vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-12-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: MS

Complaint narrative:
My complanit is Ditech Financial about my mortgage payments. In XX/XX/XXXX I file a chapter XXXX at that time my mortgage was current in XX/XX/XXXX. After that my mortgage payment were applied to the company for post payments. In the process I sent in multiple payments to stay ahead. My regular house note is {$440.00} sometimes my mortgage be {$440.00}. I asked why my mortgage change, they replied that I had to pay for multiple inspection. After that Ditech sold the mortgage to XXXX XXXX XXXX. I contacted the new mortgage company which were XXXX XXXX  in XX/XX/XXXX to check on payments, at that time XXXX XXXX  said my mortgage was current. I were told they were waiting on Ditech to forward the payments over to them. Which XXXX said it was taking longer than expected. I call the mortgage company back to see had Ditech post the payments to the account. XXXX rep said the payments were applied. Ditech told XXXX that the last time a payment was make it was XX/XX/XXXX. At that time I knew that was incorrect, I call Ditech to see what happen to the XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX payments.I was informed by Ditech rep they see the payments but {$1000.00} went to legal fees and there were other advance payments made from my mortgage payments. I were never told about any advance payments until I check with Ditech about the missing payments. My mortgage is behind due to Ditech applied funds to their advance accounts without my knowledge. They charge my account late fees.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
In XXXX 2017 I asked for mortage assistance. I completed the paperwork with a home XXXX. They asked for several documents that were provided. They insisted on using the automobile declaration page as residence verification. I explained to them that the auto insurance was in my spouse 's name and we maintain XXXX separate residence. But they insisted on me submitting this as verification alone with a letter explaining the circumstances of address differences. Upon receiving this the modification was denied and an appeal was started. The rep. asked that I submit bank statements, any other documents that would prove residency and a letter explaining the difference in mailing address and permanent residence address. At this point the underwriter now had bank statements, utility bill ( current ), letter from the bank verifiying address, bill for carpet placed in the home and another letter detailing the concerns regarding residency. I also explained in the letter that during my year of unemployment I never asked for assistance but struggled to pay the mortage every month even using my entire savings and retirement funds. Again the modification was denied and the XXXX was supposed to contact me on XXXX after discussing this with his manager. I contacted the XXXX after not hearing from him by XXXX. He informed that this manager was out sick and he would speak wth her and contact me early today on XXXX as of XXXX I have not heard from the XXXX or received an email.I have again left him a message. The reason for the constant denial is because I have a different mailing address from my permanent address ; however XXXX years ago I received a modification and this was the same status at that time. I now feel that Wells Fargo is denying my modification unfairly since I have submitted everything requested. The rep keeps saying they need more paperwork but there is no specific paperwork being requested other than those that were already submitted.I have asked to speak with the underwriter or a supv over this dept but the rep has no information to provide regarding 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 2017-12-05 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
Okay, here is the deal, the bank is XXXX XXXX. I complained to them about the treatment of me. If I am just a little late, they charge a late fee, but not just for the month I am late, for months after that. Then, because I complained, they lowered my credit they are extending me. I complained about the way they were singling me out. I have never NOT paid them, and then to get back at me ( because that is the only explanation for it, I can see ), they lowered my credit even more without telling me, just because they could. If I had the money to pay the whole thing off, I would, but I am one of the working poor. I do pay my bills. I do not deserve to be treated this way. I want them to back off, and I want my credit back.

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 2017-12-05 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: WAKEFIELD & ASSOCIATES, INC.
State: OH

Complaint narrative:
I had XXXX back in XX/XX/XXXX. I was on on parents medical insurance and didnt think much about the bill. Turns out, my parents medical insurance for me did n't work because it was n't properly filled out at the Hospital. I did n't even know I had any medical bills to pay until I checked XXXX XXXX in XX/XX/XXXX. I never received a letter, phone call, or any type of notification to pay this bill from the Hospital or Debt collector. They put a derogatory mark on my credit and knocked it down over 100 points. If I knew I even had a bill, I would 've paid it to avoid the hit on my credit.

