vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-10-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: AZ

Complaint narrative:
In XX/XX/XXXX I asked to be placed on a repayment plan acceptable by the Loan Forgiveness program. I informed them that I worked for the XXXX XXXX and required the 120 payment set up for the Load Forgiveness program. Navient representatives guided me through the process and placed me on an income based repayment plan they said is acceptable for the Loan Forgiveness program. Seven years into my repayment plan I discovered I was supposed to send in proof of employment so that my years of payments and employment would be verified. Last year ( XX/XX/XXXX-XX/XX/XXXX ) I called the XXXX XXXX XXXX and was informed the income based repayment program Navient placed me on was not recognized in the Loan Forgiveness program. I am currently XXXX years old. I was getting ready to retire after 25 years of XXXX XXXX and I am forced to rethink my retirement date. when I transferred my loan to the XXXX XXXX XXXX, I received a tax form from Navient that  documented I paid THEM {$25000.00} in interest and NOTHING towards my student loan balance. I have been making payment to Navient for 20 years and I still have the same balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
I had applied for the American Express XXXX XXXX XXXX Credit Card on XX/XX/2018. I received an approval and got the card within few days as promised. As per the Card terms, if I would spend a minimum of {$3000.00} within the first 3 months, I would be awarded with XXXX bonus points. After meeting the minimum spend criteria, when the points were not reflecting in my account, I decided to contact the customer service of American Express. To my utter shock, they informed me that I am being declined the bonus and that the same was intimated to me during application. I vehemently deny this statement, as I was not informed at all regarding this during the application procedure. This is a malpractice wherein the financial institution is luring customers with false promises of bonus reward points and later declining them. I have been a victim of false marketing and promises and would like to raise my utter concern regarding the same.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
I was extended an offer to upgrade my XXXX card, and was told I would receive XXXX bonus points and a waived annual fee. The annual fee was not waived, I paid for it XX/XX/XXXX and have been dealing with Chase via SM for almost three months now to get it refunded. I paid an {$85.00} annual fee that should have been waived.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-25 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: EQUIFAX, INC.
State: TX

Complaint narrative:
A XXXX account in my name that I closed in XXXX went delinquent in XXXX for unpaid cancellation fees. I learned about it when I checked my credit reports in XX/XX/XXXX and saw XXXX XXXX was reporting to the 3 credit reporting agencies an amount as delinquent and owed to XXXX. I had never received any correspondence from XXXX. I called them and was told that I could settle the collection by paying the past due XXXX amount in full to them - not XXXX. I paid the amount due immediately to XXXX XXXX in XX/XX/XXXX. A month later, the account was not showing as paid and closed on the 3 reporting agencies so I filed disputes with the 3 agencies. The account was corrected showing paid and closed with the credit agencies but the reports show an " opening date '' on Equifax and XXXX for this delinquency as XX/XX/XXXX re-dating it by 4 years. I contacted XXXX  again and asked them to correct the date of delinquency to show the original XXXX date or remove the " opening date '' of XX/XX/XXXX but they refused. I disputed the date issue with the 3 credit reporting agencies. XXXX corrected the inaccuracy by removing the item completely. XXXX and Equifax responded that the incorrect information had been verified as correct by XXXX. XXXX XXXX states that they are reporting the date that they were given or " bought '' the account from XXXX. I contacted XXXX on XX/XX/XXXX and asked them to correct the date to the original date of delinquency or to ask XXXX to remove the information entirely because it is inaccurate. XXXX responded on XX/XX/XXXX that they are not able to do that because they are not the company reporting the information even though it was originally a XXXX debt from XXXX. The incorrect re-dating of the delinquency showing as " opening date XX/XX/XXXX '' is causing my credit scores to decrease significantly due to the Equifax and XXXX reports showing that the delinquency is " a recent '' delinquent account. XXXX and Equifax have stated that I can not dispute the item again. By XXXXXXXX reporting an " opening date '' of XX/XX/XXXX and not the original date of delinquency of XXXX with the original creditor, XXXX, I am being harmed by not being able to get a mortgage because my mortgage FICO as well as the other FICO scores are based on this incorrect date/information.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: TX

Complaint narrative:
I sent a RESPA letter to SPS and called them regarding an inaccurate pay off statement and inaccurate statements. I called SPS and talked with XXXX XXXX and asked her : 1. Why the amount to reinstate my mortgage was {$450000.00} on my XX/XX/18 Statement versus {$260000.00} on my XX/XX/18 Statement. 
2. What is the recurring " Other Charges and Fees '' ( see XX/XX/18 statement ) of {$5300.00}. 
3. Why the historical past due amount for XX/XX/18 on my XX/XX/18 statement was {$3400.00} and changed to {$2400.00} on my XX/XX/18 statement. 
4. Why did my mortgage payment go from {$2400.00} to {$5300.00} on my XX/XX/18 mortgage statement. 
5. How do you justify charging a monthly mortgage amount of {$5300.00} plus {$5100.00} in Other Charges and Fees of {$5100.00} ( see XX/XX/18 stmt. ) for a total of {$10000.00} solely for XXXX.. 
XXXX ' could not answer the questions and their RESPA response did not answer the respective questions. XXXX stated that the statements were in error and were a projection. She went on to say that the loan had been delinquent for too long to provide an accurate accounting.

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 2018-10-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: AZ

Complaint narrative:
I sold my house to pay off over $ 60K in loans with Navient. I sat in XXXX  XXXX XXXX XXXX office and spoke to someone from Navient to get the payoff. They refused to fax me the amount so I had something in writing and would only verbally give me a payoff. XXXX XXXXXXXX XXXX sent the payoff check to Navient. Not once in my 45 minute conversation with the gentleman from Navient did he disclose that the payoff needed to be sent to two different addresses. They applied the entire balance to one of the loans and left the other two loans outstanding. I logged into my account a week later and saw a negative $ XXXX balance on the one loan and the others outstanding still. When I called the Navient employee told me the payment would be applied to the other loans but that it could take up to two weeks. She assured me that the interest that accrued in the meantime would be adjusted. Today I log in and there is a remaining balance of {$100.00}. Had I not logged in and seen this I supposed they would have just kept accruing interest on that balance and before long I'd have owed a XXXX again!!! This criminal company is already in trouble for bad business practices!!! When I called today I was told they can not adjust the balance. I said they why did you LIE to me and say that it would be taken care of? Why would I pay off over $ 60K in student loans except for {$100.00}?? They are CROOKS!!!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-10-25 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: FL

Complaint narrative:
My local VA clinic sent me to the local XXXX Hospital to be treated, and they promised me that the VA would pay for it. I am a Veteran. Well they have NOT paid for it and now I have bills from collections agencies that are ruining my credit, which has fallen over 150 points!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-25 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: GOLD KEY CREDIT, INC.
State: FL

Complaint narrative:
, In XX/XX/XXXX, I was hit by a car while crossing the street, I had to go to XXXX   Hospital for emergency treatment. Upon release I hired the law firm of XXXX & XXXX to assist me with my case. The law firm handled payments for all of my medical expenses which also included XXXX XXXX. Upon settlement the hospital was issued a payment in the amount of {$6200.00} on XX/XX/XXXX check # XXXX, for payment in full for services rendered, I had received collection letters from Gold Key Credit which is located at XXXX XXXX XXXXXXXX XXXX, XXXX FL XXXX. I contacted them on numerous occasions notifying them that the {$190.00} was paid by my attorney. There file number for this matter is XXXX in the amount of {$190.00}. This agency has a bad reputation for reporting items that do not exist and are notorious for harassing consumers. I contacted XXXX who advised me to contact them again directly, XXXX has since deleted this derogatory information from my credit report. On XX/XX/XXXX I sent the collection manager another letter with the correspondence along with a copy of the check issued by XXXX & XXXX. As in the past I have yet to hear from them, these are services which were paid in XX/XX/XXXX, for an incident which happened in XX/XX/XXXX. We are in XX/XX/XXXX and I am still dealing with this for an invoice already paid, my wife and I are in the process of buying a house through the VA and this derogatory information is an issue. I have also contacted the attorney generals office for assistance, if you have any questions or need any additional information please feel free to contact me directly. Thank you in advance. 
XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
This company has been incorectly reporting my payment history, I have never been late to this company by any means. This company is not XXXX XXXX compliant which is causing me serious XXXX in my life. I would like for this company to bring my account to current status for each month they have reported me late.

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 2018-10-25 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: EQUIFAX, INC.
State: MI

Complaint narrative:
This company has been incorectly reporting my payment history, I have never been late to this company by any means. This company is not metro 2 compliant which is causing me serious stress in my life. I would like for this company to bring my account to current status for each month they have reported me late.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-25 00:00:00
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Account information incorrect
Company: Navient Solutions, LLC.
State: WA

Complaint narrative:
Auto-payment as agreed upon for {$350.00} a month for an extended period of time now, however they have continued to put information in on their site and credit report for {$640.00} a month. This was discovered when my credit was pulled for a home loan that I'm now likely to be denied as it lists a past due amount of {$7200.00} from doing this that continues to rise every month.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: CA

Complaint narrative:
I got the loans in XXXX. It's 2 loans : one with an original balance of {$6800.00} ( UNSUB ) and the other for {$6100.00} ( SUB ) with fixed interest rate of 4.625 % for both. I have deferred the loan up until 5 years ago and have been making payments for 5 years in the amount of {$130.00} total for both loans. I went paperless and also was on auto pay. I didn't really check up on the loan status and it was naive on my part for trusting the company. I recently logged on to AES now that they have an app. I was looking at the break down of each loan and it doesn't make sense. The difference between my original balance and principle balance for the unsub loan is barely {$200.00} and the difference for the sub loan is barely {$1000.00}. So in 5 years, I have paid them over {$7800.00} ( including interest ) and only about {$1200.00} went towards the principal balance ( total for both loans )? Thats absolutely insane! I looked up the payment history on my account and it only goes back till XXXX of XXXX. Also when I do the math for the payments that they claim went towards principal balance doesn't add up. They also claim I plaid {$4600.00} towards the principle balance, on the website, but again my total owed still doesn't make sense. I called them and they gave me some erroneous explanations I couldn't even comprehend and didn't really do anything to help me better understand. They basically told me to make bigger payments if I wanted to see a significant difference in the principle balance. I just want to know where all my money went and how they are making these calculations. If my original balance was {$13000.00} and I " paid '' {$4600.00} ( as they claim on my account ) then wouldn't my principle balance be less than {$11000.00} ( currently owed ). I didn't have this issue with XXXX ( who I finally paid off ). Also, AES says they are funded by XXXX ( when I logged on to the app ) and I called XXXX but they had no connection to AES and couldn't really help me out. Please help. I feel like calling AES again is a lost cause. I have been and still am burdened with other student loans and this is a very stressful matter for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-25 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH

Complaint narrative:
524 Injunction : Bank of America per the enclosed exhibits did not adjust my mortgage on the agreed date to be compliant with the court order reaffirmation agreement. BAC kept sending me statements with the original loan amount and payment. I making the required payment the month after the agreement only to have BAC escrow the payment and not apply them. In XXXX XXXX acquired the mortgage servicing rights with the incorrect balance and monthly payment and now a forced placed insurance policy added to the loan. XXXX XXXX started sending out notices with the original note information then corrected the loan in XX/XX/XXXX but still listed the cram down debt on the statements as defferred P & I this was a violation of my plan and a 524 Injunction. 
XXXX XXXX filed a foreclosure motion in XX/XX/XXXX but before I could file a counter claim XXXX XXXX sold the mortgage to XXXX and XXXX became the new loan service company. XXXX assumed the foreclosure in court where the case was not heard only rubber stamped by the judge. The docket of the foreclosure case states that I never paid a payment after the reaffirmed agreement now XXXXXXXX XXXX has stated that I had made 4 payments and that BAC had not been compliant. XXXX XXXX has now listed the reaffirmation crammed down debt in the amount of {$19000.00} as BK Cost on payoff statements this is the exact amount of the XXXX XXXX Defferred P & I listed on there statements. This is attempt to collect discharged debt and code it as something else in court is a 524 Injunction of the debtors Bankruptcy plan.

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 2018-10-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
MCM # s XXXX, XXXX, XXXX, and XXXX. I have repeatedly sent validation letters to MCM in XXXX, XXXX, XXXX, and XXXX of this year 2018. I have disputed this with all 3 credit bureaus.

MCM continues to send me letters in response ( attached ) stating " they are uncertain what I am disputing '', and have yet to establish that the account is accurate and true in nature.

I have asked to see the original documents that I allegedly signed and they refused. MCM /Midland will not provide them. I never did business with this company. I do not owe them any money as I never signed for a credit card, have business, or a contract with them. 

They are refusing to remove this account from all three credit reporting bureaus in violation of the FCRA. 

I have attached examples of the replies from MCM and their lack of validation. I can provide proof of mailing if needed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-25 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Alliant Capital Management LLC
State: NJ

Complaint narrative:
This company is claiming to be a third party debt collection agency for a debt that I owed to a different company for an Installment loan. I have hired a law firm to settle the debt with the original creditor. I have received many phone calls from a woman claiming that she can settle my debt for a fraction of the original amount. I have told her multiple times that I am handling this through a law firm and that I do not wish to receive calls from her any more. I have researched the company she claims to represent and have found many scam reports associated with her calls. She has also called my parents home number and my brother 's cell phone in attempts to get in contact with me after I have ignored the phone calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-25 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I logged a complaint with you : XXXX. Chase received it and sent a letter to me about it back in XXXX. It is now XXXX and I have heard NOTHING SINCE. I contacted them and left messages and no one responded and the general line claims they can not patch me through because that department doesn't have phones, which is an outright lie, since they provided me with their number, which they never answer. 

I JUST WANT MY MONEY BACK!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Altisource Portfolio Solutions, S.à r.l.
State: NY

Complaint narrative:
XXXX XXXX XXXX is the second mortgage on my property. The first mortgage, XXXX XXXX, has agreed to a short payoff settlement. But, XXXX XXXX XXXX has not responded with a short payoff letter so that I can move forward to refinance my property. 

I have been negotiating with XXXX since XX/XX/2018. Three months later there has been no response. I had to file bankruptcy to keep from the property being sold at a foreclosure auction. I do have refinance money in place. The mortgage company has offered XXXX {$70000.00} as a short payoff amount but the representatives have not responded almost three ( 3 ) months later. 

I need this resolved soon or the bankruptcy will not continue to give me extensions.

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 2018-10-25 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
My bank paid my my mortgage payment twice I have contacted Citimortgag 5 times over the past 2 weeks I have 2 confirmation numbers XXXX XXXX they confirmed that hey did in fact receive payment twice BUT still needed my bank statement. My bank statement isn't even on line due to the fact it was this month. I sent them twice a screen shoot of my on line banking to prove it DID come out. NOW they are saying they never received this information when in fact they have confirmed they did. I spoke to XXXX operator ID XXXX and she said in their manual it is NOT required that they ask for MY bank statement. This is causing my bank account to be overdrawn and over draft fees because they keep telling me that this was going to be refunded to my account within 3-5 business days and it has been 2 week. I sent all this documentation on XX/XX/18 again on XX/XX/XXXX and AGAIN today XX/XX/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