vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-07-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I closed on my house in XX/XX/2015. At the time, I put down <20 %  and opted for lender paid PMI, which resulted in an additional .25 % being added to my interest rate for the life of the loan. 

Chase has been unable to accurately manage my escrow account, due in large part to the STAR credit program in New York and the timing of payments received from the state of New York and the receipt of tax bills from our various municipalities ( Village, Town and School ). 

I have repeatedly - over the course of the past 18 months - asked for them to remove JUST the escrow requirement. Not a reduction in rate, but simply giving me back the money in escrow and allowing me to manage tax and insurance payments myself. I'm asking to reduce Their response has been the same - that until your LTV reaches 80 % of the original appraised value we can not release the escrow. The fact that my home value has appreciated has not prevented them from sending me multiple solicitations to refinance, including a sentence stating I should " take advantage of the increased equity in my home ''. 

I just want to manage my finances and reduce Chase 's administrative overhead on my loan.This should not require 5+ attempts and multiple communications to achieve.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-13 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: Navient Solutions, LLC.
State: AR

Complaint narrative:
Have student loans through Navient from 3 different schools that are reflecting 120 + days late payment. First off, the starting and ending dates of these loans are when I was a current student. Therefore, there is no way these loans can be late. After completion of school, I utilized the Income Contingent Plan that is updated yearly

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: CA

Complaint narrative:
My loan was sold from XXXXXXXX XXXX XXXX to Carrington to which I was never informed, never sent any notices regarding changes to my loan and payments. I sent payments to XXXXXXXX XXXX XXXXXXXX and after 4 months I was finally told my payments were not being applied as my loan was no longer with XXXX XXXX  XXXX. I can not find any assignment recorded showing the loan was transferred yet Carrington claims now to be the servicer of the loan. When I reached out to Carrington they told me to submit documents which I did, during the time I was submitting documents and being reviewed for loss mitigation options, they proceed to file the Notice of Default and Notice of Trustee sale on my property despite that I was in an active loan modification review with them. Now I am facing a foreclosure on XX/XX/2018 and they denied me even though I have the income to make my payments and fully intend to keep my home at all costs. I was never assigned a single point of contact nor did Carrington ever attempt to reach out to me to offer assistance, I had to call them once I found out they were even my lender. My HBOR have been violated and I fully intend to seek legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-13 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: NY

Complaint narrative:
In XX/XX/2018, my student loans were acquired from XXXX by Nelnet and XXXX. Nelnet took over the federally subsidized loans and XXXX the private loans. Both appear to be divisions or entities of the same conglomerate. At the time of the loan acquisition, I had already rendered my XXXX monthly payment to XXXX. XXXX seems not to have received a transfer of the XXXX payment, but Netnet has. My Nelnet account is showing current, but my XXXX account has shown an incorrect delinquency since the transfer. Again, they are two divisions / entities in the same conglomerate, but can not communicate with one another to resolve this. I have called several times as well as sent in a statement for the XXXX payment made to XXXX twice. XXXX customer service is unhelpful and condescending - but the issue is that a payment that I have made is not being credited properly and I keep receiving factually erroneous delinquency notices with the corresponding indications that my account will be referred to collections. The loan transference from XXXX to Nelnet/XXXX was without my consent, has resulted in a higher interest rate and, on top of this, the monthly erroneous delinquency notices.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc.
State: IL

Complaint narrative:
To Whom It May Concern : We have been loyal customers of Santander Consumer USA for over a year and couldnt be happier customers. Unfortunately, in XXXX of 2018 we experienced a life changing blessing and a hardship at the same time causing us to fall behind on monthly payments. It was an exceptionally busy time in our life as we were balancing the birth of our XXXX  child in 4 years ( ages XXXX, XXXX, and XXXX  months ). Our newest child was born on XX/XX/18 XXXX XXXX ( joint account holder ) was on FMLA XXXX  leave for 12 weeks XXXX and I was on FMLA XXXX leave for the month of XXXX with NO PAY causing us to fall behind on rent, groceries, and Santander car note. Now that we are both back at work, I honestly could not associate with the person that let this payment obligation go unattended I fully respect our obligations with Santander Consumer USA and have worked diligently to amend my relationship with you by regaining your trust. A brief look at our account will reveal that our account status is current and furthermore we have enrolled in monthly auto pay to prevent any future issues. 

We have begun search for a home and a much larger vehicle due to our family growth. We are currently undergoing credit repair and plan to use Santander USA in the near future to finance a new truck. The attention that our late payments with Santander USA may negatively affect our chances of obtaining a home and new  truck. 

In light of our renewed focus and demonstrated commitment to rebuilding our trust with your company, We are requesting that you give us a second chance at a positive credit rating by revising the 3 late payment ( s ) as reported on our three major credit bureau files ( XXXX, XXXX, and XXXX ). I sincerely hope Santander Consumer USA believes in their customers and I humbly request  your consideration to allow me to pursue the home and truck of my dreams. I appreciate your time and look forward to receiving a favorable decision from you department soon. I have tried calling and speaking with someone at your customer service department but they have been very rude and careless about my situation. 

Regards, XXXX XXXX & XXXX XXXX In addition we can provide all documentation that support our claims upon request ( FMLA forms, check stubs, rent receipts, etc. )

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-13 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: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: TN

Complaint narrative:
I have contacted the three credit bureaus pertaining to inquiries on my credit report that I did not authorize. they claimed they cant not dispute hard inquiries and they remain for two years. this maybe the case if I authorized those inquiries myself, however I did not authorize none of them. they credit bureaus told me to contact the creditors and explain it to them, which I did. they claimed it was me but when asked were they there when the credit was ran with me in front of them with my id? they claimed no. so anybody can get someone's information and use it over the phone or online to obtain good. I was told by the creditors to reach back put to the credit bures to see if I can dispute it. so all and all I am getting the run around and no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: ID Analytics, Inc.
State: TN

Complaint narrative:
My FICO score is over 800 of XXXX yet my XXXX XXXX XXXX score is only XXXX of XXXX. Consquently, XXXX XXXX XXXX has imposed extra fees and restrictions on my account because of your slanderous scoring system.

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 2018-07-13 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Northeast Recovery Solutions, LLC
State: VA

Complaint narrative:
A person by the name of XXXX XXXX from a company called XXXX has called my children personal cell phone ( do not know how she received that info ) and scaring them stating that your mother has been turned in to XXXX County and a warrant for her arrest. I then received a note from a Neice in a whole other state stating this same company and stated named person above called her about a complaint against me. My sisters and husband and myself have received this call. We asked for documentation and she lies and said I have been sent documentation, this is a lie I do not know her and not een sure of the debt she is speaking of. the only debt issue I have that is not in my current Credit Counseling file is one with a place called XXXX XXXX XXXX I am assuming this is a bad debt XXXX must have purchased and now harrassing my family and me. I have a file history for the XXXX XXXX and a XXXX  complaint I filed against them for how they tried to handle the issue with me which I thought was unfair. I am I guilt for getting the loan yes ... However, this does not give anyone a right to intentionally practice these unfair negotations. I have attached file from niece and number from daugther that was spoken to each of them. 

Note from Daugther : Hey mom there is a complaint pending against you in XXXX county ... here is the number to call XXXX XXXX Then in the attachment below her name was given to my Neice and My husband. 

I have also attached the original XXXX complaint I filed against the clients she claim she is representing.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-13 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: VW Credit
State: CA

Complaint narrative:
XXXX  has account number XXXX with XXXX/XXXX listed on my credit as a negative on my credit report. They transferred it to another lender and I paid off the debt since. Request to remove this negative mark on my report please!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CITIBANK, N.A.
State: MT

Complaint narrative:
This is a complaint against XXXX American Express card. Following is the email that I sent to XXXX : After a few returns that have been made, I was asked by XXXX to pay a bill of {$130.00}. Out of this amount I was liable to pay {$14.00} which I did. Im not responsible to pay the remaining amount which include late fee of {$27.00} in XXXX and {$37.00} + {$4.00} interest charges after making the payment of {$30.00} in XXXX. Again, I was charge {$4.00} interest charge and then {$27.00} late fee + {$3.00} interest charges after making the payment of {$71.00}. I fail to understand why I was charged late fees/interest charges when I already made the payment of {$30.00} and {$71.00}? So please remove all the late fees/interest charges and Id really appreciate your honesty. 
Also, as mentioned earlier there are 2-XXXX XXXX transactions for {$12.00} each in XXXX and XXXX. I have disputed it many times since I dont authorize this transaction. Please remove that as well. 
Thank you! 
Following is the response from XXXX : Response By Email ( XXXX XXXX XXXX ) ( XX/XX/2018 XXXXXXXX XXXX ) Dear XXXX XXXX, Thank you for taking the time to contact us about your XXXXXXXX XXXX account. I appreciate the opportunity to respond to your inquiry and address your concerns. 

I certainly understand your request about the late fee, interest charge and the dispute transactions on your account. And I will do my best. 

For protection against identity theft, we can not alter or discuss any account information as this is non secure. 

For further assistance with your requests, please contact us at the number referenced below. You may also send a secure message online. 

Please read this email carefully. I hope you resolve this issue asap.

