vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-09-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: NJ

Complaint narrative:
I contacted you prior regardinging this issue ( XXXX & XXXX ; XXXX ). The XX/XX/XXXX IRS form 1099C shows the amt of debt discharged as  {$170000.00} on XX/XX/XXXX with a fair market property value of {$70000.00}. Due to misapplication of payments for XX/XX/XXXX & XX/XX/XXXX to an account ( 2nd lien ) that was closed in XX/XX/XXXX, I was denied the 2nd ( {$110000.00} ) & 3rd (  {$58000.00} ) installments ( see page 7 of 8 of OLS Form ( rev.XX/XX/XXXX ). The effective date of the loan modification was XX/XX/XXXX which should be completed in 247 months if the contractual obligations are met. 
Today XX/XX/XXXX, I spoke with a male claiming to be XXXX, XXXX ID # XXXX @ XXXX regarding my payment reconciliation history. He claimed that it was ok for Ocwen to charge property inspections fees everytime the payments go over 30 days as well ad late fees. A check of the history shows charges going back to XX/XX/XXXX. Several Payments were placed into forbearance acct instead of applying to the mortgage from on XX/XX/XXXX-XX/XX/XXXX & XX/XX/XXXX while property inspections & Valuation expenses fees were charged on XX/XX/XXXX. No explanation for {$280.00} to Investor Suspense on XX/XX/XXXX. Could n't understand why charged property Inspections & Valuation Fees on XX/XX/XXXX ; XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, even though payments were on time since signing the agreement on XX/XX/XXXX. No explanation why {$770.00} was placed in suspense acct & not refunded. 
Recod shows that 1st Deferment was done on XX/XX/XXXX for {$58000.00} ( requesting IRS Form 1099C for XX/XX/XXXX ). Page 7 of 8 of the contract shows that the deferred principal balance would be {$170000.00} from XX/XX/XXXX-XX/XX/XXXX. The 2nd deferment the principal balance would be {$110000.00} from XX/XX/XXXX-XX/XX/XXXX. This was never done because of the misapplication of payments. XX/XX/XXXX statement dates shos the deferred balance. XX/XX/XXXX & XX/XX/XXXX shows the same since there was no adjustments. Two years later after contacting the CFPB, on XX/XX/XXXX, the 2nd deferred balance ( {$110000.00} ). This would correlate with page 7 of 8. But the 3rd deferred payments if {$58000.00} was never done.It should have been done from XX/XX/XXXX-XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or missing disclosures — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I opened a bank account with Wells Fargo in XXXX, took out a credit card but never paid back what I owed.Now on XXXX I decided to pay what I owed to try to reopen my account and could n't because I have a bad report now I need help to finding out what I need to clear everything to be able to reopen my account with Wells Fargo.

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 2017-09-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC
State: MI

Complaint narrative:
My loan was originated with XXXX. In XXXX or XXXX of XXXX, my loan was sold to Nationstar XXXX who recently changed their name to XXXX XXXX XXXX. Leading up to the transfer, both XXXX and Nationstar assured me that there would be no changes to my loan terms. 

To make a long story short, Nationstar increased my monthly payment without telling me. I never received a phone call, email or written correspondence as to why this occurred. Since my loan transfer, approx. 5 months now, I had been making the same monthly payment I was making to XXXX, but to Nationstar. Unbeknownst to me, since the payment went up, they were holding my payment in unapplied funds and not crediting my actual mortgage payment to the principal and interest. Again, I never heard from Nationstar about my " late '' mortgage payments. 

Upon discovering this, I was told that the payment went up because they did an escrow analysis and unlike most lenders, require a 2 month cushion. Again, that would be ok if this was told to me had I not discovered this on my own, many months later. I was told if I made a large payment straight to escrow, an escrow analysis could be run which would bring my monthly payment down. 

I have called trying to confirm the correct funds were applied to the escrow account, get an escrow analysis run and a new lower payment obtained. I am on the phone with Nationstar for propably the XXXX time in a few weeks trying to get this resolved. We 'll see what happens.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN

Complaint narrative:
Bank of America is inaccurately furnishing information regarding account ending in XXXX to XXXX XXXX XXXX, in violation of the reporting requirements of the FCRA 623, and for which, they are responsible. 

