vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-03-27 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
In XXXX my wife, XXXX, and I obtained a Pick-A-Pay mortgage from XXXX which was acquired by Wachovia Bank and finally by Wells Fargo Bank. In XXXX Wells Fargo Bank consented to a special loan modification XXXX XXXX XXXX to satisfy a class action lawsuit alleging fraud. The New Jersey Attorney General 's office reached a similar agreement with Wells Fargo. The XXXX would have eliminated accrued interest payments and would have eliminated some principal. In my case, shortly before the new modification was announced, Wells Fargo forced me under threat of foreclosure to accept an ARM which had sharply increasing interest rates. I could not keep up the payments..I was informed by the folks running the XXXX settlement that I was eligible. Wells Fargo refused since the settlement contained language that precluded folks who obtained another mortgage from participating. I allege that forcing me under threat of foreclosure to accept the extremely costly ARM constituted fraud since Wells Fargo knew that the modification agreement precluded receipt, of the XXXX after another modification was consummated. I am presently in foreclosure. I have filed an appeal, but a sheriff 's sale is imminent.

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 2017-03-27 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
XX/XX/XXXX We completed a refinance with Wells Fargo. We authorized an ACH debit for our new Mortgage in the amount of {$2100.00} from our XXXX account, monthly. In XX/XX/XXXX we discovered that another mortgage which was not ours in the amount of {$1400.00} was also being deducted from our account and had been for the previous 3 months. We informed Wells Fargo and blocked all ACH transactions from our XXXX account to wells Fargo. After several phone calls Wells Fargo agreed there had been a mistake and transferred the money ( 3 months {$4300.00} ) back into our XXXX account. They also made an additional transfer of {$1400.00} into that account, which we informed them of and have not heard back as to how they would like those funds returned. On XX/XX/XXXX we made a payment in person for our mortgage of {$2100.00} by check from another bank. Written on the check is the mortgage account #, check cleared the same day and posted to our mortgage account. XX/XX/XXXX we again made payment in person, in cash and have the receipt posted to our account on XX/XX/XXXX. Starting XX/XX/XXXX my wife begin getting calls that our Mortgage was late and had not been paid. After going on line to look at our account I find a line dated XX/XX/XXXX " PMT Reversal '' in the amount of {$2100.00}. At this point I have spent about 4 hours calling and waiting for Wells Fargo, who can not seem to explain how a payment was reversed or where it was reversed to. I am deeply frustrated, lack faith in their accounting and feel that blatant theft and wire fraud has occurred. My Mortgage is late, this may affect our credit, and I have all receipts to show payments were made in full on time. Thank you for your attention.

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 monetary relief
Consumer complaint received 2017-03-29 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I notice on my credit report XXXX experian and XXXX has bankruptcy information reporting on my credit report which is not make for public

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 2017-02-27 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: UT

Complaint narrative:
I have found myself in a difficult situation since someone stole my identity. I feel I have exhausted all my efforts and need additional help. I have submitted to each of the credit bureaus a copy of both a police report, my identity theft affidavit, and a copy of my personal information i.e. my drivers license, copy of my passport, and my social security card. Additionally, I sent in a letter disputing the inaccurate information and got no response at all. It has now been over 30 days and I have yet to hear any response from them regarding the matter. I am now submitting a complaint to request additional help in rectifying the situation. I know the credit bureaus are each in violation of federal statute, and the only request I have is for the fraudulently reported information to be removed and blocked so that I am no longer affected by it. It has been interfering with me being able to get credit, gain additional employment, and hindering the quality of life I deserve to live.

