vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-03-29 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
Navient has continuously charged usurious interest and has not applied payments toward principle. We have paid more than {$40000.00} interest on a {$46000.00} loan over a period of twelve years.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-29 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/2018 I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.

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 2019-03-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
XX/XX/2019 I notified Equifax of the discrepancies stating my accounts were pays as agreed, however still listing as negative info. On XX/XX/19 I received an alert from XXXX XXXX in regards to an inquiry, I then contacted XXXX XXXX who is unable to validate a request came in on my social security number, After reporting this to Equifax, they have lowered my credit score while updating comments that were inaccurately reporting on their behalf to begin with. I seek immediate remedy and resolve in this matter as Equifax & XXXX XXXX who denies any involvement, is in violation of the Fair Credit Reporting Act & Fair Debt Collections Practices Act, 15 USC 1692g Sec.809.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-29 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Siwell Inc
State: TX

Complaint narrative:
Capital Mortgage Services of Texas raised our house payment by {$1100.00}. When we reached out to them to ask them why, they claimed we were not paying enough in Tax and Insurance so that made us owe a little over {$7000.00}. The only options that were given to us were to either just pay the new high monthly payment or refinance which neither was an option for us. This was very frustrating since they also had decided to lower our payment by a couple hundred dollars 2 years prior. We resolved the problem through a different route without any help from the mortgage company. We did manage get the payment back down, but it is still up {$300.00} from what it has been for the past couple of years.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
1 ). Ocwen breached an existing 5 year loan modification payment plan without any warning or explanation - forcing me into foreclosure ; 2 ). Ocwen has " lost '' many of my submitted loan modification applications ; 3 ). Ocwen has denied / refused to accept my loan modification application saying " it's too late '' ; 4 ). Ocwen has placed " forced '' escrow accounts with respect to property insurance and taxes without my consent - forcing me into foreclosure ; 5 ). Ocwen has caused a wrongful foreclosure to be placed against my home where i have lived with my family for the past 19 years which has placed great emotional distress against myself and my family

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CREDIT ACCEPTANCE CORPORATION
State: TX

Complaint narrative:
On more than one occasion my payment cleared my bank and was not credited toward my loan. This caused payments to fall behind. I would catch up and then another payment would not be applied. I have provided the company with the bank statements showing the payment clearing in hopes they would correct the account-to date they have yet to do so. I make bimonthly payments every month to complete a full payment and the account continues to show past due with an unbelievable about of late fees and interest due. I would not be past due if the missing payments had been applied. Unfortunately, I am not in a position to pay the additional fees and payments again but have and will continue to make my $ XXXX monthly payment ( payment is {$570.00} XXXX. I contacted the company lasts month to discuss the possibility of adjusting the due date to bring me current in hopes of saving money in fees, I was told that since they were a second change lender that would not be an option.

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 2019-03-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
My mortgage used to be with Seterus. A new company acquired my mortgage. The company is Mr. Cooper. My old mortgage payment was {$1000.00} per month. When I received a bill from the new company the mortgage was now {$2500.00} a month. The new company showed charges for acquiring my mortgage such as an appraisal, lender expenses ( XXXX ) and a late fee of {$170.00}. I received a letter from the stating no late fees would be assessed for 60 days. This seems excessive for a late fee any way. I have tried to call the company but am always on hold for about 30-45 minutes before I get frustrated and hang up. I received a letter stating nothing would change with the mortgage payment. I don't understand how they can do this. I didn't ask them to buy my mortgage. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC.
State: NJ

Complaint narrative:
I'm on a income driven plan which is XXXX dollars and I make payments anyway but I'm being charged interest daily which appears on my credit report as a increase. I swear over XXXX has been added to my account. This has to be illegal. I'm trying to knock the smallest loans first but honestly daily interest is hurting me. What can be done?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: UMPQUA HOLDINGS CORPORATION
State: CA

Complaint narrative:
In response to previous CFPB complaint # XXXX. 

Bank responded to complaint with letter outlining possible resolutions, quoted : " To help you release the funds and close your account, the following options are available to you : ... 
- Or send an email to XXXX providing a copy of a bank statement from the financial institution that the opening deposit at Umpqua Bank was funded from. '' I've submitted over supporting documents immediately and the following morning the bank renegades on their word and refuses to honor that option, instead telling me to go into a branch in-person ( which the difficulty of doing so has already been brought up multiple times.

