vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-04-25 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: GA

Complaint narrative:
Due to loss of job and divorce I got behind on payments. I realized that I could n't catch up so I listed the house for sale with  XXXX   XXXX  as a short sale in  XXXX   2016 . They got an offer shortly thereafter which was over the listing price. They contacted the servicer and tried to initiate the short sale but have never received a call back for the loss mitigation department fro m Carrington Mortgage Service. They have tried to contact the executive office and no one will assist with pu tting them in contact with anyone in corporate. I filed bankruptcy once to stop the foreclosure but the realtor is still not able to get in touch with anyone from the lender.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Santander Consumer USA Holdings Inc.
State: SC

Complaint narrative:
contact  XXXX  letting them know this is not my account. Also contact ed Santander they   state they do not have me in their system. This is not my account at all.   XXXX   has my birth year incorrect along with address that I never lived at. This is not my account never had an autoloan until last year.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-25 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:
Hello, thank you for any help that yo u may be  able to provide. I have called in to  XXXX  and have asked that info be updated properly. I even spoke to a yound lady that sent me a letter stating that an account was indeed paid in full and I sent to  XXXX ,   XXXX   and Equifax and my reports have not been updated.   I called into   XXXX   and let them know that I was a victim of their inquiry issue and that there were items that were not correct on my report, I sent in proof and customer service would not help and take care of the negative inquiries reporting to my credit report.       Please help, I am not getting anywhere.     The inquiries are listed as :   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-25 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:
Hello, thank you for any help that you may be able to provide. I have called in to XXXX and have asked that info be updated properly. I even spoke to a yound lady that sent me a letter stating that an account was indeed paid in full and I sent to XXXX, experian and XXXX and my reports have not been updated. I called into XXXX and let them know that I was a victim of their inquiry issue and that there were items that were not correct on my report, I sent in proof and customer service would not help and take care of the negative inquiries reporting to my credit report. <P/><P/>Please help, I am not getting anywhere. <P/>The inquiries are listed as : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2017-04-25 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PARAMOUNT RESIDENTIAL MORTGAGE GROUP
State: WA

Complaint narrative:
During the month of   XXXX   XXXX     I was trying to purchase a home and had tons of paperwork. I do not think it is suitable to walk into an establishment to begin the mortgage signing process and the mortgage  officer want t o talk about my VA  XXXX , do n't I want to get better, and go into how he is a pastor and has a  26  week program to help me get better. ( He was referring to my   XXXX   XXXX   XXXX   XXXX  . ) He insisted on seeing exactly what the name of my actual  XXXX  were, for I had marked the name and only the name of the  XXXX  out for privacy. I did not mark out any numbers. Only the name. He told me he has sent many  Veterans throug h his church on th e 26 week program  and they never had problems again. He told me I have probably been burned by  XXXX  and that 's the reason I do n't go to c hurch. ( Not once  did I ever say I was burned or bring up religion with him. And why did he think I was  XXXX ? I am still offended by that and still think it was racially motivated. Why would he assume  XXXX ? ) He showed me a short film of the cult/organization he is associated with. Is this how he got other Vets to join his church? When they first come in to sign mortgage documents? This man also told me it : " was his mission as my pastor to help me find goals in life and to find my purpose. '' ( He is not my pastor and I never asked him to help me find goals or my purpose ) I had to ask several times for his supervisors name. When I got it, I sent both an email and called a couple of times and stated I wanted to talk to him about his employee. The supervisor and I left a couple of messages back and forth and I left the last message without the supervisor ever following up.   I will Never recommend this company for their mortgage needs.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
While checking my most recent Experian credit report, I noticed a credit inquiry that i did not authorize, made by the following company  XXXX  Date Filed   XXXX   Type All Banks - non specific Phone Number BYMAILONLY Address  XXXX   XXXX   XXXX   XXXX   XXXX  I did not authorize anyone employed by this company to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act  Section 1681b (     c ) and a serious breach of my privacy rights.   Please validate this information with this company and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that this fraudulent inquiry be immediately deleted from the credit file that you maintain under my Social Security number.

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 2017-04-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: AES/PHEAA
State: PA

Complaint narrative:
On my most recent credit report, dated  XXXX , AES has reported 30,60, and 120 day late payments for loan sequences   XXXX   XXXX   XXXX   XXXX   from  XXXX  and  XXXX  to all   XXXX   credit bureaus (E  XXXX   XXXX   XXXX   XXXX  ) as shown below:

 XXXX : Late 60 days 1 time (  XXXX   XXXX  )

 XXXX : Late 60 days 1 time (  XXXX   XXXX  )
                    Late 90+ days 1 time (  XXXX   XXXX  )
                    
 XXXX : Late 60 days 3 times () < No date listed
                Late 90+ days 6 times (  XXXX   XXXX  )

I have attached copies of the information I am using to complete this complaint. 

As far as my complaint goes, not only are these accounts being reported differently across all three credit bureaus, my main concern lies in the fact that AES changed its policy as far as "backdating" forbearances in  XXXX . What this change allowed was any approved forbearances to be backdated to cover and remove any late payments as well as remove those late payments from the consumers credit report. 

