vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-02-28 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN

Complaint narrative:
I requested debt validation through CRA on three occasions and have not received what I requested from XXXX. FCRA states debt verification is Validation requires presentment of the account history and general ledger/statements and a copy of each agreement/contract signed and dated by the parties ( collectors and CRA ) responsible for maintaining the complete account history. Specific cases that set the precedent are listed below. 
1. XXXX, 62 Haw. 334, 614 P.2d 936 ( XX/XX/XXXX ) 2. GE Capital Hawaii , Inc. v. Yonenaka 25 P.3d 807, 96 Hawaii 32, ( Hawaii App XX/XX/XXXX ) 3. XXXX v. XXXX 28 Conn. L. Rptr. 371, ( Conn. Super.XX/XX/XXXX ), and Town of XXXX v. XXXX. 513 A.2d 1218, 201 Conn.1 ( XX/XX/XXXX ). and XXXX v. XXXX, 163 Ill. App. 3d 845, 114 Ill. XX/XX/XXXX, 516 N. E.2d 1045 ( 3Dist. XX/XX/XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-23 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Application, originator, mortgage broker — 
Company: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
My husband and I applied for an equity loan with Navy Federal. We were prepared but had to wait for an appraisal on our home. We applied for XXXX. Based on prior homes and XXXX XXXX taxes we are paying taxes access at XXXX the appraiser came out and said our house was only worth XXXX. He accessed our home accounding to XXXX bedroom homes in our community. He knew we have a XXXX bedroom. He even took pictures of all the rooms. We filed a n app ; eal with Navy Federal. They were surposed to make a decision in 5 days. We have not heard from them. We were assigned a loan officer and she wo n't even return our calls. I want them to send someone who will do the job right olr refund the money charged for the Assessment and want to be fair.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-03-29 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: PA

Complaint narrative:
Ocwen keeps paying my property taxes and then raise my mortgage payments, my city taxes were due by XX/XX/2017 then there is a late fee throughout the year added well Ocwen decided to pay them by the end of XX/XX/XXXX and raise my mortgage to XXXX now

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: AES/PHEAA
State: MD

Complaint narrative:
I am unable to afford the payments for MyFedLoans as I do not make enough money to afford it. I have tried to apply for forbearance and deferment and I keep getting the response that I am ineligible. My payments are not feasible to keep my student loans current.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-07 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LoanCare, LLC
State: TX

Complaint narrative:
Provider bought mortgage and paid for lender placed insurance that was in place and coverage until XXXX/XXXX/17. continued to charge me the escrow amount. then claimed no insurance and place another policy charging me an outrageous fee and doubling my mortgage payment. when i was made aware of the problem and provided an active policy they stated it was not valid and refused to accept it. i obtained outside insurance and they credited only part of the lender placed refund with no explanation on the amounts. i have tried to get this resolved with no results.

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 2017-03-30 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I have disputed a tax lien with equifax credit company and XXXX. XXXX removed a tax lien to equifax that do not belong to me and I received a letter from XXXX stated that they have removed the tax lien from their Accurint Database, but equifax is still reporting the tax lien. I have contact the courts and they advised that the do not report to the credit bureaus and do not have a tax lien in their system with my name, ss #, or d.o.b., I ask equifax to validate the information and they will not provide validation neither will they remove the tax lien. Every time I call in they start a new dispute and a few days later they say the court reported back saying that the tax lien belong to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-22 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Security National Automotive Acceptance
State: AZ

Complaint narrative:
SNAAC has been charging me late fees of XXXX per month and somehow is saying the late fees are now equal to {$490.00} but I have been charged the late fee in the monthly payment. They are also stating that the {$420.00} repossession fee is the third party fee for calling the company to pick the vehicle up. After talking to the third party they stated they have no set fee however SNAAC is still not removing the fee. They are overcharging me on the payments and then still charging me late fees

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 2017-03-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Settlement process and costs — 
Company: NATIONSTAR MORTGAGE LLC
State: AZ

