vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-06-16 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONSTAR MORTGAGE LLC
State: MI

Complaint narrative:
Currently I have an FHA loan with Nationstar mortgage,  XX/XX/XXXX  I received a HAMP modification I fell behind because I had to replace my roof of my home. I filed for Chapter  XXXX  bankruptcy  XX/XX/XXXX  to keep my home  XX/XX/XXXX  I applied for a Loan modification again I was told I would not qualify until  XX/XX/XXXX  for another modification which would be 2 years from the previous one, It was denied  XX/XX/XXXX  saying I had a previous modification. I applied again and now they are saying I There is a Government Investor and I would not qualify for a modification until  XX/XX/XXXX  now 3 years later, can you please look into this for me I have been trying diligently to get the payment modified now that I can afford it again.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-16 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Medical Data Systems, Inc.
State: GA

Complaint narrative:
I do not have a contract with MDS. I am not liable for the collection of this debt nor am I responsible. I have never done business with this company. In fact, I have never heard of this company until receiving a copy of my credit report. MDS has failed to provide me with legal supporting documents. I requested the signed contract between me and this company and they neglected to provide it. Instead they sent me " ER  Admission papers ''. I requested an original itemized bill and they neglected to provide it. Instead they sent me a statement with a balance for " ER services ''. I requested a HIPAA release form signed by me allowing MDS to access my medical files they have neglected to provide that form all together. Not only are my HIPAA rights being violated by this company but so are my consumer rights. I attempted to disput this invalid debt via the bbb but to no avail. They continue to ignore my requests. It is my contention that MDS KNOWS they can not tie me to this account otherwise they would have done so when I made my initial request. MDS is BLANTLY disregarding the law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-16 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: ENOVA INTERNATIONAL, INC.
State: PA

Complaint narrative:
I spoke with a  XXXX  on  XXXX   XXXX   XXXX  and I advised that I would like to reduce interest rate to 6 % covered under the SCRA guidelines. I emailed a copy of my   XXXX   XXXX   XXXX   XXXX   XXXX   which has an effective date of  XX/XX/XXXX  through  XX/XX/XXXX , however I am converting to   XXXX   XXXX   XXXX   effective  XX/XX/XXXX  through  XX/XX/XXXX  because I will be deploying overseas. I received an email from the company stating that I did n't qualify under the SCRA guidelines because I obtained the loan on  XX/XX/XXXX . I explained to them I 'm covered under the act because I will be   XXXX   XXXX   XXXX   XXXX   XXXX   effective  XX/XX/XXXX . I spoke with a resprentative today and she said she would re-open the request however she stated that they did acknowledge my   XXXX    XXXX  dates and still stated I did n't qualify. Upon further review of my contract they have me paying 93.22 % per year on a {$6400.00} loan. I have been paying {$480.00} a month. I originally obtained this loan because of the financial difficulties I was dealing with after my separation from my spouse. According to the ridiculous contract I will pay off this loan on  XXXX   XXXX   XXXX  paying them a total of {$22000.00}. That just is n't right and they even said in the email that I was not covered under The  Military Lending Act as  well. I 'm getting ready for my  XX/XX/XXXX  XXXX  XX/XX/XXXX and this loan is  XX/XX/XXXX me out.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
My husband passed away on  XX/XX/XXXX , I went to Bank of America  2 w eeks later and gave them his  Death Certificate.  BOA immediately shut down his online banking and closed his BOA credit card. They told me nothing else could come in or out of his credit card. As stated when I got home on the online banking was longer available. Two days later  XXXX  was taken out of our joint account for the cc. Spent ov er 3 hou rs on the phone, it took several weeks until they resolved the issue and then put the money back into the account. This happened again i n  XX/XX/XXXX ,  XX/XX/XXXX , and now again in  XX/XX/XXXX .  Everytime they tell me they have resolved the issue and that it would not happen again. Today I spent and hour and 41 minutes on hold and talking with no results, but with a promise of a call with in 72 bu siness hours. They have said this before, but I always end up calling back and going through the whole routine again. Last time I threatened to call CFPB and the money was in my account  XXXX  in 12 h ours. That did not work this time. None of the other  XXXX  accounts were paid out of my his online banking except for BOA. Very strange?

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 2017-06-16 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
In XX/XX/XXXX, I purchased this home after a divorce and worked 3 jobs to purchase my home as a single parent. In XX/XX/XXXX I lost my employment of 20 years with XXXX XXXX XXXX and was unable to make my mortgage payments. I contacted my lender, Wells Fargo Bank, and they granted me a Loan Modification with adjusting rates and payment as follows with a term of 40 years. Please note, my property taxes and home owners insurance are impounded in these payments approximately {$380.00} as follows : XX/XX/XXXX-XX/XX/XXXX - 2 % interest - Payment {$1200.00} XX/XX/XXXX-XX/XX/XXXX - 3 % interest - Payment {$1300.00} XX/XX/XXXX-XX/XX/XXXX - 4 % interest - Payment {$1500.00} XXXX - 4.6 % interest - Payment {$1900.00} ( increase includes HERO PROGRAM increasing property taxes by {$3000.00} annually instead of {$1500.00} annually ) XX/XX/XXXX-XX/XX/XXXX- 5 % interest - Payment TBD In XX/XX/XXXX, I was forced retired and was not able to gain full-time employment ; consequently ; I am was only able to get a part-time seasonal job earning approximately $ 1000 monthly during the months of XXXX through XXXX plus my social security benefit of {$1500.00}. I do not work during the summer months, therefore, my monthly mortgage payments are unaffordable during these summer months. <P/>Here is how this process works to apply for the MAP. You must submit over 100 pages of documents such as 2 prior years of federal and state taxes, 2 months of pay stubs, recent bank statements, letter of hardship, etc. However, only the " Income and Expense '' page is reviewed by the underwriter. If you have equity built in your home, then you are automatically denied assistance. Wells Fargo makes you believe they are going to assist you throughout the process but know you will be denied assistance regarding of your financial hardship, which Wells Fargo refuses to admit you have a financial hardship. <P/>PLEASE READ XXXX AND XXXX XXXX XXXX AND YOU WILL SEE HUNDREDS OF WELLS FARGO CUSTOMERS GOING THROUGH THIS SAME PROCESS AS I HAVE FOR 3 YEARS BEING PROMISED ASSISTANCE WITH THE MORTGAGE ASSISTANCE PROGRAM INSTEAD, CUSTOMERS ARE ALWAYS LOSING THEIR HOME TO FORECLOSURE. <P/>I am requesting that you please have my lender, Wells Fargo Bank, lower my house payment and not make me move or lose my home to foreclosure because this month, XX/XX/XXXX, I am unable to pay my mortgage payment. I beg that you please have these lenders help keep their customers in their homes especially after retirement.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-16 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: OH

Complaint narrative:
This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FCRA ), section 623, subsection ( 8 ) ( D ). The basis for my dispute is that, as I understand the code, your office was required to notify me, in writing, prior to, or no later than 30 days after furnishing any negative information to the consumer credit reporting, that such information was being furnished. This notification is required under the FCRA, section 623, subsection ( 7 ) ( A ). To date, I have not received any documentation in complian ce with this section.   I am requesting that you provide me with proof of notification, i.e. a copy of the actual notification sent, and proof that it was delivered to me in a timely manner.   If you can not provide proof of notification and date of receipt then you can not substantiate that you complied with the procedures required under the FCRA. In which case, the continued reporting of negative information to the credit reporting agencies in connection with the aforementioned accounts may constitute the reporting of false information, causing damage to my reputation and future credit worthiness.   To resolve this situation, I ask that you investigate this matter, and modify the accounts accordingly. I also ask that you inform the appropriate credit reporting agencies of your actions, and ask that they make the proper updates to the accounts at issue.   It  is my understanding that the FCRA 623 ( 8 ) ( E ) ( iii ) establishes a time-frame for these issues, and that section 621 of t he FCRA supports my request in this matter. I have also requested the guidance and support of the Attorney Generals office. The items that appear on my credit report as :  1.  XXXX   XXXX   XXXX   #  XXXX  2.  XXXX   # 1  XXXX   3.  XXXX   XXXX   XXXX   # 1 XXXX , #  XXXX ****, #  XXXX These account are a violation of HIPPA Act. Never done business with   XXXX   XXXX  . please pro duce a copy of my signature or contract or delete account error.    4.  XXXX   XXXX   XXXX   # 1 XXXX These account are a violation of HIPPA Act. Never done business with   XXXX   XXXX  . please produce a copy of my signature or contract or delete account error.     5.  XXXX   XXXX   #  XXXX this account has no contract error please delete nev er done business with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
On  XX/XX/XXXX  I have contacted  XXXX   XXXX  to ask them to remove the reporting of a vehicle that was repossessed and charged off in  XX/XX/XXXX . They are still reporting this vehicle as open and being late. It is showing up on my credit report that it has been late, has a past due amount and that I am being late on these payments each month. It is my understanding that  a 7 yr clock  starts on the last payment you made and no one is allowed to " re-age '' the item to start the clock over.  XXXX  is still reporting that this charged off account has a balance and is still being reported as late even though the charge off was 11 years ago. I have done a dispute with the credit bureaus, but they state that their is nothing that they can do to help me. I am trying to buy a home and this is negatively impacting my credit. I do n't understand how long this company can keep reporting this negatively on my credit report for this long. It looks like this just happened and I am currently late on these payments. This vehicle was repossessed due to the death of my death daughter and having to bury her and then losing my job 3 days later. I was not able to make the payments and could not catch up with the payments due to the unforeseen circumstances.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-16 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: OH

Complaint narrative:
On XX/XX/XXXX  I have contacted  XXXX   XXXX  to ask them to remove the reporting of a vehicle that was repossessed and charged off in  XX/XX/XXXX . They are still reporting this vehicle as open and being late. It is showing up on my credit report that it has been late, has a past due amount and that I am being late on these payments each month. It is my understanding tha t a 7  yr clock starts on the last payment you made and no one is allowed to " re-age '' the item to start the clock over.  XXXX  is still reporting that this charged off account has a balance and is still being reported as late even though the charge off was 11 years ago. I have done a dispute with the credit bureaus, but they state that their is nothing that they can do to help me. I am trying to buy a home and this is negatively impacting my credit. I do n't understand how long this company can keep reporting this negatively on my credit report for this long. It looks like this just happened and I am currently late on these payments. This vehicle was repossessed due to the death of my death daughter and having to bury her and then losing my job 3 days later. I was not able to make the payments and could not catch up with the payments due to the unforeseen circumstances.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-16 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
On  XX/XX/XXXX  I have contacted  XXXX   XXXX  to ask them to remove the reporting of a vehicle that was repossessed and charged off in  XX/XX/XXXX . They are still reporting this vehicle as open and being late. It is showing up on my credit report that it has been late, has a past due amount and that I am being late on these payments each month. It is my understanding that a 7 yr clock starts on the last payment you made and no one is allowed to " re-age '' the item to start the clock over.  XXXX  is still reporting that this charged off account has a balance and is still being reported as late even though the charge off was 11 years ago. I have done a dispute with the credit bureaus, but they state that their is nothing that they can do to help me. I am trying to buy a home and this is negatively impacting my credit. I do n't understand how long this company can keep reporting this negatively on my credit report for this long. It looks like this just happened and I am currently late on these payments. This vehicle was repossessed due to the death of my death daughter and having to bury her and then losing my job 3 days later. I was not able to make the payments and could not catch up with the payments due to the unforeseen circumstances.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: WI

Complaint narrative:
We have been a user of the Sam 's Club credit card for a few years and have various annoyances but this was by far the worse. We were approved for a certain credit limit, we made purchases up to that limit and then we paid the balance prior to the due date. Because the payment was large, Sam 's Club credit applied the payment, the money was taken from our financial institution BUT Sam 's Club credit is holding the payment for 7 days. Because we made a large purchase ( and paid for it ) we do not have exce ss credit to be able to continue to use the card. This is a huge annoyance and we will never rely on this card for anything important. Talking with the company did absolutely nothing and all they did was indicate that it is within their 'rights ' to hold the payment. Horrible customer service and horrible mismanagement of an account that has always been in good standing.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-16 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: IA

Complaint narrative:
This complaint is about  XXXX  Synchrony Bank Accounts -  Amazon, PayPal Smart Connect, and Car Care One. I became behind with them a  year ago due to medical bills and my only source of income is  XXXX . They charged off the accounts between  XXXX  and  XXXX ,  XXXX  and they say they sold it to  XXXX   XXXX   XXXX .     In  XXXX ,  XXXX , I was able to cash out my pension as a hardship and I made a diligent effort to give all my past due bills something. I gave the entire pension amount to pay medical bills first and then other bills. I gave each of the above mentioned accounts {$750.00} each. I paid by  Bill pa y from my bank. I have proof of payment. However, they never reported the payment on my credit report and they did not send it to  XXXX   XXXX   XXXX  as they continue to bill for the full amount. They told the credit bureau that they reported correct information, but they still have not.     This is {$2200.00} altogether! That 's everything I had as there are no other assets. If they did not credit it, did not give it to  XXXX   XXXX   XXXX ., then they need to refund it! I tried to do right by them when I had nothing more to give.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-16 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: CAINE & WEINER COMPANY, INC.
State: WA

Complaint narrative:
Had a false claim submitted to  Caine & Wiener from  seller on  XXXX , which  XXXX  ruled stated I did not owe any money.  XXXX   XXXX   XXXX  claimed he was a lawyer, that he did not care that  XXXX  said I am under no legal obligations, and that I was breaking the law by not paying. When I asked for his lawyer licensing number, he then back tracked and said he never claimed that. He was trying to intimidate me and then very rude afterward, and refused to answer most of my questions. I could not get any information on the company that filed the false claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-16 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: Continental Finance Company, LLC
State: PA

Complaint narrative:
I had a Ch  XXXX  bankruptcy discharge on  XX/XX/15   .  Continental Finance c redit card was included in the discharge. They continue to misrepresent my old account on my credit report. Initially it stated closed and charged off. Now it says it 's open with 107 % credit usage. It impacts m y credit score monthly. I 've contacted them and spoken to a representative twice over the past two months. They co ntinue to tell me that the account shows as closed and noted my bankruptcy discharge. Monthly, my reports ( all  XXXX  bureaus  )  states differently. I 've also disputed through the credit bureaus and  XXXX  -Continental Finance sen ds them false bank account information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-16 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC.
State: WA

Complaint narrative:
I consolidated several  FFEL Stafford unsubsidized/sunsidized/Federal Perkins lo ans taken out over 4 yea rs  XX/XX/XXXX - XX/XX/XXXX into an FFEL consolidated loan for {$27000.00} in  XX/XX/XXXX . For t he next approximately 18 years I was counseled by the loan servicing representatives to defer or forebear the payments with no counseling that the interest is still accruing. It was not until recently I pulled my credit and saw a loan balance of {$100000.00}. I have called and tried to work with them to understand how this happened and how I get it fixed. There is no responsibility being taken by the company that would call me every so often and say " do you want another deferment? '' and never explain this was a very irresponsible choice and educate me on the consequences of those easy yes answers I gave them over the years. I will not be able to pay this loan off in my lifetime. I do however have a family member willing to offer a cash settlement but I have been informed that I can not negotiate. Why? I have spoken to a lawyer and will pursue more options for legal action. We feel this is predatory lending among other types of consumer abuse. Filing this complaint was recommended by my counsel as a first step. Thank you.

Company response to consumer: Closed with explanation