vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-06-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: OK

Complaint narrative:
My name is XXXX, my loans were generated under XXXX XXXX XXXX. When I consolidated them on XX/XX/XXXX, the loan amount was {$33000.00} this was done under XXXX XXXX. My daughter graduated in XX/XX/XXXX and the amount jumped to {$48000.00}, the date shows it to be XX/XX/XXXX. Then again in XX/XX/XXXX the amount jumped to {$61000.00}. This consolidation eventually went from XXXX XXXX to XXXX and on XX/XX/XXXX the amount had jumped to {$77000.00}. I understand adding the interest in, however during this time I was making payments. I did forbearance a few times. The loan is now being serviced by XXXX. It shows on the federal website that it is still under XXXX. I feel as thought they pressured me into forbearance at different times. However, the interest should only have been XXXX, XXXX and XXXX respectively. XXXX told me I am enrolled on an ICR,  however my payment is {$0.00}. I don't understand why I owe this much and how the loan jumped XXXX, XXXX and then XXXX. The math does not make sense. Also, I am not sure XXXX, XXXX or XXXX XXXX are reputable companies. I feel I have been cheated and I really want to pay this off. If you look at my records, the school loans for myself in XX/XX/XXXX have all been paid. How do I know I have been treated fairly? What legal recourse do I have for the school, XXXX XXXX for taking my co-sign signatures on at least 50 % of these loans and removing my daughter as this is her debt. 

Thank you for any help. 

my e-mail is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-08 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Reverse Mortgage Solutions, Inc.
State: MD

Complaint narrative:
My wife applied for and received a reverse mortgage in XX/XX/XXXX and diedXX/XX/XXXX. I then tried to get " non-borrowing spouse '' status with the reverse mortgage company so that I can remain in the home that my wife and I occupied but the reverse mortgage company denied me. They first requested documents from me that they should have had like the insurance declaration page ( I sent that to them 5 times ) and then they asked for a Tolling agreement which I provided. They then said I need to make repairs to my home ( some of which were unfounded repairs ) and then they said they did an appraisal and the appraiser noted repairs inside my home but I had never met with an appraiser who would have had the opportunity to enter my home. They are now saying that I need to sell the home or take a deed in lieu. I have been treated unfairly by this company ( Reverse Mortgage Solutions , Inc. ) and I feel that they are denying me without just cause

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I researched credit cards which offer no-fee balance transfers, with an introductory no-interest period of time. I found several choices, and I have the credit and income to be selective. I decided on American Express and applied for and received the Amex Everyday Card, with a credit limit of {$25000.00}. After I received the card and set up my online account, I attempted to transfer a balance from another credit card, but I was prevented from doing so. I was told that there is a " balance transfer limit '' of {$7500.00}, in spite of the fact that my credit limit is {$25000.00}. I was aware of this, so I called and spoke to a representative. I was told this can not be changed. I asked where this information appears in the application process, and I was told it is in the " terms and conditions '' somewhere. I explained that I would not have opened the account had I known this. It is absolutely not clear in the application process. It may be there somewhere in some way, I assume it is now that this problem has arisen, but the application process is clearly designed to effectively hide the separate " balance transfer limit '' from the consumer, which is less than 1/3rd of the " credit limit '' and which can not be changed under any circumstances whatsoever.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-08 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Big Picture Loans, LLC
State: SC

Complaint narrative:
In XX/XX/2018 I opened a loan for {$720.00} online. It wasn't until I started receiving emails with the next payment due date that I noticed the principal never went down. I waited to look into it because I assumed it was an interest before principal issues and thought it would begin to show a change after a few payments. I tried to call and speak to someone and they can never seem to hear me or just hang up. I have since sent an email and the response is automated and states they will get in touch with me in the order that it was received. I haven't missed a payment but after looking at loan agreement I see that I am paying 698 % interest. Is this legal? I have already paid the original XXXX $ back almost 3 times now. By the end of the loan, I will have paid well over 3000 . Is there anything I can do since I signed the electronic document?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-08 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: Commonwealth Financial Systems, Inc.
State: GA

Complaint narrative:
I began disputing the Commonwealth Financial entry on that is reflected on my credit report in XX/XX/. I retrieved a copy of my credit report on XX/XX/XXXX and noticed that they had placed an entry on my reports that was inaccurate, unverifiable and erroneous. The bureaus responded by stating the account was verified. To that end, I submitted a letter to Commonwealth as recent as XX/XX/XXXX. This letter was sent certified with a return receipt. To date, I have not received any correspondence from this company. 

This baffles me as to how the credit bureaus were able to verify the information yet the company has not responded to my request? Further, Commonwealth placed this entry on my report without sending me a dunning letter informing me that they were attempting to collect a debt. Hence, did not allow me the opportunity to dispute the validity of their claim. Further violating my consumer rights. Too, I have never did any business with this company, never heard of them, nor have I signed any contracts with them. 

DELETE THIS ERRONEOUS, UNVERIFIABLE, INACCURATE ENTRY FROM MY CREDIT REPORTS.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-08 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: IN

Complaint narrative:
I received an alert on my XXXX XXXX account that there had been a change on my credit report, I logged into my XXXX account to review. On XX/XX/XXXX XXXX ran an inquiry on my credit. I contacted XXXX XXXX and was told I had to contact XXXX ( XXXX XXXX XXXX XXXX XXXX SD XXXX ) .to find out why they ran the inquiry and to have it removed from my credit report. 

I talked to 4 different people there including a supervisor none of which could tell me why the inquiry was done. I have not applied for any new credit or for a credit increase. To my knowledge it is illegal to run an inquiry without my consent, In these days of identity thief XXXX an very concerned about this.XXXX also told me that they could not remove this from my credit report since I did not have an account with them. Then how and why did they run an inquiry,

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 2018-06-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
I HAD AN OLD ACCOUNT FROM XXXX ABOUT 18 YEARS AGO WITH WENT INTO NEGATIVE STATUS DUE TO DISPUTE ITEMS. THEN I WAS SUED BY AN ATTORNEY NAME XXXX XXXX XXXX XXXX XXXX XXXX REPRESENTING XXXX XXXX XXXX INTO CIVIL COURT. WITHOUT ANY NOTICE I RECIEVED A DEFAULT JUDGEMENT AROUND 2006 THEN I WAS FORCED TO START PAYING AN INSTALMENT WHICH I COULD NOT AFFORD, THEN A FEW YEARS LATER I RECIEVED A LETTER FROM XXXX XXXX XXXX TELLING ME TO DISREGARDS ANY CORRESPONDENCE IN THIS CASE REGARING THE OLD DEBT. NOW AFTER 10 YEARS I AM SUED AGAIN BY THIS SAME ATTORNEY AT CIVIL COURT WHICH IS NOW IN PROGRESS, I FEEL THAT THIS ATTORNEY IS TRYING TO RIP ME OFF ALSO I THINK HE HAS SOME CONNCTION WITH THIS COURT MARSHAL NAME XXXX XXXX XXXX XXXX OF NEW YORK XXXX XXXX I FEEL THEY ARE WORKING TOGETHER TO RIP OFF INNOCENT PEOPLE. WOULD GREATLY APPRECIATE IF THERE IS ANY ONE OUT THERE WHO ABLE TO HELP ME WITH THIS MATTER. THANK YOU. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-08 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
On XX/XX/2018 I was dealing with a seller from XXXX and transferred my funds to him though XXXX and as soon as I sent the money I immediately lost contact with the seller And my bank that Ive been with for 15 years said sorry theres nothing they can do Please help me

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-08 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: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
I had a Dispute with XXXX XXXX XXXX XXXX, which took almost 5 months to resolve. After sending numerous dispute letters to the company, they finally credited back the amount of the item that was purchased, that was never recieved. The company never resolved it, until i filed a CFPB complaint to get it resovle. 

Complaint number : XXXX Date submitted to CFPB : XX/XX/2018 Date sent to company : XX/XX/2018 Product : Credit card or prepaid card Issue : Problem with a purchase shown on your statement During this 5 months process, my account incurreced Fee 's each month, finance fee 's, which isn't allowed while my dispute in being handled. This company is not following FCRA guidelines in regards to my dispute. Also they are failing to even investigate the dispute with due diligence causing these fee 's. So, after they finally removed all charges that were under dispute, XXXX XXXX XXXX XXXX   left the Finance charges and then have reported it negatively to my Credit reports. This isn't correct. I've attached all dispute letters in reference to this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-08 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: VA

Complaint narrative:
I initiated a transaction online using MoneyGram. The Transaction was declined and online profile closed. Customer Support refused to explain why account was closed and transaction cancelled. Every month I send money to family and friends in XXXX, XXXX XXXX XXXX XXXX, XXXX. 

Kindly assist with getting an explanation. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-08 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: IL

Complaint narrative:
I can not recall dates and amounts. However, Sally Mae and then Navient historically have only offered me forbearance and not income based repayment options to the point that I no longer have forbearance left in my agreement. 

This has set up a situation where in when I have financial difficulties Navient threatens my cosigner and tries to have me pay an amount I am never able to afford. I recently have dealt with a five month stint of being unemployed. Navient would only accept payments of close to {$350.00} a month out of my {$1800.00} a month unemployment payment, which I could not afford if I wanted to have a place to live or eat ( I was not eligible for SNAP ). 

In this time they insisted on pushing to get information about my cosigner ( my mother ) they are not legally entitled to in order to try and force me or my mother into making payments we can not. My mother is on a retirement XXXX social security fixed income. 

Further more, when I signed both initial loan agreements I was told that if I made 2 years of uninterrupted payments I would be able to remove my cosigner. When I met that obligation and contacted Navient ( Sally Mae, at the time ) the denied that was ever part of the agreement and dismissed my request. 

I am now at a point with these loans that I now owe more than I did upon my graduation from graduate school due to the interest accrued from the multiple forbearances I was manipulated into taking because of national economy issues related unemployment. 

At the time of filing this complaint I am XXXX years old. I graduated XXXX years ago. I have at least 25 years to pay on a loan that is now structured with interest in a way that I can not practically pay down the accruing interest and pay the debt off. 

What was sold to me as a loan solution has become a burden I will likely carry to my grave because the condition of the loans are as such that I will likely never make enough money annually to pay it off and the plausibility of me saving money because of the interference of this loan is impractical. 

On top of all of this, the stress from dealing with this loan in particular, has aggravated my diagnosed XXXX XXXX XXXX to the point that I am now on the maximum safe dosage of XXXX ( XXXX ) and the diagnosed XXXX XXXX XXXX is wirsenuing every day. Even as I am typing this I am fighting to prevent an anxiety attack because I am actively thinking about the Navient loans and the ruin they have brought on my life. 

Naveint ( formerly Sally Mae ) has quite literally ruined my day to day life, made the prospect of late life destitution inevitable, and has caused and is causing me significan health effecting psychological issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
For background, I had an Amex Platinum until XX/XX/XXXX, but canceled it due to several poor customer service experiences with Amex. 

In XX/XX/XXXX, I read an article announcing that Amex was doing a targeted offer for XXXX bonus points via XXXX XXXX CardMatch program. I've been considering trying the card again, but I assumed I'd be ineligible since I already had an Amex Platinum. 

I decided to give it a chance though and, to my surprise, was matched to the XXXX bonus point offer. I still thought it might disappear when I went over to Amex to apply officially, but nothing indicated that I wasn't eligible for that offer, so I officially apply and am approved for the card. 

3 months later, I've put well over the required $ XXXX min spend on the card, plus paid the {$550.00} annual fee, but still haven't received the bonus points. I reached out to customer service about this, and they tell me that I'm ineligible for the bonus because of my previous card and that I should have noticed that in the fine print ( even though everything on the page I applied through made it appear like I was still getting the XXXX bonus offer ). 

I'm extremely disappointed about this. I would not have reactivated my Amex card without that bonus, nor would I have paid the annual fee, nor would I have spent several thousand dollars on the card. I feel like they've run a bait and switch on me by burying the fact I wasn't qualified in the terms and conditions somewhere while still making it look like I was qualified throughout the application process.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I check my account before and after every purchase using their mobile banking app, to ensure i do not incur any NSF or overdraft fee. I do this because i live on a budget and try not to incur extra fees. But i keep getting hit with fees. and when i check my account to see what the fee was assessed for, my account reflects debits to my account that does not show up until the fee is assessed. 

On XX/XX/XXXX, I checked my account. The app showed me an available balance of about {$91.00}. On XX/XX/XXXX, my available balance is about {$36.00}. A difference of about {$52.00}. I don't see any new transactions. Its a joint account so i wait a day for the charges to show up on the app.. Meanwhile I send for and XXXX deducting a total of {$24.00} for the available balance of {$36.00} leaving mt roughly about {$12.00}. On XX/XX/XXXX more debits show up, not equaling the total difference but my available balance stated {$9.00}. I use my card and spend $ ( which should leave me a balance of XXXX cents. On XX/XX/XXXX, I check my account at # XXXX XXXX, I review my transactions, checking to see the amount of my payroll despots so that i may pay my tithes at church. I pay my tithes of {$75.00} dollars at about XXXX XXXX. Later that morning my husband make a few purchases, i check his purchased against the account like i always do. The amount of his receipts match the amount of the debit on my account for his purchases. I check my account again at about XXXX XXXX because i have a debit scheduled to come through the next day, and see that I am hit with an NSF fee for {$34.00}. I check my account and it now shows a debit against my account for {$73.00} on XX/XX/XXXX, with the NSF fee assessed on XX/XX/XXXX. Now their systems has been updated to show the debit on XX/XX/XXXX, when I check my account everyday and it didnt show up on my end until after XXXX XXXX on the XXXX. Then it was backdated to XX/XX/XXXX. 

This is a regular occurrence.

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 2018-06-08 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY
State: MS

Complaint narrative:
I fell behind on my XXXX/Wells Fargo Credit Card. I called several times to see what my options were for repayment. I called in XXXX to set up a payment plan, in which I did. I spoke to XXXX and she set me up on a plan for {$100.00} a month until XX/XX/XXXX and then {$38.00} on XX/XX/XXXX. This would pay my bill in full and close my account out.

Recently, I received a notice that my credit report is showing this account as charged off. I have not received ONE piece of mail or ONE phone call to say that this was the case. I called XXXX/Wells Fargo Credit Card on XX/XX/XXXX, I spoke to XXXX, she said that they can at their own discretion at any time " six or seven months '' late and file it as a charge off. She also said the only reason they would remove the charge off status was if it was a bank error. Then, XXXX got on the phone and proceeded to tell me that she has me on a recorded phone call saying that I knew that this was a charge off. This never happened. She said she was going to transfer me to a Executive Office and hung up on me. I have paid all of this bill from the first payment as I said I would. This is ridiculous.

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 2018-06-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: ADVISORS MORTGAGE GROUP, LLC
State: NJ

Complaint narrative:
I called XXXX XXXX based on a recommendation re : a rental property mortgage. I met with XXXX upon request and gave him the documents he asked for and in addition my XXXX XXXX information to review as well. He stated that this is a small loan as he deals with most large loans. He told me he could save me at least {$5000.00} as XXXX adds many unnecessary fees. 
During most of the process I worked with XXXX XXXX.as time was of the essence. 
Prior to closing on XXXX XXXX I called XXXX re : Points charge {$1700.00}. We had previously spoken about NO POINTS, as the change in interest rate would be insignificant. He agreed. He said just close and if I need to send you a check to make it right I will. And proceeded to give me an example of a customer scenerio where he had given a check. 
After the closing I left XXXX a voicemail message. Yet no reply. On XX/XX/XXXX I sent XXXX a follow up email to XXXX. I contacted my attorney who I had made aware of the situation during the closing. XXXX XXXX sent XXXX an email XX/XX/XXXX. XXXX sent a text from XXXX saying he copied me on an email to XXXX. 
XXXX never once mentioned that the {$1700.00} would be put into points without any % age change in interest. How dare he state that it is a benefit to me as I can write it off! Who is he to decide that? XXXX is overly confident in his position, however misleading and deceptive to his advantage only. I had sent a follow up message to XXXX on XX/XX/XXXX but still no reply. Extremely poor customer service!!

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