Complaint narrative:
My husband passed away the first part of XXXX 2016 and I 've been trying to assume Mortgage but NationStar Mortgage is being very difficult to do this. My name is on deed but not Mortgage..We leave in a " Joint Tenancy state with the right of survivalship '' but lender does n't seem to care. I have provided lender with all they have ask for and still I 'm waiting. Ii contacted them back in XXXX of 2016 and also sent them the certified death certificate but nothing seems to get them moving. They say they will call me back, they do n't. 
They say they r sending paperwork for me to sign, they do n't, I 'm at a loss as what to do next.. I 've want to refinance the loan once it 's in my name, and now rates have gone up! 
Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-29 00:00:00
Product: Money transfers — International money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
Case number : XXXX I just sent you complaint but with wrong information on : What company was used to send the money? There is my company name, but should be : Chase JP Morgan United States Sorry for the mistake. 
Below is description : On XXXX I found on XXXX the XXXX. They offer good price for XXXX XXXX XXXX XXXX XXXX. I ordered from them XXXX kilograms for {$1000.00} per kilogram plus {$250.00} for shipping. On XXXX I sent them {$2300.00} by wire transfer. 
After the payment I wait and no shipping confirmation with tracking number from them. I searched on the Internet about this company and found that they cheat people. XXXX of harmed people ordered XXXX tone of chemicals, and he received only XXXX kilograms. In addition the shipping was labeled on other chemicals : http : XXXX I did not received From them any package. 
I asked banker for reverse my money I got from them case number : XXXX. 
On XXXX, XXXX I received call from XXXX and a man from Chase bank told me that he calling regarding this case. He said that he will do this and I must self call to XXXX and demand reverse the money.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-25 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
I am in the process of doing a deed in lieu and I am having a issue with the second mortgage Wells Fargo. I submitted paperwork to them that I had received from my first mortgage on XX/XX/2017 via fax. Instead of them reading the paperwork and acknowledging that it was a settlement offer from my first mortgage they removed me from their hardship program. I had to call them several times and have requested that they respond to the correspondence that was sent to them and advised myself and my first mortgage if they are going to accept the settlement offer. Since I sent the correspondence I have been assigned several representatives. The last one assigned to me XXXX, I sent her an email on XX/XX/XXXX to find out the status of the settlement offerr. She called me on XX/XX/XXXX at XXXX and stated that she did not know the status but she would reach out to the processor and would call me back in 24 to 48 hours. It has been 8 business days since I spoke with her and have received no response. I also sent her an email for status on XX/XX/XXXX and XX/XX/XXXX and no response as of this date. Why is it taking so long for them to agree to the settlement offer. This is the only thing that is needed for my first mortgage to conclude my deed in lieu.

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 2017-03-08 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: TENET HEALTHCARE CORPORATION
State: GA

Complaint narrative:
Sufficient evidence of this debt was not provided. In my dispute with XXXX, the debt was removed from my Credit report. 30dys later the debt resurfaced under a different name onto my XXXX credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-28 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: TENET HEALTHCARE CORPORATION
State: AZ

Complaint narrative:
I had something showing up on my credit report from Central Financial Control but never received any notice from them. I sent a dispute through the credit report and it said to contact them, they wanted my Social Security Information, my address, etc. I asked them who the debt was with and they said XXXX Hospital. I told them that I was only seen there once in XX/XX/2014 and gave my HSA card. The girl said the debt is from XX/XX/2014. I asked them to send me verification/validation of the debt and she said no to fax a request in. I explained I never received any debt validation notification, I then said I disputed the validity of the debt. I have written them with no response. I asked when they originally sent me the notice of right to dispute this debt, she said she could not tell me that. yet this is on my credit report and I feel they are affecting me and causing me harm. This is an old debt. When I call XXXX they referred me to syndicated office systems, who referred me to Consumer financial. I have had the same address and phone number for 13 yrs. I asked them to mark my account as disputed and will be faxing a demand to remove from my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC.
State: CT

Complaint narrative:
In XXXX 2016 I renewed my application for my IBR plan. I was aware that my new income would increase my payment, but was expecting to hit my standard payment maximum that was given to me in XXXX 2016. Navient processed my information incorrectly and is trying to get me to pay significantly more per month than I should have to pay. From the studentaid.ed.gov the cap on my payment amount should be " Never more than what you would have paid under the Standard Repayment Plan with a 10-year repayment period, based on what you owed when you entered the IBR Plan. '' However, Navient representatives were claiming that I no longer qualified for the plan and would have to reapply and receive a new level payment. Some representatives even told me that I would have been better off not reapplying for the IBR plan and just letting my application expire. All of this seems like gross incompetence. 

After many calls I was able to speak with a supervisor who confirmed that I was incorrectly placed on a new level payment plan and should instead be paying my standard payment maximum given to me in XXXX 2016. This was a relief as this was the first person in a month who I talked to that seemed to know what was happening. 

I was told that my case was going to the processing team to be fixed and that I would be contacted by her soon. A week went by with no contact, so I reached out only to be able to leave a voicemail. After not receiving a response I called back on the general Navient line only to be told I should wait, that supervisors always respond to their voicemails. I waited two weeks, and then called back on the general Navient line, and through many hoops I was told that my case was being worked on. Wonderful! 

Today I received contact from Navient. I was hoping to see that my plan was fixed only to see that they had incorrectly processed my plan again, for a new HIGHER payment than my previous one. So after two months, many calls and complaints, and confirmation from a supervisor that my plan is was incorrectly processed nothing has been resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-20 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: NY

Complaint narrative:
XXXX sold my mortgage to Bayview Loan Servicing, located at XXXX. XXXX, FL XXXX, over one year ago. I have owned my home since XX/XX/XXXX and have never been late on a mortgage payment. Since Bayview Loan Servicing took over my mortgage and my escrow account, they have not paid my School or County/Town taxes on time and I receive late notices for the taxes that include penalties and interest. Long story short for the past year I have spent hours on the phone with this company trying to get this straightened out. In fact It all began with them having my last name wrong on the account. I was remarried in XX/XX/XXXX and XXXX had all of this correct after all of the proper documentation was sent to them. I finally got this straightened out with Bayview after numerous telephone calls and time taken away from my job to have this corrected however they still are not paying my property taxes on time. After many telephone calls, I went to my mom who works for the Town of XXXX. and she brought me to the XXXX to investigate. I then contacted Bayview again a number of times to advise that XXXX which is a third party that Bayview uses to pay the property taxes advised us that Bayview Loan Servicing inactivated my account on XX/XX/XXXX and they do n't know why so Bayview needed to take care of the matter and get the taxes paid. Bayview on my last conversation advised me again that the taxes are being researched and we should know something around XX/XX/XXXX. This I was told after discussing with them that the Warrant date for my property taxes to be paid is XX/XX/XXXX and this is going to create more penalties and interest not to mention this begins the vicious cycle again and does not correct the matter. I am at my wits end and this has caused my a tremendous amount of XXXX and is causing me problems at my job not to mention on my health. My next step is to contact a Lawyer but I do not have the money to do this as my husband is ill at this time and has not returned to work not to mention that I have no more time available to deal with this incompetency I other more important matters to address to with an ill husband, my job and children. I have asked my mom to step into help and I feel bad about this because she has a stressful enough job. She is going to sending another letter to Bayview to request that they release my escrow to my so that I can pay my own taxes. I can ' t take this anymore. I have had a few representative at Bayview including Supervisors that have tried to help and were professional however I have also had some that were rude, put me on hold and never came back, disconnected me and I even had a man swear at me and hang up. I ca n't deal with any more of this. Please advise.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-12 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have been a victim of true-name identity theft and I have previously disputed the following accounts vis XXXX ( certified ) and never heard back from TransUnion, it has been over 30 days. 

- XXXX - XXXX - XXXX - XXXX - Prosper I have attached the police report that I filed with 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 non-monetary relief
Consumer complaint received 2017-03-11 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In my disputing of some inaccuracies on my credit report, I requested to all the XXXX CRA 'S to send me documents that they received and the agency or person or contacts that were used in the process of the outcome stating that the inaccuracies were all verified.They have not responded with any supporting documents from these companies XXXX, XXXX, Office of Texas Attorney General as to how they were verified.

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 2017-03-14 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
this account, TN CHILD SUPPORT XXXX .... IS FRAUDULENT ... THE ACCOUNT WAS CREATED BY FRAUD ... AT THE TIME OF THIS ACCOUNT I HAD A CONTRACT AND ORDER TO PAY CHILD SUPPORT IN VIRGINIA.I HAVE NEVER PAID ANYTHING AT ALL TO THIS ACCOUNT.AT THE TIME I TALKED TO TN CHILD SUPPORT I INFORMED THEM OF THE ABOVE..THEY SAID THEY WOULD GO AFTER PERPETRATOR FOR FRAUD ... 
YET TN CHILD SUPPORT HAS CREATED THIS COMPLETELY FALSE RECORD AND NOW VERIFIED.I HOLD EXPERIAN ACCOUNTABLE FOR DAMAGES AND WOULD EXPECT CFPB TO FINE EXPERIAN AS WELL AS PAY ME STATUTORY DAMAGES,

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 2017-03-29 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My name is XXXX not XXXX, XXXX, XXXX these names are erroneous. I never lived in XXXX MS nor have I ever worked at XXXX. The last four of my social security number is erroneous as well. I have never filed Bankruptcy.

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 2017-02-27 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I was a customer of XXXX. After XXXX bought XXXX my bill started going up on XX/XX/XXXX. I called XXXX several time to complain about my bill. They failed to do anything about it. I was under a contract till XX/XX/XXXX so I did n't want to cancel. In XX/XX/XXXX, I called XXXX to return XXXX of the XXXX receivers I had, so I could save money. The next month I received a bill of {$810.00}. I called XXXX immediately. I was told that the previous representative cancelled and restored my service and the account would be credited back for the early termination and prorated charges. The next month came and I did n't see any credit. I called XXXX they said it can take 2-3 months for the credit to show. In the meantime, I was getting late charges for the balance they caused and I had promotional offers that were removed for my account that I was supposed to have till the contract ended on XX/XX/XXXX. I wrote to the corporate office. When they finally wrote me back they promised me they will credit me for there mistakes and inconvenience. On XX/XX/XXXX I still did n't get all the credits I was promised so I cancelled since my contract was over. In XX/XX/XXXX I was checking my credit report and saw a {$300.00} collection from XXXX and past due history for 30, 60, 90 and 120 days. I have several emails from the corporate office of XXXX I can forward to whoever will be handling my complaint.

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