vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-04-07 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC
State: FL

Complaint narrative:
Please help me dealing with Loan Care. They have decided that the home that I own is not mine and will not allow me to make the payments on the loan modification they gave me. Instead, they have a sale date scheduled on my home on XX/XX/2019 an wont do anything to stop the sale. The home was granted to me by the courts through my very messy divorce. The loan is under my husbands name only, but I have legal rights through a quit claim deed and am the only person on title. Loan Care took me through the entire loan modification process and when I made my first trial payment, they sent it back and have forced my home into foreclosure. They say that I have no legal rights to the home, but they are entirely wrong. Every time I contact them I have to speak to another person who doesnt seem to understand what they are doing. Since I am the only one on title, they must give me the home since there is no one else who has rights to the property. I am shocked that I will be kicked out of my home because Loan Care can not get this straight. When my husband and I went through the divorce, we became delinquent on our home mortgage since he fought me all the way and did everything in his power to ensure that I would struggle as much as possible. During our marriage he did the worst things possible to me and I am still suffering physically from his abuse. To add insult to injury, he wants me and my boys to be homeless and has told me so. Loan care is not lifting a finger to help me and I am hoping that you will step in and get Loan Care to save my home from foreclosure and allow me to start making my mortgage payments. I am now strong financially and can afford a reasonable mortgage payment.

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 2019-04-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: CT

Complaint narrative:
We have been fighting with Wells Fargo for over a year now they did not go about it in a professional way to let us know we were in danger of a foreclosure they say they did but we didnt recieve anything because if we did we would have acted sooner and taking care of everything sooner and its because of them that we fell more behind because our mortgage wasnt behind by much when we called to do a loan modification and gave us the run around and said we have missing paperwork when we faxed it them, mutilple times and we think its funny that everytime we tried to make a payment during the process they said we couldnt and every person we ever talked to would mysteriously disappear and wouldnt be working there anymore which I believe is shady ...

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 2019-04-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: NJ

Complaint narrative:
I never had a problem paying my mortgage payments and had received a loan modification from XXXX XXXX XXXX. However, when my loan was transferred to Specialized Loan Servicing, my mortgage was in limbo for six months and I could not make my payments. This caused my loan to become delinquent and SLS is unwilling to work with me to fix my mortgage issues. After XXXX gave me a modification a few years ago, I made my payment on time for three years. Then out of the blue, XXXX transferred my loan, but they could not tell me where it went. I finally received a mortgage statement from SLS six months after the transfer, but when I contacted them and tried to pay, they had added foreclosure and late fees and I could not make the entire payment. Since that time it has been a nightmare trying to get them to unwind the foreclosure and get my loan back to a current status. There is a sale date on my property and I may lose my home through foreclosure on XX/XX/2019. I should have never become delinquent on my mortgage in the first place, but I was advised to stop making payments on my mortgage when I was with XXXX so that they would work with me. I should have never followed their advice, since my mortgage balance had gone up significantly. After six months of working with their Loss Mitigation Department, they gave me a modification that I could afford and I was happily making my mortgage payments. However, when I tried to make a payment one day, I just got a recording stating that my loan was going to be transferred. When I spoke with their representatives, they had no idea where my loan went. I tried to get things sorted out with SLS and perhaps get another loan modification, but after a very long time of dealing with SLS, they said I already had my loan modified and there was nothing they would do. This is very unfair as I never have had a problem paying the mortgage for many, many years and now they are going to take my home away. Please help me with SLS and save my home.

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 2019-04-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Unable to obtain my free annual credit report from TransUnion credit reporting agency. Made 5 days worth of attempts online via XXXX. Had absolutely no issue obtaining my credit reports from XXXX or XXXX online. I called the phone number associated with XXXX to request my credit report be mailed to me. I recieved the report in a timely manner only to read my TransUnion report had been " SUPPRESSED ''. I called TransUnion and spoke to 4 individuals that were unable to get my report sent to me. The last individual said he was the highest ranking official at his location. And that it was TransUnion that " Suppressed '' my credit report. I asked him to release it and he said I had to mail in a copy of my Social Security card. I am NOT comfortable with that! He gave me the phone number of their home office. After leaving 3-4 recorded messages ... .... still no return call. Gives me pause to wonder why a powerful credit reporting agency can operate what appears to be a scam/ sham operation. I never requested a credit freeze or any other similar service. I just simply want a copy of my TransUnion credit report as I am entitled yearly.

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 2019-04-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: GATEWAY FIRST BANK
State: OK

Complaint narrative:
Gateway Mortgage is the loan servicer on my loan, but they have made a complete mess of my mortgage and will not rectify their accounting errors. They claim that I am 13 payments past due, but I am not late a single day on my mortgage. I have never been in financial trouble or have I had any money issues since I purchase my home and have made every mortgage payment on time. I was hopeful that they could quickly fix the problem, but it appears that their Accounting Department can not get this corrected and now my loan is in foreclosure. I make plenty of money as my mortgage payment is only about 15 % of my gross income. My job is extremely stable and I have been there for about five years. My mortgage payment is around {$480.00} per months and I send them money orders every month. I can provide proof of payments if need, but they should be able to fix this on their own. It is very unfair that they publicly announced that I am a deadbeat payer and am in foreclosure. I am extremely upset by their actions and need them to fix this matter as soon as possible. Please reach out to them and help me get this rectified. I just want this problem that I did not create to go away and move on with my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: DISCOVER BANK
State: CA

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days late as of XX/XX/XXXX 30 days late as of XX/XX/XXXX 30 days late as of XX/XX/2018 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-04-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Credit Karma, LLC
State: AL

Complaint narrative:
I viewed an hard inquiry on my credit report from XXXX Dated XX/XX/2018. Couldn't track down the address or who to contact. According with the Fair Credit Reporting act I am requesting that they met and demonstrated that their hard inquiry for XXXX XXXX met the requirements, pursuant to the Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-07 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: MN

Complaint narrative:
My student loans were transferred from Navient to XXXX XXXX on XXXX XXXX XXXX as part of my enrollment in the XXXX XXXX XXXX XXXX program. In this transfer, the history of my payments, and which repayment plan each payment was made under, was lost. I contacted Navient on XX/XX/XXXX by phone and an employee was able to give me a detailed summary of each payment I made and the repayment plan the payment was made under while my loans were serviced by Navient. However, this information has not been provided to me in writing and has not been provided to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days Late as of XX/XX/2018 30 days Late as of XX/XX/2018 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
I am filing a complaint against Bank of America Alaska Airline Visa. The nature of my complaint stems from a fraud report and reversal of the decision by the Visa company to hold me harmless for those charges. On XX/XX/2019, I was at a local middle school conducting a classroom observation as a part of my job. I was at the school from XXXXXXXX XXXX to XXXX XXXX working with the teacher and her students. I had put my briefcase that contained my wallet under the XXXX desk and conducted my business in the classroom. I left the school at approximately XXXX XXXX and stopped at a gas station to purchase fuel. When I opened my wallet, I found that the Alaska Airline Visa card, XXXX XXXX Visa and my XXXX card were all missing. I immediately called all 3 credit card companies to report the loss and was assured that the card was blocked. I was also told that my Alaska Visa had 2 charges on it, one for {$930.00} and one for {$760.00}. These charges were made at XXXX. I was assured that because I reported immediately, I would not be responsible for those charges. Two months later, those 2 charges were placed back on my credit card without a call nor an email. I immediately called Alaska Airlines Visa to ask what happened and they said that I " benefited from the charges '' and blithely asked if I " wanted to reopen the case. '' I was dismayed and angry and started my own investigation. XXXX was very helpful to conduct research to find that the {$760.00} charge was for XXXX XXXX made at XXXXXXXX XXXX and the {$930.00} for a handbag and XXXX shoes made at XXXX XXXX. I am an educator in the public-school system. I do not purchase bags for {$650.00}! I have never spent that kind of money on a handbag and do not even carry a handbag. You are welcome to call XXXX to inquiry about my spending history to confirm. The bigger insult is the {$760.00} for the XXXX shoes. I have severe XXXX in my feet and could not fit my feet into these shoes if I wanted to. I can get you a doctor 's note to that effect. I am livid that I am accused of benefitting. This credit card company is taking advantage of me. I made the call within one hour of the purchases to report as I was required. I have witnesses that I was at the middle school during the time of the purchases. I am deeply insulted that I would be thus accused when I was the one violated. Both XXXX and XXXXXXXX XXXX honored the fraud expenditures by holding me harmless of the charges. We have been with Bank of America for over 30 years. I would expect to be treated with more dignity and respect. Please let me know if you require confirmation and witnesses of the above report. Alaska Airline Visa needs to be exposed for taking advantage of a senior citizen.

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 2019-04-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: VA

Complaint narrative:
On XX/XX/2019, I received my XXXX mortgage statement. It alleged that I owed for 3 months ( {$2800.00} ), and that due to an incomplete payment, my last payment at the time of this mailing, was in a suspense account. 
This dollar amount was {$960.00}, but as my normal mortgage payment has NOT changed, and my normal payment as of XX/XX/2019 is {$960.00}, this is incorrect. 

On XX/XX/2019, I was able to get through to customer service and a representative for the company said that he saw where the error was. He said that " Corporate Advance Fees '' had been added to my mortgage payment, and that the computer read this as my payment being incomplete. He said it was a computer glitch, and that Bayview would send a corrected statement on Tuesday XX/XX/XXXX, to show that I only owed for XXXX and XXXX. I asked if he could take my XXXX payment over the phone, and he said that he could and then the XXXX statement would be resent to reflect that I only owed for XX/XX/2019 and going forward. 
I waited a week to file this complaint, as I fully expected to have the corrected statement in my hands no later than XX/XX/2019. On Friday, XX/XX/XXXX, I called Bayview again to ask about the status of my concerns and I was told by this representative ( not the same as before ) that she could see in the notes that there appeared to be an error in my payments, that she could see that I'd paid more than my required payment for XXXX, that she could see that I'd made my XXXX payment, but that she didn't know why a new statement had not been sent out. 
This is very concerning to me as VA is a non judicial foreclosure state, and when a payment is held in a suspense account it appears as though the home owner is behind on payments. I have been in my home 29 years and 7  months, and I have NEVER failed to make a full mortgage payment within the month that it is due. 

I make my payments over the phone toward the end of each month because when I was mailing in my payments, Bayview would delay processing my payments for as long as two weeks. Since I am in an active Chapter XXXX Bankruptcy, no late charges are allowed to be added to my mortgage payment if it is late, but I understand that once my bankruptcy is discharged, my payment will need to be processed no later than the XXXX of each month to avoid late fees. 
I am paid twice monthly, and by paying the mortgage toward the end of each month I'm able to fulfil my other financial obligations that must be paid prior to the XXXX of each month.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days Late as of XX/XX/2018 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

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 2019-04-07 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days Late as of XX/XX/XXXX 60 days Late as of XX/XX/2018 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

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 2019-04-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: AR

Complaint narrative:
I have an issue with XXXX. The payments I and my wife are setup on are mostly manageable. The problem I have is that the plan they have me on does not even cover the interest accruing. Why would they put me on a plan for repayment when the loan is only growing over time? I know that XXXX loans are forgiven after XXXX years. This will leave us with well over $ XXXX in forgiven loans. That seems great but Ive learned that the IRS considers forgiven loans as income and is taxed that way. Why would the government put us on a plan that seems like a great deal only to burden us in our XXXX with a insurmountable tax bill? Anyone that has owed the irs any considerable amount of money knows how terrible that is. Forgiven student loans should not be considered income after paying on them for 25 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-07 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: MN

Complaint narrative:
I am enrolled in the Public Service Loan Forgiveness program and currently under an income-based repayment plan. In calculating my eligible payments for PSLF, XXXX is not counting payments that I made prior to being enrolled in PSLF when I was not enrolled in an income-based repayment plan. However, the payments I made prior to being enrolled in income-based repayment plans required much higher monthly payments than my monthly income-based repayments ( sometimes triple the cost ). I have contacted XXXX multiple times, including on XX/XX/2018, XX/XX/2018, and XX/XX/2018. XXXX has been unable to explain to me why these high payments would not count as eligible payments, despite the fact I was not enrolled in income-based based on the advice of my prior loan servicer, XXXX XXXX ( XXXX ). I have my federal tax forms from every year to prove that my calculated income-based payments would have been significantly lower than the repayment plan I was enrolled with at the time. 

Furthermore, I have contacted XXXX a year ago ( XX/XX/2018 ) to request that my payments be reviewed in more detail, and this has still not been done.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-07 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: AL

Complaint narrative:
I updated the automatic payment information with our mortgage company to automatically withdraw {$390.00} from our bank account. I received an email notification on XX/XX/18 that the information was updated. Somehow, the automatic payment information was removed from our account by the mortgage company and we were not notified. We received no email messages or phone contact from the company until, on XX/XX/18, I was informed that we were in collections. We paid the overdue mortgage of {$800.00} on XX/XX/18 even though the error was not on our part. The mortgage company refused to remove the collections report from our account, even though we submitted the exact same information for the automatic draft and have had no issues since.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-07 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: WV

Complaint narrative:
I received a copy of my credit report and found the following item ( s ) to be errors and are possibly a result of fraud or identity theft. 

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), XXXX must complete this reinvestigation within 30 days of receipt of this letter. 

Equifax has ignored my investigation as I demand response.

Company response to consumer: Closed with non-monetary relief