vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-04-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: FL

Complaint narrative:
My mortgage was transferred to Carrington Mortgage Servicers, LLC from XXXX XXXX XXXX. My mortgage had a final foreclosure judgement already and I had been trying to obtain an affordable FHA modification through XXXX XXXX XXXX. When Carrington Mortgage Servicers, LLC took over, I had to start the modification process all over again. I sent in all requested documentation the required. I am the only one on the mortgage note with my wife, XXXX XXXX being on the title. Carrington Mortgage Servicers, LLC refused to even process my FHA -HAMP modification paperwork until my wife sent in all of her information. They are trying to force my wife to be a co-borrower for any future modifications that might, not guaranteed, be granted. My wife has no income unless you count Food Stamps of {$130.00} a month. She is unable to work due to medical conditions. There is no reason why she needs to be on the mortgage when she wasn't on it in the first place. Also, the are stating that her food stamp is actually {$160.00} a month before taxes are removed. From what I can see, Food Stamps are not taxable and this is not a legitimate claim from Carrington Mortgage Servicers, LLC.

On current statements from Carrington Mortgage Servicers, LLC, there are " misc. '' charges under the escrow account as well as multiple property inspection charges, title fees, Automated Valuation Model Fee, Foreclosure Appraisal fee, and a fee for " single item ''. According to HAMP rules and regulations, they are not permitted to continually charge my mortgage account for illegitimate fees or " Bogus '' fees.

My wife is being bullied into signing a modification with Carrington Mortgage Servicers, LLC when she is not part of the original mortgage note and no income that would make her beneficial to a modification of the original mortgage note. My wife and I feel bullied, pushed, and forced into the modification Trial Payments that they know do not follow the HAMP Regulations.

I also believe that another reason that Carrington Mortgage Servicers LLC is requiring my wife as a Co-Borrower is so that they will have the right to damage her credit as much as they have mine. As well as, have another person to hold liable for the mortgage note.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: PHH Mortgage Services Corporation
State: CA

Complaint narrative:
My mortgage was sold by PHH ( XXXX XXXX ) to XXXX in XX/XX/XXXX. Then in XX/XX/XXXX PHH filed a {$51000.00} promissory note against my house supposedly for a loan modification, which was never filed. They told XXXX  I was behind 10 payments. I have proven there were only three payment behind when XXXX  took over my mortgage. The Promissory Note is taken care of by HUD and I contacted HUD and they also reached out to PHH, who never responded. I am trying to sell my house and can not do that until this promissory note is removed from my mortgage for a company that no longer holds my mortgage. I am going on 6 months of not being able to sell my house, afford my mortgage, have my payments to my new loan company posted ( reaping the benefit of interest write off on my taxes ), and processing a pending divorce.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-17 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: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
XXXX XXXX IS REPORTING A ACCOUNT ( XXXX ACCT # XXXX ) TO XXXX THAT IS STILL SHOWING DERROGETORY INFORMATION THAT SHOULD BE DELETED FROM MY XXXX  CREDIT REPORT.

THEY SOLD THE ACCOUNT TO XXXX XXXX BUT NEVER DELETED THE ACCOUNT WHEN THEY SOLD THE ACCOUNT. THIS ACCOUNT WAS SOLD TO XXXX XXXX  ON XX/XX/XXXX. SEE EXHIBIT ( A ) ATTACHED.

ON XX/XX/XXXX AND XX/XX/XXXX XXXX XXXX SENT DELETION NOTICES TO ALL CREDIT REPORTING AGENCYS TO DELETE THE ABOVE ACCOUNT, ATTACHED IS EXHIBIT B & C TO SEE THE LETTERS OF DELETION TO ALL CREDIT BUREAUS.

I CONTACTED XXXX, AND THEY STATE THAT ITS UP TO XXXX XXXX TO REQUEST THE DELETION OF THE XXXX   ACCOUNT # 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 2018-04-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I have 2 open paid perfect XXXX XXXX auto leases. XXXX XXXX has not reported my payment history on the accounts since XX/XX/2017. They inform me they stopped because they went to a new record keeping system and because of technical problems they quit reporting to the credit bureaus. My score went from XXXX to XXXX as a result. I'm in the process of trying to secure a mortgage. Obviously my interest rate is being negatively affected. Transunion says their system records the lack of repOrting as a serious delinquency. XXXX XXXX was absolutely no help and Transunion wasn't much help either. I don't understand how XXXX XXXX can do this. I have talked to several other people who are experiencing the same treatment as I am. Any help wI 'll be deeply appreciated.

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 2018-04-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: WI

Complaint narrative:
I have my student loans set up through Navient. I was placed on forbearance during residency. I was told that I would have a 6 month grace period after graduating residency before I would have to enroll in payment ( I do not recall this person 's name as it was many correspondances ago ). I then found out that this was not true. Then while setting up income based repayment I was told numerous different amounts that I would be responsible for. Since XX/XX/XXXX I have been trying to pay my monthly payment with autopay. However, every month so far there has been an issue ; meaning every month I am given an alert saying I have a past due balance and that I should/can enroll/need to enroll in auto pay. Every month I call and someone attempts to fix it, points out that past person 's mistake and tells me it's taken care of. There is no accountability or penalty for Navient and their poor handling of my loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
My credit card account was closed and when I called to speak to capital one to ask why they said it was for too many return payments, I explained to them that the last 5 month my account has been active and up to date sometimes even paying off the balance in full also at the time of the return payments my account was already up to date with monthly payments I was just attempting to make a extra payment I also explained that I made the payment but never made it to my bank to put the cash in because I had to go to work so I just simply cancelled it and attempted the next day. Didnt think my account would be closed for this especially when I have been on time and accurate with all payments prior. So I was told an account cant be reopened and I should apply for a new account, so they run my credit again I got approved for a new card account and then after receiving it in the mail a day later that account was closed they said in association to the other account when I was just following there advice. So now after filing bankruptcy last year and starting to reestablish my credit I now have a closed account with a balance now and a brand new account that was closed right away. I believe I was treated unfair.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AR

Complaint narrative:
I want to link my credit card to my bank account, for reward purposes and capital one prompts that I can not use this with an outside application.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-17 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CITYWORTH MORTGAGE LLC
State: FL

Complaint narrative:
this lender has been deceitful, they have been negligent, and have been very under handed and have lied several times to me. they do not answer phone calls and they do not answer questions they talk around you and never actually answer a question they do not know what they are doing and try to lay the blame on anyone else that they can. they keep asking for more and more for you to put out then they tell you that the closing costs are rolled into the loan but when it comes time to close they ask you for more money. .they blame the realty agents and never take responsibility for their wrong doing. Do Not use this company as one person said RUN RUN fast from this company and I believe that a troop of monkeys could do a better job. They don't close on time they lie and tell you that you can close in 15 days and now it has been almost 3 months and I am no closer to closing than I was 3 months ago .they are responsible for malfencence, complete in-competency and don't believe a word anyone there tells you. because trust me it will be a lie. I hope this keeps some people away from this company and saves them the heartbreak stress and the horrible miss handling that I have been put through CITYWORTH mortgage company in XXXX Virginia is a horrible company do not use them for even a loan to refi or anything you will be sorry

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-17 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
I have been receiving REPEATED calls from different numbers from the same company, each time I blocked the number, they would call from a different number for roughly the last 10 days now 3 or 4 calls a day, no messages were left until last night @ XXXX. I received a lengthy message for someone that does not reside at my house. 
The lady on the message stated that if the customer ( by name ) did not return her call by XXXX this day she would assume that they were ignoring their repeated attempts to contact them and would seek the 'NEXT STEPS '. I still have the message saved in my voice mail.

I called the number XXXX XXXX left in the message and explained that I did not appreciate the repeated calls to my number with NO MESSAGES left, That her message was the one and only I had received and the person she was looking for does not even live at this address and her message was in Violation of the Fair Debt Collection Practices and XXXX  Privacy Notice. She said she was sorry but this was the number provided, I stated maybe she should have verified the number or verified who she was speaking with before she left all the information on my VM. 
That if anyone had left a message prior to her, I would have called sooner and let them know that who they were looking did not live here. I told her to remove my number from her records, that I do not have any business or accounts with them and I would be filing a complaint with FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-17 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Firstsource Business Process Services, LLC
State: GA

Complaint narrative:
I received a bill from XXXX XXXX XXXX. I contacted them to let them know I don't owe. This account for {$1200.00} is for a balance from XXXX Hospital. The problem is that XXXX does not apply the financial discount to the balance or basically adjusting the balance minus your copay {$20.00}. I contacted XXXX on XX/XX/XXXX and spoke with representative XXXX who advised me that her supervisor would be sending the information to the collection agency to adjust the balance to {$20.00}. I advised her that the account should not have gone to collections and if so it should have been sent over for the balance of {$20.00} that is owed and not {$1200.00}. She then advised that because I did not pay the copay at the time of service that is why the bill was sent to collections. I have previously disputed this bill with the collection agency. They know I don't owe this and reported it to my credit again on XX/XX/XXXX. I am requesting that this account is removed from my credit bureau as it should not have been reported to them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
Navient received my signed physcians statement of XXXX XXXX for the XXXX discharge application in XX/XX/XXXX, by certified mail return receipt.

They received my signed statement in XX/XX/XXXX by certified mail return receipt that I had no income.

Navient still has my credit report showing I owe them large amount of money. Not recognizing or recording XXXX discharge.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-04-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: NE

Complaint narrative:
I have been on a income-driven payment plan for at least 2 years. My plan came up for renewal in XX/XX/XXXX ( current plan expired XX/XX/XXXX ), I promptly renewed, received a letter telling me they got my renewal application and then a few days later ( XX/XX/XXXX ) got another letter telling me my renewal was accepted and there was nothing else I need to do. Then today ( XX/XX/XXXX ) I received a letter telling me I failed to renew my income-drive repayment plan and my payment was doubling. So far no response from Navient on why they doubled my payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: UT

Complaint narrative:
Experian is showing an Inquiry around XX/XX/2018 for XXXX XXXX. I did not authorize this and I have attached the proof that I did not authorize an inquiry and they advised me there would be NO inquiry. It is affecting my financing and I need it removed asap! Thank you

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 2018-04-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BBVA FINANCIAL CORPORATION
State: GA

Complaint narrative:
I check my account anytime that I make a purchase to make sure that the funds are available and that I don't have an overdraft fee. This morning when I checked my account, there were 4 overdraft charges on my account. I checked 3 out of the 4 and there were funds available when the transactions were made and posted. I then called the bank which they have longer than usual hold times of up to an hour when usually I can reach someone immediately. I waited for a callback and spoke to someone named XXXX with an operator ID of XXXX. He then said that all charges were valid even though I advised that my app and my online account were showing that the funds were available for each transaction. He then proceeded to ignore the questions that I was asking him saying that he was trying to explain each transaction. I listened to one transaction and told him that didn't match up to what I saw online and through my app on my phone. He then said that all charges were valid. I requested a supervisor numerous times becoming more and more irate as the time went on because he refused to put me on hold though I told him that I didn't mind being put on hold. He came back not even 30 seconds later and said that no supervisor was available. So then I told him that I would hold and it didn't matter how long but that I would simply hold and that I also wanted to close my account due to his horrible customer service. He then refused to put me on hold for a supervisor and disconnected the call. I have downloaded my statement as of today XX/XX/18 at XXXX XXXX and my account was only overdrawn once and to that, I am also questioning because of the other erroneous charges on my account. I'm including the charges and also a highlight of when the charges actually came out of my account and the amount left when the charges had come out. I offered to send the same information that I was reviewing with the representative but he refused to accept my documentation. If my account didn't have the funds in there when the purchases were made it would show and if it were negative it would also show. This statement shows that the funds were there, however, the representative was saying that there weren't funds available. Either their online and app is behind and slow or they have inaccurate information in their system. Either way, it isn't the consumer 's issue or fault if they have something completely different in their system than what our online account and apps show. We rely on the information that is provided through their website and their applications so it should be accurate and up to date. We shouldn't see one thing online and be told something completely different when we call.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-17 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
Navient never respected our original contract which clearly states in school deferment for as long as in school. They demanded payment while I was still finishing my XXXX degree despite never having a lapse in full or half time enrollment. Further they claimed I used my grace period while I was still in school. This action caused me to have to reduce my school work in order to make the $ 500+ a month they we demanding. They continued to request money despite my disagreement. I have struggled to pay them much due to the set back they caused. They have now put me in default despite that I paid them less then two months ago, and Im pretty sure thats not legal either. I have asked them to stop contacting me and they dont, despite being a NY citizen where the law clearly states that they need to stop for at least two weeks when requested ( they call me every day ). They contact my family and provide them with orivate information to harass me, ( even my stepmothers cell phone which Im not sure how they got sonce my father married her after I got this loan ). I have no money and Im struggling to get by but they clealry dont have any options beyond paying the full amount at this point of {$71000.00} for what was a {$26000.00} loan. How are they allowed to treat people this way? I only got this loan because I was injured, putting my self through college, not even taking out loans, XXXX XXXX XXXX in cold MN 48 hours a week while putting my self through school and finishing my XXXX in 3 years. They were the only ones to lend to me after my injury because I had no credit and my parents didnt come from wealth. Why are they allowed to do this to people? Why arent we just paying for XXXX college anyway. This whole thing is stupid and I doubt anyone will help me. I wanted to apply to schools to get a XXXX because my two XXXX degrees are clearly not enough to find employment, but now my loan is in default so I wont qualify for a Grad Plus to pay for that. Why are things the way they are? Why is Navient allowed to do business?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX received my signed physcians statement of permanent XXXX for the XXXX discharge application in XX/XX/XXXX, by certified mail return receipt. 

They received my signed statement in XX/XX/XXXX by certified mail return receipt that I had no income. 

XXXX still has my credit report showing I owe them large amount of money. Not recognizing or recording XXXX discharge.

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 2018-04-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: ASSOCIATED BANC-CORP
State: MN

Complaint narrative:
On XX/XX/XXXX I had an appraisal done on my home as I want to get out of paying my monthly PMI on my mortgage. I know recent comps in my neighborhood have sold well above $ 400K so I feel it was a good time to have this appraisal done because I feel I have the required 20 % equity to remove monthly PMI. I found out on XX/XX/XXXX that my home ( which has more sq. footage, just as many bedrooms & bathrooms, and sits on more land ) came back $ XXXX less than a house that just sold a couple months ago that is in the same Cul de Sac.

I feel the bank ( XXXX XXXX ), insurance company and appraisal company ( XXXX XXXX XXXX XXXX ) are working together to devalue my house to ensure that I have to continue to pay monthly PMI.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Chase sent me mails dated XX/XX/2018 stating that they cancelled all my credit cards as they see too many requests for credit. There are 7 credit card accounts in total they closed and 6 of them have annual fee. As Chase cancelled these cards on their own, not on my request, i requested them to refund the annual fee charged since i haven't utilized all the benefits of the credit cards for the full year. However, Chase refused to refund the fee and was not able to provide their terms and conditions that would allow them to keep the annual fees in case of account cancellations by Chase. I request you to refund the annual fee on my 6 credit cards.

Company response to consumer: Closed with explanation