vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-04-08 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Accelerated Financial Solutions, LLC
State: FL

Complaint narrative:
On XX/XX/XXXX, I reached out to pay a debt owed ACCELERATED FINANCIA XXXX. After numerous of phone calls I got a supervisor by the name of XXXX XXXX his direct phone line is XXXX. I was able to come to a agreement of XXXX $ for the debt. I requested that he remove off all three credit bureaus. He stated to me as soon as I receive my paid in full letters to do a dispute for removal and their company will remove trade line off my credit. I received notification on XX/XX/XXXX that they updated debt as paid and didn't remove it from my credit. I called accelerated that same day and the reps response was the can no longer assist me because my file is closed. These people blatantly lied to me. I want these trade lines to be removed/deleted from my credit immediately. I did what they requested of me and paid my debt and they did up hold their part of the agreement. They also by law had 5 days to contact me after the debt was put on my credit in early XX/XX/XXXX. I didn't stat to receive phone from them until mid XX/XX/XXXX. This company is breaking laws and deals and I want stand for it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
Hello, I filed a price protection claim and have yet to receive the attestation form. I have followed up 3 times and each time I get the same response that the form was sent and it now will be resent. The claim will be closed in 45 days if they do not receive this form from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I applied for a Chase XXXX XXXX XXXX card online around early XX/XX/XXXX this year. The Chase Bank 's screen stated regarding the annual fee {$0.00} intro annual fee the first year, after that {$95.00}. This is universal for all airline credit cards in the U.S. 
I got my card in the mail on XX/XX/XXXX, and I started using it almost immediately. When I checked my credit card account on line on XX/XX/XXXX, I found the bank charged me {$95.00} on XX/XX/XXXX. I called the XXXX number, spoke with the representative, and was informed that I agreed to the charge on my online application. 
I then went to the local branch office the next day, and was informed by the branch manager there that had I applied thru the branch office, I would not have been charged any annual fee, let alone {$95.00}. Since I applied online, the branch could not help me. 
I am completely horrified by the revelation and the deceptive advertisement done by a big national bank, such as Chase. 
I have 2 questions now for any Chase lawyer to answer for me : 1. How could Chase advertise online for a {$0.00} intro annual fee the first year ( see attachment ), and then charge {$95.00}, citing fine print? 
2. Why are application for credit cards thru bank branches and online so different? Shall we not trust Chase online anymore? It feels like a scam. As a concerned citizen, I want an answer. 
I insist that Chase card cancel the first year annual fee immediately. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-08 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: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
Hello The business card that I was approved for was to have XXXX bonus points credited to me after spending a minimum amount within 3 months. I have received only XXXX points. I have tried to call customer service numerous times and no matter the day or time, the same message is played that the wait time is greater than 10 minutes. I have been on hold longer than 20 minutes with no one picking up.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-04-08 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Medical Data Systems, Inc.
State: GA

Complaint narrative:
Started XX/XX/2016 {$290.00} is the amount this company has in collection. 
Ive reach out to the company back in forward and I dont know what else to do. 
Ive explained to them that they have this collection on my credit report and it is against the law. 
They do not want to tell me what was even preformed or why I never received any letter or anything else about how it was acquired. 
The debt is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: TX

Complaint narrative:
Since XX/XX/2017 I started submitting all requirements for Loan Modification to Select Portfolio Servicing Inc, that they are seemingly trying to modify my loan, at the same time, trying to fail my attempt to avail the government Loan Modification benefits and incentives for homeowners like us. The modification department of Select Portfolio Servicing Inc. is working on a modification for us. I complied already with all their requirements. While the modification was pending, I was advised that I needed again to send additional documents within 7 months for the modification to be approved ; they always said that it is still in the underwriter for review. I still kept on sending documents at this point with the hope that they will process my Loan Modifications. I always communicated Select Portfolio Servicing regarding the status of my Loan Modification processing and they kept on denying my Loan Modification request in which means that they are not abiding under the HAMP Program, so we can stay in our home and exercise our rights for Federal Housing Affordable Loan Modification. We are requesting their approval for remedies available by Federal law. I had complied with Select Portfolio Servicing Inc. requirements for Loan Modification processing. We are in the verge of completing all requirements to finalize our Request for Mortgage Assistance ''. Select Portfolio Servicing Inc. have not dealt to me in good faith until this moment.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-08 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
company fails to remove medical collections which they were violating the hippo laws concerning medical information. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ask company to to verify these accounts on my credit but said company as failed to do so

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 2018-04-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
The first loan date was XX/XX/XXXX. The last loan date was XX/XX/XXXX. Total amount of loans = {$81000.00}. 
I believe I have been cheated by either the Dept. of Education or Navient ( Loan Servicer ). I was lead to believe that my Student Loans to XXXX College ( a XXXX School ) would be completely forgiven due to the school being closed for cheating. After consolidating my loans so that they could be forgiven, only about 30 % of my loans were discharged, leaving me with a balance due of {$56000.00}, which I can not pay. I suspect that either Navient did not credit me for the full amount discharged, or that XXXX XXXX, the new Head of the Department of Education, has had an impact on the amount of forgiveness allowed. I do not trust either institution. I have lots of documentation justifying my expectations and what was actually delivered.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-08 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO.
State: SC

Complaint narrative:
I applied for mortgage assistance in XX/XX/XXXX with Chase. I am now in the 9th month with no resolution. I have answered the same questions over and over. I have sent all requested paperwork in duplicate and triplicate. I have spoken with them weekly to resolve any issues. 

When I called to check on my loan status in XX/XX/XXXX, I was informed that I had already called in on XX/XX/XXXX to cancel all activity on my loan and that I was no longer interested in a loan modification. I did not talk with anyone at Chase at all on that date. Since all calls are recorded, I have requested to hear the recording of this call. My case was closed. After escalation of my complaint and transfer to another department, the account was supposedly reopened, however all documentation would need to be resent. So we effectively started from the beginning. 

Chase can not be this accidently inefficient. My application is clearly being treated in a delaying and fraudulent manner. Each time I call I speak with a different representative. I have been assigned at least 4 Relationship Managers ( Ive spoken with one ). I received 2 copies of my appraisal in XX/XX/XXXX one day apart, and another copy in XX/XX/XXXX. Letters are erratic, stating that information is complete and then it is not.

In summary, I have been shuffled around from department to department, talked to multiple people making duplicative requests, sent and resent income documentation multiple times, been driven into default due to inability to finalize refinance request, been told that my refinance request was closed, claiming I called and requested they do so, been denied recording evidence of my call that the refinance request be closed, been offered reinstatement of the refinance request ( in XX/XX/XXXX ) with a non-committal expectation to have a final response on approval within the next 30-45 days ( the same time frame provided at the time I opened my initial request 9 months ago ), been offered no further apology or admission of fault. 

I would not be in this position at all if I had not been advised by Chase back in XX/XX/XXXX that a home equity loan would be better for me than my requested conventional mortgage. ( It would then not be qualified for the automatic loan modifications that followed the XX/XX/XXXX recession. ) Recent Chase advice specified that if I did not qualify for modification under this current application, I would need to be at least 4 months in arrears before looking at other options. Since the loan process would be completed within a 45 day period ( per Chase ), I stopped making payments on the property to cover this possibility. Now 270 days later, my credit score has dropped and affected my relationships with other financial institutions. 

The treatment I have received from Chase has had a huge negative impact on my life. I need this situation resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-08 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: CITIBANK, N.A.
State: MN

Complaint narrative:
In XX/XX/XXXX we notified Cit that we were planning to file for bankruptcy, but intended to continue to make payments on the two student loans we had with them, after the bankruptcy was complete, per our lawyer, as they did not qualify for discharge. Citi did not agree to any delays in payment and immediately put the loans in default status and referred them to collections even though we had not missed any payments at that time. The first company that contacted us to collect on the loans was XXXX XXXX. We agreed to a payment plan and made all payments on time, but were never given statements or balances due after multiple requests by phone and in writing. In late XX/XX/XXXX or early XX/XX/XXXX, we received information by mail that Citi had sold our loans and we would receive further instructions from the new company. We did not receive further instructions so we continued to make payments to XXXX XXXX. Eventually XXXX XXXX stopped accepting our payments. We called several times and sent written requests for more information, including the last request that was sent via certified mail in XX/XX/XXXX. The certified letter was signed for, but no response was ever received. After not receiving any requests for payment from anybody, we contacted Citi for further instructions. Citi explained that the loans were in the process of being sold and/or reassigned to other companies. At this point we were instructed to send payment for one loan directly to Citi in XXXX XXXX, SD, and the other to XXXX XXXX, XXXX out of XXXX, FL. We then requested a payment history and current balances from Citi. We received a payment history for each loan that only went back to XX/XX/XXXX. Not only is this information incomplete since we made payments since XX/XX/XXXX ( and before the bankruptcy ), but it is also not correct. We sent exactly {$40.00} to each loan every month since the bankruptcy and that is not reflected in the short history that was provided. Lastly, we sent the amount specified by Citi ( with a copy of the letter from Citi ) to pay off one of the loans in XX/XX/XXXX, along with a request for verification that this loan had a balance due of XXXX dollars. As of today, XX/XX/XXXX, they still have not cashed this payment. We received a voicemail from Citi stating that they had questions about our request shortly after we made that payment. We have tried to contact them several times at the number given and they have not returned our phone calls or responded by mail.

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 2018-04-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: NJ

Complaint narrative:
I am never informed of this debt. I asked for proof of it thru signed documents. never received any proof. Also, it was placed on my credit report and it does great harm to my credit.I need this negative item to be removed right away.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
There is an outstanding balance on the card that I do not agree with. The card balance is less than 3 months old and I have received no fewer than 8 calls daily from the company in relation to this debt. They will not provide me with options other than to pay over the phone and refuse to quit calling. I wish to settle this debt with the company it is owed to not this agency. They will not provide me with that information and call incessantly from multiple numbers. It feels overkill and harassing.

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 2018-04-08 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: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX is trying to collect on a medical account when I've never been in any business with said company. in addition they are violating the hippa laws about furnishing medical information without consent

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: GA

Complaint narrative:
Date opened XX/XX/2015 Collection amount XXXX This is not my debt Ive never had any account with this company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Synovus Bank
State: NE

Complaint narrative:
I have XXXX XXXX credit card with a {$200.00} limit i used XXXX leaving me with a balance of XXXX when my bill was due I accidentally sent XXXX instead of the XXXX that was due. They received the payment but still said I owed XXXX dollars and i also paid the XXXX and my available balance went from XXXX to XXXX for no reason at all. I tried to call I was on hold for 2 hours and no one ever answered and there is no online help. XXXX   is the website there very little contact information and no direct phone line. They are on my credit report showing I've only made the initial deposit. I've given a total of {$430.00} including the {$200.00} deposit at this point I just want my money back and to close the account but I can't get a representative on the phone. I also moved and could not update my info on the website as it saved my address wrong in the system after I applied.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Allied Collection Services, Inc. (Nevada)
State: TX

Complaint narrative:
I've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking.My official complaint is against ALLIED COLLECTION SERVICE. My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas.

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 2018-04-08 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: SLM CORPORATION
State: FL

Complaint narrative:
On XX/XX/2018 between my father and I we received 8 phone calls between XXXX-XXXX. 
No one was on the other end answering and no messages were left. If I didnt answer the phone they would call my dads personal number, if he didnt answer they would call his work phone number, then they would call me again. It was a never ending cycle for almost 3 hours.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-08 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, DE XXXX requested I update my XXXX XXXX Credit Card information, which I gladly did. 

I submitted, per XXXX XXXX XXXX request, copies of the front and back of the following items : 1 ) My Social Security Card, 2 ) my driver 's license, and XXXX ) my Ally Bank statement. I sent these documents twice via XXXX XXXX numbers XXXX XXXX XXXX XXXX XX/XX/2018 ) and XXXX XXXX XXXX XXXX XX/XX/2018 XXXX to XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, DE XXXX as XXXX XXXX by XXXX XXXX Mail to XXXX XXXX, XXXX XXXX XXXX, XXXX, OH XXXX. 

I have had this XXXX XXXX credit card for approximately 15 years and have never missed a payment or been delinquent. I have a perfect credit with XXXX XXXX. 

Communications with XXXX XXXXk have led me to believe they are treating me unfairly and unlike other holders of XXXX XXXX credit card. I am not sure if it is racial profiling by XXXX XXXX   because there is no reason my XXXX XXXX credit card isn't working properly. 

XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-08 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: GOLD KEY CREDIT, INC.
State: FL

Complaint narrative:
i had gold key credit inc removed from my credit report they are lieng to the credit brues and saying i owe some type of medical debt. they where rude and biligerent when i talk to them and they have broken so much laws its not even funny. i would like them to remove them selfs from my credit report

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: RoundPoint Mortgage Servicing LLC
State: FL

Complaint narrative:
Due to the storm they called me to see if I had any damages and if I reported to my insurance. I said I do have damages on my roof and that I had to fix it out of pocket because the deductible is to much. They told me I can do this thing referente for three months pay nothing and for those three months they will put the money I owe to the back of the loan. I said ok but I will pay {$200.00} a month. Then after that was over continue paying my regular amount after three months. They took it upon them self to put me to see if I would be available for Mediation after almost 2 months they said I wasnt approved and can I pay the two months I owe and if I dont it will go on my report when they are the ones that put me here. I believed they was helping instead they wasnt. Now my credit is going to go down because of them Lying to me. I want this late payment thing to go away because it was not my fault they told me that it would go in the back of the loan. Everyone I pay they telling me Im paying for another month. If this would of happen I would if still be ok without there help.

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