vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-04-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: AES/PHEAA
State: MN

Complaint narrative:
This past year I officially changed career fields to follow my passion, going from business to education. Taking advantage of the  XXXX   Grant (  {$8000.00} upfront for school fees in exchange for serving in a high need field in a low income school ) allowed me make this change.     I am now fulfilling the goal of the program working as an  XXXX    XXXX   in a   XXXX   XXXX   XXXX    (   XXXX   XXXX   XXXX   XXXX ,  XXXX , MN ). Recently, I received notice that my {$8000.00} grant was turned into a loan that I have to repay because I did not follow their fine print rule of informing them that I am in fact fulfilling the goal of the program. They sent three notices by email that went to my junk mail before I could read them, and then they sent a piece of real mail to my house stating that my grant had been converted. They claim there is nothing I can do to reverse it.     I believe it is unjust that I could so easily be robbed of my grant when I am fulfilling the goal of the program. Additionally, the fact that I did n't receive a paper copy notice until it was too late makes their communication process seem inadequate.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-18 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
I have  XXXX  mortgage companies my primary  XXXX   XXXX  servicing and secondary Citimortgage. I have mortgage insurance through my primary mortgage company  XXXX   XXXX   XXXX . I have been having difficulty with my   XXXX    Mortgage  Company Citi  Bank. They send me a letter telling me that unless I prove I have hazard insurance they will obtain Insurance for me. I have faxed them the information and have mailed them the required documents through the years to show them I hav e Insurance an d sometimes they cancel the policy they obtained other timesThey just continue on charging me for  the Insurance. My monthly mortgage is {$1100.00} they increased it to {$1500.00} for the Mortgage Insurance they attached. I can not afford this an d I am behind again with my mortgage and they are threatening foreclosure. I have paid them my mortgage premium of {$1100.00} and thy say they have not received any payments from  XXXX  through  XXXX . I asked them where the money went and they say it went to unapplied funds. They tell me I owe them {$7900.00} now and they have threatened foreclosure. I called them again today to tell them that I already have mortgage insurance through my primary mortgage  XXXX  and have sent in supporting paperwork and will send it in again. They told me for th e 1st tim e ever that My  XXXX   XXXX   XXXX  does not cover this loan and that I also need to have insurance through them also. I asked to speak to a  Manager. The Manager t old me the same thing. They are covering my house for the eaxct same insurance as my primary coverage. I can not afford  XXXX  insurances that cover the same thing. I need help. I do not know what to do.

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 2017-04-20 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Eastern Account Systems of Connecticut, Inc.
State: FL

Complaint narrative:
Eastern Sy stems Posted a debt collection on my credit repo rt EASTERN ACCOUNT SYSTEM I  Address :  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , CT  XXXX  (  XXXX  )  XXXX  Account Number :  XXXX  Original Creditor :   XXXX      XXXX   XXXX    XXXX  Address Identification Number :  XXXX  Status : Collection account. {$59.00} past due as  of   XXXX   2017.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-17 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Big Picture Loans, LLC
State: CA

Complaint narrative:
The loan amount was for {$1000.00}. However, I was unable to see my contract until after the loan was disbursed. The loan payments is {$300.00} birthday weekly totaling {$600.00} a month for a {$1000.00} loan. All payments are going towards interest and not towards the principal. This is making the loan very expensive. Therefore, the loan is costing me over {$6000.00} dollars. The contract lists the Interest rate at a ridiculous rate of 646. %. I was n't aware that I had to pay {$300.00} twice a month on a {$1000.00} dollar loan.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-04-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Nelnet, Inc.
State: NV

Complaint narrative:
I submitted an application for  XXXX  discharge with Nelnet. I have been calling them for the last 3 months, and nothing has moved on my application. I have been told that my application has been archived and has to be rebuilt. I do not believe this. I believe that  Nelnet  is purposely delaying my application because it has merit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-21 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I have brought  to Wells Fargo attenti on a fraudulent act that is on my loan. I am the owner of the property and  XXXX   XXXX  was also a named person on the deed. After I filed a compla int, Wells Fargo issue d a new loan number and informed me that nothing had changed from the old loan to the new loan. I have requested proof of all the closing documentation, warranty deed, deed of lot  XXXX  and lot  XXXX  that was used as collateral on Loan number  XXXX . All correspondence from  XXXX   XXXX  regarding my loa n. Wells Fargo is g iving the new loan information to others without my permission. I am concerned because  XXXX   XXXX  said  XXXX   XXXX  is dead. In the event of my untimely death due to corruption with my property the  XXXX  County property tax department shows that my property is in the name of  XXXX   XXXX   XXXX  which  XXXX   XXXX  is aware. I have faxed proof of other clients who says  XXXX  and Company is corrupt but  Wells Fargo b ut I have reason to believe that  XXXX   XXXX  have been speaking with  XXXX  attorney against me. Wells Fargo says the property belong to  XXXX  which is corruption and extortion. This is fraud. Escrow is being attached to my loan with vendors I have not signed or authorized to escrow my loan. If I try and get insurance on my loan I can not because  XXXX  County have the property in someone else 's name and  Wells Fargo  ignores. I am the second position on my property.  XXXX   XXXX  :  XXXX   XXXX   XXXX ,  XXXX   XXXX , Texas  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 servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: WA

Complaint narrative:
Confidentiality breach. When I requested copies of my mortgage documents,  Nationstar  bank sent me someone else 's documents including pay check stubs, tax returns with signatures, social security numbers, phone numbers, addresses, attached to my documents. I am concerned my documents may have been sent to the other party or someone else.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-18 00:00:00
Product: Credit card — 
Issue: Billing statement — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
The company, citi, refuses to correct duplicate charge on my account made by wash laundry on  XXXX   XXXX   2017. I have  called in a number of times as well as submitted the request through my account on line.

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 2017-04-21 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
Again I come with the continuinf complaints against Ocwen and  XXXX   XXXX .   yesterdays complaint by you came in part from my complaints, I have a hearing on  XXXX   XXXX  where  Ocwen a nd  XXXX   XXXX  will try to sell the home from a bogus orde r in  XX/XX/XXXX  that the  court can dismiss or this complaint of yours can help.i am filing a copy to the court today, but can you aid me in this as I am the guy who helped create your office.The  XXXX  loan was a fraud, and the dox went into  XXXX  trusts! they are RICO and want help

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 — Trouble with how payments are handled
Company: Navient Solutions, LLC.
State: IL

Complaint narrative:
I have asked ancient several times follower my loan, atleas t 2-3 different times in 2016, I ask ed if I could extend the life of my loans and they refused stating I had to pay the amount they determined, stated they could not extend the life of the loan. When I asked what I was supposed to do because I could not afford that loan and my other student loans they said to speak with my cosigner to help with repayments. They would not help me to make my loans affordable

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-19 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
A few accounts were removed from my Transunion report on  XXXX   XXXX     2017 and  reinserted.

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 2017-04-17 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
My accounts with :  XXXX   XXXX   XXXX  #  XXXX   XXXX   XXXX   XXXX  #  XXXX   XXXX   XXXX   XXXX  #  XXXX   XXXX   XXXX  #  XXXX  were paid in full at  XXXX   XXXX  and are not a valid collections account, you will find the receipt of payment attached.

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 2017-04-18 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: MD

Complaint narrative:
I paid off the mortgage to Champion mortgage in  XXXX  for the estate of my uncle. They sent me written affirmation that it was paid off on  XXXX   XXXX . The forced place insurance company settled with me for {$150000.00} in damages to the property which had the mortgage in  XXXX  but the mortgage company insisted it receive the check. On  XXXX   XXXX  Champion mortgage informed me that it had received the check from the insurance company but was holding it pending a showing that the repairs had been made. I have tried to convince the mortgage company to send me the check, since  Champion no  longer had any interest or was owed anything on the mortgage, and have received numerous reasons why it could not do so including saying the check was in the mail, though it had not reached me 14 days after their saying so. Ironically,  Champion ap plied an earlier insurance check that was issued in  XXXX    XXXX   to the unpaid balance of the mortgage, without asking my permission. I would like the money with interest ASAP. I am the legally appointed administrator for the property.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-13 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: TENET HEALTHCARE CORPORATION
State: TX

Complaint narrative:
i do not owe this company any debt .... i have not been here

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-21 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
Today I logged into my online account to make a payment and was shocked to find out that all of my account were placed on a restricted status and all of lines of credit were removed. When I cal led Capital One to g et more information I was told that they believed that there was fraudulent activity on my account. They requested that I send them a copy each authorized users drivers license and social security card. I was told that if I do n't provide the information they would close my accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-21 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
Barclays c onverted an existing credit card of mine to a different type. When doing so, they informed me that any rewards accumulated up to that point would be lost ( I had none ), and that going forward I would earn  XXXX  point per dollar of purchases, in addition to a  XXXX  point bonus after spending {$1000.00}. I made a {$1000.00} purchase a few days later, but was awarded no regular points and no bonus points ( I am owed  XXXX  +  XXXX  =  XXXX  points = {$110.00} in cash ba ck ). I  contacted them and have received varying responses, including promises to credit the points and statements that no points will be given me ( their representatives seem confused ). After multiple emails back and forth, 32 days ago they opened an internal case, which they assured me would be completed within 30 days. They have offered no resolution to this case, so I am contacting the CFPB for assistance.

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 2017-04-19 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
your company failed to provide the required notice of additional required documents w ithin five ( 5 ) b usiness days in violation of Regulatio n X, 12 C.F.R. 1024.41 ( b ) ( 2 ) ( B ). Therefore , this client 's application is entitled to be treated as facially complete pursuant to Regulation  X, 12 C.F.R. 1024.41 ( c ) ( i v ).

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 2017-04-20 00:00:00
Product: Mortgage — VA mortgage
Issue: Credit decision / Underwriting — 
Company: 360 MORTGAGE GROUP LLC
State: GA

Complaint narrative:
I just checked my credit reports as of  XXXX   XXXX   17 and only  partial information was fixed. The request for the removal of 30 days late was not take off. Transunion had fixed their information around  XXXX   XXXX   17 and  my score and account were fixed. However, it has since been reverted back to 30 days late for some reason even though all the information shows it was n't late.  XXXX  updated their information on  XXXX    XXXX    17 ex cept still showing as 30 days late.   I am requesting 360 resubmit the request for the 30 days late be removed and the current status to reflect CURRENT or PAID AS AGREED. Never late.     I request this be done immediately as a future loan is pending this correction and is causing serious headaches for me. I have wrote t he President of 360 again t o make him aware of this and to see if this will be fixed quicker as well. I understand   360 will have 15 days, however, i need to have this done in the next 7 days as my future loan and home depend on this. I am also requesting 360 refund the {$39.00} I paid to check this correction via   XXXX   since the corrections were not completed correctly.     This references previous CFPB submission Case number :  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-19 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: DISCOVER BANK
State: FL

Complaint narrative:
Discover PL has put and account into collections several times for the same account. At one point, Discover PL file d a suit in a court that was more than  XXXX  miles from my home. I had no way to attend, had I known ( I was never contacted or served ). The judge ended up dismissing the  suit. Discover PL continu es to report this account, even though a judge has dismissed. Perhaps they have filed a suit again, I do not know as I have not been contacted, just like before. But no w Discover PL is   reporting to  XXXX  as a delinquent account and as a new open collections account at the same time.  XXXX  allows it because it 's fro m Discover PL.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-17 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due as of  XXXX     2015 I am  not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

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 2017-04-20 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
On  XXXX   XXXX ,  2017, I rece ived a credit report alert from  XXXX  that  XXXX  negative accounts is being reported on my Equifax report. The  XXXX  negative accounts are  1. G  XXXX   XXXX   XXXX   XXXX  and  2.   XXXX   XXXX . Equifax removed the  XXXX  accounts on my credit file in  XXXX   XXXX . I was never notified that these accounts was going to be placed on my credit prior to this being put back on my credit file Per the FCRA " If a previously negative item is reinserted the Fair Credit Reporting Act ( FCRA ) requires the credit reporting agency to notify you no later tha n five d ays after the date of reinsertion. '' Their customer service is horrible it seems as though as soon as  XXXX  account gets removed they come back and reinsert another one. Please find that I 've included the previous cases that I filed against them via CFPB. Notice that Equifax responded several times in regards to this  XXXX   XXXX   XXXX   XXXX  account " stating that it 's not reporting and on my credit file and th e 1st res ponse is that they deleted it '' also I attached the credit report that they claimed that they removed both items. My case is based on a previous complaint I filed with CFPB #  XXXX  against Equifax they were reporting another deleted account on my credit file and they should n't. After their investigation, they responded with a letter stating that they deleted this item. Today Equifax has put it back on my credit bureau without notifying me prior that it 'll be back on there. Here are all the supporting documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Nelnet, Inc.
State: IN

Complaint narrative:
Contact nelnet about my student loan and receive no help. I filled out a repayment application, emailed it in with the correct documentation got an email response back that it was received. I was told it would take abo ut 10  business days to get a response. received another email that they needed me to verify if I was married and if I had children and immediately responded back. now they 're saying that I filled out the form incorrectly which they 've never said before. I was not told that it was on a recorded line I was not read a mini Maranda I claiming that this is an attempt to collect a debt anything obtained will be used for that purpose which is legally they are responsible to do and I still have not received any information about the form

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-20 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: LD Holdings Group, LLC
State: MA

Complaint narrative:
Loandepot has repeatedly used " robo-calling '' and deceptive tactics to collect a debt. They continuously attempted to deceive through various recorded phone messages left on my cell phone, after they had asked and were denied the right to automated call or text my cell phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-21 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC
State: NV

Complaint narrative:
This is a response to the complaint that was submitted  XXXX   XXXX ,   XXXX   regarding Nationstar Mortgage. Their response to my complaint #  XXXX  is false. My attorney was disbarred and they know this. According to Nationstar, their records indicate I am being represented by an attorney. That is wrong. They make up excuses to avoid dealing with the issues. This causes barriers when trying to get to the truth. Nationstar foreclosed on my house knowing I was trying to avoid foreclosure. To tell me it is too late to process a short sale is unacceptable. The foreclosure was fraudulent. I would like a full investigation into the decisions Nationstar made during my quest for a loan modification and finally a short sale. The fact that an offer for {$400000.00} to purchase my home through a short sale and Nationstar forecloses and then lists the house at {$370000.00} is again unacceptable. This was an act of greed and down right corrupt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-18 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Sentry Credit, Inc.
State: MO

Complaint narrative:
I do n't recall getting any collection notice from Sentry. I am unaware what this bill is for and where it originated.

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