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 2018-07-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I recently registered point back app called XXXX. I can get point if I spend with linked credit card. Since Capital One is blocking customers ' access to their own data through third party ( XXXX ), I can not get point at all. I want to let Capital One know that I wish to have this access granted.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-13 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: PA

Complaint narrative:
Currently I have 4 private student loans with Navient when I first began with Sallie Mae in XXXX for XXXX School. I currently have 3 co-signers for my student loans. I have been paying them back since XXXX at first when I graduated from XXXX in XXXX I placed my loans in forbearance costing me {$50.00} per period which was 6 months. When I was no longer able to put the loans into forbearance because Navient would not allow me to I was forced to begin paying the loans back however I was not able to afford the monthly amount, I then in XXXX began the rate reduction program which lowered my interest rate for each loan for a period of 6 months which helped me reduce my loan payments. The issue remained that all though I was in the rate reduction program the payments were only applied to the interest only and not very much to my prinicpal once the program ended and I had to reapply the monthly payments went back up and so did the interest and this continues to happen. XXXX of the requirements of the rate reduction program was that I had to submit my income statement but my co signers were not required this was fine however recently when I attempted to reapply for the rate reduction program they are requesting my co-signers to submit income statements and they are refusing because this was not required before and also I have been the only one making the payments. I am now several months deliquent on my loans because I can not afford to pay for the minimum due which is XXXX per month and Navient is refusing to assist with lowering the cost without my cosigner information. This is predatory and they have gotten several thousands of dollars on my student loans over the years and have not truly been applying the payments to my prinicpal so how was the rate reduction program truly helping me but actually causing me to go further into debt and not lowering the debt. Their lending practices are predatory and they continue to call and offer assistance to lower payments but will not work with me to lower my payments or a program that will get my balance down. i have been paying Navient for the last 5 years and not my actual loan amounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-13 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC
State: FL

Complaint narrative:
I am writing to you today so that I may receive some assistance regarding my mortgage with Mr. Cooper, previously known as Nationstar. I have two ( 2 ) complaints that I would like to seek some resolution with or at have least addressed.

( 1 ) In XXXX, I took part in the HAMP program. At this time, I had been divorced from my husband since XXXX, as part of our divorce decree I was mandated to seek financing that would remove him from the mortgage. I explained this to my Nationstar mortgage consultant who helped me obtain my HAMP. It was expressed to me that this could be accomplished, but that I would have to provide ; copies of the divorce papers, and that we would only use my income for this to happen. I also believe that my ex-husband had to sign a notarized statement stating that he no longer was responsible or had an interest in the said property. All of this was complied with. So, I was very shocked to find out last year that he was still listed as a co-borrower on my mortgage, and he was even more distressed than I. I dont understand how this can go both ways. Either he should have had to sign and show proof of his income also in order to be part of the program or he should have been removed. I dont believe you are legally able to modify a loan agreement and exclude a party. I would like his name removed as co-borrower. 
( 2 ) HAMP, pay-for-success incentive program. I did receive a letter from Nationstar regarding the requirements for this program I had complied with all of the components of the program to receive the incentive. Basically, you need to be in good standing, not paid off the loan. However, there is also a document that need to be signed a form XXXX. Nationstar provided me with this form in XX/XX/XXXX. As the time approached to submit the form in a timely manner I was in daily contact with Mr. Cooper, because my ex-husband really wanted me to get his name off my loan ( as referenced above ). I brought this letter to my Mr. Cooper representative a. Because the deadline was approaching to submit the form, and b. Because I told him I would like to postpone the refinancing process, in order to collect the incentive. XXXX XXXX told me that I had already received any incentive that I had coming to me and that I should not submit the form. I am not saying that he was trying to deliberately misinform me but by relaying improper. information to me he in fact did. I know that Mr. Cooper records conversations so I would believe that they have this conversation saved. I would like to show by providing the amount of emails sent to me from Mr. Cooper and/or representatives of Mr. Cooper from late XXXX until XX/XX/XXXX, with no mention of this form XXXX or additional incentives available to me that they did not provide timely information regarding this program. 


Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
My family and I have been earning and accumulating miles through the Bank of America XXXX credit card fairly according to Bank of America XXXX credit card T & S and promotion. We've booked our award flight through XXXX XXXX earlier in the year ( XX/XX/2018 ) for travel in XX/XX/2018, using the accumulated miles. In XXXX, we've received an email from XXXX Revenue Protection automated system, stating " the reservation booked under confirmation code XXXX will not be allowed travel, ... the account used to book the flight has been suspend. ", and that we needed to call XXXX. Speaking with the XXXX XXXX   agent, they've requested government issued ID of the travelers, which was furnished. About two weeks later, we received email from their XXXX XXXX agent XXXX, demanding an amount of {$9100.00} for the miles we've used..and " payment will need to be made in full with a money order made out to XXXX XXXX. '' Multiple attempts trying to reach the XXXX agent failed. Every time we speak with an XXXX XXXX specialist, they would come up with different story why the miles can not be used, from " the accounts owe Bank of America money ... .the accounts has not paid annual fee ... Bank of America has frozen the miles and you can not use them ''. After contacting Bank of America multiple times, they have expressed concerns why XXXX XXXX is placing the account on hold when the points were earned and annual fee were paid. They were also shocked when we've told them that XXXX XXXX agent requested Money Order for the miles used.

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