vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-08-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Neighborhood Assistance Corporation of America ("NACA")
State: MI

Complaint narrative:
Hello, I am looking for an attorney to review my realestate case.
I had been working with NACA, ( counselor : XXXX XXXX ),, Which is funded by HUD. They promise no down payment, 3.5 % interest rate, no closing costs and poor credit ok and loans up to 150 % of appraisal to make improvements. ( I lost all my rentals and my primary house in XX/XX/XXXXhousing crises/ predatory lending and was forced to file bankruptcy ) I bought a house on land contract with {$3000.00} down and 7 % interest, ballon in 5 years which was XX/XX/XXXX.
You have to go to pay for membership with NACA and go to meetings, volunteer and complete extensive paperwork. I completed my paperwork beginning XX/XX/XXXX and completed in XX/XX/XXXX I was promised my loan info would go to under writing and within 10 days I would hear back of closing. As far as I know my loan never went to under writing. I have called left messages, sent emails then complained to Member services and then received an email asking for updated bank statements. Now the office does n't even answer my calls or respond to email. I do n't know if I am being discriminated as throughout the whole process I have not seen another XXXX.
My landlord is stating he will be forced to start legal action. Now I am being forced into getting a loan thru XXXX XXXX ( who is a cousin of my land lord ), with high interest rate with several thousand in fees and no additions money to fix and insulate this house.
I appreciate any help you can give me. Please call/email once reviewed.
Thank you for your help in advance.
Sincerely, XXXX XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC.
State: NJ

Complaint narrative:
Attempted debt validation as of XX/XX/XXXX, company has failed to validate debt and later added to my credit report harming my person. Without debt validation they have refused to remove said debt from my report, it is still showing up and being detrimental to my overall score as of XXXX 2017. Has sent numerous letters attempting to collect debt since XX/XX/XXXX, refuses to remove from my report, and was unable to validate said debt. I have never had a contract with Midland Funding, LLC and therefore do not owe this company a dime!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC
State: DE

Complaint narrative:
I was approved by this company for a HAMP & mortgage assumption. I am XXXX years of age. This is what happened. I was faithfully making my payments on time and suddenly, my monthly payments started coming back to me. I was sent a letter and was told that my modification agreement was not properly notarized. I set out to get the proper notarization completed with the assistance of my housing counselor. All while this was going on, the continued to send back a total of three monthly payments, XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX and I did not send XX/XX/XXXX because I knew it would be sent back. All while this had happened I was going through health issues, I have XXXX XXXX XXXX XXXX XXXX and at the time I was XXXX XXXX XXXX. I am back on me fee but with the assistance of a XXXX. I went through mediation, and to make a long story short, the mediation was entered into a final which means, the lender took away my modification agreement and mortgage assumption. They said they wanted a lump sum payment, I had a certain amount to send them but I did not have the reinstatement amount they said I owed. I just want to say I feel this was not all of my fault because, when they said the medication agreement was wrong, they started sending back my payments and if only they had just kept the payments and placed them in reserve until I was able to get the correction done on my agreement. All would be fine and I would not be in this situation. I am XXXX years old, I have no where else to go, I have no family, I do n't have anything but my home. I am holding {$4000.00}. My counselor assisted me for a long time in finally getting the assumption approved and the loan modified and just when I thought I am going to be ok, this happened. This lender will tell you they made attempts to notify me and that may had been what happened but I was not in good health and still trying to regain my strenghth, I was in the hospital almost a month, it was a horrible time. All of the money they sent back they wanted back in a lump sum. And now my home is up for foreclosure, judgement has been entered and I do not know what else to do. I am scared.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: NJ

Complaint narrative:
During this time from XX/XX/XXXX-XX/XX/XXXX, Mohela at some point lended me money to pay forcollege, and when I called them to file for the amount on my loan before it was transferred to XXXX ( i did n't know ), the number went to a different lender and said Mohela at that time did n't have any records of me, and were shut down for fraudulent handling. So I was stuck with the amount, and could n't trace it back. I complained to Ombudsman 3-4 years ago, and they could n't help me, so I felt abandoned and closed my compliant. So if someone can please help me, I would appreciate it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
Attempted debt validation as of XX/XX/XXXX, company has failed to validate debt and later added to my credit report harming my person. Without debt validation they have refused to remove said debt from my report, it is still showing up and being detrimental to my overall score as of XXXX 2017. Has sent numerous letters attempting to collect debt since XX/XX/XXXX, refuses to remove from my report, and was unable to validate  said debt. I have never had a contract with XXXX XXXX, XXXX and therefore do not owe this company a dime!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I filed disputes with Equifax on XXXX XXXX,2017. They sent me emails that confirmations XXXX and XXXX were ready for me to retrieve them on X/XX/2017 and X/XX/2017. However, every time I go to their website to retrieve the results I am not able to access them because their website has been down for weeks now. I 've even called them a few times about this and every time I call they say the some thing. They say they are doing maintenance on the website and it should be back up within 48 hours. They 've been telling me that now for weeks. As of this morning it is still down.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: MA

Complaint narrative:
I was toward the end of my loan modification process and have been paying a new payment since XX/XX/XXXX. When I called to make my XX/XX/XXXX payment, Wells Fargo said that they were waiting for one last piece of the puzzle from me to approve the loan modification. They said they needed a power of attorney paperwork for my father ( XXXX XXXX XXXX XXXX ), who is a co-signer to my mortgage, which had been sent out out. During the conversation to make the payment, I told them that I 'm going to be selling my condo. When I said that, they said that the loan modification is now null and void and my condo is back on foreclosure status.
I requested a payoff quote of my mortgage. When I received the payoff and I looked at the figures, it said I owed XXXX on a condo I paid for XXXX back in may if XX/XX/XXXX.
I was about 11-12 months behind on my mortgage when the loan modification process started. My loan balance was XXXX as of XX/XX/XXXX. As part of the loan modification, HUD took out XXXX to lower my principle loan balance to XXXX thus making my monthly payment lower. When I was looking over loan payoff, they added in that XXXX twice, thus making my loan payoff XXXX. I 've been making faithful payments the first of each month since XX/XX/XXXXand that money is no where to be seen in my payoff. I called them on Friday and not much help at all I almost had a heart attack when I saw these figures I want to emphasize that the reason I fell behind in my mortgage is because I had a bad slip and fallXX/XX/XXXX and have been on XXXX ever since, and have had multiple surgeries I have sent you screen shots of the original loan modification numbers and the payoff numbers

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 2017-08-07 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Debt Recovery Solutions, LLC
State: RI

Complaint narrative:
I called Debt Recovery Solutions XX/XX/XXXX to request validation of a collection that showed up on all 3 of my credit reports. Debt Recovery Solutions reported on all 3 credit reports that I owe {$160.00}. I 'm requesting that Debt Recovery Solutions remove this collection of my credit. The validation that they provided showed that I had a diagnosis code of XXXX ( XXXX XXXX ) and a 6 digit CPT code XXXX and that I owe {$160.00}. I 'm not sure where they received this information, however my emergency room visit for Date of Service of XX/XX/XXXX was n't XXXX XXXX and I do not owe the amount the stated. I 'm asking that this company remove my collection from my credit report immediately. I reviewed my medical record and billing statement with XXXX hospital which shows that Debt Recovery has somehow managed to provide me with incorrect information after I asked for validation.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-07 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
There is two months that I am not received the bill statement to make the payment.
I had to call the Bank of America the last two months to asked how much I need to pay because every month there is a little difference. It look like the Bank of America lost my Home address. But I am 100 % sure if I made the payment late the letter charge fees will show up.

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 2017-08-07 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: IA

Complaint narrative:
My student loan debt went from XXXX dollars to XXXX dollars due to interest. I have tried many times to get the monthly payment down to where I could afford to pay, but they would not and only offered me deferments. Their websites are difficult to navigate, and to try to speak to someone on the phone is pointless they have thick accents which make it difficult to understand, and they can never do anything to help you. There is no way I can afford these monthly payments, I am XXXX years old, live paycheck to paycheck and having an XXXX mother who lives with me. I first became unable to pay my monthly fees when I was divorced in XX/XX/XXXX. I had to quit full time school, and I just took courses until I finished with my XXXX degree ( XXXX degree ) in XX/XX/XXXX. Whatever help or information you can give me would be appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: WA

Complaint narrative:
Re : Shellpoint Mortgage Servicing We have recently completed a Chapter XXXX bankruptcy and have notice from the Chapter XXXX  Trustee, that we/they have paid our Mortgage payments as required and we were current upon closing of the case, XXXX 2017. We have made the payments required by Shellpoint since the closing and have canceled checks to confirm receipt by Shellpoint. They continue to insist that we owe additional funds that seem to be attributed to amounts they had not posted properly during the bankruptcy. According to our records, the bankruptcy trustee made final payments in the amount {$56000.00} on XXXX XXXX, 2017. They also made a payment in the amount of {$56000.00} on XXXX XXXX, 2017. We received a letter from Shellpoint of Notice of Default and Intent to Accelerate dated X/X/2017. We have contacted them and talked with several employees without resolution. We have asked them for an audit and a full explanation of the amount they feel is owing. They have sent us an account summary but we have not received an adequate explanation of the full postings in the bankruptcy. We have been working with them since XXXX 2017 and feel that they are not diligently pursuing resolution. We have had no control over the selection of mortgage holders since our contract was sold by XXXX XXXX XXXX ( XXXX XXXX ) several years ago, we wish to refinance with a reputable firm as we have no confidence in Shellpoint. We are unable to do that until this matter is settled. We would appreciate any help you can provide.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
Dear CFPB. I am really disappointed with the result of the recent inquiry/problem with the citi card reporting me to the credit bureau. I did speak with their representative XXXX XXXX XXXX. She insists that, after requesting paper statement, later on I REQUESTED PAPERLESS STATEMENT. THIS IS A LIE! As well as she said that they sent me a text messages! Another lie! From XX/XX/XXXX to XX/XX/XXXX I did not pay bill, because I WAS EXPECTING BANK STATEMENT. Which never came! I just had XXXX (! ) being charged there, so, I forgot. At that time I was distracted as well. I had very serious personal problem. So unfortunately, I forgot to DOUBLE CHECK my statement online. Which I admit I should have! That is why I am BEGGING YOU, please do n't let them get away with the lie! She said they called me MULTIPLE TIMES! Maybe! But never left a message!!! IT WAS UNKNOWN to me number so, I did not pick it up! When I finally picked up and found out what was it all about, I PAID THE BILL IMMEDIATELY!!!! PLEASE! We, consumers are at the mercy of this financial institutions who time and time again love to rip us off at every opportunity there is!!!! I do not consider this as a fair solution. I have also mortgage with the citi bank. As soon as I pay my mortgage off ( which will be in XX/XX/XXXX ) I am closing my business with them!!! Very unfriendly!!! Unfair institution!!!!

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 2017-08-07 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
I was vulnerable during the housing crisis, Ocwen Loan Servicing LLC deceptively put me into a Shared Appreciation Mortgage that entitles them to 25 % of my property. This I feel was unfair and illegal. In addition to this I had a business partner who decided he did n't want to continue with his share of the property. I supplied Ocwen with a notoriety stamped Quick Claim Deed, and individually qualified for this scam Mortgage. Now five years later I 'm being held captive into this agreement. I 've recently asked why my former business partner name was staring to appear on certain documents they claim the he is still responsible for thus debt. How can he be held responsible when I individually qualified for this scam of a mortgage. I recently called and spoke with someone in XXXX and they sent me a letter asking for nearly {$800.00} to remove his name. I 've met the criteria already when I modified my loan. This type of stuff should n't be happening and the fact they wo n't let me out this Mortgage is scandalous.

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 2017-08-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
KOHLS credit card is reporting that I was 30 days late as of XXXX 2017,  but I have a statement from XXXX doesnt show that

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
Capital One absolutely refuses to help with my two accounts that are past due! I have several cards that are past due, and the companies have let me make minimum payments and took away ALL INTEREST FEES!! CAPITAL ONE REFUSES TO HELP!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CAVALRY INVESTMENTS, LLC
State: TX

Complaint narrative:
Cavalry Portfolio Services is reporting two collections accounts that they re-aged to the date they began collecting on them. These accounts are 7 years past their initial date of delinquency, however Cavalry has re-aged them to have an open date and a new account number so they appear as newer bad debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX credit card is reporting that I was 30 days late as of XXXX 2017, but I have a statement from XXXX doesnt show that

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 2017-08-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX credit card is reporting that I was 30 days late as of XXXX 2017, but I have a statement from XXXX doesnt show that

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 2017-08-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
This concerns my Visa through Best Buy, which is through ( according to my card and online account ) Citibank , N.A .
I agreed to pay the minimum due on my account each month. It is set for automatic payment. My previous credit limit was {$2500.00}.
On XX/XX/XXXX I received a statement stating that my minimum payment due was {$77.00}, due on the 1st. This has been in line with most of my minimum payments ( which have been in the $ 50-90 range. ) Today I noticed that the charge that came out of my account for this payment was instead {$450.00} on XXXX XXXX, 2017. When I checked, it appears the change was made so that the company could subsequently lower my credit limit to {$2000.00} ( the payment brought my balance under {$2000.00}. ) I have had my limit lowered by other companies as I made payments. What I do not see is how it was legal for this company to charge an EXCESSIVE extra amount - {$370.00} more than my statement stated! - in order to lower my credit limit.
Not only do I not understand how this is okay, especially with my statement specifically stating my minimum ( what I agreed they could debit each month ) as {$77.00}, but also this has caused incredible hardship. My financial situation has changed since I first applied for the card, and so the minimum payment is all I have been able to feasibly pay. The excess amount taken is half of my rent payment.

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 2017-08-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: United PanAm Financial Corp.
State: AZ

Complaint narrative:
Early XXXX, I spoke to a representative and they offered a 2 month deferment.  I submitted the information onXX/XX/XXXX for the two month deferment.  Today I got an email from a XXXX XXXX XXXX  stating they have been trying to get a hold of me.  I received phone calls prior to signing the deferment.  AfterXX/XX/XXXX when I submitted the deferment, i received no phone calls... So, I assumed everything was processed and taken care of... Today I spoke to a manger by the name of XXXX and she explained the deferment was expired. The representatives at this company have bad manners and are very rude.

Company response to consumer: Closed with non-monetary relief