vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-02-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC
State: TX

Complaint narrative:
Mr. Cooper is responsible for disbursing an insurance claim settlement made due to flooding with Hurricane Harvey. My total claim is {$190000.00}, and Mr. Cooper so far has disbursed {$58000.00} including {$20000.00} disbursed only after a previous CFPB claim. I have uploaded nearly {$80000.00} of receipts for repairs done and previously Mr. Cooper would not release more that {$37000.00} of my settlement ( which represented less than my insurance advance ) until the CFPB helped out. 

I have now reached 50 % completion of repairs to my house. Mr. Cooper previously assured me that they would release 50 % of my settlement once inspection revealed that I had reached 50 % completion. This inspection was done and certified on XX/XX/2018. I have been expecting then {$190000.00} / 2 -  {$58000.00} = {$39000.00}. However, Mr. Cooper has found excuse after excuse to not release my next disbursement. Despite certifying that all of my documentation was complete in XXXX and disbursing money previously, they have overlooked updated contracts, asked me to re-upload documents numerous times, and denied requests that are based on obvious errors on their part. Every time they make a mistake and ask me to re-upload documents, it takes an additional 48 business hours to review. They have thus been able to delay for now over 2 weeks an additional release of funds that they assured me would have no issues. 

This company is absolutely preying on natural disaster victims and should be heavily reprimanded as such. By no means is my experience unique -- just do a web search for Nationstar or Mr. Cooper and see how many complaints are raised about their company. They constantly use an excuse that this is all due to " government regulation '' but no other mortgage company ( and I know the stories of dozens of my friends who flooded ) has given so many roadblocks to releasing Harvey settlements.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-09 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: Navient Solutions, LLC.
State: GA

Complaint narrative:
I have 3 separate loans on my credit report showing to be from Navient. With one late payment showing for each of them for the month of XX/XX/XXXX, in which I was not aware of. I emailed the CEO on XX/XX/XXXX and asked if the late payment could be removed, because one I was not aware that a payment was due because I was under the impression that my student loans were in deferment, and two I had to take a semester off from school because I had XXXX. Later on the same day I received a call from XXXX XXXX stating that she was going to look into the situation for me. I had not heard anything back so I emailed again on XX/XX/XXXX and on XX/XX/XXXX, I received another call from XXXX XXXX stating that the payment reporting late was not going to be removed because they sent me emails that, the payment was due. I let her know, that I never received an email and I never received any type of notification in the mail, because if I did I would have gotten the situation squared away, she then preceded to get an attitude saying that weather the emails went to spam or not she was not going to remove the late payment, and no nothing was ever sent through the mail because all correspondence was being sent to email. I then sent another email, and contacted someone else the same day and asked if someone else could look into this for me, because I feel as if the situation is not ethically right. Not one email, letter in the mail, or phone call did I receive from Navient. And now they have reported to all 3 credit bureaus that I have a late payment with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
XX/XX/XXXX Me and my husband signed an extension agreement for {$1900.00} which included the monthly payment and any late fees. Once that amount was approved my account was supposed to be caught up. The 1 month payment and all of the late fees were to be moved to the end of the loan. I called to verify that the extension was approved and I did see where they did move the payment to the end of the loan but not the fees they moved {$1300.00} to the end of the loan and made the account current and due for XX/XX/XXXX. I have a copy of the fax I will attach it. My mortgage has now been transferred to another servicer and the late fees are still on the loan. Can you see that they do indeed remove the late fees per our agreement on 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 2018-02-09 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
I do not have a contract with this XXXX  I have never signed a contract with them and I am not liable for any debt associated with this company. I have requested through all 3 credit bureaus for validation of this account with a signed contract from me obligating myself to this company and have never received from this company. I am not responsible for the alleged debt. I have asked the credit bureaus all 3 to obtain the following information. What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent and Signed contract with my signature. I have been victim to identity theft and have been victim to scams related to alleged debts that were found to not be mine so I am very proactive in validation of my accounts. I have contacted the following credit bureau XXXX  and they have reported that this account is validated and I have not received any information personally that shows validation of this account and I have requested it twice. This is my last option and then I may have to retain a lawyer to see what can be completed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Ditech Financial LLC
State: FL

Complaint narrative:
House modification info. 

I am not sure you can help us but thought I would ask. We recently attempted a modification from ( 2nd time due to medical reasons, we had been approved for first mod., but had a medical emergency happen & hence a 2nd try for another modification ) of our Fannie Mae mortgage thru Ditech . We had got behind in payments due to medical bills that came up due to a medical emergency with my husband. In XX/XX/XXXX we met their representatives for a mediation & agreed to us doing an application for a modification. Then mid XX/XX/XXXX we began a modification that was drug out for almost 5 months. All along the way, the Ditech representative reassured me that everything looked good & that we would be just fine. It was never easy to get through to this representative & we always had to leave a message. We were continually asked for documents several times, as they would claim they never got what I sent. This one representative also told me that she alone had over 1000 modification applications that she herself was processing. At the end of the XX/XX/XXXX month, the representatives phone extension became non existent & I could not even call into the company as my calls were rejected automatically by the phone co. I used a friends phone & called & asked for the lady whom I had been working with for those 5 months & she no longer existed. All along this 5 months & before that, Ditech was adding all kinds of large fees to our account. Our mortgage balance went from $ XXXX to $ XXXX.,  My husband is XXXX & receives a pension & social security. This is a classic case of American Greed in our opinion, we are the little guy being squashed by corporate America. Have you heard other stories like ours? Anything your company could help us with? I know this is a long shot but saw an ad by your company. 

Your reply would be greatly appreciated. 

Thank You!! 



Sent from my XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: STATE FARM BANK, FSB
State: VA

Complaint narrative:
My most recent call to this company was this morning XX/XX/XXXX ; I spoke with a representative by the name of XXXX and then proceeded to speak to a supervisor, XXXX who then transferred me to an account specialist who attempted to collect a debt I did not know I was late with the payment until the card statement arrived on yesterday XX/XX/XXXX. 
I was advised by the account specialist that I would need to make the payment in full of {$100.00} and then they would waive the late fee. I asked them if I could pay half which is past due and they said no. I advised them sometime in either XX/XX/XXXX or XX/XX/XXXX, I  was in fact late because I overlooked the bill. That late was waived and the representative I spoke to then advised me if I made a payment of {$48.00}, I believe, my account would be up to date and I would go back to the minimum of {$25.00} per month. I am incurring late fees every month even though I am making the payment. I advised the next representative in XX/XX/XXXX that the same thing is happening. She advised me she would waive the late fee and I asked her how much I needed to pay to bring current. She said {$25.00} and I advised her I would send {$30.00}. 
Now they are asking me to pay this {$100.00} before they will do anything and have sent my account to collections like I am some sort of criminal. This account was opened in XX/XX/XXXX as was advised by the rep I spoke to today. It has been 15 years since it was opened with a XXXX line of credit and I have maybe been late once. 
I advised him I intend to pay this balance off as the account is closed within the next year so I do not need to be drained of money with all of their fees and interest. 
As you can tell I am very upset and would like something done about this.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ABSOLUTE CREDIT  LLC
State: DE

Complaint narrative:
THE CREDITOR HAVE CONTACTED ME AND I HAVE NO KNOWLEDGE OF THIS DEBT. I HAVE CONTACTED MY ATTORNEY TO GET OUT OF THIS DEBT.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-09 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
Wells Fargo will not honor my divorce decree to remove my name off the property I have not lived in since XX/XX/2015. Wells Fargo has the option to remove my name off the deed, but I would still be responsible for the loan. I am disappointed that they are not honoring legal court divorce decree documents and now my credit is bad since my ex-husband is behind on the mortgage payment. My ex-husband wants me to sign loan modification which I refuse, since I an no longer living at the residents and I do not want to be responsible for 40 year mortgage.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-09 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: AZ

Complaint narrative:
I pulled my credit report XX/XX/XXXX and saw that this collection agency XXXX XXXX was showing up as a collection and that I owe them a debt for {$990.00}. I sent them a certified letter with a return receipt to verify the debt with my signed signature. They sent me a letter back dated XX/XX/XXXX and it was great news that they had concluded its investigation of my dispute and are closing both accounts since I had 2 accounts with them and they are requesting that the three major credit agencies delete XXXX trade lines from these account on your credit reports. Shortly after that I got an update credit report showing they were both deleted but only off of 1 of the 3 XXXX, the other 2 XXXX and Equifax only removed 1 and  are still showing the other one. I sent them both a certified letter that I had received from the company again requesting that the second account be deleted also.They still have not removed it. I sent another certified letter again with no result so that's why I'm here. I got an alert that something new was on my credit report so I pulled my credit report today XX/XX/XXXX and my reports says a new collection has been added to my reports, again only on XXXX and Equifax not XXXX so instead of deleting it they makes it appears to be a new account and my scores dropped by 49 points which is major and drastically. I am going to report this action to Attorney General and the XXXX XXXX XXXX today to see if can get this off of all my credit reports. This needs to be resolved immediately as this is majorly affecting my credit scores.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-09 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: BB&T CORPORATION
State: DE

Complaint narrative:
This debt has been paid in full.

