vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-06-22 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANCO POPULAR DE PUERTO RICO
State: PR

Complaint narrative:
Dear Consumer Financial Protection Bureau Representative : Several week ago, an official from Banco Popular de Puerto Rico ( BPPR ) called me with some alternatives for the refinance of my actual Convectional Mortgage with BPPR, using the Federal HARP Program.
<P/>
The bank official offered several alternatives with different scenarios ( years and mortgage rate on interests ). During the call, I request a couple of days to decide with my family among the different refinance alternatives proposed by the Bank official. He promised to call me again in two days, and I promised him that in two days I will decide among the different alternatives proposed. In facts, I was very interested in refinance my current mortgage for a new mortgage for 15 years at 3.50 interest rate. This is one the alternatives offered by the official.
<P/>
The official NEVER call again. I need to refinance urgently, because the mortgage interests are changing rapidly. <P/> JXXXX XXXX XXXXs de XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Puerto Rico XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-22 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
I 've been paying Navient consecutively every XXXX of the month for a few years now. Not until XX/XX/XXXX did I check my bank account and notice that the usual payment {$300.00} + did not come out. I called navient & spoke with a represtative, she explained that they no longer excepted payments via credit card this is why the charges did n't go through and that I will have to set up the payments through auto debit. I agreed and she proceeded to explain that the monthly payments for both A & B private loans will be a total amount of {$160.00}. Fast forward to XX/XX/XXXX I obtain one email from XXXX XXXX at navient stating that I should contact them due to an error in my account. When I called I spoke to XXXX and I explained everything above. She understood my issue and said she will pass it to a mgr who will call me back in a week. No one called me, so I followed up today on XX/XX/XXXX Only to be told by the mgr XXXX that even if I pay the back balance today i will 1. still be charged a late fee, 2.the late fee will remain on my record & this will disqualify me to release my consigner in the future, and 3. to make matters worse I now have to pay interest on top of the principal increasing my payments to {$350.00} & change instead of the {$320.00} I was paying for years. I find it to be ridiculous that I now have to be penalized with extra fees due to the reps mistakes. I was only recently notified this month, and they tacked on all these fees, placed me on forebearence because of it. The reps were rude and not helpful at all. I understand this may not seems like a huge increase in payment to some, but it makes a huge difference to me, and hurts me financially. I 'm hoping that the forbearance can end and my regular payments can be eplimented. Many thanks in advance

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc
State: GA

Complaint narrative:
Hunter Warfield has been notified approximately ( 5 ) times since XX/XX/XXXX that a debt that they are reporting against my name and social security number are fraudulent. I have had to dispute this with them now ( 5 ) times and have also completed a fraud affidavit that they sent me to complete, but they continue to reinsert the same fraudulent information into my credit report each year. Every time I resolve this matter with them and go through all of the steps to have this fraudulent account removed from my credit repot they continue to re-report and re-insert it into my credit files, and they know that they are doing this fraudulently, but they have no regard for the law. <P/>I never lived at the XXXX XXXX XXXX, and I never even stepped foot in the place and never submitted an application to that property, and this was opened as a result of identity theft. Not only have I been through this ( 5 ) times with Hunter Warfield and even submitted a police report they continue to try to blackmail me by reinserting this fraudulent account into my credit file hoping they can force me to pay it. <P/>This is a fraudulent account and is in no way associated with me, other than my stolen information was used to open the account. At this point I should be suing Hunter Warfield for defamation of character and exortion, but I have not as of yet. <P/>HUNTER WARFIELD, INC Agency Address : XXXX XXXX XXXX XXXX XXXX, FL XXXX Date Reported : XX/XX/XXXX Date Assigned : XX/XX/XXXX Creditor Classification : Rental/Leasing Original Creditor Name : XXXX XXXX XXXX Account Number : XXXX Account Owner : Individual Account. Original Amount Owned : {$1800.00} Date of 1 st Delinquency : XX/XX/XXXX Balance Date : XX/XX/XXXX Balance Owned : {$2200.00} Last Payment Date : N/A Status Date : XX/XX/XXXX Status : D - Unpaid Comments : Consumer disputes this account information

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: NY

Complaint narrative:
I had lost my job i n 2014 and was in the middle of a mortgage modification with my mortgage company. I had 50 % equity in my home. In the  XXXX  of 2014 my mortgage was taken over by OCWEN. After two y ears of pure stress produced from foreclosure threats, confusing conversations, correspondents and refused payments, they finally modified my mortgage. During that time they lost documents, made financial mistakes and in the end added {$12000.00} more to my principle.   XXXX  I am now stuck with a mortgage with a deceitful, dishonest company. I know they have been sued over and over for the same reasons. If not for my own persistence and knowledge in the matter, I would have lost my home. I have recently asked them for detailed information regarding the added {$12000.00}. As usual, I received a document that makes no sense and no explanation for the added {$12000.00}.

