vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-03-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONSTAR MORTGAGE LLC
State: FL

Complaint narrative:
I am the primary borrower on a home mortgage loan held by Nationstar/Mr. Cooper. I did a Quit Claim Deed on the mortgaged property 12 years ago but remained on the loan with the co-borrower. The property went into foreclosure last year and the co-borrower, who remains on the deed, requested a loan modification. I told Nationstar/Mr. Cooper not to process the loan modification because I didn't request it, did not agree with it and would not sign it. The co-borrower had agreed to sell the property since I did not agree to the modification. Against my directions Nationstar/Mr. Cooper processed and recorded the loan modification on XXXX-18 without my consent or signature. They removed me from the modification and executed the modification solely with the co-borrower. This is illegal because I'm on the original mortgage note and the Quit Claim Deed did not release me of the loan liability. I was not married to the co-borrower and, therefore, there was no divorce or divorce decree. A Quit Claim Deed without a divorce decree is not a valid legal instrument to remove me from the modification. I have now asked Nationstar/Mr. Cooper to deobligate me from the mortgage and they refuse to do so. They are still holding me liable for the modified loan which I did not sign or agree to. The property was supposed to have been sold by the co-borrower when the foreclosure proceedings began but the co-borrower will not sell now because they obtained the loan modification. Therefore, I am still liable for the loan and it has damaged my credit and I'm not able to obtain a new mortgage. Had Nationstar/Mr. Cooper not processed the illegal modification I would have been free of the mortgage liability when the property got sold. Nationstar/Mr. Cooper needs to deobligate me from the loan since they removed me from the loan modification without a legal right to do so. Therefore, the recorded loan modification is not legal and does not obligate me to the new loan agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
We refinanced our home with XXXX XXXX on XX/XX/XXXX / now Wells Fargo Bank. After paying our last house note and the principle balance on XX/XX/XXXX, on the XX/XX/XXXX all these funds were placed in a unassigned funds status and our account has been handled as if we are late paying the last payment with interest being added daily on the unpaid balance ( which has already been paid ). We have talked to numerous customer service reps. and three ( 3 ) different supervisors, who all have given us the same run-around and no one has followed through to finalize this account as a paid in full account. In the beginning of the problem, Wells Fargo said the problem was that there was a missing payment from XX/XX/XXXX ; only to find that that payment was sent by XXXX XXXX Georgia, a grant program we were able to take advantage of during a time of hardship. That program lasted 18 months and the payments to Wells Fargo was turned back over to us after that time. Since that time, we have not missed a payment. We were told that the payment they thought to be missing has been located and we would be hearing from the mortgage dept. within one to two days to finalize this account as paid in full. That person I, spoke with ( XXXX, Code # XXXX ) told me that the payment was misplaced because it was sent to the original account number which was changed after Wells Fargo took over XXXX XXXX. It is now XX/XX/XXXX and that has not happened ; and the people we've talked to have not gotten back with us as promised ; nor can they be reached any longer. We now keep getting new people who start the same run-around over and over again.

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 2018-03-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Navient Solutions, LLC.
State: MT

Complaint narrative:
I have been fighting with a collection company called XXXX XXXX XXXX that is apparently a collection agency for XXXX University, I attended XXXX University in XX/XX/XXXX-XX/XX/XXXX and they were horrible, and even sent certified confidential transcripts with my social security number on them to a person with the same name in Louisiana. I have disputed the mark on my credit, I have sent them letters so this is the next place to go. Do not ever go to School at XXXX University.

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 2018-03-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: PA

Complaint narrative:
Currently I have approximately 400 K on students under XXXX where I was under IBR payments which was also qualifying PSLF payments since XX/XX/XXXX. 

On XX/XX/XXXX - I received a letter from XXXX informing me that my annual IBR income renewal was coming to review by XX/XX/XXXX where I need to resubmit my annual income certification. I completed that before that date and received a second letter on XX/XX/XXXX informing me that my request to switch from IBR to REPAYE was being processed however they required that I change to standard repayment prior to the switching to REPAYE. This requires a full standard payment which is not affordable to due to my income to debt ratio and thus XXXX places my account into automatic forbearance while the transition to REPAYE occurs. During this time I received a 3rd letter on XX/XX/XXXX indicating that my loan successfully converted to REPAYE with a monthly repayment of XXXX ( this new payment under REPAYE qualifies for PSLF payments ). However when I log into XXXX to submit payments, there are completely different amounts of required payments which I spent 4 -6 hrs over 3 phone calls ( prolonged periods of hold, various transferring to different personal ) and no one was able to verify where these differing amounts and they where coming from and what was accurate vs inaccurate. Every single person that I spoke could not identify the various amounts that is populating as my payments. 

To put into context based on the paper invoice I received a bill of XXXX ( REPAYE calculation based on my income ) but the dashboard when I log in to XXXX was showing 2 different amounts totaling approximately 2,200. Again tried to clarify with various personnel over the phone at XXXX and no one could verify these amounts and how they populated to my account. 

