vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-04-19 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC
State: WA

Complaint narrative:
A qualified written request was submitted to the lender on  XXXX / XXXX /  XXXX   with no response and no postponement of the sale date to allow time for there research to provide the requested loan information and history to assist the client in keeping there home

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-20 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC
State: IL

Complaint narrative:
at this writing please be advised that I am a victim of predtorary lending and senior citizen explortation loan.   nationstar mortgage has not response to my qwr request law office of   XXXX   XXXX   XXXX   XXXX   XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    XXXX   XXXX  , il  XXXX  cae #  XXXX  is theating foreclosure

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-17 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
Syncrony Bank- Walmart Cre dit card charges daily interest not annual. I have had my account closed since  XXXX , My balance at that time was just under  XXXX  dollars of  XXXX   XXXX  dollar limit. It is now over  XXXX  dollars. They are charging late charges, yet my due cycle was changed to the  XXXX  of the month as soon as I opened the account because I am on  XXXX  and only get paid the  XXXX  - the  XXXX  depending on date  XXXX  falls on.   On my credit report it says never late, this month they claim I owe  XXXX  for a payment, The site for their credit report says annual percentage rate. The representative I talked to last month said it is daily on purchases, yet card was closed at my request.    XXXX  is no better, but more transparent,  Walmart  on the other hand has been awful from day  one on la ck of clarity and changing terms, due dates, and interest at their will with no agreement from me. I have filed a dispute with  XXXX  but no result as of yet.    Walmart said i t will take up to 60 days to adjust due dates ( again mind yo u )  and to get results of their erroneous interest charges on this closed account. I do not owe this amount, it is much lower, I have paid faithfully the minimum and a few times well over that when I closed the account. Balance should be approximately  XXXX .

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-04-20 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
Upon being denied from a lender for " too many inquiries '' from TransUnion report, I decided to check my reports from all credit bureaus for accuracy. I have noticed that there are a few credit inquiries on my  XXXX ,   XXXX   and TransUnion that I DID NOT AUTHORIZE and had no knowledge of. I also have had frauds alerts already in place which should have avoided any future issues. Please see the following inquries that were not authorized by me with the date of when the report was improperly requested and received any identification or authorization from ME to pull my credit for any reasons.    XXXX   XXXX   XXXX   XXXX   XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    XXXX   XXXX    XXXX   XXXX   XXXX   XXXX   XXXX    XXXX   XXXX    XXXX    XXXX   XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    XXXX   XXXX    XXXX    XXXX   XXXX   XXXX    XXXX   XXXX   XXXX   XXXX   XXXX    XXXX   XXXX   XXXX    XXXX    XXXX   XXXX   XXXX    XXXX    XXXX   XXXX    XXXX   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 2017-04-18 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Aspen Properties Group, LLC
State: NV

Complaint narrative:
The homeowner has been trying to get a loan modification since  XXXX / XXXX / XXXX . Recently I was served a Notice of  Default  on  XXXX   XXXX ,  XXXX . The servicer  XXXX   XXXX  served the  XXXX  Notice. A trustee of Sale is :  XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX ,  XXXX , Nevada,  XXXX .     I have a change of circumstances and am formally filing an appeal via the CFP B Consumer Finance Protection Bureau. I  am requesting a basis of denial report, as appears that errors in the income and property value were used to base the denial for request for a loan modification. I was denied a loan modification : without an explanation for the denial.     On  XXXX / XXXX / XXXX  A notice  of Default was file d. There is no date of sale set at this time.     Recently on  XXXX   XXXX ,  XXXX  I discovered that the previous lenders,  XXXX ,   XXXX   XXXX   XXXX  ,  XXXX   XXXX  and   XXXX   XXXX   XXXX   : signed consent agreements for mortgage fraud violations, including no just standing. The homeowner has ordered a  XXXX   XXXX   XXXX  on this property and reserves all rights under discovery and possible violations exist in the following :   1. Broken chain of title.
2  . No just standing  3 . Gross fragmentation of the note to  XXXX   XXXX .   The home owners  XXXX  audit produced in  XXXX   XXXX ,  XXXX  : could also show strong evidence of known robo signer participation in  XXXX  documents and more.   The Homeowner alleges the following investor, Master Trustee and servicers ; most likely knew of the broken title and no just standing : but started the foreclosure process without just standing. The investor, Master Trustee and servicers include :  Aspen G LLC ,  XXXX ,   XXXX   XXXX   XXXX  ,  XXXX   XXXX  and of course   XXXX   XXXX   XXXX  .     This CFPB complaint includes :  1 . LACK OF STANDING TO FORECLOSE ;  2. FRAUD IN THE CONCEALMENT ; 3. FRAUD IN THE INDUCEMENT ; 4. INTENTIONAL INFLICTION OF EMOTIONAL DISTRESS ; 5. QUIET TITLE ; 6. SLANDER OF TITLE ; 7. DECLARATORY RELIEF ; 8. VIOLATIONS OF TILA ; 9. VIOLATIONS OF RESPA ; 10 . RESCISSION.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-19 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
The lender initiated foreclosure within the early intervention period in violation of Regulation X,  12 C.F.R. 1024.41 ( f ).  - The lender has also not provided a response to our qualified written request for the loan history needed to assist our client.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-21 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC.
State: WI

Complaint narrative:
I have had numerous issues with Navient and my forbearances in the past. Most recently, I called to defer my loans, received a confirmation, and then a month after doing so, saw that my forbearance payment was returned to my bank account. Called Navient, had to apply for the forbearance again, and was told I had till  XXXX  before it would end. Today I received a second delinquency notice, although it should be in forbearance currently. I spoke with someone in  XXXX  and again in  XXXX  about putting my loans into forbearance and it does not appear to have taken affect. I also had this happen to me a year or so before where the {$100.00} I had to pay on my loans to put them into forbearance was applied as a payment to my account instead of the forbearance fee. I noticed it the same day, notified them, and they assured me that it was applied correctly. I had to call numerous times upon receiving delinquency notices, and I had attempted to escalate the situation and speak with a supervisor but during the entirety of what was supposed to be a forbearance period, my loan was shown as delinquent and never adjusted. They told me it would not affect my credit rating. I am struggling to pay these loans back and it makes it impossible when the lender ca n't even assist as it should be. I have tried and tried to be diligent, responsible, and address any issues I 've seen in regards to my loans, but  Navient  has been incredibly difficult to work with. I do not trust them, nor do I know if speaking with a representative will ensure a resolution or solution for my issues and concerns. I have $  XXXX  worth of loans with Navient, and am struggling. Everyday I want to cry because as a college graduate and as a professional, I ca n't afford to pay these.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-04-18 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Other service issues — 
Company: Paypal Holdings, Inc
State: OK

Complaint narrative:
I was notified b y Paypal o n  XXXX    XXXX   XXXX   that my account had been limited '' what in our experience is usually high risk ''. I called  Paypal tha t morning and spoke with a customer service rep and was told my account was " limited '' and I would not be able to withdraw my funds for 180 days. I asked why this was done and I was told you will have to contact our legal department via mail '' I was confused as I have never had a single claim filed against my Paypal account. I emailed and received a phone call and was told that " do to my friends and family '' transaction Paypal has determined I am high risk. Again I asked how I am high risk as I have never had a complant. It was explained to me that " high risk '' is more or less a blanket umbrella that  Paypal  can use on whatever they see fit and under its terms of use they have the right to hold my funds for 180 days. I have reviewed the terms of agreement, which was just changed on  XXXX   XXXX    XXXX  , and they have removed the terminology where I can send friends and family money for services. This is primarily what these transaction were. I am currently in the military and used  Paypal  when   XXXX   or  XXXX . I spoke with another gentleman on   XXXX   XXXX   XXXX     who said my case would be reviewed in 30 days to determine if it was still " high risk ''. Well since " high risk '' means anything Paypal wants it to, again I have never had a claim filed against me or my account, I seriously doubt the decision will be reversed.  XXXX  ither was I find it ubsurd that Paypal ca n just arbitrarily make a decision to hold my funds for 180 days, especially considering there have been no complaints filed against me. I am seeking any help I can get at this point as all  Paypal w ill tell me is to high a lawyer.

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 2017-04-20 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A.
State: SC

Complaint narrative:
Citifinancial fa iled to participate in the  XXXX  Help mortgage relief program and not only me, but to others as well. I was unable to receive help from the mortgage relief program in  XXXX  which caused me difficulties, because you would not participate.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-18 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: TCF NATIONAL BANK
State: VA

Complaint narrative:
This falls in line with the previous complaint made and my recent dispute of the solution provided by the lender ( #  XXXX   XXXX . I received a call on  XXXX  during which I told the Customer Service person that  XXXX  has assured me that all future communication from them would be in writing to which her response was " we do n't have a do not call list ''. She pushed for me to give the detail of when the next payment would be made which and the amount which I gave. On  XXXX  I received another call with this VM "   XXXX   XXXX    I  am giving you a call AGAIN, letting you know I still have your file, we only have a limited time to get this matter resolved so it is important that you call me back today. If not, there 's a possibility that a decision will be made on your behalf that is NOT in your best interest. I 'll be here unti  XXXX   XXXX   XXXX   ... ... ... My name is  XXXX  with  XXXX   XXXX  ''. My payment was posted that day.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-17 00:00:00
Product: Prepaid card — Mobile wallet
Issue: Managing, opening, or closing account — 
Company: Empowerment Ventures, LLC
State: IL

Complaint narrative:
On  XXXX   XXXX ,  XXXX , I contacted Rushcard via phone. I explained to customer service rep, I would like a copy of my transactions or statement for  XXXX   XXXX   XXXX ,  XXXX . He explained to me he was unable to provide the request. I was put me on hold fo r 5 m inutes. After being on hold, the rep informed me he would send a request to the  Corporate Office,  and I should receive documents requested in  1-3  business days via email. As of  XXXX   XXXX ,  XXXX  I have had any communication or received documents requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-21 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
To whom it may concern, I mailed the Multiple Inquiry Removal Letter on    XXXX   XXXX   XXXX     by certified mail in order to dispute the information, in regards to  XXXX  hard inquires that were being reported on my credit report. They received the received the letter on   XXXX   XXXX   XXXX     and completed the request on   XXXX   XXXX   XXXX    . The request that I submitted included the  XXXX  hard inquires were not factual and I received the same response of a general letter from Equifax for ALL inquiries stating that inquiries contain information about companies that have requested and/or viewed your credit report information typically within the last  two years. According to the FCRA Rules, FCRA 623 ( b ) ( 2 ) and 611 ( a ), it states that any information can be disputed and Must be investigated and if you do not investigate And respond, the CRA must delete the disputed information from its files. The fact that I received a response 4 days after the receipt of my   certified letter, clearly is a sign that no investigation was taken to look into my dispute. I am in the process of trying to purchase a home and the hard inquiries on my credit report will have a bearing in this endeavor. I am submitting this complaint due to the lack of investigation into my original dispute for hard inquires that do not belong to me. This is unfair practices by the credit reporting agency with no concern for the credit worthiness of a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: MI

Complaint narrative:
NationStar Mortgage has not been reporting to the  XXXX  credit bureaus,  XXXX ,  XXXX , nor  XXXX , my payment history since   XXXX  .

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-20 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC.
State: MD

Complaint narrative:
Trying to get a lower payment and after ruining my daughter 's credit and the co-signer 's credi t Navient, fina lly speaks with us. Now, they offered 2.5 % and a loan payment of {$130.00}. Between a few people trying to help with this, there is no automatic payment from a checking account. IT will be see who can pay or help for the month. They are not accepting this! Really, after not negotiating and talking down to us for numerous months, they wo n't accept this payment without being an auto payment? Now that credit had been demolished, on ca n't even qualify to refinance via another loan company. They should be sued! Unreal.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-12 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Credit Protection Association, L.P.
State: FL

Complaint narrative:
Trying to collect a debt that is not in my name and violations of FCRA in false reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-15 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
We are trying to refinance our house. 
Background : In XX/XX/XXXX my wife was laid off from her job. We tried to refinance our mortgage but could not as my wife was out of a job. We tried to get a loan modification from our mortgage holder, XXXX, for hardship as my wife was laid off and my son had to have XXXX at that time. After they had us go through the motions collecting all our data they said they could not modify the loan as it was a bundled loan they purchased and the investors would not allow it. The mortgage was originally with XXXX. After I sent letters to our congressman, XXXX agreed to temporarily lower the mortgage payments. After my wife got a new job, we tried again to refinance and instead XXXX said since she was back to work we had to pay back the difference of what we would have paid and what they lowered our payment within three weeks or they would foreclose on us. This was $ XXXX! We ended up taking the money out of our XXXX retirement account so they would not foreclose on us and again they said they could not refinance the loan. We could not go to another lender as the price of the house had dropped by about 50 %. 

We now are again trying to refinance after cleaning up our credit and house value finally coming back. Our credit union said my credit is still damaged because of a {$12000.00} Federal Tax lien from XX/XX/XXXX which was paid off in XX/XX/XXXX. We are trying to get TransUnion to remove it from my credit report as it was paid off in XX/XX/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 non-monetary relief
Consumer complaint received 2017-04-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC.
State: MD

Complaint narrative:
Hello i have tried many avenues with dealing with Navient so im trying this as another way in case contacting Navient by mail and Credit Bureau by mail and online disbute doesnt work. I spoke with a Navient representative on XX/XX/XXXX explained my financial issues. He told me i was n't eligible for forbearance nor deferment but i could do something similiar which is income based and i needed to send in my info. I explained i would n't be able to send tax info til i file. I was told my loans would be made current and i had a grace period til XX/XX/XXXX before getting documents in starting payments again. On XX/XX/XXXX I recieved an alert saying a change occurred on my report, Navient had reported late dates for XX/XX/XXXX abd XX/XX/XXXX to XXXX dropping my score with them down to XXXX pts. I called Navient explaining my account was on hold and made current she reported seeing this on her computer and said she would put in a dispute that could take up to 90 days. So i told her within seconds it them to lower my credut score, it will take them 90 days to figure out if they will do anything about it, sge said yes. This drop was catastrophic to me since i have to help my son with his school loans also. So i decided to call XXXX and dispute with them they said it will take 30 days. I sent a letter to Navient then on XX/XX/XXXX i received a alert that my score went up but within an a few hours another alert occurred saying Navient reported the same late dates for XX/XX/XXXX and XX/XX/XXXX but on XXXX which dropped my scores with them another XXXX points. Im so overwhelmed with how these people are destroying peoples livelihood. Im not sure why they would report late dates for XX/XX/XXXX, right now, and did n't before and if im in good standing now why report late date for this year. I truly need assistance with this issue. Im trying to do better with my student loans but they are making it very hard.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-13 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Portfolio Recovery Associates, LLC
State: TN

Complaint narrative:
In checking my credit report, portfolio recovery had me dinged for {$280.00} due to a " XXXX '' account. I asked when this account was open, what the credit limit originally stated, and for an itemized list of charges. After being transferred to four different representatives and " managers '' I lost my patience and stated, " i will just go ahead and pay it in full if you remove from my credit report ''. Said representative agreed and we continued with payment. I paid the account in full - as soon as I received confirmation that the payment went through I checked my credit report and the balance still shows {$280.00} on transunion but {$0.00} on XXXX and XXXX. I then disputed the collections with each bureau and portfolio recovery DENIED removing the account stating that the information is " correct ''. Looking back at it, i should n't have given them a penny. Why? Because they could n't even verify the original debt and had NEVER sent me any mail/email regarding the account. This company records all of their calls so they should follow their word! Espeically considering they received {$280.00} from someone whom they could n't even verify. VERY DISAPPOINTED!

Company response to consumer: Closed with explanation