vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-06-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC
State: WA

Complaint narrative:
We have experienced issues with our mortgage servicing company, Nationstar. Our mortgage was transferred from another mortgage servicing company to Nationstar in XX/XX/XXXX Prior to the transfer, the other mortgage servicing company had overcharged us in XX/XX/XXXXbecause they had not accounted for a makeup payment we had made to our escrow. I had talked with the other mortgage servicing company in early XXXX about applying the overpayment amount to our principle. They did not do this before our mortgage was transferred to Nationstar. In XXXX, I notified Nationstar of this error and they made the change and reapplied all the payments that occurred in the interim. The very next automatic monthly payment that was made to Nationstar was erroneously applied to principle only. I did n't catch this until I noticed my Tax form showed a lower than expected interest paid in XXXX. InXX/XX/XXXX, I contacted Nationstar about this erroneous principle only payment and again Nationstar had to reapply all of my monthly payments dating back to XX/XX/XXXX Again (! ) the very next automatic monthly payment that was made to Nationstar was erroneously applied to principle only. It is now XXXX, and seeing that my Escrow balance is now short and I am being asked to make a makeup payment, I have contacted Nationstar and pointed out this issue again. I have talked with a call center supervisor and strongly suggested they elevate this issue as it appears to be a bug in their system that is causing mortgage payments to be misapplied after a correction is made. I hope they do so. My concern about this issue is that if I were not diligent in keeping track of how Nationstar is servicing my mortgage loan, the loan holder could have come after me for skipping an interest payment on my mortgage because of Nationstar 's error. I worry that others may have fallen victim to this error. I also worry that without accountability, Nationstar will not fix this issue and even more mortgage payers will have to deal with the problems this error creates.
It boggles me that Nationstar 's sole responsibility is to make sure my monthly payments are applied to my mortgage properly and they ca n't get it right.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-06 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: IN

Complaint narrative:
When we bought the home on  XX/XX/XXXX  we also received checks around  XXXX   XXXX  to pay off some other bills. Within  two  weeks our company went bankrupt and we had to file bankruptcy also. We still had the checks from Beneficial. Our lawyer and  Beneficial  said to send them back to Beneficial. That is when the problem started. I sent back all the checks to Beneficial but they never took them off of what we owed. I asked to get copies of the checks but to no avail. I told the gentleman I want to keep the house and I wanted it to be reaffirmed and he said ok.   I have been trying to get  XXXX  since  XX/XX/XXXX . My doctor has told me not to work. I am just asking to keep my home. Every since we bought the home it has been a nightmare. There was no home inspection done at the time that we bought the home and we had termites. That was a fortune to get rid of them and now the floors in the living room where the termites were is caving in and we are scared to walk on them. I still feel there is something wrong with the way the paperwork and closing was done. I have asked  Beneficial  to do an audit on our closing paperwork but to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have had numerous conversations with XXXX regarding my account # XXXX XXXX XXXX XXXX - Which was an old XXXX account that was converted into XXXX through XXXX. <P/>They charged me an unexpected fee, failed to disclose it, and then marked me 60 days delinquent for XXXX 2017. I am in the middle of a mortgage transaction and this is now causing serious problems and I am in jeopardy of losing thousands of dollars. I have talked to XXXX and they have agreed to remove the derogatory reporting, yet as of XX/XX/2017 they updated the credit bureaus and re-confirmed the 60 day late. Now my reports are updated with a late payment still on their. It is a nightmare to navigate the XXXX phone system, and every customer service rep I speak to is unable to understand my problem, or offer a solution. I urge, and plead for your assistance in resolving this matter ASAP. I am on a deadline of XXXX and need written confirmation before then that this late payment has been deleted from my credit history once and for all.

