vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-04-15 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Freedom Mortgage Company
State: TX

Complaint narrative:
I currently have my loan under Freedom Mortgage and under contract through them pay into an escrow account that is to be withdrawn in the amount that is due for property taxes for my home. My taxes were due on XX/XX/2017 for XXXX County TX, when viewing my Freedom Mortgage 's website I see a transfer for the full amount and a very brief transaction message that only displays the day " XX/XX/2017 '' that the payment was " supposedly '' sent, however the county has received no such payment, in fact I have had to play the middle man with the tax collector and freedom mortgage for the past 2 months, and nothing has been fixed, I 'm being riddled with late fees, and if this is not fixed soon, I could lose my house. Freedom Mortgage has offered little to no aid when I call in, and they are not treating this issue with the urgency that is required. I need this fixed, and I need your help to do 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
Consumer complaint received 2017-04-14 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I was not approved for a transaction I was purchasing with my credit card one day last summer, and when I called the bank they stated the account was on hold for a bankruptcy. I then went to get my credit report from online and saw a bankruptcy and judgement that I have no knowledge of whatsoever. I then went to file a police report, I sent documents including my FTC affidavits and dispute letters which I sent to the alleged creditors and it appears they are in some kind of ponzi scheme or false deception against the people to not disclose valid information or not investigate validate any proof verified and signed by a witness of a notary. The reporting agencies are not following lawful procedure. The information being reported is not accurate information. I have been a victim of fraud and contacted the FTC all these illegal actions are hurting me and my family. I have never filed for any bankruptcy at any time and do not know how all these accounts are being opened in my name fraudulently. This item did not occur as presented. Please contact the government agency that is reporting it to verify the detatils, if you do not remove it from my records provide me with written proof of every detail shown in your entry. This is some information I have requested from this credit reporting agency, and I 've yet to received any correspondence about the fraud to be removed.

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 2017-04-11 00:00:00
Product: Credit card — 
Issue: Late fee — 
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
Did not receive XXXX paper statement in mail. Confirmed US Mail option is checked. Called cust serv. CSR said that paperless option must be checked. Not true, I 've historically received paper statements and I confirmed before calling Citi that paper option checked. They refused to credit {$25.00} fee. I cancelled this CC account. Very disappointed in Citi as this appears to be fraudulent and a means to a money grab.

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 2017-04-14 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: I.Q. DATA INTERNATIONAL, INC.
State: TX

Complaint narrative:
The place where I lived before now says I owe them over {$5000.00}. This is after the fact that I had already received my security deposit back.

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 explanation
Consumer complaint received 2017-04-13 00:00:00
Product: Credit card — 
Issue: Transaction issue — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR

Complaint narrative:
My husband was paying on line and accidentally missed the decimal point. The bank took XXXX They also took {$300.00}. The {$300.00} was the correct amount. The error was noticed right away and the bank was notified over a week ago. They have not returned our money. They say they need to research it. This is almost all the money I have in this world. I can not live with no money and they are not returning 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 monetary relief
Consumer complaint received 2017-04-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: Nelnet, Inc.
State: CA

Complaint narrative:
I am being billed by Nelnet and XXXX as well.I just had a ChapterXXXX discharged in XX/XX/2017. I think I am being double billed?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-11 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
Someone attempted to open a XXXX XXXX Credit Card using my identity on XX/XX/XXXX, 2016. When I got an alert, I called XXXX and the application was deleted. The hard inquiry on my credit report, however, remains. I have informed TransUnion that this is in error due to identity theft and I never authorized the application. TransUnion told me I needed a " Delete '' letter from XXXX. XXXX told me that they have no record of the application and can not issue a " delete '' letter. TransUnion has told me that, without that letter, they will not remove the inquiry.

