vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-07-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Seterus, Inc.
State: CA

Complaint narrative:
I am XXXX years old and trying to modify my loan., Im on XXXX XXXX XXXX XXXX, XXXX XXXX surviver .. and Saterios loans is trying to trick me into a 40 year loan and says there is n other options., my house is worth XXXX XXXX 3 bd 2 bth in XXXX XXXX XXXX Ca I owe XXXX on the loan with 12 years left., Im having trouble makeing ends meet., = paying bills and Seteriors is trying to XXXX me with a bad loan offer..

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-02 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Capital Accounts, LLC
State: NC

Complaint narrative:
Shared information about a past due debt with my daughter. after they shared the information she told them I was not there them they asked her why she answered the phone. to start with they have invaded my privacy with sharing my information with a member of my household. 
have asked them before not to call my home as I am not paying this bill.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
XXXX XXXX XXXX company is reporting the same account on my credit reports and increasing my debts owed falsely. It was removed once and reinserted without any type of letter or information mailed to me stating so. Incorrect information can not be lawfully reported. The information is incorrect, the amount is incorrect, the information listed does not match my name or address. I have disputed it with the credit bureau repeatedly to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
On XX/XX/2018, credit card payment of {$8000.00} was made and it was posted on Barclays credit card on XX/XX/2018. 

On XX/XX/2018 ( same day ), Barclays Card decreased credit limit to {$6900.00} ( decreased for the amount of the {$8000.00} payment made and posted ) without any notification to customer ( myself ). This is abusive business practice as a registered financial institution. 

On XX/XX/2018, I called customer service, spoke to customer service representative name XXXX ( ID # : XXXX / XXXX XXXX office ) and confirmed that there's no letter/notification went out to customer. ( XXXX ) Barclays credit card is in standing, always was, never made late payment.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: WA

Complaint narrative:
Am an american express membership rewards member. Upon attempting to transfer points to XXXX XXXX  on saturday XX/XX/2018, the following message was received : " This action will not be completed at this time because your account is currently being reviewed to make sure all eligible purchases meet qualifying criteria. '' Called customer service same day, which did not resolve the issue. Could not give a time frame of resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Fidelity National Information Services, Inc. (FNIS)
State: CA

Complaint narrative:
I requested a Chexsystems report because I've been declined several times when trying to open an account with different financial institutions. I don't understand why my account is in Chexsystems when I paid off ( {$260.00} ) the XXXX XXXX XXXX   claim XX/XX/XXXX and the XXXX claim was closed XX/XX/XXXX also I don't even recall this debt. But if it takes me to pay the questionable ( {$110.00} ) to get out of XXXX I'll pay it. But what happens next, is the any other steps for me to take?, or will this release me from your system? If you release me how long is it before all the financial institutions are made aware so I can open accounts? Please help? 

Both institutions advised me it's our off their hands, and there's nothing they can do to help 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 2018-08-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: DISCOVER BANK
State: CA

Complaint narrative:
I began an application process for a Discover it chrome Secured Credit Card on XX/XX/XXXX. However, I never completed the process. They requested that I verify my information by providing a copy of my Social Security Card as well as other documents. I never provided these documents, and received multiple email notifications ( on XX/XX/XXXX, XXXX, XXXX, and XXXX ) stating that " Failure to verify the information above will result in a decline of your application. '' I had decided that I did NOT want to open this credit card, and thus chose not to provide the specified information. I trusted they were telling the truth in their repeated emails, and that my application would be denied. 

However, on XX/XX/XXXX, I received another email from Discover stating that my application had been approved, and they would be withdrawing a {$200.00} security deposit from my bank account. On XX/XX/XXXX I contacted the customer service phone number provided in the email. I told them that I did NOT want to open a card, had NOT completed the application, and had been told via email that my application would be declined. However, they refused to cancel the withdrawal request to my bank. 

XXXX lied when they said my application would be denied, and continued to process my application without my consent. This is deceitful, and is unacceptable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NCC Business Services, Inc.
State: MI

Complaint narrative:
Currently, NCC Business Services of XXXX, FL is reporting twice on my credit report for {$740.00} and {$500.00} to all 3 credit bureaus since XX/XX/XXXX. NCC Business Services is  collecting on behalf of XXXX XXXX XXXX in XXXX, MI. I have been disputing the information as inaccurate since it was first placed on my credit. I lived at XXXX XXXX Apartments from XX/XX/XXXX - XX/XX/XXXX. I moved in XX/XX/XXXX, on an agreement with the property manager that I would be let out of my lease with an intent to surrender notice. At that time, I owed NO money to XXXX XXXX XXXX. Prior to me moving out, I had a court settlement with XXXX XXXX. The court ordered me to pay all of the money I owed minus the erroneous fees that they charged or I would be evicted. I was ordered to pay XXXX XXXX in full for the back rent I owed and XXXX, in full by XX/XX/XXXX or I would be evicted. There was money that I also placed in Escrow with XXXX County 8th district court until a settlement had been reached. I moved out of XXXX XXXX XX/XX/XXXX with a {$0.00} balance. {$0.00} minus the late fees and including the money that would have been payed to them out of the Escrow account. I have a ledger to prove the payments I made as well. In XX/XX/XXXX and XX/XX/XXXX, I reached out to XXXX XXXX XXXX by phone to see what exactly the details of these amounts were. I was asked to put together a dispute and send it to them via email and they would investigate it. I composed a dispute to XXXX XXXX XXXX via email, including a ledger and documentation from the courts to prove that I owed no money to this landlord. I asked for NCC or XXXX XXXX to produce an updated ledger through XX/XX/XXXX. I provided my record with XXXX XXXX district court to show that they mailed the money from Escrow as well. XXXX XXXX is aware that money was being mailed to them from the Escrow account because it was determined in court. I also provided the court documents to NCC Business Services as well. NCC Business Services told me back in XX/XX/XXXX that they would send over my response to XXXX XXXX and follow-up with me within 2 weeks. It is now XX/XX/XXXX and I have not received a response from NCC Business Services or XXXX XXXX and the inaccurate information is still being reported on my credit. This inaccurate has kept me from being approved for apartments because it seems as if I left owing a balance which is false. It is unfair for a company to say I owe them money and send it to a collection agency to retrieve the money but have no proof of how I owe the money or where the amounts came from specifically. They also can not prove that I damaged the property in any way. It is unfair to me that my credit is suffering for inaccurate information and there's nothing that I can do to rectify the situation. I refuse to pay money that I do not owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-12 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CURO Intermediate Holdings
State: TX

Complaint narrative:
Your continuous calls and such conduct has caused me to suffer severe humiliation, embarrassment, emotional distress and physical discomfort. Please take note that any unsolicited calls will be reported as a violation of 15 USC 1692c of the Fair Debt Collection Practices Act for debt harassment and unfair collection efforts in the attempt of collecting said debt. I am being caused mental anguish because of these unfair debt collection practices. I will be seeking and filing mental anguish and economic damages due to these deceptive trade practices. I will seek financial relief and any further contact will be recorded. Please refrain from the abuse or I will continue to file complaints and contact others that have had similar experiences to start a rally against your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: NY

Complaint narrative:
On XX/XX/2018, my student loan service provider ( XXXX f/k/a XXXX XXXX XXXX ) for the past 10+ years, transferred my loan to a new service provider ( Nelnet ) without my permission ; and the interest rate is wrong.

I have placed numerous calls and have sent numerous emails to both Nelnet and XXXX to rectify the problem, to no avail. In fact, XXXX placed a call to Nelnet explaining that lender incentives of 1.375 % interest rate reduction ( see attached ) was supposed to be applied against the 8 % Nelnet is reflecting ( to properly state my rate at 6.625 % ). Despite all my communication efforts, Nelnet has not corrected their error.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
We've been trying to modify our loan with Wells Fargo. They have put up many obstacles to avoid the modification and have refused to use our proper income. Well Fargo recently sent a legal letter threatening foreclosure. This goes against the Foreclosure regulation that guards against dual tracking. This is a state and federal offense. 
Wells Fargo has refused to extend the term of the loan saying the investor would not allow it. 

Recently we found out that this was originally a XXXX loan that Wells Fargo acquired. The original loan was subject to a California class action lawsuit requiring modification. Many in the class have been modified. It is incumbent upon Wells Fargo that they modify the loan including extending the term of the loan. 

We have made many demainds to Wells Fargo to produce documents which they have failed to do. We have asked for the loan and securitization documents without getting any results. 

I am a XXXX XXXX XXXX veteran and my wife and I are asking for help with this predatory loan

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-02 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
Navient purchased my loan from Sallie Mae several years ago. During that time, they delayed, through forbearance, my payments which ultimately came due in early XX/XX/2017. I've made payments since then, but at times, have struggled to make the full monthly payment. I've called Navient to ask for additional forbearance, or to reduce my monthly payments temporarily, but have been told no every time. I've called at least 5 times to speak to different account advisers. I am willing to make payments, but can't pay the full balance due each month, and because of the initial forbearance and interest charged, I'm paying each month only the interest balance and the loan balance is staying neutral and exists to this day. The initial balance borrowed was ~ {$13000.00}, and is now over {$18000.00}. I don't know how I'm expected to pay off this loan when Navient continues to charge interest and refuses to help by lowering my monthly payment or allow me additional forbearance time to gain better financial standing. In addition to Navient I have over $ XXXX  in student loan debt, but the other providers ( XXXX ) have been willing to work with me - Navient has not.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
On XX/XX/2018 I was alerted by my XXXX XXXX fraud alert that Capital One requested my credit report without my consent or knowledge. 

I sent Capital One a validation letter under FRCA section 609.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
In XX/XX/2018 I ordered a product from merchant ( XXXX ) in the amount of {$230.00} via XXXX which is attached to my debit card from Chase. A week had gone past and I never received my item. I contacted the merchant numerous times where they wouldnt give me answers. I then contacted my bank ( chase ) to start a claim as I never received my product. They said they would take care of me and issued me a credit. I have never received my product. On XX/XX/XXXX There was a claim reversal. I contact chase on XX/XX/XXXX to discuss the issue because I shouldnt be responsible for an item I never received. I spoke with XXXX in claims who stated that the tracking number shows its delivery and I there is nothing I can do. I ask for a supervisor for which he places me on a long hold and then tells me they dont have supervisors. I said that is absurd and requested one again. He came back after another long hold and informs me that they do t have any available. He says I need to take this up with the merchant. I plead as I do not want to be out of the money for something I didnt receive. I contact the merchant and ask for help and they inform me there is nothing they can do now that it is almost 4 months later.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-07-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: PENTAGON FEDERAL CREDIT UNION
State: CA

Complaint narrative:
I applied and was approved for the PenFed Pathfinder Credit Card. The benefit includes a {$100.00} per year credit when using the card for baggage fees or in flight expenses ( food, drinks etc ). 

On XX/XX/XXXX, i used the card for a {$3.00} expense - transaction # XXXX XXXX XXXX XXXX XXXX  XXXX TX On XX/XX/XXXX, i used the card for a {$26.00} expense - transaction # XXXX XXXX XXXX XXXX XXXX XXXX TX On XX/XX/XXXX, I used the card for a {$14.00} transaction # XXXX, {$35.00} transaction # XXXX & {$16.00} transaction # XXXX XXXX XXXX XXXX XXXX XXXX TX The total above comes out to {$94.00}. I was told i would receive the credit as soon as an eligible transaction is made. I have not received ANY of the 5 credits mention above. In fact, I WAS TOLD that i had to pay the {$15.00} minimum payment due on XX/XX/XXXX. I even was charged interest on the balance because the bank DID not credit my account as it should had been. This bank is not issuing credit on-time and taking advantage of customers by leaving the balance and earning interest when the statement closes. I made the {$15.00} dollar payment and was charge {$1.00} in interest on a balance that should had never been there. 

The only credit issued so far was the XXXX XXXX of {$100.00}, and that was credited about 4 days after use.

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 2018-07-02 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CMRE Financial Services, Inc.
State: CA

Complaint narrative:
In XX/XX/XXXX this year I made payment arrangements with CMRE Financial Services to pay off medical debt. They told me as long as I made payments they would not report the collection to the credit bureaus. The payment amount we agreed on was {$150.00}. In XX/XX/XXXX I made a payment of {$500.00} to payoff the debt faster. CMRE still reported the debt to the credit bureaus at the end of XX/XX/2018. 

This is a breach of agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First Credit Services Inc.
State: GA

Complaint narrative:
To whom it may concern : I am filing a complaint against XXXX XXXX XXXX, in XXXX, New Jersey a collection agency that works for XXXX XXXX XXXX XXXX in XXXX GA. I've sent out several letters disputing this debt of {$83.00} inwhich I will upload for review ... 1st letter sent by certified mail on XX/XX/XXXX, 2nd Letter on XX/XX/XXXX and third letter on XX/XX/XXXX. After several attempts they responded with a letter asking for payment and a billing spreadsheet. This billing sheet shows my billing cycle which was from the XXXX to the XXXX of each month. I contacted XXXX XXXX XXXX requesting information on how to cancel the membership on XXXX XXXX and they responded back on XX/XX/XXXX on how to start the cancelation process. I sent the 30 day notice on XX/XX/XXXX and recieved a response as recieved on XX/XX/XXXX. All of these documents are included within this complaint file ..., This debt of {$83.00} is XXXX XXXX XXXX   overcharging me for months of services after I cancelled the account. I had a XXXX  balance when I canceled the account, as it states that in the letter as a requirement from them for me to be able to cancel membership before or on the billing date. They have begrudgently ingnored my letters sent ... they have broken several Federal Credit Reporting laws such as the FCRA and the FDCPA. 
XXXX XXXX XXXX and XXXX XXXX XXXX has caused me financial and Mental harm, by reporting this negative information with the credit bureaus, causing me to pay a higher interest rate for credit, Car Insurances, Store Credit, etc ... I have been denied becuase of my scores dropping due to there illegal practices. When reviewing the billing spreadsheets, you can see that we stopped payment on XX/XX/XXXX after I canceled the account, but they continued charging me. Our monthly billing was {$15.00} per month paid in advance for each month. There was no balance at the time we cancelled the account and we did within the guidel lines they submitted to me. 

I want them to remove this derogatory information from my Credit file immeadiately pertaining to this XXXX XXXX XXXX/XXXX XXXX XXXXs account. 


Kindest Regards,

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
On XX/XX/XXXX a fraudulent collection account Ive never heard of was placed on my Transunion credit report causing a 58 point loss. I disputed this account with Transunion as well as filed a complaint with the Consumer Financial Protection Bureau. On XX/XX/XXXX the account was removed from my credit report. On XX/XX/XXXX the exact same account was reinserted on my Transunion credit report resulting in a 58 point loss to my credit score. I never received notification by law from Transunion that they were reinserting this fraudulent account. Now my score has suffered further. They are required by law to notify within five days but I NEVER received notification. This is causing me distress all over again.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
On numerous occasions I have disputed the validity of the credit bureau reporting a bankruptcy on my credit file. I have asked the agency to verify the debt and show proof of verification. They have repeatedly sent letters saying debt is valid has been verified and now as duplicative and refusing to further investigate I have contacted my county clerk and they have no record of anyone calling and verifying the accuracy of the information reported which is actually inaccurate and incorrect.

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