vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-04-13 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: IL

Complaint narrative:
I have made regular and consistent payments of {$170.00} each month to Navient to pay my federal student loans serviced by Navient. Navient stated that I failed to pay my federal loans for 7 of 12 months in XX/XX/XXXX and 4 of 12 months in XX/XX/XXXX. I provided documentation of the completed auto payments made from my checking account, electronically paid to Navient for federal loan payments for 12 of 12 months in XX/XX/XXXX and 12 of 12 months in XX/XX/XXXX. I have provided proof that I made payments properly and automatically each month.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-17 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I DID NOT AUTHORIZE THE INQUIRY FROM XXXX XXXX THAT IS NOW ON MY XXXX CREDIT REPORT. I APPLIED FOR AN AUTO LOAN FROM XXXX, AND THEY DID AN INQUIRY WHICH I AUTHORIZED. AT THAT TIME, THEY APPLIED FOR CREDIT IN MY NAME AT THE OTHER INSTITUTION. I DID NOT AUTHORIZE THEM TO DO THAT. SIMPLY PUT, THIS IS FRAUD. THE INQUIRY FROM XXXX IS VALID, BUT I WANT THE FRAUDULENT INQUIRY THAT WAS MADE IN MY NAME REMOVED, AND SANCTIONS AGAINST WHOEVER IS RESPONSIBLE FOR THIS ILLEGAL ACTIVITY. PLEASE RESPOND AS QUICKLY AS YOU ARE ABLE TO, SINCE MY ATTORNEY IS ALSO WAITING ON THE RESULTS OF YOUR INVESTIGATION.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Nelnet, Inc.
State: CA

Complaint narrative:
I am still currently in school and will not graduate until the XX/XX/XXXX. On XX/XX/XXXX, I submitted a {$1500.00} payment. The payment was not required. I am trying to be responsible and pay down my student loans before I graduate. Great thing, right? When I submitted the payment, I asked for it to be applied to my oldest loan that has the highest rate. The payment was instead applied to principal and interest. Thinking there was a misunderstanding, I 've asked three times now for Nelnet to correct the payment. I 'm not sure why an active student would want to pay principal and interest instead of paying down the principal - but hey! I 'm not a lender. Not only has Nelnet not corrected this matter, which only required simply following my wishes for the EXTRA, NON-REQUIRED payment I made, I now have received a response that they applied the payment to my newest loan. Coincidentally, that loan has a lower rate than the one I asked the payment to be applied to. They also backdated my XX/XX/XXXX payment to XX/XX/XXXX. Does that seem unusual to the CFPB to me? It sure seems deceptive and abusive to me. It seems as if the lender is going out of their way to ensure I DO NOT pay down debt at a higher rate. Considering how much time I 've spent trying to resolve this, including now writing to the CFPB, I 'm not sure I can even trust NelNet to handle my next payment correctly. Please investigate!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-15 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
LVNV Funding is attempting to collect on an account from XXXX and the amount is incorrect. This company is currently being reported for indulging in malpractice and manipulating delinquency dates. The company has violated the FDCPA or the Fair Debt Practices Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-14 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc.
State: OR

Complaint narrative:
This is my second consecutive complaint against Seterus Inc. 's refusal to correctly allocate special payments toward principal only. The by-now routine problem is this : In addition to paying our monthly mortgage ( principal and interest ) on time, we occasionally send checks with letters instructing Seterus to apply all of the enclosed check to principal only ( our instruction is always clear, emphasized, and repeated in our letter and on the check ) .They ALWAYS ( perhaps a dozen times ) misapply the check to both interest AND principal, resulting in about an hour on the phone trying to get them to correct the matter. Last time they refused, resulting in our first complaint to the CFPB. After that complaint Seterus immediately corrected the situation. ( Thank you, CFPB. ) But with our most recent check, Seterus has mis-allocated our payment again.

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 2017-04-13 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: ID

Complaint narrative:
Ocwen Financial Services LLC has refused to update my contact information in their system for the past five months. After having mailed in a request for address change as per their instructions three times in the past 180 days, my information has still not been updated in their system. 

