vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-09-24 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Diversified Consultants, Inc.
State: TX

Complaint narrative:
I have filed a requested debt validation letter to a company called Diversified consultants. I received a letter back showing a statement only, from the original creditor with no signatures or copies of information I requested on XX/XX/2018. I resent another debt validation letter with a ( POA ) on XX/XX/2018 email. A certified letter was also sent and received by their office on XX/XX/2018. Diversified Consultants have failed to validate the debt as requested with the information we originally requested from the first letter on through the third letter. I have tracking number and emails to prove my complaint. In Texas you can request a validation of debt within 5 days if finding a mistake from our original validation request. Diversified Consultant has failed to re-send our requested validation of debt in a timely manner.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-24 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: FL

Complaint narrative:
Last week on XXXX XXXX I paid off my HELOC loan in full sending a cashier 's check in the amount of {$18.00}. XXXX based on payoff figure provided by Ditech. I send XXXX by overnight mail. Tracking shows it was received on Tuesday XX/XX/2018. To date they have not applied my payment nor closed out the loan pursuant to the letter enclosed. I called. last Thursday and was told that by Friday it would show as paid off as of the date received. I waited until Friday and was told wait until Monday. I called today and was told by XXXX that they applied my payment to a dummy account and that she sees the check and sent an email to the appropriate department and wait three days and payment should be applied. I am tired of being given the run around. I will attach copies of proof of payment, mailing and receipt.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
I've tried several times to settle the debt starting back in 2016 they have not only been rude but has harassed me also since then. Because of the mistreatment and the company not willing to settle the account. Contacting the CFPB is my last resort to end the cruel treatment I have received from this collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-24 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Earnest Inc.
State: NY

Complaint narrative:
I refinanced my student loans with Earnest. Today they sent out an email that they are changing how auto payments can be scheduled. According to them : " Starting on XX/XX/XXXX, biweekly Auto Pay will not be available. '' To top it off, changes to Auto Pay now have to go through contacting customer service instead of being managed directly online.

Effectively Earnest is going to make loans harder for everyone to pay. I enjoy my biweekly auto payments because it helps me pay everything off faster.

The email reads : " Moving forward, Auto Pay can only be scheduled for the XXXX of any given monthother days will not be supported. If your current Auto Pay date falls within that range, no action is required. If it falls outside this range, please sign in to your Earnest account by XX/XX/XXXX to choose your desired payment date between the XXXX and XXXX. If your XXXX Auto Pay date is outside the supported range on XX/XX/XXXX, your payment will be automatically pushed to XX/XX/XXXX. 

After XX/XX/XXXX, changes to your Auto Pay dates must be made directly with our XXXX XXXX team, rather than through your client dashboard. Well keep you posted once you can do so through your dashboard. 
Starting on XX/XX/XXXX, biweekly Auto Pay will not be available. Any clients paying twice per month are requested to sign in to their Earnest account to select a new monthly payment schedule. If you dont do so by XX/XX/XXXX, the system will automatically select a payment date that will be at least a month after your last biweekly payment. We are exploring a number of alternative biweekly payment options between now and XX/XX/XXXX. We will update this Help Center article in the coming weeks once we have settled on a solution. 
Rest assured that the terms, conditions, and benefits of your Earnest student loan refinance have not changed, and neither has access to our team of Client Happiness experts. More details on whats changing can be found in our Help Center article here. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: MOHELA
State: LA

Complaint narrative:
I have XXXX closed student loan accounts showing up and they were paid and Ive contacted the creditors to remove the inquiries, I also am needing to dispute recent inquiries

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-24 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: AMERICAN HONDA FINANCE CORP
State: NY

Complaint narrative:
Honda Financial Services called my house. 
Number that called me : XXXX Number I was told to call : ( XXXX ) XXXX Someone by the name of XXXX called me and said to call him back as this is an urgent matter. I researched the number and there were many sites saying that this was a scam, that uses Honda financial services but has no affiliation with Honda at all. I called Honda themselves and they said they have no numbers in there system with the numbers I listed. I believe this is a company trying to scam people into collecting fake auto debt and I wanted them to be looked into.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-24 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: First Associates Loan Servicing LLC
State: NY

