XXXX, for your records. " This letter that Chase Bank sent from XXXX dated XXXX XXXX, XXXX states " If you paid any upfront FHA insurance premiums at the closing of your home loan, they will be REFUNDED AND APPLIED TO THE PRINCIPAL BALANCE of your loan. " So, which is it? 
I 've emphatically stated that we did not receive a check from XXXX. 
The letter provided by Chase Bank from XXXX says the refund of {$1700.00} would be applied to our principal balance. 
Chase Bank wrote that " Our records reflect that XXXX refunded .... '' And in the same sentence wrote " and the fact that we do not have XXXX historical records from that time period '' AGAIN, WHICH IS IT? either you have the historical records or you do n't! 

This clearly shows a blatant attempt to deceive and mislead us, and I 'm demanding it is investigated by the proper authorities. I 've enclosed a copy of the letter from XXXX to ACTUALLY PROVE what was written. 
Since Chase Bank allegedly does not have XXXX historical records, perhaps they can review the history of our account and show where OUR MONEY was applied. 
This is a criminal act called theft. XXXX took our money, failed to properly secure our endorsement from HUD-FHA costing me thousands. XXXX continued collecting mortgage insurance premiums until XXXX of XXXX. 
Chase Bank purchase XXXX, and says our money was refunded. PROVE IT. 
The next letter Chase receives will be from our lawyer!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-15 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I WAITED LITERALLY XXXX MINUTES ON HOLD TO SPEAK TO SOMEONE ABOUT MY ACCOUNT TONIGHT XX/XX/2015 AND LITERALLY WHEN THE WOMAN CAME ON THE PHONE, I POLITELY COMPLAINED THAT 16 MINUTES WAS FAR TOO LONG TO WAIT FOR ANYONE, AND SHE RUDELY AND SIMPLY HUNG UP ON ME, CAUSING ME TO HAVE TO NOW CALL IN AGAIN  AND RE-VERIFY MY ACCOUNT, AND NOW I AM ON HOLD AGAIN. I ANTICIPATE ANOTHER WAIT HOLD FOR XXXX MINUTES FOR A VERY SIMPLE QUESTION COSTING ME MORE THAN XXXX MINUTES OF MY PRECIOUS TIME AND DAY. I BILL XXXX, WILL TD BANK OR THIS WOMAN COMPENSATE ME FOR THIS LOST UNNECESSARY TIME SPENT CHASING TD BANK DUE TO ITS RUDE CUSTOMER SERVICE REPS THAT NEED TO BE EITHER RE-TRAINED/TERMINATED FROM EMPLOYMENT? I AM NOT A DOG AND I DON'T NEED TO BE XXXX TRAINED OR BEHAVIOR-MODIFIED BY THESE UNFRIENDLY AND RUDE CUSTOMER SERVICE REPS.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-03-13 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC.
State: PA

Complaint narrative:
In XX/XX/XXXX, I consolidated my student loans with XXXX ( now called Navient. At that time I opted for the highest monthly payment which was to repay the loan in 10 years. Later, I discovered that my payment plan was spread out over a longer term ( 30 years ). Can they do this? I submitted my loan consolidation online so I do n't happen proof of my repayment plan selection. How can I get a copy of this initial agreement? 

Additionally, in XX/XX/XXXX, I was told by my services that my loan would qualified for the Public Servant Loan forgiveness program ( which would become available in XX/XX/XXXX ) since I work for a XXXX. Now, after paying {$60000.00}, they tell me that my loan is not eligible since it is not a " direct '' loan. Other than filing for " bankruptcy '' is there anything I can do to cancel or settle this debt. Although I have contacted Navient several times in reference to my issues their representatives response are inconsisitent changing with every call I 've made to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC.
State: MD

Complaint narrative:
XX/XX/XXXX I had decided to consolidate my school loans before entering repayment. Multiple Navient employees informed me that consolidating my loans from XXXX ( years XX/XX/XXXX-XX/XX/XXXX ) with my XXXX school loans ( years XX/XX/XXXX-XX/XX/XXXX ) would not impact which income-based repayment plan I qualified for. I expressed my concern that my old loans would disqualify me for some plans, but was reassured that because they were being consolidated, the entire consolidated loan would qualify for all repayment plans. After consolidating and switching lenders ( to XXXX ), I was informed that I could not qualify for the PAYE repayment plan because my XXXX loans were consolidated with my loans. It was very frustrating to be misinformed by several different employees, especially after directly expressing my concerns regarding how my older loans would impact repayment of a consolidated loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I have a FHA insured mortgage. XXXX was the loan originator for my home loan. BANK OF AMERICA became the servicer. In XX/XX/XXXX I requested a loan modification thru BOA, on behalf of a conselling reguest from 'XXXX and XXXX '. The forms were submitted and I alsoprovided sworn affidavits to the need. My income sourec is XXXX due to my XXXX. My XXXX was present since XX/XX/XXXX and the originators created and approved my loan based on my XXXX income. BOA serviced my loan with the knowledge as well. My income is indigent and my expenses with cost of living exceed the unearned SSA. I requested the modification based on that. BOA is refusing to follow FHA/HUD guidelines. MYy credit reflects poorly as a result. they have failed to apply the payments in the proper sequence according to FHA secretary rules where escrow, insurance and taxes are paid. my credit reports absent payments which is not true. I have been consistent with monthly payments. My credit should report and state partial payments made monthly. The BOA agentsd have also failed to take in consideration the ratio determination to my income vs expense which is also an FHA rule. IL laws also protect the homeowner with rules and BOA is failing to abide by the terms. BOA is also counting foodstamps as gross income. when it is NOT. BOA has inflated my gross income by {$400.00}. to suit their need. And I have objected since I DO NIOT HAVE ANOTHER SOURCE OFINCOME. nor do I receive tax or any other maintenance. My food stamp amount is {$140.00}. and is based on my housing expense. The grossed up inflated income then mis calculates the monthly payment that I can afford. the FHA ratio for special circumstatnces of mortgage allows 31 % of gross income to be calculated for the mortgage payment. BOA is measuring my gross and payment with inflated terms and methods which cause an improper amount to be listed in a calculation and of course unaffordable to me. I have been trying to seek resolution for this matter for XXXX months. I ca n't be dis honest. BOA spends more money on overnight XXXX postage to me then the inflated true amount which could have served to resolve my crisis. I need this investigated. BOA has been sued due to illegal loan practices in XXXX IL for discrimination. I know I am a victim. My civil and human rights are threatened and this is causing me un necessary trauma. I am XXXX XXXX XXXX. I can not contemplate moving with bad ruined credit and inability to afford when BOA is violating my life and home.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed