vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-04-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: WA

Complaint narrative:
Continuing problems with false reporting with  XXXX  mortgage company. We 've reported this company in the past and when investigated it was found we had made every single payment EARLY and they had made an error on their end in   XXXX   XXXX   XXXX   They updated the account after we proved we made all of our payments  ( cashed checks do n't lie ) for the end of the investigation but then turned around less than 3 months later and started charging us a bunch of late fees and are now reporting us as " delinquent '' on our credit reports. We have read hundreds of complaints regarding this company and do NOT understand why they have not been shut down at this point, as it appears they do this to everyone. Our credit is now ruined by them yet again and we are not in a position to refinance our mortgage with our lowered credit scores from their false reporting. We have every single bank statement clearly showing we 've paid early on every single pa yment but they still claim we 're behind on payments. This needs high intervention and a class action lawsuit should be filed for the lives this company ruins.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-20 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: NJ

Complaint narrative:
I am behind on my Mortgage payments, I have had poor-paying jobs for a few years, plus mental and physical health issues. Since end  of 2016,  I have tried to work with the Co, to resolve some title issues on my property. I understand that I have the right to request the complete closing docs, from the original closing ; but the Mortgage Co has been very slow and in-cooperative with my request for docs. Finally, after several verbal requests, I was informed to put a request in writing, which I did.  Now there may be  a  Sherriff 's sale on m y property, while I am still being delayed by the Mortgage Co, over my requests for info. I shall probably go forward with the Dee d in Lieu of Forec losure, since I am running out of time, caused directly by the in-cooperative movements by the Mortgage Co. Please advise if I have any leverage over the  Mortgage co. wa sting so much of my time. I do not have any money for an attorney.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-17 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC
State: NY

Complaint narrative:
My father had a reverse mortgage wit h Champion. He pa ssed away in   XXXX   XXXX  . As his executrix of the estate, I have been working with Champion Mortgage to settle the outstanding debt and have informed them of my intent to submit the deed in lieu of foreclosure. I submitted the deed in lieu form on   XXXX   XXXX   XXXX  . While the deed in lieu of foreclosure option is being pursued,  Champion  contacted an attorney and started the filing of a foreclosure claim. The attorney,  XXXX   XXXX  in  XXXX , NY served me with the foreclosure action and left the document without an envelope with the doorman of my apartment building. The attorney followed up with a  2 p age letter of the suit sent to me in an envelope, then the letter with the attachments was separately mailed in an envelope marked personal and confidential, and finally a copy was sent in an envelope to my father 's address, which was forwarded to me.Therefore, the attorney intended all along to submit the documents via an envelope. So leaving a foreclosure suit in this manner with a doorman was done blatantly to embarrass. This action was quite unnecessary. I am extremely displeased that something so personal was left without an envelope with a doorman of an apartment building. My husband is on our co-op board and this personal information could have inadvertently been viewed by other members of the board. While I am listed as a defendant in the foreclosure suit as an heir, I am not personally liable for the debt. It is very distressing knowing that I am being fully cooperative with  Champion and have stated my intent to provide the deed. Even though the complaint is not really against Champion,  I thought this matter was something that should be raised to the CFPB 's attention.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-18 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem cancelling or closing account
Company: Phoenix Financial Services LLC
State: KS

Complaint narrative:
Hi I spoke with the credit agency  three tim es regarding this matter provided documentation twice they informed me that it was my responsibility to find out what 's going on not theirs if still not corrected this and I am now in the process of filling complaint with the   XXXX   XXXX   XXXX   as well as your office and attorney assistance over to correct my credit and I was not required to pay and it was paid to the original debtor back in   XXXX     I 'm including the copies of that document as well as the showing that  XXXX  was not responsible for work from the beginning

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-21 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I have sent numerous of certified mail dating back to  XXXX / XXXX / XXXX  to  XXXX / XXXX / XXXX   Asking Bank of America to valida te this debt of {$13000.00} that they say I owe. And in validating the made pursuant to the Fair Debt Collecion Practices Act I requested validation that is competent evidence bearing my signature, showing that I have or ever had some contractual obligation to pay them. Asking them if they can not validate the debt then per the FDCPA they must delete from all credit reporting agencies.  (   Section 807-8 ) Well the y have not complied in the last 10 months of me sending these certified letters that they signed for and still have yet provided me with evidence bearing my signature of validation. Certified Mail  1 )   XXXX   2 )   XXXX   3 )   XXXX   4 )   XXXX . On  XXXX / XXXX / XXXX  I sent   XXXX   a Certified Letter including all of the certified mail receipts and all of my attempts in getting this debt validated. I got a notification that my disputes were completed and pulled my credit report on  XXXX / XXXX / XXXX  and noticed that not only were they not deleted but Bank  of America was   contacted by   XXXX   validating the debt once again without any contract bearing my signature but violated the FDCPA by not marking this debt as "  Disputed ''.  within 30 days. I can simple prove  that Bank of America o we me damages of {$1000.00} per P art 1 FDCPA 808 ( 8 ) I ' ve attached all of my supporting documents including  XXXX  disputed confirmation #  XXXX  Inwhich confirms not only did they not mark it as " Disputed '' but continue to validate the date without any proof.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-19 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
After  XXXX  years and  XXXX  months,  XXXX  sold our 15 year, fixed-rate mortgage to  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  effective   XXXX   XXXX   XXXX    .  XXXX  sent us a NOTICE OF SERVICING TRANSFER dated  XXXX / XXXX /  XXXX   and we received it the following week.  XXXX  sent a SERVICING TRANSFER NOTICE dated   XXXX   XXXX   XXXX   that we received on or about   XXXX   XXXX  . Both the  XXXX  letter and the  XXXX  letter indicated that ACH payment arrangements would continue without interrruption. Our payment arrangement with  XXXX  from the time that the loan was originated until the sale date was half payments deducted by  XXXX  withdrawal from our checking account on a biweekly basis. After being unable to register our account on the  XXXX  online system between   XXXX   XXXX   and   XXXX   XXXX      XXXX  , I called  XXXX  Customer Service on the afternoon of   XXXX   XXXX   The recorded message said that the account information for newly acquired mortgages would not be availble on the online system for  XXXX  days but that payments must still be made in the interim as their   XXXX   letter also said. However,  XXXX  did not provide any information about the amount of the payment due or the due date. The customer service agent was able to look up our account in a separate system for newly acquired mortgages. He told me that this transition would be " smooth '' and specifically that my payment arrangements would continue as with  XXXX . He specifically told me that the first ACH transaction that  XXXX  would have processed on  XXXX   XXXX , would be delayed until approximately  XXXX   XXXX  and that regular biweekly ACH withdrawals would resume on  XXXX   XXXX . He told me that no action was required on my part to authorize this. The agent also told me that we would receive a phone call about  XXXX   XXXX  orienting us to  XXXX  and its customer service, but did say that if we had n't heard from them by about  XXXX   XXXX , that I should call back. By  XXXX   XXXX , no ACH withdrawal had taken place and no phone call had been received. On that date we received a letter from  XXXX  informing us that  XXXX  did not offer the payment plan that we had with  XXXX  and that we would have to authorize a new ACH withdrawal. We were able to register our account onine on  XXXX   XXXX  and authorize a new ACH transaction, the only option was a single monthly transaction, contrary to what I was told directly by the agent on the phone on  XXXX   XXXX . I believe that  XXXX  has deliberately provided false and misleading information and is acting in bad faith. I advise anyone whose mortgage was recently acquired by  XXXX  to document all contacts and retain all written correspondence. Consider hiring an attorney if you think that is warranted.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-19 00:00:00
Product: Debt collection — Federal student loan
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Navient Solutions, LLC.
State: OR

Complaint narrative:
Continued robo-calls to old telephone number belonging to family member ; I assume they 're attempting to collect a debt which was paid in full 7 years ago. These calls do not state the caller 's name but "  Navient '' a ppears on  Caller ID. These  calls only state " call  XXXX   (  number varies ) ; no further info is provided. Sometimes the number provided for a call back is only  XXXX  digits so is an incomplete telephone number.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-21 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I tried to apply online for a checking account and it says on the letter that I received that I was on  XXXX  as reported by Ban k of America. I do n't own that account. I have no account on Bank of America..

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-19 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC.
State: NC

Complaint narrative:
I have been enrolled in an auto pay plan wit h Navient for th e past 2 years. I have made each payment on time and some months early. I called due to my financial situation changing ( we have a  XXXX  and my husband lost his job ). I am now the sole income for a household  of 3. I inqu ired on a hardship or reducing my payment amount so that I can make ends meet at home. I advised them I want to continue to pay and remain in good standing but I 'm not able to do so at this payment amount. I was bluntly informed there were no other payment options available and my payment was not going to be reduced because it is a private loan. I attended  XXXX   XXXX  when I obtained these loans through  Sallie Mae

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-21 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: DISCOVER BANK
State: PA

Complaint narrative:
I was given a credit card with 0 % apr for purchases made with the card which ends in  XXXX  of  XXXX . I was also given a 0 % pr for balance transfers that is good until  XXXX   XXXX . I used the card to purchased  XXXX  high end items totaling almo st 600  dollars that did n't work out and need to be returned. Once the items were returned discover credited the refund to by balance transfer amount and not my total purchase amount which in turn is making me pay an extra  XXXX  dollars toward my purchase balance that will need to be paid off by  XXXX  in order not to be charged interest. Honestly after trying to rectify the problem with discover with no avail I feel like this promotion is a scam to real customers in to make purchases and if for any reason you need to return the purchases you can but at a higher price to pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Nationwide Biweekly Administration, Inc.
State: PA

Complaint narrative:
I was sent information on a company called,  National wide biwee kly administration, inc to help me pay my mortgage faster and in 2 monthly payments instead of  one large one w hich never got to my  XXXX  housing finance mortgage company on time causing me late fees and when I complained they cut me off keeping  3 ful l work checks of mine saying that was there fee for do me that favor. So they stopped completely which I have the letters stating that they are in management changes but I can not get my fee back or other losses.   My account with them is #  XXXX  record number :  XXXX . I want  my 3  checks I paid for for this service which equals to at least {$5000.00} and then the penalties I had sustained for them not getting my mortgage in on time.  Rounded is  about another {$1000.00} not to mention the bad smear on my credit for being late on my mortgage it cost me. I could n't reocer for 1 year and have. It 's now that I 'm catching up. I had people coming out from mortgage company checking on my house and it 's a well kept house. I was very embarrassed. I want this company held accountable for doing this to a bunch of. I am willing to sue this company for pain and suffering a sell as all my lost for at least {$50000.00}. FHA is not the problem it 's  Nationwide biw eekly. I see on your government website that others have complained to case  XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-21 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: BB&T CORPORATION
State: TX

Complaint narrative:
In  XXXX  I financed a car from   XXXX   XXXX   XXXX   they sold me the car for  XXXX  with a 19 % interest rate, Unfortunate my car was totaled in   XXXX   due to Mother Nature, Hail Damage. I had GAP Insurance as well I was paying additional money to Regional Acceptance my insurance company   XXXX   XXXX   paid them  XXXX  and  XXXX  took the car as well. I have a debt still of  XXXX  and I have no car and making payments. I called to request a principle forgiveness I am not able to purchase another car since I have a not with them. I called to see if they could forgive the balance and they said no. They want  XXXX  after they took my car and they got paid insurance money and they gave me a ridiculous interest rate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-19 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have an eviction from   XXXX   coming up on my record. I am not able to rent an apartment. This eviction was dismissed and was ordered to be sealed by the judge on   XXXX   XXXX   XXXX   I need it off my record.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-15 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
This is my third complaint against Bank of America. The first is numbered : XXXX and the second is numbered : XXXX. I am submitting a third complaint because my original issue fails to be addressed appropriately or sufficiently. I have expressed this to the Bank of America XXXX representative, XXXX XXXX XXXX. He called me on XX/XX/XXXX and proceeded to get very argumentative and to deny what he stated to me over the phone, splitting hairs to defend Bank of America and refusing to acknowledge the bank 's lending age discrimination tactics. I then stated to him that these tactics span an entire year. He apparently did n't realize I had a second experience this year with a BofA loan officer. However, I did state this repeatedly in my communications to Bank of America and XXXX XXXX 's lack of knowledge of this information means he is and was not paying attention and not reading my communications I also stated the same information to a XXXX XXXX XXXX who also did not process this information and did not respond to me in a way that indicated he was including the two incidents of age discrimination which I clearly stated to him. This entire debauchery, from the incidents with the two loan officers and the two men, XXXX XXXX and XXXX XXXX, who allegedly investigated my claims, means that no one is taking what I am saying with any weight or seriousness and are not taking the time to pay attention and investigate EVERYTHING. They are leaving certain facts out, I want a new investigation to include the second attempt I made THIS YEAR to refinance, and for which I was refused with a 3-5 minute phone call. I again was advised by XXXX XXXX that there are other programs for which I could have applied but which was not told to me either last year by XXXX XXXX or this year by the second loan officer. That second attempt this year was made on XX/XX/XXXX at approximately XXXX EST.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-18 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: Radius Global Solutions LLC
State: IL

Complaint narrative:
I returned a leased vehicle to  XXXX  on   XXXX  , before the lease through  XXXX   XXXX   XXXX  matured on   XXXX  . Dealer reviewed vehicle and did not see any damage, however said a third party reviewed all vehicles upon return and would do so in the next week.   On   XXXX   a check was issued and mailed to my correct address from  XXXX   XXXX   XXXX  for {$530.00} in over payment after satisfactory completion of the lease and return of the vehicle.   I did not receive any further correspondence in regards to the lease from either  XXXX   XXXX   XXXX  or  XXXX   XXXX   XXXX   XXXX  for all of  XXXX . On  X/XX/XXXX , I received a letter in the mail ( dated   XXXX   ) from  Central Credit Services, LLC ( a debt collector ) wh ich said I owe {$1500.00} to  XXXX   XXXX   XXXX   XXXX  and said " your leased vehicle was returned and your account balance  may consist of one or more of the following charges : unpaid lease charges, mileage and/or wear and use over and above the allowed by your lease agreement ''.    I contacted both  XXXX   XXXX   XXXX  and  Central Credit Services an d inquired about the letter and also why I was receiving notification of any supposed issues 13 months after the vehicle was returned with no communication in the interim other than the refund check I received from  XXXX   XXXX   XXXX  for satisfactory completion of the lease. A  XXXX   XXXX   XXXX  representative said additional correspondence was mailed - however they notice it was mailed to another address in a different state. The representative also said now that the matter was with a debt collector they will not provide that correspondence and I must work with the debt collector.   I contacted  Central Credit Services  and their representative was just extremely rude, said they just received the file, do not have any of the correspondence, but the debt is mine and demanded payment and that I tell them how I will pay. When I challenged further the representative said she would mail me pictures of the damage on the vehicle ( of which I know there was none ). The pictures I received in the mail were approxima tely 1 inch x 1 inch s canned. Absolutely nothing can be seen in the pictures. You can not even tell what you are looking at.   Very frustrated with both organizations. I was issued a refund check, received no correspondence for over a year, and now am being told I owe {$1500.00}. I also know for a fact there was nothing wrong with the vehicle when I returned it and the milage was well below the amount allowed under the lease terms.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-20 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC.
State: CT

Complaint narrative:
they keep raising my interest rate and i 'm constantly paying every month and my balance isnt going anywhere as majority of my payment goes to interest and not principle. they keep raising and raising and not telling me. just seems near illegal. I call them to help and they do nothing. i know they are getting sued by the government. i was told file a compliant thats all i can do for now.

Company response to consumer: Closed with explanation