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 2017-04-17 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
I want to sumbit a complaint against Navient. I have been paying on my loan for years at XXXX a month with no end in sight. They just raised my rate to 7 % and when I called for help they told me there is nothing they could do for me, would not tell me how high they can raise my rate or how often, they said the only way I can help myself is by paying off the XXXX loan I have with them. They are criminals. They are the worst company and I do n't know how they get away with doing this to people.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-17 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: OR

Complaint narrative:
XXXX XXXX turned our account to Select Portfolio Servicing in XXXX between XXXX of 2016. No explanation why our account to Select Portfolio Servicing.SPS Office has no idea what they were doing to read the system. I answered the system to accept the monitor on recording our conversations. SPS told me that they will not accept our personal check toward the Principal. They requested us in writing to ACH Withdrawal and I faxed them and they were supposed to add Property Tax into Escrow has not set up. I faxed again to requested the ACH withdrawal {$800.00} and set up on due date every XXXX of month. Since We were with XXXX XXXX. Select Portfolio Servicing, did not set up and without us knowing that they went ahead withdrew on XXXX of XXXX XXXX which i was charged by my bank and my bank overdrawn fee refund back in. SPS Office admitted mistakes on recording and supposed to credit it back in our acct. They withdrew {$700.00} on XX/XX/XXXX not following my instruction that i requested {$800.00} on XXXX each month. They keep asking me to send in writing to request again. I was so angry with them keeping asking in writing. I faxed few times to them for requested to withdrawal on due date and extra money to principal and escrow account. Select Portfolio Servicing Office these people do not know what they are talking about and I feel these people has no knowledge about our account history with XXXX XXXX. I was supposed to receive the lower interest by XXXX from 6.4 % to 6.1 %. SPS has no idea what I was talking about and they do n't even have no clue and said that the system shows. I feel there is something is not right and I do not know why XXXX turned our account to other companies that are working under the XXXX?? I believe there is a lawsuit against XXXX and I feel someone needs to investigate this company Select Portfolio Servicing.I want this solve the problem with them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-12 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
Citibank has checking accounts that demand a $ XXXX monthly service charge unless you have a monthly bill pay. I set up a bill pay for {$15.00} a month on the XXXX of the month to land before the end of the billing cycle. This was set up years ago and was within plenty of time of the bill cycle ending. Over time the billing cycle end day crept closer to and closer to my bill pay date and eventually I started accruing service fees when the billing cycle ended before the XXXX of the month. I set up my bill pay in good faith with more than enough time before the cycle end date. It is not my fault that the billing cycle is before the XXXX now, years later. I believe this is an unfair and deceptive practice and I am willing to bet there are many customers who are paying money for this UDDAP violation. 
Citibank did not go to any length to assist me or warn me of this. When I called, I advised Citibank should change their billing cycle date and I should not have to make changes from their erroneous business practice. They did not take my complaint seriously. Any date that has a monthly service refund fee will be the dates I logged this complaint. I begged the customer service to log my complaint but they refused along with refusing to change my billing cycle.

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 2017-04-16 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Well I have been victimized f identity theft for years. Every since then I been trying to stay on top of my credit file. So Transunion credit agency have deleted some f my information and my inquiries and two days later they put them back on with other withou y knowledge I have talk to the supervisor nd she said she will take them all back off and I waited and they still on my credit file. Now since I talk to the Fraud department I just get the run around. I have all kind of letters from errors or dismissals and a police report stating me being victim of identity theft.Can you please look into this matter. Thank you. And I have others if needed

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 2017-04-17 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Home Point Financial Corporation
State: DC

Complaint narrative:
I sold my home and closed out my loan with Home Point Financial on XX/XX/2016. I have received documentation from the company that my loan has been paid in full. However, Home Point has failed to refund my escrow account. Four months after paying off my loan, the company owes me {$3100.00} in escrow refunds. I have contacted the company repeatedly to obtain these funds and Home Point acknowledges that it owes me this money. However, the company claims that they have mistakenly been mailing the escrow refund to my old address, despite my many and repeated attempts to update my mailing address. I have called customer service over and over again, and every time I call them they claim that the address update did n't go through and they somehow mailed the check to the wrong address, but they will absolutely correct the mistake, cancel the old checks, and expedite the mailing of a new check to my current address. The last time I called them and received this story was a month ago, and I still have not received the refund check. Nor have I been contacted by the company. 
After so many attempts on my part to obtain these funds from Home Point Financial, I believe that the company is acting in bad faith and is attempting to withhold the escrow refund that I am due. It is now months late and there is no reasonable excuse for the company 's failure. I will be very grateful for any assistance that the CFPB can provide. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-13 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC.
State: NJ

Complaint narrative:
I currently have $ XXXX in private student loan debt initially with XXXX XXXX and since has changed to Navient. The payment asked was {$1400.00} and change per month. 
Through various attempts and requests for programs to make my payment something manageable, I was awarded two back to back rate reduction plans that brought my interest rates to 3 % ( but only on XXXX of the XXXX loans ). The payment was reduced to {$710.00} a month. 
This amount was barely manageable, but I made it work to keep my credit in good standing. I contacted Navient at the end of the most recent program enrollment ( scheduled to end XX/XX/2017 ) and was told my payment on the same XXXX loans if we did nothing would be {$1200.00}, which is clearly far more than I had been paying and again not feasible. The best payment offered was {$840.00}. This amount is still a large stretch for me. After going through all the financials the representative even asked how I pay my bills since my expense to income ratio was negative. If that is the case how can I afford {$840.00}? 
My " normal '' interest rate is 10.25 % on some of these loans, 10.25 %. That seems excessive and far above the current interest rates. At that kind of rate, paying off my loans in my lifetime is not possible. There has to be something that can be done in the private loan sector to alleviate this kind of pain. I do not disagree I owe back the {$70000.00} I borrowed, but at what cost? Owing over {$100000.00} in just interest alone is crazy. 10.25 % is predatory by all accounts of the word.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-16 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC.
State: OR

Complaint narrative:
I went to XXXX in XX/XX/XXXX-XX/XX/XXXX i graduated with my XXXX degree. when i first signed up for the school the recruiter told me that they where a accredited school i later found out after spending a over a year enrolled with them that was not the case. i was aslo pushed into taking high intrested loans to pay for my time with the school im now over XXXX in debt and un able to pay my student loads facing wage garnishments and struggling to pay for my living expences. navient holds my personal student loans that have an 10 % and a 12 % intrest rate on them. double the fedral rate i hope that some one reads this and i hope that some one can prevent this from happening to some one else. if there are any programs that can help me please let me know and also any pending lawsuits against XXXX i would like to join them.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-11 00:00:00
Product: Debt collection — Payday loan
Issue: Communication tactics — Used obscene/profane/abusive language
Company: BlueChip Financial
State: CA

Complaint narrative:
Highly rude! Called my place of employment 4 times in a row speaking to different people. Left a voicemail stating that i will be sued and he will be faxing personal paper work regarding my debt to my HR Dept in 48 hours. After calling XXXX back he proceeded to speak to me like a was an stray dog. I asked to speak to someone else. Even after doing so he proceeded with his disrespectful tone. Totally stressed me out the rest of my work day. Odd collection practices and I never once refused to pay. Something is wrong with this guy!

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 explanation
Consumer complaint received 2017-04-17 00:00:00
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
All of my bank accounts at Chase had the money transferred without my knowledge to different accounts leaving me with a {$0.00} balance in every single account I had with Chase. My credit card account was changed including updating my email and asking to have a fraud alert added to the account. Chase then proceeded to notify a XXXX party who was committing fraud on my account of my new information causing continued distress and financial loss.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-13 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: CA