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 2017-12-05 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Fees charged for closing account
Company: BANK OF THE WEST
State: CO

Complaint narrative:
In XXXX, I tried to open a credit card with my bank ( Bank of the West ). I had no credit history, so they suggested I take out a loan ( that I did not need ), and pay it back to build credit. They would n't give me the loan either, without me putting the full amount of the loan in a CD to use as collateral. I saw this as a way to pay money to the bank to build credit, and reluctantly agreed. 

This year ( XXXX XXXX, after the full term of the loan and the CD, I tried to close the CD, only to find that it had been automatically renewed and I would n't be able to withdraw the money until XXXX, unless I paid an {$80.00} fee. The manager explained to me that a letter had been mailed and that after the letter was sent out, I had 15 days to physically come into the bank and close the account. I have a couple major issues with the way this transaction occured : 1 ) It was not clearly communicated to me in XXXX that the XXXX would automatically renew, and even if it was, this is an absurd practice. Clearly, as the CD was only used as collateral for a loan and generated essentially zero interest, I would not want to renew the CD.

2 ) I was not able to use online banking to close the CD, and the reminder was sent to an old address. Although I had updated my addresses for my checking account and credit card, the reminder was sent to the old address, guaranteeing that I would not see it within the 15 day time period. There was also no email or electronic communication. If I had been able to close the CD online, this might have been avoided.

3 ) The manager at the local branch told me that I " need to take responsibility for my accounts '' even after she said people in my situation came in " all the time '' wanting to close their CDs that had been automatically renewed. If this is happening " all the time, '' maybe it is time to change the practice.

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 2017-12-05 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: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
1. I opened a business credit card account with Chase Bank for a small XXXX service organization called XXXX ( XXXX XXXX XXXX XXXX XXXX ) in XXXX or XXXX. 

2. Transferred everything in the business to XXXX XXXX, the new director of XXXX, in person, with him present, at the XXXX ( XXXX XXXX ) branch of Chase Bank. Left the business and the state in XXXX XXXX. 

3. In XXXX, I received a notice indicating that I was still a responsible party on the XXXX credit card and owed some money. After a great deal of talking, emailing, FAXing and US mailing of documents, including to and from XXXX XXXX, and the bank 's fraud department, all of which Chase now denies ever happened, I was ASSURED that I was no longer responsible for the credit card account. This was confirmed since there was no further discussion of my owing anything. 

4. Now, two years later, I am told that I owe over {$3000.00}, that I am delinquent in payments I knew nothing about and the card is now revoked. XXXX agrees that he owes the money, fell behind on the payments and states that he was NOT aware that I would be held responsible. The bank continues to repeat the party line that there has never been any communication and that I am responsible and liable for anything on the card.

5. My credit rating, built up over many years of careful management, plummeted from XXXX to less than XXXX, and now hovers around XXXX. 

6. I was in the process for several months of buying the condo that I rent, through a veterans ' specialty realtor, and now the process is completely stalled. I may lose the opportunity and have to move into another rental.

7. I am a XXXX-era veteran with XXXX XXXX XXXX. Some of symptoms preclude me from being organized and keeping thorough records, even on computers. I do n't believe Chase Bank has the same problems. I believe they have known full well that I am no longer the signatory on that account, are lying in order to get paid and do n't care if they ruin my credit or my life. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-05 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: CA

Complaint narrative:
my XXXX XXXX account ending in XXXX has no delinquency ( must not have any ), i have disputed this with the creditor and they have fixed this problem and removed the error, therefore the bureaus must remove this as soon as possible, i need have this removed as soon as possible and they are giving me a very hard time, XXXX XXXX letter ( attached ) specifically mentioned this error, i need your help to have the bureaus remove this inaccuracy thank you

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 2017-12-05 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC.
State: NC

Complaint narrative:
I have been a full time student since XXXXXXXX 2017, returning to XXXX XXXX University for graduate school. Since enrolling I have continually attempted to place student loans in deferment with Navient. All request have been denied due to being in a " modified rate program ''. I have sent multiple request via fax, email and their online portal. All request have either been denied or unacknowledged. Since the payment was manageable at the time, I continued to make on-time payments to Navient. However, I recently received notification that the " modified rate program '' that I was enrolled in would be expiring. The email stated a needed to submit an updated financial statement to continue the program I was enrolled in. The email provided a link to the form which needed to be completed. I submitted the form to Navient via email to continue the " rate reduction program '' and never received a response. Now the " rate reduction program '' has ended and my monthly payment has doubled. As a full time student the  payment is no longer manageable. Navient continues to deny placing the loans in deferment and has not responded to my request regarding a lower payment option.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
On XXXX XXXX, XXXX, a person named XXXX XXXX accessed my checking account and conducted 3 transfers from my account to her account. This person added themselves as a member to member payee on XXXX XXXX, XXXX at XXXX XXXX. At approximately XXXX XXXX, the following transfers were conducted to that persons account, {$280.00}, {$580.00}, and {$1500.00}. My spouse noticed the transactions around XXXX XXXX and we contacted Navy Federal Credit Union. Shortly after XXXX on the XXXX of XXXX we filed a claim with the fraud department, this claim would not be posted until XXXX XXXX on the XXXX. I spoke with a service representative around XXXX XXXX on the XXXX and they informed me that once the claim was assigned an investigator they would have 10 business days to complete the investigation and provide their findings. I called back on XXXX XXXX, XXXX and they informed me that an investigator had been assigned on the XXXX. We have called multiple times within that time frame and have not received any updates as to the projected completion of this investigation. I called this morning, which is 12 business days after the assigned investigator, and they informed me that it would be until the middle of next week until it would get completed. I am currently working on a written notice to Navy Federal Credit Union informing them that i require additional information and updates. During this whole situation they have not contacted me or my spouse to update us.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-05 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: TriVerity, Inc.
State: GA

Complaint narrative:
On XXXX XXXX, 2017 a person name XXXX from C U Recovery , Inc. called my place of employment. When I asked where she was calling from she refused to tell me and asked me why I was screening my calls. She said she was going to call me back at my job and hung up before I could say anything. She had called a few minutes before this call and I sent it to my voicemail. She did not leave a message. I posted a message on their website stating that they are violating the Fair Debt Collection Practices Act by continually calling my place of employment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
my XXXX XXXX account ending in XXXX has no delinquency ( must not have any ), i have disputed this with the creditor and they have fixed this problem and removed the error, therefore the bureaus must remove this as soon as possible, i need have this removed as soon as possible and they are giving me a very hard time, XXXX XXXX letter ( attached ) specifically mentioned this error, i need your help to have the bureaus remove this inaccuracy thank you

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 2017-12-05 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: CA

Complaint narrative:
my XXXX XXXX account ending in XXXX has no delinquency ( must not have any ), i have disputed this with the creditor and they have fixed this problem and removed the error, therefore the bureaus must remove this as soon as possible, i need have this removed as soon as possible and they are giving me a very hard time, XXXX XXXX letter ( attached ) specifically mentioned this error, i need your help to have the bureaus remove this inaccuracy thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Consumer Portfolio Services, Inc.
State: KY

Complaint narrative:
I opened my auto loan with Consumer Portfolio Services in XX/XX/XXXX. I made my first payment in XX/XX/XXXX. As of today, XX/XX/XXXX, there have been 18 monthly payments made at {$500.00}. This totals {$9000.00}. In that same 18 month period, {$6400.00} has been applied to the interest on the loan and {$2500.00} has been applied to the principle. Somehow, 18 monthly payments on a {$17000.00} auto loan has reduced the principle balance to {$15000.00}. I would like the CFPB to investigate this. I can not figure out any way where 71.9 % of all payments should be going to interest while 28.1 % go to the principle. This car will never be paid off if that is the case.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: GA

Complaint narrative:
They replied to my first complaint and removed the item, it is put backed on my credit file. 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 2017-12-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC
State: FL

Complaint narrative:
***PLEASE NOTE THAT NATIONSTAR/MR COOPER HAS STOLEN MY XXXX PAYMENT*** THEY WERE TOLD TO PROPERLY CREDIT IT ON THE PHONE AND REFUSED IN VIOLATION OF LAW ... THIS IS RECORDED ON XXXX XXXX 'S LINE*** > > > NATIONSTAR HAS CONFIRMED LOAN ORIGINATION FRAUD > > > NATIONSTAR HAS CONFIRMED LOAN ESCROW FRAUD > > > NATIONSTAR HAS CONFRIMED COMPUTER FRAUD > > > NATIONSTAR HAS CONFIREMD ADDING ILLEGAL FEES > > > NATIONSTAR HAS CONFRIMED THEY DO NOT HAVE THE PROPER LOAN DOCUMENTATION ***NATIONSTAR HAS FURTHER CLAIMED THAT THEY ARE ABOVE THE LAW AND THEY DO NOT HAVE TO COMPLY WITH STATE OR FEDERAL LAWS*** QUOTE FROM THEIR RESPONSE ON THESE ILLEGAL ACTS THEY HAVE CONFIRMED " At this time the account is current and due for XXXX XXXX, 2017. After completing our review into the aforementioned issues we determined that  overall, there were no errors on our part. '' IN ADDITION, NATIONSTAR HAS LIED ABOUT A FORECLOSURE THAT THEY SAID WAS NOT HAPPENING, THEY HAVE ALWAYS FAILED TO PROVIDE MONTHLY STATEMENTS, AND THEY ARE ALL STILL REFUSING TO COMPLY WITH ANY LAWS

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I have 2 separate cases with Capitol One. The first being card acct XXXX. I was always on time with my payments. When I made a payment with my XXXX XXXX card it was n't until 2 weeks later that I was informed via email that the payment did n't go through. I had no idea as to why because it was not a matter of insufficient funds. So I called and the rep thought maybe it was some sort of tech issue. She then proceeded to take my payment info to reprocess the payment. It all went through and I was given a confirmation number. Then 2 weeks later I received another email stating the payment had n't went through. I called again and was told that they could n't process XXXX XXXX cards. Fine time for them to all the sudden know this. Nonetheless I had XXXX XXXX send a paper check which is another service they offer. Capitol One claims they never received it. I called again and this time I have a 3 way with Capitol One and XXXX XXXX. The XXXX rep explained that the check should have been there on a certain date, however he was now giving another date to the Capitol One rep who  noted everything. This whole thing started to appear orchestrated, So it placed me behind things got screwed up with the domino effect. Then CO restricted my card and said I would have to pay XXXX to get the restrictions removed. I did that but they reneged. I told them to close the account but they kept it open I was not going to pay anymore interest on a card where I did not have services. I was willing to pay my balance but they kept increasing the amount. So I filed a complaint but nothing came of it. At this point I want the balance cancelled because they will not put it at the amount that it was when I closed it. 
The 2nd case is account XXXX I have always been on time with my payments. Then they jacked up my minimum payment of XXXX to XXXX. So I sent a money order for XXXX to get it paid off and close it. Capitol One claims they never received it. I filed a dispute and they credited my account. However they took the XXXX back off despite having cashed the money order claiming they still had not received it. I contacted the post office and the money order company-XXXX XXXX. They sent me a letter confirming the the money order had been cashed. I have sent Capitol One a copy of this letter. Yet they still have not resolved the issue. I called ( as I 'm fed up with having to call ) and requested that the supervisor email me, i have not received any contact. As far as I can see this has been orchestrated to ruin my credit even more,. What they are doing is illegal even criminal. I want this balance cancelled as well. I 'm done with Capitol One.

Company response to consumer: Closed with explanation