vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-03-21 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: GA

Complaint narrative:
Nationstar has been out of compliance and committing unlawful acts on my mortgage loan. Nationstar is not the original company and is flawed in reporting accurately and they are over charging me. I have asked for copies of my original loan and they are not able to produce my documents nor signature documents. I am XXXX years old and on a fix income and this is a violation of my consumer rights. I have documents and proof of the flawed acts of Nationstar. I notice there is a lawsuit against this company. Can you please consider my complaint and assist me in relieving me from this predatory debt and unlawful act.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-12 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: CA

Complaint narrative:
I have a home loan with Nationstar Mortgage and they are not honoring an agreement I entered into with them on XX/XX/XXXX, which I have maintained, and they are threatening me with foreclosure. Per them, my mortgage had not been paid since XX/XX/XXXX to XX/XX/XXXX, which is not true and I have sent them copies of all of my cancelled checks, which they they processed. Each time I have contacted them via phone, I have been given the run around. First they claimed they never received the payments and then they sent me statement showing the checks. I have until XX/XX/XXXX to pay them the outstanding balance of {$8200.00}, otherwise, per the letter they sent me, they will foreclose on my home. True I was behind in XX/XX/XXXX, approx, {$28000.00}, however, prior to my bankrupcty being approved, they agreed to allow me 60 months to repay my arrears over a 60 month period at no interest and penalties in the amount of {$540.00}. per month in addition to my mortgage. a few months after I entered into this agreement, I found out from the county that my property taxes were not being paid from my impound account so I called them and they informed me that they were not paying them because I was behind in my mortgage. Subsequently, I wrote them and informed them that I had an agreement with them, and was paying my arrears over time and my mortgage payments included the impound fees, but they claimed no agreement existed and never responded to my written correspondence, but did pay the property taxes. Now they are trying to say I did not pay my mortgage since XX/XX/XXXX-XX/XX/XXXX, when they know that I in fact did, and sent them evidence supporting disputing their claim, all I get from them is untruths and the run around.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
I have XXXX loans with Navient, XXXX stafford and XXXX private. My stafford loans went through rehabilitation a couple of years ago and I have really been working hard to make sure I got them paid every month. Starting in XXXX of last year navient apparently began applying my stafford payments ( which total to approximately $ 90/month ) to the private loan ( which I also pay {$60.00} on monthly as arranged by their creditor XXXX for the last 3 years ). They misapplied my stafford payments from XX/XX/XXXX until XX/XX/XXXX and now I have a terrible late payment history on my credit reports which I had been making such great progress on in addition to all the late fees. I only found this out because I recently tried to get financing and was unable to. Not only had I paid what I owed them but I even had paid more than {$400.00} in extra payments ( extra payments in XXXX, XXXX, XXXX, XXXX and XXXX ). Their website is so confusing its taken me hours going back and forth with my bank statements to even figure out where my money went.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-27 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:
In dealing with XXXX, and now Navient in regards to my private student loan, I have been charged an exorbitant amount of fees and late charges due to the mishandling of my account. While trying to resolve any matter or request assistance from a representative, I was always quickly rushed off the phone. Its like they are not allowed to speak with a customer for more than 5 minutes. The representatives at Navient were always quick to push me into a forbearance but never offered any other type of program that may make it easier to afford my loan. Even while on XXXX with the XXXX, the only program offered to me was forbearance. Whats worse, is that on my last XXXX, my forbearance that I thought was for the duration of my orders, was only for one month. After I returned from XXXX I found my account severely past due and I owed months of late fees. You would think that when you are 60, 90 days past due they would make an attempt to call you and resolve the payment issue like most creditors do. Not Navient, they seem perfectly happy with you as long as they have their late fees on top of the interest which never stops. 
Another issue is that they offer no assistance if your on a private student loan and have a XXXX student loan repayment contract. The XXXX is kind enough to make one large payment a year to my loan, unfortunately, Navient does not allow this one payment to be the sole payment for the year, even though it is 3x larger than the sum of my regularly scheduled monthly payments. Perhaps they do offer a program for XXXX, but I would never know because ever rep at Navient has a different way of pushing back when I ask about it. So for now I continue to make monthly payments even though the XXXX has one for me at the end of the year. With all the interest and fees I have been charged, my {$30000.00} XXXX student loan bonus is almost used up and my original {$25000.00} student loan is nowhere near to being paid off. 
Navient appears to be one of those companies that if you call them 5 times, your going to get 5 different answers. In dozens of calls to them, the main option presented repeatedly was a forbearence, which may offer temporary relief, it actually just digs you deeper in debt, which appears to be Navients goal.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-23 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
I applied a BOA VISA XXXX card on XX/XX/2016. While I open this card, they promised {$100.00} bonus if I spent {$500.00} within 90 days. The results : I did spent about {$1100.00} in 90 days. They still deny my bonus for {$100.00}. More, I should have cash reward for about {$13.00}. They said : " We can not give you this amount, the minimum is {$25.00}. '' I think they are cheating customers.

