vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-08-25 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I spent 4 1/2 hours at Best buy buying t.v., speakers, phone accessories etc., I was physically and mentally exhausted and at check out the young clerk asked if I had a Best buy credit card. I said no, he said I could get 10 % cash back. There was a sign with a big 10 % on it at the check out and with the amount I was spending, that would be a sizable rebate. 40 to 60 minutes later, I still had n't seen any information on the credit card ( they were having computer problems and even an area supervisor was involved ), I am XXXX XXXX XXXX and 5 to 6 hours was taking it 's toll. If they had given me the credit card pamphlet, it would n't have gone this far. I would have said no deal. I have never had a credit card that charges an annual fee, NEVER. I had the money to pay by myself, the first time I even touched the pamphlet was when they finally got a pc working ( 4th one ) and the young clerk said to read the numbers and letters for the code for my 10 % to the person on the phone. All this and I had to return the next day for my t.v., as it was not in stock. That day the '' helpful '' clerk avoided me like I had the plague. I had n't yet looked at the credit card pamphlet, I needed assistance with the speakers he sold me and some additional parts. He wanted NOTHING to do with me. Within two weeks, I had returned almost everything and I told the returns clerk to payoff and close that Best buy credit card. Having no confidence in them I checked with Citibank who handles the Best buy card and no, nothing had been applied to that card. I checked with my bank and all monies had been applied to my card with them ( I had to use my card along with Bestbuy 's to cover the purchase ). I called Citibank again, told them to cancel card ( Bestbuy did n't apply money to or close the account ), woman on phone wanted to know why ... I told her I have never had an annual fee credit card, or one that charges 27 % -29 % apr ; she wanted to try to lower annual fee, I said no I will never pay a credit card annual fee. I paid off the amount I had put on the best buy card and she said that 's it, it 's closed. Now I am receiving a bill for the {$60.00} annual fee ( minus a {$6.00} return or whatever ) but with an additional {$27.00} late fee! Now another {$27.00} is about to be added as my health has kept me from mentally/physically being up to pursuing this issue. Where is my 10 %??? They could have cleared the board, by applying that to card balance. Remember I did n't have the card a month. Finally read the ultra fine print, not cash back like clerk said, but Best buy rewards. I am never going back to best buy except if t.v. needs repair, as the returns clerk did n't know how to cancel/refund for extended warranty. Duh, ask someone! And yes, t.v. has problems.

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 2017-08-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Allied Collection Services, Inc. (Nevada)
State: VA

Complaint narrative:
Over a year ago, Allied Collections started collecting on an account it said was owed to XXXX, in the amount of about {$470.00}. Around XX/XX/XXXX, I noticed they had reported it to various consumer credit reporting agencies, like XXXX. That month, I settled the account with Allied, on the condition that they request deletion of their tradeline from any credit bureau it had been reported to. I was told by the collection agent that Allied would be requesting deletion of their information from the credit bureaus. 

However, they did not do this, despite promises otherwise. I followed back up with Allied and they said they would take care of it and ensure their tradeline was deleted. 

Worse, when I disputed the information to XXXX, Allied *confirmed* it was supposed to remain reporting to my credit history. 

As of XX/XX/XXXX - almost a year after payment - the account remains.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On XX/XX/XXXX, my debit card and PIN number was compromised. I scanned my work badge entering my workplace at XXXX at XXXX CST I used my card to purchase breakfast within my job in the amount of {$5.00} ( XXXX XXXX ) When I went to lunch at XXXX I attempted to use my debit card to purchase lunch at XXXX XXXX, again within my workplace- ( XXXX XXXX ) this transaction was denied, which prompted me to log into the chase app on my phone to check the balance. I notice 2 transactions on my account at the USPS in XXXX TX, one for {$1000.00} and another for {$880.00}. I then immediately contact chase and was told my card was placed on hold for suspicious activity. Thats why my lunch transaction was declined. I was told by the bank that someone used my card at an atm and used my PIN number -- Address of the atm was XXXX XXXX  XXXX in XXXX XXXX Tx at XXXX and XXXX XXXX I was at work at this time, and I never use the ATM to check the balance. Then the USPS charges were done at XXXX and XXXX XXXX, again I was at work with my card still in my possession.. I was told that the card was then again used at the same atm as earlier at XXXX attempting to withdraw {$40.00}. This attempt was declined by the bank because they already put a hold on the card. Again I was at work wit the card in my possession. I then attempted to buy lunch at my job ( XXXX XXXX ) at XXXX XXXX, 24 minutes apart from the Last ATM transaction. I have co-workers that provided a statement that I was at work in their presence and went to lunch together that can vouch of my whereabouts and witnessed me take my card out my wallet and attempted to use for lunch, even offer to pay once was declined. To get from the ATM in XXXX TX to XXXX TX in 24 minutes and get to the cafeteria in my job is impossible - Should show that there was a second card somehow. Makes zero sense for me to go to a non chase ATM TO CHECK MY BALANCE when Then can see I check my balance on my phone all the time. And to do it multiple times does not make sense. Also if the card declined at the atm using the pin why would I go to work and attempt to use the same card for lunch without calling the bank when there was more than enough money to make the {$40.00} withdraw. I dont out feel like a thorough investigation was done to protect their customer. If it was me, why would I commit fraud like that.. Im confused how they can deny my claim when I proved it wasnt me and I had my card, I also provided the police repot info I filed. 

Went to branch and was told that sound like someone used a devise to copy my debit card and pin # -- -- If the brach is aware of this type of fraud how can they deny my request

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-08-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: NC

Complaint narrative:
I have only been with Select Portfolio Servicing for a year, my account transferred to them by XXXX. 
My home burned XXXX-XXXX-17 & I have been trying since that date to get short pay offers approved. 
XXXX did an appraisal after the fire which came in at {$38000.00} BPO. Two different XXXX  representatives promised me that an offer of {$36000.00} on my part would be accepted. I had the call on speaker & have witnesses that the 2 representatives made this statement to me about {$36000.00} ( 95 % of the BPO ) being accepted. 
It was not! 
This company has been sending me default letters since the fire. Prior to the fire & since, I have missed zero payments. XXXX until now I have sent {$4000.00} in payments to XXXX while being homeless due to their threatening mail. My mortgage payment is supposed to be locked in on a permanent modification at {$490.00}. 
I sent {$1000.00} that I did not owe in the past 45 days to stop the daily default notices & constant collection calls.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-25 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: TX

Complaint narrative:
I just wanted to do my part in taking down Navient for the unethical way they have handled my Student Loans. 

I have 5 individual loans totaling {$17000.00} the five are a combination of subsidized and unsubsidized loans, vary in amounts and interest rate. 

But the commonality shared between all of them is the fact that I am upside down. Owing more than the amount I initially borrowed. Not through any fault of my own ( outside of being an indecisive student making an attempt at college only to discover it is n't for everyone ). I was forced into multiple deferments, not given the option to keep paying as I attended school and as a result I now owe more than I borrowed, understood when you factor in interest, but not understandable when you factor what was accrued as a result of Navients practices. 

I am not attempting to get out of my responsibilities, though I would love my debt to be wiped clean as Torah calls for, after seven years, I understand I signed my name on the dotted line and must repay. But, I do below that I owe less than my current amount shows and want to be reimbursed for the amount accrued due to forced deferments. 

Navient deserves to be out of business for what they have done. They have taken advantage of people and are the epitome of predatorial financial institutions.I hope my complaint provides US DOJ with more ammunition to put this company in the grave where it belongs! 

CROOKS!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-25 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Continental Services Group, Inc. d/b/a ConServe
State: NM

Complaint narrative:
Conserve Credit Debt Collection Agency for the Creditor XXXX XXXX XXXX XXXX, in the amount of {$6400.00} Account Number : XXXX had already been, " Investigated, Removed and Deleted, '' from all of my Credit Reports for being a, " Fraudulent Account '' yet they somehow managed to place them back onto my XXXX and XXXX Credit Reports. " I do not know if they have placed themselves back onto my XXXX  Credit Report but as I mentioned they were already deeded, " Fraudulent and I have sent the Original Creditor all the necessary legal documents when I first had them disputed and they were fully investigated and again removed and deleted from all three credit bureaus. 
I have spoken to both the XXXX Credit Bureau and Conserve, Conserve is the fourth Debt Collection Agency hired to try and harrass me and attempt to ruin my credit. In fact Converse told me when I called them that, The Creditor : XXXX did not sent them any documents at all so they have nothing to reference the fact that had already been removed for being, " Fraudulent Account! '' " I did however make them aware of this! '' And as far as XXXX and XXXX, I have filed complaints against them separately. 
I do not know how to stop this abuse as I can not afford to have my credit ruined by creditors who were already once removed from all three credit bureaus. However, it seems very illegal that this is happening as my Credit Bureaus have my records on file as I submitted two police reports, Legal Affidavit and all other documents needed. I really need this to stop! 
( Over the past two years I have sent the main creditor which is the XXXX and their other Collection Agencies they have hired, plus all three credit bureaus all of my legal records like up to three times now. When I sent the legal documents I always sent them, " Ceritfied Mail but I can not afford to keep on doing this as I my income changed drastically when I became XXXX and was put on Social Security Benefits! So I am on a very tight budget. I do however have all of my original legal documents that I am going to be mailing to CFPB )

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Seterus, Inc.
State: NY

Complaint narrative:
This is in response to my last complaint and XXXX XXXX XXXX Consumer and Government Affairs Seterus, Inc. response. We filed for chapter XXXX bankruptcy in XXXX of XXXX. My attorney XXXX XXXX XXXX XXXX was added to my Seterus account in XXXX ofXX/XX/XXXX. I applied for a modification in XXXX of XXXX. A trial offer was sent out for us to begin trial payments in XXXX of XXXX we completed the three payments which you indicate in your letter. We never received a permanent modification until XXXX of XXXX now our attorney was added to our account. If Seterus had processed the finalized modification in a timely matter by XXXX or XXXX of XXXX, We would have been current on our payments and it would not have been part of the bankruptcy proceeding. Seteruss inability to process the modification in a timely manner caused our home to go into foreclosure proceeding and increase the mortgage amount that we currently owe. It should not take 8 months for a mortification to become permanent after the trial payments have been made.

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 2017-08-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
There is currently an account on my CREDIT REPORT that is in COLLECTION that I have never opened. It is from XXXX XXXX. 

The amount is {$1800.00} as of XX/XX/XXXX. The credit report states that the account was opened onXX/XX/XXXX. This is the first action I am taking against this account that looks to have been fraudulently opened without my consent.

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 2017-08-25 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: NH

Complaint narrative:
In XX/XX/XXXX-XX/XX/XXXX I attended school at XXXX XXXX in XXXX, CA. While making payments on the two loans I had with XXXX XXXX ( now Navient ), my payments we not applied properly. I had written checks for the sum of the two loans, writing both account numbers on the check to be disbursed evenly, but the money was only applied to one loan. This continued to happen for over a year, without any correction by the lender. This resulted in delinquent payments, increased interest rates and constant harassment. I contacted the lender dozens of times to correct the problem and/or apply a credit to the other account based on the difference and nothing was done. Upon falling behind on payments, I was offered to put my loan ( s ) into deferment/forbearance without detailed explanation as to how that affected my loan and how the interest would continue to accumulate. I was NEVER suggested an income-based payment plan. Not a single time. It is now XXXX, I have paid 1 loan off and I have tried to apply for a repayment plan, but I was told I do not qualify because my account was current. The interest was well over 10 % and was told I could n't receive help unless my account was delinquent. So, I had to let my account fall behind again, severely impacting my credit score just to try to apply for that repayment plan. I now have been trying to contact Navient about my account and have been told my information does not match what is on file with the company! Apparently, my SSN and DOB do not match their records, yet they have no problem reporting me to credit bureaus, tanking my score and eliminating my eligibility for 3 Federal jobs I applied for because of my " delinquent accounts ''. Navient has done nothing but put me into the deepest financial hardship I could imagine and I can not foresee digging myself out of this hole without help from the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-25 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
please remove the XXXX collection from my file it has been removed STATUS Company responded on XX/XX/XXXX RESPONSE TYPE Closed with explanation Company 's Response Re : XXXX XXXX Reference No : XXXX Original Creditor : XXXX XXXX Dear XXXX XXXX : Your dispute has been noted. Please accept this as confirmation we have closed the account in our office and returned it to the original creditor. Additionally, we have requested a deletion of information provided by XXXX XXXX to the credit reporting agencies. You may wish to check with your local credit bureau in 30-45 days to ensure that your credit file has been corrected. Your Credit Bureau Account Number is XXXX. Thank you for the opportunity to review and respond to this matter. This communication is from a debt collector. Sincerely, XXXX XXXX, # XXXX Consumer Affairs staff on behalf of XXXX XXXX, 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 2017-08-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC
State: HI

Complaint narrative:
I called Quicken Loans on XXXX XXXX 2017, to discuss getting a mortgage to purchase an unfinished house on a 3-acre piece of property. I talked to an upbeat loan officer by the name of XXXX XXXX, who told me the type of loan I requested was indeed possible with Quicken Loans. He told me Qucken Loans is a direct lender and can make mortgage loans many lenders can not. 

I told him I wanted to have my mother on the loan and I gave him her income information. He told me, based on her income, the amount of money, {$100000.00} she would qualify for, but he also said he needed to check her credit first. After he talked with my mother and he ran her credit, he said he could not do the loan. I thought this was strange because her credit came out to XXXX. When I asked him why he was turning her down, he said that Quicken Loans does n't do this kind of loan after all, and the house must be completed at closing. When I asked him why he did not tell me this before he ran the credit, he said running the credit only took off a few points and it was not as bad as applying for a credit card. I thought his flippancy towards running my mother 's credit if he " could not do that type of loan after all '' was damaging to her. 

Most of all, I am filing a complaint because I believe the lender practiced age discrimination against my mother. Although she is in her late eighties, she has a right to file for a mortgage without being misled about what loan is possible for her, and without having her credit checked for no reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-25 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: NY

Complaint narrative:
please remove the XXXX collection from my file it has been removed STATUS Company responded on X/X/2017 RESPONSE TYPE Closed with explanation Company 's Response Re : XXXX XXXX Reference No : XXXX Original Creditor : XXXX XXXX Dear XXXX XXXX : Your dispute has been noted. Please accept this as confirmation we have closed the account in our office and returned it to the original creditor. Additionally, we have requested a deletion of information provided by XXXX XXXX  to the credit reporting agencies. You may wish to check with your local credit bureau in 30-45 days to ensure that your credit file has been corrected. Your Credit Bureau Account XXXX is XXXX. Thank you for the opportunity to review and respond to this matter. This communication is from a debt collector. Sincerely, XXXX XXXX, # XXXX Consumer Affairs staff on behalf of XXXX XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: VW Credit
State: NC

Complaint narrative:
SOMEONE HAS STOLEN MY IDENTITY! I SAW THAT THERE WAS A INQUIRY FROM VW CREDIT ON MY XXXX CREDIT FILE AND I CONTACTED AUDI FINANCE AND XXXX AND THEY AUDI REMOVE THE INQUIRY ASAP AND THEN THE ACCOUNT CAME ON MY FILE ABOUT A WEEK LATOR! AUDI FINANCE TOLD ME THAT SENSE THE INQUIRY WAS REMOVE THE ACCOUNT WILL NEVER SHOW UP. THE ACCOUNT IS FRAUD AND EVEN THE ADDRESS IS FRAUD LIKING THE ACCOUNT. THEY ARE REPORTING UNDER XXXX XXXX XXXX XXXX, XXXX XXXX NC XXXX, I LIVE AT XXXX XXXX XXXX XXXX, XXXX XXXX NC. PLEASE REMOVE ASAP. MY ATTORNEYS WILL BE HANDLING THIS IF NOT REMOVED

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: CA

Complaint narrative:
My manufactured home mortgage payments are being allocated 66 % interest and 34 % principal. On my statement ( see attached ) it says interest rate 10.75 % actuarial. I sent an email to DITECH customer service on X/XX/17 and have not received a response.I am trying to get an explanation from DITECH why I am paying an interest rate of 66 % per month while on my statement it says 10.75 %.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation