vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-02-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: MA

Complaint narrative:
In XX/XX/2019, we had closed on a new mortgage for our property in XXXX XXXX, MA. The closing went fine and the initial mortgage was set up properly with the broker that we had used - XXXX XXXX in XXXX, MA. 

XXXX sold the mortgage to NewRez LLC shortly after the mortgage closed. The mortgage was transferred over and we got all of the new account information. And we continued to make our monthly payments on-time. 

On XX/XX/XXXX, I got a call from the Town of XXXX informing me that my property tax had not been paid and was past due on XX/XX/XXXX. 

Upon doing some research, I discovered that NewRez had the property address incorrect on the mortgage account. Instead of correctly noting - XXXX XXXX XXXX, XXXX XXXX, MA they had my primary residence listed - XXXX XXXX XXXX, XXXX, MA. This error in the NewRez system created a number of problems for me : 1. NewRez did not pay the property taxes out of the funded escrow account 2. NewRez had sent out 1098 tax forms with the incorrect property address listed 3. NewRez had contacted XXXX XXXX insurance to change my homeowners insurance with the incorrect mortgage accounts. 

I have called NewRez a number of times ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) to make them aware of their error and work to get everything corrected. To date the only change they have made is to list the correct property address on the account. 
I am still waiting for them to : 1. Pay my property taxes ( now 22 days late ) 2. Send me corrected 1098 forms so I can file my taxes 3. Have a supervisor call me to inform me why this problem occurred in the first place. I have asked for a callback now 3 times and each time am promised that I will get a call within 24-48 hours with no response Throughout the process of trying to get them to correct their system errors, I have spent hours of my own time, I have been routed to the wrong agent multiple times, I have been been given incorrect information, and I still have not received a call from a supervisor. 

Please help to get NewRez to do their job and service my loan correctly.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-25 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have sent the letter to dispute the accounts listed on XX/XX/2020 and delivered on XX/XX/2020 and asked to respond within 30 days but the credit reporting agency Experian never responded or opened any investigation regarding the accounts disputed.

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 2020-02-25 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Lending Club Corp
State: AK

Complaint narrative:
Lending Club made an unauthorized withdrawal from my checking account in the amount of {$19000.00} on XX/XX/2020. I called Lending Club on XX/XX/2020 and their representative told me that she would send my complaint to their treasury department, but that she could not guarantee the they would return the money. I called Lending Club again today and the phone call ended with a " supervisor '' named XXXX, who insisted that they would not reimburse me for the unauthorized withdrawal and that I was responsible for any fees from the creditors to retrieve the money. I point out to XXXX that Lending Club did not deposit {$19000.00} into my checking account and I did not authorize Lending Club to withdrawal {$19000.00} from my checking account. The call ended after 1 hour, 18 minutes and 45 seconds. To date, I have spent more than 3 hours on the phone with the Lending Club over their fraudulent representation. I didn't do anything wrong. I simply responded to their offer to finance a {$20000.00} consolidation loan at 16 % APR. They approved the loan for {$20000.00} at 16 % APR, but I was only loaned {$19000.00} and the actual APR was over 22 %. I cancelled the loan before any of my creditors were reimbursed. And I agreed to their terms to pay back the balance, except for any fees from my creditors.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
The accounts listed here must be removed. I reported the name of the person that misused my credit to the authorities.I have sent several complaints and these accounts still have not been removed! My name is mixed up with someone else. 

US DEPT of Ed {$0.00} Balance Opened XX/XX/XXXX US DEPT of Ed {$0.00} Balance Opened XX/XX/XXXX These are duplicate false accounts XXXX XXXX XXXX {$3200.00} XX/XX/XXXX XXXX XXXX XXXX {$9300.00} Opened XX/XX/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 2020-02-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
The accounts listed here must be removed. I reported the name of the person that misused my credit to the authorities.I have sent several complaints and these accounts still have not been removed! My name is mixed up with someone else. 

