vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-03-20 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
So here is the story. In XX/XX/XXXX, not long before XXXX, I visited my favourite watch store, XXXX XXXX at XXXX XXXX and XXXX XXXX in New York. The sales person convinced me to put the XXXX watch I wanted on their store credit card, which is a TD bank card. The sales rep emphasized not having to pay interest for 24 months and misinformed me that if for some reason I can not pay off the full balance by the time the promotional period ends - which was XX/XX/XXXX - I will only have to pay interest on the remaining balance on the account, which is obviously not true. I thought I had about {$1500.00} balance left on the card and when I went online to make my payment, I saw that my balance was now almost {$3500.00}. I immediately called them up and they told me that the extra {$2000.00} was the added interest that accrued during the 24 months since I did not pay off my card by XX/XX/XXXX. I tried to make a deal with them and said I am willing to pay {$2000.00} at the time of the phone call and close the card and be done with it but they said no.

On Friday, XX/XX/XXXX at XXXX XXXX my wife called the phone number XXXX listed on the back of XXXX 's XXXX credit card. she was connected with a representative by the name of XXXX, to whom she explained the situation. She asked her to have the interest removed or reversed. The rep said she was not authorized to do so, so she asked her to connect her with her manager. After a little while, a male manager by the name of XXXX or XXXX came on the line and she explained the situation to him as well. He was very apologetic about the situation and he told her that she needed to put everything in writing and fax or mail the letter to the Department of Complaint. He advised her to make sure that she put down that I was given false information in regards to how the interest was being calculated. He also added that based on my payment history - I was never late with any of my payments and there were times when I doubled or tripled the amount I paid -only when I lost y job, I started to pay lesser amounts, but always paid at least the minimum due - the manager believed that based on my history and my current financial situation, the Department of Complaint should do something to ease the pain and reverse the charges. So my wife wrote a letter and faxed it to the Complaint Department on the same day, XX/XX/XXXX at XXXX XXXX. She was hopeful that it worked. However, yesterday, I received the letter declining our request. 

I have attached the following documents for your reference : 1. First correspondence the Request Letter to remove interest faxed to the Department of Complaint on XX/XX/XXXX & confirmation pages of fax sent.

2. Denial Letter received yesterday in the mail.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-03-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BBVA FINANCIAL CORPORATION
State: NJ

Complaint narrative:
On XX/XX/XXXX, I applied online for a BBVA checking account under a {$200.00} cash bonus promotion that required the account be opened between XX/XX/XXXX and XX/XX/XXXX. Although BBVA did not open the account until XX/XX/XXXX, the bank told me I should be eligible for the promotion as I had applied during the promotional period. The promotion called for the {$200.00} bonus to be received within 60 days after the posting of a direct deposit of at least {$300.00} within 60 days of account opening. I satisfied the direct deposit requirement onXX/XX/XXXX. I have yet to see the bonus deposited to my account. I have reached out to the bank via secure e-mail and by phone to no avail.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-03-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I contacted Equifax and XXXX via certified mail which was accepted XX/XX/XXXX and XX/XX/XXXX concerning an unverified bankruptcy which was removed from XXXX who is the reporting bureau that Equifax and XXXX both verify their public records data with. Somehow, Equifax and XXXX claim that the bankruptcy information is valid based on the data provided by XXXX who provided me with a letter verifying them removing the bankruptcy data from my records. Unfortunately both Equifax and XXXX have a reputation of not doing the follow up work to either verify or dismiss information on peoples conumer reports which I believe has happened in this case. 
I also contacted XXXX on XX/XX/XXXX and spoke to XXXX, ID # XXXX to verify whether there were any inquiries submitted by Equifax and XXXX within the last 3 months to which XXXX was unable to find any record of these companies doing so.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-20 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
I am currently in school working on my XXXX. I received a call back in mid-XX/XX/XXXX from my private student loan provider, Navient, stating that I would need to start paying on my student loans at the beginning of XX/XX/XXXX. I informed them that I was currently enrolled full-time in school and they said that I no longer qualified for in-school forbearance because my loans dated back 48 months. This came as a complete surprise to me because I was never informed that my in-school forbearance only lasted 48 months. Furthermore, I didn't remember signing anything stating this. I then asked Navient to send me a copy of all of the promissory notes that I signed for each loan. When I received the promissory notes a few weeks later, I read through each one of them and nowhere does it state that in-school forbearance ends after 48 months. In the meantime, I did some investigating online and found that other people have had similar issues with Navient. So, after I received a bill for {$430.00}, I called Navient on XX/XX/XXXX to talk about the issue. The person on the phone told me the same thing as before, that my loans were due because that had reached the 48-month time-frame. I then told them that I had gone through the promissory notes and that nowhere did it state that. The gentleman then told me that they had the right to add/change things and that my promissory notes where obviously missing the part about the 48 months. He told me to look at section 'E ' and his section 'E ' was different from mine. The promissory notes that I have came directly from Navient, all of my personal information is listed as well as all of their clauses and terms except for this supposed 'no in-school forbearance after 48 months '. I don't see how ethically or legally a company can add to a contract years after it was agreed to and signed. When I have been out of school, I have never missed a payment and many months I paid extra. I decided to go back to school later in life to better myself. I make {$22000.00} a year which after taxes, barely covers my bills. Navient never offered me any other options to resolve the situation other than pay the {$430.00}. Furthermore, they are trying to change the terms of our agreement after the fact. The bill is due on XX/XX/XXXX and I would like to resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Because of lost income, I notified my credit card providers in XX/XX/XXXX that I was no longer able to make monthly minimum payments and asked them to reduce the amount due until I can get back on my feet. One of them, XXXX XXXX, immediately worked out with me a plan to reduce the amount and lower the interest rate in the interim. 

But Citi XXXX MasterCard declined to working out a plan with me. I told the bank that all I would be able to pay via online payments is {$100.00} a month in order to keep the account open which I have been doing. 

But, not only am I accruing monthly fees by the bank 's refusal to work out a plan with me as XXXX did but I am receiving on a daily basis anywhere from 4 to 6 robo annoying calls which is a total violation of my rights. 

I want Citibank to work with me during this personal financial crisis and stop harassing me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: FL

Complaint narrative:
Loan # XXXX complaint against Carrington Mortgage services Subject- I do made a paying regularly. In 8 years never late but mortgage company didn't post my payment. 

Hello. 
I brought home in XXXX, since then made the payment on time. I use to made payment to chase mortgages at XXXX, but XXXX sold my account to carrington mortgages, Since XXXX. XX/XX/XXXX I am making payment to carrington mortgages. Payment made by EFT first week of every month. I was shocked when find out my payment not post and but my account 1 month behind. I spoke many time to carrington services and told them there was payment made every month, After all going thru this I made another {$700.00} payment to carrington, in XX/XX/XXXXI made 13 payment.

In XX/XX/XXXX I made

3 payment but carrington online account showing only 1 payment. My monthly payment is {$500.00} because removed house tax removed from my mortgage account. 1 -My complaint is carrington should refund my
{$700.00} from XX/XX/XXXX because I made 13 payment.

2- In XX/XX/XXXX carrington should post my 2 payments because it is paid each payment was {$500.00}. 

Please call me if there is any question. I have receipts. 

thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP
State: IL

Complaint narrative:
US BANK has been overcharging me on my home owner 's insurance coverage since XX/XX/XXXX for the amount of {$32.00} a month every month. This charge is billed as " overage/Shortage ''. 

This charge is billed in addition to my monthly Home owner 's insurance in amount of {$32.00}. 

My monthly insurance premium for previous year XX/XX/XXXX to XX/XX/XXXX was {$27.00}. My 12 month premium was {$320.00}. US bank mailed me a letter saying XXXX XXXX is not enough so I contacted XXXX XXXX & increased the coverage. My 12 month premium during the renewal increased to {$390.00} and I should be paying only {$32.00} a month for 12 month. But US bank has been charging me {$32.00} extra every month since XX/XX/XXXX as " Overage Shortage ''. 

I am already paying the increased rate of {$32.00} from {$27.00} so I should NOT charged extra {$32.00}. I have contacted XXXX XXXX, the insurance company and they told me they were NOT paid any more by US bank then what I have been paying US bank. I have called and spoken to US bank agents and supervisors but they have not been helpful in resolving the overcharge issue.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: TX

Complaint narrative:
Have reached out to my servicer on numerous occasions to have our property taxes paid. Our house sits in a dual county area and requires taxes to be paid to 2 different assessors. We have our taxes set up to be escrowed and the correct amount is being taken to pay the entire amount. Our taxes are now 4 months past due and have added an additional $ 400+ in late fees as well. We have called multiple times since XX/XX/XXXX and this issue has yet to be rectified.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
signature does not match borrowers signature on originial mortgage. i received paperwork that i requested from wells fargo who took over world savings bank loans. my XXXX year old deceased mother was taken advantage of by world savings bank back in XX/XX/XXXX. XXXX XXXX borrower have been arguing back in forth writing letters and i have a response from wells fargo where they responded to her letter dated XX/XX/XXXX. this mortgage is fruadlent. im encolsing proof of signatures and loan documents that i received from wells fargo. please read documents ive provided with this complaint. property address is XXXX XXXX XXXX XXXX XXXX illinois XXXX. IM THE OWNER OF THE PROPERTY LISTED ABOVE. IM TRYING TO MAKE SURE THAT SHE OWES THIS MONEY BEFORE I DO ANY LOAN MODIFICATIONS WITH COMPANY. IM QUESTIONING SIGNATURE ON LOAN DOCUMENTS AND CURRENT AND OLD ID WHO SIGNED MY MOTHERS SIGNATURE. WELLS FARGO SET A SELL DATE ON THE PROPERTY WITHOUT NOTIFYING ME. IM JUST NOT FINDING OUT. MY CONCERN IS TO SEE WHO SIGNED HER NAME. I NEVER APPEARED TO COURT TO OR GOT ANY COURT PAPERS ABOUT FORECLOSOURE OR SELL DATE. ORIGINIAL LOAN WAS GENERATED BACK IN XX/XX/XXXX FOR XXXX MY MOTHER WAS NOT WORKING AT THE TIME WHO WILL GIVE A ELDERLY WOMAN A LOAN WITH RETIREMENT BENEFITS.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-20 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: MN

Complaint narrative:
I have been a member in good standing with the XXXX XXXX XXXX XXXX XXXX and have never had a late payment on any of my loans, or credit card payments. Then in XXXX, XXXX, XXXX, and XXXX of 2017 I was 30 days late on my credit card payment. The reason for that is because I was not receiving electronic payment messages. So I missed these payments. I have since had the credit union send me paper/US Mail notifications when a payment is due. So because of not receiving the electronic payment messages I now have a negative entry on the Credit Bureau Reports. I have never had bad credit before and I am looking to but a retirement home and can't do that currently because of this Credit Mark on my credit reports. I have tried working with the Credit Union on this issue and they tell me they can't do anything about it.

I have also had Experian look into this matter and they say the Credit Union said this is not their fault, even though I did not receive electronic messages regarding due payments. 

Is there anything you can do to get this mark on my Credit Reports removed so I can move forward again with preparing for my retirement? 

Thanks for your assistance in this critical matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: TX

Complaint narrative:
In XX/XX/XXXX I asked that the company remove the PMI from my mortgage and the company sent a realtor over to evaluate the value of my home ... Both she and I agreed that the value has increased ... The company sent me a letter stating that I was at an LTV of XXXX value .... I called the company on 3 separate occasions to dispute the LTV an no one at the company will tell me what the estimated value is ... I had a realtor do a comparative market analysis on me home which came to XXXX ... .. I bought the home in XX/XX/XXXX for XXXX .... I now owe XXXX and the company is giving me the run around about removing my PMI ... .According to my loan terms ... the PMI is suppose to fall off at 75 % LTV .... By using simple 6th grade math anyone can see I'm at 80 % and the still won't remove the PMI .... Help please ... I hate crooks!!!!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-20 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Hello, I am filing a serious complaint against the credit bureau for selling my personal information, lies, vulnerable to me, my good name, my family, my business, my future and my life These liars must be removed from the law! 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
Bank of America is guilty of unfair banking practices. This dates back to XX/XX/2012. In XX/XX/2012, I reached out to Bank of America for assistance with my ARM mortgage. I requested a refinance, however I received a short sale package at my door, this was not authorized or requested. My mortgage account is and has always been current. I did not qualify for hardship assistance as I was not having a hardship. However, in the very very difficult process of stopping the short sale process and making it clear I requested a refinance, I was told to just wait as I was included in a Department of Justice Settlement and would receive something in the mail. I was told this repeatedly as months would pass and I would call to check on the status. Over time I witnessed a few handfuls of BOA EMPLOYEES received these " DOJ Packages '' that I was told I would also receive. To date I have received NOTHING. In the mean time, I started reaching out to BOA for a refinance, every year. I have been told over and over, you are just under water we don't have options. I am the unfortunate homeowner that does not have a government loan and the home is still under water. I need help! I have an adjustable rate mortgage-the rate is going up, along with property taxes. I need the piece of mind that the payment will not increase any further and BOA just isn't offering me any options. I guess if I stopped paying which would ruin my credit, they would offer me help? I have questioned BOA as to why I never received this " settlement '' that they said I would, I asked to provide the notes regarding the DOJ conversations with me, I asked for documents from a previous complaint in which the DOJ Settlement was referred to and they will not produce anything. I have submitted my concerns through the XXXX and to BOA directly and receive NO response from them at all. I want answers and help coming up with a solution. Bank of America can help since they own my loan

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I overpaid XXXX XXXX XXXX {$4500.00} by making duplicate payments on my credit card balance in XX/XX/XXXX and I'm having difficulty getting my money back from them. On XX/XX/XXXX, per my statements, Capital One supposedly issued me a credit balance refund in the above amount. I was very patient but after never receiving the check several weeks later, I called customer service. They reviewed my account and confirmed the check had not been cashed. They told me another check would be issued and mailed to me at my confirmed mailing address. I waited 2 more weeks and called back on XX/XX/XXXX. I was told it took them 15 working days (!!! ) to send me the reissued check. When I pressed them as to whether they had actually mailed it, I was told I should have it in my mail by Monday XX/XX/XXXX. It did not arrive and still has not arrived. Each time I call them it takes 30 minutes of my valuable time. I want to close my account and not do business with them, but I'm afraid to until I get my refund..

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-03-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN

Complaint narrative:
As part of the settlement, BOA agrees to pay {$12000.00} moving costs. I have asked repeatedly to have this money forwarded to us. Once again in their response they have mentioned that they offered to pay the {$12000.00}. I am asking that you intercede an collect the {$12000.00} as part of their offer to sell the property. The property will be moved before the end of the month and the funds are needed to complete this.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: CA

Complaint narrative:
On XX/XX/XXXX and XX/XX/XXXX I had sent a money transfer online through money gram. On XX/XX/XXXX I had cancelled the transactions because my daughter was not able to pick them up. I called money gram and they had advised me that the reason why my daughter couldn't pick up the money was because money gram doesn't accept prepaid debit cards. So at that time I was told to wait 3-10 business days for a refund. Well that time had come and gone and I called them back and they had told me that the refund date had passed and that it would have to go to the escalation department. At that time they told me to wait two business days and the money would be returned. Well I waited 3 business days and called back and they said that it was still in process and I would have to call back in another 2 business days. I have been calling everyday with the same result. Nothing is being done about my refund. I asked to speak to a supervisor and I then was asked " even if you're not going to get your money back today ''? I was super upset and still no supervisor or refund.

Company response to consumer: Closed with explanation