vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-03-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: TN

Complaint narrative:
I submitted a request for loss mitigation options on XXXX/XXXX/XX/XX/2015 My authorized 3rd party left several messages for follow up to confirm documents received and the authorized agent XXXX XXXX would not return calls. Finally when he was reached on XXXX/XXXX/XX/XX/2015 on a recorded line he stated that they refused to review the documents because it was received XXXX days prior to a sale date. He refused to send anything in writing stating this. Please help. I was never notified of the last day for loss mitigation options in writing nor verbal. PLEASE HELP!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-05-08 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH

Complaint narrative:
I had a yearly escrow analysis done on my mortgage account, which at the time of the analysis was just a little over XXXX months old! Then I was told that a second XXXX had to be done to correct the problem are to see if there was a problem with the first XXXX and it would take 5 days to be completed. Its now been 8 days and its not completed

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-25 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Freedom Mortgage Company
State: MT

Complaint narrative:
1. I have a loan through Freedom Mortgage that is 3 years old. In XXXX I put XXXX on my loan balance which took the debt ratio below 63 %. When I originally secured my loan I was told that when my balance/ debt ration was below 78 % the PMI would automatically be dropped from my loan payments. I contacted Freedom mortgage and they told me I had to have an appraisal done through THEIR company. When I I received the appraisal estimate it was {$780.00}! I paid {$500.00} for my original appraisal when securing my loan three years ago!!! I asked if I could contact the original appraisal company and get the original one updated they denied my request. This has been dragging on since XXXX. It is extremely difficult to EVER TALK to a Person who make decisions if you are lucky enough to get a real person. In their phone system they initially identify me by my phone number linked to my loan number but am required to re-enter them both in XXXX more times before talking to someone!!! Then they open a ticket and send you a letter in 10 days. This has happened twice and two other times I was promised a call deadline to discuss the situation but never received al call!!! 
This has drug out for 4 months of additional {$99.00} PMI payments!! {$400.00}!!! 
I have NEVER been late for a payment and have a very HIGH credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A.
State: ME

Complaint narrative:
We fell behind on our house payment due to me getting sick with XXXX and having to have XXXX and XXXX treatments. I was out of work for over a year. They started foreclosure activity. we tried to do deferments of the loan or modification of the loan, with no luck due to not enough income, and said we were not eligeable for deferment of house payments due to unemployment. We were also told that we could not appeal the decision which the letter from the bank stated we had 30 days to appeal and we tried to appeal 3 days after the letter. We resubmitted our request for modification and was told that when they were reviewing the modification request that all foreclosure activity would stop until they had an answer. 3 days later XXXX XXXX called and said that they were going to proceed with the foreclosure and the sale of the house even while they were making a decision on the modification while it was in review. We still continued to receive letters stating that they would have an answer on the modification by XXXX XXXX. The house had already gone up on forclosure and has been listed on auctions.com I called the lawyer that represent citi XXXX XXXX XXXX and was told that citi has so many different departments and they do not communicate with each other, that our house was on hold for the forclosure sale. Still being listed on XXXX for auction.

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 2016-07-27 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
My credit card account was closed without me receiving notice. Each month I have been receiving my statement via email from Sears. On XXXX XXXX I received my annual privacy notice which brought to mind I have not used the card. On XXXX XXXX I tried using the card and it was declined. Upon call on XXXX XXXX I was informed my account had been closed. I asked for a copy of the required notice that I never received and they said they could not send it. I never received the supposed mailed notice.

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 2016-08-19 00:00:00
Product: Credit card — 
Issue: Other — 
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
In the Costco transfer from XXXX XXXX to CitiBank, existing XXXX customers were informed the balance transfer interest rate would reamain the same for the transfer balance. I was notified today that the interest rate on my ENTIRE balance ( new purchases and transfer balance ) went up to 25.49 %. I have disputed this rate increase with CitiBank, but frankly, do not expect a response in the next year or two. Customer service there is negligent and usurious. 

Is there recourse?

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 2016-05-10 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I just got my first credit card ever in the mail from XXXX. I looked at the free credit scanning program included with my card, and saw that I had a Sears Credit card with a balance of {$1400.00}. I have never owned a credit card from Sears. This charge needs to be removed immediately. I suspect my identity has been stolen.

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 2016-11-04 00:00:00
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: CITIBANK, N.A.
State: DC

Complaint narrative:
XXXXMY HUSBAND AND I HAVE BANKED AT CITIBANK FOR AT LEAST 25 YEARS AND WE HAVE NEVER BOOUNCED A CHECK. SINCE XXXX 2016, WE 'VE RUN OUT OF FUNDS FROM ONE MONTH TO THE NEXT. FROM XXXX to XXXX 2016, MONEY HAS BEEN MISSING and IN XXXX SEVERAL CHECKS HAVE BOUNCED. ON XXXX OCCASIONS, A TELLER WOULD GIVE ME MONEY BACK FROM ME CASHING A CHECK ( HANDING ME THE MONEY WITHOUT COUNTING IT IN MY PRESENCE AND ON XXXX OCCASIONS, WITHOUT LEAVING THE WINDOW, I COUNTED THE MONEY IN HER PRESENCE AND EACH TIME {$10.00} WAS MISSING AND I TOLD HER THAT {$10.00} WAS MISSING AND SHE ACTED AS IF SHE WAS LOOKING AROUND HER AS TO WHERE IT MIGHT BE AND IT WAS UNDER SOME PAPERS AT HER DESK. I HAVE REFUSED TO GO TO HER WINDOW FOR HELP. THE LAST TIME THAT I CONFRONTED HER SHE BECAME BELIIGERENT AND TOLD ME THAT IF I DID N'T GET OUT OF THE BANK, SHE WOULD HAVE SECURITY TO ESCORT ME OUT. AS I SAID PREVIOUSLY, I HAVE BANKED AT CITIBANK OVER 25 YEARS AND HAVE N'T HAD A MOMENT OF BANKING PROBLEM WITH OUR MONEY, NEVER HAD A CHECK BOUNCED. AS SOON AS I CORRECTED THE PROBLEM BY PUTTING MORE MONEY IN THE ACCOUNT, THE MONEY WAS GONE AND OUR ACCOUNT WAS IN THE RED AGAIN. IN MY HOME, I AM THE ONE THAT HANDLES " ALL '' OF MONEY TRANSACTIONS, INCLUDING DEPOSITS, CHECK CASHING and ANY WITHDRAWALS. MY HUSBAND HAS " NEVER '' HANDLED ANY OF THESE SERVICES BECAUSE ALL OF IT ( SINCE MARRIAGE ) HAS AND IS HANDLED BY ME. HE HAS NEVER WITHDRAWN ANY MONEY. I BROUGHT THIS MATTER TO THE ATTENTION OF THE MANAGER OF THE BRANCH WHERE I BANK. THE MANAGER SAID THAT CITIBANK WOULD BE INVESTIGATING THIS SITUATION ALSO. HE SAID THAT HE HAS RESTORED A COUPLE OF FEES THAT I HAVE RECEIVED. I AM UNABLE TO POINT OUT ALL OF THE RETURNED FEES THAT I WAS TOLD HAD BEEN RETURNED. PRIOR TO BANKING AT CITIBANK, I BANKED WITH " XXXX XXXX BANK '' AT LEAST 15 YEARS AND THERE WAS " NEVER '' A PROBLEM WITH ANY MONEY CONSIDERED MISSING OR THE INABILITY TO KNOW WHERE THE MONEY WENT. AT XXXX, ALSO, THERE WAS " NEVER '' A TIME THAT A CHECK BOUNCED. I HAD MONEY IN SAVINGS ACCOUNTS THAT HAD BEEN THERE FOR YEARS THAT I HAD TO USE AS WELL AS MONEY THAT I HAD RECEIVED FROM MY DECEASED MOTHER OVER XXXX ( XXXX ) YEARS AGO THAT I HAD TO USE TO COVER MY CHECKING ACCOUNT WHERE THERE WAS SUPPOSE TO BE MONEY. I HAVE DEPLETED ALL OF MY ACCOUNTS AND MONIES THAT I HAD AS " SAFEGUARDS '' or " EMERGENCIES '' THAT I NEVER HAD TO USE. NOW, AS I THINK ABOUT IT, I BELIEVE MONEY HAS BEEN MISSING OVER QUITE A PERIOD OF TIME, BUT I USED WHERE NECESSARY AT ANY TIME, BECAUSE THERE WAS ALWAYS A SURPLUS AFTER PAYING BILLS, ETC. I AM GRATEFUL FOR ALL OF YOUR HELP TO GET TO THE BOTTOM OF WHAT HAS BEEN HAPPENING TO OUR MONEY. PLEASE CONTACT ME IF MORE INFORMATION IS NEEDED.

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 2016-09-07 00:00:00
Product: Credit card — 
Issue: Late fee — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I was charged a $ XXXX late fees on a monthly basis after I enrolled in auto-pay with Macy 's credit card, which totalled {$230.00} plus {$10.00} interest for this year alone. I authorized the auto withdrawal from my checking account on XXXX/XXXX/XXXX when the billing due date was XXXX each month. Macy 's changed it to XXXX without my knowledge and started to charge late fees since XXXX until now based on the two days difference. I did n't notice this until receiveing the current statement yesterday, XXXX/XXXX/XXXX, and called Macy 's, and was only given a {$19.00} refund. When I set up this auto-pay, the due date and withdrawal date was arranged between Macy 's and my bank. I have no hand in the process. I do n't understand why Macy 's changed their due date but persisted on the original withdrawal date so as to create a gap for late fees and allowed it to continue for almost a year? I have more than XXXX other auto-pay arrangements with other businesses, but none of others ever charged me a late fee for any excuses. I believe I deserve a full refund of the {$250.00} charges for 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 monetary relief
Consumer complaint received 2015-04-23 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: HOVG, LLC
State: TX

Complaint narrative:
Bay Area Credit Services has been harassing my in-laws for an emergency room debt that has long been paid and had nothing to do with them. I 've told them the debt was paid but they do n't believe me and wo n't furnish the proof that I owe anything. I have the receipt and confirmation of payment, as well as proof from my bank account but I refuse to send them any of my personal financial information. The callers have been rude, unprofessional and abusive. They have screamed at me and hung up on me several times.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-11 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: WINN LAW GROUP, APC
State: CA

Complaint narrative:
I was given a Payroll Memorandum from my employer stating they will be garnishing my wages. I was totally blown away had to clue what this was for? I looked at the address from the paper work it 's my sister address. I called the number listed they stated it was served to that address which i never lived there. I use my sister 's address to get packages shipped. The collector states he was awarded to garnish my wage due to me not showing up to court on a debt that was charged off from the cc company in 2012. I filed a dispute with that collector company and they stated you can file but? we are still going to garnish XXXX % from your employer. The paper work says XXXX Sheriff Levy and then says filed in XXXX, Ca. I do n't see how companies can do such a thing? Seems like total fraud a credit card company has charged off on the debt 2012 ... how can they harass and individual and then embarrass me at a new employer? I ca n't sleep and have been XXXX over this. I am barely getting on my feet financially. Please let me know what I can do?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-26 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: Synovus Bank
State: MA

Complaint narrative:
The secured credit account was closed by the issuer in XXXX XXXX. At the time the card had a XXXX balance and had not been used for over 60 days. I received my full security deposit. I checked my credit report in XXXX XXXX and it showed the account as closed in good standing with XXXX balance. I checked my report in XXXX XXXX and it showed the same good standing entry, but also showed a XXXX entry from same company first progress showing my account in a negative standing with past due balance. I want this negative entry removed from my credit as I 'm not liable for this fraudulent entry

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-10 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: RELIANCE FIRST CAPITAL LLC
State: NY

Complaint narrative:
While shopping for a loan for a refi, potential lender pulled my credit without permission or authorization. At no time during the conversation was I asked if I authorized a credit pull.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-30 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc.
State: AZ

Complaint narrative:
My Vehicle was Reposed Due to my Late payments and a Botched agreement with my Finance Company Santander. 
When the Vehicle was Reposed by a Contracted Truck Company that is when the Problem Occurred. I was Assaulted by the Truck Driver and Damage was Done to my Vehicle in the amount of $ XXXX {$8000.00} to the Side Passenger Side Door Panel ( Exterior ). 
Which resulted in the Police being Called by Me and a Police Report Filed and Charges being Brought up on the Truck Driver. The Company ( XXXX XXXX ) of Arizona. 
Police Report # XXXX From the XXXX, Arizona Police. 
This Incident Resulted in me Losing My Job ; Because the Incident took Place at my Employers Parking Lot. There is a No Tow Truck Zone Filed with the State of Arizona for My Previous Employer 's Parking Lot. So, The Tow Truck was there on the Property & Premises against A Written & Filed Order. 
On the 2nd Repo My vehicle was Damaged in the Interior Driver Side Arm Rest attached to the Driver Door as well as Theft of my Belongings. 
List of Belong 's : 1. XXXX ( XXXX ) 2. XXXX XXXX 3. XXXX 4. XXXX 5. XXXX XXXX 6. XXXX XXXX 's 7. XXXX The situation with the License Plates Has caused me to be pulled over by the Police on XXXX Occasions and Ticketed on ( XXXX ) Occasion. 
Causing Issues to my Life and way of Living. Stated Below Pain & Suffering * School Work not being Completed ( Due to Stolen XXXX ) * Lack of Job Search & Employment Retention ( Due to Stolen XXXX ) * XXXX ( 2 ) Piece Special Order for a XXXX I 'm apart of & Paid to be a Member of ( Loss Wages ) {$400.00} XXXX @ XXXX XXXX Missed ; Due to XXXX. {$1200.00} Loss * XXXX having to be reordered thru the state of Minnesota {$10.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-08 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: Synovus Bank
State: NJ

Complaint narrative:
I got this card a few years ago to rebuild my credit after a Bankruptcy clearing, this XXXX XXXX is an absolute scam, they advertise Bill Pay, i signed up for it twice and was confirmed thru my Bank, the payment was never withdrawn leading to a late charge. There is no way to dispute these charges except writing a Letter to a XXXX like its early XXXX, i wrote a letter after gaining the address from a sales associate, no response and after Months of waiting for a reply a Check of my Credit found the late charge had not been removed, contacted customer service they stated no such letter was received and to rewrite the letter AGAIN and nobody was available to talk to in the Corrospondence Dept. that was XXXX late charge in XXXX XXXX, in XXXX XXXX a associate purposely decieved me by telling me a false amount was due, i set up Bill Pay again and this time a Manager from my Bank set it up for me, it worked once on XXXX XXXX and then the Bank purposely cancelled the Bill Pay which was supposed to be a monthly withdrawl to incur additional late fees and charges and again leading to a XXXX XXXX late payment report to my credit report even tho i made a payment on XXXX XXXX which is within the 30 day federal fair credit act, This company is purposely decieving and defrauding cardholders for their own financial benefit and ruining credit cardholders credit taking advantage of vulnerable people seeking to repair their credit, i demand these XXXX late payment reports to credit bureaus be retracted immediately, ive read thru XXXX of similar complaints, i have no idea how this company has an satisfactory approval credit rating, A complaint will also be filed with the Georgia Dept. Of Consumer Affairs and the Attorney Generals Office to investigate this Company for Fraud!!! on XXXX I had my final dispute paying off my remaining balance and canceling my account. An associate falsely represented herself as an manager after I requested one and being on hold for 5 minutes and attempted to resolve the dispute on her own I was then on hold for another 10 mins before being forced to hangup.she also said my security deposit would be returned.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-12 00:00:00
Product: Debt collection — Non-federal student loan
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: Lazega & Johanson LLC
State: GA

Complaint narrative:
Lazega & Johanson LLC ; did not reach out to me before they moved forward and filed a law suit. I responded to Lazega & Johanson LLC ; to try to set up a payment plan for case ( XXXX ) in GA. They moved forward and opened another law suit to take my pay, after I sent over XXXX letters from XXXX to XXXX requesting a payment plan. I called the office today on XXXX, and XXXX XXXX told me that they did not have to respond to my letters for a payment plan. I then remember that another law office by the name of XXXX XXXX and XXXX has been taking payments for over a year. 

Lazega & Johanson LLC did not reposne to any of my written request and moved forward to garnish payment when I asked for a payment plan, prior to, the garnish payment file to the court. 

Now I submitted the the order from the case that was resloved ( XXXX ), They are rude and not being truthful.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-05 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Complete Collection Services, Inc.
State: AZ

Complaint narrative:
Complete Collection Service continues to post debt that has previously been REMOVED! Many agencies continue this process of adding, I continue to dispute them, they get removed, then reappear under a different name ( XXXX XXXX, XXXX, XXXX, XXXX ). Some have even changed the name of the original creditor.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-12 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc.
State: WY

Complaint narrative:
I am dealing with Santander Consumer USA. I have recently found that over XXXX in payments are missing from my account and that resulted in a repossession and absurd amounts of money to retrieve my vehicle. I have my bank statements and copies of my checks that were sent on time and cashed weeks later. I also never received any contact when they determined I was late. Four months went by and they charged the account off marking my credit badly.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-20 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc.
State: CA

Complaint narrative:
XX/XX/XXXX, I contacted Santander CSR around the Holidays last year to explain that I would not have internet and so I would be making a double payment in XX/XX/XXXX to cover both XX/XX/XXXX and XX/XX/XXXX. I was advised that it would not jeopardize my account. I made that double payment and they did not apply one payment towards XX/XX/XXXX so, from that point it looked like i was 30 days late each and every month. On top of that, auto bill pay from XXXX sends XXXX the payment a week prior to due date and still the payment is getting posted. Their CSR person told me that they do this purposefully to encourage customers to use online autopay or pay via web which incurs almost {$13.00} charge per online payment. I keep getting funneled to people within Santander who give me conflicting information. Ultimately, I want them to make good on their word, retract the 30 day late reporting from XX/XX/XXXX up to date XX/XX/XXXX. They are negatively and inaccurately reporting based on their dysfunctional customer service and supervisors who do not do what they say and misguide their customers. Several times I called in to update my address as the company was mailing statements to an address that I lived at 9 years ago so I was making blind payments based on the fact that they NEVER did their job and updated info. I just recently and FINALLY got the help i needed to gain online entry.

Company response to consumer: Closed with explanation