vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-04-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
My wife is a surviving of a   XXXX   XXXX   XXXX   and she has no ability to make decisions on credit, nor does she have an income. I recently discovered that she had a balance of $  XXXX  with Citi and I wrote them the following letter. I think they are a predatory lender, preying on the mentally  XXXX  by offering them credit cards that have no hope of being repaid.     The following letter explains the whole situation.     **********************   XXXX   XXXX   XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , SD  XXXX  Dear Citibank, It has come to my attention that your company issued a credit card and extended credit to my wife,  XXXX   XXXX . Her card number ending in  XXXX .     Her contact details are ;  XXXX   XXXX ,  XXXX   XXXX   XXXX ,  XXXX , CA  XXXX  This is an unfortunate situation as my wife has no mental capacity to contract with you for a lending product, especially a credit card.     In  XXXX , my wife  XXXX  fell out of a third story window in  XXXX   XXXX , and suffered life threatening injuries, including a  XXXX  (  XXXX   XXXX   XXXX  ), and mentally she has no capacity to enter into legal contracts.      One matter that concerns is that she has no material income, s o I am curious how you could have possibly underwritten her for a card. There are many technologies for verifying income, such as  XXXX   XXXX   XXXX  offered by  XXXX , the ability to review bank account details for obvious paycheck deposits, or as a last resort manually verifying paystubs. You not only contracted with someone without the required mental capacity, but you contracted with someone with no income. This does not meet the definition of responsible lending practices, and regulators will view this as the practice of a predatory lender, preying on the mentally  XXXX .     I feel very strongly that you have taken unreasonable advantage of a mentally  XXXX  person, while earning a great deal of interest, and I will be reporting this to both the CFPB and the California Department  of Financial Institutions as this is frankly unsettling and outsid e reasonable lending practices.     I will give you the benefit of the doubt that this is a clerical oversight, and if you provide documentation releasing her from these obligations, I will not report your organization to the CFPB and   XXXX   XXXX  . If this matter proceeds in a negative manner, I will be hiring legal representation for my wife and reporting your bank to the regulators mentioned.        XXXX ,  XXXX   XXXX , husband of  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 2017-04-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: TX

Complaint narrative:
Ditech is showing our mortgage as 58 days late as of  XXXX  17  when they have stored unapplied amount of {$3000.00} we paid and not applied it to the mortgage. This is completely unfair. Furthermore, they are reporting it to all  XXXX  credit bureaus. I have contacted  Ditech  when the unapplied amount was approximately {$980.00} by email on  XXXX 17 and have not received a correction, just an acknowledgement of the email. Now, the unapplied amount has grown because we have been paying the mortgage, but Ditech has not applied it to the mortgage which makes us late. This is fraud.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: 21ST MORTGAGE CORP.
State: PA

Complaint narrative:
My mortgage was given  to 21st Mortgage Company, which is a loan servicing agency. My loan went into default and I went through the Court system and Housing Agency to save from foreclosure. I have not received any monthly mort gage statements from this company since  XXXX   XXXX . They change my interest rates ever time I speak to them. T he Housing Authority faxed them letters from me 1. Requesting  permission for them to speak on my behalf an d 2. Re questing monthly mortgage statements to begin again. That was on  XXXX   XXXX ,  XXXX . As of now, no statements received. Their story, as well as people, change ever time I call them. Now I do n't know how much my mortgage payment truly is and where payments have been allocated. I need assistance with this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
After direct deposit was made debit card and checking account was closed

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 2017-04-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: VA

Complaint narrative:
First and foremost I have filed three complaints with CFPB and each time I fax the number on your website to provide additional documentation it is never uploaded to my account to reflect faxes sent on  XXXX / XXXX / XXXX ,  XXXX / XXXX / XXXX ,  XXXX / XXXX / XXXX ,  XXXX / XXXX / XXXX  and so on for case  XXXX  Ditech also known as Green tree servicing LLC reallocated my funding incorrectly.   They have sent a representative to my home on  XXXX / XXXX / XXXX , they have sent me two collections letters on  XXXX / XXXX / XXXX  and  XXXX / XXXX / XXXX  when my loan was prepaid as on  XXXX / XXXX / XXXX  until  XXXX / XXXX / XXXX .  Ditech  is fabricating response letters and resolution letters being sent to me after a failed resolution to fix my payment allocation went unanswered for 10 months. Proof of that is a recorded call with their  director  who states the only  XXXX  wo letters in the system are two lett ers sent in    XXXX   XXXX   XXXX   a nd  XXXX   XXXX  which I relay to her was never received. The reallocation of their initial application of my bimonthly payments they allege they did was done incorrectly. If applied correctly, principle balance would decrease because they were provided extra payments. However their reallocation reflects that my principle balance increased so please explain to me why are you CFPB closing my complaints without uploading my additional documents  # 1 a nd then closing it when there still remains outstanding issues  XXXX   XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-28 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Strategic Alliances, Inc.
State: MI

Complaint narrative:
First Financial in vestment fund is reporting a debt on my credit report per my lender who is refinancing my home. It 's actually preventing me from refinancing because it 's bringing down my score. I have called and they claim to not have my name on file, however they are n't helping me get the collection off my credit. I spoke to them las t Tuesday the  XX/XX/17  a nd they said my name is n't on file with them. I called them last month as well and then disputed with  XXXX . They answered the dispute and said I owe the money, but they wo n't allow me to pay the account. I do n't believe I owe this money and it 's frustrating that I call and they do n't have my information. My lender even contacted them with my permission and they could n't verify my information. They even had me send a letter authorizing my lender to verify the debt. Then they had my lender send a fax asking for more information and they have n't replied.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-28 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC.
State: NJ

Complaint narrative:
As per  XXXX  from Navient on  XXXX   XXXX ,2017 she has advised me she will HARASS my family and friends by phone every day until a payment is made. My name is the ONLY name associated with the account so they have no right to harass anyone. I considered this a threat.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-28 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
In  XXXX   XXXX , I saw an online offer fro m Citibank th at stated that if I open a savings account and deposit {$25000.00} before  XXXX / XXXX / XXXX  and maintain the deposit until  XXXX / XXXX / XXXX , I will receive a bonus of {$300.00} ( see attachment ).     I signed up for the above mentioned savings account and transferred {$25000.00} into the account on  XXXX / XXXX / XXXX  (    XXXX   statement in attachment ).      I maintained the {$25000.00} deposit beyond the  XXXX / XXXX / XXXX  deadline ( see other statements in attachment ). However, I never received {$300.00} bonus.     I followed up wit h Citibank vi a phone on  XXXX / XXXX / XXXX . In response they s ent me a letter ( da ted  XXXX / XXXX / XXXX  ; see attachment ) implying that this bonus is only for people who it was addressed to and so I do not qualify. However, like I mentioned above, this was a publicly available offer.     On  XXXX / XXXX / XXXX , I replied to the above letter from  Citibank stating that I do qualify for this bonus, since this was publicly available and that I have met all the requirements. I have not heard back from Citibank so   far.

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 2017-04-28 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:
I have a dispute with an incorrect negative reporting on my credit report from  XXXX   XXXX . Account it reporting paid charge off when it should have never been reported as I was in an active dispute with the company for overcharging me in energy charges. There is full documentation showing the amount they were charging me was incorrect and after the dispute I was provided an accurate amount which I paid. This was    XXXX    2016   , when I noticed they had reported the delinquent amount as negatively on my credit report I advised  XXXX   XXXX  this was incorrect and escalated it up to their executive level. After a review and despite the amount was in dispute and finally corrected they continue to report it as a negatively on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: United Student Aid (USA) Funds
State: GA

Complaint narrative:
I had 1 loan with XXXX/USAFunds/XXXX for {$15000.00}. It was in deferment for 10 yrs while I was taking classes and then in forbearance based on recommendations from XXXX. Due to a divorce my loan went into default for 3 years.
XXXX, a collection agency for XXXX, represented that they were collecting on all 4 of my defaulted loans. I paid the amount that was negotiated for my total student loan debt, but only the 1 loan I had with XXXX was paid. USAFunds/XXXX website shows I paid over {$20000.00} in interest and fees, when a letter from XXXX shows interest and fees around {$9000.00}. The XXXX/USAFunds website says I paid a total of {$59000.00} for a {$15000.00} loan.
After calling and discussing with USAFunds/XXXX they said that I negotiated that amount and would not refund any money. The collection agent for XXXX, XXXX, uses illegal tactics and fraudulently represented that they were collecting on all four of my loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-28 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: TX

Complaint narrative:
I have a dispute with an incorrect negative reporting on my credit report from  XXXX   XXXX . Account it reporting paid charge off when it should have never been reported as I was in an active dispute with the company for overcharging me in energy charges. There is full documentation showing the amount they were charging me was incorrect and after the dispute I was provided an accurate amount which I paid. This was    XXXX    2016   , when I noticed they had reported the delinquent amount as negatively on my credit report I advised  XXXX   XXXX  this was incorrect and escalated it up to their  executive level. After a review and despite the amount was in dispute and finally corrected  they continue to report it as a negatively on my credit report.

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 2017-04-28 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have a dispute with an incorrect negative reporting on my credit report from  XXXX   XXXX . Account it reporting paid charge off when it should have never been reported as I was in an active dispute with the company for overcharging me in energy charges. There is full documentation showing the amount they were charging me was incorrect and after the dispute I was provided an accurate amount which I paid. This was    XXXX    2016   , when I noticed they had reported the delinquent amount as negatively on my credit report I advised  XXXX   XXXX  this was incorrect and escalated it up to their  executive  level. After a review and despite the amount was in dispute and finally corrected they continue to report it as a negatively on my credit report.

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 2017-04-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: TX

Complaint narrative:
My home was foreclosed on  XXXX   XXXX ,  XXXX  by the   XXXX   XXXX   XXXX   XXXX   an entity that does not hold ownership of my note. This problem on my home started back in  XXXX , when  XXXX   XXXX   XXXX  illegally assumed our note from  XXXX   XXXX .   XXXX    XXXX  went into receivership  XXXX   XXXX ,  XXXX   XXXX  purchased all the assets at that time and our note was not assigned to the   XXXX   XXXX   XXXX   XXXX  , however the   XXXX   XXXX   XXXX   XXXX   is claiming ownership.   I have prepared a document called CFPB complaint the   XXXX   XXXX   XXXX   XXXX   and Exhibits which I would upload making my complaint clearer.   I am uploading documents to the complaint which will give the true picture of what has taken place.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-28 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CMRE Financial Services, Inc.
State: CA

Complaint narrative:
CMRE  continuously sends bills that have not been updated to represent the current balance. Even upon logging into the website to verify the payment has n't been crossed in the mail, the real time website has not been updated.     When I called they said that it was updated and that my payment had posted, but I have a dated print out proving that it was n't. This makes it impossible for me to pay my bills because the account is n't updated.     They are also trying to collect interest on a debt that the original medical facility was not collecting interest upon. I have verification of this FACT. I also have a call out to their attorney representative to confirm their policies and verify no interest bearing contract was ever into by me.     I have wasted so much time trying to straighten out this CMRE 's lack of attention to detail regarding their billing. I have VERY DETAILED notes and ledgers.     All I 'm asking if for them to keep their end of the deal, and update their payment records correctly and regularly WITHOUT FRAUDULENT interest included, and send CORRECT bills.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
a derogatory payoff report for a debt owed to  XXXX   XXXX  reported by  XXXX   XXXX  is on my credit report but it is a debt incurred and paid off by my father for a service he signed up for at his address in Fla. I have nothing to do with this debt but because we share the same name it has somehow ended up on my report but the credit reporting agency listing it has refused to remove it from my report.

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 2017-04-28 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: AES/PHEAA
State: FL

Complaint narrative:
I currently ow e American Education Services over {$ 150000.00} in student loans, my monthly payment is {$980.00} a month. I have tried numerous times to lower my payment, or come to an agreement with them since there is no way that I will ever be able to pay this back. Currently I have had to borrow money monthly just to make payments. I even tried an income based payment but they do n't offer those programs.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-28 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
Private Loan PAST DUE {$1600.00} Since  XXXX    XXXX   I have struggled with making payments of {$210.00} to Navient due to financial hardship. I became unemployed  XXXX    XXXX   when a teaching contract ended and started working as a substitute teacher making half the amount I was previously {$1100.00} a month. I tried to get certification as a regular teacher and failed so there was no pay increase. Left over unemployment checks and forgoing some other bills enabled me to pay up until  XXXX    XXXX   but I became delinquent in other areas. I was forced to go into a repayment plan for my credit cards and I had no one that could help me wit h Navient. I spoke with Navient reps every month until now stating, I do not have the money because I barely make enough for my rent {$680.00} and car payments {$380.00}, I also had to go on food stamps. They told me to just ask family which is extremely unprofessional. Navient would not provide any financial hardship programs and insisted their repayment plan would only go down to {$190.00} even though when they c alculated my income it was clear I could not afford it. I advised many times that I was trying to get a new job with no luck, but I was either mocked, yelled at or hung up on. I received a letter certified mail that my account will be transferred to a legal team and enter litigation on  XXXX / XXXX /  XXXX  . Today  XXXX / XXXX /  XXXX   I received another call from Navient, a rep suggested I sell my car or not pay the car payment so I could pay Navient. I stated if I do n't pay for my car I do n't ha ve one. They also stated they do not understand how my other bills are current as if I am choosing not to pay them. I told the rep, I was not making the payments on time and had to play catch up when the accounts became too delinquent. They admitted that my record shows I was making auto payments regularly until a few months ago. I replied yes that 's when the lower pay started to really effect my funds, I even asked my car financer for a month without paying as a promotion. It was a one time promotion for being a customer for 2 years. Navient stated they could only notate my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
Please refer to these complaints against Bank of america by myself : Complaint #  XXXX  on  XXXX / XXXX / XXXX  Complaint #  XXXX  on  XXXX / XXXX / XXXX  Also during  XXXX  - I reached out to prior organization OCC against Bank of america.     For the most latest complaint - I had opened checking account with Bank of america during   XXXX   XXXX   XXXX . They verified all my background - ask all the security questions-did thorough account verification. I was using a promo code - fund the new accoun t with $ 20K and   keep it at least for 2 months to get {$200.00}.   After successful completion of all credit checks and background process verification - i deposited {$250.00} as the initial deposit into the account.     Then due to login to online banking issues - i opened this complaint : Complaint #  XXXX  on  XXXX / XXXX / XXXX  I keep on following about  it. Two  days back they sent all the information about my account - A/C #, Routing #, deposit slips, initial checks etc ... but my online access was not working. Reached out to their twitter handle ... some back and forth messages - but no help.     Yesterday when i called them - they said they have closed my account due to " risk ''??? what???   I am living i n USA  since  XXXX . Very first time came  to USA  in  XXXX . Nobody has ever rejected a bank account for me till now. Went to their branch in person at  XXXX   XXXX   XXXX  branch ... but i was told the same answer ....   i was asked to call  XXXX . After long wait   of 9 minutes - i was told that they are also not aware why the account is closed?
What the heck it is???
Yesterday only i sent another $ 5K to deposit into my accoun  t.     I strongly believe they are retaliating against me as i reached out to CFPB.

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