vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-10-14 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: First Credit Services Inc.
State: NJ

Complaint narrative:
On XXXX XXXX, XXXX, I enrolled my son in a mixed martial arts program and signed a billing agreement with XXXX to make monthly payments until XXXX XXXX, XXXX. 
Roughly two months into the program, my son decided he did n't like the instructor nor the classes and stopped attending XXXX. I spoke with XXXX and they refused to let me out of the contract, so I continued paying the monthly fee ( a total of over {$1000.00} ) even though my son was not taking the classes anymore. 
In XXXX XXXX, XXXX went to the doctor for an unrelated injury, and the doctor ordered him not to participate in any physical activity until after XXXX XXXX of that year. Realizing that we now met the cancellation terms of the XXXX contract, I immediately notified XXXX and XXXX of the doctor 's orders, and attempted to cancel the contract. The only requirement left was to submit a " XXXX '' which I needed to obtain from them so my letter requested that they contact me immediately if I needed to do anything else to compete the request. I NEVER heard from them so I filed away my paperwork, assuming the matter was concluded. 
XXXX XXXX I received a " Default '' letter from them which prompted me to immediately contact them and remind them of my cancellation notice. They then told me that since my son 's physician did not complete a " XXXX Form '', they would not cancel the contract. We then went back and forth over this issue a few times, and I was receiving so many phone calls from them at all different times of day, it was interfering with my job. We were clearly at an impasse and I became frustrated so I told them not to contact me anymore. 
Suddenly, after 2 years of no contact, I have been receiving daily phone calls from First Credit Services, ( XXXX, XXXX XXXX XXXX, XXXX, NJ XXXX ) attempting to collect over {$1000.00} from me for non-payment of this account. According to them, if I do n't pay them immediately, they will severely impact my credit. I have not received anything in writing from them, just the daily phone calls. I am at a loss at this point and do n't know what to do. 
I believe that I fulfilled the terms of the cancellation with the exception of submitting a " XXXX '' but they never sent me one to fill out. I also believe that their insistence that my son 's doctor complete a " XXXX Form '' is not a required component of the contract I signed. form. I respect the sanctity of the contract, but I also do not want to give them anything that I did not agree to. 
I would appreciate any assistance you can give me resolving this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-11 00:00:00
Product: Credit card — 
Issue: Other fee — 
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
i hate doing this. it makes the bank mad and at a tough time for me it takes time. i have emailed XXXX at least twenty times about this issue they seem to have the money to pay people to just secripting me to death. you will have this resolved blah blah spending more money to pay peoiple to send it then to refund me the dollar i ask for in interest DESPUTE its valid and its been returned before. please dont come back with that answer. i have heard it before i have millions of medical debt for my son and a ; lease on a home i own that was defaulted i dont need problems over a dollar. Red tape and bureacracy really impersonalizes the banking industry. I have had to suspend my use of the card. please refund without a script. XXXX forgives my balance. i am a GOOD customer i want loyalty and am tired of scripts. you have spent more sending me scripts in the last 30 days then it would cost to refund me. PLEASE dont send credit card agreement not asking dont need. just need my dollar back please. this whole thing is demoralizing and time consuming.

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 2017-01-17 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem with fraud alerts
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I was informed by XXXX after placing a request for XXXX through there online app that their was a freeze on my credit report. Upon receiving this information I spoke with 1 customer service rep ( who was rude ) and 2 supervisor 's in an attempt to correct an error in which on XXXX/XXXX/16 I had request for permanent removal of the freeze. No one assisted me in the error that Equifax caused. I continued to be informed that I had to pay another XXXX in order to get it removed after I already paid on XXXX/XXXX/16. The way in which they speak to the customer is an attempt to confuse them which is no professional nor ethical.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-08 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
This may not fit under your " Credit Card '' category, but several months ago I purchased tennis shoes from XXXX XXXX and paid by credit card. During the process of check out I was asked if I wanted to sign up for the XXXX royalty card, and I said that I would. The cashier than began to tap through several menu options that appeared on the credit card machine that I was unable to read. A week or two later I began to receive charges on my credit card statement for a XXXX XXXX subscription, that at NO TIME during the checkout procedures was I asked about, let along agreed to. I believe the cashier must have clicked accept on my behalf without my knowledge during the checkout. I have searched online and have seen this happen at other stores as well. I believe XXXX XXXX may have a passive policy in place encouraging this type of behavior, perhaps other retailers as well. I think the CFPB should advocate for legislation, or develop a regulation, that would equate this type of behavior, signing customers up for unwanted products at checkout without their knowledge, to identity theft.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-07 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
hard pull without my consent please remove hard pull for XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-22 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: Clarity Services
State: TN

