vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-08-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: FL

Complaint narrative:
I pay my mortgage every month via monthly bill pay. I do not have access to my mail for months at a time. Ditech reassessed my escrow payment and charged me more then started charging me {$23.00} for the {$31.00} short payment my bank automatically made. This is not a late payment and when I asked for the exorbitant fee to be returned all they can say is we can not do that. They are charging almost 100 % fee on the short payment and that is usury at the very least. I have had many other problems with Ditech mostly because they can never seem to receive a fax. I have been required to send them faxes to resolve issues and they never receive them. They then charge me fees or report me to the credit bureaus ruining my credit. They are bullies and need to be disbanded. I would ask to be moved to another mortgage servicer if that was possible. Please help me stop the dishonest in my opinion criminal practices of this bully of a company. 

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 2017-08-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Selene Finance LP
State: IN

Complaint narrative:
I am filing a consumer complaint against my previous mortgage lender XXXX-XXXX ( XXXX ) for violation to the National Mortgage Settlement ( NMS ). This settlement prohibits lender abuse during the application process of applying for loan modification assistance. Somehow, my ex-wife XXXX XXXX XXXX, was allowed to complete a loan modification without my permission nor signature in or aroundXX/XX/XXXX. 
As a result of this negligence of XXXX, it appears that because my home loan was allowed to be modified without my consent, the new servicer Selene Finance ( SF ) now refuses to discuss loss mitigation options with me and will only speak with the co-borrower of the loan which just so happens to be my ex-wife XXXX XXXX XXXX. I feel that since XX/XX/XXXX, is still the owner of my loan it is their responsibility to correct the error. 
In fact XXXX, obtained a final judgement for foreclosure during the time that I was attempting to plead my case with SF, with regards to my rights to the home. 
First off, Ive provided copies of my recorded mortgage Note dated XX/XX/XXXX, in addition to this my name also appears on title for the property. 
See Exhibit A ( Mortgage Note dated XX/XX/XXXX ) Secondly, Ive sent copies of the Agreed Order from the divorce that was completed between XXXX XXXX XXXX and myself datedXX/XX/XXXX, which clearly indicates that XXXX XXXX XXXX has released all interest in the home and has no desire to be a part of the decision making process for loss mitigation nor any other subject matter relating to the property. This order releases all liability of XXXX XXXX XXXX and appoints myself as the sole responsible party. 
See Exhibit B ( Agreed Order Divorce datedXX/XX/XXXX ) Furthermore, both XXXX and SF also failed to adhere to a settlement conference, which is a face-to-face meeting with the lender to work out a foreclosure prevention agreement. ( Ind. Code 32-30-10.5 et seq. ) XXXX and SF have blocked me from the opportunity to satisfy the mortgage debt, instead SF and XXXX prefer to take advantage or abuse our homeowners rights in the same process which are deemed as direct violations to 'Real Estate Settlement Procedures Act ( RESPA ) ( 12 U.S.C. 2601 et seq. ) Regulation X.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-25 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC
State: IL

Complaint narrative:
I have tried to resolve my escrow account with roundpoint mortgage mutilple times. They took over servicing in XX/XX/XXXX of 2015 and did not pay the second parcel. They refuse to fix the situation and I do n't know how to get this resolved.

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 2017-08-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
On or aboutXX/XX/XXXX, we notice a Mortgage Lien on our Deed from Wachovia Bank in the amount of {$110000.00} that was n't our 's. We contact them to request a copy of all documents as proof of a completed Loan Application, Origination Documents, XXXX Application, Truth and Lending Documents that were signed by the property owners. 
We also asked for a copies of all payment received from us as Mortgage Payments. 
As of this date, all we have received from them if request for Account Number which we do n't have. They 're ( Wells Fargo formerly Wachovia Bank ) saying verbally there was no Mortgage with them. We brought this house inXX/XX/XXXX for {$92000.00} and we are trying to clear these small matter so we can retire.

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 2017-08-25 00:00:00
Product: Mortgage — FHA mortgage
Issue: Improper use of your report — Reporting company used your report improperly
Company: U.S. BANCORP
State: TN

Complaint narrative:
I 'm told by US Bank Mortgage that they have n't reported received the identity theft affidavit. I mailed it to Customer Service Fraud Department on XX/XX/XXXX. It was sent to XXXX KY per their request. I notice my name have been changed to XXXX XXXX XXXX. I was told it was received onXX/XX/XXXX. I was told a letter would be sent to me on XX/XX/XXXX concerning payments made to the insurance companies by U S Bank Mortgage. I have n't received any mail. I requested information concerning property taxes paid by U S Bank Mortgage.

