vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-02-22 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
I went to refinance my home to find a lien on it. My ex husband claimed bankruptcy and wrapped that portion of debt he was assigned into the bankruptcy. I was not on the loan not was assigned the debt through the divorce process. My final divorce decree clearly states the debt is his alone. Navy Federal credit union even after showing them the divorce decree and the deed which is in my name only refuses to remove the lien and had even suggested I sue my ex husband to pay the lien off

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Financial Business and Consumer Solutions.
State: MS

Complaint narrative:
University XXXX XXXX is alleging that I owe them a balance of {$1100.00}. ( which is showing up an unsecured loan on my credit report ). I do not owe this debt. After requesting a copy of my credit reports, the opening date is showing as XX/XX/XXXX. I did not attend the university orientation until XX/XX/XXXX. Late XXXX, I received a letter from the collection company ( Financial Business and Consumer Solutions . The letter was dated for XX/XX/XXXX requesting a payment in full. The letter stated, Unless you notify this office within 30 days after receiving this notice that you dispute the validity of the debt or any portion, thereof, this office will assume the debt is valid. I sent a debt validation letter ( which is attached ) to the collection company on XX/XX/XXXX. I received a letter from University XXXX XXXX on XX/XX/XXXX. The letter was dated XX/XX/XXXX. University XXXX XXXX did not validate the debt but sent a transaction history and no document that bears a signature where I promise to pay. According to the National Student Loan Data System, the class was paid for in full of by student loan. University XXXX XXXX states that my withdrawal date was XX/XX/XXXX. University XXXX XXXX wrote off the debt on XX/XX/XXXX. Financial Business and Consumer Solution began contacting me on my phone starting in XXXX since then I have been getting random calls from different numbers. The calls are harassing and very annoying. I understand that a collection company can not contact after being told not to.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted you instead of your attorney
Company: Portfolio Recovery Associates, LLC
State: IN

Complaint narrative:
I am filing Bankruptcy. I have notified this agency and they continue to contact me via phone, and not contact my attorney.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
In 2014 my credit cards and driver license and SSN information & cell phone was stolen. I filed a police report but I lost the police report is been 2 years. They used my credit cards and accumulated total of {$30000.00} dept. I called the credit card company but they told me I have to pay the depts around {$8000.00} on each card. I been trying to get a good paying job but I have collection accounts that are not mine and the sad part I cant get hired. Please help me out I cant move on with my life. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-22 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
I am getting calls from number that says it is XXXX XXXX in XXXX. ( XXXX ) XXXX multiple times a week. If answered get rude people saying they are from Portfolio Recovery. Very deceptive and demanding of information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-22 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: LendUp Loans LLC
State: IN

Complaint narrative:
I believe I was overcharged on loans I payed off early.. I have been charged {$36.00} to {$38.00} on loans I payed off early.., Shouldn't the amount of interest collected be adjusted for the early payoff.,

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-22 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ocwen Financial Corporation
State: CT

Complaint narrative:
My name is XXXX XXXX, and I am disputing a debt through HUD, that I feel OCWEN is responsible for. I have attempted to contact OCWEN and HUD many times. I am in the process of disputing this loan through the treasury department. When the property was sold, the attorney, XXXX XXXX was provided one loan number through OCWEN and I was never notified that an additional payment was due. I was never contacted by HUD representative during the time I owned the property. I feel that I am a victim of predatory lending and in immediate need of assistance as the next steps are garnishing wages. Please contact me as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-22 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Massachusetts Educational Financing Authority
State: CA

Complaint narrative:
I have made every payment since I re-fied my student loan debt from XXXX XXXX to XXXX/XXXX. My current job has not be able to pay me this month, and I am currently in the process of trying to find another one. I called XXXX  ( the servicer ) trying to do anything, and was flat-out told no, that there is no help for me. I have tried to help by warning them I couldn't make the payment but they are unwilling to work with me. I have worked so hard to try to repay, and to raise my credit score, but all that is going to waste because they can't lose one payment. They don't care whether I starve or can't make rent.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
This is 2nd complaint against Santander. Been trying since XX/XX/XXXX to fix this mess. They have refused to co-operate with our continued efforts to fix mess they made with our escrow account. Blaming town, me, everyone but themselves. They made tax payments, took $ $ out of our account, then charged us additional $ $ saying taxes were outstanding. They pay the taxes, why are they outstanding? We are being charged extra {$580.00}. Have tried to cancel escrow, they will not do without us paying extra fees, claims it is in our contract and that we got .25 % less of a rate for them doing the escrow. However, our mortgage was done under HARP so that is a lie. They refuse to send me proof or that we signed anything to this effect. Refuse to send me copies of cancelled checks for taxes paid to town. They paid our taxes for XX/XX/XXXX and took XXXX out on XX/XX/XXXX. in XX/XX/XXXX the took out XXXX saying it was outstanding taxes for the above payment when none was due. Was told onXX/XX/XXXXby XXXX XXXX - their XXXX tax dept - that it was an overpayment and that in 24-48 hours we would get $ $ back into account, and ok for us to pay P & I pending reimbursement. $ not back in our account. Sent cert. letter to tell them to stop paying taxes, they ignored and paid our XX/XX/XXXX tax against our wishes. Refuse to reimburse the $ $ they took out. Where is this money???? We paid our XX/XX/XXXX mortgage at bank, principal and interest and XXXX arrears in escrow, pending the reimbursement of {$580.00}. However, now getting collection calls that our mortgage overdue, illegally charging us late fees, and even though our receipt says it is for P & I, they are refusing to credit our account. They are making collection calls and sending letters that we have not paid our mortgage when we have the proof we did, and we are not behind.

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 2018-02-22 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Payward Ventures Inc. dba Kraken
State: CA

Complaint narrative:
On XX/XX/2017, I sent XXXX XXXX an email about sending Bitcoin Cash ( BCH ) to a Bitcoin address ( BTC ). 

I thought I was sending to a BCH address but it was a BTC address all along. Usually when these things happen, the company has access to the private key of the address. I emailed XXXX and asked if they had access to retrieving my funds and they confirmed that they could, but it would take a " maximum of 90 days. '' I waited 90 days, then 100, then 130, all the while emailing them and asking them the status of my retrieval. They have given me excuse after excuse as to why they haven't found the time ( this retrieval would honestly take 5 minutes using even a mildly competent developer ).

It has now been about 200 days since I've first opened my support ticket. I've sent over 50 emails to them, they've responded to many. But it's now been 30 days since I emailed them asking about my funds and they have since stopped responding completely.

The total value of these funds were at one point XXXX. They have now dropped to about XXXX. I'm fine with that but I just want my funds back. This is ridiculous. 

This situation has brought me to tears because these funds could completely eliminate my student loan debt - I've told them - and they are non-compliant with my request.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
XXXX  and Transunion continues to report incorrect information regarding an installment account with XXXX XXXX XXXX. XXXX XXXX has been reporting my account late for the past 5 months and that is incorrect. they receive automatic payments for me every month and my account has not fallen behind, This is reflecting my report and it is effecting my scoring with this incorrect information. this account has not been validated or verified and I am being taking advantage of. Please remove this incorrect information from 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 2018-02-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Diversified Consultants, Inc.
State: TX

Complaint narrative:
I returned the XXXX XXXX items in their self shipping label and they are trying to collect for items that I returned. If they just go check their XXXX for the tracking number, they could prove that I sent it in. XXXX XXXX refuses to talk to me and says that I need to speak with Diversified. Diversified says I need to speak with XXXX, so they just keep pointing the fingers at each other and nobody wants to do anything. If they simply check on the tracking number, they will find that it was returned and this debt does not belong to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-22 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am not disputing the XXXX XXXX # XXXX account please remove the verbiage listed " disputing ''

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 2018-02-22 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Diversified Consultants, Inc.
State: CA

Complaint narrative:
Diversified Consultants XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX Requested on (? ) XX/XX/2017 Permissible Purpose : Collection I do not know these people. They are mistaken in applying this to my credit profile.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am not disputing the XXXX XXXX # XXXX account please remove the verbiage listed " disputing ''

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 2018-02-22 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
i recently sent experian two documents reguarding an account on my credit report via certified mail, i also sent a photo id and a social security card..both documents were very clear in detail, one which under federal law and spelled out very clearly was basically not honored or reviewed, as an employee lied to me about what i requested..i sent a method of verification letter which clearly stated the account i was inquiring about, which states under FCRA 611 ( a ) ( 7 ) that i have the right to receive the documents that they have used to verify the account was mine, within 15 days.the agent i spoke to told me that they dont have any documentation about the account and that they arent required to send it to me.so experian sent me a letter stating that they couldnt honor my request based on the limited amount of information regarding my dispute when clearly in the heading of my method of verification letter that they received it states the name of the account that i am inquiring about.

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 2018-02-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: NJ

Complaint narrative:
Hello, My husband and I had a mortgage through XXXX ( it was in his name ). After he XXXX XXXX   in XX/XX/XXXX, I took over as the executor of the estate. I purchased insurance through XXXX XXXX for the home in XX/XX/XXXX. However, XXXX purchased extra insurance on the home ( forced-placed insurance ) -- at an extremely high rate of {$11000.00} or so per year. They then increased my escrow and my total payment jumped significantly. We tried to resolve the issue with XXXX, but they have since then sold my mortgage to a debt collector, Bayview Loan Servicing LLC ( who currently hold the mortgage ). 

The loan number at Bayview is XXXX. 

The home address is XXXX XXXX XXXX, XXXX XXXX, NJ XXXX Their customer service rep advised that if we could provide proof of insurance for the home for the period ( XX/XX/XXXX onwards ), we would receive a full refund for the forced-placed insurance. I have attached the proof of insurance to this email. The proof of insurance lists the my name + the Estate of XXXX XXXX XXXX ( my husband ). It fulfills all of the requirements they have asked for. This has been extremely difficult with Bayview. They have regularly not known Yet now they are refusing to provide the refund, arguing the insurance was not sufficient. Since its a significant amount of money I've been charged, I have been left with no choice but to file this complaint. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
call 4-5 times a day! 
XX/XX/XXXX@XXXX XXXX XXXX XXXX XX/XX/XXXX @ XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX @ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX @ XXXX XXXX 2 times XXXX XXXX XXXX XXXX XXXX XXXX XXXX is the number

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 2018-02-22 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Struggling to pay your loan — 
Company: TMX Finance LLC
State: TN

Complaint narrative:
I received a letter in the mail on the XX/XX/XXXX from XXXX offering a settlement on title loan whichhad me puzzled. I had gone to XXXX shortly after getting loan on car and had informed company I was in XXXX   and would be there for a long length of time and to please pick up car due to my inability to pay. I called and was informed that XXXX never pick up vehicle after my request but instead after car sat on property for almost a year and apartment building was being remodeled landlords had car towed. Company informed me paperwork and documentation was sent to myself and XXXX but was never pick up by me due to being in XXXX.XXXX did npt pick up car.fast forward XX/XX/XXXX I call said company 3 times the first time to try to get a clear understanding of what was going on. The second was discuss possible payment but I needed more information which was meet with hostility. The third time I just attempted to pay then I was informed that the offer supposedly expired XX/XX/XXXX.I informed agent that letter was printed on XX/XX/XXXX and that it was mailed from Texas and XXXXhat I had received it on XX/XX/XXXX and  that the next business day was Tuesday since XXXX XXXX was Monday and the letter did not list a expiration date. Again agent got hostile which made me angry and need to end the call

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: LD Holdings Group, LLC
State: TX

Complaint narrative:
I am behind on my mortgage due to medical reasons. I called LoanDepot on XX/XX/XXXX to see what my options were. I was told that if I could come up with a large sum of money by XX/XX/XXXX then I could set up a repayment plan and avoid foreclosure. I saved and borrowed money for weeks and called them back today ( XX/XX/XXXX ) for them to tell me " Sorry, your mortgage is already in active foreclosure and basically there is nothing you can do about it. We have had this issue of inconsistency with LoanDepot before and it caused even more of a delay of being able to pay our mortgage. I feel that I am being taken advantage of due to the lack of knowledge of the staff at LoanDepot.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Statebridge Company
State: IL

Complaint narrative:
In XX/XX/2017 I closed a contract agreement with the Illinois ( XXXX ) in conjunction with XXXX   XXXX XXXX XXXX ( XXXX ). XXXX would pay Statebridge ( SB ) {$19000.00} to bring my mortgage account current, and make monthly mortgage payments to my account for 12 months. During this period SB has charged fees to my account for late pays, foreclosure fees and sent adverse information to the credit bureau, which violates their agreement with XXXX and me. ( see attached paperwork ) SB has recently threatened me with foreclosure even though they have been paid on time by XXXX. Because of the fraudulent information on my credit report I can not refinance etc. SB practices burying money upon receipt and post on account whenever they feel like it, usually after the 15 day mortgage payment grace period. XXXX and I have been told while talking by phone with SB, that it may take up to 45 days for payments to post. ( Rather convenient since all mortgage payments are due no later than the XXXX of each month. )

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
I have sent numerous debt validation notices and never received a response back from the creditor. As per the Fair Debt Collection Practice Act ( FDCPA ), a credit is supposed to response and no attempt to collect until they have responded. However, this creditor has not responded and is still attempting to collect, which is in violation of the FDCPA. My next step is to contact a consumer protection attorney unless the matter is resolved here. 
This account was paid to the original creditor after it was charge off.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-22 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: EQUIFAX, INC.
State: PA

Complaint narrative:
Equifax and XXXX  continues to report incorrect information regarding an installment account with XXXX XXXX XXXX. XXXX XXXX has been reporting my account late for the past 5 months and that is incorrect. they receive automatic payments for me every month and my account has not fallen behind, This is reflecting my report and it is effecting my scoring with this incorrect information. this account has not been validated or verified and I am being taking advantage of. Please remove this incorrect information from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC
State: MN

Complaint narrative:
XX/XX/2018 marks the anniversary of the successful completion of my loan modification with Nationstar aka Mr. Cooper. Part of the completion of the loan modification the on going late fees should have been removed and or not charged. They claim I owe {$740.00} in late fees however I disagree.

Company response to consumer: Closed with explanation