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 2017-03-10 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I took a loan out with XXXX in XXXX. I was not able to pay back the loan and it went into collections with " XXXX XXXX XXXX, XXXX ''. Once I was financially able to pay the loan off, I call the collection agency and paid the loan off. This was done in XXXX '. My Experian Credit report still says that I am in collection on this loan. I tried to dispute the information, letting them know I paid the loan off, and it was denied. I tried again to dispute the information, and was told I could not do this because I had only one time to dispute the item. 
Now, I it says I still owe {$3200.00}. that is in collection, and past due as of XXXX XXXX. This is not correct and it needs to be updated to say I paid the loan off. Any help on this would be very much appreciated. Thanks,

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 2017-03-19 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
XXXX XXXX is being reported on my credit report as an authorized user. Please delete this account from my credit report. This is not my account. I am not an owner of this account and I have never requested nor authorized to be added as an authorized user. Delete this from my credit report immediatley

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 2017-03-03 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC.
State: VA

Complaint narrative:
I was supposed to be put in and reduced interest rate plan. I was in this plan the previous year and the guy said he was setting up the plan again for me. So I set up my account to have a certain amount of money taken out that would cover my XXXX private loans. It looks like it was good and working up until XXXX and then all of a sudden the money getting taken out did not cover all my loans. Therefore causing me delinquency on my account and also a late payment fee. This is also happening the past when it was XXXX and that messed up my credit really bad

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-23 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: Radius Global Solutions LLC
State: NV

Complaint narrative:
I have received a letter from a company named Central Credit Services LLC XXXX XXXX XXXX XXXX , XXXX XXXX, MO XXXX telf XXXX The letter states that I have a pending debt of {$800.00} with XXXX XXXX XXXX XXXX, and this company has been hired by XXXX to collect this payment. As of now I do n't have any notification from XXXX regarding this debt. The car that they are talking about was fully paid by XXXX since it was part of a trade in, and my credit report is showing this car as a closed account. CENTRAL CREDIT SERVICES is urging me to send them the payment or to contact their office to set up a payment arrangement. I believe this should be a total scam, that 's why I 'm filing this complaint.

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 2017-03-11 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: MONEY SOURCE, INC., THE
State: ID

Complaint narrative:
We have our home loan with The Money Source. Starting on the XXXX of every month they call repeatedly, almost everyday asking for us to make a payment. The last time my husband spoke with them he told them that the payment would be made on the XXXX. Today is the XXXX and not only did they call him this morning, early, but they callled his place of work asking to speak with him. My husband has told them numerous times to not call during the time he is working and they continue, he has asked them to not call him at work and yet this is the third time they have contacted him at work. They have been very unprofessional when he asks them to not call during the time he is at work. He asks them to stop calling he will pay on a certain day and they continue to call. They refuse to speak with me personal, for I am not on the loan and tell my husband that will send a " third party '' paper where I can be listed as a contact and we have yet to receive the paper they reference but we get all of communications from this company.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-11 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: NATIONSTAR MORTGAGE LLC
State: OH

Complaint narrative:
I had to have an insurance check endorsed by Nationstar. I talked with a number of people, was put on hold, hung up on, finally talked to XXXX, who said to make up for poor service, would expedite handling and overnight to endorsed check to me so I would receive it XX/XX/2017. The post office said it was delivered Tuesday, XX/XX/2017. I called XX/XX/2017 as I had not received the check ; XXXX of the Loss/Draft/Correspondence department told me it had just been entered into their system on XX/XX/2017. XXXX called me at the end of her shift to let me know it had been overnighted on XX/XX/2017 ; I would receive it Friday, XX/XX/2017. When I 'd not received it, I called again, eventually speaking with " XXXX '' while discussing the issues I 'd been having with " XXXX '' on XXXX. XXXX finally admitted he had NO control over any of the processes, but he would call me with the resolution. He had " XXXX '' call me at approximately XXXX EST XX/XX/2017 to tell me the endorsed check was at XXXX and overnighted for delivery on XX/XX/2017. I asked specifically if the check would be delivered on Saturday, and was told yes. After repeatedly being lied to about the status of this, I checked XXXX. The check was NOT at XXXX, it was pending pick-up. It was not sent Saturday delivery, estimated delivery is Monday, XX/XX/2017. I messenged XXXX, who states she 'll get back to me Saturday after she reviews the issue - again. I called XXXX - the office is closed until Monday. I am sick to death of the constant lies, disrespect, waste of my time, etc. I have spent over 6.5 hours this week trying to get an honest answer about this, and I still do n't have any idea of what is going on.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-25 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: Rocket Mortgage, LLC
State: NJ

Complaint narrative:
My daughter and I applied for a mortgage with quicken loans. The broker lead me on that the interest rate would be 4.25 % conventional with 20 % down and told me the estimated closing cost would be about {$6500.00}. He never sent me a good faith estimate of the closing cost. After we started to loan process on of the documents that he wanted us to approve was a 2.5 % fee for that rate. ( {$4100.00} ). If we did n't want to pay the fee the rate would be 4.75 %. We did not sign that document. I immediately called him and he said that was the cost for that rate and could not be changed. We sent him an email to cancel the application and return the {$500.00} that my daughter paid him. We were able to find XXXX companies that gave us that rate with no cost. He refuses to close our application and offered to match the offer. We again told him no and he went through with an appraisal after we told him to stop. He again emailed me to talk to him about a different offer.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-29 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: OR

Complaint narrative:
We submitted an official request for PMI cancellation on XX/XX/2016. However, the PMI request is still " pending '' with NATIONSTAR Mortgage, who recently requested an additional extension, this time 30 days, in a recently 'closed ' case with CFPB. We 've satisfied all requirements from the Homeowners Protection Act over 10 months ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-22 00:00:00
Product: Credit card — 
Issue: Other — 
Company: DISCOVER BANK
State: KY

Complaint narrative:
I ordered face cream from advertisement on XXXX. It said there was just a small shipping fee. On my phone, thats all I saw. If there was anything else it was n't viewable on the screen. When I got the packing list, it said nothing about the reoccurring payment. It had no name, address, phone number or email address to contact the company. I never received an email from these people for a confirmation or that I would be billed anything additional. 
They billed it through XXXX place when they shipped it, another when they charged me the XXXX, then when I disputed the charge, there was another name, then when I finally got a phone number for them - they gave another name and address. That sounds like a shell game. I have the info from Discover credit card, and the packing slip, and then when I contacted Discover, THEN I got an email cancelling the reoccurring billing!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-22 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
After Reviewing My Equifax credit report I found their was a bankruptcy showing on my report. I first contacted the reporting agency as seen on my credit report, NJ bankruptcy court via mail. They wrote me back indicating that they have no correspondence nor do they report to any of the XXXX credit bureaus. I then contacted Equifax and requested that they validate this negative account and provided me with copies that clearly state that NJ bankruptcy court is n't reporting to their agency. I received a letter back from Equifax stating that they have validated the debt. They have not provided any such documents bearing my signature, or any documents supporting their claim to be valid. I sent Equifax certified letters on XXXX/XXXX/XXXX and XXXX/XXXX/XXXX asking again that they validate the alleged debt and if they cant please delete the account from my report. I noted in my letter that proof of validation is a document bearing my signature, or any court documents stating that they our reporting a Bankruptcy to their agency. As of XXXX/XXXX/XXXX Equifax is still reporting bankruptcy on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-18 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: NC

Complaint narrative:
XXXX sold loan to Carrington Mortgage Service, LLC on XX/XX/2016 -- -- XXXX last statement to me was dated XX/XX/2016 which listed my XX/XX/XXXX Payment. I had to contacted them about my XX/XX/XXXX and XX/XX/XXXX Payment which were never generated on a statement which I thought was a banking requirement. They were eventually able to give me my balance after I complained. I believe XXXX should have been required to give out a statement with the Balance Amount at the time of the transfer of both Principle and Escrow. 
ISSUES with -- -Carrington Mortgage Services , LLC . My problem is with making PRINCIPLE ONLY PAYMENT. Their online payment system only allows additional principle payment in conjunction with full monthly mortgage payments. They have an Other Amount option but have gives you know way to identify where or how you want that Other Amount of money will be applied ( additional Escrow, Principle or Monthly Payment ). I believe I 've found a work around with the online system that may work but why do I have to work this hard to make PRINCIPLE ONLY payments!!!! I have several payment that were not process correctly. The time frame for the correction was stated as 20 BUSINESS DAY which is a full month to get funds removed from regular payments to PRINCIPLE ONLY payments. I was later told the processing time is only 3 to 5 BUSINESS DAY, however that has not been the time frame for my two prior issue with the payments. I have issue making my principle only payment online and with a real representative by phone. I 'm not received any paperwork on any of the PRINCIPLE ONLY issues or correction of those issues. I would think correspondence would be required by law. My complaint main is that PRINCIPLE ONLY OPTION should be required to be easily available to facilitate early loan payoffs and debt reduction.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: AES/PHEAA
State: CA

Complaint narrative:
My complaint is on the fedloan servicing lender. 
The school I attended is XXXX XXXX in XXXX XXXX, CA which does n't exists in that location anymore. 
My mom has been trying to pay off a parent plus loan that has now accumulated to over {$30000.00} because she has been qualified for low income payments. She even qualified for a little more than a year on a program where she had to make $ 0 monthly payments for 10 years and then the loan would be forgiven. Then they requested proof of income from her and because she makes more money than the year before she had to start making {$150.00} payments with an 8.500 % interest rate. I have called on my moms behalf to see if she has any options to lower the interest and they say they do n't but that she only has to pay for 10 years and then her loan would be forgiven, they keep giving her the same story. Based on the owed amount and the interest rate, she will never pay towards the principal any money. I informed them and they said I 'm correct. So I asked them " are you telling me she is basically only going to pay you interest to hold the loan and never pay the principal? '' And they said yes. I believe they are a huge scam for the practices they are doing because of course my moms credit score is not high, she does n't make enough money and she ca n't get a loan to help her pay off this enormous amount, but they keep getting her into programs that promise to " help her ''. I have read about predatory lender practices and I believe this is exactly what they are doing to my mother. I have even Googled this service and there are so many complaints out there I believe there should be an end put to them. We are honest people trying to pay off a loan that does n't seem to have an end. To make matters even worse, she just took my younger brother to attend school and they placed a new loan under the same lender. We dont understand why they did that. 
Thank you very much for all your help and your time taken to read my complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-15 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
In XX/XX/XXXX my immediate family suffered XXXX tragic deaths. We all pulled together and had to pay for XXXX funeral/burials - then again in XX/XX/XXXX, my XXXX and XXXX passed, leaving us to bury them also. In XX/XX/XXXX I fell behind on my credit card payments due to the foregoing and contacted my creditors looking for a way to resolve the issue. They all referred me to a Debt Relief Program to assist me and assured me that they work with the consumer once you enroll in the debt relief program. I did so and enrolled with XXXX paying them every month for payment to my creditors. However, this is not what happened. Creditors closed my accounts and reported to the XXXX credit bureaus my accounts were " charged off ''. THIS IS NOT WHAT THEY PROMISED ME and now my credit has been ruined I have been unable to obtain decent interest on loans and unable to rent a place because of the negative reports. I eventually obtained a Consolidation loan through XXXX and all creditors were paid in full = some according to a negotiated balance. Capital One in particular has reported me as a charge off and some accounts do not show the balance paid in full. I have faithfully paid Consolidation Plus each month for my monthly payment for almost one year and will continue to do so until the balance is paid in full. My complaint is that these creditors promised by enrolling in a debt relief program that they would work with them and thereby saving my credit reputation from any negative reporting. This has not been done and now my credit score is suffering. While I realize the tragedies that happened were not the creditors ' responsibility, I could have filed bankruptcy and had all of the debts, including mortuary and cemetery charges discharged but I did not. I have paid them all off and continue to pay until the loan is paid in full.

Company response to consumer: Closed with explanation