vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-04-20 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: New Century Financial Services, Inc.
State: MI

Complaint narrative:
NEW CENTURY FINANCIAL SERVICES, INC. tried to garnish my wages   XXXX   within this letter it referenced a Docket Number   XXXX   XXXX   I researched NJ courts website and found that there was a Civil Judgment against me   XXXX   XXXX  . I had no knowledge of this judgment, I was never served, I had left the state of NJ   XXXX   XXXX   when I relocated to MI. I contacted several lawyers in   XXXX   to appeal the Judgement, and have it vacated. No lawyer would take my case " As it was n't worth it, as the alleged debt was {$460.00} and their fees would be in excess of {$2000.00} ''.   I wrote a lette  XXXX   XXXX   XXXX   XXXX   to the  XXXX  court to the presiding  XXXX  explaining my situation, I had this letter notarized and wrote a statement at the bottom stating that all the above was true etc. I submitted my  XXXX  form for  XXXX  from my employer in  XXXX  and a copy of my lease, reflecting my MI address.   The courts scheduled A WAGE EXECUTION Hearing   XXXX   XXXX   XXXX   XXXX  n front of   XXXX   XXXX   XXXX   XXXX  . I could not attend the court hearing and phone the judges clerk who advised me to submit a fax stating the reasons. I requested if I could attend via telephone, this request was denied. I believe the ruling was that the judge denied the wage garnishment, however when I contacted the courts, I was told that I had wavered my rights to know the outcome as I did not attend. I have looked on the   XXXX   courts website and as far as I can understand it was " Disposed ''??   I recently contacted the court and requested the case files, which I am waiting on.   Is there anything that I can do? I feel helpless, this has negativley impacted my  credit score . It will continue to be reported until  XXXX . I can not understand how this can go this far without my knowledge. I was never contacted regarding this debt prior to  XXXX . I have spent time and money trying to rectify this situation, all to no avail.   Thank you in advance for your kind attention regarding this matter I would like to state that during the  XXXX  years living at my  XXXX  address, my mail was always being mis-delivered as there was a similar address in the same city.

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 2017-04-19 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: SYNCHRONY FINANCIAL
State: IA

Complaint narrative:
I opened a  JC Penny credit card at a JCP store  on   XXXX   XXXX    , at that time they did not tell me that card had a anual fee. Then I left for another country for  XXXX  years. When I came back, I was informed I owed the card {$130.00} annual fee. It was really unfair but I  paid it off. Finally I found this had been recorded in my credit history. It is not my false. JCP has the cheating behavior. I want to remove this charge off record from my credit history.

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 2017-04-19 00:00:00
Product: Bank account or service — Savings account
Issue: Using a debit or ATM card — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MN

Complaint narrative:
Bank Of America Worker r obed me  XXXX  Dollars because  Bank Of America   XXXX   XXXX  ATM Cards  XXXX  and Address not mine I have not been able  XXXX  open new Bank account after  Bank of America   XXXX  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 2017-04-19 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
A qualified written request was submitted to the lender on   XXXX   with no response and no postponement of the sale date to allow time for there research to provide the requested loan information and history to assist the client in keeping there home

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 2017-04-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Early in  XXXX  I posted a payment to  Wells Fargo Home M ortgage for the   XXXX   XXXX   XXXX  . I did this because it keeps them from callin g 2 or 3 ti mes a day if I want to pay at the end of the month. By  XXXX  I was aware that I was n't going to be able to make the payment. I tried to reschedule to payment on my phone but I got a message saying that they were n't able to access the loan data so I should try back later. And I did. Over  24 hours I tried about 10 times, o nline and on my phone, to change the date of my payment. I kept getting the same message. On the   XXXX   XXXX   XXXX   I walked into a  Wells Fargo b ranch to see if they could help me either cancel or rechedual my payment. After half an h our, two ba nk employees looking at my mortgage account, I was told that the problem is that the payment is pending, which is not what the message said. The woman who I talked with at the branch told me that the only think I could do was make sure that the money was in there because it was coming out. I knew that if I let them complete the transaction then the payment could be retried up to 3 times over drawing my account or taking out money as soon as I get income. I had to call my bank and put a ACH cancel/hold thing to make sure the payment will not go through.

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 2017-04-19 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
This an addendum to previuos complaint again st Ocwen Servicing.Both  previous Loan Modification are not included in the paperwork that has been mailed to you.I had a Loan Modification in XXXX  with  GMAC Mortgage  with a fixed rate of 4 %, also  Hamp Modification was approved by Ocwen Loan Servicing i n  XXXX   XXXX .My relationship manager at that time was  XXXX   XXXX  who called me in  XXXX , AZ whil e I w as on assignment there.As previously outlined the court trial on  XXXX   XXXX  evolved around the issue of not having received the actual paperwork in  XXXX , NV un til mid   XXXX   XXXX .The file mailed to me by your agency contained the shipping label and a piece of paper with my fprwarding address.The argument being served via Publication therefore is unfounded.According to a law firm in  XXXX   XXXX   XXXX , Florida  the letters I mailed to Ocwen Loan Servicing requesting information meeting criteria for QWR under the truth in lending and therefore should have been ans wered.There is no mentioning of any Loan Modification on the original complaint to the court.Both parties,  Ocwen Loan Servicing a nd  XXXX   XXXX   XXXX   XXXX   XXXX   are one entity  and not two  XXXX   XXXX , Attorney for   XXXX   XXXX    XXXX   XXXX , and  XXXX   XXXX   XXXX , Loan Analyst for  Ocwen Loan  Servicing should be  held accountable  for an explaination.Furthermore,  XXXX    XXXX    XXXX  Dollars were deducted out of my bank account by  Ocwen Loan Servicing WITHOUT my authorization.Under  RESPA  ,  QWR, Truth  in  Lending, Regulation Z I hereby request following items : COMPLETE copy of BOTH Loan Modification including cover letter.Under the information request QWR, name and address of unassigned lender or private investor and explaination for unauthorized withdrawal from  XXXX   XXXX .Thank you for your attention in this matter.Respectfully,  XXXX   XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-21 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Dovenmuehle Mortgage, Inc.
State: SC

Complaint narrative:
My wife and I have  XXXX  mortgages on rental townhouses both initiated at the same time ( on or about  X/X/2016    ) with  XXXX   XXXX   XXXX   XXXX   (    XXXX   XXXX   XXXX   XXXX  , NC  XXXX  ). During signing, it was disclosed that the loan servicer would be Dovenmuehle Mortgage (   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  , Illinois  XXXX  ). We have paid on time and are current on both mortgages. I am have never filed bankruptcy and we always pay on time for all our debts.     However, it recently came to my attention that while we were receiving electronic statements on one of the mortgages, we were not on the other. Believing this was an error, I contacted the company by phone today and spoke with a customer service agent as well as a supervisor, both of whom stated they are unable to and would not provide monthly statements on the mortgage. The reasoning they gave was because the loan was " set up to be paid with a coupon. '' Even though both loans were setup the same way and that a coupon book payment has no bearing on their responsibility to provide a statement, they insisted it would not happen. They even went so far as to say that statements I had received on the other mortgage were in error and would stop after they fixed the problem!     This is in violation  12 CFR Part 1026 ( Regulation Z ) which requires that a mortgage company provide timely statements.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-17 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due as of   XXXX   XXXX   XXXX   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 my monthly statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-21 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc.
State: MN

Complaint narrative:
Received a reply from experian today that the information will remain the same nothing was verified at all. Have reports from the bankruptcy itself stating that they do not report to credit agencies. To Whom It  May Co ncern : I have recently been informed that there is a Bankruptcy in the file you maintain under my Social Security number. Upon ordering a copy of my credit report, I see an entry listing a   Bankruptcy in I do not have a Tax Lien or Bankruptcy.
( UNITED STATES BANKRUPTCY COURT DISTRICT MINNESOTA ) does not report ( type of file - Tax Lien or Bankruptcy ) to credit bureaus.     Federal law protects the privacy of most personally identifiable information reported. However, credit bureaus actively search public records for any judgements or tax liens.     A Bankrup tcy filing is public information. Again, ( UNITED STATES BANKRUPTCY COURT DISTRICT MINNESOTA ) does not report anything to the various credit bureaus, nor do they verify that the information reported is accurate. ( CB Name-  XXXX  ,  XXXX  , Experian ) has found information on ( type of file - Tax Lien or Bankruptcy ) through third party research.      Please validate this information and provide me with copies of any documentation associated with this account bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number.     Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act, section   623 ( a ) ( 3 ), and I am keeping careful record of your actions.
Failure to respond satisfactorily within 30 days of receipt of this certified letter will result in a small claims action against your company. I will be seeking {$5000.00} in damages for : 1. Defamation 2. Negligent Enablement of Identity Fraud 3. Violation of the Fair Credit Reporting Act You will be required to appear in a court venue local to me, in order to formally defend yourself.

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 2017-04-21 00:00:00
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
i received a letter  from Midland credit, I disputed the collection requested verification and validation which was not received. I received a letter stating I created a payment plan and made a payment to Midland, I wrote Midland  disputing that I have had no contact nor made a payment and did not receive a response. I also disputed this with  XXXX  which they removed but   XXXX    and  XXXX   XXXX  refuse to remove, documents were sent as well. In addition, this has changed the date for the statute of limitations on this account and will now the new date is a year later.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
I was notifie d two years later of   missed payments on my Dept. of ED loan, for which I applied for and received forbearance. Navient inadvertently applied the forbearance to my Federal loan, and are trying to m ake me pay for their mistake. Their error increased my payment and extended the life of my loan. I 'm absolutely certain their efforts are fraudulent. The customer Service advocate 's initially response was : inconsistent payment times caused the loan to accrue interest. That 's what late feers are for, but no fees were assessed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-19 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: Southwest Credit Systems, L.P.
State: PA

Complaint narrative:
I have been contacted incessantly and at all hours by various representatives of "  SW Credit Systems LP.   '' They claim I owe {$260.00} to  XXXX  from  XX/XX/XXXX  and on   XXXX   listed this is my  XXXX  credit file. I do NOT owe "  SW Credit Systems,  LP '' ANY balance whatsoever nor anyone they claim to represent, including  XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-19 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Receivables Management Partners, LLC
State: IN

Complaint narrative:
I was taken to the hospital while on duty with the Indiana  XXXX   XXXX   XXXX . The bills are essentially workman 's compensation injuries. The state has neglected to resolve this issue in a timely manner, and I am still in the process of having them take care of the bill. Please contact my liaison  XXXX   XXXX  at  XXXX  XXXX  XXXX  or  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-19 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc.
State: MD

Complaint narrative:
My mortgage company , Seterus , Inc  XXXX , consistently charge an amount that is n't consistent with my records, claims that I owe additional charges in excess of {$2000.00} and refuses to provide any itemization as to the additional charges. The monthly statements consistently reflect an amount in excess of what I feel is owed. The principal amount is questioned. I wrote the corporate office to advise and request the same and have not had the matter addressed to my satisfaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-19 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: M&T BANK CORPORATION
State: CA

Complaint narrative:
A qualified written request was submitted to the lender on   XXXX     with no response and no postponement of the sale date to allow time for there research to provide the requested loan information and history to assist the client in keeping there home ).

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 2017-04-18 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: CA

Complaint narrative:
I am illiterate when it comes to finances. I took what loans were offered to me so that I could focus on my education and not have to work so many hours to stay afloat. After I graduated and was ill-prepared to enter the work-force, I found out my school was shut down. Unable to find a job in my field I kept pushing off paying my loans back because I could n't even come close to affording them. Every time I would call, the person on the phone would immediately offer me forbearance, and simply suggested that I look up my repayment options. This went on for years. Now, I actually applied for  IBR and se lected the box on the application for Navient to chose w hich IBR plan wou ld give me my lowest payment. After about a month and never hearing from them, I finally called and they told me my payment was {$260.00}, which is a hardship for me but I assumed it was the best that could be offered. When I went online to make my first payment at long last, I saw that I had missed it! There wer e two sets  of loans, each with a monthly payment of about {$250.00}, totalling about {$500.00}. When I called they told me that I had been put on the income-sensitive plan, but that my payment could be lower on another plan. And they offered me forbearance again while I figure it out. My loan balance has almost doubled since I graduated, and I have n't even been able to make a payment yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-18 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: ERC
State: TX

Complaint narrative:
Account was paid as agreed.

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 2017-04-18 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Problems caused by my funds being low — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Approximately 1 year ag o Citibank sold  me on taking their   XXXX  progr am which apparently gave me some extra services with a financiaal institution I 've been doing business with for 40 years. The requirement for keeping    XXXX   status was to maintain accounts with  a   XXXX   amount of {$50.00}, which I have done. Today I received a message fro m Citi that the cumlative amount now required has changed to {$20000.00}. It 's not so much that I trasure their gold program, It 's more that I think I 've been taken by very bad custome practices by Citi

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 2017-04-20 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: OK

Complaint narrative:
On   XXXX   XXXX   XXXX     I requested my loans be enrolled in the  Navient AutoPay sy stem. The request was processed showing the  AutoPay wou ld start for my loans on   XXXX   XXXX   XXXX    . However, this loan payment was not processed and th e Autopay did not take effect. The interest rate was not reduced by the 0.25 % as advertised on the website. I made the   XX/XX/XXXX  payments manually on   XXXX   XXXX   through the website, and called on   XXXX   XXXX   to have the  Autopay service enabled on  XXXX  of  the loans. At this time, I also requested forbearance on the largest loan. I confirmed on   XXXX   XXXX   forbearance on my first loan, Loan number  XXXX  and  Autopay en rollment to start on   XXXX   XXXX   for  XXXX  and  XXXX . I also confirmed  that Autopay wo uld not affect my ability to pay the  XXXX  loans currently in repayment ahead. After receive vocal confirmation of all this I concluded the call. On   XXXX   XXXX   XXXX     I called Navient because I logged into Navient.com and saw my loans were not enrolled in  Autopay.  When I reached a representative on the telephone she told me I requested to put all three loans into forbearance on the website. I told her this was inaccurate and I explained I requested the forbearance f or one loan over the phone. I asked for a supervisor and the representative started backpeddling. I was told to  hold for a supervisor. A supervisor was never brought on the line. However, the representative informed me the  Autopay was started a nd would take effect for    XXXX   XXXX   XXXX     . She informed me I would be able to see this on the website tomorrow because I was not able to see any change on the website. The school loans were received through  XXXX   XXXX  University and University  of    XXXX   University  College.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: FL

Complaint narrative:
On or about  XXXX    XXXX  , my   XXXX   XXXX    XXXX  mortgage was sold to Carrington Mortgage Services ( Acct. No.  XXXX  ). While with   XXXX   XXXX    XXXX , I went through a modification, wherein foreclosure fees were incurred and added to my principal balance, with the exception of some title and attorney fees in the amount of approximately {$1400.00}. These fees were added to my account as additional fees and NOT due and owing until satisfaction of my loa n (  language to this affect was outlined in our modification agreement ). S ince Carrington  has taken over the loan, they repeatedly include these fees in my total amount due each month and report this as a past due amount to the credit reporting agencies, thereby adversely affecting my credit. I 've called and they will not correct, and state they will continue to do this. When they took over my mortgage they assumed all the terms and conditions entered into with   XXXX   XXXX   XXXX   XXXX . This lender has horrible reviews and a flawed history. Please help. This is also the same issue for the co-borrower on my loan,  XXXX   XXXX .

Company response to consumer: Closed with explanation