vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-05-15 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: MARINER FINANCE, LLC
State: OH

Complaint narrative:
In   XXXX   XXXX   XXXX     mariner finance sent me a check that I could deposit and would be a loan. At the time my son was in the middle of a divorce and needed money so I borrowed it and he was supposed to pay it.     I gave him all the information and he was supposed to pay it. I found out he had n't paid it as promised so I tried to call them to get the information I needed to make payments on line. I am  XXXX  so getting to the store was n't an option. I called and left detailed messages no less than  XXXX  times without a single return call.     they filed suit in  XXXX , in the suit they put down an amount higher than the principal I had borrowed, and when I paid it off they had the whole balance listed as principal, when I asked how the balance was broken down they would n't tell me. I have no idea what I paid or if they compounded interest. I also noticed they collected more than what they filed suit for and I never got a square answer about that, they just said do n't pay it and deal with out lawyer and the court. very unprofessional.

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 2017-05-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC.
State: VA

Complaint narrative:
XXXX   XXXX   XXXX ,  XXXX   XXXX  and  XXXX   XXXX   XXXX  ( AFNI ) have put items on my credit report which are not mine and have refused to answer any inquiries about these accounts. Neither, Have never provided any documentations and I know for certain these accounts are not mine. Please help because I have sent ove r 6 le tters over the last year and no one helps or assists. They refuse to remove accounts which are not mine and violated my rights

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY

Complaint narrative:
Trying to do a short sale on property located at   XXXX   XXXX   XXXX   XXXX   XXXX   NY  XXXX   XXXX  is in  XXXX  condition. Valued at  XXXX .     Bank is asking  XXXX  based on a appraisal done prior to my short sale submission.   When I asked the bank for a copy of their appraisal I was refused. I was told that that was the value and I would have to take their word.   They also told me at a later date that even if their appraisal comes in at a value they do not like they have people that have never looked at the property makings fair market value desicion from behind a desk without even looking ant the property.     I faxed the banks attorney at at   XXXX   XXXX   XXXX   requesting the appraisal and was denied. I believe that they real have no interest in Helping us avoid foreclosure and that they are tolling our account at a high interest rate 8 % .so they can as the servicer use my home as a cash register for their benefit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-15 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: D2 Management LLC
State: TX

Complaint narrative:
This company has been calling repeatedly, not only myself but also calling extended family and friends. When I answered today (   XXXX   XXXX   @  XXXX  p.m.  )  they did not tell me the call was recorded, did not identify themselves by  Company name even when I asked repeatedly. I told them they had some misinformation and the girl w ho said her name was  XXXX   XXXX  but at first told me her name was  XXXX   )  pounced on me and said I had admitted to the debt ( which I had not, I simply asked for verification of the debt ). She was extremely rude, loud, talked over me and would n't let me get a word in edge-wise. Multiple times she flat out refused to give me the name of the debt collection company she represented. She threatened to take legal action. Again, I tried to ask for validity of the debt and she refused, speaking over me and continuing to threaten me with action. I finally hung up on her. I called back and asked to speak with a  manager and encountered another rude person who kept refusing at which I point I mentioned taking legal legal action against them. I finally was put through to a " manager ''  by the name of  XXXX   XXXX  who said he worked for  XXXX   XXXX   XXXX   XXXX . I explained to him the problem but had no real resolution.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-15 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: NAVY FEDERAL CREDIT UNION
State: NY

Complaint narrative:
On or about  XXXX / XXXX /  XXXX    XXXX   XXXX  was instructed to lock a mortgage rate of  3.375 with 0 Discount points and one percent  origination. She chose to ignore instructions and instead placed a phone call after hours asking for clarification. When rates went up and it was communicated to her that she should have locked it and I wanted the rate locked on those terms, she locked the rate without clarifying terms and conditions on the date of the communication after the rates had gone up.     Addition ally, Navy Federal re fuses to honor the language of Section C of its price Commitment and insists on charging an additional  XXXX  dollars to close the loan in violation of the language in it 's own documentation.     I vehemently protested  XXXX   XXXX  's locking of the rates without clear instructions to  XXXX  and  XXXX  but even though they both admitted to not being attorneys and refusing to have counsel review the documents they interpreted the emails and documents in their favor.     I specifically told Navy Federal Credit Union I would not pay for  XXXX  's Mistake and rather than inform me they would not change the rates they waited until closing in an attempt to  bully  me to accept their higher terms. Furthermore, the  Credit Union  refused to provide the commitment letter in order to timely process the loan to my agent stating that they needed additional documentation on or about  XXXX   XXXX    XXXX   when they had already published the letter.     Navy Federal Credit Union also waited until the business day scheduled before closing to verify employment information and ascertain child care costs, ensuring it would cause delays and profit from higher rates.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-15 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Convergent Resources, Inc.
State: FL

Complaint narrative:
There are  XXXX  collections after me for a debt that I do not owe. Convergent Outsourcing is  one  of them and they are try to get me to pay {$2200.00} for a debt that allegedly came from   XXXX   The account number they are using on my report is "  XXXX  ''.     I never once received a notice to dispute this debt before they put this on my credit report. I had my credit pulled recently and that is when I found out this was on my credit. The second collection company 's name is  XXXX  Consultant. They are also trying to get me to pay the same amount of {$2200.00} but they are using another account number. The account number  XXXX  is using is "  XXXX  ''.     Is n't it illegal for  two  different companies to harass someone for the same debt. I do not know what they are talking about and I have never been provided with any supporting documentation that proves I ever had an account with them. If no validation can be provided, why are they colluding to report this account twice on my credit 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 2017-05-15 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Conn's, Inc.
State: WA

Complaint narrative:
I was contacted today by a woman claiming to be an attorney from  XXXX  and  XXXX   XXXX   XXXX . She claimed that I had refused to pay a debt and then asked for identifying information including my social security number. When I would not verify the information she threatened to sue me and go after my " assets '' for giving false information. Then hung up on me. I Looked up the debt and it is 14 months past the statute of limitations for the state the debt was opened in, as Texas has a 4 year statute across the board. This account was opened  XXXX   XXXX   2012 . I was not informed that the call was being recorded nor was I informed that it was a debt collection call or that the information requested would be used for that purpose. This company is practicing illegal debt collection acts and pursuing debts that are outside of the legal time allowed. This is harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: ASTORIA BANK
State: NY

Complaint narrative:
Hi, I sold my house on  XXXX / XXXX / 17  and the title company overnighted the certified check for the payoff amount to the lender and the lender received it on  XXXX . However, the lender returned the check due to their system error. After the title company received the returned check, the title company had to wait a few days to clear the check. on  XXXX  before    XXXX   XXXX   ( eastern  ), the title company wired the payoff amount again. However, the lender took care of it on  XXXX . Thus, I had to pay the additional 9 days interest of {$270.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
This complaint concerns a problem with  Captial One Venture Card  mileage reward program. In order to take advantage of approximately   XXXX   miles of a  Venture Card re ward, I got onto the online booking program that  Capital One  uses to grant rewards. In looking for a roundtrip flight to   XXXX   XXXX  , I was quoted a trip for approximately {$1900.00} dollars for the flight depending on surrendering my  XXXX  miles. In the process of coordinating the flight with my wife, I learned that the same flight by the same airline was being offered at {$1900.00} directly on their site  ( the airline wa s  XXXX   ). This is  the same price that  Capital One  's online site was offering based on surrendering my  XXXX  miles. The  XXXX  miles is supposed to be equivalent to approximately {$820.00} dollars. Thus in essence , Capital One w as providing no discount at all on its online site and was taking {$820.00} from me without batting an eye. This seems to be outright fraud to me, since I learned that one can make one 's own deal with an airline and then have the mileage value ( here {$820.00 } ) tak en from the credit card bill if  one uses the Venture Card to pay for the transaction. Thus, I ended up paying only {$1100.00} for the same flight. I called Capital One to find out if they knew about this discrepancy on their web site they were using. Discussions with Capital One 's legal department made it clear to me they were not interested in correcting the problem.They told me they had no control over the process, even though I told them they could issue a disclaimer on their website that the user would probably not get the best deal here and would probably loose their mileage benefit completely. Capital One 's legal department just continues to respond that they have no control over the process which is nothing more than a lie.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: SD

Complaint narrative:
In       XXXX   XXXX   2016  we found out we had a delinquent  XX/XX/XXXX  mortgage payment to Carrington M ortgage Services when we had a credit check pulled. We were wanting to refinance our home. I got on the phone immediately to find out what payment was delinguent. They informed me they had not recie ved   XX/XX/XXXX  payment. T he  XX/XX/XXXX  p  ayment made th e  XX/XX/XXXX   payment and now I was  XX/XX/XXXX . I told them there had to be some kind of mistake because I made the payment. I checked with my bank and got statements to show the payments I had made prior to and after the dates in questions. I emailed them to Carrington. I called Carrington several time after to see if they were able to find the missing payments. I submitted the addess the payments where being sent trying to find out why and where my payments had gone.  XX/XX/XXXX  I ch ecked my bank account and I was credited  XXXX . I contacted my Bank,  XXXX   XXXX   XXXX   XXXX  and asked them why this check came back. They informed me this check was credited back because it had not been cashed or processed in 90 days. At that time I contacted Carrington Mortgage and told them what I had found out. I mad e 2 pa yments to Carrinton at this time . One ch eck for   XX/XX/XXXX  a nd the other for the missed payment. At this time I asked them if they could please contact the  major Credit Companies  because these late payments had hurt our credit. They told me I had to write to their research department to get this matter cleared up to which I did. I provide proof the payment was taken from my account. I provide a letter from  XXXX    XXXX   stating the payment was sent on   X/X/16  m aking   XX/XX/XXXX   payment. The letter I recieve from Carrington stated they are not responsible for lost or delayed mail by the United States Postal Service. I was n't asking for anything other than help with  Credit Reporting Companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
transunion customer service would not help and take care of the negative inquiries reporting to my credit report.       XXXX   XXXX   XXXX   XXXX ,  XXXX  N  XXXX   XXXX   XXXX   XXXX    XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX    XXXX    XXXX   XXXX ,  XXXX    XXXX   XXXX   XXXX   XXXX    XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX    XXXX    XXXX   XXXX ,  XXXX  Bank  XXXX    XXXX   XXXX   XXXX   XXXX ,  XXXX  Bank  XXXX   XXXX   XXXX ,  XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX  Bank   XXXX    XXXX   XXXX ,  XXXX  Bank  XXXX   XXXX   XXXX ,  XXXX  Bank   XXXX    XXXX   XXXX ,  XXXX  Finance   XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX  Bank   XXXX   XXXX   XXXX   XXXX ,  XXXX  Finance   XXXX    XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX   XXXX    XXXX   XXXX  ,  XXXX  Bank

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 2017-05-15 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: Secured Resolutions, LLC
State: NY

Complaint narrative:
Had  XXXX  in  XXXX   XXXX .  Forgot to pay the bill for part of it. Never got called or anything. It went into Collections with Secured Resolutions LLC at some point. Never received a letter from them. Kept getting frequent calls from them i n  XXXX  and  XXXX  of  XXXX . When they finally left a message, I called back and was informed what the calls were about. They sent me an email rather than a physical letter. Once I reviewed my statements and confirmed I had not paid that bill, I went to Secured Resolutio ns LLC 's  website and paid the amount in full on  XXXX   XXXX ,  XXXX . This account is still showing as open on my credit report. I disputed it with   XXXX   and the company still insists it is open. I would like it show closed on my credit report as I have paid this in full.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
We mailed a check in the amount of {$1000.00} to a vendor on     XX/XX/XXXX .   This check was stolen, endorsed & cashed by an individual at a  XXXX  branch. We then completed an " Affidavit of Unauthorized Endorsement or Altered Item '' form submitted by Chase bank on     XX/XX/XXXX . Sub sequently, we 've pursued our inquiry about the status of this claim monthly - but each time we were told that the matter is under investigation by  XXXX  and that  Chase  is still awaiting a response. Yet, today- a fter four m onths of waiting- we received a letter informing us that this matter was closed because we failed to supply them with " previously requested additional information. '' This  is incorrect- the 2 page  form emailed to us was completed, notarized and mailed as instructed. When we called  Chase to question this letter - they were unable to tell us exactly what was missing. Instead we were advised to resubmit the forms again. Which means they 'll commence this process over again. HELP!! Clearly, a check that was endorsed by an individual when it clearly was issued to a Company should never have been cashed. At this point, we believe we are being stonewalled in an attempt to thwart the return of our money or to discourage us from pursuing this further. Chase has refused to credit the money back to our account until the " investigation '' is completed. Chase states that the entire process can take up to 120 business day. But if we have to resubmit it will take an additional 120 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-15 00:00:00
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Account status incorrect
Company: AES/PHEAA
State: NC

Complaint narrative:
My account was incorrectly reported 90 days past due on   XX/XX/XXXX . I filed a fraud package in  XX/XX/XXXX . After which, I called several times to check o n the status of the account, and I was told that servicing had been suspended and a credit bypass had been placed on the account until the dispute was resolved. I was told that I would be notified when the dispute was resolved and the next payment date, if applicable. I was never informed of the resolution of the matter and that servicing had been resumed until I called on   XX/XX/XXXX   at which time I was never informed about when the payment was due or that it had to be paid before    XX/XX/XXXX    to avoid negative reporting prior. Despite numerous requests o n  XX/XX/XXXX ,  XX/XX/XXXX ,  XX/XX/XXXX ,  XX/XX/XXXX  and  XX/XX/XXXX  to obtain this information in writing via mail, I still havent rec eive anything. On     XX/XX/XXXX  when I called AES the last time, I was told that this information was sent to the borrower on  XX/XX/XXXX , but not the person that actually filed a fraud allegation against the borrower, which was me. Despite me opting not to receive electronic correspondence, on  XX/XX/XXXX  a  letter attached hereto as Exhibit A was sent to the paperless inbox entitled Loan Information for :  XXXX   XXXX  with a very cryptic message stating : This letter is in response to the to the Identity Theft/Fraud allegation.  The Guarantor of t he above-referenced loans disapproved the allegation based upon review of documentation. I was not aware of this letter until I spoke to the representative on     XX/XX/XXXX .  Accordingly, I was never given an opportunity to pay the past due balance ( which I should have been notified of since Im the listed as the co-signer ), which dated back to the time I filed the fraud allegation and was only due to servicing being suspended during the investigation. In essence, I was penalized for filing a fraud allegation due  to AES and the Lender failing to communicate the resolution of the case and when the payment was due. I also filed a credit dispute for AES erroneously reporting the  loans 90 days past due without notifying me the loan had even gone into repayment. I was informed today,   XX/XX/XXXX , tha t the information reported to the credit bureaus was determined to be valid, but I was not informed of a way to dispute the decision. In addition, I have still not been informed of the reason for the denial of the fraud allegation or the process for appealing, and AES will not send me another fraud package so I can resubmit the claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: NY

Complaint narrative:
I am an  XXXX   XXXX   XXXX   XXXX  senior citizen who is a surviving spouse of a  USA Veteran. Sho rtly after my husband passed away, I applied for a new mortgage on  XXXX   XXXX ,  XXXX , with  XXXX   XXXX   XXXX e  XXXX   XXXX   XXXX  At that time I did n't know that it was an " Interest Only Period Fixed Rate Note Loan #  XXXX . Shortly after that the loan was sold to  XXXX  and then to The   XXXX   XXXX   XXXX   XXXX ,  Loan #   XXXX . My niece "  XXXX   XXXX  who is my Attorney-in-Fact has been assiduously working on this Loan Modification since  XXXX   XXXX ,  XXXX  A counselor   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    XXXX   XXXX   XXXX   of the  XXXX   XXXX  on  XXXX  informed us that it was a " Predatory Lending Mortgage ''. At our first foreclosure settlement conference on  XXXX   XXXX ,  XXXX , a court appointe d Lawyer ,  XXXX   XXXX  informed us once again, that is was a Predatory Note. At the Foreclos ure Prevention   Unit at t he  XXXX   XXXX  Court House,  XXXX   XXXX , an Attorney Fellow stated in in his email to us dated  XXXX , that he could now say that this Predatory Loan was not supposed to raise her monthly payment amount that increased it by over {$500.00} - a 25 % increase! We are not sure, but we think that these lenders  violated the Truth & Lending Act/TIILA and we may have grounds to file a Civil  Lawsuit. The most recent  Loan Servicing Company  that denied the last  Loan Modification was, Bayview Loan Sevicing, LLC. ( See Attached l etter dated  XXXX   XXXX ,  XXXX  ).

Company response to consumer: Closed with explanation