Complaint narrative:
XXXX XXXX took out XXXX XXXX loans in access of {$40000.00} around XX/XX/2010, Interest as high as XXXX percent on one loan. XXXX wont work with me to offer lower payment options. I have used their forbearance period for all 3 loans.I pay over {$800.00} per month.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I was looking over my credit report and realize that I have a lot of enquiries that did not belong to me. I sent the letters on XX/XX/2018 to XXXX and Experian to please investigate in this I also send out mail to the creditors as well but have not gotten a response from any of them it's over XXXX inquiries and different dates that doesn't belong to me, I also put a freeze on all my bureaus because someone is running my credit or using and I'm looking into getting a report or something done to figure this all out. 
I feel that that this very wrongfully that they're doing this to me as under Section 609 and section 623 I do have the right to dispute anything that's inaccurate under FCRA, I am trying to get on the right path with my credit far as purchasing a home soon I really need this to be taken care of please help XXXX  Experian has given me a hard time and I'll show them all proof as I can with all my identity I sent out letters within a couple of days they said they would not.

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 2018-09-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
Capital One Bank ( USA ), N.A. 
XXXX XXXX XXXX XXXX, NC XXXX XXXX. 

XX/XX/2018. 

i AM TRYING TO BUY A HOME. 

XXXX XXXX XXXX ISSUED ME A CASH REFUND ON XX/XX/2018 FOR {$3400.00} TO MY CAPITAL ONE CARD ENDING IN XXXX. CAPITAL ONE SAID THEY WOULD SEND ME A CK IN 10 BUSINESS DAYS. THEY DID NOT. WHEN I CALLED THEM YESTERDAY THEY ADVISED ME THAT THERE SYSTEM HAD BEEN DOWN AND THEY WERE NOT ISSUING REFUNDS. THEY THEN ADVISED ME THEY WOULD PROCESS MY REFUND CHECK AND SEND IT OUT IN 10 BUSINESS DAYS IMPACTING MY ABILITY TO CLOSE, WHEN I SPOKE TO A SUPERVISIOR AND EXPLAINED MY PROBLEM SHE HUNG UP. 
I CLOSED THE ACCOUNT ENDING IN XXXX HOPING TO SPEED UP THE PROCESS BUT NOW THEY SAY I HAVE TO WAIT 60 DAYS. I WOULD LIKE MY REFUND OF {$3400.00} ; MY ANNUAL MEMBER FEE RETURNED OF {$39.00} AND MY DUE ON SALE REWARD DOLLARS OF {$51.00}. THIS AMOUNTS TO {$3500.00} SO THAT I AM NOT HOMELESS.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-24 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Diversified Recovery Services Inc.
State: CA

Complaint narrative:
Company calls repeatedly. I have told them that I do not have a job and can not pay what they want due to all my accounts with multiple creditors being in collections. 

They then turn to " oh I'm calling you at this number and you are answering so that means you have money ... Who is helping you, where are you living? You can obviously afford a phone and food so who is helping you where is money coming from ". How would you like to pay this debt today. We need a payment today.

Company response to consumer: Untimely response
Consumer complaint received 2018-09-24 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
On XX/XX/XXXX, I was online at the XXXX website intending to purchase XXXX DVDs of seasons of " XXXX XXXX XXXX XXXX XXXX ''. During the process, I received an onscreen message that I had become a member of " XXXX XXXX ''. From what I recall, I stopped the process and called XXXX and told them to cancel everything. I didn't want the order and I certainly didn't want to become a member of " XXXX XXXX ''. I was assurred the account was cancelled and the order was cancelled. I then got back online with XXXX and used one of my credit cards to purchase the disc. A couple of days later, the disc arrived by XXXX, and I waited to pay my credit card bill. I never saw such a charge on any of my credit cards. Then, THREE MONTHS LATER ( XX/XX/XXXX ) I received a statement from Synchrony Bank/XXXX  in the total amount of {$100.00}, consisting of a " previous balance '' of {$68.00}, " Fees Charged '' of {$35.00}, and " interest charges '' of {$1.00}. Meanwhile, during the three month period that had elapsed, I received nothing from Synchrony Bank/XXXX XXXX., no statements, no bills, no credit card, etc. Yet, three months after the transaction I cancelled, they want to bill me {$100.00}. This is a grossly unfair business practice and I'm not paying them XXXX cent. If they want their DVDs back, I'll send them if they pay the shipping cost. But, to send me a bill three months after the cancelled transaction won't work.

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 2018-09-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Home Point Financial Corporation
State: IL

Complaint narrative:
On XX/XX/18, my husband and I purchased our home using {$360000.00} of mortgage proceeds from XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The purchase price of the home, supported by the appraisal, was {$400000.00}. At some point in the next several weeks our mortgage was sold to Home Point Financial Corporation. On XX/XX/18, after selling our condo, we sent certified funds of {$39000.00} to Home Point to pay down the principal of our loan. This payment, along with the regular monthly payments to date, brought our XXXX ratio down to 80 % based on the original value of the home. We also provided a check for {$150.00} for a new Broker 's Price Opinion to verify the value of our home and requested the removal of the private mortgage insurance of $ XXXX. However, the XXXX provided by the company engaged by Home Point showed a new home value of {$350000.00}, a drop of {$49000.00} in less than 6 months. Upon closer review, it became apparent that the XXXX used inappropriate comps. Our home is a rowhouse with no association fees, but the XXXX only used townhouses with association fees as comps. The presence of association fees has a significant impact on the value of the homes. I brought this to the attention of Home Point via email on XX/XX/18. After repeatedly following up, I finally received a response from Home Point on XX/XX/18 stating that the XXXX is accurate and we would need to pay another $ XXXX in order for the PMI to be removed on our mortgage. I've asked for further information regarding the XXXX but received no response. I've also asked for the contact info. of an individual at Home Point, but only receive unsigned communication from a general Home Point email address. We have made all required monthly payments before they were due. We can not help but wonder if Home Point is getting a kickback from the private mortgage insurance provider by ordering erroneous XXXX 's and refusing to remove PMI requirements.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Pacific Union Financial, LLC
State: NH

Complaint narrative:
I lost my job in XX/XX/XXXX during my maternity leave. By XX/XX/XXXX, we were falling behind on our mortgage payments with Pacific Union Financial , LLC. 

We started the application process for a loan modification through their Loss Mitigation department in XX/XX/XXXX. We continued to check in on our application and submitted and re-submitted paperwork as needed. During this time, we continued to receive certified letters from the lawyers about our house going through foreclosure. However, we thought our loan modification would stop the foreclosure. As of XX/XX/XXXX, our application was under review by the underwriter, and I was informed we would hear back soon. 

On the morning of Friday, XX/XX/XXXX, at XXXX, cars lined up outside my home, and the house was auctioned off as my young children and I sat inside. I called Pacific Union as soon as I realized what was occurring, and I was informed that our application was denied on XX/XX/XXXX, and a letter was mailed to us to let us know. We had not received the letter, as letters from Pacific Union typically arrive XXXX days after they are dated. The reason for the denial was listed as insufficient debt-to-income ratio. They denied our application, and we were not given sufficient time to stop the foreclosure from happening. I asked to speak to a supervisor, and hours later, one contacted me to just say that they sent me a letter, and thats all they could do. 

Furthermore, when the denial letter did arrive from Pacific Union, one of the reasons were denied Type I Special Forbearance was that I was listed as no longer unemployed. This is not true. I specified that I am looking for a job, but I never indicated that I had found employment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-24 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: ORG GC GP BUYER, LLC
State: TX

Complaint narrative:
On XX/XX/2018 at XXXX pm, GC Services called my son from number XXXX looking for me stating it was a " personal business matter '' and that they had my son 's number, " XXXX '' as a valid contact for me, which is not possible since I have never given anyone that number as a valid contact for me, nor is he on my loans as a contact, since at the time of the debt he was XXXX years old. He only recently turned XXXX. 

This is harassment and I would like to press charges.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: NM

Complaint narrative:
I am attaching a chat transcript of my efforts to resolve the situation. 
I signed up for XXXX XXXX American Express card in XX/XX/XXXX. The promotion offered XXXX point with the possibility of earning another XXXX points if I used the card to make qualifying purchases in a certain period of time. On XX/XX/XXXX I first inquired as to why I had not yet earned the points. I was told to check back later. In the chat session I was told that I had indeed qualified for the points. Weeks passed, still no points. I inquired again only to be told that a formal investigation had not been opened. Weeks passed again, still no points. I contacted them again on XX/XX/XXXX and got the same promise and to check back in exactly 7 days. 

This seems like a bait and switch to me. I have no balance on the card. I have paid it off every month after making purchases. I think I have waited long enough for it to be resolved.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-09-24 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
I paid off my XXXX  card in XX/XX/XXXX with tax return money. I called their number, got the balance and sent the payment. After I called, XXXX added a {$4.00} interest fee. I thought the card was paid off. I did not make any other payment to XXXX as I thought I had paid off the card. In the meantime they started charging late fees in amounts more than what the actual unpaid interest was. Once I realized what was happening I contacted the company and asked them to fix the fees and I would pay the {$4.00} I missed, which I paid. They refused to remove the fees and have since charged more and more fees and interest bringing the current balance on the card to {$110.00} as of XX/XX/18. That's all interest and fees on a {$4.00} interest charge that went through after I paid the card off. I have since paid them {$5.00} ( I thought that was the fee but it was actually {$4.00} ) I cancelled the card in XX/XX/XXXX and they are continue to add late charges to a closed account. I do not understand how a bill in an actual amount of {$4.00} can now be {$110.00} in interest and fees. It's crazy. I do not want to pay them any more. I have closed my account and they are still charging fees. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: NATIONSTAR MORTGAGE LLC
State: FL

Complaint narrative:
On XX/XX/2018 mr cooper reported delinquent account for my mortgage that was placed in a loan modified /fed govt plan. On or about XX/XX/XXXX i discovered that this had happened when applying for a mortgage. I contacted the bank and made them aware of the problem on XX/XX/XXXX. At that time i was made aware by them that they had made a mistake by reporting my loan 90 days late which has prevented me from getting my new mortgage. Person at the time XXXX her Id XXXX was the one that confirmed this and told me that she would expedite this to get it quickly resolved, gave me a XXXX number for reference and told me that i would get a letter. I received the letter a few days later explaining that it would be resolved within 30 days but normally quicker that that! Called XX/XX/XXXX talked to XXXX XXXX Id number. And he said that he saw that it was in the system but they were so backed up that it would take a little longer. He also said that the second letter had been sent to me in which it never came. I in the mean time am not able to attain a mortgage because of their inaccurate reporting. Hurricane Irma was the reason for the modification i wanted one month and the bank said hey you only get one shot at this you might as well take the 3 months to be safe. I was assured and had called repeatedly that there was no effect on my credit. I have read complaints and am not the only person that they have ruined their credit because of the XXXX XXXX. Please help me

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: MS

Complaint narrative:
I completed a rehabilitation program with Navient and had no contact with them until XXXX or XX/XX/XXXX. I asked for a hardship and explained to the rep that I was seeking employment that would help me pay my student loan back. When I called back in XX/XX/XXXX to inquire about the hardship deferment i was told that my account was to XXXX. I asked XXXX when the account was transferred and was told XX/XX/XXXX. At this point XXXX said I am in permanent default. 

Navient did not inform me that i did not have time to get a particular job. Nor that I was facing forever default. After the rehabilitation was over I was disregarded and moved on to another piles to be financial ruin. I had contact with Naivient while XXXX says that the account was with them. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: MD

Complaint narrative:
XXXX XXXX debt buyer is attempting to sue me for a debt I dont  know owe them, I have no legal contract with them and now they are using scare tactics and harassment by trying to sue me.

Company response to consumer: Closed with non-monetary relief