So, because AES decided to change its policy in  XXXX  and not   XXXX  or  XXXX  , my record is tarnished but yet consumers in my exact situation with forbearances approved after the new policy took effect in  XXXX  will have a clean record and it will look as if they were never late when in fact they were. I feel like this is unfair and I am seeking resolution with the CFPB.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-25 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: IL

Complaint narrative:
I currently submitted a complaint through the CFPB regarding  Navient  and how they are not willing to lower my monthly student loan payments. I was paying about $  XXXX  month and I only make $  XXXX . A couple of weeks ago, I was able to get them to drop {$90.00} off my monthly payment, but that was all they were willing to do. I submitted a complaint and their response was " you  may be eli gible for lower monthly payments ''. I spoke to them today and they told me I was not eligible for lower payments, but would transfer me to their collections department to figure something out. I was transferred, gave my social security #, and the lady transferred me back to another representative. Again, I was told that I am not eligible for lower payments. I explained that I am going through some financial hardship because I do not make enough money annually. I also explained that I had to purchase another vehicle, which I now have monthly payments ( the vehicle turned out to be  a Lemon and ne eds work done to it ). The representative told me she would transfer me back to the collections department to see if we can work something out. However, she asked me if my co-signer would make the payments. I told her that he was unable and I want to pay off the student loan debt. She then mentioned that I co uld apply for a forbearance for three of  my loans, which will drop the payments. Since my back is against the wall and they have not been willing to work with me about lowering my monthly payments, I agreed to the forbe arance and paid {$150.00}. The issue with this is now I will have more interest built up ( paid about {$6000.00} in interest last year even after making full payments every month ) just to be able to make ends meet for three months. I am not happy with this outcome because I would rather make lower payments opposed to having more interest built on. I am also not happy that I was transferred to three different people once I mentioned anything about lower payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-25 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: NJ

Complaint narrative:
in   XXXX   XXXX   i sent   XXXX   XXXX    XXXX  checks totaling {$19000.00} to pay off my high interest private loans. the account numbers for these loans was indicated on the checks.   XXXX   XXXX   applied these funds across all of my loans, including the low interest loans. As a result, i am still paying on the high interest loans at the present time,  XXXX  years later. This has cost me alot of money. When navient took over sallie mae, everything was restructured and account numbers were changed, making it difficult for me to understand what is going on.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC
State: VA

Complaint narrative:
I have a mortgage and escrow account with Nationstar Mortgage. This month they took an additional amount from my checking account. After the fact they sent me a letter saying my payment was changing due to changes in my Escrow impound account. I reviewed the escrow analysis and everything was incorrect. They had the amounts incorrect and they also had the dates payments were due as incorrect. I was able to fix the amounts but they still have incorrect dates as to when payments are due and this is causing a shortage in my account and they want additional money.     I have called them numerous times and sent them documentation as to the correct dates my payments are due. I even had a conference call with them and the  XXXX  (  XXXX   XXXX  ) tax office to confirm amounts and dates due.      My county  taxes are due on  XXXX  but they have the payment date as  XX/XX/XXXX    My property taxes are due   XXXX   and they have the payment date as  XX/XX/XXXX      This really impacts my cash flow as they want the money in the account by   XX/XX/XXXX / XX/XX/XXXX   when the bills are not due until   XX/XX/XXXX / XX/XX/XXXX .  Last year they had the correct dates.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: ME

Complaint narrative:
My Citibank credit card p ayment was due on  XXXX   XXXX ,   XXXX   which was a Sunday. My bank processed the electronic payment on Monday  XXXX   XXXX .  Citibank di d not process this payment until  XXXX   XXXX  and charged my account a late fee of {$35.00} and interest of {$39.00}.   I  called Citibank and re quested a refund of both the late fee and interest charges but they refused to refund the late fee or interest.     I have enclosed a copy of my bank statement and credit card statement.

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 2017-04-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
Chase credit cart does not allow the consumer to choose the monthly automatic payment amount. Chase only gives consumers two choices, to pay only the minimum amount or pay the full amount. Which effectively allows chase to charge the full monthly interest on the entire balance which is more than half than the minimum payment. Which means your balance never lowers or the debt never goes away.
Chase has a substitute pay plan called Blueprint payments, which gives you a option to choose a cate  gory of current monthly charges and pay for only those purchases in full. Which still leaves your prior balance interest at the same level and not lower that balance. Which also means the principal balance and interest never gets lowered. In addition to have to pay a larger lump sum the same month of your charges, which is a added burden on the consumer to manage the debt.     Every other banking institution gives the consumer the option to choose the monthly amount to set up automatically.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: AES/PHEAA
State: CA

Complaint narrative:
In early   XXXX   I signed an agreement  with AES for a Rehabilitation program in which the terms clearly state that upon completion of 9 months of repayments my loans will be eligible for rehabilitation. Right on the agreement it states that one of the benefits will be that AES negative reporting will be deleted from my credit report. Here we are 4 years later and they have n't held up their end of the agreement and continue to illegally breach the agreement reporting the negative marks for these loans which continues to ruin my financial well being. Attached are the original agreement, the confirmation letter that I successfully completed the rehabilitation, and a recent copy of my credit report showing the section of the illegal reporting of 6 student loans in the rehab program.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-25 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: HYUNDAI CAPITAL AMERICA
State: MI

Complaint narrative:
We had problems with the vehicle I leased from  Kia Finance  from the very beginning. There were check engine lights that would periodically come on. I took the vehicle to my Kia dealership   XXXX  Kia  in  XXXX , MI on  XXXX   XXXX , because I was concerned by these lights and I was told by them that they could not detect an issue. I suggested changing the oil and doing a more thorough inspection but they advised that it was not necessary. Eventually the vehicle died and I was told it was because the oil was never changed. I was disturbed by this because the vehicle had been to an authorized  Kia Service Center  multiple times and even when I suggested an oil change was told by these supposed expert professionals that they could not detect any issues and told an oil change was n't necessary, multiple times when the vehicle was brought in. We had the vehicle towed to the  XXXX   Kia  dealership and was informed that they would contact us to see what they could do. Months went by without us receiving any word from them, until I received a bill in the mail recently for {$9800.00}. This included {$8900.00} in unpaid lease payments, {$400.00} disposition fee, and {$530.00} in official fees and taxes. The bill also indicates that the {$9800.00} payment is due within 15 days of the notice. This is totally unreasonable. When I contacted  K  ia Finance  they advised that they could not even discuss payment arrangements until the account went to Collections. I do not think this is right that I am being asked to pay for a vehicle that was ruined though I did my due diligence and took it into a  Kia service shop multi ple times to voice my concerns with the warning lights that would come on from time to time and even recommended an oil change, which ultimately ended up being the reason why we were told that the engine died. It is also completely unfair that my credit will be ruined by this unjust bill of {$9800.00} that is due in a ridiculous amount of time, 15 days. I do n't think that anything should be owed on the vehicle and want this to be immediately removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Trident Asset Management, L.L.C.
State: FL

Complaint narrative:
XXXX   XXXX   XXXX   XXXX ,   XXXX    XXXX  charge off last bill was paid in fill then i notice this on my report  XXXX  never had this account its not me, i just opened a account with  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XX/XX/XXXX  XXXX   XXXX   XXXX   XXXX  these accounts has been paid and closed but it shows a few times on my report and this does not help with my score  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  paid and closed   XXXX   XXXX   XXXX    XXXX   XXXX   XXXX  paid and closed

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
Regarding previous complaint #   XXXX  . I received  General Revenue 's   correspondence and it was mailed to the wrong  apt number.  Please mail correspondence to   XXXX   XXXX  . Or better yet, please submit all correspondence through this web portal CFPB. Thus the fake correspondence is a print out of the alleged item that 's on the credit report. It is not an actual contract or agreement- anyone can draw up a fake bill. Per FCRA I am requesting the  Method of Verification.   Please produce the actual contract or agreement with my signature from the alleged creditor. In addition, I need the the person 's Name, Address, and  Telephone numb er who verified this alleged item.

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 2017-04-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CT

Complaint narrative:
During the period of my car note I needed a couple extensions. I tried very hard to keep up with everything because I live alone and support myself. I told that my loan with each extension would make my maturity date extended an extra month but what they did n't explain is how much interest they would charge me in a  one  time fee at the maturity date. I was making payments and after I checked the next day to make sure my payment was accepted, i had a random past due notice of {$2900.00} about a month ago and I called to ask about it and they explained it was for the Interest EACH DAY for each of the extensions i took during the period of the loan. I explained that I could n't possibly pay all that at once because yet again I am still a single person trying my best to pay all my bills and all they could tell me is that " well we were here when you needed the help, but that all has a cost involved '' I do n't believe it 's fair to charge this much knowing that the person asked for help for a reason in the first place. It was n't fully explained the actual cost that would be involved when taking an extension. I think they are taking advantage of people who are trying really hard to keep up with everything they need in life to survive and forcing them to pay a fee for being human. I would really like some help with this.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: CA

Complaint narrative:
My letter to the company. They are trying to get money from me which I dont owe and steal my Identity. It makes me nervous because its on the collection now.     Request Type  I h ave a dispute CONVERGENT  USA  - DEBT COLLECTOR Consumer ID  XXXX  Request Date   XXXX    XXXX  Details Hi, I received a collection notice from this company in the mail for the amount of {$25.00} for  XXXX  company.  First  of all I DO NOT have any   XXXX   account. I do n't even-know how   XXXX   XXXX   works. Second, this is only {$25.00}  I  dont have any reason why I will not pay this small amount. I would like to know what is this transaction, and please also advise where did I purchase this transaction?? I would like to file a police report on this if this is proven not my purchase. I am worried now that my Identity is know stolen. Please advise asap so that I investigate what happened in this amount. Thanks, Account Number  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