vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-08-27 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: NH

Complaint narrative:
Freedom mortgage lost my XX/XX/XXXX mortgage check, thus charging me {$40.00}. I sent in a replacement check which they also lost, and charged me another {$40.00} and adversely affected my credit rating. OnXX/XX/XXXX I received a peculiar phone call from Freedom Mortgage. The individual on the phone bluntly asked me if I had sent in my XXXX mortgage payment. I was rather taken aback by this strange call, and said, " Yeah I did, Why? Did you loose that one too? '' He answered by telling me that they were calling random mortgagee 's and asking when they sent in their mortgage payments. I always sent mine in 3 or 4 days before the first of the month. He continued on to tell me that they had been having trouble getting their mail at their mortgage receiving facility since about mid XXXX. I replied, " Oh, is that why both of my XXXX checks were lost? '' He simply said, " Probably. '' I asked him if I could get something to that effect in writing so I could restore my credit. He said he would send me a letter stating the problem, but he was probably told by his superiors that such a letter would admit guilt. needless to say, I never got that letter. I never had a late mortgage payment in 23 years. Now because of their own negligence I have a bad credit rating, dropping about 100 points for two late mortgage payments. I have since sold my home, but would like to buy another. I have written several letters asking them to expunge the bad rating they caused, and to restore my credit. They have refused to assist me on any level. I know they are in violation of UDAAP laws as they knew this problem existed for about a year, and dragged their feet in getting it resolved with the Post Office.

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 2018-08-27 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Debt Recovery Solutions, LLC
State: KY

Complaint narrative:
I had previously noticed this was on my credit report a few months ago. I sent out validation letters asking them to validate this debt they said I owed. They couldn't and by law the debt had to.oh been removed. I looked at my credit report and noticed this same debt collextor on there for the same debt, but they changed the open date!! The open date now is saying XX/XX/2018. This debt is about 3-4 years old. Its against the law to re age a collection. Another thing is I was NEVER notified before this. This company is a joke and honestly shouldn't be in bussiness. I have laws under the fair debt that protect me and my rights with this company have been broken.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-27 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
XXXX XXXX had engaged in deceptive business practices by selling used damaged shoes to American 's of XXXX decesent without their knowledge or disclosure. Over the past year XXXX XXXX had sent worn damaged shoes and went I filed a formal complaint and refused to accept anymore used damaged good XXXX XXXX closed out my credit card account with full knowlegdge this would have an immediate impact on the consumer credit score.

XXXX XXXX card is issued by Capital One. According to Capital One consumer credit card agreement they may close or suspend the consumer account at any time and for any reason permitted by law even, if the conusmer is not in default. 

I live in the State of Maryland and there is no law that permitts XXXX XXXX the right to sell used damaged shoes without full disclosure therefore, no laws were broken that permits XXXX XXXX or Capital One the right to close the consumer account. 

In addition, due to the fact I have several other cards by Capital One and can use to make a purchase this is a total contradiction of the reason Capital One closed the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-27 00:00:00
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Incorrect exchange rate — 
Company: FIRST NATIONAL BANK OF OMAHA
State: NE

Complaint narrative:
I went to the XXXX XXXX XXXX XXXX XXXX XXXX  in XXXX, NE XXXX on XX/XX/2018 @ XXXX to generate a wire transfer in the amount of {$21000.00} to my family in XXXX. Banker at the time initiated the wire to be transferred in the foreign currency which was XXXX XXXX. After the wire had gone out I came home and calculated the wire transfer exchange rate applied by my financial institution and realized that there was a {$800.00} difference in the exchange rate vs the foreign exchange rate. XXXX  applied the exchange rate as $ XXXX XXXX but foreign exchange rate on that day was $ XXXX  per XXXX. What I don't understand is how come there is a huge difference in the exchange rate of my financial institution versus the foreign exchange rate. With such a enormous difference in the exchange rate I am losing about {$800.00} by transferring the money to my family. This is totally unethical and not fair to the consumer to bear such a huge loss in the process of currency conversion. I do understand that financial institutions do have their fees and stuff but there can't be a difference of at least {$800.00} between the exchange rates.

