vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-05-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: BARCLAYS BANK DELAWARE
State: NC

Complaint narrative:
My card has an available balance on it. It is not over limit.   On   XXXX   at  XXXX  I tried to use the card to pay for membership dues and it was declined. I called the credit card company barclays and after being transferred twice finally got someone who understood and spoke clearly. I was told they are having technical difficulties and to try again in a few hours.   On   XXXX   at  XXXX  I again tried to use my card. It was declined.   I called on   XXXX   and again told them my card keeps declining. They told me it would again be resolved in a few hours, and to try the card again in a few hours.   I tried to use the card at   XXXX   and it was declined again.   I called the credit card company and I am now being told they have no time frame for when this issue will be resolved.   I pay a lot in finance charges and annual fees to this company but when I need to use the card, they have " technical difficulties ''.

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 2017-05-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Franklin Credit Management Corporation
State: WA

Complaint narrative:
I worked wit h Franklin Credit to  arrange a payment plan to get back on track after experiencing financial hardship. On  XXXX / XXXX / 17  I submitted a down payment as requested and have yet to receive any documentation stating that they received they payment. Today (  XXXX / XXXX / 17  ) I called them to ask if they had received my wire transfer in the amount of {$1900.00} and I was told that I would not be receiving any documentation on the status of my loan unit the repayment plan was complete ( 24 months ), and they also would not verbally tell me if the original down payment was received. I tried to call an additional 3 times and either got hung up on, or was transferred to a managers voicemail that was non existent. I find this very hard to believe and I feel uncomfortable paying additional payments if they can not verify to me that they are receiving payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-19 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Closing on a mortgage — 
Company: Reverse Mortgage Solutions, Inc.
State: NJ

Complaint narrative:
My father XXXX XXXX took out a reverse mortgage in XX/XX/XXXX. In total he received approximately {$350000.00} for his home on XXXX XXXX XXXX, in XXXX XXXX, NJ XXXX. He passed on XX/XX/XXXX. The buyout is currently {$620000.00}. The loan was originally with XXXX and now is served by RMS. First off the amount of interest charges seems very excessive. Secondly, he was told that we would have at least one year after his death to either sell or refinance the home. RMS has aggressively been trying to force me out and have repeatedly threatened with foreclosure and legal action. My father has been deceased for less than three months. As a result of their tactics, I have been forced to obtain legal council on my own. My attorney XXXX XXXX, who specializes in real estate has told me she has never seen anything like this.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-19 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
A loan modification request packet was faxed to the lender on  XXXX   XXXX  and additional documents faxed  XXXX   XXXX . This packet included a TPA for authorization to get an update on the modification review. The lender did not upload the tpa in time so when I called the lender on  XXXX   XXXX ,  XXXX  they could not provide me with an update. We called back  XXXX   XXXX  and representative  XXXX  id #  XXXX  advised they received the packet but does n't look like it has been reviewed yet. We were provi ded the SPOC i nformation for  XXXX   XXXX  email :  XXXX  XXXX  XXXX   XXXX . Called back again on  XXXX   XXXX  spoke to id #  XXXX  and nothing had been reviewed yet. Called back again  XXXX   XXXX  spoke to  XXXX  id #  XXXX  an d SPOC  was not available and there was no review update. Called back again  XXXX   XXXX  spoke to  XXXX  id #  XXXX  and there was no review update and spoc was not available. An email was sent to the spoc assigned on  XXXX   XXXX  with no response. Called in today  XXXX  and there was still no review of documents on file so I spoke to a supervisor  XXXX   XXXX  and he submitted a reassignment of the loan to a new point of contact to review the loan modification packet submitted and uploaded by  XXXX   XXXX . I was told the new representative will nee d 5  business days to review the documents before they can provide me with an update. He also stated that they will most likely ask for new financial information because the time that has passed. Well the time that has passed is due to the lenders fault so if the packet was complete in  XXXX  it is complete now and we should n't have to resubmit new financials because of the lender not doing their job.  XXXX    XXXX  spoke to  XXXX  id #  XXXX  informed that the modification was not approved. Requested a repayment plan. On  XXXX   XXXX , Repayment plan has not been approved. A call was made daily since  XXXX   XXXX ,  XXXX  to  Citi to req uest information.

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 2017-05-19 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: IN

Complaint narrative:
On  XXXX   XXXX ,   XXXX  , I called Navient 's customer service eline to explain my current financial situation and the ending of my  Rate Reduction Plan, which lowered my interests for my private loans. Since my plan is coming to an end, I called to re-apply, but the representative told me I do n't qualify anymore even though in the beginning a different representative told me I can reapply with a form. Navient did n't want to give me the form to re-apply because according to them I do n't qualify anymore even though they do n't know my current financial situation or what I am going to put in the form. They just assumed because of my credit score ... They did n't care if I have  no income coming in ... I am going to be unemployed in a few weeks and ca n't afford my payment plan outside of the rate reduction program. The representative did n't provide me with any more help. I had to keep asking her questions like what can I do now? And she told me absolutely nothing. I then told her " is n't there a deferment? '' and then she told me there is. So I 'm like why did n't you tell me that in the first place, do i have to keep bringing things up that you should have brought up to me in the first place? The representative did n't bother to give me any options. She did n't help in getting me any other assistance until I brought it up to her. This has happened to me for the past 4 years dealing with Navient. I have to research on my own for help myself instead of turning to them. I am now facing unemployment with no ability to pay my {$480.00} dollar loan because there is no other option for me to pay it beside s DYING, which is absurd. I I want to pay my loan, but I ca n't afford to do the full payment. Navient offered me no  other assistance or help.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
Back a few years ago, a friend used my name and address to obtain credit in his name. I was listed as a co-signer / authorized user. The  Visa Credit card account was finally closed with a balance. My friend and I agree since we both used the card, to pay off the card balance. Since the Visa Credit card was in his name and he paid half, I agree to pay the remaining balance. I moved out of state while to continue to pay the balance off. The statement was going to his home in  XXXX  and I asked Navy Federal Credit Union to send the statement to my new addr ess in  XXXX . I never gave my friend my new address, but I started to get pre-approved credit offers in the mail. I aske d Navy Federal Credit about this and their response w as " Subject : Privac y, Navy Fe deral Response  XXXX / XXXX /   2017  : Thank you for your messag e. Navy Federal protects the confidentiality of  your personal financial information. We do not sell your information. We only share information with nonaffiliated third parties when necessary fo r Navy Federal business purposes. For example, we share information with consumer reporting agencies. We may also share information with others to process   transactions, to offer products or services approved by  Navy Federal, or to  comply with laws. When we share your personal information with others, strict confidentiality agreements and laws assure that your information is pr otected. Navy Federal  is fully committed to the privacy of your personal financial information.     Your Message  XXXX / XXXX /   2017  : I am join owner of a  CLOSED Navy Federal  Credit Card  XXXX   XXXX   XXXX   XXXX  and I asked that you 'll send the paper bill to myself being that I was paying the bill. What I was n't expected is tha t Navy sha re this information thru some finanical system. I am now getting mail for  XXXX   XXXX  at my current address. Can you stop sharing my information with his name attached to it or please give me some advice in order that I stop receiving  his BAD m ail.      Navy Federal Credit shared my a ddress with  XXXX  of their third party who activated something in the financial system to send his bad collection notices and pre-approved offers.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-19 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Prosper Marketplace, Inc.
State: CT

Complaint narrative:
I 'm returning under OMB #  XXXX . The interest rate charges were not explained properly and do n't give the consumer the right information to make a true informed decision to go ahead with accepting an approval from   Prosper. Had I known that the interest rates would be 60 % of the monthly installment, I would have never enter into this contract.
See the attach for payment history and interest rates. This is unethical for an American, unless it is a mortgage payment. I cant for the life of me, believe that our federal system would allow a company in America t  o  XXXX  Americans financially as  Prosper is  doing. Granted, people need help at certain times, but that help should n't come back and sting us to death. The reason for loans is to help revive us, not kill us.  Prosper  is trying to kill us financially. The 25 % interest rate is not the problem, the problem stems from how it is applied.     From the inception on  XXXX / XXXX / XXXX  of this {$10000.00} loan until  XXXX / XXXX / XXXX , I have paid {$13000.00}. This would be {$3700.00} in interest within such a short period of time. This should not be allowed by our country. I 'm asking that you stop this practice. It is fortunate that I am able to pay this off before the full term of the loan. If Proper 's practice is not corrected, I will mention my loan experiences that include s Prosper  on social media and the newspapers.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
I contacted portfolio recovery and advised.they will not listen to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Protection Association, L.P.
State: AL

Complaint narrative:
I was subjected to unauthorized charges  (  cramming ), and breach of agreement within a contract.  XXXX    XXXX    (  XXXX  ) (  1  ) Did not provide a brief, clear, non-misleading, plain language notification of the chang  e ( s ) in service cost ; ( 2 ) Deadlocked me in a contract in an attempt to make me pay for unauthorized and unagreed upon service charges, subject to early termination fees and/or other fee ( s ). ( 3 ) provided me with documentation of having a {$0.00} balance then sending the unauthorized charges to a debt collector for {$620.00}. ( 4 ) placing the alleged debt on my credit report.
The debt collector ( Credit Protector Association )   did not provide a non obstructable means to follow through in order to lodge a complaint on the account in question. I filed a bbb complaint in which  XXXX  admitted to not notifying me of charges.    XXXX  without my consent and agreement increased charges for services. It continued the contract to make it appear to be the same charge as before. After which increased charges, breaching it 's contract by breaking the agreement in service charge.

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 2017-05-19 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account status incorrect
Company: ALLY FINANCIAL INC.
State: MI

Complaint narrative:
Ally fraudulently claims that I missed a payment on my account when I did not. They reported to the credit bureau   XXXX   that I missed a payment and that my account was a charge-off. I have the letter written by  Ally stating that they were waiving the bogus {$820.00} in excess wear charge. I did not miss a payment nor is this a charge-off. They also stated in the remarks " Consumer disputes afte r resolution ''. List payment status as a collection/charge-off. Ally waived the fee and I did not contact them afterwards. On my   XXXX   report, they reported that my account was closed with NO missed payments. Payment status is listed as current. Stated in the remarks " Dispute resolved, customer disagrees ''. Ally continues to illegally damage my  credit score and may pot entially damage my ability to apply for a mortgage. What confuses me is that I check my credit report weekly and both  XXXX  and   XXXX   both had shown that they were closed with   XXXX   payments missed. Ally needs to investigated by the federal government. They will correct my credit report immediately, otherwise I will sue them.

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 2017-05-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I have been a victim of identity theft, this company has continued to report to credit and collect on a fraudulent debt. I have disputed with this company 3 times, they now deem my disputes as " frivolous '' and refuse to accept any documentation on my behalf. I had my ID stolen at age  XXXX , my social security cards, and my ids. They opened numerous insurance accounts, medical, apartments, auto loans, and credit cards, all defaulted on. These debts do not meet FCRA or FCDPA standards. Attaching police reports, and original as well as updated. I never applied or benefited from these alleged accounts. This is a fraudulent account that I did not authorize. Does not meet FCRA OR FCDPA requirements. This account must be removed from all credit reporting agencies.     I am attaching ALL of my supporting documentation, lease for proof of address, ID, SS card, letters, police report, FTC ID theft Report.

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 2017-05-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Clark County Collection Service
State: NV

Complaint narrative:
I just looked at my credit report and NO way do I owe   XXXX     XXXX  {$770.00} I would like validation and what address was this account attached to? This is inaccurate data

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: AMERICAN EXPRESS COMPANY
State: AR

Complaint narrative:
on  XXXX   XXXX  I received a call informing me after  30+years of u sing  my American Express card they  put a hold on my card until I will give them permission to go through my I R  S ta x returns .I have never been late on a payment and have generally either paid the full amount or more than the amount due ever month. I informed them I was out of state and was using my card for motel & gas. They gave me no reason for this action beyond they want to know my income and they will decide if I can afford this card. I DO NOT think that is their decision to make as long as I am making my payments!!!! I feel they are judging me on my age and  XXXX . I am  XXXX  and no longer have a high income but I have been  XXXX  for several years and am managing fine, they have no idea what I can afford.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-19 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Diversified Consultants, Inc.
State: FL

Complaint narrative:
Why is n't Diversified Consultant providing me with the information I am requesting? I am being sent instructions to fill out fraud statements but that is not my concern. If this is really my account, I need to see the supporting documentation that proves this is a debt I truly owe. I filed a dispute on  XXXX / XXXX /  XXXX   and I got the same exact answer I have been getting for months : " Fill out the attached fraud packet and mail it back to us. '' Neither I nor the CFPB have been provided with the information to support this is a valid debt. I specifically requested that validation of the debt be uploaded to this portal so the CFPB can conduct a closer investigation but once again, they are claiming to have " mailed '' it to my address. I have not receive a single document from this company and they continue to report this to my credit without being able to prove it is a valid debt. Not only that, in their letter they address me as " him ''. I am not a man, I am a woman and this is just another example of the scam this company is trying to play on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-19 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONSTAR MORTGAGE LLC
State: MD

Complaint narrative:
I am the title owner of the property located at XXXX XXXX XXXX XXXX, XXXX, FL XXXX ( " The property '' ). The Bank filed a case based on breach of the mortgage ; more specifically failure to maintain insurance on the property. On XX/XX/XXXX, I received a letter from the lender indicating that my hazard insurance had lapsed. ( Addressed to my XXXX XXXX ). The letter indicated that if I did not obtain insurance that the lender would purchase insurance for me on the property. Included with the letter was an informational brochure. The brochure indicated what would happen if I did not obtain insurance. 1. The lender would " force-place '' insurance. " With reverse mortgage loans, lender may withdraw the cost from the available equity in your reverse  mortgage loan. The reverse mortgage I obtained on with the Plaintiff was for {$120000.00}. At the time of foreclosure, I only used approximately {$2500.00} of the line of credit on the reverse mortgage. Nowhere in the brochure did it indicate that a foreclosure was a possibility. Days after the letter from the lender a foreclosure complaint was filed against me on the above mentioned property. I was served the original complaint on XX/XX/XXXX. The complaint was filed on XX/XX/XXXX, however, on XX/XX/XXXX I obtained valid insurance on the property and states the property and was covered from XX/XX/XXXX to XX/XX/XXXX.  Proof of insurance was sent to lender. Because this was the basis of the complaint, and I sent information to cure the issue, I assumed it was taken care of. I did not receive any further information regarding this matter. I did not receive any subsequent pleadings, that the Plaintiff indicates were mailed out to the address of the property. Mail is not delivered to that address and has never been. I do not receive mail at the property and have not ever received mail at that address. I receive mail at a XXXX XXXX . Per the US Post Office, all mail Must be addressed to XXXX. XXXX XXXX XXXX, Fl XXXX. I never received any subsequent pleading or any documents regarding this foreclosure. I assumed the matter was taken care of. I only became aware of the Final Judgment on XX/XX/XXXX or XX/XX/XXXX of this year when I was served with the Eviction Notice. I am XXXX XXXX XXXX and the care-taker of my wife who has XXXX.

Company response to consumer: Closed with explanation