vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-06-27 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONSTAR MORTGAGE LLC
State: CA

Complaint narrative:
Case number XXXX, my home was modified inXX/XX/XXXX through XXXX XXXX XXXX after five years of trying to get a modification. With the help of the attorney general for the state of California, consumer financial protection bureau and veteran affairs, I finally received my modification. When I signed the original paperwork for the modification, I read that my house payment would be {$2800.00} that included taxes and fire insurance through an impound account at 2 % for the life of the loan. Currently my house payment is {$3400.00}. Which is a difference of {$540.00} a month or {$6500.00} a year. I 'm making the same money that I was making in XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX and XXXX. I make roughly {$110000.00} a year. I 'm having trouble making ends meet. <P/>After five years of trying to get my home modified because of the lies that countrywide mortgage told me and then XXXX XXXX XXXX ; trust me, I experience XXXX even while writing this letter asking for help. <P/>My loan was sold to Nationstar mortgage a few months after the modification took place. I contacted nationstar to ask for help and they said they could not do anything for me. The problem is, is that when XXXX XXXX XXXX modified the loan, the state of California demanded that they forgive the second loan on my house because of the fraud. I have since taken out a second to repair the rest of the house and get all the repairs done that needed to be done in XXXX when I bought the house. So now I 'm paying for the second as well. If I were to sell the house now I would lose all the money I put into this house. For example, I paid {$680000.00} for the house. I started the remodel as this was a house that I thought I could afford according to XXXX and XXXX XXXX XXXX. The house had no floors, a working kitchen and only one bathroom that worked. I took out a {$170000.00} to get these issues and the swimming pool fixed as it was leaking a lot of water. All of these issues were documented in my first complaint in XXXX. The houses in this market as of this date XX/XX/XXXX is $ {$860000.00}. As you can see, XXXX plus {$170000.00} equals {$850000.00}. I 'm coming out with {$11000.00}. However I have not included realtors fees or closing cost. I 'm actually losing in excess of {$52000.00} in a house that I have paid for, for 13 years. <P/>Please help me get this house modified as this is the house I would like to stay in for the rest of my life. <P/>Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, California XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-27 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: NM

Complaint narrative:
i have challenged the account with equifax numerous times with the address they provide as they have stated that they have verified the account belongs to me and ask me to contact creditor with address provided by equifax. I did send a letter to collection resouces with no response due to the mail being returned to me. so send the evidence of returned mail to equifax with the address they provided as they claim equifax has verified it, but i am confused how they verified as i can not with the address they have provided. I know that this is wrong information being reported on my credit report and equifax has provided a false address, i have demanded the item to be removed immediatly but they continue to verify

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collection Bureau of America Ltd.
State: TX

Complaint narrative:
This Company Collection Bureau of America states i owe the {$170.00} on XXXX I have no signed contract with this company and no knowledge of this company and they trying to collect a debt i did not sign a contract with this company

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC
State: TX

Complaint narrative:
Closed on our home XXXX XXXX, XXXX. Purchased a 12 month home owners insurance policy. We were contacted in XXXX XXXX to purchase a new policy. My insurance agent provided Amerihome Mortgage with the new policy information. We received a letter today from home owners insurance. It stated " The insurance policy is being declined for the following reason : Non-Payment Insufficient premium received by the due date I checked with XXXX XXXX. The loan number and contact information they have for the mortgage provider are all correct. We also received a letter from Amerihome. They have provided us with a policy that cost 350 % more than the policy we found.

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 2017-06-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: UT

Complaint narrative:
XXXX XXXX XXXX charged me a fee to set up and have what they sold to be bi-weekly payments made to my lender. They were to take out 1/2 the mortgage amount every other week on dates I specified, and pay my lender twice per month. This was part of their " Interest Minimizer ''  program. I found that 1-they only made one payment per month -- whatever was the amount due and 2-they paid by paper check, which my lender did not accept. This caused the lender to continuously report that I was behind on the mortgage. I cancelled my " membership '' with XXXX XXXX when I found this out. I have since found that there is a lawsuit against this company, and hundreds of other consumer complaints. Links to the articles are here : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX I am still receiving letters in the mail and phone calls from this company inviting me back. Meanwhile, my credit report is a mess and I can not get a loan for a car. Mortgage company is PennyMac.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: NC

Complaint narrative:
Completed an income base repayment for loan through Navient and I was paying {$70.00} for a year and it jumped to XXXX per month. I can not pay that amount. That is about 50 % of what I make per month and I have other expenses. I have tried numerous times to lower my monthly payments but I was unsuccessful.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-27 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I mailed a certified letter to Equifax on XX/XX/XXXX via XXXX, FL Post office @ XXXX XXXX, certified number XXXX, which per the USPS website was confirmed received at Equifax on XX/XX/XXXX @ XXXX XXXX. As of todays date, I have yet receive results of the investigation and it is well over 30 days. I have done my due diligence by mailing the document and the postal service has done theirs by delivering it. Equifax has violated the Fair Credit Reporting Act, in which they have failed to respond to my written request within 30 days, FCRA Section 611 Part ( A ) ( 1 ). I have attached a copy of the certified letter, certified mail receipt, along with confirmation that the letter was delivered. I called in to Equifax today and spoke with one of their representatives in XXXX named XXXX who advised she/he ( couldnt tell if it was a male of female voice ) didnt see any letters from me within the timeframe I advised of. I told XXXX that this was sent certified mail. I called back and spoke with a U.S. rep didnt get her name, who advised me that the letter I sent was illegible. I asked how a letter could be illegible if it was type written, printed and sent in via certified mail. She was at a loss for words once the question was posed. I advised that these accounts all needed to be deleted as they have failed to send a response back to my request within 30 days. She said the only thing she could do was to put the items under dispute, I told her, unsatisfactory. <P/>I also spoke with XXXX in the Consumer Affairs Department on XX/XX/XXXX, who wasnt able to offer any options other than placing the items under dispute now, which I advised was unsatisfactory as they have already violated the law. <P/>I am demanding complete deletion of the accounts listed on this letter as they have failed to respond within the 30 day timeframe they are allowed under the Fair Credit Reporting Act. I am not asking them to put these items under dispute at this moment, as they have failed to do what they were supposed to do and items have to be deleted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-27 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
XXXX XXXX, 2017 received notice from Chase **WARNING** Chase is UNFAIR to long term customers!!?! ** I 've been a Chase Ink Business Credit Card holder for nearly 20 years and have never missed a payment. Though I have been late never more than a day. During a recent hospital stay a relative made my payment late ( a day ) and to my disappointment Chase raised my interest rate to a draconian 27+ %. I called and an account manager named XXXX ( nice woman ) who told me that unfortunately there was nothing to be done. Over the years I have had a mortgage, line of credit and several credit cards, personal and business with Chase. Paid them all in good faith and this is how they reward loyalty. <P/>STAY AWAY FROM CHASE.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
I bought a car on XX/XX/XXXX and it was financed thru Wells Fargo Dealer Services for 66 months with the first payment beginning on XX/XX/XXXX. The ORIGINAL maturity date would have been XX/XX/XXXX however I had 3 deferred payments, not in a row, and at time of each deferment, I had to pay an interest fee. I also received paperwork each time which extended MATURITY date by one month with the FINAL MATURITY DATE being XX/XX/XXXX which is 3 months from the ORIGINAL MATURITY date. I have ALL paperwork documenting deferments, vehicle contract, etc. I made my last payment and have been patiently waiting for my title. Imagine my surprise last Monday, XX/XX/XXXX, when Wells Fargo called to say I was 22 days late with my XXXX  payment!!! I explained to the customer service rep that I had made all 66 payments therefore no longer owed any additional payments. This is when the chaos really begins. She insisted I owed 3 MORE payments!!! I asked to speak to her supervisor, XXXX, she also said that the account was past due but she had a different figure. The next several people we spoke with - all had different figures but nobody could come up with WHY or where their figures were coming from. We spoke to XXXX, a Supervisor in the ( XXXX ) area code who counted the payments while we were on the phone and acknowledged that YES, all 66 payments had been made so he did not understand what was going on with the account and suggested we call the Office of the President. And it really got worse from here. XXXX from the Office of the President opened up a complaint for us and she was awful. She insisted that my original MATURITY date was XX/XX/XXXX and add the 3 months deferred to that and that 's where the money I owe is coming from. It 's basic math. XX/XX/XXXX to XX/XX/XXXX is 66 months. Add 3 months. You get XX/XX/XXXX - not XX/XX/XXXX. Plus I have record of all 66 payments so here I am - no car title ; Wells Fargo steadily calling me every day saying I owe them money but not one person in that company can really explain how they got to this even when asked how it is I 've paid 66 payments and 3 more payments makes 69 and not to mention what this is doing to my credit score. I have a daughter in her XXXX XXXX at XXXX XXXX who relies on me for Government loans and if my credit is steadily being ruined, then I can not quality for her loans. Please help me. This is beyond ridiculous. Wells Fargo Dealer Services HAS GOT to be held accountable at some point.

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 2017-06-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I had an agreement with XXXX XXXX XXXX that if I paid the debt in full, they would have it removed from all three credit reporting agencies. I reviewed my credit reports on X/XX/2017 and the account remains on the credit reports. I disputed the items and also called XXXX XXXX XXXX and spoke to XXXX. She stated that the account should have been removed from my credit reports because the company had instructed the credit bureaus to remove it. She stated that I needed to contact the credit bureaus to have them remove it. She said she would send me a letter via email to the credit bureaus stating that it should be removed. I still have not received the email containing the letter.

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 2017-06-27 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: State Collection Service, Inc.
State: AZ

Complaint narrative:
First, this company ( state Collection ) is reporting multiple amounts on my credit report from the SAME medical office. XXXX XXXX XXXX is the original creditor. I have been paying them XXXX small amounts and filed for financial assistance in XXXX, and again in XXXX. NEVER heard back. The next thing you know, I see that State collection has me reported for the following amounts on my credit reports. - {$970.00} - {$610.00} - {$430.00} - {$200.00} - {$180.00} - {$150.00} - {$110.00} - {$86.00} - {$70.00} What XXXX does is they bill you one large amount on one bill. As you pay it down they apply the money to the MOST RECENT date of service then they charge off each date of service separately to make it more of a hit on your insurance. I applied for financial assistance. I am on XXXX. I am struggling. I do not need this from either State Collections or XXXX. Please investigate this as this is how they operate. I do not agree with these dollar amounts. I ased State Collection for a DETAILED statement when I got a letter from them as I did not agree with it. No response at all. Now it is all over my credit report on 9 different lines! This needs to be removed off of my credit reports and XXXX needs to respond to my financial assistance request. I am attaching a debt validation letter mailed to statewide collections on XXXX/XXXX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-27 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: CA

Complaint narrative:
To the associates overseeing the credit repair companies, I have been trying to correct my credit report because there is an account that is not mine being displayed on my report and it is very damaging. I have already contacted these credit reporting bureaus and disputed this account and the abuse I am getting from this company attempting to collect money I do not and have not owed and the companies refuse to show me a proper investigation. I was asking every one of them to tell me how this information was confirmed and what documents were received and reviews validations it and I have not heard from them or received anything. I do not owe these fund to this company and I have never heard of this company. This information was accidental ; y or illegal placed on my credit report. I do not know which is true but it must be removed immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I have been asking for like 10 years, yes years, for the balance my escrow had in it when it was transferred from Washington Mutual Bank to Chase Bank. They have sent me everything but what I have asked for .... the ending figure that was to be transferred that Washington Mutual had.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-27 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: Navient Solutions, LLC.
State: NY

Complaint narrative:
Several loans which are currently being serviced by Navient have incorrect loan balances and interest amounts. For example, Navient loan # XXXX is being calculated based on orig. principal of {$3500.00} and fixed interest of 6.80 %. However, orig. principal amt should be {$1600.00} due to a portion of the loan having been cancelled and never disbursed. Additionally, this loan has a fixed rate of 4.50 %. There are several loans being fraudulently treated this way. Navient is also reporting a much higher balance due on my loans because of the fraudulent way it is being calculated. I advised them of their mistake on several occasions ( XXXX/XXXX/XXXX ; XXXX/XXXX/XXXX ; XXXX/XXXX/XXXX ; XXXX/XXXX/XXXX ) but they have refused to fix the info on file. They also have not acknowledged payments made on this loan while it was handled by XXXX and XXXX between the years XXXX through XXXX. When Navient received the loans, they did basically erased all prior payments from the loan history and on their website, and essentially restarted the loan and repayment with the allegedly orig loan amount without including prior payment made by me - they basically inflated the numbers to increase their income.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
In XXXX 2017 Wells Fargo Bank changed the checking account type that I have and purposely picked an account that has requirements they knew my account would not meet. Until the end of XXXX I had an Advantage Business Package Checking which did n't have fees provided I made a transfer of at least $ XXXX/month to a Savings Account for my business. Starting XXXX XXXX, 2017 my checking account was changed to the Wells Fargo Business Choice Checking account with a $ XXXX/month fee. My account met all the requirements to be moved to the Wells Fargo Simple Business Checking account but they chose instead an account that has more features than I need and also has a higher fee threshold. <P/>I did not notice I was being assessed a $ XXXX/month fee until XXXX 2017 when my account numbers were stolen by a hacker via Wells Fargo Online Banking. I was reviewing charges to determine which checks had cleared and I noticed the fees. I went into Store XXXX on XXXX XXXX, 2017 and met with XXXX XXXX XXXX and the Branch Manager XXXX to process the Lost/Stolen Account paperwork. Before we started processing the paperwork I notified XXXX that WFB had changed my account into a type of account I did n't need, want, or request and that I want a simpler checking account. I also asked for the fees to be waived and she said she would take care of it. She then processed the account transfer into the Business Choice Checking account which I did not want and also did not waive the fees before closing the Lost/Stolen Account. After all the paperwork was signed I noticed the fees had not been reversed and asked XXXX to do it, but she had already left for the day. XXXX the store manager said she could n't process a fee waiver on a closed account. I then called WFB Customer Service and they also said they could n't process a fee waiver. <P/>This is yet another example of how WFB slams fees on their customers and then comes up with excuses why they ca n't reverse the fees or make the situation right.

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 2017-06-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I had an agreement with XXXX XXXX XXXX that if I paid the debt in full, they would have it removed from all three credit reporting agencies. I reviewed my credit reports on X/XX/2017 and the account remains on the credit reports. I disputed the items and also called XXXX XXXX XXXX and spoke to XXXX. She stated that the account should have been removed from my credit reports because the company had instructed the credit bureaus to remove it. She stated that I needed to contact the credit bureaus to have them remove it. She said she would send me a letter via email to the credit bureaus stating that it should be removed. I still have not received the email containing the letter.

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 2017-06-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I had an agreement with XXXX XXXX XXXX that if I paid the debt in full, they would have it removed from all three credit reporting agencies. I reviewed my credit reports on XXXX/XXXX/XXXX and the account remains on the credit reports. I disputed the items and also called XXXX XXXX XXXX and spoke to XXXX. She stated that the account should have been removed from my credit reports because the company had instructed the credit bureaus to remove it. She stated that I needed to contact the credit bureaus to have them remove it. She said she would send me a letter via email to the credit bureaus stating that it should be removed. I still have not received the email containing the letter.

Company response to consumer: Closed with explanation