vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-04-09 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC
State: LA

Complaint narrative:
I just recently filed a complaint against  XXXX  Serviced by Nationstar Mortga ge LLC,  a sub-servicer for  XXXX   XXXX  Number  XXXX  I have tried to speak with these individuals, but they are very rude and refuse to give me any assistance. I am afraid to answer my phone now. However, I have still managed to contribute to the delinquent payments regarding my mortgage. Please help.     Please note this is the address I have been sending payments, too.   Nationstar  XXXX .  XXXX   XXXX   XXXX , TX  XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-08 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Receivables Management Partners, LLC
State: FL

Complaint narrative:
FINANCIAL CONTROL SERVICES XX/XX/2017 Address : XXXX XXXX, TX XXXX Phone : XXXX XXXX, FL XXXX Dear Sir or Madam : I am a victim of identity theft. I am demanding that you reinvestigate my credit file under the Fair Credit Reporting Act Section 611 [ 15 USC 1681I ]. You have no way to ascertain the legitimacy of my action without investigating the items in question. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you notify FINANCIAL CONTROL SERVICES or any company associate with this account and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : Additional stall tactics on the part of your organization will be reported to the Federal Trade Commission FINANCIAL CONTROL SERVICES or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX, XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-09 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Credit Protection Association, L.P.
State: FL

Complaint narrative:
Saying that I owe them for cable service in XX/XX/2013 when I didnt have cable in XX/XX/2013.

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 2017-03-31 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: FRANKLIN AMERICAN MORTGAGE CO.
State: WI

Complaint narrative:
We were supposed to receive one annual tax disbursement from our escrow account on or before  XXXX   XXXX , made out to us and the tax authority. That amount would have equaled {$3700.00}. Instead we received a check from  Franklin American f or {$750.00}.     Once we got a second tax bill in    XXXX  2017  --  and no check from  Franklin  -- we realized there was something wrong. They had paid us a quarterly payment instead of an annual payment. After many long, fruitless conversations with the service center, and one with a helpful ( and knowledgeable ) person at the corporate headquarters, we thought we had the issue resolved.     Without our knowledge,  Franklin  sent a check for {$2600.00} directly to the tax authority. We were literally about to mail a tax payment ourselves ( and consider hiring a lawyer ), since  Franklin  had never updated us as to the status of our tax disbursement.     This leaves a remainder of {$320.00} in our acco unt ( if  my math is right ) that  Franklin  should have sent us  four  months ago. We 're still waiting.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-08 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Never lived at XXXX XXXX XXXX my XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-11 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Equifax XXXX, GA XXXX Or XXXX, PA XXXX Or XXXX, TX XXXX XXXX, SOC SEC # XXXX DOB XX/XX/XXXX XXXX, FL XXXX Dear Sir or Madam, Please be advised that I am the victim of identity theft, a result of which is the reporting of negative information on my credit report. In accordance with the provisions of FACTA, I hereby request that such negative information be blocked from my report. The specific information that I am requesting be blocked is as follows : Please removed this ADDRESS : XXXX, FL XXXX - REPORTED XX/XX/XXXX not my address fraud XXXX ACC # XXXX XXXX {$180.00} XXXX XXXX charge off {$4800.00} XXXX ACC # XXXX As required by FACTA and in support of my request, I am including a copy of my identity theft report And police report filed with a law enforcement agency. I also hereby request, in accordance with the provisions of FACTA, that you promptly notify the company or companies providing the false and negative information that the information provided by them is the result of an identity theft, an identity theft report has been filed, and an information block has been requested. Thank you in advance for your assistance in this matter. Sincerely, XXXX, SOC SEC # XXXX DOB XX/XX/XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-10 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC.
State: CT

Complaint narrative:
I have a student loan with Navient, and there is just so much to speak about this. 
First my interest rates were ridiculously high, when I started to repay my father and I paid XXXX dollars every single week for 2 years and we had no idea how they allocated payments over the course of XXXX private loans as well as XXXX federal loans. 
My student loan debt was around XXXX. we have paid XXXX dollars every month for 2 years when it became too much to handle we spoke on the phone with them for weeks because when we received statements they were very unclear to read. Sometimes they would even allocate most of my money towards my federal loans and then my private loan balance went up, I would have to call them and then they would claim there was a mistake and promised that my payments would be back-tracked to the original date and interest did n't occur during those times but who knew if they really allocated them to the right time. Which at almost 10 percent interest on a {$200000.00} loan if just 2 weeks of non-payment means another XXXX or so added to the overall cost of the loan. When they corrected their problem I truly do n't think they backtracked my payments and removed my interest that occurred during that time. After a lot of calling and bothering they allowed me to enroll in a cheaper interest plan if I enrolled in auto debit. which I did which I was never told of until 3 years into paying XXXX a month. now I am enrolled in auto debit I do have a better interest rate im not sure why they never told me about this plan, Also they have messed up a handful of times and promised that they would re-allocate my funds in a timely manner and on their statements theres no way of seeing this allocation. 
There are a good handful of times that they have not set well with my father and I and I see now that our feelings were correct. 
Also we always paid our loans weekly, im not sure they even allocated our payments weekly during the few years before I enrolled in auto debit. I just would like to see some type of action on this company. Thank goodness I have my father that somehow knows about huge loans or else I would be lost just like a ton of student borrowers. We have paid about XXXX towards XXXX/navient and my total loan has gone down only XXXX XXXX dollars.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-09 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
My property was sold in XXXX with the assurance that because of the XXXX balance, XXXX XXXX XXXX would not place derogatory information on my credit report. It appears that information from XXXX and XXXX termed derogatory are on the credit reports of XXXX and Transunion. 
I would appreciate this derogatory information removed.

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 2017-04-10 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Weltman, Weinberg & Reis Co., L.P.A.
State: MI

Complaint narrative:
I was a defendant in a landlord tenant claim which I was found to owe money, the " order granting judgment dated XX/XX/2017 is for {$5400.00} ( which includes damages of {$5100.00}, costs {$110.00}, and attorneys fees {$150.00} ). I borrowed money from my 401k to pay this, and they sent a letter back that as of today XX/XX/2017 I owe XXXX due to interest being charged. This is a lot of interest for 2 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Nelnet, Inc.
State: MD

Complaint narrative:
I was shocked when I reviewed my credit report and found several late payments on my XXXX student loans with the dates below : 120 days past due as of XX/XX/XXXX 90 days past due as of XX/XX/XXXX, XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that this was supposed to be in deferment and it did not get processed correctly or the payments I sent in were not registered.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-08 00:00:00
Product: Consumer Loan — Title loan
Issue: Charged fees or interest I didn't expect — 
Company: TMX Finance LLC
State: AZ

Complaint narrative:
Interest Rates that were based off of inaccurate information on a loan that I had paid in full the first month of having the loan. In addition to this, nothing was said about my current military affiliation.Currently I am a service-member the interest rate is unfair and unethical. I am at risk now of losing my vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-10 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of America Cash Rewards Visa offers and advertises purchase protection as one of their card benefits. This benefit offers purchase protection for recently purchased items that are lost, stolen or damaged. I filed a claim with XXXX for a recently purchased damaged item. I provided all requested documentation. I subsequently provided additional documentation. The claim was denied because the incident was NOT an " act of XXXX. '' The printed brochure I received with the credit card lists " acts of XXXX '' as reasons to deny a claim. This is clearly an example of Bank of America offering a benefit they have no intention of providing.

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 2017-04-09 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
I am XXXX military and in XXXX 2016 applied for amd received the Barclay 's Gold Card which had an incredibly generous offer for XXXX military, they went above the SCRA requirments. They offered 0 % interest and waived the {$990.00} annual fee. In XXXX we received word on Facebook that Barclays was going to stop the benefits for XXXX. My friend and I both called and we were assured on the phone that since we had opened our cards before XXXX 2016 that we would be grandfathered, and keep our benefits as long as we were on XXXX. 2 weeks ago I got a letter in the mail saying that they are changing the military benefits and that my account will be assessed the {$990.00} annual fee in XXXX. This puts service members and myself in a very hard spot because with little notice I have to pay off my entire balance and cancel the card or pay a XXXX fee that I was told I was exempt from. My balance is currently around XXXX, and I do not have enough in my savings to pay it off.

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 2017-04-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC.
State: GA

Complaint narrative:
XXXX/Navient is being sued and that 's exactly where my loans came from. My entire tax return was taken to pay them back while I 'M HOMELESS WITH XXXX CHILDREN. I have already sent in an appeal to have my taxes returned with all documentation. I 'm reaching out here as well. If it 's clear that XXXX/Navient is in the wrong then PLEASE RETURN MY TAX RETURN. I need it very badly and worked very hard for it. I had a XXXX in XXXX and XXXX then lost my home so calling Navient when I normally do was extremely difficult. All of my hardships are documented. If this company has been found with wrong doing as it has been then would it not be fair to return money taken from me by them?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-09 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: General Motors Financial Company, Inc.
State: LA

Complaint narrative:
On XX/XX/XXXX I leased a XX/XX/XXXX XXXX vehicle through the GM Auto Leasing process. On XX/XX/XXXX GM Auto Leasing repossessed that vehicle for no apparent reason. I twice wrote to them in search of a reason or rationale for having so abruptly removed this vehicle from my custody, in the middle of the night without my knowledge or consent. No reply has been received to date of this complaint to your agency. 

I see this as a blatant violation of the XX/XX/XXXX Consumer Credit Protection Act. 
All bank payments were current ; and the vehicle was duly insured. I remain at a lost for any kind of a answer to the age-old question of " Why? '' Your examination of this matter is greatly appreciated, as I am an elderly minority who has devoted his whole life to doing the right thing and living responsibly.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-08 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC
State: NY

Complaint narrative:
My name is XXXX I had a mortgage thru XXXX contract on a mobile home because of having XXXX illness I was out of work for a couple of months and had fell behind on my house payments and lot rent. When I got back to work I had gotten my lot rent caught up and had called Greentree who bought out XXXX andXXXXXXXX had offered to pay {$500.00} for three weeks and I would have been up to date on my house payments, but they refused the money offer so they broke the contract. And now a company called ditech has taken over the account and is trying to collect the money that is left owed on the trailer which I do not live in cause they would n't accept the the money and me and my wife had to get out. The trailer was sold to another party. I had told ditech what happened and told them to go after Greentree. They will not leave me alone. Account number is XXXX right now I am on social security XXXX and on state XXXX for the insurance I 'm in XXXX. I had my XXXX. And last month I had to have XXXX. I wish for ditech would go after Greentree they broke the contract not me, and I am not paying for something that I do n't have anymore.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-11 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Diversified Consultants, Inc.
State: GA

Complaint narrative:
Diversified Consultants is attempting to collect a debt that I do n't owe and I never established a contract with this company. Furthermore this company is reporting a negative tradeline onto all XXXX of my credit reports which is violating the FCRA law.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: IL

Complaint narrative:
I have been trying to cancell my PMI insurance With Ocwen and they keep stalling me and making up excuses. Have sent an appraisal, my payment history is excellent, my home is worth more and I have done many improvements. They will not contact me or give me any CLEAR answers.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-10 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: AZ

Complaint narrative:
I had mailed XXXX checks, dated XX/XX/XXXX, for my house payment and the {$.00} claiming that I was short of XXXX cents. 
The checks are # XXXX {$240.00} house payment and check # XXXX for {$.00} cents. I contacted a male rep and indicated that both checks were not in the system. 
This servicer has been problematic since, XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-11 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: BARCLAYS BANK DELAWARE
State: TX

Complaint narrative:
During the evening on XX/XX/2016 while in XXXX XXXX I was approached by a mall vendor concerning the purchase of women 's moisturizers. Though I had no intention of purchasing that evening I did agree to make an an appointment for the next day. My card was used to 'hold ' the appointment with a vendor. However, on the morning of XX/XX/2016 I decided to cancel the appointment and called the vendor to inform them of the cancelation. I was told no appointments had been scheduled yet and they confirmed that no charges would be posted to my card. Just to make sure, I also phoned my credit card company, Barclay/XXXX the same day, to advise them of a possible charge of {$320.00}, that was not authorized. At that time Barclay informed me the charge had not appeared and that a 'flag ' would be posted regarding my call. However, upon receiving my XX/XX/XXXX credit card statement the charge WAS posted to my account. I called Barclay XXXX and was advised to begin the process of dispute resolution. 

Since then I have written several letters to no satisfaction and am now filing my complaint with the CFPB concerning this charge and credit card company 's handling of the situation. I have requested my account be closed since finding my credit rating has been effected by approximately an XXXX point drop along with interest charges over {$230.00}. I would like resolution of this unauthorized charge and information on how to correct this " failure to pay '' posting on my XXXX /credit rankings. Before this occurred, my rating was in the XXXX. 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 explanation
Consumer complaint received 2017-04-08 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: JPMORGAN CHASE & CO.
State: LA

Complaint narrative:
I WAS A VICTIM OF IDENTITY FRAUD/THEFT. I SENT CHASE BANK AND XXXX XXXX LETTERS AND FTC ID THEFT AFFIDAVIT AND BOTH OF THOSE BANK 'S REFUSE TO DELETE THEIR INQUIRIES THAT THEY SAY ARE CORRECT EVEN WHEN THEY HAD THE AFFIDAVIT I SENT THEM AND THE COPIES OF THE CREDIT REPORTS I SENT THEM. THEY BOTH ACT LIKE IT 'S NOT THEIR PROBLEM. I HAVE LETTERS FROM THEM STATING THEY WILL NOT/REFUSE TO DELETE THE INQUIRIES.

Company response to consumer: Closed with non-monetary relief