vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-06-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Seterus, Inc.
State: VA

Complaint narrative:
In  XXXX   2013  a Chapter  XXXX  Plan of Reorganization was confirmed b y the Federal Court for myself. Such plan included a debt reorganization of the subject loan with a Lien Strip on th e subject property to a fair market value of {$220000.00}, and an unsecured portion of {$94000.00}. The mortgage company had the option to apply fo r 11 U.S.  C. 1111 ( b ) option to secure the debt in full but opted not to within the allotted time ( see plan of reorganization page 7 and 8 ). M ortgage company continues to claim the principal owed on the property is approximately {$300000.00}. The amount of the principal balance is incorrect, as are the way the payments have been applied, as per the Confirmed Plan of Reorganization and the bank needs has ignored my requests and refused to correct the situation.

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 2017-06-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: IL

Complaint narrative:
I have attempted numerous of times within the past 2 years to pay off a balance that was owed to  XXXX  University. At the time I was not able to afford to pay off my balance and it went to a collection agency. During that time I have attempted to pay in full 3 times but they would not allow me to pay the {$1200.00} balance but instead they wanted me to pay {$1500.00}. I am a single parent trying to further my education and at this time I am ready to pay the {$1200.00} in full. At this point I have asked  XXXX  would they accept the payment in {$1200.00} and they would but it would be turned over to the collection agency which charges an extra {$400.00}. Please let me know how I can get this resolved.

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 2017-06-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Scott Lowery Law Office, P.C.
State: DE

Complaint narrative:
P. Scott Lowery, P.C. has been harassing me for years about debt they purchased from a Credit Company and  pursued it in court in a case against me that was given a default judgement because I had neither means to know about, or attend to in any form or fashion due to extreme hardship at the time of their filing.     It 's been over 6 years and they 're still periodically getting my address and sending me paperwork attempting to acquire information to take money from me without my consent through a banking or financial agency, and I do not have the means to get representation on my own. The paperwork contains threats of " Filed as  in Contempt of Court '' for not answering , but I have reason to be suspicious of the reasons they are pressuring me to sign these documents.     The debt is from  XXXX , and was filed in court in  XXXX  without my knowledge. I am a  XXXX   XXXX  veteran, and I can neither afford representation, nor can I afford to pay them, or deal with any potential trouble they can put me through, and due to my  XXXX  discharge being the reason I got left with the debt in the first place. I 'm unemployed and I can not work, and I refuse to give them any information that could be used to make my life miserable because of the system we currently live in.

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 2017-06-18 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Capio Partners, LLC
State: FL

Complaint narrative:
I pulled my  XXXX  Credit Report today,  XXXX   XXXX ,  2017  and there are  XXXX  collections on it just reported in  XXXX . I have not received any communication prior to them being reported to the credit Bureau by this collection agency I can identify.     I have highlighted the  XXXX  collections that appeared on my bureau from snapshots I took from the  XXXX  website noting the reported date as  XXXX ,  2017 .

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-18 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
My bank account always slow when it come to send the app that am using information about the that I have in my amount.

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 2017-06-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
I have been  trying for several years for help the last time Wells Fargo helped the lady went up on my years and on my payments so that sure did not help me. I was told take this or get out of my home by a lady at Wells Fargo when I  had hired someone to help me and the lady at the law firm said she had never heard such. But I was told to take this with higher payments or get out. Now they are trying to foreclose on me and I have begged for help and I am underw ater by 50.000 or  more and they rather loose all that than give a lower rate.Just dont understand why they rather foreclose than help me stay in my home. thanks  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 explanation
Consumer complaint received 2017-06-18 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Convergent Resources, Inc.
State: CT

Complaint narrative:
I got just  XXXX  cell phone line through  XXXX  on  XXXX   XXXX ,  2016 . The agreed monthly payment was {$50.00}. I paid {$53.00} at the time when I got the phone. Before the end of  XXXX , I received the first bill for over {$100.00}. I sent the agreed on {$50.00}, and inquired what the additional amount was for. They did not reply, but sent the next bill for over {$100.00}. Again I sent and asked why they were charging me those extra money, but they never replied. Again I sent another {$50.00}, and this went on for weeks with no reply from them. I sent in the {$50.00} payment for  XXXX , but they cut the phone off on the  XXXX  of  XXXX  and kept raising the bill, until now they are sending me bill for over {$500.00} and even sent the bill to a collection agency so they can collect the over {$500.00}. Not sure what to do at this time, because I am a senior and they are only trying to rob me!   Also  XXXX   XXXX  sent out advertisement for TV in my area. I have them come out and did the installment after they informed me that the service will ha ve 20 channels including those in my area. The technician who did the work assured us that all my channels are  somewhere there, but when we searched, they gave me a lot of channels that were not in this area. They refused to come back and take their equipment, but just sending me bills for hundreds of dollars. I informed them from I discovered that they cheated me, although I paid them  about three months, and sent in a complaint for them to give me my local channels, or take their equipment ; the onl y reply from them is the high bills. Please do what you can to assist me at this time. Thank you so much

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 2017-06-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I receive many offers for credit cards & other financial products & services from Experian via the internet. my site is  XXXX  XXXX  XXXX . I am the only person with access to my accounts or online banking, other. I respond with an application. I am always denied credit. I have excellent credit, I have existing credit cards. I am a theft victim at my primary bank,   XXXX   XXXX   XXXX  , the theft was acknowledged, it occurred from  XXXX 16- XXXX 16. I was in a facility at the time. there was theft at the teller window of my bank. this has been notorised and submitted by a judicial of the   XXXX   circuit court   XXXX   XXXX   florida  usa. t he presiding judicial is h. judge   XXXX   XXXX   the attorney is  XXXX   XXXX ,   XXXX   XXXX  ., he can confirm I have excellent credit. I am a long term victim of credit card theft & credit denial, & other financial criminal acts & hate crimes.

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 2017-06-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Convergent Resources, Inc.
State: AR

Complaint narrative:
I moved from my hom e  XX/XX/XXXX  I  contacted  XXXX  to schedule to have power disconnected from the address. They set it up for XX/XX/XXXX  . T hey explained to me that my deposit would cover my last bill. So around  XX/XX/XXXX  I noti ced they put a charge off on my report under all  XXXX  bureaus in the amount of {$240.00}, it didnt show up as a collection account but under a regular account showing it was opene d XX/XX/XXXX  and closed XX/XX/XXXX . Th ey mafe No contact with me regarding this account before it charged off. Then a month later I received a letter from a collection agency regarding this account. I called them and they advised me to contact  XXXX  which I did and they are claiming they didnt put it on my report and that my deposit covered the amount., but its still showing. I 've disputed it several times through the bureaus but it always comes back as " verified '' and not " validated ''

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 2017-06-18 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: SERVICE 1ST MORTGAGE, INC.
State: FL

Complaint narrative:
To whom this may concern, I received a letter in the mail about a special offer for VA loan for 2.25 % back in  XXXX .  2017 . So I called  1st s ervice mortgage that 's in  XXXX  Fl, to ask about the offer. I was told yes I qualified for the offer becau se my credit score wa s high enough and I have n't miss any payments on my loan. He proceeded to tell me that I can miss the f irst two months of payments and make my first payment on the third month. My rate will stay at 2.25 % for three years and only go up 1 point after the 3rd year. Then I can lock my loan in for 30years at 3.25 % as long as I keep my credit score up ov er  XXXX . So I ask him what happens if I do n't keep my score up, then he said I need to get out of the loan because my % rate will go up. So I said as long as my credit scores stay up I can stay locked in for 30 years at 3.25 % and he said yes. I wanted to be sure of that percentage rate because  my 1st loan was at 3.87 % and I was n't going to take a loan that would put my interest higher than my 1st lo an was. So we did the closing on  XXXX   XXXX ,    2017  and he also said that I would get an escrow return back between {$2000.00} to {$2200.00}. I only received {$1100.00} back and a smaller escrow of {$200.00}, but I only received {$100.00}. Now I found out that my  credit score has nothing to do with locking my rate in, it 's determined by the market so my % rate will go up any way. I have learned that they will charge me way to much to do a VA loan like this. The loan officer i s  XXXX   XXXX  who made the loan and my pay off for the loan was {$210000.00} the amount is now {$220000.00}. I find out this was to much.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Fidelity National Information Services, Inc. (FNIS)
State: TX

Complaint narrative:
I received a " second notice '' fro m Complete Payment Recovery Services  @  XXXX   XXXX   XXXX ,  XXXX , AL  XXXX . It stated  XXXX   XXXX   XXXX   XXXX  wrote a bad check ( #  XXXX  ) at  XXXX  #  XXXX  on  XXXX / XXXX / 17  for {$130.00}, creditor is Certegy Check Services.  CPRS  is demanding {$170.00} from a non-existent company at my home address. The phone # for  CPRS  on the letter is  (   XXXX   )   XXXX  and is not the same as a number online. CPRS wants immediate payment by phone.

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 2017-06-18 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: LendKey Technologies, Inc.
State: IN

Complaint narrative:
I mailed a letter to LendKey on  XXXX   XXXX ,    2017  about an unauthorized inquiry on my   XXXX   credit report from their company. I suspect this is fraud. I asked them to remove the inquiry, and to forward any documents that showed I agreed to apply for credit from them. I have not heard back from them yet.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-18 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: PRIMELENDING, A PLAINSCAPITAL COMPANY
State: NC

Complaint narrative:
In  XX/XX/XXXX  I hired  a licensed builder to add an addition that included a garage, bedroom, bathroom and bonus room to our home. The builder contracted a licensed  architect ,  XXXX   XXXX  to draw up plans for the new addition. The  Plans  were finalized and signed by    XXXX   XXXX   in  XX/XX/XXXX .   <P/> Meanwhile I contacte d   XXXX   XXXX   of Prime Lending in   XXXX  , NC in  XX/XX/XXXX  to start putting together a construction loan for the new addition. The construction loan documentation was completed and the closing was in  XX/XX/XXXX .   <P/> The town advised us that we needed to   replace the septic. My current builder   XXXX   XXXX   had no experience septic builds so in  XX/XX/XXXX  I terminated my contractor   XXXX   XXXX   and hired   XXXX   XXXX   friend   XXXX   XXXX   who is a licensed builder already vetted by Prime Lending to complete the addition because he was more knowledgeable about septic builds.
<P/>  Draws against the construction loan were taken to pay for : the time the original builder put in a new septic to accommodate the additional bedroom and bathroom a new water heater.  <P/> On   XX/XX/XXXX ,  XXXX  co ntacted me via text saying that a problem came up with the town. It turned out that the current setback did not accommodate the new garage addition. No one checked with the town during the drawing up of the plans.   The builder,  XXXX , drew up a new addition that was aesthetically disappointing and did not include a garage.  <P/> In   XX/XX/XXXX , I  contacted  XXXX   XXXX  and told him that the construction money would have to be paid towards the mortgage principal because we could not go ahead with the addition. He stated that this was the first time theyve ever done this so they will have to research to find out what to do but his underwriter did not contact   XXXX   XXXX   for direction un til Mid- XX/XX/XXXX .   <P/> I filed a complaint with    XXXX   XXXX   in  XX/XX/XXXX  but they have not resolved the issue I am paying interest on {>= $1,000,000} that is sitting in an account making Prime Lending money when it should have been transferred to my mortgage loan principal in  XX/XX/XXXX  when I first made the request. Repeated status requests to Prime Lending get me nowhere. It seems that they are happy to let my money sit in their account earning them interest while I pay interest on money that I have no control over.

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 2017-06-18 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: DISCOVER BANK
State: PA

Complaint narrative:
I am the cosigner to my son 's student loan and I would like removed from this loan. Also, it is an adjustable rate loan and it keeps going up and up. Help.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Fidelity National Information Services, Inc. (FNIS)
State: TX

Complaint narrative:
I received a " second notice '' from  Complete Payment Recovery Services  @  XXXX   XXXX   XXXX ,  XXXX , AL  XXXX . It stated  XXXX   XXXX   XXXX   XXXX  wrote a bad check ( #  XXXX  ) at  XXXX  #  XXXX  on  XXXX / XXXX /  XXXX   for {$130.00}, creditor is Certegy Check Services.  CPRS  is demanding {$170.00} from a non-existent company at my home address. The phone # for  CPRS  on the letter i s (   XXXX   )   XXXX  and is not the same as a number online. CPRS wants immediate payment by phone.

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 2017-06-18 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Diversified Consultants, Inc.
State: GA

Complaint narrative:
I was notified by XXXX XXXX that there was a change on my credit reports and when I checked there was a negative remark about a collections debt from Diversified Consultants, XXXX, FL for a debt owed to XXXX XXXX. Diversified Consultants has never contacted me in writing allowing me the right to dispute this debt, which was originally disputed back in XX/XX/XXXX when XXXX XXXX was trying to collect the debt for XXXX XXXX. The Diversified Consultants basically notified me of this debt when they placed the negative remark to the credit agencies. Back in XX/XX/XXXX, I submitted a complaint against XXXX XXXX and XXXX XXXX, complaint # XXXX, regarding the same notification practices. At that time, the complaint was resolved by the debt being disputed, the negative remarks deleted from my credit report and it being closed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-18 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: NJ

Complaint narrative:
I found items has been reported to my credit history that 's not even belong to me and those items has damage my credit and my financial life

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 2017-06-18 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: CITIBANK, N.A.
State: NY

Complaint narrative:
On  XXXX / XXXX / XXXX  I made a  purchase through the Citi Travel Rewards website for a flight in the amount of {$310.00} with my Citi Prestige credit ca rd.     According to the stated rewards and benefits of the card, I am entitled to a {$250.00} travel credit per calendar year for purchases made with the credit card. I made a travel related transaction last year in  XXXX  on  XXXX / XXXX / XXXX  for a  XXXX  flight in the amount of {$260.00} and was successfully refunded {$250.00} one week later on  XXXX / XXXX / XXXX .     Citi is not issuing me the travel credit for my  XXXX / XXXX / XXXX  purchase, however. This is especially problematic for me since I had intended to close my car d two mo nths ago, but have been waiting for the travel credit to hit my account. I now have a {$350.00} annual fee on that has hit my account on  XXXX / XXXX / XXXX  as a result of waiting. And because so much time has elapsed, I have now already paid the fee as part of my last closing statement.     I called t he Citi customer service on three separate occasions and reached three different customer service representatives. Each of them told me that my issue is being caused by a bug in their system that does n't recognize purchases through the Citi Travel Rewards website, but i t should be eligible for the {$250.00} travel credit. I was told by all three of the representatives that I just need to wait since there is nothing they can do and the credit will be issued to my account eventually.     I then sent a message to customer service and received a reply on  XXXX / XXXX / XXXX  telling me that the charge was ineligible since it was through the   Citi Travel Rewards website. This is despite all three other customer service reps saying it was actually eligible after checking with their manager. I responded to this message and asked them to please verify and was given a generic response telling me to send a letter to the " Office of the President. '' It has now been over two months and no resolution is in sight and the customer service team says they have no way to help me or is giving me conflicting information and is not confirming what is correct or not. Should I be waiting? Should I not? I feel that I have been wrongfully forced into keeping my card open so that Citi could collect a {$350.00} annual fee while they hold my {$250.00} travel credit hostage so to speak.
Your help here would be greatly appreciated.        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 monetary relief
Consumer complaint received 2017-06-18 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: NJ

Complaint narrative:
I found items has been reported to my credit history that 's not even belong to me and those items has damage my credit and my financial life

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