vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-05-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Altitude Community Law P.C.
State: CO

Complaint narrative:
In  XXXX  a judgement was obtained against me for delinquent homeowners association fees and assorted late fees and attorney/collection fees. The company representing my homeowners association wa s Hindman Sanchez i n  XXXX , Colorado. The debt was satisfied the same year and in  XXXX  a satisfaction of judgement was filed with the court and a copy was sent to me. Approximately two weeks ago I received a letter from  Hindman Sanchez dem anding payment for the debt that was already declared satisfied, this statement showed balances, with late fees and collection fees from the time of the original delinquency,  XXXX , through  XXXX  of  XXXX , over a year after I received notice of satisfaction of debt. I also discovered they had placed a lien on my property in early  XXXX . The letter was sent to an address I have n't lived at for several years, fortunately it was forwarded to me. This is another typical tactic of theirs, sending correspondence to addresses they know are incorrect. That is part of the reason that I accrued the initial debt that was declared satisfied in  XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Caliber Home Loans, Inc.
State: FL

Complaint narrative:
I have been attempting to obtain a loan modification with  Caliber Home  Loans for years. I have sent them several packages with my financial information per their request. Each package is either denied or rendered not complete for very small details which could be corrected if the servicer properly gave timely notice of said missing documents.     Most recently a complete modification package was sent in   XXXX  2017   . On   XXXX   XXXX   , 2017, I co ntacted  Caliber Home  Loans to inquire as to the status of the modification package that had been sent.  XXXX , the representative who I spoke to at that time advised me that they needed updated pay stubs, bank statements, and a  XXXX  form in order to finish the review for my loan modification. When I advised  XXXX  that I could provide him with that information immediately, he told me not to bother sending it in because the foreclosure sale was set for less th an thirty-seven days  from that date. ( Foreclosure sale was set for   XXXX   XXXX   , 2017 ).  He went on to say that Caliber would not look at any of the updated information we sent and that the loan modification would be automatically denied because we were less th an thirty-seven d ays away. In other words, they refused to do anything at this point.     As a result of this information, I immediately set an emergency hearing to reset the foreclosure sale. Said motion to reset sale was granted and the new sale is  XXXX   XXXX  , 2017.      I was extremely shocked by the way Caliber has handled this. If I had not called them, they would have not notified me of the need for updated documents. Additionally, refusing to consider me for a modification because we were out less t han thirty-seven  days prior to the sale is not only unethical and against standard practice, but also against the final judgment in this foreclosure case. Among the stipulations in the final judgment of foreclosure in this matter is that I be considered for a modification while I am the title owner of the home.     I have been extremely prejudiced by Calibers handling of this not only for past conduct but also because I had to resort to setting a hearing court to have my foreclosure sale date reset. Generally courts are very discretionary on granting these motions, yet I was forced to request a reset of the sale before it was timely only so   Caliber   would finish processing my loan modification paperwork. I am not asking for much, just simply that Caliber provide me with a trial payment plan so I can be given the opportunity to make mortgage payments and save my family home.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: NC

Complaint narrative:
I became  XXXX   XXXX  in  2010 a nd went through the paperwork to get loan forgiveness. The company kept saying that this paper or that paper was n't right. I kept getting the run around. I am still  XXXX   XXXX  and on a fixed income with  XXXX  children.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-17 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I sent a reinvestigation/dispute letter dated  XX/XX/2017    by certified mail to Equifax. The letter shows delivered on  XX/XX/2017    per the certified mail tracking number on the USPS website.      ( Tracking #   XXXX   XXXX   XXXX   XXXX   XXXX   ) As  of today 's date,  XX/XX/2017    I have not received any type of notice, or updated credit report in the mail. I have also sent a copy of the letter along with the evidenceof tracking to them again. Furthermore, the accounts that I am disputing on this letter were unverifiable and removed from my  XXXX  and  XXXX  report so I am not understanding how Equifax can say that they are verified with them but did not verify the other CRA 's.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TD BANK US HOLDING COMPANY
State: AK

Complaint narrative:
XXXX   XXXX   the payment I owed to Target of  XXXX  which was received 6 days late due to a problem that I was not aware of. I was out of Alaska, in  XXXX  and I did not receive any statement from Target with late dues.   When I came back which was in   XXXX   XXXX   I tried to explain to Target that I was out of the country, and was sure that the amount was paid.   They said that the 30 days in which I should have resolved the issue I did n't call ...  ..but how could I be aware that the payment to Target of   XXXX   came 6 days was late?    I tried to resolve the issue with them, but there was absolutely no opening.   Nor there is any opening from their side right now.   They have sent this to   XXXX   which is creating a problem for me.   I would very kindly suggest that you mediate in this affair.   I do not owe anything to Target, there are only charging interests.   Even though I tried to pay the interests for  one  month, for the delay ; they are not considering that either.   Thanks  XXXX   XXXX  Target Account Number  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-17 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: IN

Complaint narrative:
When it came time for payment it would say it had been paid for on my Navient account. After 7 days they would then try to take the money out. My account would have money in on day it said it was done and paid for. Then they would overdraw my account 7 days later.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-17 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Ability Recovery Services, LLC
State: AZ

Complaint narrative:
I received a letter dated   XXXX   XXXX    2017, and  called the  Ability Recovery Services LLC to pay the debt. The original amount was {$69.00}, and they sent me a   collections notice for {$83.00}. I called to pay the {$83.00}, and was told they already sent my account to collections. I paid the " {$83.00} '' and completed my call. After a couple minutes the receipt came through on my email and they charged me {$88.00}. I called multiple times and the phone number no longer worked. I   XXXX    another number for them and called, and they told me that they charge everyone an additional {$5.00}, although they do not tell people. I was sent to multiple different people and they told me that the additional fees were not charged by them, but by the   XXXX   XXXX   XXXX  . After talking to the   XXXX   XXXX   XXXX   XXXX   XXXX  , she advised me they do not charge additional fees other than a late fee, which brought my account to {$71.00} and some change, and that the other fees were the collection agency. I told the collection agency that I did not authorize an additional {$5.00} fee to be charged to my credit card, and no representative told me they would charge my card an additional fee. After being passed around and put on hold for a lmost 20 minutes, they finally told me everyone was out of the office for the day and to m aybe try calling back tomorrow. Charging my card for an unauthorized amount is illegal, and it is not my fault that their representative failed to tell me there were additional fees on top of the fee that was sent in the collection notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-17 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: NV

Complaint narrative:
RE :   XXXX  I have notified Equifax that this not mine :  XXXX   XXXX  accounts  XXXX ,  XXXX  and  XXXX  All they did was verify that  XXXX  had my name and social seucrity number, which of course was already knows as it was on the credit report to start with, so they took the word of the reporting company,  XXXX , as validation of its own debt?     I am   XXXX   XXXX   XXXX   an have lived in Nevada for over 25 years and provided my information, license and property information from  XXXX   XXXX  to Equifax that I have lived here and not Texas and have never lived there and did not have service there.  XXXX  needs to respond to us with pro of ( written contract,  drivers license, method by which these accounts were set up, in person, on the itnternet, etc ) that a single person would hav e  XXXX  u tility accounts. Why would I have  XXXX  utility accounts????     Asking a company to verify their own information is not an independent process and hardly qualifies as a legit investigation.     Thank you,   XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONSTAR MORTGAGE LLC
State: CA

Complaint narrative:
On   XXXX   XXXX    2017 I Submitted  a complete Request for mortgage assistance to Nation Star and have requested Short sell. After multiple attempts at trying to save my home, I have tried everything including modifications and have been denied I am now seeking a short sell. When I submitted my  short sell request the date was  X/XX/17 , at the time my sell date was scheduled for  X/XX/17  I have provided all documentation requested from me. I and my realtor have been in constant contact with Nationstar to check on the status of the short sell. Nation star has confirmed that they have received all documentation pertaining to the short. After 2 months of review, Short sell was declined on  X/XX/17  due to upcoming foreclosure date of  X/XX/17 . I have filled a complaint with the consumer financial Protection Bureau, and have requested a qualify Written Request regarding Nationstar not allowing for a proper review of Short sell, This request and complaints have not yet been answered. Short sell was again reviewed and again declined on  X/XX/17 . Nationstar will not review any workout solution if under 37 days of sell date.Nationstar claim that the review process in under 37 days but i have fax confirmation that i have submitted all forms well over 37 days of foreclosure.. Shortsell was submitted  X/XX/17  sell date was  X/XX/17  This is well over 37 days of sell date. Nationstar Is now forcibly try ing to foreclose my home without following the proper procedures. If Nationstar proceed with this foreclosure they will be violatin g Homeow  ners Bill of Rights [ SB 900 ] in an illegal foreclosure. Under Dual tracking It is illegal for Nationstar to send foreclosure notice as negotiations for a modification or short sale are still underway, It is illegal for a lender to deny a short sale or modification without   providing a written explanation and a 30 day period to appeal the denial.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
on XXXX XXXX 2017 my husband disputed our public accounts that reflected judgements that have been satisfied already.Equifax removed one of the judgements but failed to remove the other. His was reported as well in the same phone call with the agent. My dispute number is as follows from that date:XXXX or XXXX. They have correctly removed them from my husbands report in which the attached photo will show. But they have n't removed from mine and I now saying I have to wait another 30days for them to remove. As they have to file the dispute all over again. Equifax claims that there was no dispute but yet I have the records to show different,

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: CITIZENS FINANCIAL GROUP, INC.
State: TX

Complaint narrative:
Hello, When setting up my  " One Deposit Checking '' account with Citizens Bank, I specifically opted out of " overdraft protection. '' However, I received two overdraft fees of {$35.00} each, so I contacted Citizens Bank but received no help from them. If I have opted out of overdraft protection, why am I receiving fees? They seem to be quick  to tell me I ca n't be helped!     Thanks a  million for l ooking into this!     Thanks,  XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-05-17 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: JPMORGAN CHASE & CO.
State: TN

Complaint narrative:
I have been charged with two charge offs by Chase Bank Credit cards for cards that were corporate cards. I attempted to work out terms with Chase but they would not discuss any arrangements when the cards were first reported as in default in XX/XX/XXXX. In XX/XX/XXXX Chase issued XXXX tax forms for the amounts of the XXXX cards and charged them off against my credit report. I paid the tax bill and was told that the charge off would not remain on my credit report after XX/XX/XXXX, but it continues to be reported even to this day a year after the no notice XXXX, and 8 years since the cards were reported in default.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-17 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: Experian Information Solutions Inc.
State: NV

Complaint narrative:
RE  :  XXXX  I have notified  XXXX  that this not mine :  XXXX   XXXX  accounts  XXXX ,  XXXX  and  XXXX  All they did was verify that  XXXX  had my name and social seucrity number, which of course was already knows as it was on the credit report to start with, so they took the word of the reporting company,  XXXX , as validation of its own debt?     I am  XXXX   XXXX   XXXX  an have lived in Nevada for over 25 years and provided my information, license and property information from  XXXX   XXXX  to   XXXX    that I have lived here and not Texas and have never lived there and did not have service there.  XXXX  needs to respond to us with pro of ( written c ontract, drivers license, method by which these accounts were set up, in person, on the itnternet, etc ) that a single person would have  XXXX  utility accounts. Why would I have  XXXX  utility accounts????     Asking a company to verify their own information is not an independent process and hardly qualifies as a legit investigation.     Thank you,  XXXX   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 2017-05-17 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH

Complaint narrative:
I have contacted you --  XXXX   Fifth Third B ank -- our accountant emailed to them our taxes   XXXX   XXXX   they " ca n't find them '' I sent them again twice.     is this a scam to say they can not find the required documents & taxes???     very frustrating

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-17 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Law Offices of Robert J. Colclough, III
State: NJ

Complaint narrative:
Around   XXXX   of this year, I pulled my annual credit reports and noticed a collection on my   XXXX   report. The amount at that time was for around {$3500.00}. I disputed this immediately with   XXXX   and also sent a debt validation notice to this company. I have not received a response from the company as of today. I have also disputed this collection twice with  XXXX . Both times the collection account as went up in amounts. This is a very unfair practice of not validating debt.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC.
State: AK

Complaint narrative:
XXXX   XXXX  the payment I owed to  XXXX  of  XXXX  which was received 6 days late due to a problem that I was not aware of. I was out of Alaska, in  XXXX  and I did not receive any statement from  XXXX  with late dues.   When I came back which was in  XXXX   XXXX  I tried to explain to  XXXX  that I was out of the country, and was sure that the amount was paid.   They said that the 30 days in which I should have resolved the issue I did n't call ...  ..but  how could I be aware that the payment to  XXXX  of  XXXX  came 6 days was late?   I tried to resolve the issue with them, but there was absolutely no opening.   Nor there is any opening from their side right now.   They have sent this to Equifax which is creating a problem for me.   I would very kindly suggest that you mediate in this affair.   I do not owe anything to  XXXX , there are only charging interests.   Even though I tried to pay the interests for one month, for the delay ; they are not considering that either.   Thanks  XXXX   XXXX   XXXX  Account Number  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-17 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: VT

Complaint narrative:
Ever since I graduated college in  XXXX  I have been unable to pay the full monthly payments on my student loans without significant help from my family. I have made multiple attempts to lower my payments t o Navient,  but they are either unavailable or I have been unable to find them.   Either   XXXX   XXXX   or   XXXX   XXXX   I was unable to make any payments at all, and unable to find any option for deferral I stopped paying and went into default. Since then,  Navient ha s harassed me, my family members, my friends and my employers. I 've been told by Navient that they handle all debt collection in house and do no sell debts to deb t collectors, a  month later they sent me a letter telling me that they were  going to hand me over to a debt collector if I did not settle my outstanding debt, and 2 week s later they called me trying to settle and claimed that I was not being handed over to a debt collector. During that conversation I was also told th at Navient " does  not lie '' which was a flagrant lie.   Before going into default I had a single federal loan ( all remaining loans are private ) o n 3 separa te occasions I ( or my mother ) sent payments with instructions that they be applied only to the federal loan, all 3 times the payments were divided among all of my loans, so we gave up that strategy of paying off smaller loans first.   Trying to recall the litany of lies and harassment I have received from Navient/  XXXX   XXXX   would be impossible. I have receive d 8 robot  calls per day, every day for a week. They have called my mother, my brother, my father and my boss, and probably others. I get strange calls even now that sound like scams ( "  act fast  to take advantage of special student loan forgiveness '', that sort of thing ) and when I get past the recordings and speak to a human being, they hang up as soon as I ask who is calling. They do n't send me mail in normal envelopes like a normal business. Mail f rom Navient comes i n greeting card envelopes ( no return address ) with the address written in a font that looks kind of like it was written by hand, but they seem to have their printer o n color sa ver mode, because the dither in the printing and the faint scan lines give it away.   Dishonesty comes as naturally t o Navient as b reathing does for the rest of us. I once accused them of being run, if not by the   XXXX  himself, certainly one of his   lesser  XXXX . I stand by that.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: AMA Advisors, LLC.
State: FL

Complaint narrative:
I applied for a loan modification in  XXXX     2016  and after months of resending the same paperwork and jumping through hoops, I received approval and a partial payment plan in  XXXX   2016  in which I needed to being making payments for 3 months before I could be assessed for a permanent modification. I made  my three payments, last one i n  XXXX   2016  and they still have not completed my final loan modification. I have since been denied a job because of this account on my credit, due to their delay and just keep getting the run around when I call for an update. I need this modification to be complete and my credit report updated immediately.

Company response to consumer: Closed with explanation