vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-06-10 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: Rent Recovery Solutions
State: MO

Complaint narrative:
This company is charging me for a debt that is not mine. I had a lease with my wife, we separated finished our lease she renewed by herself I never signed anything and I guess she broke the lease and now this company has a collection on my credit report which is wrong. I need help as I tried to resolve myself and could n't even obtain the validation

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-13 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO.
State: TN

Complaint narrative:
I applied online for the Chase Southwest credit card. I was denied for having too many accounts with chase. I have a checking, savings & Amazon credit card with them. The Amazon card was originally offered through another bank, XXXX if i recall correctly. 
My fianc, applied for the same Chase Southwest credit card, and she was approved. 
Here is my grievance ; I have a higher credit score & earn more than she does. I believe that my name was profiled for being a XXXX name. My fianc does not have a XXXX name.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
Navient will not allow me to put the extra money on the loan I want to. In order to pay more money between my XXXX loans. I had my loans in deferment and forbearance where they charged me interest and now I am also being charged an additional day rate interest. I did tell them I would be seeking legal aid because it is against the law what they are doing. I did NOT sign or agree to anything pertaining to addition interest charges being added daily, when my loans where in both deferment and forbearance agree to more interest. They refuse too help me and to allow me to put the extra money on the loan I want to pay off first. Navient has the rudest, most unhelpful people working for them. When I pay extra on the principal they are charging me an interest fee on top of the daily interest they are charging. So I am being charged a daily interest, monthly interest, forbearance interest and the interest fee on the principal. The school is closed on top of it. So I am stuck paying for something I was never able to fulfill on top of all these fees. Any help would be great since this school is CLOSED! It was The XXXX XXXX and XXXX in XXXX XXXX, CA.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-04 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
Citifinancial has not giving me credit for XXXX XXXX payment ; check # XXXX It was sent XXXX XXXX via certified mail # XXXX XXXX XXXX XXXX XXXX which shows that it was delivered by U.S Postal Service. It was sent along with check # XXXX which shows it was cashed by Citifinancial for XXXX, XXXX payment. Both payments were for the amount of {$550.00}. Also I included another check # XXXX for the amount of {$500.00} for partial payment of XXXX property taxes which has not been cashed by Citifinancial. There is also wrong information about the date a will finish paying my loan. I have not asked for a deferred payment plant since the beginning of my loan. Thus, I do not understand why Citifinancial is showing the last payment of my loan to be 6 month after the actual date it shows as the last date to be paid off. Also Citifinancial agreed to change the interest rate if I paid the first two years on time. Citifinancial did not honor the agreement. Enclosed documentations supporting my complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Nelnet, Inc.
State: CA

Complaint narrative:
XXXX or five years ago my husband & I went through Chapter XXXX which was dismissed XXXX 2016. When we filed we were told my student loan was not included, which was fine. I planned to continue paying ; however, the loan disappeared and I had no way to pay. The loan was with Nelnet and after the bankruptcy was discharged, I received an email from Nelnet telling me my loan was now two months overdue. Then I received a letter from XXXX which is a collection agency for student loans. My frustration is in the lack of communication from Nelnet. I am no longer interested in dealing with them due to their poor handling of my situation and XXXX has n't been any better, although recently I received a letter from them saying that Nelnet sold my loan when we filed bankruptcy and then bought it back after the bankruptcy was dismissed. I am furious because if they would have allowed me to keep paying, it would almost be paid off by now but they took my ability to continue paying away and randomly did their own thing without communicating with me. Even now, they have not communicated to me anything but demands for payment. They took my right to pay away when I was willing to continue paying. Collection calls do not count toward effective communication. They ca n't just show up after all these years and tell me my loan is overdue.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-13 00:00:00
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: BB&T CORPORATION
State: DC

Complaint narrative:
I was cheated by BB & T and the BBB could not handle the case and I am asking your help. 
My XXXX savings account was from XXXX opened in 1996. The bank was taken over by BB & T. I decided to let go of my high pay job and went to School. I wanted to close my savings account and I had plenty of Money in the checking account. The teller told me not to close it because if I had sufficient fund in the checking account there will not be any fees. I did not have that in writing, because I was banking with BB & T for many years. After XXXX months I found out that there is a monthly service charge of {$7.00} on a dormant account. I questioned the charges and they refuse to refund the money. When I went to close the account, they asked me to bring lots of ID to reactivate the account in person. Later I got a mail notice saying my account is active and please call to deactivate the account. I asked the manager saying if I was dead, would the money be depleted through service charges without letting my relatives know about the account and she said yes. She could not find any means to refund the money. I contacted XXXX, and their complain office for BB & T is in North Carolina, the same office of the BB & T head quarters. They did not intervene on my case, but acted as a medium for communication. When I tried to contact XXXX by writing I did not get any response. So please help. I have all documents and proofs. BB & T only refunded XXXX of the service charges and refused to refund the other half. 
Few things : If a customer dies, there is no written notice to the client or relatives regarding the balance in the bank. 
Second, The meaning of " BANK '' for savings is no longer applicable in BB & T because their business practices does not allow written notification regarding dormant accounts. 
Third the term " dormant '' is unfairly XXXX way. I can not as an account holder withdraw the money without ID, but the bank can enjoy deducting money till it is empty. When I went to activate it. they need all the ID and they wanted me in person. 
Please help.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-26 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: JH Portfolio Debt Equities, LLC
State: NC

Complaint narrative:
This company calls and leaves a message without disclosing who they intended to contact and left only a return contact number and reference number. Upon calling back and providing the purported reference number, the XXXX representative advised no direct knowledge and then disconnected the line when I inquired about further information.I called back because it is unlawful for even legitimate collection agencies to continue calling a company or person and fail to provide specific information and acknowledge the purpose of their call. Upon calling back, again the representative ( another one ) suggested it was " Credit Control LLC '' and then blindly transferred me to another representative who after providing the reference number and telephone number now thrice that a " XXXX XXXX '' was the ONLY person familiar with the matter. Now that just sounds like a load of nonsense ... Completely unprofessional and unethical ... I told him since they could n't seem to read the federal and state regulations that govern the practices of these collection agencies WITH COMPREHENSION that I 'd inform CFPB and maybe you all can assist them.

Company response to consumer: Closed
Consumer complaint received 2015-07-13 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
On a recent XXXX from XXXX to XXXX the flight staff made multiple announcements about a special offer. This occurred Fri., XXXX. XXXX, 2015 on XXXX XXXX departing XXXX arriving XXXX. The offer was described as a short term and one time only offer around the merger of XXXX XXXX and XXXX XXXX. They stated quite clearly, and it was a topic of conversation for all the passengers near me, that if you apply in flight for the AAdvantage credit card that you will receive ( 2 ) Free Round Trip tickets anywhere in the continental US. Applications were distributed, I filled one out and returned it to the flight attendant. 

Within about two weeks I received the credit card, made purchases and have paid my bill in full each time. However, I never received either frequent flyer miles or vouchers. I contacted XXXX XXXX multiple times by phone and via their website. I was not able to receive an acknowledgement of the underlying issue, nor a resolution. Two reference incidents were created : XXXX XXXXCustomer RelationsXXXX XXXX Ref # XXXX XXXXCustomer RelationsXXXX XXXXYour Reference number to this request : XXXXIn neither case, nor in phone calls made to the airline was a resolution provided. Finally, I publicly posted the issue on line and then received a response acknowledging the issue and direction to call the XXXX Credit Card company for resolution. Upon doing so they were notably more available and responsive, did the research but were unable to address or resolve the issue, nor provide any remedies. 
It is clear now that this a false enticement was made to enter in a credit agreement, I think it is very important that the appropriate authorities are made away and that other consumers can avoid falling for the same credit fraud.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-17 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: AR Resources, Inc.
State: FL

