vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-04-16 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
My problem is actually 2 fold, it involves a mortgage with Citibank, and Title to a property, actually 2 separate properties, in XX/XX/XXXX I mortgaged a home, there was lien that was not picked up, I later did a heloc, again lien was not picked up, ..foreclosure started with citibank 3 years ago, and still going on. when I found out about the lien, that was 3 years ago when the foreclosure started. I had asked Citi on several occasions, that I needed the copy of title and the closing docs ... at that time I also wanted to have his supervisor involved, in this, as I knew it was going to take many brains to wade through this mess. Finally in XX/XX/XXXX I found out who the title company was and I also found out that title include 2 homes not just one ... .so now, we have citi loaned monies on a title that was not correct and that had a lien on it ... .I contacted the title company explained the problem, was assured it would be taken care of ... .as XX/XX/XXXX nothing has been done, by XXXX dropping the ball, I now have legal actions against me, due to title not being correct, XXXX has not been in communications with me, and Citibank has made a mess, and the foreclosure is still going on ... and it involves people who should not in included in the foreclosure. So due to the incompetence of 2 companies, and their employees, there is such a mess and no one is stepping up to the plate to get it done and corrected ... .Citibank was made aware, 3 years ago, that there might be a problem with the title, and was told to make sure that title was correct ... as I explained, when I sold a home, I got a call from the title company for the buyer, they told me that Citi had a lien, I explained that the lien belonged to the other home, across the drive way, called the loan servicing dept at Citi to tell them there was a problem with title, got hung up on 5 times, called the loan officer, got a rep from Citi to call me, explained what was going on, got a call from the buyers title company, was told, it was all taken care of ... buyer closed, come to find out in XX/XX/XXXX when served with foreclosure papers ... title was not taken care of, he closed, have no clue how that happened, lien was never picked up ... .and we now have a mess that XXXX needs to fix, and Citi needs to fix, neither company wants to do their job

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-13 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
On XX/XX/XXXX, tried to pay my Capital One, Venture Card. Restricted File # Ref. No. XXXX, called Capital one, told I had a Bankruptcy filed! Told them I never filed Bankruptcy! 
And other Capital One card was fine, that I had paid it that day! Said they would have to wait 3 days for them to correct their mistake. 
Called XX/XX/2017 Card still restricted. Could n't give me number to call for SECURITY REASONS. Keep calling back, maybe I can get a Supervisor then!! 
Called Fraud protection number XXXX spoke to XXXX, Have to wait until cleared by Bankruptcy Dept!! Should be cleared by XX/XX/2017. 
Called XX/XX/2017 transferred to 3 different people, told this bankruptcy had been filed XX/XX/2017 XXXX XXXX Court of Indiana!! Ca n't do anything now. 
Called Corporate # XXXX spoke to Agent XXXX XXXX, told other calls made to CapitalOne were not never put thru correctly! She would put thru and have it cleared. 
Called XX/XX/2017 XXXX told them I was going to report to CFPB putting thru to Supervisor, disconnected, called back, disconnected, called back again getting Supervisor, then " sorry having company issues with system ca n't get supervisor '' call back later! 
Called XXXX XXXX Court Indiana, ca n't help since I am in Florida, would n't be filed there!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-15 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
This complaint is in reference of CFPB Case number : XXXX. 
The response from Wellsfargo did not address the complaint. The issue here is that Wellsfargo steals my money of {$1700.00} and using fake excuses to cover up. 
I am the one who opened the checking account. I did come to XXXX branch to see banker named XXXX and showed her my driver license to prove my identity. 
As per XXXX at Wellsfargo Identity Theft Operation ( XXXX ), there is no identity theft claim. I have tried to call and left several messages @ XXXX but no one ever calls me back. Wellsfargo created this whole fiasco to steal my earnest money. 
I still have {$1700.00} in my account. I want the money to be refunded to me. The issue here is Wellsfargo does not want me to have access to my money or return the money to me. 
I do not raise any concern about identity theft with Wellsfargo. I did check my credit report and did not see anything new. Wellsfargo made up the whole story. First, I was told someone tried to use my profile to open the credit card. Later, I was asked to come to the branch to prove my identity. Now, Wellsfargo said the account was opened without proper authorization while I am indeed the one to open the checking account. I demand Wellsfargo to refund my money ASAP. Thanks.

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 2017-04-20 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Shopping for a loan or lease — 
Company: World Omni Financial Corp.
State: FL

Complaint narrative:
I applied for auto financing and they advertised a 0 % for 72 month loan and when I applied they refused to give me the rate even though I had good credit. I asked for information of the qualifications and was refused the information.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-13 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: FIRST NATIONAL BANK OF OMAHA
State: IL

Complaint narrative:
Someone trying to open a credit card under my name from  XXXX  and  XXXX  first bank card.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-21 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BMO BANK NATIONAL ASSOCIATION
State: IL

Complaint narrative:
In  XXXX   XXXX , I opened a bank account  with BMO Harris  Bank in which I would earn a {$300.00} bonus after completing  XXXX  direct deposits. My  XXXX  direct deposit was completed on  XXXX   XXXX ,  XXXX . It is more than 100 days since completing the requirement and I still have not received my {$300.00} bonus.

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 2017-04-20 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: FL

Complaint narrative:
Dear Sir/Madam, This is the letter of complaint about a loan application through     XXXX   XXXX   We applied for a loan at the end of  XXXX  to buy a condo unit in  XXXX . Mortgage broker  XXXX   XXXX  advised us to apply for the loan as a secondary home, and assured us from the beginning that our application will be approved. Trusting his assurance ; we paid initian fee and started the process. Projected closing date was the end of  XXXX . We were asked for tremendous amount of paperwork and never given the guidance how to prepare it. We enrolled brokers ' supervisor but again without any support. We did not complete the process in time as our phone and emails/text messages never returned timely. Eventually, our application was denied and information was not given directly to us but to our real estate agent. The reason for the denial was that wrong type of loan was applied for. We were told that we should have applied for different type of loan from the beginning. With the fear of loosing our downpayment ; we ended up applying higher rate with higher points, which costed us  XXXX  $ extra money.   If we were told the truth from the beginning and treated timely and professionally we would not go through this misery.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-19 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: VIRTUOSO SOURCING GROUP, LLC.
State: TX

Complaint narrative:
The account was paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: SLM CORPORATION
State: MN

Complaint narrative:
I am the co-signer on my daughters  Sallie Mae loans. M y daughter stopped making her payment in   XXXX   XXXX   XXXX    . Her loan is currently in default. Since that time I have had several phone conversations with representatives a t Sallie Mae abou t the situation. My daughter has been out of communication with me for over 2 years. I do not know about her work situation or how to contact her. I have provide  Sallie Mae the most current information I h ave on her. In   XXXX   I was told by a  Sallie Mae supervisor that they would use the resources at their disposal to connect with her. I explained that   I could not pay what they were asking as I am already paying another private Student Loan of hers which is {$720.00} per month. I ca n't afford anything more. They needed to find her and figure this out with her. In   XXXX   I spoke with  Sallie Mae agai n and provided an address and phone number for a he place of employment based on her LinkedIn profile. In   XXXX   when I spoke with  Sallie Mae aga in they informed me that they had not tried to find or reach out to her but needed me to pay. I do not understand why with the resources at their disposal they have no accountability to track her down and fit out what her ability to pay is? I was very disappointed that they did nothing with the information I provided them to find her and provided no solution for me. Since this is a  Federal lo an do n't they have an obligation to at the very least provide solutions for the borrow and to do that need to find a way to be in communication with her? It does n't appear to me that they are doing the jobs they are being paid to do. Instead they call me constantly at work, home and on my cell and offer nothing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-21 00:00:00
Product: Credit card — 
Issue: Other — 
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
Chase is reporting a charged off authorized user account I was on to my credit. I am not financially responsible and this is illegal to do.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-19 00:00:00
Product: Consumer Loan — Personal line of credit
Issue: Account terms and changes — 
Company: Byrider Franchising, LLC
State: IL

Complaint narrative:
CNAC car creditor keeps updating status on my credit report that should have been removed when the original date was  XXXX  of   XXXX   and  XXXX  wo n't remove it. Its showing up as a paid charge off.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-21 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: ID

Complaint narrative:
A loan was opened to purchase an  XXXX  on installments thru  XXXX .  XXXX  finances the phones via  Citizens One.     Order  #  XXXX  was placed on  XX/XX/XXXX  with  XXXX .   Due to issues activating the phone on  XXXX   XXXX  I cancelled the order and  XXXX  issued a full refund on  XX/XX/XXXX  . Citizens One op ened an installment loan for the purchase amount.  Loan #    XXXX  and began billing my credit card for monthly installments. I was bill ed 3  consecutive months for a phone that was already fully refunded back in   XXXX  . I was able to have payments stopped the end of   XXXX   and hav e Citizens One iss ue a refund for payments made. At this time I was ensured that the account was closed. On   XXXX   XXXX   I received a final notice from  Citizens One tha t the above mentioned loan is delinquent and will be closed for non payment. And my file would be reported to the credit bureaus and collection was to be made. I called  Citizens One  on  XX/XX/XXXX . Spoke with rep who told me I would receive confirmation within  48 hours.  Nothing happened. On   XXXX   I called and spoke with  Floor Supervisor   XXXX  who insured me she personally will resolve the issue with their escalations department withi n 24 hours.  She gave me a claim #  XXXX  as reference. After 5 days again nothing happened. I called again on   XXXX   and spoke with  XXXX  who again said escalation is working on it and I would hear back i n 3-5 busine ss days. Again the  Time has  elapsed and nothing. I would like this resolved as I do not owe  Citizens One any   money and do not wish my credit to be negatively affected by this situation.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-04-21 00:00:00
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: CFS2 Inc.
State: GA

Complaint narrative:
Hi,   XXXX   XXXX  fro m CFS2 called  my employer attempting to locate me and was rude and threatening to the person who answered the phone. When they asked for his name and number, he hatefully replied with his name and told them they could look on the caller ID to get his number. He then proceeded to tell my employer that " I would know what this is about ''. My employer came to me to ask if everything was ok and told me to handle my business. My fellow co-workers now know that I am having financial trouble and have bill   collectors after me.
The nice la  dy that answered the phone also sent me an email that reads : "  XXXX , You received a phone call from a gentleman ( not a nice person at a ll ).       XXXX   XXXX , from  CFS2, te l :  XXXX   CFS2 h elps consumers achieve financial recover This was definitely not a new business call. '' Can you please make sure this company does not harass other people at their jobs?     Thank you,  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-19 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF THE WEST
State: IA

Complaint narrative:
I submitted a mobile deposit to Bank of the West on Monday   XXXX   to which they put a hold on the deposit. I then had a check clear but due to those funds being on hold I was charged an Overdraft fee, even though there was enough to cover the check.

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 2017-04-18 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
I 've been setting up automatic monthly payments with Navient for years. Every time they set me up on a new monthly payment, I write down the name of the rep an d her ID #. 5 or 6 months later, I get harassed and calls everyday saying im in default and it messed up my credit score. when asked why, they always tell me my monthly charge is wrong and i own X amount more. But I can pay the difference to be in good standing. Well, ive been doing this for yrs! Stil every 5-6 months pases, and I have to start over and deal with them putting me at default and increasing my payments. I mean, i set up auto pay! How can I miss payment amounts on that? giving them the previous rep 's name and # does n't even help. they also blame the person who helped me before, saying they calculated the pay wrong. so, it threw my current acct off. They say they will fix it and remove all my late fees, but it never happened. i 'm getting interest on the late payments and i ca n't even buy a car or house! I actually have to call them again bc as usual, I check my online acct and I still have a default acct even though they take money from me every month. I hate calling them. It 's a waste of my time and they act as im the one to blame. I need to get this fixed asap. It has ruined my life. sometimes I ev en think about committing suicide bc no one will resolve this.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-04-21 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: PA

Complaint narrative:
Hello CFPB, My name is  XXXX   XXXX  and  XXXX   XXXX  and this is my story/complaint. Late last year in   XXXX   XXXX   XXXX     I was offered a permanent loan modification for my mortgage with servicer being Ocwen loan servicing. They  ( Ocwen )  failed to communicate with me that the permanent loan modification paperwork was missing a signature on  one  of the pages. I did not know that the permanent loan paperwork was missing signatures as I thought I had signed all necessary pages. I mailed the permanent loan modification on   XXXX   XXXX   XXXX   XXXX   I NEVER received any type of communication from  Ocwen  that a signature was missing for over 2 months. Had I known, I would have signed and sent back immediately. In  XXXX , I receive a letter that said I was denied the loan modification and the first payment was sent back to me. All  Ocwen  had to do was to give me a call or send me a letter stating the problem. I even spoke with a customer service representative and she clearly stated that there were no indication that a letter was mailed or a phone call was made to me to let me know that signature was missing. Not only am I behind on my mortgage now they are not willing to give me any type of loan modification after I had re-submitted for a loan modification. I understand that I failed to signed in the proper place, but the fact that  Ocwen  NEVER communicated either by phone or by to correct the simple error of not realizing that I had missed sign one of the pages. They had 2 month to communicate this and they did not. I believed they have to be hold accountable to not communicating of the mistake to take action and correct it. Now here I am facing foreclosure for something that could have been taken care of so easily. I have a conventional and now I have lost the opportunity to apply for HAMP. This has caused me great unnecessary stress in which now they are saying that my only option is either short sale or deed in luau. I can afford this property if they give me a loan mod. Your help in this matter is greatly appreciate it. Thank you for your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-20 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
A few years ago I contact ed Citi bank  regardi ng my sears cr edit card account and inform them I will like to dispute the balance on my account because I 've been paying for this account for years and the balance has n't changed. If anything it has increased exponentially.   I also advised citi to not contact me by phone and and requested any sort of correspondence should be done via mail. Needles to say they completely disregarded my request and kept calling me and NEVER validated my balance or submit to me my request of original application for this account and the original Terms and Conditions. I keep paying on this account even though my request went on deaf ears. About a year or so ago I contacted them again and requested the interest rate on this account reduced so that when I make payments on the account it will actually help reduce the balance owed .... that request was n't honored. I then again requested a validation of this debt. Months went by and I never heard from citi again. As far as I 'm concerned they have violated the CFPB laws,  Udap, Fcra a nd multiple rules with respect to honoring my demands. Due to citis violations of these rules I am requesting that this account should be closed and deleted from my credit reports.     XXXX   XXXX   XXXX   also called me and mailed me with regards to this dey stat ing Citi sold t he account to them. I explained to the representative that this account should be closed and deleted from my credit reports due to Citis violations. The rep advised they will not be doing such thing. The rep then proceed to offer me a settlement offer, completely ignoring my demands. This collection agency has a horrible reputation for strongarming customers into paying disputed debts. I am her by asking this debt to should be closed and deleted from my credit report. I will be forced to hire a legal professional to assist me with the matter if citi and   XXXX   XXXX   refuses this request.   Thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-21 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: KEYCORP
State: MA

Complaint narrative:
I opened the  KeyBank  account back in  XXXX   XXXX    XXXX   with the sign up bonus promotion of {$300.00}. I met all the criteria for the bonus but has never received it. I then contacte d KeyBank and found out that the promotion code I gave to the clerk was never submitted to the headquarter. I spent another 2 months to resolve the issue myself but it appeared KeyBank is delaying the process until I give up.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-04-20 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
There is an account from  XXXX   XXXX   XXXX  appearing on my credit report and it should not be there. This was previously disputed and removed and it has now reappeared.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-21 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Jzanus Ltd.
State: NY

Complaint narrative:
I received several letters saying I had a debt to a hospital for the    XXXX   XXXX   XXXX   XXXX   , scared I paid the debt as I did n't want it to mess up my credit. However, now I received a call saying the debt was not paid to the company  Jzanua LTD.

Company response to consumer: Closed with explanation