vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-08-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Hello, we have had our mortgage with citi mortgage for just over two years. Our original mortgage payment has just been increased from XXXX to XXXX for this year. We have a 30 year fixed. Our previous taxes were XXXX due to the star program. The star program ended by the state so instead of applying it monthly we get a lump sum check in the mail each year. Our mortgage company due to star program ending is veiwing our taxes as a shortage in escrow for last year which is fine, I understand our mortgage going up to cover the XXXX extra shortage from last year, our homeowners did increase this year to an extra XXXX per month. However this year our taxes went down by XXXX which we provided proof to citi mortgage. Citi Morgage has raised our mortgage by XXXX per month and they can not explain why. My wife and I have called and we keep getting different answers, none of which make any sense. They refused to provide anything in writing describing their changes. They even agreed that their calculations seemed off but still wo n't change. I understand my mortgage going up XXXX to cover the increase and shortage from last year but they are asking for a " cushion just in case our taxes go up again '' which we provided them proof they have not. I want to pay the fair amount for my mortgage not an extra XXXX dollars because they feel like it. This new payment goes into affect XXXX XXXX I would like this matter resolved as soon as possible and Citi Mortgage to be held accountable for the unexplained charges.

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 2017-08-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
i disputed with the credit bureau as well as with the creditor and the credit bureau responded with a letter stating the accounts was verified. I counter responded back asking for proof of verification and validation. No other response has been giving nor any documentation. I 'm assuming that there verification was someone looking at a computer and saying this is my account which is unacceptable. It has now been well over XXXX days and the issue has not been resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-29 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: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX has 4 different accounts reporting to my credit reports that are XXXX debts and are pass the statue of limitations and they will not delete them.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: PHH Mortgage Services Corporation
State: NH

Complaint narrative:
PHH Mortgage company has stopped accepting my monthly loan payment. In XXXX XXXX, PHH mitakenly claimed that I did not have home insurance on the property. I provided proof that I did have insurance. However, this mistake by PHH triggered problems with the mortgage, putting my payments in arrears. I continued to make my payments but these were always considered in arrears because of the escrow account set up by PHH. Six months ago PHH stopped accepting my monthly payments and now PHH has sent my loan to a law office to begin foreclosure proceedings. 

All I want is a detailed review of my loan to determine why PHH took out lender 's insurance on the property given that I also had insurance. Also, PHH has created an escrow for property taxes, even though I have never been late with property tax payments to the City.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-29 00:00:00
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Altisource Portfolio Solutions, S.à r.l.
State: CA

Complaint narrative:
Nationwide Credit is acting illegally and unethically in dealing with a debt. Their license in CA must be pulled for unethical behavior. At issue is the fact that we are trying to do a short sale. CA law forbids contribution to junior lien holders in a short sale. Nationwide, the junior lien holder, is trying to receive a significant contribution which is illegal. To make matters worse Nationwide a division of XXXX very well knows that their parent company 's policy is pay junior lien holders 8 % of their outstanding debt on a short sale. This is the amount being owed to the owner of the debt and their parent company XXXX. XXXX only pays 8 % they can receive 8 % too. What 's good for the goose is good for the gander. Try to illegally play a shell game and move this debt to their Nationwide department does not obsolve them of the requirement of receiving 8 % of their pay off for the short sale only! Nationwide/XXXX must issue an approval letter ASAP to match the amount notated on the first lien approval letter attached.

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 2017-08-29 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
on XXXX/XXXX/XXXX we were asked by the father of a ( supposed ) exchange student to send a money order in the amount of {$1400.00} to his Bank of America Account : account number XXXX in the name of XXXX XXXX. He had given us a bad check for {$3800.00} and had asked us to use his money to buy his daughter a car. Our XXXX bank had said that the check had cleared but it had not. It was a scam to get us to send him our money. We filed a police report # XXXX. Bank of America froze XXXX 's checking account due to fraud and have not returned our money. XXXX also requested that we send a XXXX XXXX XXXX to XXXX in the amount of {$500.00}. I did that. So now Bank of America can reimburse us for the amount of {$1900.00} because his account is frozen due to fraud. Bank of America refuses to talk to us because it involves XXXX 's account and not ours.

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 2017-08-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: OH

Complaint narrative:
On XXXX XXXX 2017 at XXXX Eastern I cashed out my bitcoin wallet from Coinbase.com. I received confirmation XXXX. It has been 13 days and I still have not had the money deposited into my bank account. Additionally, I have sent them two messages following up on this and have not gotten any response. This company seems to be scamming me and the least they could do is respond and let me know where my money is. It only took 1 day for them to get my money, it should n't take this long to give it back.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-29 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A.
State: MS

Complaint narrative:
Follow-up Documents to Complaint XXXX / Scam Alert?? 

As previous mentioned, I want answers as to how my mortgage was placed under Bankruptcy when I, the sole owner has not filed bankruptcy!!?? My XXXX mother lives with me. She has filed for bankruptcy. She is not listed on any documents related to my mortgage. However, Flagstar has placed my home in their " bankruptcy department ''. They are also charging me for " Legal action and fees ''. Why? If they had searched public records they would have known this was an error. I am starting to think this is some kind of scam ( place accounts under bankruptcy, then charge owner for " Legal action and fees '' ).

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 2017-08-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Filed for bankruptcy
Company: BARCLAYS BANK DELAWARE
State: UT

Complaint narrative:
Barclay Bank is in violation of the Bankruptcy courts and violating the automatic stay. They were included in my discharged bankruptcy XXXX yet continue to report and contact 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 2017-08-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I have done a dispute requesting validation and verification requesting my signature, i have not received a response from the creditor and nothing has been deleted from my credit file. It has been well over thirty days of my dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ditech Financial LLC
State: MO

Complaint narrative:
This is a new complaint but it follows my last one which was : XXXX. After my last complaint that the bank was foreclosing because I did not sign the appropriate papers. I am pleading with you for help. The following are my issues : 1. DITCH Foreclosed again! 
2. Although the bank did respond to you, I did not get anything from the bank until after the foreclosure on Monday, XX/XX/XXXX. 
3. The Atty General 's office of Missouri wrote a letter to the bank and asked the bank to postpone the foreclosure so I can reapply for loan modification. 
4. I reapplied and I also set in the original paperwork.
5.The bank sent an e- mail to the atty general 's office on XX/XX/XXXX that they are requesting a postponement and will get back to him. 
6. I called the bank onXX/XX/XXXX and asked if they got everything i sent in as far as the original papers and the loan modification papers. 
7. The bank told me on XX/XX/XXXX that they got my papers and everything is ok and I am being put back on the same mortgage payments as before. I asked them if I will get that in writing and they said " sure '' in the near future. 
8. I am in Chapter XXXX and my attorney took the house out of the plan while I was in loam modification. I was paying my mortgage every month without any problem. My attorney told me that if I am having a problem with the bank and the foreclosure he can put my house back on and I will be protected from foreclosure. 
9. He did n't do it bec the atty general 's office told me that everything seemed like ok and it looks like its being postponed and if they hear anything they 'll let me know. 
10. And the bank told me I was ok and no foreclosure. SO my atty did not file to put the house in my bankruptcy which would have protected me if I knew they made a decision. 
11. I also was n't able to go to the auction which i understood i could have bec i did n't know it was still on. 
12. The Bank did n't tell me or the atty general 's office what they decided until after they sold my house and THAT IS NOT RIGHT! I could have taken care of things. AND the bank told me they are not doing it. 

PLEASE HELP ME!

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 2017-08-29 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: EVERBANK, NATIONAL ASSOCIATION
State: OR

Complaint narrative:
Hi, I contacted Everbank to have my CD from XXXX XXXX to be transfered to their bank ( EverBank ). 

My CD came to maturity on XX/XX/XXXX. All the forms required by Ever Bank was done and sent to the bank .I was in contact with XXXX XXXX at Ever bank that assure me that all forms had been sent to XXXX XXXX on XX/XX/XXXX Ever Bank CD rate at 1.75 % Today XX/XX/XXXX I received a notice from XXXX XXXX telling me they had renewed my CD at 1.26 % for 2 years. I was in a state of shock. 

I called Ever Bank and talk with XXXX that assure me again she had sent all my papers to XXXX XXXX, and that the XXXX bank had not responded to them yet, so I told her about my notice from XXXX XXXX, and that they had renewed my CD. She then proceeded to tell me that I should have contacted XXXX XXXX to see if they had send my money to their bank. So I asked her why she did not follow up on this, since she was doing the transaction and that my CD came to maturity on XX/XX/XXXX. She told me she did not know about my maturity date, I told her I had done business with many banks in the past and that transaction is usually between the the banks, and if I was supposed to check on that transaction she should I have told me. 

I called the complaints service at Ever Bank and told them my story. They told me they had sent my transfer forms for my money at XXXX XXXX at my address. I asked them why sending it to me, and beside that I never received them. If I had received those transfered forms by mistake I would have called them and send it back to the Bank. 

Is there anything that can be done.??? without loosing money, since XXXX renewed my CD. 

thanks XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge 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: AMERICAN EXPRESS COMPANY
State: AL

Complaint narrative:
I have filled out a complaint with American Express for a charge made that I never received. I submitted the dispute on XX/XX/XXXX and the customer service agent from Amex said that contacted the merchant the day I made the dispute. It has been over 20 days and absolutley no progress has been made. I have submitted the documents they asked for and everything. Amex says on their own website that the merchant has 20 days to respond. It has been over 24 days and STILL they have not issued a chargeback. 