I am concerned because I have been making payments on time and consecutively in order to reach my 120 payment goal for PSLF. By not clarifying this current error in a timely fashion XXXX is forcing me to go into a forbearance and require me to make my monthly payment which wouldn't qualify towards PSLF. This is not acceptable when : A. I submitted my income verification ahead of schedule to appropriately convert from IBR to REPAYE to not miss a payment B. when XXXX forces us into forbearance which interrupts qualifying payments into PSLF. We should be penalized for this when its the errors from XXXX 's side.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I got a call from the XXXX XXXX XXXX from phone XXXX. Then I was referred to Bank of America customer service at phone XXXX. I do not owe any unpaid late debts.

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 2018-03-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Transunion is refusing to remove inquiries that were obtained without my permission, Ive sent them numerous request asking to remove them and they have not, so I am filing this complaint against them for unfair credit reporting. 

XXXX XXXX - XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC.
State: GA

Complaint narrative:
Disputed incorrect information through three credit reporting agencies and creditor, Navient continuously reported back more incorrect dates and balances on a charged off account. Date of first delinquency was in XXXX. Navient is reporting this now as if this was charged off in XXXX, XXXX, XXXX. In some places reporting payment history which did not occur or reporting continuous billing of interest charges on a charged off account. 

THIS CHARGED OFF COLLECTION ACCOUNT WAS INCLUDED IN MY DEBTOR LIST AND LIST OF DEBTS DURING FILING IN XX/XX/XXXX OF BANKRUPTCY WHICH WAS DISCHARGED IN COURT IN XX/XX/XXXX Navient keeps violating FCRA policy by misreporting and advancing dates intentionally re-aging this debt and extending the time reported negatively on credit file. 

In addition, this item was a private loan, charged off collection account. Not a federal student loan. I was able to work out terms on my federa loans but no options were available on the private loan that has bounced from collector to collector incurring {$40000.00} in interest charges. I can not get Navient to verify the date of first delinquency which occurred in XXXX. They keep reporting different dates.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-13 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: MORGAN STANLEY & CO. LLC
State: TN

Complaint narrative:
This is to report an apparent illegal foreclosure. The CFPB has received a number of complaints about mortgage servicing issues. I was unable to reply to the loan servicer 's evasive response because it asked for information related to charges on monthly statements the loan servicer refused to ever send through the entire term of the home equity line. How does someone reply to thin air? 

I have received word indirectly that the loan servicer only used that response to sneak through a foreclosure for which I again, was served no legal notice! I have repeatedly sought to resolve this through the loan servicers, always at the risk left hand not knowing what the right hand is doing. 

The people the loan servicers have made no one available to discuss the financing of the property, both the primary home and equity line made and owned by the same lender on the same date by Morgan Stanley. The loans servicer 's customer handlers at call centers have blocked every effort to reach anyone in authority as the servicing company or at Morgan Stanley who could discuss other options relating to a new income source that allows me pay down balances but not all at one time, attaching or factoring inherited assets pending two estate settlements, a possible sale by owner at the property 's fair market value nearing three times the debt on the property, and additional Social Security income I will likely choose to begin receiving in XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Portfolio Recovery Associates, LLC
State: VT

Complaint narrative:
I get phone calls all day from them. They leave messages saying they're issuing a warrant for my arrest. I told them before I could only pay at least {$30.00} per month, more if I could, if they could agree to send me a monthly bill. They agreed but never sent a bill. So I keep getting threatening messages. I've tried to resolve this but they aren't sending me bills like they agreed to.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC
State: CA

Complaint narrative:
My home was sold on XX/XX/XXXX to Roundpoint Mortgage There was a overage in the escrow account. I placed a forwarding address with the USPS prior to XX/XX/XXXX and also gave Roundpoint mortgage my new address. 

They stated the overage check was returned on XX/XX/XXXX. Which I was not informed of till XX/XX/XXXX. 

They will not let me speak with anyone in the escrow department. And stated they can not find the returned check. They stated it will take another 10 days yo stop payment and reissue another check. I am currently unemployed and need the monies owed 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 explanation
Consumer complaint received 2018-03-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
To CFPB We previously reported to you concerning Bogus addresses on my Experian credit report, both myself and our attorney contacted Experian in an honest attempt to clean up my report. As you know from my prior conversations with you on the phone I have suffered from XXXX and my doctors are concerned about the stress this type of behavior coming from Experian is having on my health. We therefore, request CFPB to recheck your data base as you have previously done to see if you are at the point of taking major action against Experian as they are still being disobedient to Federal Law. 
First of all, when we realized that there were old addresses on my report that are obviously not deliverable via the U.S. Postal Service we requested Experian to remove them, but instead what they did was to duplicate them with bogus unit numbers which do not exist, Experian knows they don't exist but put them on my report anyway, this is deceptive trade practice on the part of Experian and they need to cease this behavior according to my attorneys. 
Secondly, I have never lived in XXXX XXXX yet Experian is reporting that I have, I've only driven through that city maybe four times in my life and I certainly have never lived there no more than I lived at those addresses they are listing on my report, I certainly have not. If this goes to court, and it certainly looks like it's going to, Experian had better be prepared to Prove conclusively with evidence that I did, but i'm not worried because I have never lived at those addresses.

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 2018-03-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: MD

Complaint narrative:
Since XX/XX/XXXX, we have been working to pay off several ( 15 ) direct loans serviced through Navient XXXX. Each month ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ) we have called them to discuss how we would like our loan payments to be allocated across the loans. We have faxed ( XX/XX/XXXX ) and discussed over the phone exactly how we would like our payments to be allocated ( see attached letter ). We have also requested an itemized receipt of each month 's payment, which we have still not received. Navient has yet to comply with any of our requests and continues to misallocate our payments across the loans to benefit their company. Instead of deducting excess payment to the principal of the loans with the highest interest rates, as we have written and verbally requested, they continue to misuse our payments toward the principal of the loans with the lowest interest rate. Additionally, despite the fact that our required payment every month is less than the total interest that accrues each month, they are allocating the bill in such a way that we would be paying on the principal of the lowest interest rate loans instead of distributing the bill across the interest on all the loans or, in the case that some principal must be paid off each payment cycle, to the loans with the highest interest rate. In XXXX, XXXX, and now XXXX each different person we spoke with on the phone submitted a work order to " fix '' the issue ( s ) of that month. We have yet to receive any confirmation that the XXXX and XXXX work orders were completed, and since we are still seeing errors in how we want our payments allocated, the work orders appear to not be enough to solve things. The XXXX work order was submitted today, so we will have to see if this one resolves any of our issues with payment allocation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: PNC Bank N.A.
State: MA

Complaint narrative:
PNC refused to modify my mortgage after my bankruptcy.My payment jumped from XXXX to now over XXXX.I had a first mortgage and second mortgage taken through XXXX XXXX as successor to PNC both discharged in a bankruptcy, the first is still with PNC and the 2nd had been assigned to XXXX for collection.There were many errors made by XXXX XXXX into PNC, XXXX, XXXX and XXXX and XXXX and everyone who touched both loans regarding collection and servicing of the loans.PNC eventually acknowledged these errors and agreed to discharge the mortgages.They contacted me and put in writing that the mortgages would be discharged.They discharged a mortgage on a property I haven't owned in years but never discharged the mortgages that I currently have and were included in the Bankruptcy.They keep saying they will but haven't.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
Wells Fargo Home Mortgage and/or the County of XXXX XXXX XXXX misappropriated, diverted, or embezzled funds paid by XXXX XXXX XXXX, legal owner of XXXX XXXX XXXX XXXX, VA XXXX allocated for mortgage expenses such as real estate and/or attempted to embezzle funds allocated real estate taxes to apply towards personal property taxes that have already been paid but generated by altering statements sent to XXXX XXXX XXXX, legal owner of XXXX XXXX XXXX XXXX, VA XXXX, including but not limited to funds designated as part of the mortgage payment made to Wells Fargo Home Mortgage. Periods of misappropriation occurred from XXXX-present and as early as XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
XXXX  account was charging money that is not my account.

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 2018-03-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ERC
State: WA

Complaint narrative:
Closed XXXX account and dropped off equipment to the old XXXX store. Account was closed. XXXX later sent me a bill for non-returned equipment ( Old equipment prior to closing account ). I advised them when the contractor came out to set up a new wireless modem, that the service member stated he would return the old equipment for us and that we should not have to worry about anything. 

I explained this to XXXX once I received a bill and they agreed. 

A few months later I was placed on collections. I went into the store and called XXXX. both places stated they would resolve the issue and get it taken care of ( XXXX was the name of the manager I spoke to at the XXXX building ). 

The account was closed and removed from my credit report ( On consumer credit ). I went to go refinance my home and see the account is closed but states I still owe XXXX dollars. I should not have to pay for something I did not do wrong with from the start. And shouldn't be spending time attempting to resolve an error on the organizations time which in tern hinders my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-13 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: CA

Complaint narrative:
Last year I paid my debts. I started in XX/XX/XXXX. The first 2 were XXXX XXXX and XXXX. Since that date both were paid in full. XXXX XXXX   account number is XXXX. It was sold to XXXX XXXX XXXX. Their phone number is XXXX. It should say paid in full. It could be moved to the collections file as paid in full. I will include statements from all the accounts that need to be corrected. The next account is XXXX, account number is XXXX. This account was sold to XXXX XXXX XXXX. Their number is XXXX. It was paid in full also. On my credit report there are 2 accounts that are both the same. That is the XXXX and XXXX. 
The XXXX account number is XXXX it was paid in full on XX/XX/XXXX. I have also included a statement from XXXX stating that the account has been paid in full. 
The last account is XXXX XXXX XXXX account number is XXXX. It was paid in full on XX/XX/XXXX. I am including a copy of the paper that XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation