vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-07-25 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
After filing a formal comlaint with your organization concerning following banks for runing a Hard Inquiy on my credit report, ( 1 ). XXXX, ( 2 ) CitiBank NA, XXXX have failed to ensure permiissible responsibility/ purpose in accord ance with the Fair Credit Reporting Act. Moreover, these antity has failed to provide me with authentic data that I granted the permissions.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-11-14 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Lending Club Corp
State: TX

Complaint narrative:
I took a loan from Springstone Financial now Lending Club in XX/XX/XXXX through dental office " XXXX '' in the amount of {$24000.00} for dental implants. When I signed up for the loan I was told that it is interest free for 24 months and after that the interest will kick in on the amount remaining in the account. In XX/XX/XXXX, I was charged {$6400.00} in my account. I contacted Lending Club and asked about these charges and that 's when they explained to me that these are deferred interest charges from the 24 months of their promotional plan that just expired that month. I had {$3300.00} remaining from the original {$24000.00} loan. I immediately paid this amount. I also disputed the interest charges ( {$6400.00} ) and asked to close my account. I was told that I will not be able to close my account until the disputed amount is resolved. I was also told that I do n't need to make monthly payments on this disputed amount until it is resolved. Since then, I am being charged every month finance charges ( {$160.00} for XXXX and {$190.00} for XXXX ) on amount that I 'm disputing and on the account that I ca n't close. These are very high charges that are unfair to me since I am in this financial position because the terms were not provided to me the day I signed up for this loan. I received a letter on XXXX from Lending Club rejecting my request to dispute these charges explaining to me that these are " valid ''. And that the plan information was provided to me in my monthly statement. The crucial information of " Deferred interest '' was never provided to me when I signed up for the plan for me to make a decision to take it or leave it. Also because I was not informed about this condition in the plan, I did n't not look for it in the monthly statement. I believe that I was tricked to sign up for a plan and was not made aware of its crucial condition and wo n't be able to withdraw from it if I saw it after the fact because of my dental needs at the time. 
Quick search in the internet, I found that Springstone Financial ( now Lending Club or XXXX ) has lawsuits and CFPB Actions regarding the " Deferred interest promotional plan '' that I apparently was signed up for without my knowledge because of deceitful means used to promote this plan. In the CFPB action that I am attaching here with my complaint, Springsone was ordered to refund {$700000.00} in consumer relief to 3200 consumers as a result of the deceptive marketing and enrolment practices in its dental-service provider network. Springstone was also ordered by CFPB to reimburse and notify consumers affected by these practices. I am a consumer that is affected by this program and I am finding Lending Club action to pursuit me with these charges after CFPB took actions against them unfair and unreasonable.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-02-10 00:00:00
Product: Bank account or service — Savings account
Issue: Deposits and withdrawals — 
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
I filed a complaint with the CFB against Citi Bank regarding a {$300.00} bonus that Citi initially refused to pay, but was later honored. The day they credited my bonus ( XXXX/XXXX/17 ), I initiated a transfer to move the funds to XXXX Bank. The amount of my deposit plus the {$300.00} bonus was {$10000.00}. I transferred the funds. I logged into Citi on XXXX/XXXX/17 and noticed the account was overdrawn by {$34.00} ( the exact amount of the fee ). I later discovered that Citi does not make pending credits available for withdrawal until posted. I do n't agree with this since the amount the amount displayed as available for withdrawal was {$10000.00}. I called Citi, and the credit the {$34.00} fee back. Now the account was at a XXXX so I requested to close it. They complied with my request. On XXXX/XXXX/17 I noticed the funds from XXXX were placed back into the Citi account. The original transfer never went through. I was charged another {$34.00} fee. They refuse to reverse the fee because the account is closed. I am also unable to access my money because the account is closed. They are penalizing me for the same transaction twice. They also tell me it 's likely I 'll receive a check in the mail for the balance of my account. They are very unhelpful.

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 2016-05-02 00:00:00
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: Rosebud Economic Development Corporation
State: LA

Complaint narrative:
ROSEBUD LENDING BHL, D.B.A.FIRST PAY LOANS XXXX XXXX XXXX S.D.XXXX is the company who continually Breaches Contract by taking extra money outside of contract. I have the proof by contact and bank statement to justify the difference. 3 months straight there has been a difference of XXXX from the agreed contract and when I call they tell me it is a computer error. They tell me within XXXX10 days the company would reimburse me the difference. That day never comes. My bank XXXX XXXX XXXX is aware of this problem as was informed to file this complaint with your Department. This is a blatant " Breach of Contract '' by deliberate " Fraud '' and are worried that they wo n't stop until I have been robbed a lot more.

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 2015-04-30 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: EXPERT GLOBAL SOLUTIONS, INC.
State: OH

Complaint narrative:
For the past XXXX plus I have been harassed for a debt that is not mine. They call and ask for a XXXX XXXX, or XXXX XXXX people I do not know. I have told each collector they have the wrong number and to not call again. Sometime this works sometimes not. The real issue is the dept gets sold to another collector and the phone calls start agai. The last person I talked to was NCO Financial Services XXXX XXXX XXXX XXXX XXXX XXXX. They finally stopped calling but a new collector started. In the past I also reported the XXXX XXXX XXXX XXXX. to the State Of XXXX Attorney General they resolved that complaint but calls continue from other collectors. There MUST be a way to stop these calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-09 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: EXPERT GLOBAL SOLUTIONS, INC.
State: TX

Complaint narrative:
Repeated and unwanted calls. False debt. Calls from XXXX numbers ( XXXX ) XXXX & ( XXXX ) XXXX. They are based in XXXX XXXX listed under EGS Group.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-15 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Problems when you are unable to pay — 
Company: FORD MOTOR CREDIT CO.
State: WI

Complaint narrative:
My XXXX XXXX XXXX is under lease with Ford Motor Credit Company ( FMCC ). The lease ended in XXXX XXXX, but I have been working on buying out the lease. FMCC has been calling me and leaving messages for an account resolution. This I get and understand because they 're trying to protect their property. 

I 've not answered FMCC 's calls or communicated with them because I was laid off from my employer in XXXX XXXX. I 've been in an extremely active job search, but I have n't received any offers yet from interviews. It 'd been my hope that I 'd secure a job prior to performing a lease buyout on the vehicle. 

My complaint is this : On XXXX/XXXX/XXXX FMCC contacted my sister and brother attempting to skip trace my information. This is perfectly within the company 's right to do so. My sister and brother both verified the information FMCC had on file was correct. What is outside of FMCC 's legal right to do so was to : 1 ) Advise my sister and brother my lease was past term. 
2 ) Advise that FMCC would take legal action. 

FMCC has no legal right to discuss, release or make known my private financial matters ... even to my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-06 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: ASSOCIATED BANC-CORP
State: WI

Complaint narrative:
XX/XX/XXXX, I was undergoing a traumatic divorce after which, I was left with a house and property that was in foreclosure and outstanding back property taxes. At that time, there was also a death in my family. I told the bank that had my mortgage, that I needed to live in my house and that I fully intended to keep it. I asked for a loan modification. It was a long process because each time I called my bank to get information or status on my modification, they often sent me to numerous departments or took days to call me back. My understanding was that a loan modification was something that banks offered to help alleviate stress and make one 's monthly payments more manageable. They offered only XXXX modification and if I wanted to stay in my house on my property, I was told I had to take their offer, so I signed it under duress. I obtained a quit claim deed from my county to remove my ex-husband from my mortgage. The bank refused to honor it. Further, they did not decrease the interest rate on my mortgage and I am paying interest at an astounding 7.25 %! It 's now XX/XX/XXXX and I 'm STILL having to meet these high monthly payments! Despite me making timely monthly payments ( I set up automatic monthly withdrawals ) at this ungodly rate, I have discovered that my credit rating shows that this bank reported I was behind on my payments since the modification! 
I do not want to refinance with this bank and have sought other banks. However, another bank advised me that I should file a complaint against my bank because when the new institution tried to get information, my mortgage company gave them the run around as well. I was told by other banks that the fees tacked on to my modification ( {$45000.00} due at the end of my loan ), was outrageous. When I asked my mortgage company for refinance information, they sent me a " Uniform Borrower 's Assistance Form '' -for foreclosure! It was as if they had no clue about my loan, that I am up to date with my payments and property taxes, and that I wanted to refinance!! There was also an unresolved question as to why my mortgage company did not use a federal loan and instead used their own in-house loan. Consequently, the bank that I want to refinance with, wo n't offer my refinance until there is resolution with my mortgage company. I DO NOT WANT TO REFINANCE WITH MY ORIGINAL MORTGAGE COMPANY. Another bank believed they could make my monthly payments at least {$500.00} cheaper, per month, than my original modification payments. Every month I am with my original mortgage company, I feel I am losing a minimum of {$500.00} per month. This is outrageous and my mortgage company continues to drag their feet, give me the run around, and give me questionable or incomplete answers. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-18 00:00:00
Product: Debt collection — Auto
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Financial Credit Service, Inc.
State: OR

Complaint narrative:
XXXX sold a XXXX year old debt to Asset Recover Associates, Inc in XXXX, IL. now they called me and say they want to collect. The first representative said a court order was already filed in XXXX XXXX under an attorney named XXXX XXXX and that I had missed my court hearing back in XXXX of XXXX. I told him they needed to serve me court papers, he said it was public notice and I do n't have to be served, then I asked him his name and he quickly transferred me to another person. The next person would not give me her name either. but she said this was not filed in court yet and I needed to pay them {$11000.00}. As soon as I told her this was almost XXXXyears old she hung up on me. I tried calling them back asking for an address for the company and the woman on the phone refused to give their business address. I pulled my credit report and they are on it that is how I was able to obtain their address and phone number. How can they have a right to be on my credit report? I resolved this issue back in XXXX, but that company still sold my information to another company. I went through the shooting at XXXX XXXX XXXX and my XXXX has slowly been settling down when this call comes in. Again I am not sleeping, I am afraid to go out doors. Thank you for this website.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-06 00:00:00
Product: Bank account or service — Cashing a check without an account
Issue: Problems caused by my funds being low — 
Company: ZIONS BANCORPORATION
State: CA

Complaint narrative:
Hi, I was Included into this, XXXX XXXX Zions First National Bank,, I, m Sorry to say, I NEVER HAD a Bank Account with Zions First National Bank Period, on the Legal Notice I Got in Mail from XXXX XXXX XXXX, there were Names of lists of Co, s that ACH Debit, s from peoples Banks, they Withdrew Money,, Well I Got Past, Cyber Crime on all my Emails, from My First Computer I Bought in our House only 1 in house Mine. when I used this Computer, I always Got these Return To Email Server,, Mailer, XXXX, or POST,, on a lot and Even Legal Documents that are about Organized Crime, I, m a Ex Explorer worked for XXXX, under EX Chief XXXX XXXX XXXX, when I was younger and Trained, etc got Hired, I had a lot of Emails pertaining to, Insider Trading Acts, Surveilance, Eavesdropping, By a XXXX XXXX, since my first computer I, ve been involved in, So Much Fraud Acts, from my Phone Calls and Costs, Mail Criminal Documents, Costs, Faxes Costs, and Time and Gas $ , I, m Very Sure Posative that these Telemarketers & Internet Marketers have been doing Crimes to me and Familly, from past till Now still going on, I Got all my Evidence by Phone Records, Mail Receipts, Cyber Emails from XXXX, XXXX, XXXX, XXXX XXXX Evidence from Most All these Companies that are listed on back of My Legal Notice, Now I have Stated to the U.S. Security Exchange Commission my Financial Losts and Health Issues on Crimes etc, just 3 Days ago, NONE Perjured, My Word is Honest, and XXXX,, Telling you what I think is going on I, m Not a lawyer, But My Thoughts are My Evidence and its Good, This Class Action settlement is From a Criminal Group that have, Racketeered for Profits on everything dealing with my Business and Moms Business and I, m Sorry to Say My Street is Involved full Home Owners and Names for Evidence at my Street, XXXX XXXX XXXX, XXXX XXXX, Ca XXXX,, Last I, m very sure that the People involved are More involved in Crime then there, Debits ACH Money Withdraws, on people in the Settlement, Ending I hope you can give me a Legal Documents from my Email info and your Details etc and Send me All Legal Info I Need to Add to my Cases Pending for Court,, plus I can have the US Securitys Exchange Commission talk to you about my Evidence and Whats Realy Going on Now Present etc, Thankyou, I, m sorry this is a Shock to your Case, I, m Hoping we can agree to the right Documents and the Right answers, To Help eachother and everybody Else, By, This Document is TRUTH, Not Perjurized,

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 2015-12-17 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: ZIONS BANCORPORATION
State: NV

Complaint narrative:
I closed my Nevada State Bank checking account, but still have a credit card with them. The NSB teller closed my online banking account at the same time without my knowledge. I 've been unable to receive credit card statements by email or mail. I called multiple times asking them to send me a bill, but they could not help me with my request. Why ca n't I get a bill mailed to me? How hard is that! As a result NSB has now charged me late a fee. Since I have NO bills of any kind, I do n't know what I 've paid in late charges. Please help me Thank you.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-05-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Nelnet, Inc.
State: TX

Complaint narrative:
I have XXXX student loans in TPD at NelNet under the 3yr monitoring period which XXXX began XX/XX/XXXX and other XXXX were XX/XX/XXXX so XX/XX/XXXX instead of discharging the XXXX XX/XX/XXXX I was notified that all XXXX were being reinstated so after a couple phone calls helmet put the loans back in monitoring discharging XXXX and leaving XXXX until XX/XX/XXXX. XX/XX/XXXX helmet reported my loans to the XXXX credit agencies but have made a huge error and refuse to fix their mistake. Basically my XXXX loans are reported to experience, XXXX as XXXX desperate loans and to XXXX as XXXX delegate loans with XXXX account # XXXX being being reports to all XXXX burueas 5 times with different amount that total {$14000.00} bringing my overall credit as being serious delinquency and dropping not only my rating but my wife 's as well from XXXX to XXXX. I have contacted helmet and have been told by them they have done no wrong but there is o excuses for this company to take XXXX loans and report them as XXXX loans then be informed of their error an ignore it. I have since filed disputes with all. XXXX credit burueas and will be going back and putting fraud reports with documention showing how wrong nelnet is and hope that I do not have to file bankruptcy because they refuse to properly do their job. Help make them do their job correctly nothing more nothing less. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-20 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PHH Mortgage Services Corporation
State: PA

Complaint narrative:
When I was trying to get my mortgage modified they told me that I '' would n't get a modification unless I was three months behind and that they could not except partial payments, but I continued with filling out the paperwork anyway. I was then told that I might want to stop making payments. I submitted the paperwork and they took 7 months to review it and denied me a modification.We were devastated, then I hired XXXX 's for {$3000.00} and a few months later we recieved our loan modification. What we did n't realize is that we would still be on the hook for the arrears, so it 's like we did n't pay anything for all the years prior to the modification. ( XXXX original loan amount, current balance is {$120000.00} plus the arrears of XXXX = {$140000.00} ) Our loan was originated on XX/XX/2007 with payments of {$1500.00} /month until we recieved the loan mod. Now they giving us monthly statements with the XXXX mortgage amount added to the modified amount which makes the monthly payment say more that it is. ( Please see attached ) I talked to a " XXXX '' and I asked the to put the to numbers separate and they refused to do so. This is concerning because it will make it impossible to get our PMI removed ( $ XXXX/month ), they could be charging interest on the the arrears, and it makes the monthly payment more. Please see what you can do they are NOT practicing fair business, it 's more like predatory lending. Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-11 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: PHH Mortgage Services Corporation
State: PA

Complaint narrative:
My financial hardship started in 2015. I contacted my mortgage company and they have been requesting for the same documents over and over again for the past year. It has been a nightmare and has caused my medical condition to get worse. I have provided my documents on a timely fashion and have yet to get a final response.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-31 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PHH Mortgage Services Corporation
State: FL

Complaint narrative:
I refinanced my mortgage on XX/XX/2016 with XXXX XXXX. My original mortgageholder was PHH Mortgage. Because my real estate taxes were due XX/XX/XXXX, both companies paid my taxes, PHH paid them through the escrow they held from my monthly payments. Because the check from XXXX XXXX was received first, XXXX County cashed their check and returned the payment made by PHH Mortgage. This was confirmed by XXXX XXXX County and also by PHH when I contacted PHH Mortgage about the return of my escrow. I was told I would have to wait until it was processed. That was two months ago. I have repeatedly tried to call PHH Mortgage about the return of my escrowed monies and I am unable to reach anyone. They have collected and held my tax money since last year, and while they tried to pay it XX/XX/XXXX, since it was returned to them, this money should now be returned to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-10 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: West One Capital Group Inc.
State: CA

Complaint narrative:
I did not know that there would be an " Early Loan Payoff Restriction '' with my refinance. No one ever spoke to me about it. I was surprised to see this when I was signing the documents in front of the Notary. Several days later, XXXX occurred. So now mortgage rates are even more competitive. Someone told me that this Early Loan Payoff Restriction is illegal. I have an opportunity to refinance at 3 % fixed for 20 years. I am interested in pursuing this option. West One Capital has evidentally already sold this loan to XXXX. So I am wondering if this Early loan Payoff Restriction is legal, will West One pursue it, since they 've already sold off the loan, and if so, why? How much will the fees be?

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-04 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: EXPERT GLOBAL SOLUTIONS, INC.
State: PA

Complaint narrative:
They need to stop calling me repeatedly about a utility bill that was supposed to be under medical certificate.

Company response to consumer: Closed with explanation