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 2017-06-23 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: TN

Complaint narrative:
I was contacted by XXXX XXXX XXXX XXXX from XXXX GA about a payday loan debt I took out about 2 years ago from Easy Money in XXXX TN for {$25000.00}. XXXX XXXX called me on my job and threatened me that if I did not sign a promissory note and pay them {$100.00} within i week with a credit card or debit card that he would be garnishing my wages for {$1500.00}. The following day he called my fiancee on her mothers cell phone and discussed my debt with her. He told her that I had to pay {$100.00} in 2 days then pay {$350.00}. within a very short time and if I did not do a promissory note the following day and pay the day after that that I would be served with papers that had already been approved through the court and I would have to pay {$2000.00}. My fiancee and I have just had our first child and this payment would cause a great deal of undue hardship for my family. I researched my consumer rights and the following day I received a message from XXXX XXXX on my in-laws cell phone again threatening me that if he does n't hear from me by the end of the day I will be served garnishment papers at my job the the following day. He called back and my fiancee tried to ask him for information concerning his company, the address and the license # and documentation about the loan he rudely interrupted her saying documentation has been sent and an email was sent which it never was and that he would be sending someone to my place of business with papers in the am. He then proceeded to call my boss told him I had bad checks and was going to be arrested. My bosses company depends on me to be there every day and he said he would pay this debt to keep me out of jail. I have to pay this back to my boss with my pay check and it will greatly harm my ability to pay my rent and get food for my family.I am extremely angry and feel this man has put lies and my financial business out to people who have no business knowing. I plan on legal actions concerning this company and this man.

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 2017-06-23 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
Dear, Sir/Madam, I did not know to whom I should address my concerns to so if you would be so kindly as to forward it to the appropriate area I would be greatly appreciated.
<P/>
My name is XXXX XXXX XXXX I have had nothing but misery since you have become my mortgage holder. Your paper work has my mortgage start date as XX/XX/XXXX for the amount of XXXX however this mortgage was started in XX/XX/XXXX and original amount is for XXXX please see the attach documents. I am also attaching the copy of the document you sent title wellfargo 1,2,3. Please note the signature on the bottom of those document are not mine or my husband. They seem to be paste and cut.

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 2017-06-23 00:00:00
Product: Debt collection — Mortgage debt
Issue: Communication tactics — Frequent or repeated calls
Company: U.S. BANCORP
State: MN

Complaint narrative:
My complaint is in regards to us bank home mortgage. I receive calls daily about my account being past due. Although I have never hit the 30 day late mark in the life of my mortgage. Representitives will call and refuse to identify themselves and hang up when questioned. Then call back later. I have spoken to 2 reps in the last 2 days and explained that I feel harrassed and there is no need to call me on my cell phone during my work hours because it jeprodises my job and my sanity and incurrs charges from my cell phone carrier. They will only say " you can submitt your request in writing and wont go past that. I have requested to speak to a manager to no avail and they do not take complaints on their own employees. Furthermore the reason I am perpetually late on my payments is because they are unwilling to adapt my payment due date and insist there is nothing that they can do. So on a monthly basis my credit is damaged although my payments are made no more that 30 days apart and allways have been. In semation I explained that these calls and their nature made me feel harrassed. I offered a valid time for communication between us bank and myself which is on sunday between XXXX amd XXXX. I offered in good faith to set up automatic withdrawals if they will stop damaging my credit and they refused. The reps are rude, then after sent my account immidiatly to loss mitigation in my view as a further insult to me. In no way have the calls been in compliance with the fdcpa or even moral value. The most recent calls were XX/XX/XXXX and XXXX 2017

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 2017-06-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: CT

Complaint narrative:
My account at Fed Loan Servicing was setup with " paid ahead status '' and 9 of my payments were n't counted towards Public Service Loan Forgiveness. It took a Fed Loan Servicing Borrower Experience Advocate to escalate my case to a PHEAA Consumer Advocate to get things resolved. He eventually got the ok from FSA/Department of Education to have me pay {$190.00} to have the 9 payments come into compliance and count towards the 120 needed for PSLF. Connecticut Senator 's office was also  involved. I was surprised to learn that Dept of Education 's Ombudsman was subcontracted to XXXX, XXXX in Kentucky. Three CFPB cases were opened on this matter : XXXX, XXXX, XXXX. Thanks to XXXX XXXX at Fed Loan Servicing, XXXX XXXX at PHEAA, XXXX XXXX at Senator XXXX 's office for their help in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-23 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: PA