Ive disputed this negative listing on multiple occasions and requested evidentiary documentation that substantiates the information they have furnished and its reporting. Bank of America has either refused to provide any documentation or they are unable to provide documentation proving the claim or the accuracy of the item. The negative listing remains inaccurate and not verified.

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 2017-09-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: KS

Complaint narrative:
All three major credit bureaus ' have illegally hoarded, conveyed my personal information for profit for their business. These bureaus ' have portrayed to be a government entity but are mere business private corporations, like walmart and other businesses. Without this consumers expressed or written consent pursuant the 1974 Privacy Act, all 3 bureaus ' violated all privacy rights and allowed personal information to be leaked due to their false and misleading ways and practices. According to the Fair Debt Collections Practices Act, all bureaus ' maliciously and collectively shared this consumers personal information to make trillions of dollars by selling it ( information ) to various debt collectors, employers, financial institutions, and many others. Just to name a ew. The Federal Trade Commission is to demand on my ( the consumers ) behalf that all 3 credit bureaus ' remove all of this consumers social security number, date of birth, financial accounts, credit/debit card numbers/ address old and new/ health /medical history, and all sensitive information, collected on this consumer. all 3 bureaus ae now in question for reporting fraudulent information to disgrace the consumer, blocking the pursuit of happiness. Bill of right violation. Consumer wishes for damages of XXXX XXXX dollars ( preferably in Gold ) from each bureau for their treasonous deeds and all will be forgiven. Consumer would like to also thank the CFPB for protecting this consumers personal, family and household.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, Ohio XXXX I have never lived at this address. 

I would like for it to be removed from my credit bureau on Equifax and any other credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Jim Bottin Enterprises, Inc
State: TX

Complaint narrative:
I signed up XXXX 2017 with XXXX XXXX, XXXX XXXX, XXXX XXXX, tx for a monthly membership of {$8.00}. ABC Financial Inc is the monthly deducting company. 
XXXX XXXX XXXX, XXXX, AR XXXX Back in XX/XX/XXXX I informed them that I have been relocated overseas and I would like to cancel my membership. The clerk at the front desk said it will be cancelled. For two months ABC Financial Services was debiting my account for the fees. I called again and spoke with both the fitness club and ABC financial Services. ABC financial said they needed documentation to confirm my move. So I provided them with Government issued Visa and residency card as proof of the move.
Yesterday I received an email stating that it was not suffice and they needed a one way ticket.  I did n't keep the ticket. 

I have done what the ABC rep told me to do and ABC continues to charge me the monthly fee and late fee and service fee. Now totally {$39.00} a month. I have provided everything they need to cancel this membership and they a purposely delaying the cancellation to charge additional fee. 

I really feel upon my return they will damage my credit. 

Please help me resolve this matter. 

Thank you XXXX XXXX XXXX XXXX XXXXXXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: FL

Complaint narrative:
In XX/XX/XXXX, my ex-husband and I consolidated our student loans and I was designated the primary loan holder. In XX/XX/XXXX, I divorced my ex-husband and asked Nelnet, our student loan servicer to separate the loans. I was told that the loans were inseperable and that I was responsible for the the entire amount because the consolidation contract superceded any other legal documents. In XX/XX/XXXX, I applied for dismissal of my student loans based on my XXXX XXXX XXXX XXXX. I was told by the loan servicer at that time that the loans could not be separated, so I would have to file for the entire amount and then be responsible for the taxes on the loans forgiven to the IRS. I recieved a letter showing that the dismissal was granted in the entire amount, pending a three-year watch period. The the following month-XX/XX/XXXX, I started recieving bills for my ex-husband 's portions of the loans. Thus the nightmare began. I have recieved phone calls, letters, and have had my credit ruined by Nelnet because my ex-husband refuses to pay the loans. I have repeatedly asked over the phone what the monetary amount was forgiven, but at that point the caller usually stammers and tells me that they will find out and that I will recieve a letter in the mail -- none have arrived. I have also not recieved the official tax documents that I was told would be forthcoming. Nelnet has also reported an incorrect address to the big three credit report bureaus -- I live in Florida, the new address is for an appartment complex that I lived in from XX/XX/XXXX-XX/XX/XXXX, but the apartment number is incorrect. They have also asked my current husband over the phone to pay my ex-husband 's student loans. I am on Social Security XXXX and can not afford to pay these loans, but I am told that as a co-signed on my ex-husband 's student loans that I have no recourse. I am beyond exasperated with Nelnet.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-18 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
Back in 2008 I purchased a bedroom set with financing for 18 months {$2800.00} through Home Design/ Synchrony Bank . I agreed to automatic billing from my bank account and charged me 18 payments that stated that would pay off my purchase within 18 months. They continued to bill me without me being aware until my account bounced because of these charges. So for almost ten years they have been billing me and Im sure I paid more than double {$2800.00}. They claimed that all I paid was the interest on this account at a rate of 27.99 % which is ridiculously high and I still owe {$1000.00}. I tried to dispute these charges and they would not allow me to. I

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 2017-09-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
Equifax is reporting a debt that is not mine, I never lived in the state or the address that the account was opened. The debt is for {$400.00} and I have contacted both Equifax and the XXXX GROUP and has not received a response to my compliant.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-18 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
I phoned Capital One 360 today ( X/XX/2017 ) ( XXXX XXXX ) to open a 360 Money Market account because they are offering a rate of
1.20. for amounts over $ 10k. I completed the account opening and moved funds with no issues. However, when looking at the rate it stated .60 instead of the 1.20 and I deposited $ XXXX. This is the first issue. I phoned and the representative stated that it would most like be updated to reflect the rate of 1.20 at a la
ter date.
Me : Okay and can I check on my beneficiaries with this account?
Cap One : You can not have beneficiaries with a Cap One 360 account.
Me : Then can I add a joint owner?
Cap One : Not unless the joint owner is Cap One 360 account holder.
I have been in finance and banking for years and have never heard of this practice and it seems sneaky and illegal that I can have {$1000.00} 's of dollars in an account but can not name a beneficiary or even add a joint owner. I feel this needs to be addressed and the practice changed. I plan to move the money back to my Credit Union where I know my funds are protected and where I can have beneficiaries and/or joint owners.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-18 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: TX

Complaint narrative:
We are signed up for automatic recurring payments with Ocwen to have monthly payments drafted from our checking account on the XXXX of each month. For some reason, Ocwen has not drafted the XX/XX/XXXX payment as of XX/XX/XXXX. We had requested for Ocwen to stop drafting funds from our checking account if a valid transfer of assignment could not be provided. Ocwen has not been able to provide a transfer of assignment that was processed before closing date of the trust of XX/XX/XXXX. Only transfer of assignment that Ocwen has provided was 5 years after the closing date of the trust. We have not requested to be removed from the ACH program. I am concerned because of the issues I have raised against Ocwen and XXXX XXXX XXXX XXXX as trustee for Option One Mortgage XXXX XXXX XXXX, that Ocwen is trying to cause our account to be late ( and in default of the loan modification agreement ) by not applying the automatic payment on XX/XX/XXXX. I did not cancel this payment request.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-18 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: SLM CORPORATION
State: NJ

Complaint narrative:
I have been patiently dealing with aggressive business tactics from an unorganized company named Sallie Mae. I have been actively trying to find some type of resolve because sallie mae constantly calls my phone, as well as my co signer ' phones, so much so that it feels like harassment. I graduated a year ago in XX/XX/XXXX 2016 and when the time came for me to start paying my loans back I was being asked to pay over {$800.00} dollars a month which was completely impossible for me because I was fresh out of college working for $ 9-10 an hour at local retail businesses. I had to request forebarence until I could figure out a better repayment option. This became a trend because sallie mae refuses to lower my payments. I tell them I am not able to pay over {$800.00} a month and they ask for my co-signer. I told them multiple times my co-signer could only help a little bit and yet they still keep trying to force me to make these absurd payments. This has gone on for too long now and it seems like the situation is getting worse. Most recently, I tried to get an income driven repayment plan and somehow that made my monthly payment go up to over {$900.00} a month. I am living at home with family and I am not able to afford even half of this and I voice this concern quite frequently yet it goes ignored. I have had multiple issues with their employees over the phone. One example being when I requested another forbearance, the associate entered my card information incorrectly when taking the payment for {$150.00}. This caused an error in the process because their system and staff understood this mistake as me not having enough money in my account. This error also caused a negative action to my co-signer 's credit. It was discovered via recorded phone conversations that the mistake was actually made by the sallie mae employee. Sallie mae never contacted us and made us aware of what was going on. After a few days went by and I had not heard anything back I had to call sallie mae. When I called, I was infromed they concluded the mistake was made on their end. They were also supposed to be fixing my co-signer 's credit report and they did not inform us of any of that information either. We had to periodically call to receive updates. When it 's time to make a payment I receive at least 3-5 calls a day from sallie mae representatives, but when they make an error that negatively effects my loan status as well as my co-signer credit report we do n't hear from them for days? This is just one frustrating example out of the many ; all which can be proven via notes, and phone recordings in their system. I fear I may have to take legal action against sallie mae soon if the manner in which they do business does not change.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Signed up for TransUnion Credit monitoring service, TrueIdentity, in order to place a lock on my credit report and for 96hrs ( and counting ) I have been unable to place a lock. However, credit card solicitations, work like a charm even though I have opted out several times. The only reason I elected to lock rather than to freeze my account is that that service of freezing my report did not work either.

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 2017-09-18 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: MO

Complaint narrative:
My husband and I owe Navient/XXXX a total of {$100000.00} for our Private Loans. We also have Federal Loans so we are paying those as well. Over the last year, I have contacted Navient about lowering my monthly bills and they keep refusing to budge. 

We pay {$1300.00} every single month to JUST Navient ( I pay {$810.00} and he pays {$490.00} ). We just had our XXXX XXXX, own our own house, and are trying to pay off our debt but keep overdrafting our bank account due to these high interest loans and high payments. 

I have called periodically to try and lower our payments but they refuse and we are almost out of our allotted deferment time ( one year on each loan ). I put mine on hold for a few months since I was on unpaid XXXX leave and Navient would not consider that Financial Hardship. 

We are both XXXX and our income is only {$4900.00}. Is there any way you could help or send us some advice? {$1300.00} every month to just private loans is too much with a XXXX XXXX, mortgage, cars, and federal loans. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-18 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: Navient Solutions, LLC.
State: OR

Complaint narrative:
In XXXX XXXX, I graduated from school and initiated an income-driven repayment plan with XXXX XXXX, now Navient. I made IDR payments monthly and on time from XXXX XXXX through XXXX of XXXX. I XXXX XXXX I requested an internship/residency forbearance to start in XXXX of XXXX through XXXX of XXXX, when I graduated residency and resumed income-driven payments. My XXXX of XXXX loans were then transferred to XXXX in XXXX of XXXX due to my qualifying for the public service loan forgiveness program. 

Navient has inexplicably recorded that I was in forbearance from the start of my residency in XXXX XXXX, in spite of the fact that I was in an income-driven repayment plan from XXXX through XXXX and made all payments on time. I would not have requested a forbearance to cover a time period that I had already made payments. I have spent countless hours on the phone with Navient customer service who will, on the phone, state understanding of my dispute and that they will fix it, but then when I call back it turns out that the request has been 'denied ' by unknown individuals. I never receive any written notice of this denial, I am forced to call and wait on hold ( at times for up to XXXX hours! ) to speak to an individual. 

Because their records, provided to XXXX, incorrectly state that I was in forbearance form XXXX through XXXX, I have approximately XXXX years of payments that should have qualifying PSLF payments that are not being counted. 

They also have refused to provide me with any direct phone number to their department. Their automated phone number apparently rejects my phone calls and transfers me to an offshore federal loan servicing department that then has to transfer me back to XXXX of XXXX. The reason stated for this is that my loans are no longer 'active ' with them so I am not allowed to call their customer service line. Needless to say, this has wasted hours of my time trying to get the people on the line to deal with this issue.

Company response to consumer: Closed with explanation