vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-03-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
I purchased my house XX/XX/XXXX. I went in telling the sales rep that I was retiring soon and that I needed to get a house would be comfortable for my wife and I both physically and financially. 
The total price was {$450000.00} with payment at {$2800.00} per month which increased with no notice to {$2800.00} per month after 5 months. The payments were a little higher than I liked but I could handle the payment and I was told that I could refinance in 6 months and that the PMI could be taken off and I could possibly get my interest rate lowered, which I found was not totally correct. Because 6 months later I tried to refinance and was not able to. What I needed was to have a 30 or 40 percent difference in loan to home value and during that they told me that the first Mortgage company ( XXXX XXXX ) had not calculated my Property tax correctly. That was after I tried refinancing with 3 or 4 mortgage companies. That is when I found out that I needed the percentage difference and found out that XXXX XXXX had not calculated the property tax right. The company I trusted said that I should actually be paying more than {$3100.00} a month if the mortgage company ( Mr Cooper/ Nation Star ) had calculated my tax correctly. Now that I am retired I cant afford over {$3200.00} plus the other bills and utilities. 
I called my XXXX rep and explained everything to him and he explained to me that I needed to file a Qualified Written Request to my current mortgage company ( Mr Cooper/ Nation Star ). 
That brings me to the next problem. I sent the Qualified Written Request to Mr Cooper by fax, email, and mailed the same letter to two different Mr Cooper address with signed return receipt, Which I received. I sent all the forms of the QWR around the XXXX or XXXX of XXXX and I received the return receipts which were signed by the Mr Cooper Rep, XXXX XXXX on XX/XX/XXXX. 
My Lawyer said they had 20 days after they signed for the letters to reply back. As of today it has been 51 days and I have not received any notification from Mr Cooper/ Nation Star.

I have all my docs that shows dates and where they went if you need to see them.

My XXXX said that I should contact you and then you would be checking on this problem and let me know what I might need to do. I dont want to lose the only house my wife and I have ever had because of too many military change of station and low income we could never qualify and now if something is not done to correct my escrow it will continue to go more negative. The current escrow is negative {$2600.00} and that is after paying me paying {$720.00} to try and balance the escrow account but I cant keep paying that because I dont have the extra money to keep it balanced. We dont want to lose our house. 
Please help me or let me

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-01 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: SLM CORPORATION
State: WA

Complaint narrative:
When my daughter was getting the student loan with XXXX XXXX I was not the one who filed all the information online. Only parent information I inputted and saw no interest rate anywhere. After asking my daughter for the information on the loan for many months since the loan started I decided to contact XXXX XXXX myself on XX/XX/2019. I was not given any documents by XXXX XXXX concerning interest rate or any other mail concerning the loan. When I called to find out the interest rate of 10.5 % I asked them to stop the loan right then. The representative told me I can not stop the loan. There are many things that have been done by XXXX XXXX that makes this loan agreement void. 
They say there was interest rate disclosed online which I saw nowhere. I should not have to see every page to find this. 
The student loan rate is 5.05 % in XXXX There never given the reasons for the fixed rate of 10.5 % they apply to my daughter. This makes no fairness to a student who does not know about the loan. 
Having no written communication about the loan co-signer is avoiding a more knowledgeable person in the contract. I believe this is deliberate action by XXXX XXXX to charge the high interest rate to unsuspecting people. 

I have no file to attach because XXXX XXXX sent me no information

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: IN

Complaint narrative:
I received a notification from my mortgage company, LoanCare which stated that my mortgage payment was not made for the month of XX/XX/XXXX in the amount of {$570.00}. I was able to obtain the cancelled checks for the XX/XX/XXXX and XX/XX/XXXX from XXXX XXXX which had sent the payment to the following address : XXXX XXXX XXXX XXXX. 
XXXX. XXXX XXXX XXXX, PA XXXX It is clear to see on the back of check # XXXX on XX/XX/XXXX was deposited into a XXXX XXXX XXXX account. The back of check # XXXX on XX/XX/XXXX reflects the correct account of deposit as XXXX XXXX XXXX XXXX which signifies LoanCare XXXX XXXX. 
I forwarded copies of both of these cancelled checks to LoanCare on XX/XX/XXXX and was given a confirmation # XXXX hoping that LoanCare would rectify the problem. I called XXXX XXXX XXXX XXXX, which is a subsidiary of some sort of Loancare, which resulted in a recording informing me to log into my account at www.myloancare.com. 
I have gone to my bank and stopped the bi-monthly withdrawals from my checking account by 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 2019-03-01 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: Certified Services, Inc.
State: IL

Complaint narrative:
Information is wrong. Asked company to validate and they were unable to. They sent the attached letter for their validation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FCI Lender Services Inc.
State: AL

Complaint narrative:
The companies are XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, Trust, XXXX, XXXX XXXX, XXXX, FCI Lender Services, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, and XXXX XXXX XXXX XXXX. From XX/XX/XXXX to XX/XX/XXXX ( 3 assignments ) there have been numerous assignments of my mortgage which I believe are fraudulent. There were 8 assignments in just the last 9 months. I have paid interest on a XXXX dollar loan since XXXX at 8 % and have never received a IRS form XXXX which I believe would have helped me when I filed my taxes each year. Also I made two lump sum payments totaling approximately {$630000.00} in XXXX. I never received an accounting of my balance until last month and FCI Lender Services and XXXX XXXX XXXX state I still owe over {$400000.00}.