US DEPT of Ed {$0.00} Balance Opened XX/XX/XXXX US DEPT of Ed {$0.00} Balance Opened XX/XX/XXXX These are duplicate false accounts XXXX XXXX XXXX {$3200.00} XX/XX/XXXX XXXX XXXX XXXX {$9300.00} Opened XX/XX/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 2020-02-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I have contacted Equifax numerous times regarding a Bankruptcy showing up on my credit report. The dates contact are as following XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and most recently XX/XX/XXXX. I have been ignored each and every time. 

I being a spouse of an XXXX XXXX military is very hard dealing with the stress caused by Equifax. I have done everything in my power I have filed police reports notifiec social security office about being a victim of identity theft. 

I am attaching all required documentation to block this Reporting from my credit report on this complaint. This is the last request and if it is not taken care of I will be forced to take legal action for stress, time, and pain and suffering and XXXX in additional compensation against equifax. 


UNDER FEDERAL LAW A BLOCK ON THIS REPORTING MUST HAPPEN NO LATER THEN 4 DAYS AFTER RECEIPT OF THIS COMPLAINT. 

Here is the legal language " ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency ''

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC
State: CA

Complaint narrative:
on XX/XX/XXXX i open 4 phone lines plan of XXXX XXXX at XXXX. on XX/XX/XXXX, i called to XXXX XXXX to moved 4 phone numbers from XXXX XXXX XXXX to XXXX XXXX. However, one phone line was change the number, so 3 phone numbers was successful to port out of XXXX XXXX XXXX, still one phone number in it. After i receive the bill, i called to XXXX. I used to pay a 4 phone lines plan is XXXX, each phone line is XXXX. i did not use ever 1 mins in the month of XXXX XXXX why XXXX  billed me XXXX. I told the XXXX  rep, i can pay XXXX per phone line plus tax even thought i did not use the plan service because a phone number leave. The XXXX XXXX XXXX rep said he can not adjust. I paid with my credit card first. Then i asked my credit card for consumer right, so i got the money back. on XX/XX/XXXX, i got the called from Sequium Asset Solutions , LLC, I told them all situation, and said that was XXXX XXXX XXXX false. SAS, LLC rep not listen to me, because XXXX XXXX XXXX hire them. on XX/XX/XXXX, i received a letter of collection .It very hurt my credit score, so i paid it. XXXX XXXX XXXX AND SEQUIUM ASSET SOLUTIONS , LLC, BOTH COMPANY ARE OVER THE LAW OF CONSUMER RIGHT OF THE UNITED STATED OF AMERICA. WHY WE STILL NEED THE FEDERAL TRADE COMMISSION? IT ALWAYS PROTECTS BIG COMPANY AND HURT OUT SMALL POTATOES ( PEOPLE ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: NY

Complaint narrative:
In XX/XX/2020, I received a letter from NewRez ( LLC ISAOA/ATIMA XXXX XXXX  XXXX XXXX MI XXXX ) stating they were my new mortgage bank. They brought or took over my previous mortgage company XXXX. In their initial letter my mortgage was current with no late payments. In XXXX statement NewRez alleged that I owed late fees and they purchased " force insurance '' on my Co-Op apartment. The letter dated XX/XX/2020 states " our records show that your hazard insurance expired ... we plan to buy insurance for your property. '' I had previously filed complaints against XXXX XXXX and XXXX and now this company which I believe is actually the same company by the name of Shellpoint Mortgage Servicing located in XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX. Similarly to XXXX XXXX  and XXXX, they failed to understand that my Co-Op building has a Master Insurance policy which covers the hazard component of the policy they requesting. This issue was litigated by my lawyer to XXXX XXXX and XXXX  and now Shellpoint or NewRez. On XX/XX/202 at approximately XXXX XXXX  EST I telephoned NewRez at XXXX XXXX XXXX to notify them of this issue. I spoke to a female agent name " XXXX '' and explained my situation. She hung up the phone. Same practice used by XXXX XXXX and XXXX  where they simply hung up or ignored my calls. I also submitted a home owners insurance policy @ XXXX on XX/XX/2020 with no reply. I seen this movie before : they will deny he received it and buy their oown hazard insurance at a higher price. My credit rating will be harmed by their actions and they will be sued. Congress enacted the FDCPA to prohibit the [ u ] se of abusive, deceptive, and unfair debt collection practices. 15 U.S.C 1692 ( a ). My load # is XXXX.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-25 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
Dear Staff, I contacted Navient Student Loan Servicer on XX/XX/XXXX, XX/XX/XXXX, to discuss the continuing my loan payments under the 6-Month Rate Reduction Program or re-enrolling in the Term and Rate Reduction program but was told the only program I qualified for was the 6-Month Rate Reduction Program where I had to agree to a brand new 30-year payment program every six months. I was told the reason for not qualifying for the Term and Rate Reduction program was because I called at the wrong time. Each time I called and under duress reluctantly agreed to the terms my rate increased. 

