vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-05-03 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
My complaint is somewhat complex and involves the practices of Citibank who issued me a credit Card. I made charges on my Citicard ( number ending in XXXX ) and my Balance was {$8000.00} approximately two years ago. I cut up the card and they wont give me all the numbers over the phone so I only have the last XXXX. I entered into a debt management program with a non-Profit agency recommended by the XXXX County government ( XXXX of XXXX County ) which required a 4 year Agreement with all my credit Cards being paid-off at $ XXXX month. The total credit card debt was approximately {$35000.00}. Citibank was paid XXXX/month. No debt was forgiven, but the creditors generally agreed to reduced interest ( about 10 % ) and not to Charge any fees. I made all my payments of {$880.00} on time. In XXXX of 2014 I began receiving calls XXXX times a day from Citibank saying my account was delinquent and they had already made entries on my credit Report. After calling several Citibank departments I was told that a payment was made late in XX/XX/XXXX disqualifying me from the program and that my payments were delinquent after that because the new Minimum payment was more than $ 180 month. All kinds of fees were added to my Balance and they had changed the interest rate to 30 %. They said I no longer qualified for the program because of the late payment and they refused to participate in it anymore and said I had to pay them directly under the new conditions. They had never sent Statements like the other companies so I asked for past Statements and current Statements but they refused to provide them because they said that Statements are not available with the type of Card I have. In XXXX 2014 None of the other credit Card companies reported a late payment. I refused to pay them anymore without Statements and so now I just pay XXXX/month to the debt Management plan. Citibank now calls XXXX times a day even though I asked them to stop and I have to Change my phone number. I figure with the fees and 30 % interest not only have they wrecked my credit I was trying to improve, but the Balance is probably {$2000.00} higher than it was in XXXX 2014. The Penalty for suposedly being late on XXXX payment does not seem equitable. it seems like a scam to extort extra Money out of me. Can they use this as an excuse to just disregard the contract they made with me as part of the debt Management plan. What they are doing doesnt seem morally right.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-02 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
My AMEX Macys credit card ( XXXX, XXXX ) company refuses to correct my account from 60 days past due, per their error in processing my return, to that of a {$0.00} balance, no late payment. Despite my efforts for the past 3+ months to have them correct my account and forward the correction to the credit bureaus ( XXXX , XXXX , XXXX ), they refuse to do so and forward a statement of said correction to my attention. 

At present, XXXX documents payment status as " current, was past due 60 days. '' Moreover, they document 60 days late for XXXX 2016. 

XXXX, too, documents 60 days late for XXXX 2016. 

I have never been late in making payments. The accounting error stems from the fact that they did n't process a product return and allowed for finances charges to accrue thereby generating erroneous late payment notifications.

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 2016-01-07 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: ENCORE CAPITAL GROUP INC.
State: MI

Complaint narrative:
In XXXX, after becoming XXXX I could n't keep up with my credit card account and it went into collections and the account was sold a few times. In XXXX a collection agency by the name of XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX. XXXX Georgia XXXX tried to sue me for the money. We then when to mediation made a settlement agreement on the account, I paid the settlement making my last payment XXXX XXXX, XXXX I then requested the pay off letter, which I never received even after contacting the XXXX County Court in XXXX & XXXX. The only statement I got from the court was to keep contacting XXXX XXXX XXXX office because as an XXXX they could n't advise me on this case. I have contacted my financial institution regarding all payment records regarding this matter and I will be able to get them and forward them when it is necessary. On XXXX XXXX, XXXX I received a notice from my credit monitoring service that XXXX XXXX XXXX has filed a civil case against me for the remaining balance on this old account after I paid the settlement in XXXX. Today is the first time I became aware of the shady practices of this company and the Lawsuit won against them for doing this to several consumers.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-14 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: HI

Complaint narrative:
I am going thru a loan modified with ocwen, their attorneys and " commissioner '' are harrasing me with 12 letters and certified letters demanding access to my property to access for immediate auction. I have called ocwen, now for the second to clarify the auction threat. At this time ocwen confirms they received my package on XX/XX/XXXX, but have not reviewed as of yet, so they have no scheduled sale. This the second time the ocwen attorneys have made this bogus threat. I had to schedule a meeting with someone otherthanmy case manager to get an update. My case manager available on XX/XX/XXXX but have meeting XX/XX/XXXX @ XXXX. due to judicial malfesience affecting a lien on this property, filed by myself, I think both sets of attorneys are ganging up, illegally pushing for this foreclosure to go thru. In hopes I will be unaware of my rite, and will surrender. I left an extended message with the ocwenz attorneys " commissioner '' and have not gotten any response back, his threat of accessing my property is for the XX/XX/XXXX. As with the 1st time, I was not informed INA timely fashion as well as being told, not asked to property access.

Company response to consumer: Closed
Consumer complaint received 2016-12-08 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: TN

Complaint narrative:
I 'm filing a complaint against my mortgage servicer Ocwen Loan Servicing ( OLS ), due to a multitude of violations to the U.S. bankruptcy code. This gross negligence is consistent with payment misapplication, post-petition payment disbursements received from the US Bankruptcy Trustee in case # XXXX.This neglect has resulted in my mortgage account being in sever delinquency and in danger of being foreclosed upon shortly. 
The problem began when my husband and i started falling behind on payments OLS, refused to modify the loan or offer any options in which to keep our home.. 
In order to avoid foreclosure in XX/XX/XXXX, my husband and I filed for chapter XXXX bankruptcy. This process was completed with and approved bankruptcy plan ( BK Plan ), which provided all of our creditors to be paid back as well as we could retain possession of our home. My husband paid bi-weekly payments in the amount of {$380.00} faithfully from XX/XX/XXXX through XX/XX/XXXX. The total amount paid into our BK Plan, was {$19000.00}. **SEE EXHIBIT A - XXXX BANKRUPTCY ( CLAIM REPORT ) DATED XX/XX/XXXX THRU XX/XX/XXXX Of this amount my BK claim report reflects that OLS was paid {$8300.00} in all. However OLS 's, accounting for our disbursements and payments applied during our active bankruptcy plan ; between the span of XX/XX/XXXX through XX/XX/XXXX total only {$5100.00} The OLS accounting only reflect 9 payments having been applied to my account as follows : {$830.00} -- XX/XX/XXXX {$550.00} -- XX/XX/XXXX {$550.00} -- XX/XX/XXXX {$260.00} -- XX/XX/XXXX {$850.00} -- XX/XX/XXXX {$570.00} -- XX/XX/XXXX {$550.00} -- XX/XX/XXXX {$420.00} -- XX/XX/XXXX {$550.00} -- XX/XX/XXXX Total {$5100.00} Furthermore, I feel there is money that is still unaccounted for and this needs to be fixed. This account should not be as far behind as it stands, which is currently 35 payments past due, with a substantially large outstanding balance of {$23.00}XXXX. 

My family is prepared to file a civil lawsuit in U.S. Federal court regarding creditor abuse if this matter is not cured at once. I demand that all foreclosure activity remain halted until this matter has received acceptable attention.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-23 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc.
State: DC

Complaint narrative:
I had XXXX XXXX through an agency XXXX XXXX in XXXX, Maryland. I cancelled the policy and switched to another carrier. Because if the timing XXXX OWED ME a balance and has since paid me for the extraneous funds in my account. I now have XXXX. XXXX XXXX constantly sends letters after Ive called and told them i dont owe anything to XXXX. I contacted the insurance agency spoke with XXXX XXXX and XXXX XXXX And XXXX XXXX yet im still recieving threats to put a balanc eof XXXX and XXXX onto my credit reports. i dont owe anything.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-30 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Diversified Consultants, Inc.
State: NC

Complaint narrative:
I have been waiting for my final and then I find out it has been turned over to collections i never got a bill and I had been a customer along time .I called and the man from XXXX was very ugly and was no help .I would have already paid the bill of what they say of XXXX but I still do n't think is right .but now its on my credit for 7 years because I could not get them to send me my bill and the closed my online account

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-21 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: SYNCHRONY FINANCIAL
State: CO

Complaint narrative:
A Florida company named " XXXX '' obtained information about a time share we owned, They cold called my spouse wanting to list the time share property for sale. her response was " no we do not need your services ''. XXXX then proceeded to produce and execute a contract for the property anyway without the knowledge that we terminated our interest in the timeshare through Timeshare exit team / XXXX. 6 months prior. When XXXX executed the contract it had the last 4 digits of a credit card which has never been in my possession, no CC number was ever given to them and they somehow managed to get a valid number on my PayPal account. When I noticed an XXXX dollar charge on my credit card I immediately called PayPal / Synchrony bank and told them the charge was fraudulent.They then investigated the charge and concluded it was valid because there were internet transmittal information and a XXXX signature on the contract. We disputed the proof they had and submitted and sent them our proof of termination of the timeshare 6 months prior the the execution of XXXX contract. The contract Synchrony sent us as evidence had been altered on the last 4 of the credit card number from the one I obtained from XXXX. Again I disputed this discrepancy, they re investigated and still refused to acknowledge that this was a fraudulent charge.After countless harassment calls from Synchrony for collection on the debt they submitted the case to XXXX for collection. I submitted a letter and documentation explaining that the charge was not valid and no further contact has been made by them. Next I filed a Better Business Bureau case # XXXX on Lifetime and # XXXX on Synchrony Bank, Lifetime did not respond at all and Sychrony denied the withdraw of the charges. Now I am writing CFPB in hopes that someone can help me resolve this matter.

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 2015-05-28 00:00:00
Product: Credit card — 
Issue: Other — 
Company: SYNCHRONY FINANCIAL
State: DE

Complaint narrative:
I sent funds to my Paypal Smart Connect account that is backed by Synchrony Bank in error. Once I realized it was sent to them, I called XXXX, was transfered to Paypal Smart Connect and hung up on XXXX times by the automated system. When I could finally figure out how to get thru the IVR to a real person, I got transfered again. The IVR would accept my account information, social, or zip code. This processed has been repeated multiple times. I call, get transfered, hung up on/transfered again. When I spoke to a manager, he demanded the adress on the account, I have him my address. This was not good enough, I had to find the address, by calling the attorney that settled my account, and call back.. I finally speak to a manager, XXXX XXXX, he needs to research.Please note that I was never asked to confirm the address. He calls back, I now have to call another department. I call XXXX. I get told I have to speak to someone else, I get transferd. After XXXX hours on the phone, XXXX people, I am told I have to send a payment request in writing to a XXXX . There is no fax available so I can expadite this request. My Smart Connect account was enrolled in a repayment program in XX/XX/XXXX. There was a settlement reached in XX/XX/XXXX and the final payment was made XXXX. I sent a billpayment to the wrong XXXX account on XX/XX/XXXX and it should be arrived electronically on XX/XX/XXXX. Now I have to have proof of payment along with my signed dated request to get the funds back. Infuritating! 

This is n't their money and I should not have to dance like a dog throug hoops to get it back.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-02-11 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: SYNCHRONY FINANCIAL
State: WA

Complaint narrative:
I received a phone call from Synchrony Bank. The bank claims I did n't pay my bill payment of {$25.00} towards my Amazon store card for the months of XXXX and XXXX. I have a automated online bill payment, with my bank XXXX XXXX XXXX, that I use to make payments towards my Amazon store card each month. I contacted my bank XXXX XXXX XXXX with this issue, and my bank provided me with a bank statement that shows that I paid my bill during XXXX. There 's a inaccurate amount of {$63.00} dollars in late bill payments that Synchrony bank is claiming I owe.

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 2015-04-20 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
I am in the middle of buyin a home and I have a charge off on my credit report that I need to resolve. I have call on several time to get no where. I am willing to pay the debt off to purchase this home however the credit company SYNCB/CARE Credit has been no help and said that they would not show my status as paid on my credit report, nor would they send a letter stating that the account was paid in full. However they said they will take my money but they wo n't report to the credit reporting system nor will they give a letter. I have ask to talk to a supervisor only to be told the same thing over and they are not willing. I was hung up on when ask to talk to there supervisor and also told there were no other supervisors. I need to get this cleared up as soon as possible. Settlement is set XX/XX/XXXX and this is the only thing that is hold me up. Had the company proceeded to do the right thing this would hav never happen. I was never contacted by them nor by a collections agnecy. This account was auto debit from a checking account and they just stop taking the money out.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-17 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: Ad Astra Recovery Services Inc
State: TN

Complaint narrative:
There is an account on my credit reports from a company called AD ASTRA RECOVERY SERVICES ( acct # XXXX ). They are claiming that I owe them. I have not received any notification that I owe them, nor have I signed ANY documents allowing them to have any of my personal information. I have tried to work with the credit bureaus but they have failed to provide me with a document that I signed in regards to this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-14 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
Hello, there is a 2012 Chapter XXXX Bankruptcy item with docket number XXXX that was added on my history that I have been disputing for the last 7 months to get this item removed. 

I have talked with with several representatives, supervisors, and managers in regards to the erroneous public record and I have yet to get it resolved. This is my 3rd dispute in which I am currently awaiting results. 

I called and spoke with a manager and inquired from Experian on how credit bureaus verify their public records. I want to know this information because the bankruptcy keeps coming back as verified every time. I had 4 representatives inform me that the dispute is sent as a memorandum to the courthouse via XXXX. Once the court verifies it, the information is mailed back to the credit bureau. 

To make sure the correct information was relayed, I contacted the court house and they told me that they do n't report any information to the credit bureaus. 

I decided to call Experian back to speak with another manager, but this time they advised that the information is given by the runner who goes to the court house. 

I asked what information does the runner give to the courthouse, and how & what kind of physical information does the runner report to the credit bureaus. They could not answer that information and just said its a form that they send over to the courthouse. 

I asked what type of form and where is it sent because the courthouse confirmed that they do not verify any information with the bureaus. 

Experian refuses to give my physical documentation that they use to verify this bankruptcy is mine and reporting accurately per the Fair Credit Reporting Act.

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 2017-03-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC.
State: AZ

Complaint narrative:
I have appreciably {$95000.00} in student loan debt. I have been on an income based repayment plan for many years, and renew it each year by providing my tax returns and/or pay stubs. 

My income increased last year. I filed the paperwork to renew the income based repayment plan, aware that my monthly payment amount would increase. I was surprised to find howeveer that my payment had increased to 400 % of the prior year 's amount. Because I can not afford the newly recalculated payment, and because Navient 's website states that it will work with borrowers who are having trouble paying, I reached out to see what could be done. 

I informed the company that I was willing to extend the term of my loan or look at any other options that would prevent me from defaulting. I was told that my income based repayment could not be adjusted. In an online chat with Navient. was told that I could call the company, make a payment of whatever I could afford in order to exit the income based program, and then the company would help me enter into another payment plan ( such as an extended repayment period ) that would help me afford my payments. I called the company to do so ; and was told that I would need to make an immediate payment of $ XXXX in order to exit the income based plan and to even see what my options would be under another plan. Shocked, I said that I could not afford $ XXXX immediately. The representative suggested I enter forbearance on my loan. Because I could not see another way to avoid default, I agreed to enter forbearance. 

Because I had received conflicting information from two different Navient representatives, I called the company again. I explained that I wanted to make the payments that I could, that I did not want to be in forbearance, and asked that they please help me enter another plan. Again I was told that I would have to pay $ XXXX in order to even see my other options. 

At this point I am still in forbearance although I am paying what I can on a monthly basis so interest does not continue to accrue, but this is not a long term solution as forbearance is limited.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-02 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
About this time last month - I had used my Chase Debit Card at a XXXX store to purchase a wallet. The next day I had notcied that my card was missing - I contacted Chase as soon as I noticed the card was missing and filed a claim with them. They never responded to the claim with any updates and I would constantanly be calling to check status on the claim. Which they would always say they had no information. So now 4 weeks later - I find that my checking account accocated with debit card was closed. I contacted chase again and they claimed to have contacted me to let me know but never did. They said the account and card was closed due to the charges I claimed as fraudulent were maybe before the purchase at XXXX. The purchase at XXXX was made in the morning time, and Chase is arguing that the charge at the XXXX store was made at XXXX which is impossible because the store closes at XXXX. I feel like Chase bank is discriminating against me because I am XXXX. I have been a long time customer with them and I do n't know why they are treating me like this. Chase bank says they would like to end their relationship with me and I can no longer bank there, which is unfair. I have been a good customer and want to still bank with them.

Company response to consumer: Closed with explanation