vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-05-01 00:00:00
Product: Debt collection — Private student loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Navient Solutions, LLC.
State: MN

Complaint narrative:
XXXX til XXXX incurred debt wIth XXXX now known as Navient fro private student loans. XXXX XXXX and XXXX XXXX Tried to resolve issue today XX/XX/XXXX with Navient customer service rep in regards to private student loans. Navient rep stated to me that I owed {$150000.00} in private student loans and proceeded to give me the colleges and amount taken out. Which I wrote down for my information. He then stated that I have never made an attempt to make a payment when one of my co signers stated he did and it was taken care of. Navient rep proceeded to ask me why I never made payment and I told him why and he made a statement of we don't care and this a substantial amount you owe so all we want is our money and you need to pay {$250.00} per month. I told him I could not afford it at this time due to health issues and he basically told me he doesn't care nor does Navient, and Navient wants their money. He also made a statement of if you don't take care of this today and keep ignoring us you will have consequences and basically be put in a corner you will not like and have to abide by our rules. Remind you I called them today to try to resolve the issue. He the proceeded to tell me my cosigner will have to sign a waiver which he did not explain what it was for and also said cosigner will have to pay XXXX to resolve the issue then I can be put on a payment plan of {$250.00} per month. and that was the best he could do. He also insisted that I call my co signer. I asked him if there was any program that would assist me in paying them back and his answer was you have to make the {$250.00} payment you have no other choice. I did asked on multiple occasions during the phone call about the Navient programs with loan repayment and the rep ignored me and proceeded to threaten me. I did also ask him why I didn't see the private loans on my credit report and his answer was those are federal so it has nothing to do with us. He also lied to me, the borrower about requirements for releasing co-signers on their loans so I could take care of my loan with out explaining the details and leaving me in disarray and fear that I would be sued due to no compliance when I did ask about programs offered for lower income families. He was rude and adamant on me paying the $ XXXX/month and calling my co signer to pay the {$5800.00} before any one would help me out with my private loan. He then proceeded to threaten me again about not paying my loan and belittling me. I received no solution to the issue but threats and lies.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SYNCHRONY FINANCIAL
State: LA

Complaint narrative:
XXXX has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

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 2018-05-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
Shellpoint Mortgage is acting in bad faith on a real estate transaction, being criminally negligent regarding a financial matter and illegally inflating property values for the purposes of acting as a foreclosure mill and deny borrower legal right to avoid foreclosure as afforded by CA Homeowner Bill of Rights On XX/XX/XXXX Shellpoint Mortgage advised that their property value on this short sale request came in at XXXX. This value request was based on an agent they hired who is not a XXXX, did not do a property inspection nor did they research the property prior to visiting the home to check if there were any issues with the city against the home which in fact due to the age of the property there are. 

On XX/XX/XXXX we provided Shellpoint mortgage with the reasons why the property is not worth XXXX which mainly are as outlined below : 1. Major repairs needed as outlined on attached property inspection reports which impair the functionality of the home and must be fixed.

2. Docs from the city requiring work to be performed on the property due to the age of the home. Mainly the fact that the entire sewer system must be replaced due to city regs.

3. Foundation issues on the property as evidenced by reports and pictures. 
These are major issues which must be addressed and taken into consideration when considering value. A value dispute is SUPPOSED to review these issues. However Shellpoint DID NOT REVIEW any of the city docs nor did they review the property inspection report due to GROSS NEGLIGENCE and CRIMINAL NEGLECT when establishing property value. Instead the INCOMPETENT personnel that did the value dispute ONLY reviewed comps which were NEVER the issue. The issue is and has been the major damage and CITY required REPLACEMENTS which GREATLY IMPACT the value.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company
State: CA

Complaint narrative:
Hello, I am writing to you because it is almost 6 months since I called my mortgage FREEDOM Mortgage asking for help to save my home. at the beginning they told me to provide a list of documents in order to be reviewed. 

I faxed, mailed, and email all documents requested, never got a call back from anyone. I called and I spoke to XXXX XXXX who told me he was the XXXX for the department and he told me he apologize but they forgot to review my account. 

I asked them the reason why no one never return my calls after numerous times. he stated that the person assigned to the file left on vacation and didn't get a chance to review my application. He also told me that I had to re submit my application since they lost the documents. 


I re fax all the documents 2 days later and now XXXX XXXX XXXX ( manager - Toll Free XXXX ext XXXX & XXXX XXXX ) refuses to return my call. 

I called again and I was able to get a hold of another manager who stated that XXXX XXXX XXXX left the office on vacation and they had no access to my loan modification application. 

I am very frustrated since FREEDOM Mortgage keeps playing games with my loan modification application and now they are refusing to return my calls. 

Please help since it is almost 6 months trying to get help and FREEDOM Mortgage keeps manipulating my request to get me out of the program. 


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 2018-05-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX IS REPORTING LATE PAYMENTS ON MY MORTGAGE/ CREDIT REPORT. THIS MORTGAGE WAS UNDER A MODIFICATION DURING THIS TIME, THERE SHOULD NOT HAVE BEEN ANY LATES REPORTING

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 2018-05-01 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Source Receivables Management LLC
State: FL

Complaint narrative:
SourceRM is representing XXXX for an alleged debt they say that I owe. SourceRM failed to provide the Oral Agreement, transcript, that I had with XXXX. XXXX Breached its contract and that Breach resulted in the alleged debt of {$470.00}. 

On dozens of occasions, orally and in writing, I tried to settle this debt to avoid the horrible tactic of this collection agency. They will not remove this inquiry from my credit file and evasively try to get me to pay the debt without removing the alleged debt from my credit file. To be clear, I do not acknowledge the debt and I am merely trying to pay this to debt because it is costing my a lot of money in excessive interest charges from potential lenders. 

SourceRM is not operating in accordance with the Fair Credit Reporting Act. As a result of my contentment and possible upcoming legal action, SourceRM is in the process of selling off this debt to wash their hands of the debt vice closing the debt. This company practices and ethics are unethical and a violation of my rights. 

Additionally, one Credit Reporting Agency has already removed this debt from my credit file but 2 others are pending. 

SourceRm XXXX XXXX XXXX, XXXX XXXX XXXX, North Carolina XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: DISCOVER BANK
State: LA

Complaint narrative:
Discover has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
I am writing to ask the CFPB to intervene in Citi Bank 's political position in no longer lending money to companies that make firearms. They were bailed out by we taxpayers, and they have no right to cut off funding and kill jobs to make political statements.

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 2018-05-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: U.S. BANCORP
State: TX

Complaint narrative:
I have a US Bank Secured credit card with a {$2500.00} deposit. I provided notice to US Bank 59 Days Ago to close this account and return all deposit remaining. They have to this day still held all monies due me. 

They are now charging me both interest and late fees when they have already inactivated the account 45 days ago. This is fraudulent as they have stopped usage on the account and now will not refund security deposit less open balance equal to {$1300.00} due to me which includes a refund of {$18.00} in interest and {$27.00} late fee payment. The remaining balance {$1100.00}. 

They are to refund these erroneous charges and return the {$1300.00} at once. They have held this deposit for way to long and at this time they are stealing money from this consumer. I have all documentation needed to prove up both the request for closure as well as the dispute of charges with no follow-up to resolution.

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 2018-05-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
Capital One has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Servis One, Inc., Titusville, PA Branch
State: NY

Complaint narrative:
My husband and I closed on our condo less than a year ago. One of the requirements of the closing with this mortgage company, was to reserve a years worth of Homeowners Association fees with them. We complied and set aside XXXX. It is listed on our HUD under Association Reserves. This was money that my husband and I had to come up with and hand over to them. The payments areXXXX due quarterly. The first payment was in XX/XX/XXXX. I received a letter and a corresponding phone call from the management company, XXXX XXXX XXXX, that they did not receive the payment. I called the mortgage company and explained to them that they have to pay this fee. It was required by you and money was set aside. After being transferred numerous times to many different departments, they realized they are required to pay this and sent out a check. They assured me that they would clear up the confusion on their end and when the next payment was due not to worry, they would pay it. XX/XX/XXXX rolled around and again the same thing happened. I called them and after more transfers and confusion I explained the setup again and they realized again that they have to pay the HOA for that month. This time I asked the girl if she needs the payment coupons I have so they have an address where to send the payment to and a contact person. She gave me the fax number and I faxed the documents over to them. Both the XX/XX/XXXX payment and the XX/XX/XXXX payment were a month late. I am now in XX/XX/XXXX and again I receive a letter from my management company that the dues were never paid. Again, I call the mortgage company. I am transferred three times, explain the situation three more times and the only response I get is " we will need to research this someone will get back to you. '' They patronized me, cut me off while I was speaking and hung up on me. Meanwhile, my dues are a month late again. I complied with everything they asked me to do. They have all the documents they need from both myself and the closing attorney that clearly states they are responsible for making the HOA payment from reserves set aside for this purpose. They have violated the terms of our escrow agreement and are causing us to be continually delinquent on the HOA dues. We were told the reason they are asking for a years worth of dues up front is so that they can pay them to ensure they are paid on time to avoid a delinquency, which is exactly what is continually happening.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-01 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
This is my 4th complaint about Chase during the short sale process. After giving my agent the NET proceeds needed to receive the approval, my agent forwarded documentation showing them their net, and then Chase responded that they would only issue an approval with NO COMMISSION to either agent! They said it's because the agents all work at the same company, they have over 1,000 agents! My agent has called and been treated badly by Chase and is due the commission. Please contact Chase and make them step up, her package gives them their net while still getting the commission. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Nelnet, Inc.
State: KS

Complaint narrative:
Nelnet has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: GA

