vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-01-29 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
I had XXXX accounts with Navy Federal that went delinquent a credit card and a consumer loan. They were charged off accounts I started making payments I paid XXXX off in XXXX XXXX and the other XXXX XXXX received paid in full letters saying my credit report was updated and it has not been. I had no knowledge that the account paid in XXXX XXXX was still showing negative on my credit report I assumed it had been updated because that is what the letter said. I have applied for credit and bought a car not knowing this was still negatively affecting my credit. I called them twice regarding the account paid off in XXXX XXXX and XXXX representative stated with attitude it will not be done right away so I informed her that this account was paid over a year it should have been updated she stated would get it over to that department and it should be handled fast forward to XXXX XXXX I pulled my credit report and both accounts are still showing charge off unpaid and is negatively affecting my credit score. I called navy federal again was put on hold speaking with different representatives they informed me it would be updated now it is the end of XXXX and neither accounts have been updated.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-08 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: LendUp Loans LLC
State: CA

Complaint narrative:
In XXXX 2016, a check was sent to Lend Up ( dba Flurish , Inc. ) to pay off my installment loan taken out in XXXX 2016. The check was for approx {$300.00} more than was owed. Since then, I 've waited patiently for the refund of the overpayment. I have emailed their help desk and received canned responses with no concrete info given on the whereabouts of my refund. I 've also called twice and spoke to a manager who said within the next week, I 'd be receiving an email asking to have my address confirmed so they can make a check within the next 60 days. No email was ever received. That was 3 weeks ago.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-26 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: FL

Complaint narrative:
I received a permanent loan modification on XX/XX/2016 from Bayview Loan Servicing LLC. I made all the trial payments according to the requirements and signed a new loan contract with Bayview which detailed all the financial requirements of the new loan. All financials were provided and detailed and made available. I have been making on going on-time payments since that time. However, I recently received a statement requiring me to pay {$390.00} for a " Rec. Corp. Advance. '' I inquired about this fee and the agent said it was a bill that was due prior to the loan modification. Why was this not included, then, in my loan and made known to me then? I do not believe this bill is valid.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-03 00:00:00
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: HUNTINGTON NATIONAL BANK, THE - FIRSTMERIT BANK, N.A. BRANCH
State: OH

Complaint narrative:
I has an account with First Merit Bank. In XXXX 2015 I closed the account. In XXXX 2015, I received a text message from First Merit that I owed {$100.00} for an automatic deduction in XX/XX/XXXX made from my closed account and a late fee for not having money in my closed account to pay for it. I confronted First Merit asking them why they would indebt a closed account. They said I now owe {$150.00} since I have n't paid for the XX/XX/XXXX overdraw. I then asked them if a person walked in with a check written by me and tried to cash it after my account was closed in XX/XX/XXXX, would they cash it and they said no. 
What can I do? Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-10 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Monarch Recovery Holdings, Inc.
State: CA

Complaint narrative:
I am the debtor 's mother. I am handling this because he has been diagnosed with XXXX and can not handle anything at this time. 

However I am willing to pay this if it, in fact, his debt. But there number on the collection notice only gives me a message " All operators are busy at this time. '' No matter how many times a day I try to call. I do n't want to pay it unless I know for sure it 's my son 's debt. They do n't have his name on the collection notice correctly, so I need to talk to someone about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-06 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: CA

Complaint narrative:
I became XXXX in XXXX, XXXX, unable to make mortgage payments on time, and became late due to no income and XXXX. I started Bayview 's modification application process in XXXX, XXXX ( w/Bayview Finance after XXXX sold my account to them ). For the past XXXX months, I have tried to obtain a modification/HAMP modification, to no avail. On XXXX, XXXX, I was offered a modification with no changes, extending my loan to again 30 years and additional costs were added into the original loan. After requesting the reason for the HAMP denial from XXXX XXXX my act rep, he stated it was due to missing information. I submitted an appeal to Bayview 's HAMP escalation dept providing the documentation necessary to appeal. Last week I was told that they do not have the information necessary to approve again and to resubmit. XXXX, as advised by his manager, XXXX XXXX, they would submit just as soon as updated bank statements were provided. I 've done that, and am waiting. At the same time, I am receiving foreclosure notices from their foreclosure dept/company, XXXX XXXX. 

I 'm scared and need help. Ive done everything Bayview has requested ... more than once! I am also a XXXX veteran who was recently diagnosed with XXXX and have been XXXX for this illness and am in ongoing treatment for XXXX, suffer from XXXX XXXX, and several other XXXX illness. I do n't want to and ca n't lose my house!! PLEASE HELP because I 've done everything I can do in working this issue with my mortgage company on my own and now with the forclosure notice I received, I may be at risk now of being homeless. I am now receiving XXXX benefits from social security, am XXXX, and have Veterans benefits as well. I CAN afford my house and need to " fix '' the past late payments/fees ... and doing that through modification but Bayview is playing games!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-08 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: IL

Complaint narrative:
I have been dealing with Bayview loan servicing for a year now, and its been a headache. I had always made my payments on time and I always tried to catch up if I ever fell behind, but there is are situations that you have no control of. Before my loan getting sold to Bayview I had XXXX mortgage, they informed me that I had an escrow shortage and they were informing me that it had gone up {$7000.00}. How is this possible? Due to this going up higher, my mortgage payment went up higher and and I was unable to make the payments. I was paying {$1000.00} for my mortgage payment and they brought my mortgage payment up to {$1700.00}. I was never behind on my mortgage payment, and the taxes and insurance were escrowed with my payment. How can I fall behind? With Bayview I applied for a modification and they denied me saying that the delinquency was high and with the calculations they made they said that I had equity, but I dont have equity my home is underwater. I asked for a BPO and they did it but the person that went to do the appraisal didnt take in consideration the damaged roof, floor and windows. It was not a professional appraisal, he said he was there just to take pictures. When I asked Bayview to send over information on the recent appraisal of my property, they have not sent anything and its been more than a month. I was told over the phone that I was not eligible for the XXXX XXXX XXXX which includes principle forgiveness because I have {$4000.00} worth of equity. This is not true. i owe almost {$290000.00}. Before the appraisal they did on my property that I still dont know information about, my home according to them was worth {$240000.00}. I paid for an independent BPO and my property estimated value without taking the work needed on it in consideration is {$210000.00}. I need help and they are not giving me information.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-01 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: CA

Complaint narrative:
My house is encumbered by a mortgage loan that is serviced by Bayview Loan Servicing. They have been giving me conflicting information and the runaround for over one year and now have set a foreclosure sale date for my home on XXXX XXXX. They have failed to review my recent financial information which indicates a change in income as well as the tax documents that they had requested I provide. I feel that they are in violation of the California Homeowner Bill of Rights and should not be moving forward to foreclose on me without giving me the chance to be reviewed for government and internal programs. 

This is an adjustable rate loan that I took out with other members of my family to purchase this home in XXXX. I am an XXXX XXXX veteran and currently out on a medical XXXX and live here with my wife and XXXX teenagers. I ran into problems because of this bad adjustable rate loan that started going up ( could go as high as 8.87 % ) and was pleased to get a loan modification in XXXX, which lowered my payment a little over {$200.00} a month. We made those payments as agreed for over two years but then ran into problems in XXXX. My daughter, who had been helping with the monthly payments lost her job. In that same time frame I had a death in the family and had to go back to the XXXX and help out with the funeral expenses. And to make matters worse, the person I hired to be the property manager for my rental home was assigning repair jobs to vendors who were not approved with my insurance company -- -which meant I had to come out of pocket to pay them. I ended up going to court over this, but lost. Due to all of these issues we fell out of our approved modification in XXXX XXXX. 

We immediately began reaching out for help at that time, and have literally been going around in circles for 18 months and now find ourselves on the verge of losing our home. We have all of the requested documentation ( past income taxes etc. ) and I also have my military pension and VA Benefits. My wife is now earning more money and I am being approved for medical leave XXXX pay. With these new and increased sources of income, we are in a position that we can afford a fair mortgage payment and this situation could be resolved. Bayview, as a recipient of bailout funds in the state of California, is required to review our current financial circumstances prior to a foreclosure auction sale. This has not happened, and I feel that our dedicated contact XXXX XXXX from Bayview is purposely denying us options. She asks for numerous documents and engages in communication, then tells us we ca n't get any help. Shortly after that we get numerous letters telling us that we qualify for help and to call in and send in our documents for review. It is confusing and wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-05 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: CA

Complaint narrative:
SOS Emergency Help for Homeowner Family in XXXX XXXX effected by the Gas Leak and a Predatorial Debt Collector Bayview and XXXX XXXX their California XXXX " trustee '' who does not follow nor honor State and federal Law. 
There was an illegal foreclosure sale on our home on XXXX XXXX, XXXX conducted by " XXXX XXXX '' trustee who knew we were in a dispute over the alleged debt with " Bayview '' and " Bayview '' themselves. We want and need that illegal sale to be cancelled and reversed. They sold it illegally and broke California state and federal laws. We need emergency help. We need this escalated to the right legal department of the CFPB. We have a whole family with children. 

It all started, when we were working with XXXX, then XXXX XXXX XXXX, then Bayview to validate the alleged debt with QWR and other requested information. I submitted a loan modification packet several times. Instead of providing the information as required by the Home owner Bill of Rights and California law, they attempted to sell my home on XXXX XXXX, XXXX We filled a complaint XXXX with the CFPB and Bayview backed off the sale and told us to get in touch with XXXX XXXX the account manager at bay view for the loan modification. We were working with her for several months providing her with all documents she requested. Then it was switched to another account manager. We cooperated fully thinking we are getting a loan modification and thinking everything is okay. Then suddenly on XXXX XXXX, XXXX we found out that they allegedly sold our home without any notification, proper notice, nor any communication. We called them and wrote to them and gave them the opportunity to ( rescind ) the illegal foreclosure sale and to reverse their actions were in violation of the California home owner bill of rights and other state and federal laws. We need help. This is an emergency and we need to stay in our house my family has XXXX XXXX kids and we can not lose this home. ( Please help us )

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-29 00:00:00
Product: Mortgage — Other mortgage
Issue: Settlement process and costs — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: CA

Complaint narrative:
I 'm a XXXX who performed work as per agreed contract proposal, however the property was foreclosed, and sold in the middle of construction, the insurance company paid the mortgage company in full for the Accident Repair work to be performed, the mortgage company sent a " Conditional Waiver and Release of Lien '' for me to sign and send back. I was also instructed to await the agreed final payment and to cease all work, I did as directed. I sent it back XXXX XXXX, 2015 ; however I still have not been paid as promised ( stated on conditional lien release )

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-24 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY
State: NE

Complaint narrative:
I am no longer a Wells Fargo customer. I received my social security back payment statement saying I was ineligible for back benefits for XX/XX/XXXX/ XX/XX/XXXX/ XX/XX/XXXX/ XX/XX/XXXX. When I examined the amounts I realized that accounts were opened that I never had and large amounts of money were in those accounts. I have been unable to work since XX/XX/XXXX. This is causing a major problem with my benefits.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-18 00:00:00
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: Platinum Holdings Group, LLC
State: NY

Complaint narrative:
I owe a debt for a watch I bought on credit. When the company contacted me, I authorized them to speak to my wife as they kept calling me at work. Even after my wife began contacting them, they continued harassing my sister. My wife requested in writing for them to cease phone contact and to contact us via email or US mail. They have continued to ignore that request. My wife put together a proposed repayment plan, which they accepted and then attempted to verbally change via the phone by speaking over her and acting in a confusing manner, so my wife politely ended the call and contacted them via voicemail and email to again request all orrespondence be done in writing, and for them to send the agreed upon arrangement in writing so that we have a record of what we agreed to. We have not received that. Today my wife again emailed and asked for this, and reminded them to not call, and XXXX minutes later they called anyway. We have NOT received the payment agreement that they agreed to in writing at all and they continue to ignore our requests for it and continue calling and trying to bully her into giving them our bank account information over the phone. We want to pay off this debt, but I want the agreement IN WRITING so they can not come back later and say we didnt follow the agreement, and I certainly do not want my bank information given to someone who is refusing to give us the agreement in writing, I do not trust them with this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-28 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: MA

Complaint narrative:
On XXXX XXXX, 2016 our mutual client received correspondence from Wells Fargo stating that they had received our request for a short pay off. They stated they needed a Letter of Hardship and Verification of funds which was sent and received on XXXX XXXX, 2016. The letter also stated that it would take 60-90 days to review for the request. As we waited for a response we never received any updates or response from Wells Fargo until XXXX XXXX, 2016 declining our request. The borrower showed a valid hardship which included the death of their only daughter. The borrower also requested to settle the debt for {$450000.00} which is more than a considerate amount. Before he knew it there was a sale date of XXXX XXXX, 2016 placed on his home and he scrambled to gather documents for a loan modification because he so desperately wants to keep his home. After submitting all the requested paperwork by XXXX XXXX, 2016, the investor has still denied any review for retention options. Wells Fargo re-entry team has denied all retention options for the client for no reason. The borrower has sufficient income and provided all the documents in a timely manner. Due to Wells Fargo not getting back to us within the expected time frame we are now here at this point. Wells Fargo has violated CFPB rules and regulations and has continued to do so without repercussions. There is a good reason why they seem to be on the news every other day about lying to borrowers and not having their best interest.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-11 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY
State: MO

Complaint narrative:
XX/XX/2016 I closed XXXX of my Wells Fargo accounts. XXXX closed without issue and I had a pending charge on XXXX so I had to wait for it to clear before I could close it. The charge went through and I called back and closed the account. I assumed that was the end of it. Several months later I received a collections notice for {$210.00} from Wells Fargo for the account. I called Wells Fargo and they told me to file a claim and they would look into getting it reversed. 3 weeks later I received an email saying that I should consider the matter closed. I figured that was the end of it then I received yet another collection notice from Wells Fargo for {$210.00}. There was a charge from XXXX that was auto pay and I had forgotten about it. Once I got the collection notice I cancelled my membership to XXXX and I was told over and over by the people at Wells Fargo Customer Service that they would just reverse the fees and call it even. I assumed that was what they were going to do but they are coming after me to {$210.00} worth of fees for an account I was under the impression was closed XX/XX/2016. I am being told by WF Customer Service now that they ca n't do anything and that I will just have to pay it.

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