vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-11-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
XXXX XXXX transferred my loan to XXXX the loan was current with XXXX. When the loan was transferred XXXX had put in the XX/XX/XXXX and XX/XX/XXXXpayment owing as fees owed to XXXX XXXX which was made to XXXX in XX/XX/XXXXand XX/XX/XXXX my monthly payment. XXXX is showing more moneys owed which is not correct I should only have a XX/XX/XXXXpayment owed of XXXX. XXXX  is showing XXXX which is incorrect. XXXX XXXX account number is XXXX phone number XXXX. XXXX XXXX loan number is XXXX, Citi Morgage tranferred foreclosure fees and attorney fees which were collected in the chapter XXXX with the trustee. Citi Morgage account number is XXXX number is XXXX. The amount of XXXX of attorney fees and forecloser fees were paid from the trustee.

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 2017-11-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: U.S. BANCORP
State: TX

Complaint narrative:
XX/XX/XXXX informed my house note would increase i needed to paid XXXX toward my escrow.was not able to pay. XX/XX/XXXX I was notified that house noted would increase at time XXXX.XX/XX/XXXX XXXX I called US Bank and told them i would not be able to make those payments. XX/XX/XXXX I did pay XXXX and fell back on other bills in. In XX/XX/XXXX i was notified that Social Security was auditing my income would to change. US Bank and XXXX XXXX  company my loan application funds stating i made more money then i did and if i defaulted in the loan they would go after the Veteran affairs where I retired from, and at that time my income was workerscompensation and Social Security. and they want to keep it quiet by selling the house from under me. yes i need housing but not to live on a strict budget.I hired a mortgage company hoping not to be a victim. Because I am a victim of US BANK. My house was not built like the floor plan i had a XXXX Loan at the end of my loan i found it difficult to refinance. my house was priced to high. products used in my house were rejects. Social Security decreased from XXXX to XXXX until debt paid off. I am six months behind on note I am not a squatter. increased escrow due to taxes I was told this was my mortgage would not increase another lie. taxes went up so needed to increased mortgage.i do understand but on my part i called in XX/XX/XXXX trying to tell US Bank I was not going to be able to make payment.

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 2017-11-28 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I obtained a personal loan through XXXX XXXX - XXXX XXXX XXXX XXXX, for a XXXX procedure. The initial XXXX  caused XXXX XXXX issues, and I have had to move to a specialist to fix the damage. The initial XXXX, XXXX, returned the money to XXXX XXXX on XX/XX/XXXX, 2017. As you can see from the attached Documentation, XXXX XXXX XXXX XXXX XXXX XXXX, received the money at the end of XX/XX/XXXX. I  waited to be reimbursed for two months. After two months time I contacted XXXX to inquire where my money was : XX/XX/XXXX - spoke w/XXXX & supervisor to have my refund deposited directly to my bank account by giving them my banks routing number and my individual account number. Given confirmation # XXXX ( which really turned out to be XXXX employee I.D . ). I was told it would be done by electronic transfer, which could take 714 days to complete. 
XX/XX/XXXX- Spoke to XXXX & supervisor XXXX. Asked if any progress had been made in directly depositing my refund to my bank account. I was told it wouldnt be more than another 7 days. 
XXXX - Spoke to XXXX XXXX. Told her that I had neither received the refund amount directly to my bank account, nor had I received a refund check. I indicated to her if the refund was not posted to my bank account by the end of business day yesterday, I would be forced to file a complaint. The money was never deposited. I paid almost 24 % interest on this loan. Is XXXX going to reimburse me 24 % for the additional two months they have held my funds?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-11-28 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: MA

Complaint narrative:
Navient Account # XXXX Starting in XX/XX/XXXX, I had set up an interest only payment plan for 6 months with Navient. Their program allows you to switch from full payment, to interest only payments for up to 6 months. 

I have always paid my Navient loans on time, and have never missed a payment. 

Since switching to the interest only payments, Navient has consistently messed up on the allocation of funds. Even though they are the ones that established the monthly amount of {$570.00}, every month once payment is applied they tell me I underpaid. 

That means that every month I 've been on this program, I 've had to call in after payment was made, and have them put me on hold for 30 minutes just so they can fix the account. Each time they tell me that the problem has been resolved and it wo n't happen again, but it does. 

Now they are sending me e-mails and letters saying that I 'm past due again ( for XX/XX/XXXX ). 

They also changed the amount I needed to pay during the interest only period due to their calculation error. 

The whole process has been horribly handled, but since it 's the largest provider in the US, they  do n't seem to care at all about my situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I have been charged overdraft or returned item fess when the balance is low, even though money comes in the next business day, often before the check or transaction clears. 

XX/XX/XXXX {$35.00} XX/XX/XXXX {$35.00} XX/XX/XXXX {$35.00} XX/XX/XXXX {$35.00}

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 2017-11-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: OK

Complaint narrative:
I have recently received three letters informing me that my personal information and credit card accounts have been subject to data compromise. The letters included information on how to perform a freeze on my credit accounts. When contacting these companies and requesting a freeze, one waived the fee while the others told me that because of which state I live in, they are required by law to charge a fee for the freeze. I do n't understand how one company can waive the fee with no problem while the others are " bound by your state law ''. Again, I have done nothing to cause this problem. I was notified by several of the businesses I hold accounts with that I should take action. It seems that these credit reporting agencies have a monopoly on my personal information and I have no control unless I am willing to pay an extortion for them to act on my behalf. Is this legal?

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 2017-11-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
Experian, your company is violating my rights. This debt XXXX is past the statute, I have requested many times validation and NOTHING is ever sent. How is your company validating this? 

XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: WELLS FARGO & COMPANY
State: DE

Complaint narrative:
The information that is reporting on my credit report regarding this loan is grossly inaccurate. I have attempted several times, in vain, to contact the company to have this information verified and if not, removed. Yet they continued to update the same information including inaccurate balances, false notifications of debit, and incorrect dates. Wells Fargo was not even the original creditor of this loan and it appears they have the date they took over the loan listed and not the actual date. Hence so much confusion regarding the validation of the debit, balance, and payments. Once the vehicle was repossessed it was then sold and I was supposed to be notified of any balance which they never did. But moreso this was over 8 years ago and its still on my credit report and they refuse to remove it or provide validation of the debt they continue to say its valid without providing proof as the law demands. 

Since none of this has not been done I am asking the CFPB to investigate their deceptive business practices. This debt has remained on my credit report despite the numerous disputes far past the allotted timeframes. 

Sincerely XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-28 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: RentDebt Automated Collections, LLC
State: TX

Complaint narrative:
After pulling all 3 of my credit reports, I 've notice a collection debt from RENTDEBT AUTOMATED COL SO CALLED ACCT. # XXXX, ( THE XXXX ARE INVALID MY CREDIT REPORTING STANDARDS ALONE ) ,XXXX XXXX XXXX XXXX, TN XXXX, ( XXXX ) XXXX pertaining an invalid account number and amount that is not mine, I do not have a contract with them and do not owe this company. This falls under inaccurate/false reporting and must be DELETED FROM ALL 3 CREDIT BUREAU 'S IMMEDIATELY and due to law passed effective XXXX XXXX, 2017 no judgments are to be reported on neither 3 credit bureau 's. This is illegal again I do not owe this debt that the RENTDEBT has reported and it is not mine. I request that RENTDEBT REMOVE IMMEDIATELY FROM ALL 3 CREDIT BUREAU 'S WHICH IS XXXX, XXXX AND XXXX. I 'M APPAULED THAT COLLECTION AGENCY CAN REPORT ANYTHING/AMOUNT ON YOUR CREDIT AND RESPOND TO THE CREDIT BUREAU 'S AFTER DISPUTE THAT IT IS ACCUARTE IMFORMATION, OWED AND UPDATE NO PAYMENT ON YOUR REPORTS!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-28 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: WAKEFIELD & ASSOCIATES, INC.
State: TN

Complaint narrative:
I was sued for a debt owed to XXXX XXXX XXXX XXXX. I went to court and was told to pay what I could afford monthly. I am on XXXX & was sending them $ XXXX/month, which they were deducting from my account each month. They repeatedly called me and left messages, I have XXXX XXXX which is increased with XXXX. On XX/XX/17, Wakefield & Associates levied an account of my sister 's which my name is XXXX also. They took ed every penny and took the account to a XXXX balance. I now have to pay my sister this money back, which I do n't have. My sister has helped me due to our financial situation and put my name on her account so I could borrow when needed and repay as I can. I called Wakefield & Associates and was told, yes, they did receive the $ XXXX/ monthly payments and was applying them to a debt owed to " XXXX XXXX Hospital ". I was not sending the money for this debt, I was sending it for the account I was sued for which is XXXX XXXX XXXX XXXX. They we very uncaring that I do n't know what I am going to do now because I have no money to pay my debts. I do n't think they should have been paying the payments towards a debt that it was not intended. They call me from early morning to night on most days. It 's sad that medical bills that are unavoidable sometimes can ruin a person 's life. Wakefield & Associates are unrelenting and uncompassionate. Thank you, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: DE

Complaint narrative:
The information that is reporting on my credit report regarding this loan is grossly inaccurate. I have attempted several times, in vain, to contact the company to have this information verified and if not, removed. Yet they continued to update the same information including inaccurate balances, false notifications of debit, and incorrect dates. XXXX XXXX was not even the original creditor of this loan and it appears they have the date they took over the loan listed and not the actual date. Hence so much confusion regarding the validation of the debit, balance, and payments. Once the vehicle was repossessed it was then sold and I was supposed to be notified of any balance which they never did. But moreso this was over 8 years ago and its still on my credit report and they refuse to remove it or provide validation of the debt they continue to say its valid without providing proof as the law demands. 

Since none of this has not been done I am asking the CFPB to investigate their deceptive business practices. This debt has remained on my credit report despite the numerous disputes far past the allotted timeframes. 

Sincerely XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-28 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: Western-Shamrock Corporation
State: TX

Complaint narrative:
I have a personal loan with XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX. Last month by the end of XX/XX/XXXX I spoke with the manager XXXX of this finance company because I was less than a week late on my payment. Due to am still making payment on my Mothers funeral home. My mom XXXX XXXX XX/XX/XXXX and I have n't finished making payments. I told the manager that due to personal issues I wanted to pay a payment arrangement the amount that I owe is around {$800.00}. and my payment is about {$98.00}. I said and I send them a letter stating that I will be sending payments every two weeks of {$24.00}. I was told that they were going to visit me at work, home and harassed my personal references and treat to send me to Court and Collections. I told them that if they could n't accept my payments and the only option was to send me to collections, well to go ahead and do so but then she retracted on what she said. Yesterday I got a visit to my house XX/XX/XXXX and they wanted to collect {$5.00}. cause I told them I had just send them a money order by mail. I started sending payments in money order since XX/XX/XXXX and I have given 3 payments so far but they are not accepting them. I already told them to stop going to my house but I am afraid they would n't stop, please help ... I am not hiding from my payment and I do n't want to be irresponsible

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-28 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Comerica
State: IN

Complaint narrative:
XXXX XXXX BY COAMERICA BANK ACCEPTED XXXX EVERY MONTH ON THE XXXX, IN XX/XX/XXXX-XX/XX/XXXX WAS VIOLATED BY THEFT AND ID THEFT ON THIS ACCOUNT.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: HUNTINGTON NATIONAL BANK, THE
State: NJ

Complaint narrative:
ON XXXX XXXX, 2017 HARD INQUIRY ON CREDIT REPORT THAT I DID NOT AUTHORIZE, PLEASE REMOVE

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP
State: OH

Complaint narrative:
Us banks actions were never addressed. The company failed to answer my concerns about tax payments that were not due. Us bank continues to disregard the information submitted by Us banks tax processor ; XXXX XXXX XX/XX/XXXX. The last document sent by Us bank states the document from XXXX XXXX has been purged from their systems. My question remains unanswered ; Us bank molested my accounts to recover funds that were not due. Now the banks claims this document from XXXX XXXX has been purged from their files. I have supplied the bank with a copy of this document several times over the past 3.5 years. The response us bank sent ; does not address their actions on XX/XX/XXXX when funds were paid to the county. These funds include us bank payments for taxes that us bank has no lien against. 
This issue has been discussed by phone, us mail, e mail since XX/XX/XXXX. Still waiting for an answer.

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 2017-11-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: JPMORGAN CHASE & CO.
State: MO

Complaint narrative:
For my Chase XXXX XXXX credit card, I notified them of my name change from marriage immediately, as it is a legal name change and I no longer go by my previous name at all. I received an email asking me to fill out a form that Chase was going to mail to me to update my name. I then sent and attached an email with my new driver 's license and social security card to them. I asked for them to immediately update my name and explained the name I wanted it updated to. I explained it was a legal name change, and my name was no longer the same, so this definitely needed to be updated ASAP. They confirmed receipt of the email with the attached files. They continued to ask me to fill out a form they were mailing, and six separate representatives confirmed that after the form was received with my new name information on it, because I already sent in the proper files, my name would be updated. I escalated to management because I felt that I had sent in sufficient information for my name to be updated without the mailed form, however, everyone refused to update my name. All customer service was foreign and kept repeating the exact same information. I received the form, filled out my name as the instructions stated, and sent it back. What I expected was for my name to be updated, but it was not. Instead, I received yet another letter stating that I needed to send in documentation with yet another form to update my name. I called in to customer service and spoke with a representative, and supposedly a manager. Once again, I was given the run around and told that they had no information showing my name change documentation, even though, as I stated previously, I spoke with six people that guaranteed my name would be updated as soon as they received the mailed form with my information. As all of this took over two months, I decided to close my account. I feel that I should not have had to do this, however, after receiving months of run around and incorrect information from people who just kept repeating theirselves, I felt like this would never get resolved. I really feel like Chase is employing people who do not really know what they are doing, they can not make outside the box decisions, or look up information in order to help a customer. They are employing incredibly outdated tactics from the 1980s in updating information on accounts ( requiring mailed letters, etc. ) and there is no good customer service at Chase. I have at least fifteen other credit cards, and I had no issue with any of them except Chase.

Company response to consumer: Closed with non-monetary relief