Complaint narrative:
I invested my money to buy ETH at XXXX, my balance was about {$110000.00}, i loaned from them {$10000.00} to make a little more money, and suddenly within seconds the price went from $ XXXX/ETH to $ XXXX/ETH liquidating everyone from their positions. The technology failed and froze everyone out of their accounts, No one could access to their account at the time and No one was notified of margin calls. The site shut down for an hour or two after before trading resumed and everyone that has margins was liquidated.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
On XX/XX/XXXX some one went through XXXX and used my debit # to purchase a XXXX XXXX XXXX XXXX. for the amount of {$400.00} on XXXX and it was shipped to XXXX XXXX NJ. I do n't know anyone in NJ and did not make this purchase. I contacted Chase on XX/XX/XXXX and told them i did not buy it. They said they would look into it. They credited my account for the amount but then took it out on XX/XX/XXXX. XXXX acknowledged to me on the phone that it was fraud and the IP address is unknown. I asked for something in writing but they will not send me anything, I also contacted XXXX i have had no help from them as of yet, and they told Chase that my card # was used and the item was delivered and that is what Chase is going by for their decision to pay it. I also went into my bank and talked to them, they told me it was up to XXXX and XXXX to get my money back. I do n't seam to be getting any help from any of them and i keep getting the run around. I am also having problems in getting anything in writing.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-06-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
I feel I was robbed by Navient I owe them over XXXX I did n't even know the terms of the loan or that it was this much until I dropped out of school.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I do NOT have a signed contract nor any contract with XXXX XXXX, XXXX XXXX, XXXX XXXX or XXXX XXXX I have NEVER done business with any of these companies. I am NOT LIABLE for collection from this debt from any of the " companies ''. I am NOT RESPONSIBLE for these debts.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-23 00:00:00
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Alorica Inc.
State: OH

Complaint narrative:
Sent 609 letter to Global Receivables asking for verification of debt. They sent detailed report with amounts owed from the hospital. I asked for my signature to verify i had a debt with this company and did not provide anything but an itemized list of everything i supposively received at the hospital. This is a hippa violation.

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 2017-06-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I do NOT have a signed contract nor any contract with XXXX XXXX or XXXX XXXX I have NEVER done business with any of these companies. I am NOT LIABLE for collection from this debt from any of the " companies ''. I am NOT RESPONSIBLE for these debts.

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 2017-06-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: DC

Complaint narrative:
I, wish to report in this complaint Ocwen Loan Servicer for fraudulent business and predatory lending practices. The aforementioned has harassed and threatened me in it 's attempt to have me to enter into a Mortgage Loan Modification, that they have no authorization to do so. They have provided fraudulent information to support their attempts, misleading and inaccurate, outdated data that has no bearing on this matter. The DEED of TRUST that I entered into was with Litton Loan Servicing and when they went out of business that agreement was legally null and void, and non-transferable. I have not entered into any agreement with the aforementioned entity, and will not do so at this time. They have no authority or standing, to pursue this matter which has now become predatory in nature in their relentless pursuit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-23 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: EQUIFAX, INC.
State: VA

Complaint narrative:
I am a XXXX woman who had a XXXX XXXX XXXX who was ruining my credit, I have disputed things in the pass from her stealing my identity and she is in custody as of X/XX/2017 ..Since then I have seen new inquirys pop up that I need removed, some of the same ones I just had removed I do n't understand. She finally been caught and I should not have this problem anymore please remove these inquirys this stress has made my hippa very severe please help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-23 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
I recently filed a chapter XXXX Bankruptcy on X/XX/2017. After American Express was informed of the filing they disputed all the charges that I have made 6 months leading up to the filing. These charges range from gas station purchases, dining, utilities etc. I called and tried to speak to AMEX about the issue and no one wants to assist or help me. This practice is unlawful and I need to know what to do in order to resolve this matter ASAP. My internet, cable, and cellphone have been disconnected and the accounts are pending disconnection. Can someone reach out to American Express on my behalf and have them retract these disputed charges that has been wrongfully executed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-23 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Collection Technology Incorporated
State: PA

Complaint narrative:
The exact situation is that I am attempting to contact the collection agency, not the other way around. Agency - Collection Technologies Inc. Student loan debt defaulted, but I am in a position to attempt to resolve the issue. I requested their assistance in XXXX for debt rehabilitation. They advised me to send them information via a form on their website that I would print out, fill in, and mail to them. Since XXXX, I have resubmitted the form with the same information in XXXX, but I have not received a response from them, and my attempts to call them to make sure that they 've received my info, or what the next steps are for the loan have gone unanswered. When I call their number, I only get an automated recording telling me to contact the Default Management Collection phone number. When I call that number, I am prompted to enter my info, and then am told that I need to contact Collection Technologies Inc. There is never a live person that I speak with on either number, and I still have not heard anything from CTI in three months. The debt is being garnished from my wages, but my attempts to resolve the situation feel as though they are being ignored. I want to get the loan rehabilitated and put this behind me.

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 2017-06-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: ERC
State: TX

Complaint narrative:
So they say I had XXXX in 2015. I know for a fact I did n't so I asked for proof. Never received the proof. Then I dispute on XXXX XXXX and next thing it gets deleted bc I 'm sure they did n't get the proof either. But they changed names and it 's on there again. Now the are enhanced recovery company not ERC that got deleted before. They got away with changing their names and getting back on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation