vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-03-09 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
My mortgage servicer 'Wells FARGO bank ' is demanding that my HELOC mortgage expired, and the NEW LOAN amount is three ( 3 ) times what it used to be. SO from XXXX/monthly, it went to {$1600.00} over night. I bitterly complained and ask for their detailed explanation. They said these loan expire every ten years, and the new loan payment will be three times what it was. I was shocked, and I never had any indication a change was eminent, so I ask the Bank to send me what paperwork they had, if any, that mandated such. They sent my personal loan and Deed to a cover-lettered complete stranger in another state. In the meantime I dug out my original paperwork to read through, and since I never ask WELLS, or anyone else to make any changes, I had a Perfect NO LATE record after seventeen years, and PERFECT credits FICO, why should there be this unexpected change? Why? 
I have read, and reread my note ( disclosure ) etc..and I see NOTHING, that would mandate any change, let alone a massive triple my customary payment change, with interests rates 'going down '. And in addition they kept gradually increasing my FIRST mortgage amount while interest rates were going down, so made me wonder what was going on with it, NOW this dramatic increase with my HELOC, My private inquiry to an independent accountant and loan broker said a NEW mortgage would be a much lower overall payment, so I 'm confused and really annoyed and I ask WELLS to just refinance both my loans they were servicing into one, so I could save on my cash flow, they refused. They said since I did not pay the increased HELCO, that, that had ruined my credit, so they could n't make me a new loan. That REALLY made me angry. I had perfect credit until they ruined it, now I feel they are acted deceitfully and FRAUDULENTLY, thereby forcing me against a wall. They suggested they could offer me a Mode loan,,, for people with BAD credit? My research tells me I will not qualify for a mode, since I have too much equity. This BANK is ACTING with unfound unauthorized overpowering illegality. They are using Arcane methods. They must be forced 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 2017-03-02 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Kriya Capital, LLC

Complaint narrative:
I never received a bill from XXXX after the cancelation of my phone in XX/XX/XXXX when I moved out of the country. XXXX had sent me email about the cancelation and some other promotions after the cancelation while still outside the country but never once a bill pending. The day of the cancelation I was told by XXXX that I needed to wait for the bill to be formulated, but I never received it. I was clear at explaining that I was no longer in the country. Now after revising my credit report I have a company CREDENCE RESOURCE MANAGEMENT claiming to have me in collection since 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 2017-03-10 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Threatened to take legal action
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
OWE MONEY TO CAPITAL ONE ACCOUNTS ... HAD A RECENT XXXX AND I 'M OVERWHELMED BY MEDICAL BILLS ... .IN THE FINE PRINT, EVIDENTLY IN THEIR UNREADABLE SMALL FONT CONTRACTS, THEY ARE ABLE TO CHARGE ( LEGALLY? ) A {$10.00} OR {$20.00} SURCHARGE PER TRANSACTION ... .IT 'S ROBBERY ... .ANYWAY, I 'VE RECIEVED TWO LETTERS FROM XXXX, NY CITY COURT SAYING THEY ARE SUING ME FOR UNPAID BALANCE ... I LIVE ON SS/XXXX CHECK AND CAN NOT AFFORD GARNISHMENT ... ... .THE LETTERS SAY I SHOULD " FILE A LEGAL ANSWER '' ... I CAN NOT AFFORD AN ATTORNEY ... .IS WHAT THEY ARE DOING LEGAL ... CAN MY CHECK BE GARNISHED? ... .WHAT SHOULD I DO? ... VERY WORRIED ... THANKS

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-13 00:00:00
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
I originally had a store charge with XXXX XXXX. Admittedly, I irresponsibly did not pay the debt because of family issues and fell behind on payments around XXXX. The debt was sold to Midland Funding and was actually removed from my credit report XX/XX/XXXX. I had owed a total {$490.00}. I just last week received a notice from Midland asking to send them a settlement of over {$800.00}! If I did not know better I may just just them money. But I just checked my credit report and know I do not owe them money.

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 non-monetary relief
Consumer complaint received 2017-03-25 00:00:00
Product: Debt collection — Non-federal student loan
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: TekCollect Inc.
State: CO

Complaint narrative:
First, this debt is owed by a XXXX company I worked for and the agreement was made between University XXXX XXXX and XXXX. Second, This collection was put on my credit report days before I received a very unprofessional letter stating I have until XX/XX/2017 to pay off the debt or make arrangements for payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: United Student Aid (USA) Funds
State: GA

Complaint narrative:
I have XXXX different collections XXXX with navient. After they started garnishment of my XXXX I made payments to all XXXX collection agencies, and was told after a certain amount of time garnishment would end. I spent five hours today to get information on having the garnishment stopped. Navient told me to contact dept of treasury they transferred me back to collection, was told to call dept education. They told me they have not received any paperwork to stop garnishment and call navient. Called navient again and this time was told septic education was supposed to send me the paperwork in the mail. I have received anything like that.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-03 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Specialized Loan Servicing Holdings LLC
State: MA

Complaint narrative:
I called Specialized Loan Servicing , LLC in XXXX about a Forebearance Plan. My Mother was placed in hospice care, in house, in XXXX and I am her primary caregiver. My income was compromised with my need to be home with Mom. A Forebearance plan would allow me to retain the house as long as Mom needs it. SLS sent me the paperwork to apply for a Forebearance plan which I promptly filled out and sent back. About a month later I received a robo-call that they needed to speak to me. When I called I was told that they needed more documentation which I emailed to them that day. A few weeks later I received another robo-call. I called back and was told they needed more documentation, the same ones I emailed earlier. I sent the information again. Last week I received yet another robo-call. I called back XXXX XXXX and talked to XXXX. She said that they needed the mortgage information on a house we rent for summer rentals and rental agreements for next summer. I told her there was no mortgage on that property and that we had as yet to get any rentals for next summer. She said that I had to prove that there was no mortgage. I asked her how she thought I could prove a negative, that my grandfather had bought the property in XXXX for cash. She said I needed to go to the 'County Office ' to get a HUD certificate. Now, HUD was n't created until XXXX and the certificate XXXX was talking about was n't enacted until XXXX. When I told her that no HUD certificates are recorded at the Registry of Deeds and that there was no way to get any certificate since it did n't exist, she said that my application would remain " pending '' until I could produce it. A Forebearance plan does n't change the mortgage except to move the end date. Technically, they should even need this information. 
So, this means they have no intention of giving me a Forebearance plan since they obviously have no intention of processing my application. This is not an isolated case. On the website XXXX there are a number of similar cases resulting in foreclosure before the modification files are closed. 
We bought the house in XXXX, XXXX, not with SLS, with the plan to sell a condo and pay down the mortgage to {$80000.00}. Due to the mortgage crisis and recession we were unable to sell the condo for two years at a loss. We paid down the mortgage but not to the figure we planned for. We 've been making our payments faithfully to the detriment of savings and retirement accounts. We have come to the point of no longer being able to do this. 


.

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 2017-03-23 00:00:00
Product: Debt collection — Non-federal student loan
Issue: Communication tactics — Frequent or repeated calls
Company: DISCOVER BANK
State: NY

Complaint narrative:
They are told to contact the primary contact, myself, and called my cosigner 8 times over a Saturday ; then when I spoke to them on XX/XX/XXXX they said I was off the call list until my payment processed. Since then they have called multiple times every day, and every time I answer they tell me the calls will stop, only to get another call 2 hours later. On top of this they include future payments in the total amount due at this time and have threatened my mom with statements such as " this will be on your credit report if you do n't pay {$1400.00} today '' when realistically we had 30+ days before it would be reported, and only had to make a payment of {$700.00} to get the delinquency reduced by 30 days. I called this week and they told me what was due as of today, but when I did the math that is what I owed through an XX/XX/XXXX due date.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-10 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
After over 60 day duration, today I received notice from Experian Credit bureau that they do not have validation for this account in file why are they still able to report that the information reported against me by the creditor or its agent is correct. I have had issues with identity theft over the last 10 years and I demand that Experian Credit Bureau provide me as stated by law and as recognized as my right by to request that this establishment provide me with full validation that they have in my credit file that this account is owned by me. 
Pursuant to the FCRA & the FDCPA I now exercise my lawful right to question the validity of this debt your agency claims to have verified. Fair Credit Reporting Act 609 Disclosures to consumers : ( c ) ( 2 ) ( E ) : A consumer reporting agency is not required to remove accurate derogatory information from a consumer 's file, unless the information is outdated under section 605 or can not be verified. 
The federal Fair Credit Reporting Act ( FCRA ) states that there is a time frame for this information to be furnished to me and since Experian has accepted that the information reported is true and correct I demand to see proof of this validation with 15 days of my dispute or I shall initiate and file a claim against Experian for causing me and my family extreme hardship and seek compensation for the funds lost pertaining to any value placed on the reliance of information validated by the bureaus in my credit file.Validation for Request was made to Experian via US mail on XX/XX/2017 for validation of the following accounts and account numbers. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2017-03-21 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Freedom Mortgage Company
State: MI

Complaint narrative:
Freedom Mortgage XXXX # XXXX Please explain why my statement dated XX/XX/XXXX for transaction Activity XX/XX/XXXX-XX/XX/XXXX has XXXX transactions which appear in the following transaction descriptions and why are transaction effective dates listed for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX on this statement? 
1. Why are any figures listed in Payment Reversal? 
2. Why are any figures showing a minus sign in any area and then showing a plus? 
3. Why are any figures listed in Curtailment Rev? 
4. Why is $ XXXX listed under Fees paid dated XX/XX/XXXX and effective XX/XX/XXXX amortization schedule which I was not informed of any fees and did not agree to pay any fee when I ask for Freedom Mortgage to correct their mistakes when they falsely incorrectly reported me late to the credit bureaus. 
5. Date XX/XX/XXXX, under transaction Effective dates for XX/XX/XXXX, {$1200.00} appears six times, {$1100.00}, - {$100.00}, - {$100.00}, - {$10.00}, - {$1200.00}, - {$9400.00}, {$5000.00} appears once each. Why are these figures listed? Under Interest Paid to Date XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX are listed. Why are past Months appearing for the date of XX/XX/XXXX? 

6. Why do any figures appear listed under the column Unapplied Funds? {$1200.00} is listed 5 times, {$2000.00}, {$1200.00} and - {$9400.00} is listed once each which all equal 0. 

During this statement period from XX/XX/XXXX through XX/XX/XXXX there were XXXX transactions. 
Freedoms auto debit for {$1200.00} paying {$1100.00} P & I and {$100.00} for principal only plus and additional principal only payment for {$5000.00}. 
The statement should show Freedom Mortgage 's auto debit for {$1200.00} on XX/XX/XXXX paying {$100.00} to principal only and {$1100.00} to P & I and an additional principal only payment for {$5000.00} 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 2017-03-08 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: NCC Business Services, Inc.
State: CA

Complaint narrative:
This account was a joint account with XXXX and was paid a long time ago. I was told by this company that it would be deleted from my credit report and it still shows.

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 2017-04-04 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: NCC Business Services, Inc.
State: CA

Complaint narrative:
XXXX in XXXX, NC has refused to remove a derogatory account on my credit report. I lived there from XXXX XX/XX/XXXX - XXXX XX/XX/XXXX. I left there with a zero balance. I have called numerous times to have them fix the account, and they will tell me it will be taken care of, and it is still on my credit report.

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 2017-03-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Home Point Financial Corporation
State: TN

Complaint narrative:
There are a couple of issues with Home Point Financial : 1. My first payment in XX/XX/XXXX was lost because the wrong account number was on the coupon I was given at closing. When they found it nearly a month later and recorded it on my account nothing was deducted from principal, interest, or balance and nothing was added to escrow ( XXXX ). 
2. I was told at closing to pay my homeowners insurance ( {$820.00} ) myself with the escrow money sent back to me after closing, which I did. Then Home Point paid my homeowners insurance and took money out of escrow ( as should happen ). However, when the insurance company refunded the money to Home point the did not return it to my escrow account. 
These XXXX items total {$1100.00} that should have been in escrow but was not. I have contacted them several times over the last year allowing them their usual 4-6 weeks to investigate, but there has been no resolution. The last time I contacted them I sent copies of my account with the issues highlighted along with their letter to me telling me they had the wrong account number on my coupon at closing and asked them to re-audit my account. Their response was a letter from them 4 weeks later stating that my inquiry on of my account shows my next payment is due XX/XX/XXXX in the amount of {$1100.00}. The payment has increased {$100.00} per month because they said I was {$790.00} short of escrow money where I would have been ahead by {$330.00} if they had refunded the money they owed me. The {$330.00} would have been due to an extra payment I made in XX/XX/XXXX because they sent me a new bill within XXXX days of receiving my XX/XX/XXXX payment. 
I am XXXX years old, retired and on Social Security. With increases in my bills and no COLA increases in income I now do not have enough money to pay all my bills. I do not feel I should have to lose my house because Home Point Financial can not fix their errors and refuse to answer questions. 
Thank you for your consideration, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-21 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I went to XXXX XX/XX/XXXX - XX/XX/XXXX. The first night my card was fraudulently charged in the amount of {$1600.00}. The remainder of the trip, my account was in the negative. I attempted to call Chases 's international number numerous times and call would not go through. I also sent 23+ emails through the Chase app secure message feature. I also received emails appearing to be from " Chase Online '' but were actually from XXXX asking me to click on a link and that my account has been temporarily suspended. Chase contacted me Sunday night to notify me the {$1600.00} charge was not fraudulent, and that the merchant read my chip. I am now almost {$2000.00} in the negative from these fraudulent charges from a purchase I never made. Chase will not refund the charges, I was robbed and they 've done nothing to assist me with resolving the issue and do any further investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-13 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: TENET HEALTHCARE CORPORATION
State: FL

Complaint narrative:
On XX/XX/XXXX I was entered into the care of XXXX Hospital. This of course came with some bills, the one I 'm disputing is in collections for a total of {$3400.00}. I do n't even know what the charge is for specifically or the amount and can not find the information anywhere. Every other charge I incurred during my hospital visit was covered by my insurance company at the time, XXXX. I had had the insurance since XX/XX/XXXX, and I have the payments to prove it. I was told by XXXX customer service on several occasions to give them time to send the payment over to the collection agency or the hospital asking for the charges at the time. They later changed their story and said they were no longer going to pay, even though during XX/XX/XXXX and at the time of the hospital visit, I was paying a premium of {$570.00} every month for the XXXX plan. I 've had insurance with them for 2+ years and they left me in the dark thinking they were going to cover what they agreed to and what I 've been paying for but they did not. And my debts have now been sent to collections. I know that these debts are not to be paid by me, but by XXXX, I have been paying my premium for a reason, it 's their debt NOT MINE.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-17 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DC

Complaint narrative:
Bank of American can not provide assist me with my second mortgage that was charged off during the foreclosure in XX/XX/XXXX. I fought five year to keep my home in which the foreclosure was rescinded and I received a modification. First payment of the modification was XX/XX/XXXX. I tried to refinance last year due to the fact that my interest rate stayed the same ; 6.375 %. I was not going through BofA for the refinance. I was asked for the clear title for the second mortgage ; however, BofA can not provide me anything nor provide any assistance to how to get through this hurdle regarding the charge off. When I contacted BofA I was told that I could not refinance until four years of having the modification. However, I was told at BofA when I got my mod documents notarized I could refinance any time. The charge-off is to be removed from my credit report XX/XX/XXXX ( I have not check ) ; however, it still remains that I ca n't get any help on the charge-off of the second mortgage. I will be XXXX this XXXX and the high mortgage is creating a financial hardship. I could get some relief with a lower payment by refinancing and a lower interest rate. I fought to keep my house and those non-payments were added at the end of the modification, which I understand. I just want the charge-off cleared up so I can refinance. I really need some assistance in this matter. I wish I had known of CFPB when I was fighting to keep my home from XX/XX/XXXX - 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 2017-03-16 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: KY

Complaint narrative:
BANK OF AMERICA CHARGING ME FOR AN ADVANAGE ACCT.AT A RATE OF XXXX A MO.OF WHICH I DID NOT REQUEST NOR WAS I ELIGIBLE FOR STATED ACCT.THIS TYPE ACCT.REQUIRES A MINIMUM OF XXXX BE MAINTAINED IN THE ACCT.AND I DO NOT QUALIFY -- THIS HAS BEEN GOING ON APPOX.20 YEARS AND I ESTIMATE OVER XXXX IN EXCESS CHARGES -- ACCORDING TO THE BANK MANAGER THIS WAS MY FAULT FOR NOT CHECKING MY MONTHLY STATEMENT -- I THINK THE BANK AUDITERS SHOULD HAVE CAUGHT THIS MANY YEARS AGO AND CORRECTED THE SITUATION -- HOW MANY OTHERS DOING BUSINESS WITH BANK OF AMERICA ARE AFFECTED??? HELP!!!!!

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