vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-08-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONSTAR MORTGAGE LLC
State: CA

Complaint narrative:
My problems with my home began several years ago when my household income was reduced to just my salary. My Husband was diagnosed with XXXX and went on XXXX which caused me to fall behind several years ago. I was still gainfully employed and was awarded a modification in 2011 that helped me save my home then. I was grateful but my hardships persisted as my husbands health declined I found myself unemployed due to having to take so much time off of work. This unemployment persisted for the next several years, during this time I sought the help or KYHCA and loss mitigation from my new servicer Nationstar. I found another great job and my husband went into remission. This is also the time that his XXXX started to kick in so we were financially stable enough to now make a mortgage payment. This is when my problems started, I was now service released to Nationstar Mortgage and they just out right refused to work with me on retention options. I had no choice but to file a suit against them that eventually led to a settlement and the agreement that I would apply for another modification and if that was denied I would be able to short sale the property. I could not qualify for another modification because I previously had one-unfair decision but at this point I didnt have it in me to continue the fight.The current monthly payment was the lowest it could go was their reason for denial. With heavy hearts we made the decision to sell our home that now suffers from plenty of deferred maintenance. I accepted an offer that was sent to Nationstar to consider, as our mutual agreement was to allow me the opportunity to avoid foreclosure. This offer amount reflected the repairs needed for my home, but nationstar felt that it was insufficient. That buyer wanted to dispute the value but I advised my agent to just find another buyer that would pay more. We accepted a 2nd offer, I had no foreclosure sale notice filed and as soon as the offer was sent to Nationstar at the value they wanted from the last buyer, they out rightly refused to review the offer because I now had a scheduled sale date. It feels as though they set this sale date as a reason to cancel my file, out of spite-my new offer could of easily been reviewed and approved right away and much before the sale that was 29 days away. They already had the process started, had all their reports ready and in hand to make a decision from the first offer I submitted. Speaking with them is like asking to be mistreated-they are just un-kind and certainly not helpful with helping me avoid foreclosure or the fact that I am being railroaded. If I do not short sale I will have to wait at the very least 7 years before being able to possibly purchase again, it is a public record that will affect all of my future employment. Now I am just stuck and would like nothing more than to resolve this mortgage and not have a foreclosure on my record.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: STONELEIGH RECOVERY ASSOCIATES, LLC
State: NV

Complaint narrative:
XXXX-17 My debt {$1100.00} from XXXX XXXX, XXXX XXXX went to Stoneleigh recovery associate debt collection agency and they contact to my ex husband yesterday. ( we divorced 13 years ago ) So today I call this collection agency, this guy was telling me how much information of me they have and which payment I 'm making, where I 'm working..
This is scared me and its frightening.
I wan to know even collect agency can do something like this?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: NV

Complaint narrative:
XXXX XXXX XXXXXXXXXXXX {$630.00} being held illegally I am not sure of the date exactly but at some point early in XXXX 2017 PayPal put a limitation on my account. I was unable to remove my money from their website anymore. They have not given me any indication as to why they did this except to review the User Agreement. Well since then I allowed them to hold it for 3 months since that is plenty of time for any buyer complaints or refund requests. I called them to try to see if they would grant an early release and they refused to. I am now seeking assistance to have MY MONEY released to me considering that they are not a bank they are not allowed to hold money for this amount of time. There are no more disputes, refunds, complaints at this time and there is zero risk for them to release my money except their own financial gains. I will also be contacting Congressman XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX of the SEC, the Department of Justice, The Federal Trade Commission, and Filing a Complaint with the BBB. They have taken advantage of way to many people in this same matter day after day. They should be forced to change their policy to 90 days as that is well past the deadline for people to be able to return or request a refund anyway. They have been given to long of a leash and it should be reigned in. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-03 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
I received a private student loan from Chase in XX/XX/XXXX. In XX/XX/XXXX Chase stop servicing student loans and transferred my loan to XXXX. However, in XX/XX/XXXX I was also contacted by XXXX saying I owed them for a student loan that I opened with Chase. I only opened one loan with Chase but both XXXX and XXXX has my student loan with the same promissory note from Chase. I talked to Chase who informed me that my loan was transferred to XXXX whom I have been paying every month. However, XXXX XXXX has defaulted my student loan and garnished my wages for the loan serviced by XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
We have been with Comenity Bank Total Rewards Visa since XXXX 2017. In 30+ years of managing our credit cards, I have always paid off our balance every month and have always allowed ample time ( 8-10 days ) for mail to reach its destination and never had late payment issues. I recently noticed interest charge on the statements so I called to find out what happened. On X/X/17, I spoke with XXXX ID # XXXX. He explained to me that although I paid off the balance on the statement, Comenity Bank Card charges interest on the charges that incurred after the statement cycle. And in order to avoid the interest charges, we need pay off the entire balance on the account ( not on the monthly invoice they sent me ). I need to call them to get my most current balance and pay that balance in order to avoid interest charge. I have used credit card for 30+ years and this is the first time I encounter this type of credit card interest charge. I reviewed the back of the statement and under Paying Interest, it states We will not charge you interest on purchases if you pay your entire balance by the due date each month. So I called on X/X/17 again and spoke with a Resolution Specialist named XXXX ID # XXXX. He now told me that XXXX was incorrect. XXXX said the interest charge was incurred because my payment was late. I know this is an erroneous excuse because he needs to place the blame on me in order to justify the charges. I then question him why the stories are different between him and XXXX. He would not reply. Comenity Bank is deceivingly charging fees to consumers who pay balance in full by making up erroneous rules and accusing customers of being late on payments. Posting payment is controlled by Comenity Bank Credit Card Accounts Receivable Department. 8-10 days of mail delivery is more than sufficient for any honest business operation/practice. I do not believe 20 days of mailing time would make a difference. This seems to be a tactic for Comenity Bank to make additional revenue. And it is the only way they are able to extract money out of good customers who pays in full and on time. Comenity Bank is operating an unethical practice and fraudulently charging consumers with erroneous fees. 95 % of the BBB reviews are negative against Comenity Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC.
State: IL

Complaint narrative:
I agreed to a XXXX XXXX Payment Schedule dated XXXX XXXX, 2002 showing an interest rate of 3.46 % with a principal balance of {$41000.00}. A few years later XXXX XXXX started repeatedly contacting me via letters and phone calls claiming that I needed to consolidate my loans in order to " lock in '' my low interest rate. I was told if I did n't consolidate then my interest rate would increase. I agreed to consolidate on the terms that my interest rate would DECREASE to 2.875 % per their letter. I never received any paperwork from this consolidation. Nothing to sign or read. I have since learned that XXXX XXXX INCREASED my interest rate from 3.56 % to 5.375 %. I NEVER AGREED TO THIS! My loan terms were fraudulently changed. XXXX XXXX deceptively changed my interest rate at the time of consolidation. Their own letter says my rates will decrease, not increase. I contacted them via telephone and writing but they merely state the interest rates are set by the government and I agreed to this change at the time of consolidation. They told me to call XXXX if I suspected fraud was involved. I contacted that number to file a fraud claim but they said I ca n't and there is no way to file a fraud claim. Their own letter said that was the fraud department. Where and how do I file a fraud claim against XXXX XXXX?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-03 00:00:00
Product: Debt collection — Auto debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: CREDIT CONCEPTS, INC.
State: OR

Complaint narrative:
I had a car loan for a vehicle with Credit Concepts originated on XXXX for the amount of {$7600.00} In or around XX/XX/XXXX I asked them to come get the vehicle as I could not afford it voluntary repo, the company does not have record of Repossession date. according to the company the vehicle sold to another party for the amount of {$3700.00} and left me a balance of {$3500.00} still owing, the company never sent me any correspondence regarding balance owed however claim they did. I received a writ of garnishment, dated XX/XX/XXXX that stated I was to return the property of the lender which had already been returned, I never received notice of court hearing that i had the right to attend. i have contacted the company on several occasions to inquire about amount owed after the sale and asked for documents to be sent to me, never received any documentation. Today XX/XX/XXXX my employer was notified to garnish my wages for {$8400.00}. When I called the Company regarding why I was never notified of a court hearing I was told that it was served to a person renting a room in my home and that person signed for it, this is giving information about a debt to someone that is not me and has no connection to me, not even my spouse or personal relation to me. this notice of court hearing I never received. on my Credit report it states my balance is {$5100.00}. last payment XX/XX/XXXXcharge off date XX/XX/XXXX, and last on time payment reported on XX/XX/XXXX. Now I am being Garnished for {$8400.00} effective XX/XX/XXXX both of these amounts are higher than the balance I owed when the vehicle was sold and the company says it has continued to collect interest, however the company has made no attempts to contact me regarding this debt. and on the front of the writ of garnishment it states for that the final four of my social security number is to be printed and yet my entire social security number is printed there. When the vehicle was repossessed I contacted the company to inquire and was given no information as to how much was owed. I even recently disputed this company on my credit report because they were reporting the same debt 3 times on one bureau and one them was removed and even to this day are reporting two separate times for the same debt one says started XX/XX/XXXX closed paid in full the other says started XX/XX/XXXX closed charged off. So not only did this company fail to provide me with what I owed after the repossession sale, they also disclosed information of my debt to a third party, i was never notified of a court hearing against me so was never given an option to dispute this in court. They had a court hearing in a county that is 3 hours away from where I live, and now they are charging me well over double what my debt was after the vehicle was repossessed and sold.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Involving docket # XXXX reported with all 3 bureaus : Under the new law effective XXXX XXXX, 2017 any  public record data must include name and address as well as SSN and/or DOB in order for it to appear on your credit file. The credit bureaus have not updated or removed the info, even after i verified the courts do not report information to credit bureaus. Per the new law the bankruptcy listed does not include this information and should be deleted from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-03 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Assured Financial Partners
State: IL