Complaint narrative:
I became a Client of Nationstar mortgage thru a transfer involuntary because XXXX sold it to them.XXXX XXXX XXXX. I din not refinance with them nor sign any documents.upon applying for a reverse mortgage.IT WAS ADVISED THAT I HAD DONE A REFINANCE WHICH IS FALSE PUTTING A 50 LOAN ON THE PROPERTY .WHEN THE SALE TO NATIONSTAR.I HAD ONLY 10 YEARS LEFT ON THE MORTGAGEWHEN I CALLED NATION STAR TO LOOK AT THESE DOCUMENTS FOR A REINANCE. THEY FAILED TO SEND ME COPIES OF THESE DOCUMENTSAS WELL THAN SENT THE CREDIT BUREAU ERRENOUS INFORMATION REGARDING MY PAYMENT HISTORY TO AVOID ME FRM PROCURING A NEW LENDER ANR OR OBTAINING A REVERSE MORTGAGE. I PURCHASED THE HOME OVER 20 YEARS AGO WITH XXXX .NO LATE PAYMENTS.THEN BE TRANSFERRED TO NATION STAR AND HAVE BEEN FRADULENTLY HAVE ON RECORD A REFINANCE THAT I WAS NOT AWARE OF.IN ADDITION MY XXXX A WEEK Apart and I was left with XXXX XXXX ca.during my XXXX A COUPLE MAI AND HER HUSBAND STATED THEY WERE UNABLE TO OBTAIN FINANCING DUE TO THEIR BEING IMMIGRANTS FROM XXXX XXXX BECAUSE I HAD THE PROPERTY ON XXXX XXXX CA OF WHICH I WAS ALLUDING TO REGARDING XXXX TRANSFER TO NATIONS STAR AND BEING A XXXX. I WOULD ASSIST THE XXXX IN PURCHASING THE XXXX. XXXX CA. 
THEY PAID THE AGREED MORRTGAGE PAYMENT FOR 1 YEAR.I SENT SEVERAL PHONE CALLS AND LETTERS OF WHICH THEY NEVER ANSWERED.I CONTINUED TO PAY THE TAXES FOR SEVERAL YEARS AND THEN AFTER DISCOVERED THEY HAD A RESTURANT ON XXXX OAKLAND. 1000 FEET FROM THE XXXX.AND UNBENOWEST TO ME HAD A REAL STATE LICENSE. XXXX AND NOW IN XXXX CA. AS WELL AS FOR YEARS HAD THE PROPERTY XXXX.XXXX CA XXXX ON XXXX WHEN THEY HAD STOPPED PAYING ME AND LISTED IT AS HAVING PAID ME IN FULL WHICH WAS FRADULENT.I AM A SENIOR HAVING HAD XXXX AND SEVERAL EPISIODES OF PENDING DEATH. ENOUGH IS ENOUGH.I AM ALMOST XXXX YEARS OLD. I NEED THIS FRAUD ON XXXX AND XXXX INVESTIGATED. XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-12 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: U.S. BANCORP
State: OH

Complaint narrative:
Received an incoming call from a local phone number ( XXXX ) XXXX. Attempted to reach the number back, but unable to receive incoming calls. Received a voicemail that had an " unknown '' listing as number called from. Per the message, someone was trying to confirm my availability to send documents to be signed for litigation and garnishment purposes. Called ( XXXX ) XXXX and spoke with a rep named XXXX who by the way only answered the phone by saying " Litigations, how may I help you? '' Stated she was my account manager. She began to speak on XXXX accounts from US Bank ( XXXX, and XXXX ) that both closed in XXXX and was charged off back in XXXX. When I asked when did her office obtain these closed accounts, she stated about 60 days ago. Not to mention those accounts were included in a Chapter XXXX bankruptcy on XX/XX/XXXX, and XXXX on XX/XX/XXXX. She proceeded to say they never got any notice and garnishment forms will be forwarded to my place of employment. Never did she ask to confirm my address, only that the balance due with interest in {$2800.00}. She declined to obtain my attorney 's name and contact information, or even the case number. She said he will need to reach her. Now I 'm puzzled because it dawned on me, this number is clearly unlisted as I 'm on someone else 's phone plan. I asked where was the initial notice, she told me to have a great day then hung up. A few hours went by, and I called back, after I called US Bank to confirm the selling of an account after bankruptcy. They confirmed they do not outsource accounts, especially after stay granted by the state. The party from the litigation 's team declined the name of the company for online review, but instead called me a criminal once I said the call was being recorded for my protection. Stated I was breaking the law, and was not permitted. When I asked was he recording me, he said only criminals do that. And my reply to that was, for your protection you should, especially if you 're throwing around court litigation on accounts that were discharge back in XX/XX/XXXX. I asked about statutory limits on collection activity, he said you still owe. I advised him he 'll never get paid, again calling me a criminal.. I hung up the call. I called a third time, and spoke with a different rep, who was very hesitant to provide the company name, until I acted like I wanted to pay and discovered the name to be XXXX, CA. Once she realized I was n't falling for it, the call was transferred mid call to the original " XXXX '' who began to argue with firmness. I disconnected the call and found this site from a previous complaint from Google.com

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