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 2018-02-09 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: DE

Complaint narrative:
Still calling after a year. At least once or twice a day.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO

Complaint narrative:
2013 account should have been closed! Charged off need it removed

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: OR

Complaint narrative:
At XXXX today I received a text from XXXX notifying me of a change on my credit report that I should look into. This is the free service provided by Equifax as a result of their huge security breach. The web page for log in does not load. The equifax website itself has no working contact info. No phone, just a chat box that does not work either. My browser is fully updated. This is outrageous that Equifax is still allowed to operate without consequence in this manner. I want your agency to fix this problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: UT

Complaint narrative:
I called in to American Express in XX/XX/XXXX to inquire about my Annual spending on my Delta Reserve card. The purpose was to see how close I was to my annual {$60000.00} required spend to receive an additional XXXX delta MQM 's which would have taken me to the next medallion tier with Delta. I spoke to a US Based representative who informed me that I had met the required spend in XX/XX/XXXX and would receive my MQM 's aprox XX/XX/XXXX and assured me that I didn't need to do anything else. When those MQM 's never came from Delta, I called in again in XX/XX/XXXX to inquire. I was informed at that point that I was previously misinformed and that the card spend was on different AMEX cards ( I changed in Q1 from a business reserve to a personal reserve ) and for that reason I did not qualify BUT since the damage was done and I was led astray by AMEX, they would open an investigation and pull the call logs from my XX/XX/XXXX call. If they could confirm ( which they did ) that I was told what I claimed ( which I was ) that AMEX would without doubt honor their mistake. I was told that would take 3 days and then AMEX would call me back. After 3 days I called again and was told that in fact it could take up to 60 days. When I advised that the time frame was unacceptable they escalated my compliant and I was told I would hear back in 14 days. After 14 days and no call from AMEX, I called and and spoke to US based supervisor XXXX ( # XXXX )  who assured me she would get to the bottom of things and would call me 3 days later on a Monday.. On Wednesday/Thursday I called in again and spoke to US based supervisor XXXX ( # XXXX ) who assured me that I would get a call back from XXXX right away. That never happened and I've since talked to 2 more supervisors who promised they would help and of course I never heard back. Several times I've been assured that AMEX would do the right thing and honor what they told me but no one there seems to care or have an ounce of accountability. I need help please!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
Equifax is committing fraud on my credit file, and it is harming me. They are allowing a certain account in the amount of {$77.00} to XXXX XXXX XXXX cellular to reappear on my file, subsequent to having resolved a dispute about the account in my favor, and having stated as part of that resolution, that they deleted that inaccurate account from my credit file. 

In XX/XX/XXXX, I was a non-traditional, XXXX XXXX XXXX studying a post-XXXX XXXXl program at XXXX XXXX University. I own a home in the town of XXXX, Massachusetts, and I paid real estate taxes to the town and the expenses of running the property, on top of tuition, books, etc., at the time. I was not employed at the time. I had a XXXX college savings plan from which I managed, financially, my student life. 
This is prologue and background. 

I had XXXX XXXX XXXX XXXX as my cell phone service provider. I completed my 2 year obligation to them faithfully, not missing a payment. In XX/XX/XXXX of that year, I switched to XXXX XXXX XXXX 's own lower-price subsidiary provider, XXXX XXXX. I took notes during my transition of plans, and I was told by XXXX XXXX XXXX customer service on XX/XX/XXXX, that my final bill of {$77.00} had been paid to XXXX XXXX XXXX, and that my balance to them was {$0.00}. I owed them nothing in other words. 

On XX/XX/XXXX, I discovered that XXXX XXXX XXXX had referred this same amount to a collection firm, XXXX. 
So I have spent the better part of 2 years disputing this {$77.00} bill -which is bogus and unequivocally not owed-, with Equifax. The other 2 repositories, XXXX and XXXX immediately deleted the inaccurate information from their copy of my credit report, the first time, based on my online disputes in XX/XX/XXXX, and it has not reappeared on their copies of my credit file. 

Equifax, on the other hand, has allowed this account and very same amount to reappear on my credit file. Furthermore, they've done this subsequent to resolving a dispute ( Confirmation # XXXX ) for the very same inaccurate account and amount, in my favor. I hold this documentation from Equifax dated XX/XX/XXXX,  showing that Equifax deleted the item from my credit file. 

So, I am being defrauded by Equifax, and each time they allow this previously-adjudicated-inaccurate-account, and previously-deleted-account, back on my file, my FICO score drops from XXXX ( where it should be ) to XXXX. 

I want something done about this. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I spoke to a customer service representative on XX/XX/XXXX to try to resolve this issue. I was told they dont know why this account is still reporting as late because it has been paid and to call back in 48 hours while they investigate. In the mean time I can file a dispute. This company has charged off my account in XX/XX/XXXX and when this account was charged off it has been paid with the collection agency however, this company is still reporting my account monthly as 180 days past due. This account has a XXXX balance as of XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I was charged an annual fee on my credit card. 
Within 30 days I changed the card to a no annual fee. 
They refused to credit the annual. 
This is totally wrong. how can they charge me an annual fee for a service that I dont have?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Knight Adjustment Bureau
State: MI

Complaint narrative:
I don't exactly know how this account Knights Adjustment Bureau showed up on my credit report but it's not mine, the original account holder name is XXXX XXXX  I never heard of this company I never had any dealings with this company the balance of this account is {$1800.00} the date that it was open was XX/XX/2015 account status is reporting still open I have contacted this company in regards to these charges and they told me to dispute it.

Company response to consumer: Closed with explanation