vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-03-02 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted you instead of your attorney
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I dont owe XXXX i never had an account with them I was in jail from XXXX I told them it wasnt me they dont care. they said i must pay it

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 2018-03-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC
State: TX

Complaint narrative:
I have numerous times requested my PMI to be removed. The company continues to state my LTV must be under 78 % from the origination appraisal. The company has never been able to supply me with the origination appraisal, yet they state the amount is {$130000.00}. I have a current UPB of {$100000.00} as of my last payment made on XX/XX/2018. Through every calculation I have found to determine the Loan to Value, including the XXXX XXXX  website directly, this shows my LTV at 74.6  %, which is well below the 78 % requirement.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-02 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: MI

Complaint narrative:
XX/XX/18 NON-CHASE ATM WITHDRAW XXXX XXXX ATM transaction {$100.00} NON-CHASE ATM WITHDRAW XXXX XXXX ATM transaction. {$400.00} NON-CHASE ATM WITHDRAW XXXX XXXX ATM transaction {$100.00} NON-CHASE ATM WITHDRAW XXXX XXXX ATM transaction {$400.00} NON-CHASE ATM WITHDRAW XXXX XXXX ATM transaction {$100.00} NON-CHASE ATM WITHDRAW XXXX XXXX ATM transaction {$400.00} NON-CHASE ATM WITHDRAW XXXX XXXX ATM transaction {$100.00} NON-CHASE ATM WITHDRAW XXXX XXXX ATM transaction {$400.00} XX/XX/18 NON-CHASE ATM WITHDRAW XXXX XXXX ATM transaction {$100.00} NON-CHASE ATM WITHDRAW XXXX XXXX ATM transaction {$400.00} I filed a dispute with Chase. I was told that it was denied because I still had my card in my possession and that the chip could not be copied. Within a few minutes of research I found that the chip could be copied and banks want to try to blame you for fraud first. I asked what documents could I provide to prove that it was not me. They said nothing. Its nothing that they could do and not even a police report would help. The first representative that I spoke with said that all someone needed was my account information to take my money. This is not right!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-03-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
i am attempting to manage and restructure my debt and budgeting and capitalone is refusing third party access to my accounts that i am trying to grant. every other account of mine has provided access - i was directed to file this complaint by my third party planner to hopefully rectify the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: MB FINANCIAL, INC.
State: FL

Complaint narrative:
On XXXX XXXX, I went on XXXX to inquire about current interest rates on a new home purchase. I selected that I did NOT want to receive marketing solicitation and have my contact information shared. Despite this, I received an inundation of marketing phone calls and emails from lenders for the following 3 days, including on Sunday, at all hours of the day and night. I asked each of the callers to remove me from their call list and completed unsubscribe requests for all emails on the XXXX. I submitted the opt-out link directly on XXXX on the XXXX. All marketers abided by privacy with the exception of ONE : a  XXXX XXXX from XXXX XXXX XXXX, XXXX # XXXX. There is no unsubscribe link on his email, so I replied directly to him asking to UNSUBSCRIBE in no uncertain terms. I have received emails from him every single day since XXXX XXXX, now totaling 4 emails, and to each I have asked to unsubscribe, including most recently advising him if I was not removed from his marketing list that I would contact CFPB. He continues to send me these annoying emails after I have opted out and asked him directly to stop contacting me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
I can not access my Capital One account and apparently neither can customer service. In the meantime, triple alert has sent me a message that my account has been negatively affected. I go to that service to discover my account is over its limit. However, there appears to be no way I can access or review my account either online or over the phone via their customer service to resolve and issues or even review my account. The two step verification fails online blocking me and when I call in they say their systems have been down. I have attempted to access my account at least 10 times over the past week.But the verification code is never sent. Now a message comes up stating there's an issue ... the question is what is the issue and how bad is it. For all I know their system has been compromised and they won't tell us.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-03-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: M&T BANK CORPORATION
State: FL

Complaint narrative:
M & T Bank mortgage. Our home is in Florida. We received one month 's mortgage forebearance after Hurricane Irma on XX/XX/XXXX because my husband was out of work for almost a month. M & T referred us to XXXX who advised us to overpay our mortgage payments in XX/XX/XXXX and XX/XX/XXXX in order to avoid having to go on a payment plan. We did so. In XX/XX/XXXX, we realized they had applied the overpayment to the principal, not the missed payment. Called M & T was assured it was sorted out. In XX/XX/XXXX, I called M & T upon making the final portion of the missed payment to ensure all the money was directed to the missed mortgage payment. Was assured that it was. In XX/XX/XXXX, we received a {$59.00} late fee, notice of missed mortgage payment. Called again. Was refunded the {$59.00} late fee and assured AGAIN that the overpayments were applied to the missed payment. In XX/XX/XXXX, had ANOTHER {$59.00} late fee and notice of missed payment. Spent another hour on the phone with rep. It now appears to be sorted out ; however, our XXXX statement of mortgage interest for XX/XX/XXXX is understated by one mortgage payment or approximately {$800.00}. Was assured on Monday, XX/XX/XXXX that the statement would be corrected and would be available in a couple of days. Called again on XX/XX/XXXX and was told the statement hadn't even been ordered. My taxes are already with the accountant and the amount will have to be estimated now. I would like to know how to report M & T for fraudulent business practices. Misreporting mortgage interest on a federal form would seem to be a crime to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-02 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Medical Business Bureau
State: IL

Complaint narrative:
This is not my account. I never been to XXXX XXXX hospital. 
I have never taken ambulance services. I am contacting the FTC and also filing a law suit for the damages you caused with my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-02 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted you instead of your attorney
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I dont owe XXXX i never had an account with them I was in jail from XXXX I told them it wasnt me they dont care. they said i must pay it i got scared I didnt want to go back to jail again.

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 2018-03-02 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: National Arbitration Forum
State: OR

Complaint narrative:
I received a call from a company claiming to be called National Arbitration from phone number XXXX. The call came in around XXXX. They called my spouse then my cell phone. When I answered they immediately asked how I was related to my spouse. I said who is this? He said he was with a company investigating a case of fraud and theft. I said from who? He said the state of Oregon. They said it was for theft of goods and services. I said who do you represent and then he finally said a XXXX loan company XXXX XXXX XXXX. I said oh ok well I need to let you know that I am in OR and you are calling way too early. He said he was not bound by any collection laws such as FDCPA. I told him I need to advise you I have an attorney that is hired to file bankruptcy and you need to contact him as Ace is named in our bankruptcy. He said it isn't filed yet. I told him that is all I have to tell you please contact my atty. He said well I am going to come to your house and you will be served any licenses you have will be terminated. So I hung up. He immediately called back with a blocked number and said they were on the way to our house and the he contacted the atty and he will not back me with this. I hung up again.

Company response to consumer: Untimely response
Consumer complaint received 2018-03-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Several thousand dollars were withdrawn from my personal savings account without my authorization approximately {$11000.00} in 2010. I have tried several years try to settle this account to no avail. XXXX XXXX of the XXXX location here in Texas involved himself stating lies to Wells Fargo to justify this deception.

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 2018-03-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
Please review case XXXX XXXX I received a response on the above case with the following message " complaint appears to be a duplicate ''. Why was my response, " This complaint appears to be a duplicate '' printed in a font of 18. The font size used was a sign of disrespect on the part of Wells Fargo. Why was it necessary to print this response in such a large font that I could read it from across the room. I have already closed two account with Wells Fargo due to continuous errors on the part of Wells Fargo. I can also close the two existing account I have with Wells Fargo at any time I choose. After all the fraud accounts and all the sanctions placed on Wells Fargo I would think Wells Fargo employees would and should have a litter more respect then what you just showed me. Please explain why you feel this was a duplicate complain. It was Wells Fargo error that mail was sent to my address. If this error would not and should not have occurred I would have had no reason to file a complaint with the 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
Consumer complaint received 2018-03-02 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Rent Recovery Solutions
State: GA

Complaint narrative:
Do not have a contract or document with Rent Recovery Solutions that I am in title to pay XXXX dollars to their company starting on XX/XX/2013.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-02 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
There is a Bankruptcy being reported on my credit report by XXXX XXXX and Experian that does not belong to me.

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 2018-03-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ditech Financial LLC
State: NY

Complaint narrative:
In XX/XX/XXXX I started a messy divorce at the time my mortgage company was XXXX XXXX. I called and asked that the extend my mortgage so I could afford to pay it without my spouse, they said NO. I didn't even ask for any discounts or forgiveness. I bought my house high {$360000.00} now worth XXXX with now forgiveness offered. I was in the middle of a short sale when my soon to be ex-husband claimed bankruptcy. Cancelling my short sale. I let the house go because no one would help me. I decided later that I was going to fight harder. I moved back into my home that sat vacant for 3 years. My mortgage was sold 3 times at least. I started this process with many services, XXXX XXXX XXXX ( one of the rudest companies ever ) and XXXX XXXX. Once we were close to modifying my mortgage was sold again. Now with Ditech, I had to wait a very long time to start a modification. I did all the leg work. I sent in all my papers in XX/XX/XXXX. My modification trial started, I made all my payments ( which I feel should be less, currently @ {$2500.00} ). They did say they were slightly behind and instead of 3 mos it could take 5 or so. Now here we are XX/XX/XXXX I am still without modification papers, all payments made. I call there teams, its like speaking to a new employee ever time. Their loss mitigation dept does not speak to their foreclosure dept. Also in XX/XX/XXXX, the foreclosure dept sent my attorney Modification papers saying I neglected to sign them and if I didn't do it immediately the deal was off. I signed and forwarded and then called loss mitigation and said you never sent me papers and they stated the attorney should have never recieved those documents and they were invalid. I called this am, XX/XX/XXXX, I was now told they finally received the title chain they needed and were working on my papers ... ... Which may take 30 more days. I stated this is now unacceptable. These mortgage companies hold people hostage, make you feel like you are an irresponsible person ( which I am not ) and as if I am some how the only person to be held accountable. This system is outrageous, WHO PROTECTS ME????????? 
I have a book with dates and calls and there were so many I stopped writing them all down, I have papers and papers I have worked on, at what point does someone protect me and people like me. I am not looking for a free ride, I have work hard my whole life and just want this process laid to rest. I am disgusted the government has not done more to help those responsible people who just had an unfortunate situation. I should be protected from this process, am I?????? 
If you need all my documents tell me where to mail it, its way too much to attach here.

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 2018-03-02 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: OR

Complaint narrative:
I received a call from a company claiming to be called XXXX XXXX from phone number XXXX. The call came in around XXXX. They called my spouse then my cell phone. When I answered they immediately asked how I was related to my spouse. I said who is this? He said he was with a company investigating a case of fraud and theft. I said from who? He said the state of Oregon. They said it was for theft of goods and services. I said who do you represent and then he finally said a payday loan company Ace Cash Express. I said oh ok well I need to let you know that I am in OR and you are calling way too early. He said he was not bound by any collection laws such as FDCPA. I told him I need to advise you I have an attorney that is hired to file bankruptcy and you need to contact him as Ace is named in our bankruptcy. He said it isn't filed yet. I told him that is all I have to tell you please contact my atty. He said well I am going to come to your house and you will be served any licenses you have will be terminated. So I hung up. He immediately called back with a blocked number and said they were on the way to our house and the he contacted the atty and he will not back me with this. I hung up again.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Santander Consumer USA Holdings Inc.
State: CA

Complaint narrative:
The interest rate santander charge my car was priced @ {$17000.00} the interest rate is {$20000.00} leaving me to pay {$37000.00} on a used car

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-02 00:00:00
Product: Credit card or prepaid card — Store credit 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I have had four disputes with Synchrony regarding a delivery of appliances that was delivered and then taken back by the delivery company due to my frustration that they did not have the entire appliance order that I made. Synchrony has had four chances to resolve the dispute and they have not undertaken a full investigation and solely relied on mistruths by XXXX  that the delivery company " delivered '' the appliances. Yes, they delivered them, and then they took them back.

I was in touch with the President 's offices of Synchrony, XXXX XXXX, and he has not initiated communication at all other than an introductory email. Synchony, as is typical, has not notified me in a timely manner as to the dispute resolution.

Attached find a chat I undertook with Synchrony to find out the dispute resolution as Synchrony has not notified me of their " resolution ''.

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 2018-03-02 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: MA

Complaint narrative:
On Tuesday XX/XX/18 I went to my ATM to withdraw funds. It read insufficient funds. Got on my computer and pulled my bank statement and noticed that PAY PAL had debited my account for {$510.00} and {$600.00}. I DO NOT HAVE AN ACCOUNT WITH THEM. I call Pay Pal immediately to report the fraud. A representative ( XXXX ) saw the transactions and said they were indeed fraud and froze the account of the person where the money went. Originally he was to able stop 1 transaction, however both have gone through. They claim it will take 15 business day for the money be returned. I claim it was there mistake and I do not have a account with them. Attempting to contact to escalate is impossible ( XXXX ) My bank XXXX XXXX is attempting to help, however they also hit road blocks. How does Pay Pal breach my account and grab my money?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-03-02 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: 21ST MORTGAGE CORP.
State: NJ

Complaint narrative:
On XX/XX/XXXX a bona fide contract in the amount of {$500000.00}, HUD letter, buyers mortgage approval letter and the property inspection report was filed with XXXX XXXX XXXX the loan servicer The servicer failed to respond to repeated calls and emails for 10 days. On XX/XX/XXXX the servicer sent a letter denying the short sale. The current loan balance is {$490000.00} as of XX/XX/XXXX. The servicer forwarded an email to their legal counsel on XX/XX/XXXX instructing them not to adjourn the sheriff sale scheduled for XX/XX/XXXX. The sale closing is scheduled for XX/XX/XXXX. The servicer stated that the pending sale.is rejected as of XX/XX/XXXX. The reason for the rejection stated by the servicer was that the sale was required to be 37 days from the date of the sheriff sale. I contend that the servicer rejected the sale because they wished to inflate their fees and costs and legal fees. Further the price obtained at sheriff sale will no doubt be less than the private sale thus increasing the amount of the defiency and thereby increasing the potential for a greater deficiency judgement against the borrower. I have emailed the servicer and demanded a copy of all communications written or recorded to and from the borrower, proof of their authorization to act as agent, as well as copies of internal communications to legal counsel, the complete file, the basis in law that provides the 37 day period and a request for an adjourment of the sheriff sale as to facilitate the sale of the property. I am filing this complaint in good faith and as truthful testimony. Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This is regarding Experian Credit reporting. I signed up for their monthly membership plan over two years ago and have had access to my credit report so I can monitor it. I have been trying to cancel my membership for over a year now with no use. There is no way to cancel online. They give you a phone number, once you call the phone wait time is consistently over 2 hrs!!

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