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 2019-03-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Atlanticus Services Corporation
State: MI

Complaint narrative:
ACCOUNT NAME/ XXXX XXXX CREDIT CARD/ XXXX  Mastercard It's ridiculous any company employees would keep a customer on the phone so long they become ill. I've never in all of my years dealt with any company that penalize customers for paying off a credit card. This credit card company called XXXX does just that penalize you for paying your card off not only that they'll hold your payment when you pay with a debit card. Clearly this credit card company XXXX   would rather customers stay in debt and keep a balance instead of paying their balance off each month. Once this complaint is over and it may take a hit on my credit score but i'll surely be closing this account. 

OnXX/XX/2019 i made a payment for {$460.00} to my credit card. I made the payment well before XXXX XXXX CST/XXXX XXXX EST   so my payment should've posted at midnight yet it didn't. When i called in on XX/XX/2019 to see why my payment had not posted. I was then told by a representative name XXXX it would be on hold for 3 days. I asked him why and he continued to put the phone down when i asked. He provoked me to the point yes i became irate and asked for a supervisor. I sat on hold for 20 minutes because XXXX LIED and said i dod n't ask for one when i did. He finally got a supervisor who's name was XXXX as well. I asked this XXXX why my payment didn't post and he told me because i paid more than 50 % of my credit limit which my credit limit is {$700.00}. Then he tells me it didn't post but it will in 4 business days which this information IS NOT on their website, it's not in their terms and conditions, nor is it anywhere on their app that they will with-hold your payment if you pay too much or if you pay 50 % of your credit Limit. This makes no sense and the only time i've known for a company to with-hold a payment is when you pay by check NOT by debit card which are suppose to automatically post. Then the supervisor stated my payment didn't post because i haven't had my account opened long. This is very deceptive to customers to not have this anywhere the customers can read it or see it. 

I've included 2 screenshots. One shows the text message stating my payment had posted. The other screenshot shows the time frame for a payment to post which DOES NOT state if you pay too much they'll with-hold your payments.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Law Office of Harris & Zide
State: CA

Complaint narrative:
On XX/XX/2019 I received correspondence from Harris and Zide regarding an alleged debt. This is an unsubstantiated, alleged debt with XXXX XXXX XXXX, who has now sold/handed over my alleged debt to Harris and Zide without any merit, verification, documentation, etc. There is no debt. I refuse a debt exists. A previous complaint was filed with CFPB against XXXX XXXX XXXX ( XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-29 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: EQUIFAX, INC.
State: NC

Complaint narrative:
Equifax and XXXX are reporting incorrectly that I am 120 days past due on the XXXX partial account numbers XXXX. ( Please see pages 16 and 17 of the attached credit report. ) These accounts report a {$0.00} balance and {$0.00} past due. However, they are coded as if I am currently past due in present day. I am not disputing any prior late payments, but rather the coding error. Please change the coding to I1. This incorrect reporting is harming my credit scores. Keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
XX/XX/2019 I notified XXXX of the discrepancies stating my accounts were pays as agreed, however still listing as negative info. On XX/XX/19 I received an alert from XXXX XXXX in regards to an inquiry, I then contacted Capital One who is unable to validate a request came in on my social security number, After reporting this to XXXX, they have lowered my credit score while updating comments that were inaccurately reporting on their behalf to begin with. I seek immediate remedy and resolve in this matter as XXXX & Capital One who denies any involvement, is in violation of the Fair Credit Reporting Act & Fair Debt Collections Practices Act, 15 USC 1692g Sec.809.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC
State: NY

Complaint narrative:
I submitted a complaint to CFPB regarding a foreclosure reporting issue with the Shellpoint Mortgage. The complaint was filed and Shellpoint Mortgage submitted a response and CFPB closed the complaint. The day I received the response from Shellpoint I noticed that there were many errors in their response to CFPB and I submitted a complaint regarding the errors along with documentation showing the errors Shellpoint provided to CFPB however CFPB thought this was the same complaint and not a response showing omissions and errors sent by Shellpoint to CPFB. Shellpiont completed a foreclosure on a property and the property was purchased at the sale for {$80000.00}. Shellpoint did not do any appraisal on the property or obtain a current market value. Over 90 days after the sale they had a real estate agent list the property and Shellpoint is using the real estate listing paperwork as the current market value and not an appraisal. The issues are that this was done in New York over 90 days after the foreclosure sale and the appraisal paperwork sent to CFPB by Shellpoint is not an appraisal but part of the real estate agents listing. If you look at the paperwork provided by Shellpoint to CFPB It even shows that the interior of the property was not inspected. It also shows the listing was ordered 90 days after the foreclosure purchase.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
When i pulled my credit report i noticed LVNV Funding/ XXXX XXXX was on my credit report. XXXX XXXX sold the debt to LVNV Funding, but years ago i disputed this account with XXXX XXXX and asked them for proof of this being my debt, so they sent me a bill, which was not proof of allegations. Well, kind of dropped the ball on this but after pulling my credit this year i noticed XXXX XXXX had sold the debt to LVNV. I called LVNV disputing this bill once again. I told them this was fraudulent account and that XXXX XXXX had sold them a fraudulent debt. I was told to get a police report, so i did, which i supplied to them. Now their saying the police report wasnt good enough!! Help please!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
XXXX and Transunion are reporting incorrectly that I am 120 days past due on the XXXX   partial account numbers XXXX. ( Please see pages 16 and 17 of the attached credit report. ) These accounts report a {$0.00} balance and {$0.00} past due. However, they are coded as if I am currently past due in present day. I am not disputing any prior late payments, but rather the coding error. Please change the coding to I1. This incorrect reporting is harming my credit scores. Keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.

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 2019-03-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phillips & Cohen Associates, Ltd.
State: CA

Complaint narrative:
This is an unsubstantiated, alleged debt with XXXX XXXX, who has now sold/handed over my alleged debt to Phillips & Cohen Assoc. Ltd without any merit, verification, documentation, etc. There is no debt. I refuse a debt exists. A formal complaint was filed with CFPB ( XXXX ) on this same alleged debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-29 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit Card Receivables Fund Incorporated
State: NY

Complaint narrative:
On XX/XX/XXXX, I sent Unifund a letter for VALIDATION of said debt they are reporting on my credit report. The company responds on XXXX XXXX with a verification of debt by some copies of old bills. Upon further research, this by law is not a valid way to validate a debt with the way technology has advanced and anyone could be getting these bills via electronic bills and not paper. So I again sent a letter to Unifund on XX/XX/2019 highlighting I am asking for a VALIDATION of debt, not a verfication. They again sent the same information on XXXX XXXX as the first time which I will enclose on this complaint. 

I have a right to ask for validation of said debt pursuant to 15 USC 1692g Sec 809 ( b ) of the FDCPA. 

I am asking now you to help me either obtain this validation to said debt or the immediate removal of this debt from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Experian is charging my card. They shouldn't be. I never asked them to charge me. I never asked them for help in any way. 

2 years ago they were hacked and offered " free '' services to make up for their mistake. Now I guess they feel they can just charge me for services I never wanted. 

I have tried to contact Experian. I have tried to contact XXXX. I have tried to contact XXXX - all of which are Experian companies to my knowledge. None of which I have EVER asked to charge me for their services. 

I have disputed the charges on my card and will be cancelling my card and renewing the number. This is outrageous I have to cancel my card because they find it okay to suddenly start charging me for a service they offered for free because they let me information be stolen.

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 2019-03-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
This is my second written request to verified accounts that appear on my credit report that I do not recognize, I believe I have been a victim of identity theft, therefor and requesting verification of this accounts on my credit or deleting of this accounts.This time an FTC complaint could be filed and is attached to this complaint. Thank you

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 2019-03-29 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Fraudulent loan
Company: Navient Solutions, LLC.
State: PA

Complaint narrative:
I was enrolled in XXXX XXXX College in XXXX, PA in XX/XX/1999 through fraudulent means. My mother and father signed the paperwork for financial assistance ( Sallie Mae ) without understanding anything ( they don't know English ). The career advisor did not know XXXX and it was never translated so that my parents would understand what they signed. The advisor was using aggressive selling tactics. I was supposed to earn an XXXX Degree in 18 months but they closed and I was unable to use any credits to transfer to other colleges ( they said they were transferrable ). I was, in turn, stuck in a loan at a high interest rate with Sallie Mae without even getting my XXXX Degree. 20 years later and I now owe over 60,000 ( they sold the loan to Navient ). XXXX XXXX College was sued and many students got relief. I am in dire need of relief from this loan.

Company response to consumer: Closed with explanation