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 2017-06-06 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I have had numerous conversations with  XXXX  regarding my account #   XXXX   XXXX   XXXX   XXXX   - Which was  an  old  XXXX  account that was  converted in to  XXXX  through  XXXX .  <P/> They charged me an unexpected fee, failed to disclose it, and then marked me 60 days delinquent for   XXXX   XXXX    . I am in the middle of a mortgage transaction and this is now causing serious problems and I am in jeopardy of losing thousands of dollars. I have talked to  XXXX  and they have agreed to remove the derogatory reporting, yet as of  XX/XX/2017    they updated the credit bureaus and re-confirmed the 60 day late. Now my reports are updated with a late payment still on their. It is a nightmare to navigate the  XXXX  phone system, and every customer service rep I speak to is unable to understand my problem, or offer a solution. I urge, and plead for your assistance in resolving this matter ASAP. I am on a deadline of  XXXX  and need written confirmation before then that this late payment has been deleted from my credit history once and for all.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-06 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: CA

Complaint narrative:
I have had numerous conversations with  XXXX  regarding my account #  XXXX   XXXX   XXXX   XXXX  - Which was an old  XXXX  account that was converted into  XXXX  through  XXXX .  <P/> They charged me an unexpected fee, failed to disclose it, and then marked me 60 days delinquent for   XXXX   XXXX    . I am in the middle of a mortgage transaction and this is now causing serious problems and I am in jeopardy of losing thousands of dollars. I have talked to  XXXX  and they have agreed to remove the derogatory reporting, yet as of  XX/XX/2017    they updated the credit bureaus and re-confirmed the 60 day late. Now my reports are updated with a late payment still on their. It is a nightmare to navigate the  XXXX  phone system, and every customer service rep I speak to is unable to understand my problem, or offer a solution. I urge, and plead for your assistance in resolving this matter ASAP. I am on a deadline of  XXXX  and need written confirmation before then that this late payment has been deleted from my credit history once and for all.

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 2017-06-06 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: VA

Complaint narrative:
The problem is with Navient and trying to get my mother released as the cosigner. I faxed the need information per their website on XXXX-17. After 30 days and no response from Navient I called and was instructed to again send copies of my pay-stubs which I did on XXXX-17. Today I called after no response from them and was told they never received them and that I needed to re-fax more pay-stubs and that it would take another 30 days. It is important that my mother be released as cosigner and I feel that Navient is stalling this effort.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-06 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: TOYOTA MOTOR CREDIT CORPORATION
State: VA

Complaint narrative:
On XX/XX/XXXX    I received a letter from  Toyota Financial Services ( TFS ) s tating that they paid, on behalf of me, {$110.00} to  XXXX   XXXX , Virginia for personal property taxes for th e 1st  half of  XX/XX/XXXX  (    XX/XX/XXXX -   XX/XX/XXXX  ) . My car lease was terminated with them   XX/XX/XXXX   so the prorated amount per  the county  was only {$72.00} for the year.  The county  verbally confirmed that, due to the " Secrecy of  In  formation Act '' t hey were unwilling/unable to provide me a copy of the bill or information as to whether or not the account had been overpaid and a refund issued to  TFS.  They stated as the Lessee I am technically not on the account and thus this information could not be released to me.   I explained this to TFS on   XXXX   when I called in and they indicated that they had no record of this and that if a refund was to be made to them it would take them upwards of 6 months to refund it back to me. I have experienced this inaction on their behalf before when they mistakenly double charged me personal property taxes for the year of  XXXX . It took them 6 months to resolve the issue before and that was with an excessive amount of action on my end as the consumer.  <P/> They were very courteous in the past but now that I am no longer an active customer to them I simply owe them money and are unwilling to look into this further for me. I fear I will not see this {$41.00} again as they have nothing holding them to customer satisfaction at this point, and  the county  is unable or unwilling to assist me.  <P/> In my opinion, with a potential 6 month waiting period interest should be tacked on to the money they owe me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Continental Finance Company, LLC
State: MA

Complaint narrative:
I was contacted by  XXXX   XXXX  (  XXXX  )  XXXX    XXXX   XXXX  , NV a  XXXX   XXXX   XXXX  for  XXXX   XXXX  and  XXXX   XXXX  Fl. I had called the office and spoke with  XXXX  and was set to call her back Tomorrow.  XXXX   XXXX  from  XXXX   XXXX  proceeded to call my elderly  XXXX   year old  mother in law and was verbally abusive and threatening. When I called  XXXX   XXXX  and  XXXX  with this information they told me he went " off script '' and was not reading the script provided to him.  XXXX   XXXX  threatened to be on MY door step here in Massachusetts on  XXXX   XXXX . What his intentions are I do not know. I am on social security  XXXX  and do not make enough to cover what they want. I do not own property. This is a very old debt. When I called  XXXX   XXXX  back to tell him not to contact my mother in law again the phone went right into a message that " This phone is not set up to take calls at this time. '' These kind of threats are very frightening to all involved. Last year  Continental Finance Company had so meone call and personally threaten me. They were reported to the  XXXX  Police Department and were called while I was present in the room. This is not the first time.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Empire Financial Services, Inc.
State: MD

Complaint narrative:
In  XXXX  we started the loan procees with empire financial. The agent was   XXXX   XXXX  . After a month, my husband an i found   XXXX   to be unresponsive, present false information and used harassment to try to gain documents from us. We found another lender and authorized a switch.  XXXX  then proceeded to call my work, cell and email me repeatedly. He then proceeded to harass my realtor and threaten her. He said he would hold the fha loan and keep it alive on his end. He would not release it to the new lender. For a month now my new lender has requested the fha case file 4 times.  Empire  refuses to release it and fha itself is trying to help. This is illegal. I also recieved a application release form from  XXXX  so they should not be holding this file.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-06 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Federated Law Group
State: FL

Complaint narrative:
I am a XXXX and they are calling the XXXX saying that they need to speak to me about a debt that I owe. I have informed them to send anything that they believe that I owe on paper by mail. They have been told Do Not contact me at work or speak to my employer.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: KY

Complaint narrative:
XXXX XXXX XXXX I was informed by email that my bank had excessive ATM withdrawal and Check deposits. They needed to call me and talk. ( ( Mind you all this happened in a time frame that I was sleeping and not realizing what was going on. ) ) When I called I was asked about it all and of course I was shocked.
<P/>
Not only had someone gotten into my bank account, but they had also deposited a check and taken part of that.
I get the scams. I 've read up on them now, and I can see why USAA would accuse me.
But after years of being with them and never having this happen ... Its crazy.
I am living in XXXX and the situation happened in XXXX. It physically, within the time I was seen here and when it happened, could not happen.
I was in church Sunday from XXXX XXXX XXXX, and saw my XXXX XXXX at XXXX on Monday, and I was at work by XXXX XXXX Tuesday morning. By XXXX XXXX that Tuesday I was headed to the VA office.
<P/>
I most certainly can get written statements from everyone if they want that.
<P/>
I did n't do this. I would never drain my account and scam myself. I do n't even have anything to do with XXXX XXXX. I 'm not that XXXX, nor did I need money.
I have great credit and not only take that seriously but I have always had a clean account and good standing with USAA.
<P/>
At first they flat out asked me if I deposited a check for that amount.
I was so frustrated and humiliated by it I actually took offence to it.
They said Id be responsible for the Fraud check balance. ok ....?
I NEVER ERCIEVED A CHECK!! I never even had a check in my hands. Someone else did all this and I 'm getting blamed. Its one of those freak incidents and yeah I 'm just as baffled by it.
Again they did n't and do n't believe me or get it.
<P/>
Today is XXXX XXXX XXXX and I got an email, ( no call or anything personal to let you now they actually tried ), and I was being held responsible for every penny. XXXX dollars.
So everything they had credited to my account considering what happened, they say they 're taking back. Not only the scammed check, but every penny that was mine.
Everything to my name.
Someone scammed me, and the bank is telling me I did it. I 'm left penniless and I 'm scared.
So if it happens again, I 'll get blamed. Again.
Do you think I want to keep banking with them after this?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-06 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC
State: NM

Complaint narrative:
On   XXXX   XXXX   XXXX  , I received a letter from TransWorld Systems on behalf of   XXXX   XXXX   in   XXXX   XXXX  , Arizona seeking payment of {$7400.00}. Given I knew I owed   XXXX   XXXX  l {$74.00}, this was surprising.
<P/>
I called   XXXX   XXXX   and they confirmed my balance was only {$74.00}. I paid that {$74.00} owed to   XXXX   XXXX   and they confirmed the extremely excessive amount TransWorld Systems was an error. At that time,   XXXX   XXXX   said the account was n't in collection, but they only contracted TransWorld Systems to conduct a, " letter notice. '' They explained that TransWorld Systems would only be sending reminder letters to me about the debt. There would be no phone calls. There would be no report to Credit Bureaus. I was also told by   XXXX   XXXX   that they would notify TransWorld Systems that my balance was  XXXX .
<P/>
On  XX/XX/XXXX  at   XXXX   XXXX  ., MDT, I received a call from TransWorld Systems which was identified as, " an attempt to collect a debt. '' The debt in question was the aforementioned {$74.00}. I told the caller I had paid   XXXX   XXXX   and to not call me again.
<P/>
On XX/XX/XXXX , at   XXXX   XXXX  ., MDT, I received a second call from TransWorld Systems which was identified as, " an attempt to collect a debt. '' The debt in question was the aforementioned {$74.00}. I told the caller I had paid   XXXX   XXXX   and to not call me again. I pointed out that repeated calls about this, especially twice in a day, and especially twice in a little over an hour was harassment. I also told the caller than any further communications regarding this matter must be only in writing. My response to the harassment by TransWorld Systems and   XXXX   XXXX   was to file this complaint for : Attempts to collect a debt which was already paid, Repeated phone calls about the debt which was already paid, The refusal or failure of   XXXX   XXXX   to notify TransWorld Systems that the debt was paid, and, The misrepresentation by   XXXX   XXXX   that the involvement of TransWorld Systems was, " only a letter account, '' when clearly it was not.
<P/>
Attached please find the record of this payment provided by   XXXX   XXXX  . It is reported to be directly from   XXXX   XXXX   XXXX   ledger regarding my balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-06 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Incorrect information on your report — Account status incorrect
Company: Ocwen Financial Corporation
State: NC

Complaint narrative:
On   XXXX   XXXX   XXXX     I have the documentation from the title company stating the release of mortgage and the payoff amount of {$32000.00} to  Ocwen loan servicin g the title company was   XXXX   XXXX   XXXX    XXXX  New Hampshire since then every month  Ocwen loan s ervicing has reported a delinquent or non payment to my credit report even though they have been paid off in full and the house has been sold for a year in addition for a month afterwards they attempted to take money out of my bank account even though they had been paid in full and the house was sold

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 2017-06-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
The specific problem is that via Trans Union &   XXXX   XXXX   XXXX    3.0 scoring methodology, I saw my credit score drop from  XXXX  to   XXXX    in a very short period of 2 weeks, and when I called and spoke to a Trans Union rep, she explained the scores are tabulated via a computer program & nothing else could be done to address this. The problem I have is that this score drop (   XXXX   XXXX   XXXX   score  XXXX  ;   XXXX   XXXX   XXXX    XXXX  ;   XXXX   XXXX   XXXX   score  XXXX  ) is enormous and impacts my score dramatically because I do 'not ' have enough credit usage, but I am a very responsible individual and consumer and do n't need additional credit, yet my credit gets crushed so fast and very much to the downside because I do n't have enough credit cards? This type of new score for me not potentially ruins my ability to get a good home loan if I look into purchasing and financing a home, which is a big concern for me. Please either explain why the reporting agencies can drop the score of an excellent credit & paying consumer 'only ' because they did not have enough credit usage or help me ( and others like myself ) address this problem of scoring/reporting the credit agencies currently have so we are not so severely punished for having too little credit. This is truly disappointing for me. Sincerely,   XXXX   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