Complaint narrative:
this number repeatedly calls my place of employment and threatens me that they are going to serve me papers at my work if I do n't call them, that does n't make any sense to me, since I do n't know what it is about and people do n't call you to warn you that they are going to serve you papers, they just do it ... ... ... ..so this is really bothering me. he is very rude and says his name is   XXXX   XXXX   or something like that and gives a phony court case, which is n't true, not sure what this is all about.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I contacted BoA/XXXX in XXXX, 2017 to resolve an ongoing credit card dispute with XXXX XXXX in the amount of {$490.00}. ( services not provided ) XXXX XXXX continually over charged me for services they double charded me for. After several months with no satisfaction, BoA/XXXX contacted me by phone today and informed me that BoA could not help me and would not refund the charges. I informed BoA I would contact the CFPB and the Atty Gen. office to help resolve this dispute.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I 've been disputing   XXXX   XXXX   XXXX   XXXX   since   XXXX   2015 informing them that this is not my account. I 've disputed with all   XXXX   credit bureaus and every time   XXXX   XXXX   XXXX   XXXX    confirms that this account belongs to me. I 've asked  XXXX ,  XXXX , and Transunion for method of verification but never received one. I then disputed it directly with   XXXX   XXXX   XXXX   XXXX   and they still said it was mine. After many letters being sent, they sent me a letter informing me that they have NO RECORD of this account in their system and asked me for more information. Yet they 've confirmed this account belongs to me with the  XXXX  bureaus but they sent me a letter stating they have no record of this account belonging to me. This is damaging my credit and doing me harm. I ca n't purchase a home or get a decent interest rate on my auto loan because this fraudulent account is on my credit reports.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-03 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: NC

Complaint narrative:
I 've been disputing XXXX XXXX XXXX XXXX since XXXX 2015 informing them that this is not my account. I 've disputed with all three credit bureaus and every time XXXX XXXX XXXX XXXX confirms that this account belongs to me. I 've asked Equifax, XXXX, and XXXX for method of verification but never received one. I then disputed it directly with XXXX XXXX XXXX XXXX and they still said it was mine. After many letters being sent, they sent me a letter informing me that they have NO RECORD of this account in their system and asked me for more information. Yet they 've confirmed this account belongs to me with the three bureaus but they sent me a letter stating they have no record of this account belonging to me. This is damaging my credit and doing me harm. I ca n't purchase a home or get a decent interest rate on my auto loan because this fraudulent account is on my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-03 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company
State: FL

Complaint narrative:
My name is XXXX XXXX XXXX. I became XXXX XXXX in XXXX 2015. I am a XXXX and could no longer work on my feet. I took a XXXX job from home and a {$100000.00} cut in pay. I notified Freedom Mortgage and asked them if I could to a deed in lieu of foreclosure. They did not even suggest any way to help me. They just kept asking for paperwork to prove I was not making the income as before. They told me there was a lien on the property, we called about it and could not locate one.  Based on the untruth that there was a lien, they denied the deed in lieu of foreclosure. They went ahead and foreclosed. The thing is, that property sat there vacant for over a YEAR. By the time the auction went through, the house was worth MORE than they sold it for! They are not there to help the veterans at all. If they would have worked with me, I could have sold that house for MORE than what was due. Now, they are sending ME bills, with added late fees every month, for attorney fees ( which they could have avoided ). I am requesting this be made right by taking the foreclosure off my credit report. Once all the information comes to light, you will see that this request is fair and reasonable. Thank you in advance for your assistance in this matter. Sincerely, XXXX 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
Consumer complaint received 2017-08-03 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Lexington Consumer Advocacy, LLC
State: TN

Complaint narrative:
I called   XXXX   XXXX   XXXX   (   XXXX   ) back in  XXXX  2016 because I needed some money get my car fixed. I received the money and was paying the loan off but another problem can up and I did it again.
Every time I would get the loan paid off something else would go wrong. The problem is the interest rate seem to go up. After months of this I called to see why the interet was going up. I was told that is the the new rate.
I was listening the radio and hear about this company Lexington Consumer Advocacy that could help me with this problem. They would contact them and get them to stop the over charges.
They told me that they where the company to get them off my back. The person I spoke to was  XXXX  at (  XXXX  ext   XXXX   ext  XXXX  ). he sent me the paper work at I needed to sign to get things started ( all paper work included ). I was told that they some legal people on staff to help if I needed help. I would also receive information sent to me to keep me informed on how things where going. after four ( 4 ) months had gone by and I still had not got any paper work. I paid them {$140.00} on the first payment and for the next ( 6 ) moths the payments would be {$120.00}.
I have also filed a complaint with a company called consumer action two weeks ago have not heard from them either. (   XXXX   XXXX   XXXX   XXXX   XXXX     XXXX   XXXX   CA  XXXX   XXXX  I still have not gotten any response from them. They call if they do n't get there payment on time. I am sending all the information on both companies. There are several pages.
  XXXX   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 monetary relief