I have complained to Amex customer service, managers on the phone and NONE of them have even looked at anything I sent. The last person I spoke to said she was just now seeing the documents and the dispute itself. Then when I brought up the issue of it being over 20 days with no response from the merchant ... .she claimed they just contacted the merchant a day earlier ... .THREE WEEKS AFTER I MADE THE DISPUTE. This is contrary to what every other customer service agent stated. 

I also received a letter from Amex that said I had until XX/XX/XXXX to write a letter explaining my dispute. The letter was datedXX/XX/XXXX but only arrived at my house onXX/XX/XXXX ... .three weeks after it was supposedley mailed. I see no reason to have to mail anything when I have been on the phone for the better part of two weeks explaining and repeating myself to whoever I speak to from Amex. I have provided the documentation, XXXX is not responding to anyone, and I have to have close to {$10000.00} sitting idle for two months? This is extremely unprofessional.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-29 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: CA

Complaint narrative:
For the past XXXX years my identity has been repeatedly used for fraudulent activities. This has been a long and stressful process trying to not only clean up my credit but also keep it safe from thieves.

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 2017-08-29 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Receivables Performance Management, LLC
State: TN

Complaint narrative:
I have been paying on my debt every 2 weeks of XXXX $ or XXXX $ month until paid in full. The debt is XXXX $ total. I spoke to them last week if they showed receiving my payments and they confirmed. They are very rude, hung up on me and call 3-4 times EVERY DAY.

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 2017-08-29 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: BB&T CORPORATION
State: OH

Complaint narrative:
I closed on my Mortgage in XX/XX/XXXX. When i closed I received an initial escrow disclosure and calculation showing the the distributions from my Escrow account would occur in the month they are due ( XX/XX/XXXX and XX/XX/XXXXfor taxes ; XX/XX/XXXX for hazard insurance ).
BB & T purchased my loan in XX/XX/XXXX and changed the accounting method used by my old services without sending me an updated account statement within 60 days of the date of transfer as required by 12 CFR 1024.17 ( e ).
Additional, the accounting method used by BB & T is in violation of 1024.17 ( c ).
When BB & T sent the annual account escrow, the company 's listed XX/XX/XXXX and XX/XX/XXXXas the distribution date of Ohio  taxes and XX/XX/XXXX as the date of distribution date of my hazard insurance. All three of these obligations are due in later months and were not paid until by BB & T until later ( Public records show BB & T paid my property insurance in XX/XX/XXXX and XX/XX/XXXX ; my insurance company received its Hazard insurance payment in XX/XX/XXXX ). 

This accounting by BB & T attempts to create a Cushion that is in excess of 1/6th of the 12 month total to ensure that they can make disbursements when they see fit. Rather than when due thus never having to use the cushion as it was designed to make " disbursements [ that are ] made before the borrower 's payments are available in the account. ''

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 2017-08-29 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: AES/PHEAA
State: NY

Complaint narrative:
I am totally and permanently XXXX due to an auto accident, hit and run. I receive XXXX XXXX XXXX. American Education Services ( servicer of my school loan ) And XXXX XXXX XXXX XXXX XXXX ( holder ) refuse to do ANYTHING to discharge, forgive or even lower MY debt. They actually increased the interest rate. XXXX, a different servicer forgave my private loan in XX/XX/XXXX. The US Dept of Education forgave all of my federal loans in XX/XX/XXXX and XX/XX/XXXX. 
I have attached documents : Physicians Certification Social Security Award Letter US Dept Ed cancellation of Debt XXXX Notification Waived Loan XXXX XXXX Acknowledgement

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-29 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: WV

Complaint narrative:
Got the loan through XXXX another company bought it out BAYVIEW bought the loan they call 5 times a day my mom is XXXX year 's old the said the would work with her the took out two payments when XXXX was on the loan, that was illegal.Overdrew her checking account she could not pay her bills and was overdraw {$300.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
Experian is reporting an incorrect address as XXXX XXXX XXXX XXXX XXXX ct XXXX. I 've never lived there and never had anything associated with that address. I want it removed immediately

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 2017-08-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC
State: CA

Complaint narrative:
Nationstar/XXXX XXXX found they made a mistake, but only credit me XXXX out of XXXX. Why did they only credit me XXXX? Why does it state on their resolution letter my modification was completed on XX/XX/XXXX when it was completed in XX/XX/XXXX? Their history of payments are too hard to understand, I have called XXXX XXXX multiple times and she has not returned my call. 

This is not the same issue. I 've already been proven right, Nationstar made a error in accounting and has now provided me a credit. This complaint is to clarify why the amount credited is so low. They should not have charged me any late fees or any bank fee 's ... I have not been late since the modification was singed in XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Quality Recovery Services, Inc.
State: GA

Complaint narrative:
All of the following phone and address are incorrect. I have a son with same and when he uses my address they attempt to associate his phone numbers with me. Please removed the addresses listed below. I have updated my licensee to say XXXX, to avoid further mix-ups. 
XXXX XXXX XXXX XXXX, XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX, GA XXXX XX/XX/XXXX Telephone Numbers Reported : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation