vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-10-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: MCS MORTGAGE BANKERS, INC.
State: MI

Complaint narrative:
Ya I need some serious help I am so sick and tired of lenders hiding things and making up things that are totally false and untrue just to get your loan and scam you. I put a lot of trust in this compnay and got XXXX. What happen is i was going through XXXX XXXX Branch XXXX and Business development NMLS # XXXX XXXX XXXX XXXX, Building XXXX XXXX XXXX, NY, XXXX Office : XXXX Toll Free : XXXX ext XXXX Cell : XXXX Fax : XXXX Personally licensed in : AL, CA, CT, FL, GA, IL, IN, LA, MD, MA, MI, NH, NJ, NY, NC, OH, PA, SC, TX, VA cid : XXXXXXXXXXXX Corporate Headquarters XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX Mortgage Bankers - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX that my loan was already approved not to worry dont make XXXX or XXXX house payment and to go ahead and get appraisal doen however after getting appraisal there was all these hidden closen cost XXXX closing cost with XXXX less cash out becasue the apraisal didnt come in as they XXXX so i am going with a new lender i will not work with someone who with lie cheat XXXX from me and was treated like XXXX would get very upset with me especially now XXXX XXXX going with him then i saved voicemails where he has been calling me basically XXXX me XXXX me to go with them they will adjust number take out points so on i told them with a emial that i do not XXXX XXXX do this loan he kept on bother me and at time in best he would get very angry and yell at me im tired getting treated like XXXX XXXX lender i XXXX to say that he shoudl not be that way thats totall innapropraiete so I am asking if you help me get the XXXX dollers back from my appraisal or XXXX have them release it over so i can use for the new lender i dont believe that i should pay for another XXXX when i can use this XXXX and all they need to do is XXXX over and give permission to use it. Thank you XXXX XXXX XXXX XXXX XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-11 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: FL

Complaint narrative:
In 2009 I attended XXXX. I applied for loans and once I was no longer attending the college I was told 6 months from then I would have to then repay these loan. Once this time came I called the loan provider which was then XXXX XXXX/Navient and was looking for advice on how to handle them and move forward as a young kid with not much educations on these loans other than applying for them. There was only one program ever pitched to me and it was loan forbearance. The only thing that was highlighted was that I would n't have to pay anything until another gap in time and it would be good for my credit. I was never told how these programs worked, the only thing I was told is if you ca n't afford the payment that is the only option. Now when I 've learned more and more about these loans I 'm also learning that there are way more programs that could have benefit me way more like the income driven repayment programs from the beginning rather then trying to start them after the damage is done from accruing tons of capital interest. It is like picking a name out of a hat whether or not you actually get a representative that gives you accurate information on how to manage your loans. Now they are stating there is nothing they can do. I believe the issue is the people you are looking to guide you such as Navient, there needs to be more mediation of their representatives & they need to be held accountable for their mistakes not the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-11 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
My XXXX loan was from XXXX XXXX ( From XXXX XXXX/XXXX/XXXX ) transferred to XXXX on XXXX/XXXX/XXXX and now got transferred from XXXX to Bank of America on XXXX/XXXX/XXXX. I have been paying online on time and I was charged {$12.00} XXXX from XXXX to XXXX. I received a check from you regarding a penalty refund from XXXX XXXX ( CASE XXXX Document XXXX Filed XXXX/XXXX/XXXX Page XXXX of XXXX http : XXXX ) XXXX stopped charging me the {$12.00} online fee effective XXXX to XXXX. 

When my loan was transferred again to Bank of America effective XXXX/XXXX/XXXX, I have been paying online on time before the grace period. On XXXX/XXXX/XXXX, I was charge a {$6.00} fee and my grace period is until the XXXX of each month. Is this a valid charge? 

My first mortgage at XXXX has not charged me any of these fees. I have been paying online on a timely manner since XXXX. 

Please advice.

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 2017-10-11 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: BRite Financial Services, Inc.
State: MI

Complaint narrative:
On XXXX XXXX I contacted my auto finance company with hopes to change my payment due date or frequency of payments from bi weekly to monthly. Explained I 've been experiencing hardships and late payments with current arrangements and wish to continue leasing with on time payments made monthly and avoid issues with my residence which is affected as well.I was told after my first initial on time payment i would qualify that was in XXXX of XXXX all payments have been made and I am current on my lease. I was denied a due date change as well as a payment arrangement which would have the charges paid in full within XXXX weeks of original date of XXXX XXXX as it aligned with my pay schedule. I was also threatened with repossession and disablement of the vehicle if a payment was not received. Im devastated I have no desire to default on my lease or ruin my credit or compile extra fees or charges. I understand no willing to change my payments from bi weekly to monthly but not accepting a payment arrangement is outrageous and unethical

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
My name is XXXX XXXX and I am a XXXX XXXX with XXXX XXXX XXXX in XXXX XXXX. I am writing in regards to an investigation of financial abuse for a client.
On XX/XX/XXXX I submitted a request for a year 's worth of bank statements from Wells Fargo. On XX/XX/XXXX I received a response from XXXX XXXX stating that I would need to provide a signed authorization from the client to release the statements ; however, my client was XXXX and I obviously could not obtain that form from her. In addition, I could submit a signed POA form noting myself as her attorney-in-fact, but I am a XXXX XXXX with a county agency ( XXXX ) who has no authority to become POA for a client. It is in fact unethical and against policy for me to do so.
On XX/XX/XXXX I sent a response to the Denial of Request which is from the XXXX XXXX XXXX XXXX XXXX which stated the laws pertinent to this request. OnXX/XX/XXXX XXXX XXXX of Wells Fargo sent me the same response fromXX/XX/XXXX.
I have attached the correspondence to the file below.
It is quite unfortunate that a bank such as Wells Fargo will not protect their clients who are victims of financial abuse and cooperate with XXXX XXXX XXXX so that we can complete our investigation. I would like to see Wells Fargo complete my request, which is seen in the correspondence documents.

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 2017-10-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aldridge PIte Haan, LLP
State: FL

Complaint narrative:
I received at letter from A.P.H LLP 0n XX/XX/2017 informing me that they represent XXXX XXXX XXXX for a debt 0f $ XXXX.I never have acct, loan or credit car from XXXX 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 2017-10-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Hello, I have been disputing a XXXX XXXX with Equifax for some time now. This account is past the statute of limitations for California ( 7 years from DLA, which is XX/XX/XXXX ) XXXX and XXXX have followed the FCRA and removed the account but Equifax refuses. I spent over 1 hour on hold to be told they could do nothing more then dispute it which I have done 10+ times over the last 2 years. XXXX is violating the law by updating the DLA to XX/XX/XXXX, which is incorrect as I have had zero communication with this company since XX/XX/XXXX. Equifax tells me that they can only go by whats reporting and Porsche is not violating any laws by doing so. I have applied for a home loan and was denied do to the XXXX account and the XXXX balance owed. Please help me rectify this situation as they are clearly breaking the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-11 00:00:00
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC
State: OK

Complaint narrative:
I set up a payment agreement with Transworld Systems inc. I was told by two different employees that they would send me a letter of debt settlement. We arranged a payment agreement, I have not received a letter of debt settlement. I have contacted Transworld Systems inc. to try to get this issue resolved and they refuse to provide me with the information needed to prove that we have reached a settlement. I spoke with a supervisor and she still would not help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Midwest Recovery Systems
State: VA

Complaint narrative:
I filed a complaint on XXXX-XXXX-2017 with XXXX Credit Reporting and also with XXXX for a collection that was recently placed on my credit reports by a collection agency named Midwest Recovery Systems. Allegedly, the collection agency, Midwest Recovery Systems, claims that I have a unpaid Payday loan with a company called XXXX XXXX in the amount of {$1200.00}.
In the Commonwealth of Virginia, it is against the law to obtain internet Payday loans and it is also against the law to provide payday loans to Virginia residents if your are not a licensed business in the Commonwealth of Virginia. With those laws in effect, how would it be possible for me to take out said loan.
Also the Payday loan laws in Virginia state that the maximum amount you can borrow at one time on a loan in Virginia is {$500.00} so how would it be possible for me to take out a loan in the amount of {$1200.00}.
I was not notified by mail or by phone by Midwest Recovery Systems of this alleged Debt Collection prior to it being reported to the credit bureaus. I 'm not even sure if Midwest Recovery Systems is a licensed to do business in the State of Virginia.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC.
State: IN

Complaint narrative:
This issue is regarding Midland Funding. This experience on account # XXXX has been a great when dealing with XXXX XXXX. She accepted my settlement on the amount of {$520.00} for {$230.00}. Our communication at that time was respectful and rewarding.
However, with dealing with all the other representative after the payment has been made has been less that satisfactory. They are demeaning and refuse to send me the requested satisfaction letter.
I need the CFPB assistance with getting my satisfaction letter and to have Midland Funding update my credit report to reflect a XXXX balance.
As a customer I expect the same respect that was given to them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Stellar Recovery, Inc.
State: UT

Complaint narrative:
Stellar Recovery added an item to my 3 credit reports in regards to XXXX XXXX. I have never had an account with XXXX. First off Stellar never sent me any information that to dispute this account before adding it to my credit files. Secondly they are falsely trying to collect a debt not mine and has not sent me any kind of debt validation. I am demanding this account to be removed from my credit report, send me all accounting information on this account, send me proof of signature on this account. Stellar is violating my rights under the FCRA and I want solutions. If this is not completed within time frame I will be filing a complaint with my local attorney generals office and with the BBB.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-11 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: EOS Holdings, Inc.
State: PA

Complaint narrative:
I received a letter that had my husband name on it and I call EOS CCA and I told them I received a letter and found out it was for my step son ( they have the same name ) and I was told that I had to return the letter and they refused to make the address as a bad address and then I ask to be transferred to a supervisor and was hung up one

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-11 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: OR

Complaint narrative:
When I was first out of college and underemployed or unemployed the company consistently steered me towards forbearance and deferment, this took my loan balance went from the initial {$55000.00} to over {$72000.00} by the time I was able to get on my feet and find a good job. I feel like I would have been better served by a IBR or other program, but when it came to setting that up the documents would n't go through for on reason or another.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
Midland Credit Management based out of XXXX XXXX, CA. called me today attempting to collect a debt that was charged off in 2008 from XXXX XXXX. I understand that the statute of limitations is 4 years which XXXX XXXX of Midland Credit acknowledged they were, in fact, attempting to do.
He did offer to take me off the contact list but here is my concern. If the law states that they are not to make an attempt to collect the debt, who else are they calling beyond the statute of limitations that are unaware of this?
As a victim of the banking industry fall out, I was laid off, lost my home due to foreclosure as once I did obtain work I did not qualify for a reorganization of my loan as I was not upside down and retained equity on the property, hence the foreclosure which the bank was able to recover the entire balance of my loan. The years to credit recovery are long and I have not yet fully recovered and my situation I can say is likely better than most. Who else are the credit agencies contacting? This is a normal practice for them and citizens should be protected.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-11 00:00:00
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: NATIONSTAR MORTGAGE LLC
State: SC

Complaint narrative:
This is is complaint involving the communication practices and loan mismanagement by Nationstar Mortgage LLC d/b/a XXXX XXXX XXXX XXXX is a service mark of Nationstar Mortgage LLC. I recently took over the home from my mother who XXXX XXXX in XX/XX/XXXX. I am the owner and occupant of the home in XXXX XXXX  SC. I was going through a loan modification, in which I made all the normal mortgage and trial payments through XX/XX/XXXX The new terms took effect onXX/XX/XXXX, and I made the XX/XX/XXXXpayment on XX/XX/XXXX. We were never informed that there was more documentation being sent out to be signed, which we never received. We received multiple phone calls and they never left a message stating this matter. I called back these phone calls ( that were made during work hours ), and all they mentioned was that we continue to make monthly payments. I was in the middle of trying to sell my home, and I called in XX/XX/XXXXto make sure the payoff balance was still the new terms of $ XXXX versus the old terms of $ XXXX. They loan specialist said yes, and that I can request the payoff balance at any time. I was in the middle of finalizing terms with a buyer, and I noticed that they are saying the account is past due sinceXX/XX/XXXX, and that the terms are back up to the $ XXXX  balance. I spoke with an agent who said he could send a notary service out to expedite the signage of the trial modification documents on Friday, XX/XX/XXXX. However, I spoke with an agent and her supervisor onXX/XX/XXXX, and she said the loan modification was marked as rejected onXX/XX/XXXX She went on to say there is nothing they can do, and that I would need to speak to an investor. I asked if she had a contact for this investor or to state my case, and she told me to XXXX them. I asked if she can repeat that and provide me the contact she has, and she went on to say that they do not have that information and that she could XXXX it for me. I have been dealing with this matter for over a year, and my frustration levels are extremely high. This is highly unprofessional, unethical, illogical, and asinine. They way they conduct business is outrageous, and I truly believe their business practices should be audited. We are looking into other ways to remediate this situation

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc.
State: UT

Complaint narrative:
First off Diversified did not notify me that they were going to be collecting this debt and reporting it to the credit bureaus. I did not get any notice to dispute this item until it already appeared on my report. Secondly this same account was previously on my report by a different credit agency who removed it off my report as it was not my account. So Diversified bought this account and it is not mine and was previously proven as not mine. This is a violation of my FCRA. Once I seen it on my reports I sent them a certified letter requesting debt validation. I asked for proof that this is my account such as all accounting info, proof of signature, and proof of account history. They mailed me a bill! This is not debt validation. The bill does not show that I opened this account and that it is mine. My identity was previously stolen and have had problems ever since. So if this debt can not be VALIDATED as my debt it needs to be deleted from all 3 credit reports. As it previously was. If this is not handled accordingly I will go to my local attorney generals and to the BBB and file a complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-11 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:
XXXX, Experian and XXXX are reporting the wrong address and additional credit accounts that I do not own. XXXX, Experian and XXXX have been hacked.

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 2017-10-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
I have an account that is showing in collection status for a former debt owed to XXXX XXXX XXXX, XXXX. which was sold to the law office of XXXX XXXX XXXX and XXXX, XXXX. 

I will attach letter below showing proof that the debt showing in collection now for this same lender bill that is already " settled '' with previous law firm in 2010. There has been no other collections contact for me from this original lender XXXX. 

I dont owe the bill twice and ask that the XXXX showing as collections from another law firm for XXXX be deleted as a duplicate. Apparantly this debt was sold again in error and showing it not paid by another law firm trying to collect this same debt. The current collections company needs to go bac to XXXX XXXX law firm and work there problem out but I wont pay twice. There is no court order for payment so it is showing in collections in error. 

I wont pay it twice and ask that the current collections company be notified and that this debt not owned be deleted by all three credit bureaus for the lender for the account showing under collections who is trying to collect an already paid debt. 

.Other than a date opened ( which may be incorrect ). There is no past due indicated, no past due history, no specific account this XXXX XXXX was pursuing. Vague details and do not follow guidelines of complete information required to report to credit report bureaus under state and federal credit laws as required.

Company response to consumer: Closed with explanation