Yesterday, XX/XX/2017. I called Ocwen and spoke to a supervisor who promised to send me an email at that moment to which I could respond with my written address change and that she would personally make sure it was taken care of that day. She never sent the email. 

I have wanted to pay off my mortgages with Ocwen financial for several months, but without the proper contact information, the release of lien for my loans would be sent to the wrong address. I believe that Ocwen is acting in bad faith. The negligence on their part has cost me thousands of dollars of additional interest payments. Just last month, I sent in a payment for over {$110000.00} to pay down the balance of one of my mortgages, hoping to at least minimize the additional interest charges I am incurring while trying to get this resolved. Instead of applying the balance to my principal, Ocwen placed it in a 'suspension ' account. This is reflected on the attached statement. Ocwen representatives called me several days after the payment was made to ask me 'what I wanted them to do with the payment ' even though their online payment form specifically listed it as additional principal reduction. 

I would like Ocwen to update my personal information immediately so that I may pay off my mortgages. I would also like to be reimbursed for all of the interest charges I have incurred for the past 180 days during which they have failed to act.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-14 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Sued where didn't live/sign for debt
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
I am a victim of predatory practices from LVNV LLC. The company sued me where I did not live and used lawyers to harass me. These lawyers have access to my personal credit report, my number, my residence and my employment. The company sued me and obtained a judgment against me. They obtained a wage garnishment and are garnishing {$1800.00}. They used XXXX lawyers and XXXX to represent them. I never lived in XXXX located in XXXX, CA, when they served for civil court. This was done about 4 years ago. In addition, recently I went to court on XX/XX/2017 to request claim of exemption. In court I informed civil judge XXXX about the wrongful of serving and that a wage garnishment will great a financial hardship. I have concerns about the way my rights were violated from XXXX, attorneys XXXX, XXXX and LVNV Funding LLC.The judge denied my request of exemption. These are the reasons and concerns about this matter ; my credit report currently does not show a collection reporting from that debt, 5 years ago my credit report did not show a collection reporting from that company, currently my fico score shows good standing, LVNC Funding LLC is a collection agency and a third party, different attorneys are representing this company, the attorneys have violated my rights, the judge violated my rights and I am a victim of discrimination. In court I did n't have a lawyer to represent me, and the judge allowed XXXX to humiliate me. XXXX stated, it was my fault and I asked for this, family comes second, my other financial obligations comes second and requested above the 25 % wage garnishment. In my opinion this is unlawful to harass me in such a way. Furthermore, I pleaded less than $ 80 monthly levied garnishment and that I could n't afford a wage garnishment above 25 %. Last, I felt violated at the end of the court hearing. A judge or lawyer should not be above the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-15 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: DE

Complaint narrative:
Enhanced Recovery Corporation has filed information on my credit report for a debt that I do not owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-12 00:00:00
Product: Prepaid card — Government benefit payment card
Issue: Managing, opening, or closing account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I am entitled to XXXX payments relating to Paid Family Leave for XXXX my daughter on XX/XX/2017. Those payments come via a Bank of America prepaid debit card. The original card was supposed to have been sent to my current address on XX/XX/2017 ; it never arrived. When I reached out to Bank of America, they informed me that the only free option was to issue me a new card, arriving approximately XX/XX/2017 -- about 1.5 months after my leave began. Alternatively, I could pay {$10.00} to receive the card sooner. They refused to pay for the quicker shipment, claiming that I must have thrown the card in the garbage ( which, of course, did not happen ). 

Bank of America essentially owes me these funds, I never received them in a timely manner, and they sought to either charge me extra or further delay the payment that they owe me. This seems wrong and abusive, and I have no recourse ( i.e. not using BofA ) because they are the exclusive provider to 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 monetary relief
Consumer complaint received 2017-04-15 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: HOVG, LLC
State: NV

Complaint narrative:
I have XXXX collection accounts on my credit report from this company and not only disputed with the credit bureaus but also with the collection agencies. I sent the letter to the address on my credit report. The letter was returned as deliverable. I then sent the letter to another address obtained from a letter sent to me after the credit bureau dispute was received by them ; it was a different address. I asked for the proof that I ever agreed to pay or owe the debt with my signature on it. The only communication I have ever received was that one letter. They refuse to remove, reply, validate or anything else. By not replying, they are agreeing that the debt is not valid and therefore, should be removed. Not only have I received no proof of this debt, but they have also failed to insert a notice of dispute to my credit file which is a violation of the FDCPA and I can take them to court over this along with reporting a debt and failing to verify. In addition to this, they continue to change the account status from open to closed and back again, multiple times per month.

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 2017-04-17 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
My issue is with Midland credit mgmt. They keep calling and calling from multiple 3rd party numbers directed through the US from an office in XXXX and I have not authorized anything from them and tell them to contact me after work hours from a US based office to review there claims of debt., they are pushy and dont want to take no for an answer even after stating that I am at work and can not talk. My wife had an issue with them as well and after she did pay them, they stated she never made final payment and kept charging late fees and refused to work with her.

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 2017-04-16 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: NATIONSTAR MORTGAGE LLC
State: CA

Complaint narrative:
WE have a loan with Champion Mortgage, XXXX Michigan. 
We paid during year XXXX, a total of XXXX, between interest and FHA insurance fees. 
They sent us a XXXX for a total of XXXX. 
I made several phone calls, sent a few emails, they wrote us a letter promising an answer by XXXX. Never received anything from them. 
I need the correct information to filed our taxes, I do not believe they know what happened.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-12 00:00:00
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: Army and Air Force Exchange Service
State: TX

Complaint narrative:
I opened a credit card with Army Air Force Exchange Services ( AAFES ) in XXXX. In XXXX I was separated from service with the XXXX XXXX with a debt I could not pay and I remained unemployed until XXXX. The debt was sold to XXXX XXXX XXXX in XXXX while simultaneously Treasury Offset was initiated by AAFES. Recently ( XXXX ) I received a letter from XXXX XXXX XXXX XXXX XXXX XXXX telling me that the balance that I owe was several thousand over the initial debt and that XXXX was attempting to garnish my wages. I contacted AAFES to provide me with the initial debt amount, I was told by a representative that they did not have that information. AAFES has collected my tax returns since XXXX leaving me with nothing and has allowed XXXX to charge interest on my debt while not providing any evidence to support the continued offset of my tax return. I have contacted XXXX for verification of debt with no response. I am currently seeking legal counsel for this blatant disregard of Federal law simply because AAFES is considered a Federal Agency. Please advise or take action on this matter, I am not the only one who has been placed in this situation.

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 2017-04-16 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
Had a second mortgage by me and my x wife in the divorce she got the house and agreed to pay the second mortgage she fell behind and I did not no until I checked my credit report I contacted the mortgage co. To see if I could get a bill or making adress so I can pay if she falls behind more they refused to give me any information I told them I have a different mailing adress and they still refuse to send any info but they are hitting my credit every time she falls behind I even offered to take over the account but they still refused

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-11 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I have several inquiries on my TransUnion report that I did not authorize. I have disputed these several times and called and asked for them to be removed and they wo n't remove them. This are damaging to my credit.

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 2017-04-15 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
I, XXXX XXXX, at XXXX XXXX, XXXX MD XXXX, and I am a Capital One customer who is UNEMPLOYED. I have received reports from my neighbors that some irate man has been coming to my house, bypassing the intercom, aggressively banging on my door, during times when I was out at an interview or a skills enhancement session, leaving a no information business card containing my name and a number to call, see attached, in the crack of door stating to be from the XXXX Court of Maryland. Feeling harassed and upset I called the XXXX Court of Maryland and was told that Capital One filed suite in XX/XX/XXXX against me for approximately {$1800.00}, XXXX, although I was laid off from my job in XX/XX/XXXX 

I am UNEMPLOYED. Why are they treating me, an unemployed female, so extremely unreasonably poorly? What does Capital One expect to achieve by handling my being unemployed this way?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-15 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: I.C. System, Inc.
State: TX

Complaint narrative:
I have been receiving collection notices from XXXX different XXXX collection companies, attempting to collect this amount, for at least a year to two years. 
The first company failed to validate the debt and ceased communication with me when it failed in its duty to validate. After there were no longer communications with this company, I received a second set of collection notices from a different debt collection company seeking the same amount of money. XXXX obviously sent the alleged debt off to a different debt collection company when the first was not successful. 
Again, I asked in writing for validation of the debt from this second company as required by law. The validation failed to identify the debt 's particulars in order for me to determine if it was a valid debt. After I pointed this out in writing to the debt collection company, it sent me a letter stating that the debt would not be collected upon and that my credit report would not reflect that the debt was under collection. I assumed XXXX would honor this resolution. 
Today, XXXX is trying to collect this alleged debt from yet again a third debt collection company -- even after a finding by its own debt collection agency that there is no valid debt and that the debt is off my credit report. 

XXXX continues to try to collect this debt despite my attempts to learn more about it ; contest it again ( at least six times already, including times with XXXX directly and despite a finding in my favor by its second collection agency ). I also contested this debt when it was directly an issue between me and XXXX. XXXX continues to hold this debt against me, continues to harass me with different debt collection agency notices, despite findings that it is not my debt from their own agents. Furthermore, XXXX continues to carry this debt in its accounts as delinquent. 

This third collection agency sent me a letter within days after I called XXXX to look into changing my service with it. XXXX said it could not change my service unless I paid this old, contested bill. That was when I found out it was still on my records with XXXX. It continues to share information wrongly with debt collection agency after debt collection agency. What is even more egregious is that XXXX used my communication with it for different service to reassert the alleged debt, and also to deny me a change in my service. Fortunately, I did not agree in writing to change my service with XXXX at that time because of XXXX anemic business practice history with me, both personally and through my business.

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 2017-04-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Settlement process and costs — 
Company: Cornerstone Home Lending Inc.
State: TX

Complaint narrative:
On XXXX we closed our home loan with Cornerstone mortgage. We paid our mortgage monthly with no issue. On XXXX we received an escrow statement stating our payments were going from XXXX monthly to {$3300.00} due to an mistake in not collecting the appropriate amount of escrow. This was absolutely an amount we could not afford. So when we received our XXXX statement, I began to pursue options with the mortgage company and completed the required application. I heard back in XXXX that the account was placed on a trial modification and the first payment would be due on XXXX. We completed all of the trial period payments. However, during the trial period received a notice that our loan had been sold to XXXX, and the servicing would remain with Cornerstone. In XXXX we also received confirmation that our modification had been approved, so we completed the paperwork, had it notarized, and returned it in the shipping envelope provided. I believe it was in XXXX we received a notice that the servicing of our loan was also transferred to XXXX. I was able to register on their website and have been logging on to the account at XXXX and speaking to their representatives ... according to them they have not received the final processed paperwork from Cornerstone. Something about Cornerstone would have sent it to XXXX for processing and XXXX would have returned it to Cornerstone, and then Cornerstone would have to send it to them. It is now XXXX. My loan was tanked by a Cornerstone Escrow error, and now it has been sold to a sub-prime lender who can not finalize my account because according to them they do n't have the appropriate paperwork from Cornerstone. I contacted cornerstone by email on XXXX and received a response to contact their modification department. I did so, and was told I needed to submit a request in writing to the research department. I told the young lady that it was a request in writing that directed me to contact the modification department. She then said she could escalate it to a supervisor but it would take 24-48 hours. I asked to speak to the supervisor she said sure, then transferred me to an extension that rang and disconnected the call. This whole situation has been not only unfair but at no time has Cornerstone admitted to making these mistakes that have essentially cost my credit score and financial stability. I would like this issue resolved.

Company response to consumer: Closed with explanation