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 2017-03-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC

Complaint narrative:
My mortgage is being traded on the market under the XXXX XXXX with a closing date of XX/XX/XXXX baring a CUSIP number XXXX, and the securitization trustee who is the trustee for the security instrument has not been providing me with the financial information or the interest information for me to collect on my investment and my entire attempts to get this information from the securitization trustee has gone ignored and unanswered. Bank of America , N.A . ( a subsidiary of Bank of America Corporation ) and others are defrauding me and conspiring against me, the home has mortgage default insurance on it and as part of the mortgage security agreement that allows for it to be traded on the market, the mortgage default insurance is there to protect everyone and as I demanded in the notice dated XX/XX/XXXX sent under certified mail number XXXX addressed to XXXX ( XXXX XXXX ) for Bank of America , N.A . and received by Bank of America , N.A . on XX/XX/XXXX they are refusing to apply for the mortgage default insurance as required by the security agreement, they are now violating the trust agreement and this is security fraud.

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 2017-03-01 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
Wells Fargo started my refinancing of my home mortgage in XX/XX/2016. I received the whole Uniform Residential Loan Application, Loan Estimate, I had Appraisal Report done and meet with XXXX, Mortgage Consultant : NMLSR ID : XXXX Phone XXXX at Wells Fargo Bank on XX/XX/2016 to receive my Closing Cost Details XXXX. 
I contacted XXXX several times and he continues to tell me he will be contacting me to schedule my closing date. He never contacted me and I continued to call him but he never returned my calls or answered my voicemails that I would leave.

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 2017-03-27 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
This account does not belong to me. I reside in California and it stating this account was for gas services in Las Vegas Nevada. I disputed this with Transunion and XXXX and it was only updated and I was not provided with any information on how this debt was validated. I want this investigated and removed from my credit report.

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 2017-03-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: PRIMELENDING, A PLAINSCAPITAL COMPANY
State: CA

Complaint narrative:
This complaint is in regards to unauthorized fee for an appraisal that was ordered by my former home loan officer XXXX XXXX XXXX ( # XXXX ) at Prime Lending XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Tel : XXXX. On XX/XX/2017, XXXX XXXX XXXX was notified that home loan services from Prime Lending were no longer needed due to his aggressive and unprofessional speech via telephone on XX/XX/XXXX. 
Surprisingly, on XX/XX/XXXX, I received a intimidating voicemail from stating " the appraisal went to the property on yesterday, the appraisal is done..you have until Monday to pay the appraisal fee ( {$550.00} ) ..I would hate to have this affect your credit and cause you problems with moving forward with a new loan ''. Since getting the appraisal supervisor and accounts receivable involved, I was sent a link by XXXX XXXX for a {$150.00} trip fee. My position is I did not authorize this appraisal, therefore I should not be charged any associated fees. Please look into this matter to assist me in resolving this issue. 
Regards, XXXX XXXX Former Loan # XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-22 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
My credit card with XXXX XXXX was charged off in XXXX 2016. XXXX XXXX has been reporting that charged off account as late & over the limit every month since it has been charged off to all XXXX credit bureaus. This is a huge concern. Please resolve this issue.

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 2017-03-26 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
When looking at my credit file I noticed the following companies are reporting negativity to my credit report. The companies in question are XXXX and XXXX has agreed to remove the negativity due to the account not belonging to me and has since been paid to have it removed. XXXX corp is showing a late payment on the account. the account has never been paid late and has been disputed.

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 2017-03-07 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
Experian report # XXXX date XX/XX/XXXX. Dear Sir or Madam : The sole purpose of this letter is to have Experian remove inaccurate information disputed now 3 different times on my Experian credit report. 
On XX/XX/XXXX I sent a dispute letter to Experian asking them to remove an inaccurate account for a company called XXXX ( XXXX ) appearing on my report. I initially disputed the information with XXXX requesting debt validation to include the alleged balance and calculation, proof that the account is correct, documents showing that I agreed to pay this debt and agreement that grants authority to collect this debt. To date, I have not received this from them. The company in question XXXX, has been unable to provide me with validation. I received a response from Experian on XX/XX/XXXX regarding this dispute stating that the account was updated and not removed. I then called and spoke to a customer service agent XXXX on XX/XX/XXXX who then initiated a new dispute that would take 30 more days. The company responded to Experian on XX/XX/XXXX, with no validation and is currently reporting inaccurate name information in my report. This is inaccurate information and therefore ; according too the law should be deleted from my report because it is reporting inaccurately. I spoke to another customer service agent XXXX at Experian on XX/XX/XXXX and she initiated another 30 day dispute for the inaccurately reporting information. I should not have to wait another 30 days for removal of this account on my report. I am asking for removal of this account from my credit report immediately as I have waited beyond 30 days for the solution per the FCRA that states inaccurate information should be deleted. 

Sincerely, 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 2017-03-30 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I went to check my credit report on XX/XX/2017 and I notice that they were showing my chapter XXXX bankruptcy. The information that is on my credit report was pulled from a third-party reporting agency. The clerk of court of XXXX County told me that they do not report public information to the credit agency. Therefore this information needs to be deleted from all of the credit reporting agencies.

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 2017-03-20 00:00:00
Product: Credit card — 
Issue: Cash advance — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
i got a cash advance of {$250.00} been trying to pay it off and i was told i have to be able to pay the hole amount of the cash advanve, recently i make a payment of {$1000.00} to my credit card and when i check my statement the cash advanve was not covered.when i call they refused to cover that amount from the XXXX dollars and they are charging me double interest my regular purchases and my cash advanve even though that i want to pay those XXXX they just refused to covered that amount.i want those XXXX covered withthe XXXX dollrs to stop excess interest

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-15 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: NM

Complaint narrative:
I complained about the same situation a couple of years ago. Ocwen sent fictitious records which they will probably do again. I have a mortgage being serviced by Ocwen. I have been dealing with this issue since XXXX. I have been harrassed, threatened foreclosure, They stated I owed them XXXX dollars at one point then I got an attorney and they stated less just three weeks ago they said I owed them XXXX, A week later XXXX. This week we are at XXXX. My lawyer was costing more than the equity so I dropped them and I am back to square one. Bad credit, stress and unable to obtain financial peace of mind. I had the loan originaly serviced by Indymac even though it was the same company it changed to OCWEN. Indymac had sold my loan while having errors. I disputed the errors to OCWEN. I asked them to respect RESPA but to know available remedy. OCWEN does not have a representative to talk to each representative regergetated the amount shown on their computer and when fees where assessed I had no other remedy other than to complain or pay the ballooned balance and eroneous fees or suffer the consequences. Since I am writing this, It can be assumed that I chose to suffer the stress, humilation and embarassment of being chastised by my work as OCWEN called or by being harrassed by the representative. OCWEN upon assuming the loan also began to charge me exessive amounts on my escrow account. They have now stopped accepting my payments as they have done before. They have returned three payments that happened to be the only payments that I have missed during this tenure. I offered them a settlement of XXXX. They accepted however they stated that the loan must be paid off by XXXX/XXXX/XXXX. I obtained a loan from XXXX I explained that it was a settlement and they agreed to work fast. The loan was ready to go all they needed the bank to say was this was a settlement and the loan will be considered paid in full. Every phone call to OCWEN from XXXX XXXX repeatedly stopped the loan by telling the processor that it was a short sale and that the home was in foreclusore. Each time I called the representative they stated that it is not so that it was a settlement. XXXX XXXX attempted to contact OCWEN with the same results that I have had for 9 years. Different representatives and unable to confirm that the property was not in foreclosure or short sale. After the date expired I recieved a letter explaining that they had offered a short sale. Even though I am the original owner who they were offering the settlement to.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-18 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: SLM CORPORATION
State: PA

Complaint narrative:
On XX/XX/2017, I 've paid in full XXXX education loans. Details are below : 1. XXXX Amount of payment {$22000.00} 2. XXXX Amount of payment {$20000.00} Customer service representative, who provide me with a payoff amount, told me that both loans will be marked " Paid in full '' and I 'll receive electronic " PAID IN FULL NOTIFICATION '' once my payments clear. 
As of today, XX/XX/2017, loan ending XXXX marked " Paid in full '' and I did receive " Paid in Full Notification ''. However, loan ending XXXX still in a payment mode with a negative ( $ -XXXX ) balance. I 've called SallieMae several times trying to solve this problem. Per customer service explanation, the negative balance preventing the system from closing loan and generating " Paid in Full Notification '' and the negative balance was due to incorrect Paid off amount given to me. I spoke to SallieMae on XX/XX/XXXX and they promise to me fix this technical issue within 24 hours. Unfortunately, the issue still there and I 'm attaching supporting evidence for you to review. 
Thank you in advance. 
Regards, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-14 00:00:00
Product: Debt collection — Medical
Issue: Communication tactics — Threatened to take legal action
Company: HOVG, LLC
State: CA

Complaint narrative:
This company refused to accept payment arrangements that I could afford without still reporting it on my credit. They wanted me to pay an amount that I could not afford and if did n't they would or may report it on my credit. Threatening to ruin my credit over this bill after I had alread explained to them that I was appealing the decision with my insurance company and tryouts no to get the full bill paid does not seem to be good business nor does it seem to me that it should be legal. I was in no way ignoring the bill or attempting to get away without paying. I offered to pay {$100.00} a month but they would not guarantee that it would n't go on my credit. That seems to be a very shady practice to me. If I 'm making payments on it, how can they report it on my credit. I am making an effort to clear the bill. They also wanted to charge me {$5.00} for each payment. That is not right. I refused to pay that {$5.00} each time I made my payment so they again threatened to report it on my credit. I have been working very hard time get this bill paid and to keep my credit in tact. However, despite my best intentions, nothing seemed to satisfy this company except that I pay some amount that I could n't afford. It does not seem like it to should be legal to threaten somebody 's good credit history because they ca n't agree to pay what a company thinks they should pay.

Company response to consumer: Closed with explanation