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 2019-03-01 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: LendUp Loans LLC
State: UT

Complaint narrative:
THis Credit card from a place called Lendup XXXX XXXX pulled my credit hard i have conversated with them twice they refuse to take this off my credit report i did not authroize them to pull it someone used my info to apply for a credit card or they tried to set up an account without my authorization and they are refusing to do anyting about it. 
they wont admit that i didnt authroize it they just look at the fact that someone used my phone number and info to apply for an account and it was not me sometimes i share my phone or friends use my phone number but i also know its possible to use phone numebrs iwthout having the phone i get calls all the time from waht shows my own number on the caller idea because people are trying to fradunetly collect money and other stuff from me or sell me fake stuff but they can make it look like a call is coming from another number so i know its possible to clone a number but this company lend up is not willing to do anyting about the fact they messed up and wont fix there XXXXXXXX XXXX now i dont have their card never did never applied for their card and i never would.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-01 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Credit Corp Solutions Inc.
State: VA

Complaint narrative:
I keep receiving phone calls from Credit Corp Solutions. They either hang up, or ask for " XXXX. '' The most recent phone calls were on Friday, XX/XX/2019, and Wednesday, XX/XX/2019. I have told them repeatedly to remove my phone number and to stop calling me, but this has not been done.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-01 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: PA

Complaint narrative:
My loans went from XXXX XXXX to Sallie Mae to Navient. I work in a XXXX, and have been working there for 7 years. When I submitted paperwork for loan forgiveness after 10 years, I was told I was unable to do that with my loans. These were federal loans to begin with, so how can that be?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-01 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 — Investigation took more than 30 days
Company: Santander Consumer USA Holdings Inc.
State: IL

Complaint narrative:
In XX/XX/XXXX, I opened a auto loan with Santander Consumer. In XXXX, XXXX I called Santander telling them I would be out of the Country and would be making a " double '' payment. This result was a 30 day late for XXXX, XXXX. I called Santander and they are very hard nosed and would not remove it. 

In XXXX, XXXX ... I filed a complaint with XXXX  over this 30 day late payment. I received a call from a Santander representative a week later saying ... watch this. 

On XX/XX/XXXX I opened my credit report to a 80 point drop, and a 30 day late payment reflected for XXXX, XXXX and a 30 day late for XX/XX/XXXX. 

I called Santander and they refused to remove it. The Specialist stated, thats what you get for disputing with us. Those late payments were a result of a " returned '' payment. Santander took 24 days to take those funds from my bank. At which point I had changed banks, and resent the payment via credit card, BEFORE the bank returned the payments. 

Santandars response was .... '' its still late ''. My statements show I was not late, assessed no late fees, ect.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT

Complaint narrative:
THis Credit card from a place called XXXX XXXX bank pulled my credit hard i have conversated with them twice they refuse to take this off my credit report i did not authroize them to pull it someone used my info to apply for a credit card or they tried to set up an account without my authorization and they are refusing to do anyting about it. 
they wont admit that i didnt authroize it they just look at the fact that someone used my phone number and info to apply for an account and it was not me sometimes i share my phone or friends use my phone number but i also know its possible to use phone numebrs iwthout having the phone i get calls all the time from waht shows my own number on the caller idea because people are trying to fradunetly collect money and other stuff from me or sell me fake stuff but they can make it look like a call is coming from another number so i know its possible to clone a number but this company XXXX XXXX is not willing to do anyting about the fact they messed up and wont fix there XXXX up now i dont have their card never did never applied for their card and i never would.

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 2019-03-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Chase Freedom Visa and violation of 2018 Senior Safe Act and Elder Fraud. On XX/XX/2019 I reported a dispute with two charges made onXX/XX/2019 on my XX/XX/2019 Chase Visa Statement. After my calls and written dispute letters, Chase 's  Customer Service stated they could not help me because they had two " online Square '' receipts with my signature from a " Face-to-Face '' transaction. I told Chase that I was overcharged : I thought the purchase was for {$40.00} but the Chase Statement ( and apparently the online Receipts ) show {$4200.00} and {$310.00}. I believe Chase Visa is in violation of the 2018 Senior Safe Act because my spending/charging history clearly proves that I do not make such large purchases for cosmetics. I am an elderly senior citizen and would never spend such a large amount on cosmetics -- especially not at a XXXXXXXX XXXX XXXXXXXX XXXX in XXXX Florida. Nevertheless, Chase authorized both charges of {$4200.00} and {$310.00} without red flags from its Chase Fraud Dept. I am alarmed that Chase would authorize this amount because other card companies ( notably XXXX ) would have declined authorization until I contact them directly to verify the amount. Furthermore, Chase Customer Service was clearly not sympathetic and left garbled messages on my answering machine to call some number that sounded fraudulent. I did contact the merchant ( XXXX XXXX ) to try to get an itemized receipt and a refund. XXXX aka XXXX in XXXX FL was unable to provide me with an itemized receipt of what I had purchased for that extraordinary amount of money. Furthermore, XXXX told me absolutely No Refunds and I could not even exchange unused products after 14 days. As a retired very elderly senior citizen on a limited income, I am horrified by both Chase Visa and XXXX 's disregard for my situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-01 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
On XX/XX/ 2017 I went to XXXX closed an account to start an account with my husband. I was told in order to close the account the account had to be fully paid and so I paid. The account was cancelled and my husband and I purchased a new phone and started a new line, which is my current line. Every two months i received a bill for the cancelled line i called XXXX every time i received the bill and every representative i spoke to promised to have the fees and cancel the account. It has not been forwarded to a debt collector and affecting my credit. XXXX is now saying because its been forwarded they can no longer access that account to confirm previous calls or account activity.

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 2019-03-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: IL

Complaint narrative:
I have emailed Navient many times throughout the life of my loan which started in 2011. I have paid way too much interest over the life of this loan. I can not restructure my loan, I can not pay down the principal. I'm asking for someone to look at the structure of this loan. I want to pay this loan back FAIRLY. I have already paid {$25000.00} in interest since 2011. 

I still owe $ XXXX. The original balance was $ XXXX. This does not make sense to me. 

Please help me understand this loan structure. I'm hoping someone will call me to provide me guidance. 

thank you, XXXX XXXX XXXX I will upload my loan summary so you can see the details. See page 2 of 3 please.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Checkr, Inc
State: FL

Complaint narrative:
I applied for a job with XXXX XXXX and they ran a background check through a company called Checkr. Personal information on the report was correct, except for my drivers license number, which was completely wrong. The traffic violation was also not correct - it showed violations in a state I've never lived in.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: United Consumers Inc
State: MD

Complaint narrative:
United Consumers , Inc. ( UCI ) XXXX XXXX  XXXX XXXX, VA XXXX mailed a letter regarding an alleged collection on behalf of a company I have never had any account with for any reason. After repeated attempts to call and contact through text and chat, along with numerous calls to the alleged original creditor and its partners, I concluded that UCI falsely claimed this debt is owed, while stating " Unless you notify this office within 30 days after receiving this notice that you dispute the validity of this debt or any portion thereof, this office will assume this debt is valid. '' A quick XXXX search confirmed that numerous others have suffered the anxiety and discomfort resulting from collections due to UCI 's regular business practices of ( at the very least ) misrepresentation and ( likely ) fraud. Please do something about this awful organization.

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 2019-03-01 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I had my identity stolen and fraudulent loan made in XX/XX/2018. I identified this at the end of XXXX, filed a police report. I Spoke with the loan agency ( XXXX XXXX ) who agreed this was fraud. I filed a dispute with Expirian, and XXXX. ( XXXX required the police report which took a few days to receive ). Expirian then asked for the police report which i furnished through their online portal at the end of XXXX. 

Expirian, then reported that this was not identity fraud and the transaction should stay. XXXX   investigated and determined this was fraud and removed the transaction. i then asked expirian again to dispute. I called experian several times asking what documentation was needed from them to remove this transaction. First i was told they never received the police report. so i uploaded another copy. then i called back to confirm that they had received the copy. Then they said the police report was NOT valid because the name of the police officer had been blacked out. I confirmed with the police department that this was protocol since the officer was undercover, part of the gang unit. They also suggested that XXXX   XXXX did not consider this fraud. XXXX XXXX had been in regular contact with me. i had signed and affidavit and they had confirmed it was fraud as demonstrated by transunion which also confirmed XXXX   XXXX knew this was fraud. I offered to furnish expirian with both the phone number for the police department working on the case AND the number for the XXXX XXXX fraud investigator who could confirm it was fraud ( i offered to call both while on the phone with the experian rep ). THey declined both offers. they suggested i get a letter from XXXX  XXXX stating this was fraud, which i am willing to get, but i asked them for what specific criteria needed to be included in the letter for them to accept this document. They had no predefined criteria that would guarantee that they would even accept this letter. Everytime i called Experian they gave me a different reason why they could not resolve this dispute. They put the blame on XXXX XXXX, but as mentioned when i offered to call my contact at XXXX XXXX they declined. XXXX  contacted XXXX XXXX and XXXX XXXX confirmed this as fraud. I also asked experian who they were contacting at XXXX  XXXX ( so that i could have the XXXX XXXX  fraud investigator call the appropriate division at XXXX XXXX ). They said they could not furnish this information. This involved multiple called with multiple people at Experian giving me different answers each time as above. All while still keeping a fraudulent transaction affecting my credit score.

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