vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-10-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: NV

Complaint narrative:
I responded to the most recent denial letter I received. The denial letter states that I was denied due to a negative NPV test. Since they could not bring my payments down, i was denied for a loan modification. Well, in reviewing the inputs, I have realized that the calculations are inaccurate. I would understand why this would lead to a denial. The current interest rate is incorrect. I am currently at a 4 % interest rate and the rate that you have is 6.5 % which will not be occurring until next year. This would make sense why they couldnt bring my payment down. They are not using the correct interest rate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: TD BANK US HOLDING COMPANY
State: MA

Complaint narrative:
ON XX/XX/18 I ANSWERED TO A XXXX AD THAT WAS ADVERTISING FOR WORK. A MALE NAME XXXX ANSWERED ME AND STATED THE FOLLOWING TO ME, I WORK WITH XXXX XXXX XXXX. WITHIN THE LAST YEAR A PRIVATE MONEY ORDER COMPANY HAS BEEN TRYING TO TEST AND IMPROVE THEIR MONEY ORDERS. THE OVERALL GOAL IS FOR THE MONEY ORDERS TO CLEAR WITHIN HOURS INSTEAD OF DAYS. EVERY TIME I HELP TO TEST THEIR MONEY ORDERS, XXXX GET PAID. XXXX FURTHER STATED THAT ALL I HAD TO DO IS WITHDRAW WHAT I DEPOSIT AND ASKED WHAT BANK I WAS WITH AND WOULD I BE WILLING TO OPEN AN ACCOUNT FOR IT WITH TD BANK AND THEY WOULD PAY THE OPENING FEES AND AND THAT I CAN EARN {$1000.00} PER WEEK. I STATED THAT I WILL GAVE XXXX THE BANK INFORMATION AND MY HOME ADDRESS AND FOR IT TO BE DEPOSITED. XXXX TOLD ME TO MAKE SURE I GOT A MOBILE BANKING ACCOUNT TOO AND THEN ASKED FOR THE ACCOUNT NUMBER AND ALL MY PERSONAL INFORMATION. I STATED THAT I SAW THAT A CHECK WAS DEPOSITED AS PROMISED INTO MY ACCOUNT, FOR {$3400.00}, SO I BELIEVED XXXX.. SHORTLY AFTER THE DEPOSITED, {$3200.00} WAS WITHDRAWN FROM MY ACCOUNT. I TRIED TO GET IN TOUCH WITH XXXX AND EXPLAINED WHATS WAS GOING ON AND XXXX DIDN'T RESPONSE BACK TO ME. I SENT HIM SEVERAL TEXT MESSAGES STATED THAT I DID NOT WANT TO BE INVOLVED IN BAD SITUATION LIKE THIS FOR MY FINANCIAL FUTURE. I ATTEMPTED TO GET IN TOUCH WITH XXXX SEVERAL TIME WITH NEGATIVE RESULTS.. TD BANK WAS ADVISTED TO MAKE A POLICE REPORT. I WAS ADVISED THAT A REPORT WAS DONE AND IS ON FILE WITH THE ( XXXX POLICE DEPARTMENT ) IN XXXX MA,XXXX ( XXXX ) XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Resurgent Capital Services L.P.
State: SC

Complaint narrative:
XXXX XXXX XXXX was discharged in my bankruptcy but as soon as my bankruptcy was completed and closed, I started to receive letters from XXXX XXXX, Account Manager of XXXX XXXX XXXX , XXXX XXXX XXXX XXXX, XXXX , MN XXXX, XXXX trying to recover payment ( overnight to XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX , MN XXXX ). XXXX XXXX XXXX , XXXX lists the current creditor as XXXX XXXX XXXX and the original creditor as XXXX XXXX XXXX XXXX. I responded advising that this debt was discharged in bankruptcy via mail. I have tried numerous times to reach the toll free number of XXXX -- XXXX but there is never anyone to answer and the voicemail is full.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Convergent Resources, Inc.
State: WA

Complaint narrative:
In early XX/XX/XXXX I returned a pair of new XXXX phone. XXXX claimed I did not turn in the phones timely when I in fact did. They later agreed and dropped the claim. However, later in XX/XX/XXXX I learned they sold the alleged unsresolved debt to a debt collector. When I challenged the collector for documentation and they learned it was insufficient, they dropped the claim. In XX/XX/XXXX another collector reached out to me and I filed a complaint with the FCC ( attached ). That collector then dropped the claim. 

Now in XX/XX/XXXX, another collector comes to collect the alleged debt because XXXX has not pulled back their claim from the debt database. The collection is showing on 2 of my credit bureaus and when I contested it, the debt collector XXXX XXXX immediately confirmed it without verifying the underlying debt exists. I am suffering credit consequences for the unlawful reporting of this alleged debt to the credit bureaus. Furthermore, XXXX XXXX posted the alleged debt as occurring in XX/XX/XXXX in their reporting which is also inaccurate. 

Before going serving a lawsuit on XXXX and XXXX XXXX, I am hoping to resolve the issue via the CFPB as soon as possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
On or about XX/XX/2018 I changed the terms of my loan repayment ( I made it such that I was able to keep making payments at around {$120.00} for the next two years as I had been doing already rather than having the payments increase ). Since then, Navient has called and emailed me constantly telling me my loan is due. I make my payments timely ( they are automatic ). I've made 3-4 requests to the company to opt out of communications but they ignore my requests. I feel this is harassment to continuously contact me when I am already making timely payments. The dates Navient has contacted me include : early-XX/XX/2018 - via phone : automated recording ( I have an " important message regarding my loan ''. When I called Navient told me I had an upcoming payment. My payments are due on the XXXX of every month ).

XX/XX/18 - via email - " We haven't received your loan payment - please make it soon '' ( again, my payments are due on the XXXX of every month ).

XX/XX/18 - via email. " Thank you for your payment, it posted to your account. Amount is {$120.00}. '' XX/XX/18 - via email. " Your student loan payment is due. Your last payment was made on XX/XX/18. We're sending you this payment reminder. '' I called Navient in or around late XX/XX/XXXX requesting to opt out of all communications. I spoke with a woman who told me that I wouldn't receive any further communications.

XX/XX/18 - via email. " We haven't received your loan payment - please make it soon. '' The email explains ways that I can pay.

XX/XX/18 via phone : automated recording ( I have " important message regarding my loan ''. When I called in a male rep told me I had an upcoming payment. When I asked to speak to a supervisor I was on hold for 30 minutes, got hung up on and no supervisor ever came.

XX/XX/18 - via email - " We've sent you information about your loans that are past due. '' XX/XX/18 - via email - " Thank you for your payment. Date posted XX/XX/18, {$120.00} ''.

XX/XX/18 via email - " Your student loan payment is due. Your last payment was made on XX/XX/18.

XX/XX/18 - We haven't received your loan payment, please make it soon. '' XX/XX/18 - Called Navient and spoke with a male customer service rep. He confirmed my account is current and not overdue. I told him about these issues and he advised he is taking me off the email and phone lists. It wasn't done before.

I want to ensure moving forward Navient actually removes me from their lists and I won't be harassed by Navient in the future for payments on my account since my account is current.

Thank you for your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: BARCLAYS BANK DELAWARE
State: CO

Complaint narrative:
I have transferred balances under a 0 % interest offer ( I have multiple due dates for these transfers ) with Barclay Card. I consistently pay far more than the monthly payment requested. These payments are always applied to the transfer that has the soonest due date under the 0 % interest rate. I had a balance that was due on XX/XX/2018 of {$530.00}. I submitted a payment of {$700.00} on XX/XX/2018 and a payment of {$250.00} on XX/XX/2018. When I reviewed my statement released on XX/XX/2018 it showed they applied those payments to amounts not due until XX/XX/2018 leaving a balance on the amount due for XX/XX/2018 of {$160.00} that will incure an extremely high interest charge. This has not been occuring with other payments in the past year which implies it was purposefully applied this way to create an interest due on this amount. I am contesting the legality of this since the response from Barclay Card is a consistent 'any amount paid above the minimum payment each month must be applied to your highest Annual Percentage Rate ( APR ) first, until each APR balance is paid. It does not specify that it must be applied to the APR balance that is expiring first. Therefore, any amount paid above the minimum payment may be  applied to either balance if they are at the same rate. ' Since all balances have the exact same interest rate and the precedent for ALL of the previous payments that were over the minimum payment were applied to the balance due first this statement was not applied until this balance due date. This is not an ethical or fair distribution of the amounts paid to this card for this promotion.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-05 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Pendrick Capital Partners Holding, LLC
State: IL

Complaint narrative:
They've sent me a resolution agreement letter offering me to pay a lesser amount in order for them to stop harassing me ... ... .Here is the information of the offenders ; When you've fallen behind on payments and your debt is sent to a collections agency, you can end up with a Derogatory Mark on your credit report. This often causes a pretty big drop in your score. Learn more about accounts in collections. 
Between XX/XX/2018 and XX/XX/2018, a new account in collections was added to your report. The collection agency is XXXX XXXX XXXXXXXX. The original creditor was XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Somebody stole my card it had my pin behind it and now a lot of transactions was made which it wasnt me at all I called the bank and let them know about it cause it wasnt me and now cause of them I cant open a new bank account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Exeter Finance, LLC.
State: NY

Complaint narrative:
Exeter finance is intentionally violation the FTC FCRA rules by intentionally reporting balance inaccuracies to the credit bureaus. I have disputed the balances and the status of the account multiple times and Exeter returns with a difference balance that they intentionally know is incorrect in order to impact my credit. The account is reporting in a charge off status, each month they report the account as a charge off, however, the balance is incorrect, the date of initial delinquency is incorrect and the account is managed/sold to XXXX XXXX, who contacts me about the balance. 

Per their website the balance remaining on my account is {$14000.00} as of XX/XX/XXXX. The terms is reporting as 73 months and not 72 months per my Exeter statement. I disputed the balance in XX/XX/XXXX and they returned stating the balance is {$21000.00}. I disputed the balance again in XX/XX/XXXX, on one credit bureau report they stated " Account charged off. {$24000.00} written off. {$21000.00} past due as of XX/XX/XXXX '' to XXXX. The statement of {$24000.00} being written off is a factual inaccuracy and it is the obligation of the creditor to report factual information or delete, update or remove the account. 

Per my Deficiency letter dated XX/XX/XXXX, the vehicle was sold for {$10000.00} with all of their fees the deficiency balance is {$17000.00}. Again, this was dated in XX/XX/XXXX which means all of the reporting after XX/XX/XXXX with the inaccurate balances was based off of inaccurate information from Exeter. An intentional effort to report false information and a clear example of Exeter failing to abide by the FCRA rules. 

Again, I have disputed this account for years, at each attempt at disputing the balance is returned with a different amount which is in violations of the FTC FCRA 623 ( b ) ( 1 ) which states If a CRA notifies you that a consumer disputes information you provided, you must : investigate the dispute and review all relevant information provided by the CRA about the dispute ; report your findings to the CRA ; provide corrected information to every CRA that received the information if your investigation shows the information is incomplete or inaccurate ; and modify the information, delete it, or permanently block its reporting if the information turns out to be inaccurate or incomplete or cant be verified. FCRA 623 ( b ) ( 1 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Rocket Mortgage, LLC
State: ME

Complaint narrative:
I have been trying to work with Quicken Loans, representative XXXX XXXX, XXXX XXXX. singer Point of contact Direct phone # XXXX. I have been trying to sell my home for almost 2 years that I owned with a previous partner. We are no longer together and neither of us can afford the home on our own. Where we have been unable to sell the the home I reached out to Quicken this summer and was connected with a representative. I was told without applying for anything that I didn't qualify for any programs because I was current and my credit score was too high. I then met with a housing counselor and we spoke to XXXX XXXX on XX/XX/2018 sometime after XXXX XXXX  EST. He again told me that I would not qualify for anything and discouraged me from applying even though he had not reviewed my financials. He wanted to push me towards a short sale and sent me an application with incorrect information that he would not correct. I printed the application, fixed the errors and sent it back in. I was denied and when I again spoke with him he seemed upset that I had applied at all. He told me to lower the selling price even though I would not qualify for a short sale and ask the real estate broker to not be paid any commission. He has not been helpful, he has been rude and making assumptions he has no right to do. I can not afford to retain this home and want to work with quicken for the best exit possible for both of us, but need a representative that will work with me and not against me. Also, I can not get them to send all correspondence to my current address that is not the home. They do have my correct address on file, but continue to send information to the vacant home.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On XX/XX/2018 I stopped at a Chase bank atm on XXXX XXXX XXXX XXXX XXXX fl XXXX ; to make a deposit of XXXX for rent. The machine took my money and gave me an error. i ran inside bank to file a complaint. I was told it would take only 12 hours, later that it would take 2 hours instead of the full 12. I called again that night to find out the status and was told 10 days. I have rent due and cant make any payments now. The specialist on the phone are not helping whatsoever. I feel like this should not be a burden on me if this is the fault of an error with one their machines/ equipment. I'm very devastated and can't believe this bank is treating me like this. I make about the same deposit for rent every month.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-10-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: U.S. BANCORP
State: OR

Complaint narrative:
I WENT PERSONALLY IN TO THE US BANK IN XXXX OREGON. I SPOKE WITH THE BANK MANAGER 13 1/2 YEARS AGO AT THAT TIME WE SAT DOWN WENT THROUGH THE PAPER WORK AND IT WAS RESOLVED BY THE MANAGER AT THAT TIME. I HAVE NOT KEPT THE PAPER WORK ON MY END BECAUSE ITS BEEN OSO LONG I DIDNT FEEL I NEEDED TO HANG ONTO THE PAPERS FOR THIS LONG OF TIME. THE AMOUNT WAS AROUND $ XXXX-XXXX DOLLARS AND NOW THIS COLLECTION AGENCY WANTS OVER {$3000.00}. THE ACCOUNT WAS OPENED IN XX/XX/XXXX CLOSED IN XX/XX/XXXX ACCORDING TO THE COLLECTION AGENCY. I HAVE NEVER RECIEVED ANY TYPE OF NOTIFICATION OF THIS DEBT UNTIL XX/XX/XXXX AND HAVE BEEN THREATED TO BE SUED FOR THE MONEY. mY BANKRUPTCY LAWYERS WERENT AWARE OF THIS DEBT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Fidelity National Information Services, Inc. (FNIS)
State: NY

Complaint narrative:
Being retired, I depend on interest I earn on balances I keep with online banks. I recently applied to open two online banking accounts, both paying 2.25 % p.a. interest.

The first one, XXXX, turned me down and mailed me a 'Notice of Action Taken ' which I am attaching to this complaint. The Notice mentions that the Bank obtained my credit score from ChexSystems , Inc. and that my score is XXXX. My credit score having never been under 800 and currently hovering at XXXX has never been an issue, I was dumbfounded. I have several other online bank accounts. I have no debts or mortgages.

Trying to contact ChexSystems proved impossible, but I was able to file a request for information after having indicated I had recently been refused. The letter that I have received from ChexSystems shows no reported information mishandled.

I have now also been turned down for an online banking account by XXXX.

I feel powerless as ChexSystems has ruined my chances to open these two accounts. It is fair to assume this will happen next time I try to open a bank account. Since there is no way to way to speak to a human at ChexSystem, the feeling of powerlessness is even stronger.

I appeal to CFPB to contact ChexSystems and have it send corrected information to both banks mentioned so that my applications to open accounts may be approved. 

Thank you in advance. I am attaching documents in support of everything I have mentioned above. 

Kind regards, XXXX XXXX XXXX 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 explanation
Consumer complaint received 2018-10-05 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Bank of America charging me maintenance fee of {$5.00} every month. Customer care representative told me that they announced about changes to Saving account in XX/XX/XXXX via monthly statement ( Paperless ) that any account without daily balance of {$300.00} will have to pay this fee. I just checked my savings account now ( almost one year later ) that BOA is charging {$5.00} every month. 

When i requested that they should have used better means on communicating a change in service which needs an action from account holder, they didn't have a better answer. I see this as a stealing from customers with sneaky means of communication. 

It happened with me earlier as well in XX/XX/XXXX & XX/XX/XXXX where they used to charge {$1.00} fee and when questioned they used to revert back the charges saying that its software problem. 

How can we make sure that BOA is not stealing our money. 

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 2018-10-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Quickly prepare and forward a careful documentary review demonstrating that these tradelines appear without errors on my credit report and that any statutory guarantees are not summarily refuted. 

XXXX XXXX XXXX XXXX sent me a letter stating that they are no longer collecting on this debt and it will be deleted from all credit reporting agencies. Please see attached letter as proof.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: IN

Complaint narrative:
I HAVE REACHED OUT ON SEVERAL DIFFERENT OCCASIONS REQUESTING INFORMATION FROM THIS COMPANY TO PROVIDE ME WITH SPECIFIC INFORMATION PERTAINING TO DEBT THIS COMPANY IS SAYING I OWE, WHO HAS GRANTED THEM THE AUTHORITY TO COLLECT THIS DEBT, WHEN DID THEY ACQUIRE THE DEBT, AND A COPY OF THE AGREEMENT I SIGNED WITH THE COMPANY THAT BEARS MY SIGNATURE THAT LEGALLY BINDS ME TO TERMS THAT REQUIRE PAYMENT WHICH CONSTITUTES COLLECTION AND REPORTING ON MY CREDIT. THE COMPANY HAS FAILED TO PROVIDE ME WITH THE INFORMATION I HAVE REQUESTED YET THEY ARE STILL REPORTING INFORMATION NEGATIVELY ON MY CREDIT REPORT.. I HAVE BEEN REQUESTING THE SAME INFORMATION FOR SEVERAL MONTHS WHICH IS A RIGHT I HAVE UNDER FCRA AND FDCPA. THIS COMPANY HAS NOT SENT THE INFO OR PROVIDED ME WITH PROOF IN A TIMELY MANNER WHICH IS AGAINST THE LAW

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