vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-08-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
purchase a bus ticket online around the first week of XX/XX/2018 at XXXX. The ticket was for a family member who intended to travel to California. However, upon arriving at the bus station. My nephew was informed that in order to receive the ticket He would have to provide Identification which he lacked at the time. He inquired about a refund.However, since I made the purchase he was told the refund would be made to the person that purchase such ticket. In such case, I e-mail XXXX but with no luck. Since they fail to reply i decided to contact the credit card company, the one used to complete the online purchase. I filled a dispute and was temporarily issued a credit on XX/XX/2018, which was charged back to my card on XX/XX/2018.According to citi banks they were advised by XXXX that the purchase ticket was non-refundable.However, when my nephew first inquired about a refund there was no mention of the ticket being non-refundable. Instead he was told It would be credited back to the purchasing party. Furthermore, there was no service rendered nor was there any mention of the ticket being non-refundable. Also consider the fact that price I paid for the ticket was at least 30 % higher compared to other bus ticket to California.

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 2018-08-27 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: MA

Complaint narrative:
XXXX Called Navient in regards to an extremely high and rising interest rate. I wanted to know why this rate is so high and what they can do to lower the rate. I have been paying off the loan consistently. I understand the interest rate is variable, but at XXXX   % and rising, how can they realistically expect me to pay this loan off? The principal amount isn't being paid down only the interest. This is stealing, and is an unreasonable rate.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: FL

Complaint narrative:
Company refuses to unblock account. 
This is a dead loan. 
This company illegally bought the dead loan. 
Company continues to notify via mail to ex husband and grown children who no longer live here. 
Harassing daily with phone calls and letters Company needs to quit illegally foreclosing and trying to auction home this is the XXXX time in XXXX  years and judge has found in my favor every time we have been to court. 
I am XXXX and now have a XXXX son. 
Illegally trying to modify and change loan that was already in place.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-27 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC
State: GA

Complaint narrative:
On XX/XX/2018, XX/XX/2018 and XX/XX/2018 I requested that Transworld please verify the debt they said I owe. I sent letters through certified mail on XXXX separate occasions and they were unable to validate or verify the debt they say I owe. I requested that these items be removed from my credit with XXXX and XXXX and they still have not done so. Please see attached supporting documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SUNTRUST BANKS, INC.
State: VA

Complaint narrative:
I have had a mortgage for many years, and the escrow has always been adjusted once a year with either an increase in the escrow or an escrow refund ( depending on taxes ). That escrow rebalance has always been done in XXXX with the new payment in effect as of XX/XX/XXXX. My last re-adjustment was in XX/XX/2018, with an increase in payment for the tax escrow on XX/XX/2018. 

Even though these adjustment are supposed to be once a year, the bank just increased my escrow amount effective XX/XX/XXXX - the second increase in just a couple of months. So I guess this means banks can now increase escrow payments any time they want to?

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 2018-08-27 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Millco Management
State: AL

Complaint narrative:
I RECEIVED AN ALERT FROM XXXX XXXX BECAUSE A COMPANY CALLED XXXX XXXX REPORTED AN ACCOUNT ON MY CREDIT REPORT FROM WHICH THEY PURCHASED A DEBT FROM ANOTHER COLLECTION COMPANY NAME XXXX XXXX XXXX XXXX XXXXXXXX XXXX.I DID NOT RECEIVE MY RIGHT TO DISPUTE THIS DEBT AND I HAVE NOT EVER HEARD OF THIS COMPANY BECAUSE I HAVE NOT DONE BUSINESS WITH THIS COMPANY AND THEY IS IN VIOLATION OF THE FDCPA AND NEED TO REMOVE THIS INACCURATE INFORMATION FROM MY CREDIT REPORT.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
Hello, I am requesting that Chase 1 ). remove all credit marks from my account and update all three credit bureaus and 2 )  remove all late charges accrued on the account and 3 ) make an exception and grant me an extension for my XXXX or XXXX payment to assist me with getting my loan back on track. Here 's why : My loan payments have been running slightly behind due to being laid off of work at various times during the year. As a result my account has accrued late charges. When I call into Chase to discuss my account and make payment arrangements I am always advised of the total amount due which include late charges. On multiple occasions, the most recent being XX/XX/XXXX my wife and I called in to discuss the account. We were advised of the total amount due for two months including late charges. On this occasion and on the previous call we asked what was the total car payment due. On both occasions the representative told us an amount that included late charges. Because I was laid off I could not afford to pay the late charges and this is why we specifically asked for the amount due for the car payment. It was then that I realized that the representatives had been quoting me the total due including late charges. This is an issue for me because my payments have gone over 30 days late multiple times. One month the car payment due was approximately {$50.00}. Had I known that I would have been able to make the car payment before it went over 30 days past due. This also happened another time. I feel that Chase is misinforming me and being sly in their collection efforts. They are miscommunicating information to me and being sly in their collection efforts. As a result my payments have gone later than they should have. I am requesting that they remove all credit marks from my account. Also due to the inconvenience I would like them to waive late charges from my account. On XX/XX/XXXX or XX/XX/XXXX I spoke with supervisor XXXX XXXX and explained how his representatives had improperly informed me on multiple occasions. I explained that I could have paid the partial car payments that were due to prevent the account from going over 30 days and marking my credit. He said if I were making the payments on time per the contract I wouldnt have to rely on his representatives giving me information. He also said that the credit marks were my own fault and that because I broke my arrangement to pay my account went delinquent. My wife and I talked to him at length and he did nothing but attack us. As a result of this experience I expect Chase to compensate me and forgive all late charges on the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: SYNCHRONY FINANCIAL
State: CT

Complaint narrative:
Gap card sent me an invoice in XX/XX/2017 for about {$100.00} so I sent them a check for the full amount, although only {$25.00} was due. 
They sent me a late notice in XXXX, 2017 with a penalty. I assumed their notice crossed in the mail with my check, so I didn't pay it. They then sent me a late notice in XXXX with another penalty - saying I now owed {$160.00}. I realized they must never have gotten the original payment I made ( we were having mail problems at the time ) so I sent GAP the money with the late payment. They reported a late payment to the credit reporting agencies, as of XX/XX/2017.

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 2018-08-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ONLINE Information Services, Inc.
State: WA

Complaint narrative:
According to my credit reports, Online Collections is claiming that I owe a bill to XXXX XXXX for {$860.00} which is not correct as I have never had an account with XXXX XXXX. I did live with someone whom had an account, but I never gave XXXX XXXX the authorization to add me as a financially responsible party as I paid my rent to another ( which included all utilities ). I also know the person who was financially responsible had filed bankruptcy so I see this as XXXX XXXX & Online Collections attempting to illegally bypass a XXXX debt by trying to go after someone whom was not responsible for the bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: MD

Complaint narrative:
My mortgage company, LoanCare, has failed to pay my property taxes. I have called multiple times since last year. I was told on XXXX different occasions that the issue was resolved. Now there is a tax sale lien on my property. I have attached a letter I am sending them as a last resort that includes all the details.

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 2018-08-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: MI

Complaint narrative:
My issues with Student Loans started aroundXX/XX/XXXX. We began looking for a home to purchase around XX/XX/XXXX and had an official credit report run which came back at about 755, so everything was looking good for purchasing a home. Then around XX/XX/XXXX something weird starting showing up on my credit report, the loans that I had been paying on had been transferred to Navient, which was really strange. ON TOP of that these loans being transferred to Navient showed a duplicate record ( so instead of 6 loans it was showing 12 ) which reduced my credit score down to about 610, and thus drove it lower from there, essentially making it so we could not buy a home. 

I called into Navient for the first time in XX/XX/XXXX, who claimed I did not have any Student Loans being processed/handled by them. 

From there I called back to the Federal Student Loan number who verified that Navient was the one that is now handling my loans. 

It took me 4 months ( XX/XX/XXXX ) before I could get Navient to claim they were the ones now servicing my loans. After that they claimed there was a {$5.00} outstanding charge on my account and that because of this I was showing as " defaulted '' I quickly paid that {$5.00} off to be taken out of default ... ... well now every month I am being charge {$170.00} through my bank which I had never authorized to be drawn from besides that {$5.00} to get me out of default before I could work on a repayment program. 

After discovering that I was being charged this amount I had my Fiancee call on my behalf and they gave her a run around and stated that " I can apply for more deferment time online but because you already went into default once they may not approve it unless we can prove that we can not handle {$170.00} a month '' ; essentially meaning " We XXXX over your deferment because you were just in default and paid {$5.00} to get out of it. '' On top of this the original interest amounts have gone up after being taken control of by Navient, and my credit score has barely improved.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: CT

Complaint narrative:
I have been trying to set up twice monthly payments with Freedom mortgage for 6 weeks. Ive tried online 6 times ( weekly ). Ive called three times. They take my info and say its set up and then call the other person on the loan ( not me ) 3-5 business days later stating it didnt work. I review my routing and account number every time ( 3-4 times ) and its the same issue each time. I can not set up more frequent than monthly payments on the phone and can not set up any payments online. Ive been given 3 different stories from 3 different reps. We tried to refinance also and they ran our credit scores and stated our {$130000.00} annual income ( up {$40000.00} from when we initially purchased ) is insufficient for a refinance and we need to keep paying PMI. When our loan is {$25000.00} less than our original loan. This company is a sham. I get a million different excuses/ and they made me pay one month in advance for the semi monthly which they seemed to have absolutely no problem setting up, but cant take the money that is due.

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 2018-08-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I filed a complaint with the CFPB regarding Amex Served Prepaid Credit Card. I outlined that my identity was stolen and a card was requested in my maiden name. The theft had my SS #, DOB, and other sensitive information. The request was made from an email address that does not belong to me. I contacted Amex Served at ( XXXX ) XXXX where the overseas representatives did not understand the severity of what transpired or handled the identity theft with due diligence. I confirmed my SS #, DOB, etc. and asked to close the account and provide me something in writing that the matter was handled. Since XX/XX/2018, when I called XXXX times and was repeatedly hung up on after asking for confirmation, I never received anything in writing stating the Amex handled the matter. I then submitted a complaint to the CFPB ( CFPB Ref No : XXXX ) and the response I received was alarming! Not only did the Amex agent not address my complaint, they also provided me with the same phone number to close my account after I provide my SS #, DOB, etc.! This is information I provided 6 times on XX/XX/2018, to Amex served while letting them know my identity was stolen! Only to be repeatedly hung up on by overseas representatives! At one point, the representative told me he would send a confirmation to the fake email address where the thief requested a card in my name! Appalling! Not only do they not understand the context of the language they were going to commit additional violations. I want all my calls pulled for pending litigation. The response I received said they could not locate the calls. I do not believe that as each time I called in it said my calls were being recorded.! 
This is my final attempt to have Amex contact me via US representative of legal counsel to address the identity theft. If I do not receive a proper response, I will be seeking legal counsel to pursue any and all legal remedies to correct the actions of American Express Serve for the negligence in handling my identity theft complaint. Please refer to my previous complaint for additional information that occurred during my XXXX phone calls on XX/XX/2018, attempting to have this issue handled. 
I gave birth on XX/XX/2018, and the negligence of Amex has cause me emotion distress during the time I am bonding with my newborn. AGAIN! This is my finally attempt to properly resolve this matter as many FTC violations occurred with regards to identity theft and proper handling of this matter. If I do not receive a call or confirmation in writing by a UNITED STATES representative ( someone in a supervisory capacity or from Amexs legal office ) stating that my identity theft has been address and providing me with the information that was used to open an account in my name ) I WILL SEEK LEGAL ACTION!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-27 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: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
I received a XXXX XXXX alert that this credit inquiry appeared XX/XX/2018. I did not apply for any such credit. Here it is as follows : XXXX XXXX XXXX XXXX DATE Inquiry XXXX XXXX XXXX XX/XX/2018 BUSINESS NAME/ADDRESS BUSINESS TYPE XXXX XXXX XXXX XXXX XXXX XXXX FL N/A This likley happened as a result of my prior employer, XXXX XXXX XXXX XXXX XXXX XXXX, AZ who admittedly jeopardized my personal information as well as up to 300 other employees including leaking my SS # about 3 years ago. I'd also like to file a complaint on them in addition to XXXX as they paid for XXXX for just the first 2 years after admitting to their breach after the fact, but then cancelled this coverage about 4 months ago about the same time I left their employment. Had they not been careless with my personal data INCLUDING SS #, I would not now have thieves trying to apply for credit in my name. I did nothing wrong and Homeowners leaves me with the problem. This was also done to perhaps hundreds of other employees and I'd appreciate your assistance in forcing them to make this right and incur the annual or monthly fees for XXXX protection in perpetuity. I feel this should be pre-paid for my lifetime now as they could go out of business again leaving me holding the bag. Please contact me at either XXXX or XXXX  so I can help with these investigations however you see fit.

Many thanks, XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-27 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
To Whom It may concern, I XXXX and XXXX XXXX, would like to formally complain about my mortgage servicer Select Porfolio Services. I submitted my complete application for mortgage assistance about 3 months. I keep following up and I speak to many people seems that no one knows whats going on. They've been give me the run around transferring me all over the place. Finally today, they told me theres no time to review and that I hand a sale date set for XX/XX/2018. As you can see, I've been bounced around given wrong information not just by rep but by managers. They then said that my case was handled wrong and that he was sorry but that my house will go for sale. I explain that I have a family and that we are going to be in the street but he did show any sympathy towards my situation. I stated to him that I do not want to lose my home that's all we have and that I will be thrown out with my family and no place to stay he he did not care I felt very discriminated at that point. I don't understand why they would ignore my application all this time and they waited to get close to a sale date to tell me they didn't review my application. I ask why is he treating me like that I don't deserve to be treated fair like everyone else its clear to me that you are discriminating me he disconnected the call and left me with words on my mouth. They are not even allowing me to appeal. All I'm asking is a fair review and for my sale date be postponed so they can get a chance to review my package and review my current situation with and to stop discriminating me. If this does not go anywhere I am going to seek legal advice to see if I can sue my mortgage company. I give permission for Consumer Financial protection Bureau to speak on my behalf and get to the bottom of this I am scare to call my own mortgage servicer now.Please, help me I do not want to be thrown out on the street with my family. Yours truly, XXXX and 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 2018-08-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Despite two written requests, Capital One unverified item remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent re-investigation, you stated in writing that you verified that these items are being reported correctly? 
Who verified these accounts? 
You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). 
This is a request of PROOF OF CONTRACT to substantiate your claim. Therefore, youll need to provide me with a CERTIFIED copy of an authenticated original contract with my signature ( an original Consumer Contract with a wet-ink Signature on it, copies of copies are not Validation and by Law are not considered proof ), that you have on file for the account listed. 
Specifically Naming " Capital One '' as an entity entitled to enforce a commercial claim against me. 
This debt is considered to be invalid until I receive proper validation and your office provide proof of claim of the disputed debt. Your offices have 30 days to produce the required documentation in accordance with FTC guidelines.

Company response to consumer: Closed with explanation