Today, XX/XX/XXXX, I called to discuss the continuing my loan payments under the 6-Month Rate Reduction Program or re-enrolling in the Term and Rate Reduction Program but was told the only program I qualified for was the 6-Month Rate Reduction Program where I had to agree to a brand new 30-year payment program every six months. 
This time I asked why am I not eligible this time for the Term and Rate Reduction Program and was told Navient is not offering the Term and Rate Reduction program because " We just aren't offering to you, and I don't see where you were ever offered that program. '' I explained to the gentleman that I am retired and can not afford my rate to increase and he shared that he was very sorry but there isn't anything else that Navient can do. I asked about refinancing through their sister company NaviFi or Settling the debt and locking into an affordable payment plan since the interest accrued is double the original loan amount and with an interest rate of over 14.0 % : Loan XXXX  : Original Principal {$4700.00} Current Balance {$12000.00} Interest Rate14.625 % Interest Type : Variable Loan XXXX Original Principal {$7400.00} Current Balance {$18000.00} Interest Rate14.625 % Interest Type : Variable Loan XXXX Original Principal {$3400.00} Current Balance {$7800.00} Interest Rate 14.625 % Interest Type : Variable I am retired and I am recovering from Bankruptcy and I just need a payment that isn't going to cause me to lose my housing. I have been looking for refinancing and consolidation but I am not having any luck, yet. My only recourse is to agree to another 6 months, another 30 years, and return to Bankruptcy Court to declare undue hardship. I am only asking for Navient 's assistance to continue paying ; if I had understood that private loans were this much trouble, I would have never signed up. Please help me. 

Sincerely, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC.
State: VA

Complaint narrative:
I enrolled at XXXX XXXX XXXX in XXXX, VA in XX/XX/2009. I was recently widowed and had a young child to take care of. I spent 5 hours at the campus getting all of the information I needed to make an informed decision. I was promised by the recruiter and the Department Chair of the XXXX XXXX program that the school was accredited, and I found out after graduation that it wasn't. There was a fake accreditation certificate hanging on the wall at the front reception desk. I was promised job placement assistance. I did not ever receive any. I was lied to about the cost of the program. I was told that because of my age, XXXX at the time, and being a widow, that I qualified for scholarships and grants that would pay for almost 100 % of my costs, and the financial aid department was taking care of everything. They never applied for any assistance for me. These are just a few examples of the fraud they committed when enrolling me. My " degree '' is worthless. The school was closed for fraud and I do not feel that I should be held responsible for the debt. I was lied to for four years and now I owe a massive debt that is ruining my life. I feel that the school needs to prove that I benefited from attending, and they fulfilled all of their promises and or the debt should be forgiven. No other company or business is allowed to collect on a debt that was entered into based on fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: AES/PHEAA
State: OH

Complaint narrative:
My monthly amount has steadily gone up. Every time I contacted them, they added any outstanding balance to the principal amount without my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-25 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 — Card was charged for something you did not purchase with the card
Company: NAVY FEDERAL CREDIT UNION
State: OH

Complaint narrative:
My card had been expired for a month and I was still charged on the card. I accumulated a late charge that I wasn't aware of that brought down my score.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-25 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: United Shore Financial Services, LLC
State: FL

Complaint narrative:
i currently working on loan with purchase that is supposed close Friday XX/XX/2020. all supervisors are refusing to answer any question. Also their for reps are also refusing to transfer to supervisor. I dont know what is going on my loan. Spoke to my broker he stated he reach out to this company multiple times about same issue they refusing also to answer him. The companies name is untied wholesale Mortgage and licence number

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Waypoint Resource Group, LLC
State: TX

Complaint narrative:
During a routine check of my credit report, i noticed a collection account. I called the original company, XXXX, about it. I told them it did not make sense, because I am XXXX  at my current location. The location that was showing up on the credit report was never my address. They could not find the collection account. 

I called the collection company. The wanted my SSN, i told them no. I told them i never lived at that address, and they needed to remove it. They said they could not do anything. 

Next, i disputed with the credit agencies. I was told it was removed. However, now i see it back on my report. It is showing Waypoint

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-25 00:00:00
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Ocwen Financial Corporation
State: NJ

Complaint narrative:
THE MORTGAGE COMPANY PHH HAS : 1. STATES THAT I HAVE A $ XXXX  MONTHLY PAYMENT. 
2. STATES THAT I HAVE A RELATIONSHIP MANAGER, XXXX XXXX. 
3. STATES THAT A TELEPHONE # CAN BE ACCESSED TO DISCOVER THE PRINCIPAL BALANCE. WHICH IS FALSE.4. STATES THAT THEY WILL SOLVE THE PROBLEMS WITH OCWEN WHICH THEY HAVE NOT. 
THE MORTGAGE COMPANY PHH HAS : 1. FAILED TO ACCEPT A {$770.00} PER MONTH MORTGAGE PAYMENT. FAILED TO ACCEPT THE {$640.00} TRIAL MODIFICATION PAYMENT INXX/XX/2018 2. FAILED TO CONNECT TO THE RELATIONSHIP MANAGER, XXXX XXXX WHO IN FACT REFUSES MY CALLS TO DISCUSS ALTERNATIVES TO FORECLOSURE. 
3. FAILED TO DISCLOSE THE CORRECT PRINCIPAL BALANCE

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
I have filed a protest with the original creditor, XXXX and ask them for evidence to substantiate the validity of the debt and then a party who claimed to be an assignee named LVNV Funding LLC refused to send me any information to either substantiate the debt or information that they are indeed the successor in interest to the alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Hello I have reached out to you about items that was on my credit that I dont know anything about. Im really trying to help my son get a car and the dealership has denied me again because of this and I thought this was already handled. Please take this accounts off my credit three accounts with no name and the account numbers is XXXX, XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX I see alot of inquiries on here as well that I did not do XXXX XXXX  XXXX XXXX XXXX   XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX/XXXX  XXXX  XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have contacted the FTC and local police.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: United Debt Holdings, LLC
State: NE

Complaint narrative:
When attempting to obtain a mortgage loan, my lender notified me of an outstanding balance with XXXX/XXXX  in the amount of {$720.00} I contacted the lender on XX/XX/XXXX in an attempt to pay off the balance. They said that they were not able to take the balance from me because the balance/debt had been sold to UDH ( see below ). For all resolution, I needed to contact them, pay the balance and then UDH would send them a release letter, and then update my credit report accordingly. 

I contacted United Debt Holdings ( UDH ) at the number provided by XXXX XXXX ( XXXX ) XXXX. The recorded message on that line was that the business had closed. I searched through the internet and found that the business closed on XX/XX/XXXX. I also found several complaints on the Better Business Bureau and on the XXXX XXXX XXXX ( https : XXXX ). I filed a complaint with the XXXX XXXX XXXX on XX/XX/XXXX and was informed on XX/XX/XXXX that they attempted to contact the business, and also found that it was closed and offered no recourse for resolving the discrepancy. I have attached a copy of the response from the XXXX XXXX XXXX to this complaint. 

Based on the other complaints that are published for this company, I believe that it would have been difficult to clear anything with them. I had intentions of taking care of the debt, but have no one to contact. The other critically important pieces of this is that I was not contacted by UDH or XXXX  that the debt was sold to another agency in an attempt to clear the balance. I had not opportunity to clear it with UDH even before they went out of business. 

I believe that it should also be noted that I am currently a customer of this company, and am in excellent standing with them, and have not had any issues with this originator of the debt on my current debt. Additionally, I believe that it should be considered that they issued an additional line of credit to me, along with credit increases since XX/XX/XXXX because of my standing with them.

Company response to consumer: Closed with explanation