Complaint narrative:
I submitted detailed information asking the company to delete a credit inquiry from XXXX done on XX/XX/2015 and they sent a packet requesting more information.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-10 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I ca n't get my score anywhere not even XXXX why?

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 2017-03-29 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
XXXX and Experian keep adding XXXX accounts from XXXX, XXXX, XXXX, VA XXXX to my credit file. I have disputed those XXXX accounts numerous times, they have been removed but months later added again. I also contacted XXXX directly requesting detailed information on how they have obtained my personal info and never heard from them. I 've called several times but was told they can not give information over the phone. 
Those XXXX accounts are not mine, nor do I know who XXXX, I never dealt with them, never gave them my personal and private information yet for some reason they have my info and keep submitting to my file. 
I need XXXX and experian to deny their requests of adding this to my file or provide proper information who they are and why they accept information from someone I have no business with.

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 2016-09-01 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I was the victim of a identity theft. Once I became aware of the situation I notified my bank and filed a report with the FTC. Initially, the bank refunded the fraudulent charges but they have since taken back the credits and closed my accounts. They still owed me {$1500.00}. Then they accepted a deposit from my employer after my account was closed and are refusing to give me this amount as well. I filed a police report in XXXX, XXXX and also in XXXX XXXX. I was contacted by the detective in XXXX today ( XXXX/XXXX/16 ) and was told that they have the suspect in custody. He had the forged identifications in his possession at the time of his arrest. We have been going back and forth with the bank for 2 months to get this issue resolved. At this time, they are showing that money is owed to them by me from the fraudulent charges. The manager at the branch office that I have been working with is now telling me that they are too busy to help me further. I have submitted copies of both police reports and the FTC report to the bank and they are still not willing to resolve the issue.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-05-19 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
1. We attempted to work on a new loan modification with Bank of America and then XXXX but were denied. For years, we continuously submitted document after document being requested only to be denied for failure to submit documents ( which was untrue ). 
2. On XXXX XXXX, XXXX, Bank of America/XXXX sent my attorney a letter stating they received our request regarding a loan modification and it was referred to a specialist. 
3. On or about XXXX XXXX, XXXX, we received a letter BOA/XXXX, stating that we were denied a loan modification " after being offered a Trial Period Plan or modification, you notified us that you did not wish to accept the offer ''. This was not true as evident by the payments made by us from XXXX XXXX through XXXX XXXX. 
4. In XXXX XXXX, we were offered and accepted a trial loan modification plan. For almost two ( 2 ) years, we were making our monthly payments from XXXX XXXX until XXXX XXXX, without a problem. 
5. In XXXX XXXX, we sent in a payment and our check for the trial period amount was no longer accepted by the bank and it was returned because it was not the full amount. This was through no fault of ours and we were baffled as to why this sudden halt in payments and in the agreement. 
6. After two years, BOA decided to stop accepting the payments from us arbitrarily and without cause. They sent a letter denying their loan modification. 
7. Since then, we have been attempting to return to their modification plan and have received nothing but a mouse chase around from the Bank of America representatives. Our intentions are to keep the home for our family. We were being considered for the Department of Justice loan modification prior to their denial. 
8. We have been attempting for years to work out a deal with the bank. Last year we attempted to work out a keys for cash deal and because we could not clear the title due to old releases not being filed by the banks, however we were unable to do same. 
9. We ca n't provide what we do n't have or ca n't get. 
10. Now we are being told that our home will be put on auction. We feel railroaded and without options other than accepting the auctioning of our 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 2016-11-15 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: Ditech Financial LLC
State: AL

Complaint narrative:
My mortgage Company is making me behind in my payments. They started holding my payments in funds in suspense balance in XX/XX/XXXX. XX/XX/XXXX statement has {$2200.00} being held. my payment is was {$1100.00} then they raised the payment with telling me why. 
It was just on my statement I was doing trile payment until XX/XX/XXXX of XXXX. 
I did all the payments but, then they made all the payments that I made in the trile pay ments back to XXXX. No letter why just changed on statement. I have a escrow that gets {$290.00} each month. They took my payment to pay my taxes. did not count it as a payment. Just put me behind more in my payments. Then they took my payment to pay my insurance. did not count my payment as a payment put me behind another payment. 
I have been trying to get a loan modification for a longtime they just keep making me do the whole package to get the loan with over. I can never talk to anyone. I leave messages no one calls me back. I am on XXXX my check is only {$XXXX} I have been trying to get a loan since XX/XX/XXXX. I never get a letter turning me down they just want more paper work that I have given them so many times they say they do n't have it. The tell me its in underwriters then they need more of the same paperwork. I have worked with them until what they are doing to me now. I make a payment they hold it in suspense. They make me behind another month. They are suppose to pay my taxes and insurance out of my escrow. Which XXXX goes into it every month. I have ask for a copy of my escrow account have not got one yet. I am being miss treated by them. They are putting me behind even if I make payment. they want to foreclose on my home I have a lot of equity in it. I have never had a mortgage company take my payments to pay what should be paid out of escrow. Then do not show I made a payment. I think they think I am to dumb to notice what they are doing. I went to XXXX out of high school. That was what I wanted to do I liked being and helping people. I got alone with everyone. But, it was not the money I wanted so I started XXXX. Still not the money I wanted. I started XXXX that was much better money. But, still not what I wanted so I XXXX. I had finally got what I wanted. XXXX. I always worked as hard as I could. When I was XXXX I worked everyday day light to dark. I wanted to be able to stop working while I was young enough to enjoy life. As I was XXXX I met this man I thought I knew. But, I did n't he just wanted what I had worked my whole life for. XXXX. XXXX. that is why I am XXXX now. all my hard work my whole life gone. now I have to deal with a mortgage company that is not acting right. please help me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-30 00:00:00
Product: Debt collection — Mortgage
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: NATIONSTAR MORTGAGE LLC
State: TX

Complaint narrative:
Nationstar claims they are collecting a debt and or servicing a debt for XXXX as a result of transfer from XXXX. Nationstar has not provided a servicing agreement between them and the alleged noteholder. On XX/XX/XXXX, Nationstar 's counsel sent an abandonment of Acceleration referencing acceleration of XX/XX/XXXX that was accelerated by their predecessor. XXXX acceleration is irrevocable for the following reasons : 1. XXXX exercised the remedy to foreclose on the propoerty on XX/XX/XXXX. 
2. XXXX agent executed a foreclosure deed on XX/XX/XXXX. 
3. XXXX was awarded Judgment of Possession on XX/XX/XXXX. 
4. I detrimentally relied on the foreclosure sale and subsequent post-foreclosure eviction. 
5. I filed a lawsuit on XX/XX/XXXX, to stop a wrongful post-foreclosure eviction that is currently pending to date against Nationstar 's predecessor.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-18 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: CA

Complaint narrative:
On XX/XX/2012 I was awarded a permanent loan modification from XXXX. My Payments were to be $XXXX per month and I made all payments on time.
After a few months, I started receiving late notices in the mail. I started an investigation with XXXX as to why I was receiving late notices and before the investigation was concluded, my servicing was sold to XXXX. 
I notified XXXX of the investigation with XXXX and they found the reason I was late was that XXXX had applied my first modification payment to my escrow account in error. Before that investigation could be finallized, my servicing was sold to Nationstar. 
I started an investigation with Nationstar to correct this and they told me their accounting is correct and I am 1 month behind on my payment, when I sent them proof of every payment ever made. They also added back on $XXXX to my principle that was forgiven as a result of the modifications stating I did not receive the foregivness after all because I am delinquent. 
I need help from someone that can do something about this. They have ruined my credit and cost me $XXXX because of bas accounting and laziness in looking into this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-23 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: NATIONSTAR MORTGAGE LLC
State: SC

Complaint narrative:
Nine months ago my loan was modified. I have made monthly payments since then, which all are reflected in statements. However, despite my numerous requests, the servicer which handled the modification has yet to send me a copy of the modification document with the proper signatures for the lender on it ( I have a copy with only my signature ), nor has it recorded this loan at the Register of Deeds for my county and, importantly, it has not yet recorded the satisfaction of the loan which this one replaced. 

The servicer is Nationstar. 

I first asked for a modification, in writing, in early XX/XX/XXXX. I was current on payments and my credit score was excellent. I was then asked to submit repeated applications for HAMP, the process for each application being extended by their requests for an additional piece of information every week or two - until two to three months elapsed - and then being told that the initial application was " out-of-date '' and I would have to submit a new one. This occurred about 12 times over a 30 month period. 

Eventually, I sent a XXXX letter to the CEO and several months later recieved the offer of a modification - with mathematical and other errors in it. After I did the math for them, they sent new paperwork, I signed and returned it XX/XX/XXXX, and was notified of the new state of my account and began to make payments. 

I believe it is my legal right to have a copy of the loan with this modification, to have the modified loan recorded legally, and to have the document with the previous loan terms be recorded as satisfied or whatever would communicate publicly that it is no longer valid, and to have these matters accomplished in a timely manner without further harming my credit rating. Almost 10 months have passed with none of those being done, even though I have asked repeatedly for them to do so. 

Nationstar has also blocked me from using my online account for payments because I am pursuing a remedy in the courts for the violations of my rights and damages done to my credit rating. I believe that blocking is a violation of my rights as well. 

Note : the question below - which part of the mortgage process is my issue related to? - does not have an option that exactly fits my situation. I chose " signing the agreement '' because I have not received a copy with their signatures on it, even though I have been making payments and have statements reflecting the modified amounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-28 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC
State: CA

Complaint narrative:
In or about XXXX XXXX, I was XXXX which XXXX. The boat that I was riding on for this XXXX race crashed and I XXXX, which left me unable to work. I was able to obtain a reverse mortgage with Champion Mortgage at the time. I was responsible to keep up with the property taxes. I fell behind on my taxes with Champion and they were gracious enough to allow me to pay {$210.00} per month until the {$7600.00} was paid off. I executed a contract with Champion. After making two payments to Champion, the loan was transferred to XXXX. XXXX refuses to acknowledge the payment arrangement I had with Champion and is now threatening to foreclose on me. Two weeks ago when I called, I was informed that to avoid foreclosure, I would have to pay a lump sum of {$7600.00}. I sent XXXX a chashiers check and they refused to cash it. They are claiming that they paid over a XXXX on XXXX XXXX, XXXX for my property taxes. However, I had paid the property taxes on XXXX XXXX, XXXX. I borrowed the money to pay off the balance DESPITE the fact that I was on a re-payment plan with Champion and XXXX refuses to acknowledge. Now, XXXX mistakenly paid property tax which I already paid and they are refusing to stop the foreclosure process even though I jsut gace them a LUMP sum of {$7300.00}. Not only is XXXX acting unreasonably but they are violating the agreement I reached with Champion. Now they are going back on the amount stated to me that needed to get me out f foreclosure, I am XXXX I am over XXXX years old,, I am current with my property taxes and I just gave XXXX a check for {$7300.00}. They made the mistake of paying a property tax in addition to what I paid. I am on a fixed income and I can not give them the extra {$1000.00}. Please tell them not to treat old and XXXX people in this manner. They could easily have worked with me so as to avoid foreclosure they have a lump sum of money and they want to throw this old and XXXX man on the streets when I have complied with every demand. Why is Chamption allowed to enter into a contract with someone like me then when the loan is transferred, isnt it Champion 's duty to make sure the new owner of the loan is aware of the contract entered into with them. Please force Champion and other lenders dealing with old people to make sure they handle the loans properly and to ensure that if they enter into a contract the new servicer or owner also ABIDES by the contract. Please help me XXXX bless you.

Company response to consumer: Closed with explanation