Complaint narrative:
Contacted AR Resources to settle debt. Was told if I pay the {$2500.00} debt they would delete all accounts from my credit report. Called back to ask when they would be sending the letter to the credit bureaus, I was told that in order to get it deleted I would have to pay {$1300.00} after I just paid {$2500.00} on XXXX XXXX, 2017. Called back to get a itemized statement of all the medical collections on XXXX XXXX, 2017 and they told me I now owe {$1900.00}. There are XXXX accounts that I paid and they are giving me a different amount every time I call. I would just like to get these deleted from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-29 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
A few years ago I was heavily solicited by a Wells Fargo mortgage consultant, XXXX XXXX, to refinance a rental property I own in XXXX. I explained to her on several occasions that I had no interest due to the changes in mortgage insurance ( 1.2 to 1.55 % for the life of the loan vs XXXX until the loan reached XXXX loan to value ). She continued to aggressively pursue me stating that I can do a streamline FHA and not change my MI. Stating, " There are a lot of people who are n't familiar with this guideline since there is very few people fit the criteria. '' On multiple occasions I explained to her that I do n't like surprises and to fully disclose. She specifically told me that there were no gotchas and once I reached XXXX loan to value I could call Wells Fargo and drop the mortgage insurance. 

A couple months ago I reached out to Wells Fargo to drop the MI and they told me that when I refinanced my loan that the time period in which I would be required to keep mortgage insurance was extended by 5 years. Thus, costing me XXXX of dollars. I have been fighting with them for months and they are unwilling to help until I threatened to contact you, CFPB. 

Here is my complaint:1 ) Had they fully disclosed the timeframe in which I had to keep MI I would have been able to make more informed decision. Likely would have written a check to get the loan to XXXX to prevent this or forgo the loan entirely. 

2 ) My original loan was with Wells Fargo and my refinance was also with Wells Fargo and mortgages are a very complicated financial instrument. How can we allow firms like this to do predatory soliciting that is n't in the best interest of the consumer especially post 2008? The mortgage consultant had access to my old mortgage and knowingly convinced me to refinance even though it was n't in my best interest - thats should be fraud. 

I have email that I have kept regarding this conversation with the Wells Fargo 's, XXXX XXXX, if needed.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-28 00:00:00
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: U.S. BANCORP
State: WA

Complaint narrative:
My US BANK debit and credit cards were stolen from XXXX XXXX XXXX in XXXX, WA on XXXX/XXXX/15. I reported the theft immediately, but there was already {$1000.00} of fraudulent charges on the debit card. The cards were cancelled, but the account was still driven into the red ( there was only about {$37.00} in the account to begin with. No one at the bank has been able to explain how the thieves withdrew so far over the limit ). I submitted a fraud claim to US BANK to be refunded the stolen money. I did n't hear anything until yesterday when I received a letter stating that my claim had been denied and I was responsible for the stolen money. The letter said that if I had questions I could call and speak to a Fraud Prevention Representative XXXX a day, 7 days a week. This has NOT been the case. I 've been on the phone for 2 days trying to speak to a fraud representative -- they have NEVER been available. I 've been told my several people at US BANK that Fraud Representatives did not take phone calls and they 're unreachable. I was promised by a supervisor that a supervisor with the power to change the ruling would call me back by this afternoon ( XXXX on XXXX/XXXX/15 ) but that did not happen. In fact, when I called back at XXXX to catch someone before they left I was told that no one could help and that I was responsible for the charges. Meanwhile, I 've been called twice ( so far ) by US BANK collections demanding to know when I was going to pay the overdrafted account. I told them that the account was robbed and that I was waiting to hear from the fraud department. That did n't matter, they called back asking for the money.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-08-22 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I am protesting credit scoring in our financial system. I choose not to have a current credit card, but I have had several mortgages and other types of loans. I have always made payments on time, and I have paid all of my loans in full. I have never declared bankruptcy or had any type of collections or delinquencies. Inquiries about my credit score have only been done when I was securing a loan or a mortgage. I have worked for the same company for 29 years. Even with this perfect credit history, my scores are XXXX, XXXX, & XXXX. The mortgage companies are now requiring a score of XXXX to obtain the best rates. I barely qualify. This practice is unjust. The factors used actually encourage indebtedness. 

My wife has higher credit scores, but she has never worked full-time. Her scores are based on mortgages and loans which her ex-husband paid. She has a credit card, but I pay the balance every month. Fortunately, her credit score helps me, but the whole system is a sham. It needs to be revised.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-16 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I get a message that Equifax is unable to deliver my credit report on line. I have used the same e-mail address for 20 years. This began 3 years ago. I do not want to mail in my request. When I call, I give the VERY SAME information I in-put on the computer. I believe I am being denied my legal right to receive my credit report on-line after submitting the proper information required. I am very unhappy with Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-29 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Reliable Credit Association, Inc.
State: OR

Complaint narrative:
XX/XX/2015 I wanted to purchase a vehicle but unfortunately my credit was n't sufficient for a " regular loan '' which landed me with a high interest rate finance company ( Reliabe Credit Association ). From XX/XX/2015 until present date my experience has been pure angony. My account is current and never missed a payment. However, when I call regards to my account one manager in particular ( XXXX ) has a derogatory disposition and use abusive language. When I ask to speak with his supervisor he said " I 'm in charge ''! At this point I 'm considering returning the vehicle just to avoid future problems.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-31 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC
State: MT

Complaint narrative:
XXXX XXXX XXXX sold my second mortgage to Green Tree/Ditech financial while I was applying for a mortgage modification. Thus I was unable to have my second mortgage reduced or eliminated under Federal guidelines. Ditech, knowing this was the case has refused to negotiate in good faith.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-05 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: U.S. BANCORP

Complaint narrative:
I am an American citizen living abroad. US Bank unilaterally closed my account and sent me a regular letter dated XXXX/XXXX/2016 that arrived in XXXX after the date of closure XXXX/XXXX/2016. I was told that the account was closed because my primary residence was outside the XXXX. No provision was made for outstanding credit card payments or loan repayments. The bank check of my funds could not be mailed outside the US. They refused to reinstate the account until another solution could be found or other arrangements be made for the payments coming out of the account. At no time was my account in overdraft. They accepted an online check deposit 2 weeks earlier. They had my email and phone but made no attempt to contact me earlier.

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 2015-09-06 00:00:00
Product: Credit card — 
Issue: Transaction issue — 
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
Back in XXXX this year, I scheduled a payment with Citi Card Online banking and on the due date my payment was not taken out by the system and all of a sudden I am immersed in credit card debt, with over the limit fees and interest over the balance and I am not willing to pay. They are ruining my credit. I have another credit card with them in good standing and before this system glitch, I was paying these credit cards. The only other time I had fallen behind payments, was for the same reason, but Citi Card will tell you there 's nothing wrong with their system. But the reality is you ca n't schedule payments to be taken with two weeks in advance, because the system wo n't work. They are ruining my credit and I do n't know what else to do. XXXX, you are my only hope. I have no money to hire a lawyer or take legal action.They are denying this to their teeth without conducting an investigation and checking their own online system.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: NV

Complaint narrative:
XXXX. The owner has been trying to get Ditech to pay us so we can get started but can not get them to release the funds they have in escrow from the insurance company. The owners have given me authorization to speak with the mortgage company on their behalf. The autho letter was sent last week along with me faxing it today. They tell me it will take up to a week before they can speak with me. The owner has been waiting for them to pecessour first draw for well over 2 months now. They have the money but keep adding to the requirements to get it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation