vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-08-24 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: Resurgent Capital Services L.P.
State: IN

Complaint narrative:
In XXXX I lost my job. I am now XXXX years old. Sadly we had no choice but to file Chapter XXXX in XXXX of XXXX. On XXXX XXXX, XXXX, I am being sued for {$720.00} dollars. From a XXXX party debt collector. It was originally a credit limit of {$600.00} dollars. Never received anything not a call or a letter. To appear in court within XXXX weeks! I called them and told XXXX the situation. She was very rude and trying very hard to make me feel like a XXXX bag. I was threatened by them of putting a Lien on my home and garnishing my wages. I need MORE TIME to hire my attorney and he is very good. I am a Senior XXXX and I will not stand by and have this company me threaten me and take away from me. Going to get this company for harassment. I am retired and I will not just stand by and got this letter within XXXX weeks for a court appearance.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-18 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I applied for a Macy 's store card in XXXX 2015. The card was mailed to my home address and before the card reached me, it was stolen and someone made fraudulent purchases worth XXXX of dollars on my account. I have been following up with Macy 's for the last 8 months, provided them information on the case filed, the investigator 's name and contact and the name of the person responsible for the identity theft and yet Macy 's has not taken any corrective action. Every time I call the customer service, I spend XXXX XXXX on hold only to hear their standard reply that the case is pending investigation and will take 60-90 days to resolve. Despite all of this, Macy 's went ahead and reported the transactions to the Credit bureaus and my credit history is ruined. I want the fraudulent charges to be taken off my credit report URGENTLY as I 'm applying for a new apartment lease on XXXX XXXX 2015. The leasing company is going to run a credit check before they approve my application.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-02-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC.
State: SC

Complaint narrative:
Navient is showing on my credit report several times please have this loan verified. 
Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-08 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
My mother passed away. She had a checking account/business account for her class reunion expenditures. She is the only person listed on the account. I have submitted a death certificate, copy of the will to prove that I am executrix of her estate, and all requested documentation. I was allowed to close all accounts at Wells Fargo except for this XXXX account. Five years later, Wells Fargo has still denied me the right to close this account. I provided the documentation for the third time in five years and the account remains open. They mail me a statement every month. This is torture to know that I can not close the account and stop the mail that is addressed to my mother. I am disappointed in the number of times that I have submitted information to the bank to have them respond with the " account is under review ''. She had been dead for five years. She will forever be the only name on this account. I am eager for a resolution to this issue and for the statements to stop.

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 2015-07-06 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: NATIONSTAR MORTGAGE LLC
State: GA

Complaint narrative:
XXXX previous case numberSince my last written complaint, Nationstar approved a HAMP but not what was originally agreed to ( Did not take off my ex husband or give me the interest rate offered by Aurora Bank ). My payment went up with this version of the HAMP but I was told my ex husband who is on the loan would be removed with this new HAMP. So, in order to get my ex husband off the loan I agreed and signed the HAMP. When I received the HAMP paperwork, I was shocked and dismayed my ex husband was still on the paperwork and I got a higher interest rate. Upon calling my rep, he explained that he would attach my divorce decree and quit claim deed where the property was quit claimed to me solely by my ex husband that this would remove his name from the loan. So, I signed and returned the paperwork regardless of the higher rate to attain this end. I attaching the email from the Nationstar rep stating that his name would be removed. I signed the paperwork with my ex husbands name on it without his signature. Nationstar signed and recorded this document ( see attached ). My ex husband served me with a lawsuit for not making payments, ruined his credit, and for not taking him off the loan. When I called Nationstar about this the said they will not remove his name off the loan, even with the paperwork I signed, the proof I sent, and the written email from their company. Now I come to find out that they fraudulently manipulated my credit report to show late payments that never occured putting my payments in a suspense account. All of my payments have been on time and I have copies of the cancelled checks to prove it so. They admitted their manipulation of the credit report however it also affected my ex husbands credit report. Their fraudulent actions not only affected me but my ex husband as well, from which I understand this is a federal offense. I am now in the XXXX year of this process. I accepted Auroras offer at 2 % and taking my ex husbands name off the loan, upon the sale of this loan to Nationstar they claim they lost the paperwork ( funny how they said they lost it but yet they accepted modified payments they said they lost XXXX. So I had to start the process all over again. I have now had to hire XXXX attorneys to try and straighten out this mess. One to defend my husbands lawsuit and the other to make Nationstar do what the said in writing. We are still going back and forth with Nationstar to do what they said. XXXX If you would like to verify that last sentence you may contact my ex father in law which I can supply his name and number if requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-07 00:00:00
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: BlueChip Financial
State: CO

Complaint narrative:
I took out a payday loan from spotloan for 700 $ on XXXX. I received the money deposited into my account. I didnt keep the contract but I am pretty sure it was {$230.00} for six month. On the XX/XX/XXXX I made a XXXX dollar payment which was withdrawn from my checking account. I called late XXXX and said I cant make the XXXX payment. They said OK. They would add money on to my next XXXX payments and the payments would be XXXX. I got a letter as follows, which shows they are ok with payment plan. 

Hi XXXX, I just want to remind you that your Spotloan payment of {$300.00} is scheduled for Thursday, XXXX XXXX 2015. Please let me know right away if you have any questions. 

Spotfully, XXXXRelationship ManagerXXXXXXXXXXXX ext. XXXXIf you have any questions about your account, please email us at XXXXXXXXXXXX or call us at XXXX. If you would like to write us, you may contact us at : SpotloanXXXXXXXX XXXX, IL XXXX Spot loan withdrew money from my account on XXXX and XXXX for {$300.00}. On XXXX i received a letter from spot loan as follows. 
Dear XXXX, We are writing to let you know that Spotloan is no longer operating in the state of Colorado. As a result, your account and payment history have been transferred to XXXX XXXX. You will continue with the payment schedule you agreed to when you accepted a Spotloan, but moving forward you will be making payments to XXXX XXXX. 

If you have questions now or in the future, please reach out to XXXX XXXX at ( XXXX ) XXXX. 

Thank you for being a Spotloan customer. 

Sincerely, Spotloan Help TeamSo in XXXX XXXX financial tried to withdraw XXXX or something close to that and the funds were not available. I made a payment on XXXX for XXXX and XXXX for XXXX to make up for the XXXX to XXXX XXXX. I have not made a payment for XXXX and do not feel that I owe any more money. I was not give the opportunity to pay the loan off early after XXXX and easily paid XXXX the amount of money. XXXX XXXX claims that I owe an XXXX, XXXX and XXXX payment. I did contact both XXXX XXXX and spotloan which got me nowhere and was hung up on.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-15 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: AMERICAN EXPRESS COMPANY
State: VA

Complaint narrative:
Re : XXXXThree years ago, I was XXXX. I purchased XXXX domains in the name of the company and personnel. I made the mistake of leaving my credit card number on the account and the company did not change it. My name appears nowhere on the account, I can not log into the account, yet with my credit card number on file, they billed the card on XXXX/XXXX/15 for {$29.00}. I had not received a notice of renewal, in spite of the American Express card having expired. I called them numerous times pointing out that the account was not mine, I could not login to change anything, and I do not wish to renew the domains. I was assured by " XXXX in Billing '' that the expired credit had been cancelled from the account. On XXXX/XXXX/15, another " receipt '' from XXXX, this time for {$280.00}. Again, I called American Express to dispute the charge and placed a block on any future charges from XXXX. I also filed a complaint with the XXXX, AZ Better Business Bureau. I then called XXXX to find out why they had charged a cancelled card, only to find out from " XXXX in Billing '' that the card had been " renewed, '' probably by American Express. When I asked for the expiration date on the " renewal '' the date " XXXX '' provided was incorrect. " XXXX '' would not acknowledge the assurance from " XXXX '' and refused to remove my credit card number from the account without my providing another or that I contact the account holder to tell him provide a card. Following this, I contacted American Express again, this time requesting a fraud investigation since they had not, and would not, alter anything regarding a cardholder with any company without my permission and action. That can only mean that XXXX altered my credit card data on their account, which amounts to pure and simple fraud. XXXX insists that a " Protected Registration '' holds my liable for full payment since my credit card is on the account - but I am in no way involved in the account or company, and the card has expired anyway. They insist that I have to contact the name on the account, in spite of their holding all of his contact information, to get the account cancelled. I have now had to cancel the card and go through the process of resetting auto-debits to that card. A genuine nightmare!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-04-22 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: Weinstein, Karp & Associates, Inc.
State: AZ

Complaint narrative:
ON XXXX/XXXX/16 ; XXXX/XXXX/16 ; XXXX/XXXX/16 I spoke to a representative at Weinstein, Karp & Associates, INC on those XXXX conversations the representative never verified me properly, she did not disclose that the call was being monitored and recorded, she did not state mini Miranda and she did not disclose her company name. She also continuously called me back to back on several occasions. She never got permission to call my cell phone and kept calling about XXXX times per hour.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-08 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Palm Beach Credit Adjustors, Inc
State: FL

Complaint narrative:
I do n't owe focus financial anything they are trying to collect on a debt that was paid by an isc. company they are breach of XXXX and the fact that they provided me with information from my doc office proves that the doc and themselves are in breach if they do n't remove the accounts from my credit I will take this to the XXXX XXXX about the hospital and all doctors involved and I will win an court you can not give out my medical history DOCTORS TO WHOM EVER YOU WANT AND MY BILLING HISTOURY IS A PART OF THAT remove this or find your company in court.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-03 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: GA

Complaint narrative:
Dear CFPB, On XXXX/XXXX/2015 my loan to value reached XXXX %, but Ditech did not drop my PMI in fact my loan to value is less than XXXX % now, and I 'm still paying PMI. 

I read in your website it should be automatically drop when it is 78 % loan to value. 
I want Ditech to drop my PMI and pay me back all of the money that they took from me since XXXX/XXXX/2015. 
thank you XXXX XXXX Property address XXXX XXXX XXXX XXXX XXXX, GA XXXX ACCOUNT NUMBER XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
Naviant took my tax return this year and I never got a letter stating I was in default. Nor did I get a phone call. I called and they told me I 've been in default for 3 years yet this was the first they took my refund. I live at same address have same phone number and they claimed on XXXX XXXX I told them not to call. I did n't even get a phone call! They lie and make up stuff i asked the kid if he could get the recording of " my voice " and he said he could n't. They 're a huge scam and I 'm behind in rent they took all my back pay that I owe to my landlord and I 'm going to be evicted with my XXXX year old son.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-06 00:00:00
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: CITIBANK, N.A.
State: KS

Complaint narrative:
I have a CITI Diamond Preferred Card and was given an {$1800.00} credit limit. I have never paid late, managed my credit limit responsibly. I make over $ XXXX annually and have more than enough resources to pay the obligations on this card. About 2 months ago I receive a notice from CITI indicating that my credit line was being reduced. I did not agree with the this decision and called to complain. My credit line was reinstated and I was told that I should not have this issue again. On XX/XX/2016, I received an email indicating that once again, my credit limit was being reduced. I called again to complain and they submitted my claim for reinstatement. This request was denied. There is no reason for CITI to be doing this since I have paid my account in full almost every month and have not given them any indicators that I would be a non-pay risk

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 2016-10-28 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: Hart West Financial, Inc
State: CO

Complaint narrative:
I locked a 30 year mortgage at 3.375 % on XX/XX/2016 with a 45 day lock and paid for the appraisal and credit report on XX/XX/XXXX for {$580.00}. The appraisal came in low, $ XXXX lower than one that was done 6 weeks prior so I was hesitant to move forward as it would have involved PMI at the current amount I applied for. This took place on XX/XX/XXXX ... ..The staff at Hart West advised that I could submit comps to challenge the valuation and I did that the same day and next and sent the appraisal that had been done 6 weeks prior with the valuation of {$500000.00}. I assumed this was all that was needed as I did not hear back from the lender and had submitted the other additional information they needed clarification on. I finally heard back from Hart West on XX/XX/XXXX and confirmed that I would move forward with the lower valuation and bring more money to closing. I was the told my lock would expire on XX/XX/XXXX and the company said it would cost an additional {$990.00} to extend the lock. I asked them to honor the original terms as they had plenty of time to clarify things and close my loan within the 45 day lock and they have refused to do so.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-02-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: GA

Complaint narrative:
Carrington Mortgage Services has been a nightmare to deal with. They lied about postponing the foreclosure sale date and working with my on a modification. I spoke to them on Tuesday and was assured that they were reviewing my application and everything was fine. I received a call today, did not bother to even leave a message and I called back to inquire about the call. I was told my modification was denied and the sale date was set for XXXX which is 4 days away. The lady on the phone was rude and kept screaming at me telling me that I did n't have enough income and other issues so no to bother trying to reapply. I am about to be homeless because a greedy bank does shady and unethical things to kick people out of their homes. I was told not to even bother trying to do a short sale because I would n't have time. There is no customer service and no one to talk to that will listen or at least try to help. They lied to be stop me from looking at other alternatives such as short sale or deed in lieu. Predatory practices and simply immoral.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-03 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: WA

Complaint narrative:
Homeowner had Foreclosure mediation with Select Portfolio Servicing Inc. & their attorney on XXXX/XXXX/2014. No retention option has been reached & Select Portfolio Servicing offered Cash for Key to move out for {$3500.00}. Select Portfolio Servicing prepared document for Homeowner to sign & Also mediator confirmed during our mediation that they are going to give Homeowner {$3500.00} when they takes the property. Homeowner 's property has been taken away by Select Portfolio and they never sent payment to Homeowner. We called to the Select multiple times to send us check but they would not send check to Homeowner who 's house has been taken away by Select Portfolio XX/XX/XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-16 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: AZ

Complaint narrative:
My mortgage servicing company is Ocwen Loan Servicing. I was advised that my escrow account need to be built up. I mailed check on XXXX/XXXX/15. Although check was received into system on XXXX/XXXX/15 ( confirmed by customer service ), it still has not posted to my account, and Ocwen has adjusted my payment to reflect I did not make this payment. I have emailed them XXXX emails with complaint, written XXXX letters with same complaint and spoken to customer service with same complaint. All with no success. I plan to send in my regular payment and Ocwen will show it is a short payment. 
The customer support I am getting is at a XXXX level. I would be better off talking to a wall.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-25 00:00:00
Product: Debt collection — Payday loan
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Ad Astra Recovery Services Inc
State: CA

Complaint narrative:
I requested that the company provide the original contract that has my original signature, proof that this debt originated from my social security number and address with proper identification as well as accounting to show how they arrived at the amount that is shown on the notice and their agreement that they have the legal right to collect on the said debt. I requested this validation and to date I have not received this information. Instead or the information requested, I received the attached letter that states that Ad Astra is not going to provide this information because it was already provided when in fact it was never provided. This unverified, erroneous item is damaging my credit and the company has not provided the information requested for the questionable debt and this debt needs to be deleted. In addition, XXXX continues to notify the credit reporting agencies, deeming this item accurate with no proof. I looked up the policy for information with the said company XXXX and it clearly states that the information in which a customer can opt out of. I opted out of XXXX information sharing in XX/XX/XXXX due to multiple offers that I had been receiving and was not interested in a loan at that time. This is why I can not understand how Ad Astra is verifying ( or ) validating which ever term you set to use that this debt belongs to me. Remove the said item as you have NEVER investigated the item as I originally requested.

Company response to consumer: Closed with explanation