vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-05-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NATIONSTAR MORTGAGE LLC
State: KY

Complaint narrative:
Nationstar ( dba.MR COOPER ) added an escrow account to my mortgage payment and reported it 30 days late in XX/XX/XXXX. They acknowledged this was done in error and failed to correct my credit to positive status for over 7 months. They also reported my account 30 days past due for XX/XX/XXXX, XX/XX/XXXX andXX/XX/XXXX, even while accepting my payments and providing written documentation that the negative reporting was their error. They also provided written documentation that the account was never late and should have been updated with the credit agencies. As of XX/XX/XXXX, my credit score is still under 650 because of the late payments reported over the last 7 months and I have documentation of 11 attempts to correct this via email, mail and phone calls. I have also hired a lawyer to work on my behalf. I have suffered severe financial loss due to these errors and the length of time that my credit score has been damaged. There is no explanation for the 7 months of delays is correcting the errors in my credit reporting and I would like the CFPB to investigate this case and hold Nationstar responsible for it's gross negligence. I hope this case will be used as an example of how mortgage services can destroy innocent victims credit and cause innumerable levels of stress and financial damage. There needs to be better credit correction oversight of mortgage services in the future to prevent this from happening again.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: CA

Complaint narrative:
I have been paying additional amounts on my monthly payments in order to reduce the principal. I have just found from dealing with the company that additional amounts I have been paying since XX/XX/2012 have not been applied to principal. Instead the company have been holding the funds for future payments in a " paid ahead '' status. 

Basically holding my money and indefinitely pushing it forward in time to future payments instead of applying it to principal. This is a problem because I am paying the money now to reduce the principal on which I am paying interest. But they are not applying it to the principal, so they have my money, have not reduced my principal and are still changing me interest on the full amount. 

I had NO IDEA this was happening. I have been paying a lot more each month to reduce principal and apparently they have just been holding my funds. 

As of today, after speaking with a rep, they said they have taken off the " paid ahead '' status on my account. :

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC
State: OR

Complaint narrative:
Mr. Cooper claims I am in bankruptcy but has revealed that it was a mistake. Someone with the same last 4 digits of their social security number is in bankruptcy and it applied to me. I have tried to get this resolved but nothing is working. 

Here is a summary of the calls I've made : XX/XX/XXXX - Discovered I was not the person that was in bankruptcy. Assured me that the issue would be resolved in 2 or 3 business days.

XX/XX/XXXX - Confirmed that it was an error on their part. Agent opened a review.

XX/XX/XXXX - Confirmed that it was an error on their part. Agent saw the open review and decided not to open another since it would start the process over. 


Due to this I am : 1. Not able to pay my monthly mortgage, they are not accepting payments 2. Can not log in to account on https : //www.mrcooper.com/XXXX  to see my loan details Since I can not pay will this affect my credit? Am I going to have to pay my amount due immediately when I get cleared? I am selling my house. Will this affect the process?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-11 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc.
State: GA

Complaint narrative:
I have no knowledge of this debt. 
I'm requesting for a debt validation of this debt or delete the negative report off my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-11 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: GENTRY FINANCE CORPORATION
State: UT

Complaint narrative:
I have filed a complaint once. The companies response specifically stated they dont intend to disrupt the workplace and they noted the account and will stop calling my employer. They continue to do so MULTIPLE times a day.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: WY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX has received 2 requests from myself asking for proof of the disputed debt as well as proof they are licensed to collect debts in my State. Each letter is responded to with one saying Your dispute is rejected. They have never shown proof of debt or even that they have a legal right to try to collect this since I believe they are not licensed to collect in the State I live in. I can not deny or accept the debt without proof from the original creditor and they have outright refused to provide that.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-11 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: REGIONS FINANCIAL CORPORATION
State: GA

Complaint narrative:
I am the sole, legal representative of my deceased mother 's estate. My mother died on XX/XX/XXXX. I submitted a death certificate, XXXX, a copy of her WILL, and all of the XXXX XXXX XXXX XXXX 's documentation that the WILL had been properly probated and is closed. I am also the co-owner on her checking account. The branch lost my paperwork. I resubmitted paperwork on XX/XX/XXXX to Regions Bank, XXXX XXXX XXXX XXXX, XXXX, GA XXXX. The branch refuses to release funds or change the name legally on my account and has illegally locked my account. Instead of acknowledging their mistakes, they are requiring me to reopen the estate, despite having a all legal documentation. This bank has done nothing to resolve the issue. I am afraid this could happen to other consumers.

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 2018-05-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Avant Credit Corporation
State: CA

Complaint narrative:
The creditor Avant is reporting my account with them as included in bankruptcy. I believe this is a violation of the law since the account and all reporting was stopped as of XX/XX/2014. 
Adding a negative remark once in bankruptcy is a violation of the bankruptcy laws for reporting of creditors to the credit bureau.

I also asked for proof of this being my account since I have had multiple accounts that were paid in full and they have refused to send me a signed contract as proof this is a different account and not a duplication of one of the paid accounts I have had with them. There payments made according to the credit report but the paperwork sent to me shows the payment schedule but no payments received by them. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-11 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: IL

Complaint narrative:
On XX/XX/2018 I performed a wire transfer with Moneygram. Within seconds the funds were removed from my account as the transaction was completed. Moneygram withdrew {$540.00} from my account. Literally, 10 minutes after the initial transaction, the recipient was not allowed to retrieve the funds. I contacted Moneygram to inquire why the transaction was canceled, and I was informed that the system canceled it and no further information was available. At that time I requested a full refund. I was told that it will take 10 business days for me to retrieve my funds back. I feel as though I have been scammed. How is it possible for them to deduct my funds only to cancel the transaction in a matter of minutes. Why wasn't the transaction disallowed before the removal of my funds. I feel that Moneygram is capitalizing on the interest of my funds. My bank will not acknowledge my dispute because Moneygram representatives are informing me that they can't provide any form of documentation to show that my transaction was canceled. The 5th representative basically told me to " take his word, I will get a refund ''. This is beyond frustrating that no one at this company can explain wy the transaction was canceled, nor can they explain why I have to wait 10 days due to their error. I am now forced to deal with numerous adverse charges into my account. This is a horrible business.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-11 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: Big Picture Loans, LLC
State: MD

Complaint narrative:
I received a letter stating Failure To Pay Could Affect Your Credit History. I have never applied for a loan from this company ; and now I have gotten this letter telling me I am past due on my loan payment. My personal information must be used improperly.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-11 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Comerica
State: CT

Complaint narrative:
On XX/XX/XXXX I noticed a fraudulent charge on my account and a on XX/XX/XXXX There were 2 {$20.00} charges and a {$240.00} charge. I got the {$40.00} but I am waiting for the rest

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-05-11 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Confusing or missing disclosures — 
Company: U.S. BANCORP
State: NE

Complaint narrative:
My husband and I bought a Certificate of Deposit on XX/XX/XXXX from First Bank. First Bank was bought out by US Bank in XX/XX/XXXX. On XX/XX/XXXX we took the CD to an US Bank for disposition, but was told that they have no record of the transfer from First Bank to US Bank in XX/XX/XXXX. The CD was for {$1800.00}. I was told by the bank manager that we must have  cashed it in, but this is not true. 

What I've done. 
1. Called FDIC and spoke to XXXX who suggested that I call the State Income Property Office @ XXXX in XXXX, Ne. and CFPB. -XX/XX/XXXX 2. The State Income Property had no record of the CD described. -XX/XX/XXXX 3. Called the CFPB to make a complaint on XX/XX/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 2018-05-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On Tuesday XX/XX/XXXX, around XXXX XXXX, I received a phone call from theIRS, who were apparently NOT the IRS, but scammers. In the ensuing 3 hours, thru a series of {$500.00} XXXX play cards, the scammers had defrauded me to the tune of XXXX. 
When I realized what had happened, I IMMEDIATELY called both XXXXXXXX XXXX ( credit cards ) and Wells Fargo ( checking account and credit card ). XXXX immediately reversed the charges, but Wells Fargo, though they took my report, did not reverse the charges, allowing what were pending transactions that same day to posted transactions the next days. I had notified Wells Fargo 30 minutes after the scam was done. I talked to rep on the phone ( claim # XXXX ) They told me they had frozen the accounts, but in fact, sat on their hands the whole day, tho I had reported it 30 minutes after I realized it was a fraud. 
In contrast, XXXX immediately that day put a stop to the charges. I even went into a local branch of wells fargo and saw the pending status of the charges, tho I had reported it immediately after the fact, hours before. 
My complaint is that Wells Fargo sat on their hands the whole day, allowing the items to post, rather than immediately putting a stop to the charges and contacting XXXX about the fraud. So, in addition to the scam, I have to deal with Wells Fargo putting it into their fraud and complaint dept, rather than dealing with it as soon as I reported it.

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 2018-05-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Capital one auto finance has indicated that I was 30 days late on a payment for the month of XX/XX/2014. I received a copy of my payments and it indicates that for the month of XX/XX/2014 I made a payment on the XX/XX/XXXX which is 21 days late and not 30 days late.

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-11 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX & Bayview Loan Servicing LLC have jointly engaged in fraudulent and deceitful tactics designed to prolong, frustrate and extend the reasonable time allowed to furnish a mortgagor documents demand in a closing such as payoff letter, conditional lien and XXXX release upon full payment and cancelation of assignment of rents upon payment in full. The tactics have proven to be very profitable where month after month they collect on additional mortgage payments and interest that would not be otherwise due. In addition, they are claiming illegal and unlawful fees to record a mortgage discharge and for payoff letters which are totally abusive and illegitimate. I have asked for a copy of my mortgage which they provided for a fee because they claimed all the fees would be detailed but none of it was true, these two company whom pretend to be distinct actually share same office space and ownership and I believe are employing extremely fraudulent tactics. None of it is getting noticed by anyone on the enforcement side. it must be someone protecting them again, I demand a full investigation into these illegal and fraudulent conduct by such bid companies that affect the lives of so many consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have submitted documentation to the three credit bureaus to correct the information that is reported to my credit file. The information state there is a high balance on this particular account when this account was paid in full ; After three separate attempts this account was eventually updated and deleted from the to credit bureaus XXXX  and XXXX. Unfortunately this account is continuously reported to Experian showing a high balance which in the account was paid in full. I request that this account to be verified of this amount or deleted immediately. And if this account is indeed verfied of this amount I request the original signed contract of this documentation with my original signature stating that I owe the additional amount. If There's no additional amount owed I request that this information to be deleted from my credit report immediately corresponding with the deletions that XXXX  and XXXX made.

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 2018-05-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: WA

Complaint narrative:
the company XXXX XXXX XXXX withdrew my mortgage of {$1200.00} twice this month first on XX/XX/18 and again on XX/XX/2018 the one on the 8th not being authorized. i then called them and they refused to help  citing i have to email them my bank statements and wait 5 business days to see if they will refund me the money which i need to pay other bills.

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 2018-05-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CASHCALL, INC.
State: CA

Complaint narrative:
Cashcall is reporting my account included in bankruptcy which is a violation of the bankruptcy filing law. 
I also requested a copy of a signed contract since I have had multiple account which were paid in full. I have not received a copy of my signed contract and the payment schedule that sent me was for one year of payments when they are reporting two years of payments. 
They also are reporting multiple lates on this account for the months of XX/XX/XXXX and XX/XX/XXXX 60 days late and 30 days late. Their payment schedule is had to read and doesnt show a 60 day late payment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-11 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONSTAR MORTGAGE LLC
State: TX

Complaint narrative:
I filed a complaint on XX/XX/XXXX stating that Mr. Cooper Mortgage told me that XXXX XXXX was included in my escrow. Mr. Cooper agreed to pay for the outstanding tax bill with my escrow. They charged me two separate payments of {$1900.00}, but only paid XXXX XXXX   {$1900.00}. So I filed another complaint on XX/XX/XXXX where Mr. Cooper confirmed they reached out to the wrong entity on XX/XX/XXXX again, City of XXXX. I have repeatedly over the last few months tried to provide Mr. Cooper with the correct contact information. The last attempt was to XXXX  in an email response on XX/XX/XXXX I'm yet to receive a response. I requested a reschedule of the foreclosure trial that was suppose be XX/XX/XXXX Now it's XX/XX/XXXX. Here 's the following email from XXXX XXXX confirming Mr. Cooper has never contacted them.

From : XXXX XXXX <XXXX> Date : XX/XX/XXXX at XXXX XXXX CDT To : XXXX XXXX   <XXXX> Cc : XXXX XXXX   <XXXX> Subject : Re : XXXX XXXX v. XXXX  / Cause No. XXXX XXXX XXXX XXXX XXXX is with the City of XXXX, not with XXXX XXXX XXXX. She does not have knowledge of the collection matters. She can simply look online like any person.

Additionally, recordings of non parties are inadmissible hearsay.

XXXX -- XXXX XXXX XXXX XXXX On XX/XX/XXXX, at XXXX XXXX   XXXX XXXX <XXXX> wrote : Hello XXXX XXXX I have a recorded voice conversation onXX/XX/XXXX where XXXX from XXXX XXXX told Mr. Cooper those were the only fees due. Mr. Cooper will try to reach out to you today to try to resolve this issue again.

XXXX XXXX On XX/XX/XXXX, at XXXX XXXX, XXXX XXXX <XXXX> wrote : XXXX XXXX, Attached please find the Plaintiffs Notice of Trial in the above-referenced matter.

Respectfully, XXXX XXXX Legal Assistant XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.

The Overlook at XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, Texas XXXX T : XXXX XXXX F : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: FL

Complaint narrative:
On this current account I have inaccurate information that can not be verified and I have a question documentation to verify this information. On this account I have unverified late payments during this time the account was in forbearance and there should not be any late payments. I have called to request a forbearance to avoid any form of late payment due to the fact I was continuing education with this particular loan service. According to several agents the individual who took the information did not update the information or did not process the information and result causing derogatory late payments on the account. I have requested the original contract of this account on three different occasions and have yet to receive anything. And if there is indeed late payments I am requesting the original signed contract with my original signature agreeing to these practices. If none of this information can not be provided I request that the unverified late payments to be updated to positive & current.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-11 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: Stuart-Lippman and Associates, Inc
State: FL

Complaint narrative:
I have been dealing with STUART-LIPPMAN & ASSOCIATE INC, I  sent a debt validation letter on to them certified mail return receipt on XX/XX/XXXX, and never received any response from them. They received the certified letter on Monday, XX/XX/XXXX. As you can see in my letter I have asked for validation, bearing my signature, showing that I have or ever had some contractual obligation to pay Stuart-Lippman & Associate , Inc. This negative mark found on my credit report from this company is a violation of the FCRA & FDCPA. I never received the paperwork as asked. I have asked XXXX to validate the debt bearing my signature and ask for a method of verification, and still nothing. Yet every month it is on my credit report paid was a collection. This debt is not valid or have been validated bearing my signature, and should not be on my credit report. If STUART-LIPPMAN & ASSOCIATE INC can not provide all the validation this account MUST be DELETED. XXXX deleted the account as they found there was no validation of the account. This account was closed XX/XX/XXXX Also, reporting a debt to the credit reporting agency, XXXX that can not be validated is a violation of the FCRA ( Fair Credit Reporting Act ),  and carries a fine to be paid to me.

Company response to consumer: Closed with explanation