Complaint narrative:
Good Afternoon, My name is XXXX XXXX XXXX and I originally took out student loan in XX/XX/XXXX with Sallie Mae for the amount of {$12000.00}, which is now owned by Navient. Yes, I admit I have put my account on forbearance more than I should have.Well, now I have an amount of {$32000.00} to pay back. Well, I have been a XXXX XXXX XXXX for 27 years, 14 of them being in XXXX XXXX XXXX in Georgia. I filled out the documentation necessary to have {$17000.00} removed from my overall balance. They said it would take 6 weeks to get an answer. I waited for 2-3 months, until I called them to get a reply. The woman on the phone stated that I was accepted into the program where that {$17000.00} was going to be forgiven. The floor manager said they have no record of me calling them, and that person, whoever it was, gave me the wrong information. They say that I AM NOT forgiven the {$17000.00} because the loan was issued before XX/XX/XXXX. That was not told to me until now ... 3 months later of talking to the woman who said I did qualify. The manager, once again, said I should have received a letter from them stating that I was denied of this program ... WHICH I NEVER RECEIVED!!! ... even though, I have been XXXX XXXX XXXX for 27 years and again 14 years in XXXX XXXX XXXX. I am usually not a person who cusses, but I did with this floor manager, and for the first time, I am not sorry for doing it. I NEED HELP PLEASE!! I am a XXXX who supports her XXXX year old mother. Please help me in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONSTAR MORTGAGE LLC
State: CA

Complaint narrative:
MrCooper XXXX XXXX XXXX XXXX XXXX, XXXX CA XXXX XXXX XXXX This short sale has been open in XXXX since XX/XX/XXXX over 2.5 months ago. On XX/XX/XXXX we received a counter offer from MrCooper. On XX/XX/XXXX we sent a HUD and addendum showing the buyers agreed to the counter offer from MrCooper. 

Since then MrCooper HAS DONE NOTHING. No one will respond to us in XXXX We are being IGNORED by the negotiator and management. Today we finally found out that THE BUYERS ACCEPTANCE OF THE COUNTER HAS NOT EVEN BEEN SUBMITTED FOR APPROVAL. 

*************ITS BEEN TWO WEEKS AND NOTHING HAS BEEN DONE!!!!!!!!!!!!!!!! 

This is NOT Acceptable. The rep we spoke to today said something about restructuring and it is clear MrCooper is UNDERSTAFFED AND MrCooper is NOT ABLE TO SERVICE THEIR LOANS. 


I want an immediate status of the approval letter, without further delay or paltry excuses.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Caliber Home Loans, Inc.
State: MD

Complaint narrative:
I have been a first time home buyer since XX/XX/XXXX my initial mortgage was through XXXX It was sold soon after to Caliber home loan. I made consistent payments to for the loan since I've had my property. I started a refinance process Caliber back in XX/XX/XXXX I was alarmed because the initial loan officer XXXX XXXX submitted than drop my application and re ran my credit giving me two inquires. I allowed some time from now until then to pass and consider the option again after Caliber alerting me that I still qualified for refinance, wanting to pay some debt down with the equity in my home I started working with a new loan officer XXXX XXXX she started the application process for me again reassuring me that all would be taking care of and moving expediently fast to me making a payment for the appraisal of {$99.00} dollars because they had a prior approval for my refinance to now no contact of any sort and a letter of withdrawal that I never made to the company. this recent application has dragged my credit score down drastically and has left me with no communication for anyone on Calibers end. its very unfortunate that this company is allowed to treat there customers in this manner when we are making payments and effected personal by credit reports

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I filed a dispute with Equifax on XX/XX/XXXX regarding student loan company XXXX/XXXX falsely reporting payments being made to them. The last payment made to XXXX/XXXX was in XX/XX/XXXX as documented on their website ( see attached ) however they reported to Equifax that I made payments every month from XX/XX/XXXX- XX/XX/XXXX ( see attached ) ** note in the complaint I submitted to your agency ( XXXX ) against XXXX and the same student loan company they only reported me having made 4 payments in the same time frame so they are reporting different information to different credit bureaus** I believe they are doing this in an attempt to keep it on my credit report longer. Given that the last payment was made to them in XX/XX/XXXX that would make the date of first delinquency XX/XX/XXXX NOT XX/XX/XXXX as they are reporting which means we are now at the 7 year statute of limitations and this should be removed from my credit report. Equifax has failed to update/remove inaccurate information from my credit report. Furthermore, Equifax has allowed this loan to be reported a second time on my credit report under XXXX with the same account number ( see attached )

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
I have tried several times with XXXX and transunion to dispute a company called XXXX XXXX on my credit that says the account was opened XXXX-16 and now it's also reporting on my credit as XXXX XXXX XXXX. This is not my account nor have I ever heard of it. I did hire a credit repair Company, XXXX XXXX and this was taken off my report a few years ago and as I have been checking my credit the past 3 months this has appeared again. Transunion and XXXX can not verify this and will not take this off my Credit.

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