vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-01-15 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: GA

Complaint narrative:
I am disputing the debt owed to Select Portfolio Servicing for Acct # XXXX under the name of XXXX XXXX. 
Select Portfolio Services my loan on behalf of XXXX XXXX XXXX XXXX XXXX, as Indenture Trustee, for the benefit of the holders of the XXXX XXXX   XXXX XXXX XXXX Mortgage Backed Notes. 
I dispute the legitimacy of the XXXX XXXX XXXX XXXX XXXX Mortgage Backed Notes. 
I have asked Select Portfolio multiple times for information on this trust and have never gotten a straight answer describing or proving it's existence. This is unacceptable to me. 
I have fallen way behind on this mortgage payments mainly because there has always been an issue with the way this mortgage has been serviced. There have been many deceptive practices by Select Portfolio Servicing. 
They seem to be more intent on foreclosing on this property than giving me the answers I need to have confidence on where my money is actually going. At this point I would be blindly paying them just to keep my house from being foreclosed on. 
I have spoken to XXXX XXXX  and they can't even give me information on the trust.They tell me that it is XXXX XXXX who has the information on the trust ... I call them and nobody and can me anything about it. I talk to the folks at Select Portfolio and they know nothing as well. This is very odd to me. 
I want to settle this and get my mortgage back on track. I have the funds to get things back to where they should be I just need some clarity on where my funds are going. Thus should not be such an outrageous request.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-15 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
I have begin paying my Citibank student loan since XX/XX/XXXX, religiously. The only times I have ever missed a payment is if I was having financial difficulties or was ill. In XX/XX/XXXX, my account was closed and transferred to XXXX which is a XXXX extension and still under Citibank. How are they allowed to close accounts and move around under different shadow names without being noticed. The original loan amount was {$6400.00}. I have now Paid over twice the amount of the original loan plus XXXX extra. I have noticed that every 3 months they increased my interest rate by .25 %. Not only that, but I printed my account payment for XX/XX/XXXX from my online account portal for one amount in late XX/XX/XXXX after XXXX and I received my bill in the mail for same amount due on same date for a different amount. On my credit report they have placed remarks such as affected by natural disaster and I have never disclosed anything of that nature to them. I'm just at my wits end with what they are doing. I want to know if this is right and/or legal? It can't possibly be!!! It states on my credit report for this account that I'm in a repayment term of {$110.00} x 240 months which equals {$27000.00} for a {$6400.00} loan which equals XXXX times the amount borrowed. Furthermore, if I even called to ask for some sort of leeway, there was no compromise and always an excuse as to why I couldn't get an valid extension. I can not access my Citibank account whatsoever to print out all my prior payment information. I have done this on my XXXX account to investigate why have my loan really not done much going down. I have realized that not only are they increasing the interest every 3 months but they are also not applying all my payments to my Principal balance but instead are apply most of my payments to interest. Please help me figure this out, because this XX/XX/XXXX makes 8 years with no end in sight. I honestly feel like something is not right. I am disgusted and desperate. 

These are the actual payments made each year. I have proof of everything. 

Year. [ Actual Payment Due ] = Estimated Amts PAID XXXX XXXX XXXX & XXXX = XXXX XXXX XXXX XXXX & XXXX = XXXX XXXX XXXX XXXX & XXXX = XXXX XXXX XXXX XXXX & [ XXXX for late payment ] = XXXX XXXX XXXX XXXX = XXXX XXXX XXXX XXXX & XXXX = XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX = XXXX [ XXXX, XXXX, XXXX ] = XXXX All Extra Payments XX/XX/XXXX _ XXXX, XXXX, XXXX, XXXX = XXXX Total Paid. XXXX If there is any further information needed. I will be sure to send it over. 


PLEASE, PLEASE HELP!!!!

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 2019-01-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CO

Complaint narrative:
I started the process of buying a house by making an offer on XX/XX/2018. I told USAA over the phone my work history on the XX/XX/XXXX. I was told on the XX/XX/XXXX that I had to meet a deadline of the XX/XX/XXXX, which was to give them all the information that they needed. The date was bolded and highlighted. I emailed them my employment history again ( I had already given USAA this information twice before, once over the phone and once over email. I had asked to e-sign the initial disclosure on the XX/XX/XXXX to which I had never gotten an email reply. I had called multiple times on the XX/XX/XXXX and XX/XX/XXXX to ask if they had received everything. I left voice mails and never got a phone call back. I then learned that on the XX/XX/XXXX USAA sent an email ro my real estate agent, saying that I had started the loan process on the XX/XX/XXXX. I was furious at the effort of USAA. I am most upset that they would lie to my real estate agent about dates on which I started this process. I decided that USAA was not putting for their fair share of the agreement and decided to switch lenders. I then called USAA to ask for a refund on my appraisal fee, since the appraisal was non transferable. On XX/XX/XXXX I was told that is was USAA policy that it is non refundable. The next day I called to ask for clarification and was yelled at, they refused to answer any of my questions and ultimately was hung up on.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-15 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Let me first demonstrate the landscape, the canvas that has been existant for several years now and repeatedly shown in CFPB complaints towards both Capitalone & XXXX ... 

CapitalOne ; a financial institution ; has a combative relationship with XXXX ; a financial institution ; and because of an obvious behind the scene grudge, animosity.. the consumer is damaged, harmed and suffers repeated problematic situations needy of babysitting matters where the banking institution is to remedy, seamlessly and without consumer intervention as a practice. Cap1 can research and find I've had 2 accts with them and the first was short lived when I discovered this behind the scene combative relationship only to discover it was not the specific card, program or theme of the credit line ; but rather followed over to the current Cap1 '' Buy Power '' card/program ... It was this animosity that had me leave the first Cap1 offering, evidencing the longevity of the existing problem. 

XXXX Now for the current chapter of this problem .... 
Because of this existing relationship, XXXX can not /willnot establish a digital bill pay relationship ; as it does with all other financial institutions and other large companies and Cap1 must be paid with alternative method, a check cut and mailed by XXXX   personnel. This issue, distinction of online billpay has always created lengthy delays in payment to Cap1 and has been the source of several complaints regarding an assortment of burden to me as a consumer. Upon immediate need for payment to secure a specific balance adjustment, I've been forced to deviate from XXXX 's bill pay and must go directly to Cap1 and make payment there by some sort of digital transfer directly from my checking acct. 

In my defense, XXXX does have a deficiency showing the option for me to put a hold on those funds after this snail mail check payment vs the immediate pull from the acct that normally occurs and the available balance is reduced from the digital payment.. 

Currently, Cap1 has a check in hand and is refusing to apply the funds to my account and creating further frustration, seemingly as a retaliatory politics to alienate XXXX customers, XXXX flinging as XXXX  does in return with me in the middle. 

I'm sick and XXXX tired of this XXXX, ya 'll grow the XXXX up and treat each others customers ( whom are also your customers ) with respect and timely handling of their financial matters.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-15 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Armcon Corp
State: CA

Complaint narrative:
This company reported very little information to XXXX, so I had no idea what this collection was about, this has intentionally hurt my credit score and  attempts to dispute this was ignored by the collection agency. I called and talked with XXXX  XX/XX/2019 and they informed me the company was XXXX XXXX XXXX for XXXX XXXX. I paid XXXX XXXX directly. Not only does the collection agency not provide information to the consumer on the credit report, but they are also reporting this as an open account in retaliation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-15 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
In XXXX I filed for bankruptcy, XXXX XXXX was included in the bankruptcy. Bankruptcy was dismissed in XXXX. In XXXX Portfolio recovery bought the debt. They have been reporting incorrect information on my credit file. They are stating that on one of my files the account is listed as open, on another account the are reporting it as 120 days past due. I have disputed this information since XX/XX/XXXX. Called and talked to Portfolio Recovery yesterday ( XX/XX/XXXX ) they still will not fix this issue. Isn't is true that Collection agency 's cant report a files payment history?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On XX/XX/2018 and XX/XX/2018 my grandson 's debit card was compromised and two fraudulent changes were made each day to his account. My grandson 's account was linked to my Primary account. My grandson was notified on the morning of XX/XX/2018 of suspicious activity, he told them that the he did not make the withdrawals from the ATM and that they must cancel the card. 
Since then the bank has determined the charges were our responsibility, they have deducted all money from our checking and savings account. I repeatedly asked for detailed information on how the determination was made for our responsibility, this has not been given to us. They continue to say it is our responsibility, yet do not give us documentation to support their position. 
The last correspondence from the bank was a proposal for us to agree to pay more funds to cancel their claim against us. 
I have sent all documentation to the State of Florida Attorney Generals office in the form of a claim against the bank. The State of Florida has suggested that I submit this claim to CFPB. They continue to not provide requested documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: State Collection Service, Inc.
State: IL

Complaint narrative:
I submitted a dispute to State Collection Service for 2 medical bills. State Collection Service first sent me a letter requesting all of my personal  information ( account number, name, address, phone number ), before I could respond to the letter, they ( State Collection Service ) sent me another letter with attachments of all medical procedures that were done at the facility. State Collection Service should not have access to the medical records or medical procedures, this is a violation of HIPAA and my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-15 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: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
When my daughter moved to XXXX in XX/XX/XXXX, she closed her joint Citizens Bank XXXX   checking account with me and opened a checking account with another bank. 

Citizens Bank XXXX  erroneously kept her account open and over the next several months there were charges under {$10.00} to the account to which Citizens added an overdraft fee of {$20.00} each time. Only one of these were charges that I recognized or from a merchant that my daugher or I regularly patronize. I paid that charge and several others even though each time this happened resulted in a $ XXXX- {$30.00} transfer from her overdraft account to her checking account ( returning the checking balance to {$0.00} ) but then I would have to pay the $ XXXX-XXXX overdraft bill. 

Each time there was a charge we didn't recognize, Citizens 800 number agents would apologize and most promised to close her checking account for real so it would stop happening. This went on for months with me paying about {$110.00} for these charges until Citizens finally agreed to close the account and waive the last charge which was not one we recognized, but then Citizens sent me a collection letter to which I replied in detail and never heard more from Citizens.

As evidence that this matter was resolved and no money is due, I have a screenshot of my daughter 's Citizens Bank Massachusetts account ( on which I am a joint owner ) shows no overdraft balance and a checking balance of {$0.00}. 

Unfortunately, in the meantime Citizens Bank without my knowledge placed an eroneouos overdue account notice on my credit report which has never been removed. This is on my credit report so that ( as I found out this morning ) I am being rejected as a guarantor on my daughter 's pending apartment applications in NYC. 

I have tried calling Citizens Bank MA ( XXXX ) to fix this problem but gave up after 20   minutes on the phone, mostly on hold, without any progress. If Citizens doesn't fix its mistake in the next 72 hours, my daughter may not have a place to live on XX/XX/XXXX. Help!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-15 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
In XX/XX/1984 my parents purchased a Savings Certificate for about {$1300.00} from Fidelity Bank. This bank has been closed and the funds were never paid out.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-15 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: OLIPHANT FINANCIAL, LLC
State: GA

Complaint narrative:
Sent a certified debt validation letter to the the XX/XX/2018 requesting the company to validate the debt. The company has not responded to my request. The account was discharged through my bankruptcy and the account is still reflecting as if I currently owe a debt of {$850.00}, oliphant purchased the debt from XXXX XXXX. I called the company XX/XX/XXXX to confirm the mailing address and a representative from the company confirmed the XXXX address as the correct address.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: CA

Complaint narrative:
I sent in a {$2000.00} mortgage payment to my old servicer ( di-tech ) and the check was cashed XXXX18. Upon realizing I sent to wrong servicer ( my correct and current service is XXXX XXXX ), I called di-tech  to initiate a refund. I was transferred around, spoke to numerous supervisors, and have still not received my XXXX back after 30 days now. I had been promised calls back, gave them my checking account info to refund the , but have still not received my money back. I'm getting the run around, not being assisted, the wait times are extremely long on calls, and the customer service and problem resolution is terrible.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-15 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
EXPERIAN IS REPORTING INCORRECT INFORMATION! THEY ARE REPORTING I AM NOT MAKING PAYMENTS ON TIME AND I HAVE BAD PAYMENT HISTORY!

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 2019-01-15 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Commonwealth Financial Systems, Inc.
State: DE

Complaint narrative:
I have a deletion letter from the Collections agency, however, the derogatory remark was NOT removed from my credit report. I am recently divorced and am attempting to refinance my ( and my children 's ) primary residence, I can not complete the process until this is removed. XXXX has not complied with my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-15 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
I opened the account in XX/XX/21. I called before opening the account to ensure any fine print. They told me that I have to purchase the entire {$1000.00} in one transaction which is not clear from their attached promotion image from their web page at https : //www.homedepot.comXXXX. I made a single transaction purchase but they ended up giving me only {$25.00} which is the amount if I did not cross {$1000.00}. They told me that I ordered on two different dates - looks like their standard message. I told them I have the Home Depot order where I ordered 2 items with a total > 1000. 

On my first call, they said they will correct and I have to wait. My payment date was in XXXX and I was curious why they delayed by an additional month. 
Second call after 2 weeks in XX/XX/XXXX - they started saying they didn't have records that I ordered in one transaction. Then after an hour long call they check my original order and confirm that I ordered as per the promotion and should get {$100.00}. 
I called again today. This time, they have no idea and recall no prior contact. This time, she says I am not getting {$100.00} instead they will give 18 month no interest promotion. This is not there in any promotion in the website. They have a 6 month free interest and a {$100.00} promotion. 

My conclusion is either Home Depot or CITI bank is not acting ethically and must be brought to the public. The support person even closed my 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 monetary relief
Consumer complaint received 2019-01-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc
State: FL

Complaint narrative:
I sent the collection company three letters of validations regarding this, pursuant to 15 USC 1692G SEC. 809 ( B ) of the FDCPA. They have refused the certified letters the three times. I called over the phone and also requested a validation letter. They have not done so. 
They damaged my credit and the longer they don't respond, the longer my credit is being damaged.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-15 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: MARINER FINANCE, LLC
State: PA

Complaint narrative:
Loan was for {$2500.00} balance is showing {$4200.00} because they included all the interest i would pay for the term of the loan. Furthermore, it makes it look as though i have more credit than i truly do. I contacted XXXX and they claimed this is how they report. I question if its even legal??

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 2019-01-15 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:
Three inquiries were made on my credit report. None of which were me. See below for details. I spoke to all three in XX/XX/2018. XXXX and XXXX submitted retractions and the inquiries were removed from XXXX, but still remain elsewhere. XXXX stated they dont keep a record of inquiries and said they would send a letter. They never did. I called today and they suggested this site. I need all three removed from my credit report across the board ASAP. 

XXXX XX/XX/2018 XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XX/XX/2018 XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX XXXX XX/XX/2018 XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX, WA XXXX Thank you.

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