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 2017-08-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
We wrote a check on XX/XX/XXXX to XXXX for {$57.00}. It was stolen either from the post or XXXX. The check was then forged for {$5800.00}. Citibank cleared the check. We noticed the error during regular accounts checks and reported the crime on XX/XX/XXXX to Citibank. The check was clearly a forgery as all our checks are purchased from Citibank and have Holograms, this one did not have a Hologram. Also the check was written out in English and XXXX which we have never done. We were informed the process could take up to 90 days but they would credit us the funds and then investigate. This was never done. We visited Citibank and called them on a number of occasions and we were always told that the funds were not replaced as they were still investigating. But we should not worry as they were sure to replace them. We received a letter Citibank saying they will not replace the funds as the signatures matched. We lodged a dispute with Citibank against this decision.

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 2017-08-25 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: CO

Complaint narrative:
In XXXX 2016, I entered into a repayment agreement with Navient concerning three private law school loans totaling almost {$30000.00}. I agreed to pay {$200.00} a month on the XXXX of each month, and in exchange, Navient agreed to lower my interest rate to .001 % after three timely payments. I have made 18 payments now of {$200.00} a month, totaling {$3700.00}. Despite the repayment agreement and on-time payments ( which Im continuing ), Navient refuses to send to me a pay history showing how my balance is declining or how the payments are benefiting my bottom line. Even worse, Navient still shows my account as past due and continues to report it to the credit reporting agencies that way. I have asked them to correct this, but they refuse representing that the prior default has not been remedied. This makes no sense and is violative of the FDCPA and other statutes because we entered into the XXXX  2016 repayment agreement which supersedes the prior repayment arrangement and remedies any outstanding default.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-25 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: AZ

Complaint narrative:
I have disputed the balance of {$30.00} with XXXX XXXX XXXX  XXXX XXXX, requesting documentation that bear my signature that agreed to this charge. It has been over 4 months with no documentation being sent from them. I have contacted them several times over the course of the 4 months with no solution. Now, I receive a collection notice from TransWord Systems Inc -  I am filing this report with the CFPB to alert the illegal practices of XXXX XXXX XXXX XXXX XXXX for ignoring the request for validation of debt which is a direct violation of Federal Collection Laws. If Transworld or XXXX XXXX XXXX XXXX XXXX  proceeds on inserting this to my credit report, civil ligation will result.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
In late 2012 I was given a big pay cut at my company. My wife and I contacted Citi Mortgage to see if we had any options to lower the rate or lower the amount for at least a short term. They offered us a HARP loan modification that would take our payments down almost 200 per month. We asked for paperwork and what they needed to get this started. up until this point we were on time with our mortgage every month without issue. They had us send in money that they would " Hold '' in order for the modification to be approved.We made double payments to them and the money is shown on our account but never applied to it. They approved the modification and gave us a new monthly payment. After a few months I was looking at getting a new car and my FICO score dropped over 100 points. Once I looked I found Citi allowed us to go behind 5 months to show " need '' even though we still sent in money. This kept us behind for months, but the damage to my credit was done. I have asked and disputed the reports for years to the point I can no longer dispute it. My mortgage should never have been behind and they hid behind a federal program that was to help people in order to ruin my credit. I have no other options now and these marks need to be removed.

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 2017-08-25 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
When pulling my credit report through Experian there is a judgement in my name at the XXXX County Superior Court 2 for XXXX XXXX XXXX XXXX. I have contacted the XXXX County Superior Court and Clerks office about this judgement. They sent my copies. I do not see this judgement as well as the XXXX County court. It is not in their records. 
I have contacted XXXX XXXX XXXX XXXX and they stated that the account was closed. 
I am disputing this because the judgement is keeping me from proceeding with my line of credit. My credit counselor has advised me to take care of my judgements in order to help my credit score. I have taken care of everything but this account is incorrect. 
Please help me to get to the bottom of this.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: DC

Complaint narrative:
Complaint # 1 : In earlyXX/XX/XXXX, I requested an update to my monthly payments with Fedloan Servicing ( or Pennsylvania Higher Education Assistance Agency ). It took Fedloan 3 months to switch me to a new payment plan. In those 3 months, I was in forbearance, which meant I lost out on months worth of payments towards my Public Service Forgiveness Loan program. Please note, I contacted Fedloan before XX/XX/XXXX about updating my repayment plan. 
Takeaway : Fedloan Servicing purposely took their time to switch me over so that I would be in forbearance longer. 

Complaint # 2 : Following the update to my monthly payments, a " late/missing '' payment started appearing on my account homepage and I started receiving letters about it from Fedloan. When I contacted Fedloan ( because I 've been enrolled in direct deposit sinceXX/XX/XXXX, so how can I have a late/missing payment? ), I was informed that the payment update created a glitch on their end and that the " late/missing '' payment was incorrect and would be removed. That was in the summer of XX/XX/XXXX ; it is XX/XX/XXXX, the " late/missing '' payments are still on my profile, I 'm still receiving emails and now inquires about it when I call Fedloan. And when I do remind them that the mistake is theirs and should have already been resolved, I get the runaround. 
Takeaway : Fedloan Servicing incorrectly billed me for a late/missing payment and is incompetent in fixing their mistake. 

Complaint # 3 : In XX/XX/XXXX, a customer service rep informed me of the qualifying payments I have made towards my Public Service Loan Forgiveness Program. When I received the official letter from Fedloan, my qualifying payments were less than what I went over with the rep.I followed up with Fedloan, and of course, no explanation other than it would be put in review, which could take months to address. 
Takeaway : Fedloan Servicing is purposely and unprofessionally, reducing the number of my qualifying payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-25 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Retail Merchants Associates
State: LA

Complaint narrative:
On XX/XX/XXXX a collection was placed ony account by retail merchants association with a debt of {$940.00} they stated I owed to the city of XXXX XXXX XXXX. I spoke with XXXX today XX/XX/XXXX to see why because at the time when this occured I was a minor and I had insurance. She stated XX/XX/XXXX is when they sent the collection to the agency not when the XXXX ride occured. She stated I filled out information in the XXXX back then which I informed her I could n't have I was a minor. She stated my mother must 've filled it out wrong but my mother never came to the hospital and I never did see a doctor. So she said " if I would 've answered the phone back then they could 've helped me ''. I told her I was a minor and no one answers strange numbers. I told her I do remember telling a representative I was in school during a call an she stated " you remember that from five years ago you must have some good memory ''. She kept stating what I should 've done but I told her I was a minor and she stated you kept hanging up you should 've talked to us. She refused to listen to what I had to say. No paper work was ever filled out.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-25 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: CA

Complaint narrative:
When pulling my credit report through XXXX there is a judgement in my name at the XXXX County Superior Court 2 for XXXX XXXX XXXX XXXX. I have contacted the XXXX County Superior Court and Clerks office about this judgement. They sent my copies. I do not see this judgement as well as the XXXX County court. It is not in their records. 
I have contacted XXXX XXXX XXXX XXXX and they stated that the account was closed. 
I am disputing this because the judgement is keeping me from proceeding with my line of credit. My credit counselor has advised me to take care of my judgements in order to help my credit score. I have taken care of everything but this account is incorrect. 
Please help me to get to the bottom of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: STATE EMPLOYEES CREDIT UNION
State: NC

Complaint narrative:
Once again I have received a letter in the mail from SECU. now all of a sudden my car note is a month behind. When I have my car payment set on automatic draft. On my paydays on the last day of the month before my check is deposited into my account my car payment of {$220.00} is deducted out of my withholdings before I even get my paycheck. For the month of XX/XX/XXXX they refused to take a payment. And knowingly refused to advise me of the situation until XX/XX/XXXX surprisingly that happens to be the same day I got a letter about my account being closed. Which is nothing but retaliation from my complaints to the CFPB. Now they expect for me to make a double payment on XX/XX/XXXX this is totally unprofessional. I have reached out to the credit union and have not been answered yet. I demand answers I will not let this go any further than it already has

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: FL

Complaint narrative:
This company which I hold no contract with nor have I received services from reported a collection account against my SSN in the amount of {$930.00} with XXXX, XXXX and XXXX credit agencies. I requested verification of the debt and account however the business failed to provide adequate proof that I owe TSI. Considering this business does not have a contract with me for goods or services they have provided nor have they provided adequate proof I am not obligated to pay for the alleged debt to TSI

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
A skateboard was purchased on XXXX for {$1600.00} onXX/XX/XXXX. The skateboard was returned back to the merchant on XX/XX/XXXX under XXXX tracking # XXXX. The returned item was successfully received by merchant however a refund was NOT processed by merchant. A dispute was filed with the credit card company, Capital One, approximately 2 weeks after XX/XX/XXXX. On XX/XX/XXXX, I received a notification from Capital One informing me that I was getting re-billed for the full amount of this charge, {$1600.00}. Capital One refused to further assist me in this dispute despite having already returned the item back to the merchant. I expect a full credit of {$1600.00} to be posted back on my credit card statements as I DO NOT retain possession of the skateboard anymore. The item was returned back to the merchant and a return tracking number is provided. As such, a full refund is 100 % expected at this point in time. I expect Capital One to process this dispute and refund the charge for {$1600.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Hunt & Henriques
State: CA

Complaint narrative:
XXXX XXXX XXXX v. XXXX XXXX XXXX XXXX no. : XXXX XX/XX/XXXX, 20 09, XXXX filed a limited jurisdiction complaint against me, in XXXX XXXX Superior Court, alleging a single Common Counts cause of action on an open book account in the amount of {$3600.00}. 

I was never properly served with the summons and complaint in this and did not have actual notice of the lawsuit The process server company does not exist, which means the process server name and server # may be false, and the phone number listed for the process server company is registered to XXXX.

Company response to consumer: Closed with explanation