I would highly appreciate you closer investigation in this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-08-27 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONSTAR MORTGAGE LLC
State: CA

Complaint narrative:
To Whom It may concern, I XXXX and XXXX XXXX would like to formally complain about my mortgage servicer Mr. Cooper. I submitted my complete application for mortgage assistance about 2 months. I keep following up and I speak to many people seems that no one knows whats going on. They've been give me the run around transferring me all over the place. Finally today, they told me theres no time to review and that I hand a sale date set for XX/XX/2018. As you can see, I've been bounced around given wrong information not just by rep but by managers. They admitted to handling wrong our case and that he was sorry but that my house will go for sale on XX/XX/2018. I explain that I have a family and that we are going to be in the street and my mother is very Ill to be move suddenly but he did not show any sympathy towards my situation. I stated to him that I do not want to lose my home that's all we have and that I will be thrown out with my family and no place to stay he he did not care I felt very discriminated at that point. I don't understand why they would ignore my application all this time and they waited to get close to a sale date to tell me they didn't review my application. I ask why is he treating us like that I don't deserve to be treated fair like everyone else its clear to me that you are discriminating me he disconnected the call and left me with words on my mouth. They are not even allowing me to appeal. All I'm asking is a fair review and for my sale date be postponed so they can get a chance to review my package and review my current situation with and to stop discriminating me. If this does not go anywhere I am going to seek legal advice to see if I can sue my mortgage company. I give permission to Consumer Financial protection Bureau to speak on my behalf and get to the bottom of this I am scare to call on my own mortgage servicer.Please, help me I do not want to be thrown out on the street with my family. Yours truly, XXXX and XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-27 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: LDF Holdings, LLC
State: FL

Complaint narrative:
I believe that the loan I have with this company is illegal in the State of Florida and may be considered predatory lending. The original amount financed is {$900.00}. APR is 670 % with a total finance charge of {$2700.00} over the life of the loan. Semi  monthly payments of {$280.00} began on XX/XX/XXXX. Most recent payment made was XX/XX/XXXX and the last payment is scheduled for XX/XX/XXXX. Payments were being debited from my XXXX XXXX checking account via ACH, but I have recently sent XXXX XXXX written notice that I have revoked authorization for ACH debits.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-27 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Weinberg Mediation Group LLC
State: VA

Complaint narrative:
XX/XX/2016 Company : XXXX XXXX XXXX, XXXX NY XXXX and XXXX This company continues to call my parents, my ex-wife and her family, and my phone number threatening to send information to the courts and have me arrested. I asked them for information to be sent to me so I can validate this debt. They refused several times. They somehow have my social security number and mailing address. They said the debt was with XXXX XXXX which I have never used this company.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-27 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: SECURITY FINANCE CORP
State: TN

Complaint narrative:
This is the second time that I have had to question Security Finance about two payments that did not go through on my account as ( 2 ) {$80.00} payments. I spoke with the branch mgr and did not receive a satisfactory answer at the time. The first occurrence happened around XX/XX/XXXX ; however, I did not keep the bank statement in order to verify how both {$80.00} payments were initially going through but later one of the {$80.00} payments was reversed. 
The second occurrence happened on Friday XX/XX/XXXX. I had my husband XXXX XXXX call in to make a debit card payment from his debit card to both our accounts, and on Sat XX/XX/XXXX both {$80.00} payments were processing when I balanced and I reconciled with XXXX XXXX XXXX. ( See banking documents dated XX/XX/XXXX ) However, on Sat XX/XX/XXXX when I went to balance, I noticed only ( 1 ) {$80.00} payment actually processed ( See document dated XX/XX/XXXX ) and when I called XXXX  XXXX XXXX and spoke with the Claims Dept. at XXXX, I was informed that one of the {$80.00} payments was reversed within 24 hours after processing. 
On the following Monday XX/XX/XXXX, I called the Corporate Office in XXXX, SC and related the incidences and the Regional Mgr called me the same day and I related the occurrences. The Regional Mgr. did not seem concerned that the {$80.00} charge had been reversed and kept assuring me that the ( 2 ) {$80.00} payments were posted to the ledger for XXXX 's and XXXX 's accounts. 
This is an issue because since both of us have separate accounts and I have bank statements showing one of the {$80.00} have been reversed, we have no way of knowing which account has legitimately been credited. The Merchants books and Banking records are not reconciling. 
At some point in time the first {$80.00} did debit my bank, but the {$80.00} paid on XX/XX/XXXX that was processing has not debited into my account at the bank. I like to balance and this is very unsettling as to what is going on with their bookkeeping! 
NOTE : Faxing in XXXX XXXX XXXX statement dated XX/XX/XXXX indicating ( 2 ) {$80.00} payments processing. Also, faxing in XXXX XXXX XXXX statement dated XX/XX/XXXX 3 of 3 sheets indicating only ( 1 ) {$80.00} payment actually processed. Faxed to XXXX. Will try to upload 1 copy dated XX/XX/XXXX because it shows 2 payments processing Will also upload 3 copies dated XX/XX/XXXX that show only 1 payment went through. The phone number associated with Security Finance on the Bank statements is 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 2018-08-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: NATIONSTAR MORTGAGE LLC
State: GA

Complaint narrative:
I purchased a home in XX/XX/XXXX which was appraised at $ XXXX. 

In XX/XX/XXXX, I was aggressively pressured into a refinance by my lender, Nationstar/Mr. Cooper. At the time of the refinance the loan was at approximately 81 % LTV, and I disputed the inclusion of PMI. Before signing off on the refinance, I was verbally assured by a supervisor in the PMI department, XXXX XXXX, that after making 2-3 payments on the refinanced loan, it would be below the 80 % threshold and I could call in to have the PMI removed. 

I made the 2-3 payments in early XX/XX/XXXXXX/XX/XXXXand called Nationstar/Mr. Cooper to have the PMI removed. Because the property is now occupied as a tenant and the refinance was classified as a " tenant owned '' property, I was then informed that LTV needed to be at 65 %. No one had informed me of this prior to the refinance. XXXX XXXX claimed it was a new criteria. 

Fine. I have continued paying PMI for nearly two years. I called in a few weeks ago and paid to have an appraisal done. The appraisal came back at $ XXXX ( which I feel is low ). Regardless, the loan balance is $ XXXX, putting me at 62 % LTV.

Nationstar/Mr. Cooper STILL refuses to remove the PMI " Because the loan is less than 2 years old. '' The loan is not less than 2 years old. It is 10 years old.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
So called lender is in direct violation of U.C.C. ARTICLE 3- 3-501 ( b ) 2 ( 1 ) 1. A statement admitting whether you are the holder in due course or whether you are a servicer.

2. A statement admitting whether you have sold my note in a pooling and servicing agreement. This is also known as securitization.

3. The identity of the true holder in due course for my loan. If the loan has been securitized, the name of the REMIC my loan was sold to.

4. The CUSIP number under which my loan was securitized to.

5. Make available for visual inspection my original wet ink promissory note ( not a photocopy ).

) Pursuant of U.C.C. - ARTICLE 3 -3-501 ( b ) 2 ( 1 ), I am entitled to demand presentation of the negotiable instrument. That demand is hereby ordered. I demand that you present for my visual inspection MY ORIGINAL WET INK SIGNATURE PROMISSORY NOTE This is required to establish your right of enforcement as Holder in Due Course via a chain of assignment as evidenced by the Note. Claiming to be the the holder in due course as a statement is insufficient proof of status and is/will be rejected. A photocopy of the documents is insufficient proof as it does not answer the question of who CURRENTLY is the rightful and lawful holder in Due Course.

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 2018-08-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: OR

Complaint narrative:
In XX/XX/XXXX of this year, I called in to see what options are available. Currently I was on an IDR and thought that I would like to change to something where I didn't have to give over my tax information every year. The quoted me an amount that my monthly payment would be under the new plan, but it turned out to be around {$100.00} more than what they said. They told me I need to pay almost {$1000.00} to exit the plan, I asked why, they said they would not be able to proceed without that payment. After I was notified of what my monthly payment would actually be, I called in to ask why the difference? It was on that call that I found out that the {$1000.00} payment I did was not necessary. They said they couldn't do anything to change my monthly payment or the fact that my interest capitalized ( which I specifically asked about and they said it wouldn't ). They could however, return my payment. I have talked to them on a half a dozen calls over the last 4-5 months. They can't give me any explanation as to why my refund hasn't gone through, but they always need another 2 weeks before anything will happen. 

I've been paying more than I was told I would for the past 4 payments. I'm not sure if I'll ever be refunded the amount they've told me I would or not. They have taken actions on my account that did not match what I approved. Now, they aren't doing anything to fix it. I have never had a late payment and my account has never been delinquent. They get to make decisions regardless of what I call in to ask for. I'm thankful I can afford what they are taking from me each month for now, but no one there can seem to correct the mistakes that one call center rep made on my account. 

I was better off having never contacted them and I really wish I could go back before this all happened. I have no control over my loans or my payments and don't know who I can contact to remedy this situation.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-08-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Debt Mediation, Inc.
State: VA

Complaint narrative:
My mother applied for an apartment with XXXX XXXX XXXX XXXX XX/XX/2016. I was still in school and unemployed and did have a valid XXXX ID. I was suppose to be on the lease as an occupant. Every notice that was sent out was addressed to my mom only. She went to court for an eviction and the judgement was issued to her only. I went to apply for an apartment and was turned down due to the XXXX XXXX XXXX is showing on my credit. I never applied for the apartment, and was listed on the lease incorrectly.I have reached out and disputed the report several times. The amount listed is {$2200.00}. I have filed a police report and the credit reporting agency refuses to remove it off me when it is solely my moms account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-27 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: TD BANK US HOLDING COMPANY
State: VA

Complaint narrative:
Well last XX/XX/XXXX my XXXX XXXX was being repossess it was around XX/XX/2017 this account should be close already I did not make payment because my wife diagnose XXXX and XXXX   XX/XX/2017 is been very hard for me to deal with my finncial stuation

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I submitted a disput to equifax stating there were errors in the two bankruptcy entries I have on file. I responded to the courthouse and they gave me the correct dates which were reported wrong by equifax. I was also told there would not disclose any of my records to the CRA and their information from XXXX XXXX was inacurrate. So with that i filed a dispute and under the FCRA the CRA would have to delete any information that was inaccurate. I received an alert from XXXX XXXX the information was indeed deleted on XX/XX/XXXX, but then the same inaccurate information reappeared on XX/XX/XXXX. No proper investigation in my opinion was done and they should delete.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-27 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: CHECK INTO CASH INC.
State: FL

Complaint narrative:
Online predatory lending. 299.99 % APR for cash advances. {$400.00} credit limit. Also, this company ( XXXX XXXX XXXX d/b/a XXXX XXXX XXXX ) does not have a license to offer lines of credit in my state of residence ( Florida ).

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-27 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: National Consumer Telecom & Utilities Exchange, Inc.
State: OK

Complaint narrative:
1. I requested a copy of my report from NCTUE aka National Consumer Telecom & Utilities Exchange , Inc. 2. I received that report dated XX/XX/2018. 3. There was incorrect information on the report. 3. On XX/XX/2018 I mailed back to them their form for disputing items. 4. They sent back a letter dated XX/XX/2018 requesting a copy of my Social Security card and a copy of a utility bill. 5. On XX/XX/2018 I returned a copy of both to them. 6. Next I received a letter from them dated XX/XX/2018 offering to sell me a copy of my report. 7. As of today XX/XX/2018 they have not done anything to investigate my complaint about incorrect information on my report. The company is XXXX that I am disputing. The 3 major credit bureaus have removed XXXX from their reports. I also disputed XXXX with them. 8. My complaint here is I can't get them to even investigate my complaint much less remove it. Can you please help?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
This is in regards to XXXX XXXX / XXXX XXXX XXXX. 
It is related to two accounts where I asked for proof of ownership and validation. 
I requested this information on two separate occasions Please see attached validation request letters dated XX/XX/2018, XX/XX/2018 and XX/XX/2018. 
Midland originally used XXXX XXXX and XXXX XXXX to contact me. I requested validation from them ( XX/XX/XXXX and XX/XX/XXXX ). I received a standard " non-specific '' response stating that they " are uncertain of what I was disputing ''. I clearly requested documentation from XXXX ( aka XXXX XXXX XXXX is who responded ). 
Again, on XX/XX/2018 I requested validation and requested very specific documentation for both accounts. Again, on XX/XX/XXXX ( by mail ) received the very same template response. 
I have attached all of these documents to this complaint. 
XXXX XXXX XXXX and XXXX XXXX has failed to send any valid documents to me to reflecting that they are the true creditor on these two accounts. I am requesting them to cancel the accounts and cease all collections. So far to my knowledge, they ( Midland ) has not reported any account to my consumer credit report.

Company response to consumer: Closed with explanation