vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-09-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
We reached out to CitiBank on XX/XX/XXXX when I realized that my promotional balance expired on XX/XX/XXXX. I explained to them that I thought it expired in XXXX and asked to get the interest charges waived as a courtesy. 
I received a response on XX/XX/XXXX at XXXX ET with the following message : We received your recent email regarding your account. 
Unfortunately, your promotion expired on XX/XX/XXXX with a balance remaining unpaid. Under the terms of the promotion the deferred interest charges have been added to your account. As a courtesy, we will waive {$210.00} of the interest charges if you will make a full payment of {$350.00} on or before XX/XX/XXXX. Once your payment has posted to your account, you may submit a request for the adjustment. 
Please let us know if we can be of further assistance. 

We made the requested payment on XXXX for the amount and before the date. I reached out again on XX/XX/XXXX asking for the interest to be waived since we made the payment as asked by the deadline. Citibank responded that they were unable to execute the interest charge adjustment. 

This is deceptive and unfair where an agent requested for a payment which we made and then wouldn't follow through with their commitment. There was a financial impact on the agent 's actions.

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 2018-09-21 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: CORELOGIC INC
State: TN

Complaint narrative:
CoreLogic disclosed information to XXXX XXXX XXXX. I call and requested a copy of the report. I was told that it was not on file. I am requesting a copy of file from CoreLogic and a deletion of my file from all credit bureaus, XXXX, XXXX, XXXX. I have placed a security freeze on my CoreLogic information XX/XX/2018 the information was solicited XX/XX/2018.

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 2018-09-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I have negative accounts that was open from fraud and I contact the credit agency Equifax and they are not applying at all to remove these negative accounts off my credit file

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-21 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Atlantic Credit & Finance, Inc.
State: MO

Complaint narrative:
On XX/XX/XXXX, we went to court as the company who purchased my debt ( Atlantic Credit ) obtained legal respresentation ( XXXX XXXX XXXX ). I, did not have an attorney representing me. The attorney for XXXX XXXX XXXX had me sign the judgement form ( outside the courtroom in the hallway ) stating it was proof I showed up for court. I advised him that I did not want to and that I wanted to see if I could obtain an attorney ( as I was completely unfamiliar with the situation ), I also wanted to discuss my options with the judge. The XXXX XXXX XXXX attorney stated the the debt was valid because I signed for the credit card. 

In XXXX, I made two written requests that included payments ( {$200.00} and {$20.00} ) via money order to them and requested they send me in detail a list of the alleged charges and fees. However, they failed to respond and provide anything I requested. 

In XX/XX/XXXX, my wages began to be garnished without me ever being formally served or notified. I have only attended one court hearing and were not notified of any other proceedings. 

My wage garnishment were 25 % for the total {$1900.00}. 

On XX/XX/XXXX, it was reported to be my final wage garnishment, however, when I called XXXX XXXX XXXX they advised that it was not my final payment ( although the judgement stated so for the final amount paid ) and that it was still accumulating interest. I advised them that the order was already set and payment was sent for the balance. The advised that I still owed interest as it was accumulating although my wages were being garnished. I requested the debt collector information who hired them so that I may contact them directly and they stated they had no such information. When questioned how they could not have this information they were not able to formulate an answer. I then asked for the attorney who was handling my file and they reported there was no attorney handling my file. 

Furthermore, I was not informed of the garnishment until I received my paycheck in which the initial deduction was made.

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 2018-09-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Selene Finance LP
State: CA

Complaint narrative:
My loan was transferred from Selene Finance to XXXX XXXX as of XX/XX/18. The servicing transfer letter from Selene was dated XX/XX/18, and the one from XXXX was dated XX/XX/18 ; however, I did not receive them until well into XXXX, very short notice. At the time I received the letter, I had paid half of my XX/XX/2018 payment to Selene ( {$1100.00} on XX/XX/18 ). Their letter said that amounts paid by XX/XX/18 should be sent to Selene. Since I made the second half of my XXXX payment on XX/XX/XXXX ( {$1100.00} ), I sent it to Selene. Selene seems to have applied this payment, as a screen shot from their website shows the next payment due date to be XX/XX/XXXX. Meanwhile, I had been receiving phone calls a few times per week from XXXX. Each time they asked about my XXXX payment and I explained that it had been made - dates, amounts, etc. 

I have so far made two payments to XXXX : XX/XX/18 {$2200.00}, and XX/XX/18 {$2200.00}. These payments appear to have been applied to my XXXX and XXXX payments instead of my XXXX and XXXX payments, as their website now shows my loan due for XX/XX/18. 

Because I began to become concerned that this missing payment would never be resolved by these two companies, I did call Selene and asked if the payment had been/could be forwarded to XXXX. I was told that Selene had sent a check via XXXX XXXX on XX/XX/18 for not just my loan, but many in the transfer. I could not get tracking information for this shipment, because I literally was hung up on by the unbelievably rude associate, after they informed me that I was no longer their customer. 

After a phone conversation with XXXX today, I have been told that Selene is either failing to respond or providing inadequate tracking information for payments that have been sent by Selene to XXXX since the servicing transfer. XXXX at XXXX said there are numerous emails to Selene asking for additional funds to make up for the missing payment. 

At this time, I am very concerned that this payment is still unapplied, and that negative credit reporting may happen because we are beyond the 60 day " grace '' period due to a transfer. I want to ensure that all payments get applied by XXXX effective on the dates that I made them, NOT as of the date they finally straighten this out. I have spent too much time trying to resolve this myself, and though I had no desire to file a complaint, I have no choice at this point.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On Saturday morning XX/XX/18 I went into the XXXX XXXX branch to cash a check for {$44.00} and withdrawal an additional {$150.00} ( This was all posted to XX/XX/18 due to the XXXX XXXX   holiday. I was checking on my account on the morning of XX/XX/18 and noticed a pending {$500.00} debit. I went into chase as soon as they opened ( XXXX ) and spoke both to a accountant on the floor along with the branch manager eventually. I said that it looked like there was a fraudulent charge on my account. The accountant notified me that it was not fraud it was a bank charge for investigation results. They told me that the {$44.00} check was cashed as {$540.00} and that they gave me that in cash on top of {$150.00} withdrawal. I explained to them that I did not receive that money that I only received {$190.00} and that I needed this resolved and they needed to show the camera footage of this transaction. On the morning of XX/XX/18 I received a call from the branch manager informing that they reviewed the footage and it shows the teller person counting out the money putting it into an envelope and handing it to me. I told her that that is not possible I never take an envelope for money I get and I did not get the {$500.00}. I told her that I wanted to see the footage she declined and said I would have to get it legally. I tried to file a police report with the XXXX XXXX Police but they said this was civil. I only get XXXX which takes everything I receive to get till the next month 's payment. Allowing Chase Bank to steal {$500.00} from me will be devastating. Just a thought - If I had video proving my stance on a issue like this one why would any organization not show it to prove they are correct beyond a reasonable doubt unless they needed to hide something? Why take the chance of losing a customer or many?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-21 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: EQUIFAX, INC.
State: IN

Complaint narrative:
I had XXXX XXXX services for a short period around XXXX.. When I ordered the services I inquired if it would be a hard or soft credit check. The agent stated soft. I went forward with the order. Few days pass and XXXX XXXX stated there was a hard credit check. I called in to dispute multiple times. Multiple agents said this would be taken care of and most of those calls were an hour at minimum. They put in a form. Advised to wait 90 days. I did, and called to follow up. Agent states it didnt process for an unknown reason ... waited another 90 days. Denied but stated the credit check was valid but 2 minutes ago you agreed and said soft inquires are always issue do out.. so I go and escalate this via chat with a supervisor. He agreed and stated it wasnt normal for this to happen and to go and disputed this with credit department. I went forward with it. They stated that I need to call att for support and get the OK from them. After going back and fourth I put in a word with the attorney general. She was no help whatsoever. Couldnt explain why any of this happened, why supervisors stated such things. All I want is this credit check to be removed. Everyone is making a big fuss over something att has falsely eductated me. If I do get support, I want to speak with someone else higher or equally as XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP
State: CA

Complaint narrative:
I HAVE A MORTGAGE ACCOUNT WITH XXXX XXXX FOR MANY YEARS & THEY'VE BEEN SENDING ME HARRASSMENT LETTERS ABOUT MY MONTHLY PAYMENT BEING BEHIND. ACCORDING TO MY RECORDS I DO HAVE HAZARD INSURANCE WITH SAME COMPANY FOR SEVERAL YEARS NOW. THEY SENT ME A ESCROW ANALYSIS ON XXXX & THEY ADDED THEIR OWN HAZARD/FIRE INSURANCE FOR THE AMOUNT OR {$4300.00} PER YEAR, SO MY MONTHLY PAYMENT WAS RISED FOR {$500.00} MORE THAN MY REGULAR SCHEDULED PAYMENT OF {$1200.00} TO {$1700.00} BECAUSE THEY SAID MY ACCOUNT IS SHORT. THEY ASKED ME BACK IN XXXX TO SEND COPY OF MY HAZARD POLICY AND I DID SENT IT QUICKLY SO THEY COULD ADJUST MY MONTHLY PAYMENT. I HAVE BEEN CALLING THEM FOR ABOUT 4 MONTHS NOW AND THEY SAID THAT MY PAYMENT IS CORRECT THAT THEY ARE KEEPING MY MONTHLY PAYMENT FOR {$1700.00} AND HAVE I'VE CALLED & BEEN TRANSFERRED TO DIFFERENT DEPTS. EACH TIME I CALL. NOW I OWE XXXX & XXXX AND THEY SENT ME A FORECLOSURE LETTER. I HAVE RECORDS THAT MY INSURANCE IS ONLY {$800.00} PER YEAR WITH XXXX AND ALSO HAVE RECORDS THAT IT WAS RENEWED BACK IN XX/XX/2017 AND US BANK MADE THE 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 monetary relief
Consumer complaint received 2018-09-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Client Services, Inc.
State: WA

Complaint narrative:
I owe XXXX XXXX about {$11000.00} for a credit card bill and haven't been able to make any payments for several months. This morning around XXXX XXXX, a male from Client Services at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MO called a family member and harassed her about giving them my phone #, etc. She said she couldn't do that then they also told her that they knew she lived at the same address that I did and told her I owed over {$11000.00} to XXXX XXXX. 

I understand it is against the law for them to reveal that type of personal information and I would like this addressed with the company and the person that made the phone call. 

I also want to ensure that they don't try to harass me or my family or try to retaliate against me while I'm trying to pay off this debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-21 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I was solicited by Home Depot to open this credit card and used it to purchase some new appliances for my home. I was promised 0 % interest if the principal balance was paid off within two years. I was reluctant at first since I had plenty of money in my bank account but feel I was aggressively persuaded by the store representatives to open the credit card. After opening the credit card and charging the purchase, I made multiple attempts and phone calls to Home Depot to set up automatic recurring payments to ensure it would be paid off within the two year interest free time period. In one of the recorded phone calls I asked verbatim So the automatic payments are set up so it will be paid off within 2 years? and the young lady representative responded Yes. And now, Home Depot mysteriously does not have record of the recorded call and are charging me an absorbidant amount of interest. I can show substantial proof that at the time of purchase then and now, that it is financially feasible for me to pay for these appliances outright with my own bank account. However, due to the unfair solicitation and improper set up of automatic payments and record keeping by Home Depot, they are now charging an exponential amount of interest. I contacted them concerning the issue in XX/XX/2018 and they have no record of that phone call either. So no record of any recorded phone calls and no record whatsoever of my phone call in XX/XX/2018. However, I guarantee that there is a record to show that they set up the automatic payments for me. I have already paid off the entire principal balance and would ask Home Depot to completely remove the questionable interest charges. If this dispute can not be resolved amicably, I will have no other recourse but to seek legal counsel which I would prefer not to do. Kind regards, 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 2018-09-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: TX

Complaint narrative:
Bayview Loan Servicing response is incomplete and did not provide a sufficient answer to the questions. Please provide the following : 1 ) amortization schedule for mortgage. 2 ) review payment history and match payments in suspense account with monthly payments dating back to XX/XX/XXXX - XX/XX/XXXX BAYVIEW LOAN SERVICING DID NOT REPORT ALL MONTHLY MORTGAGE PAYMENTS MADE and resulted in inaccurate reporting for XXXX Mortgage Interest Statement showing {$4300.00} mortgage interest received - please look at payment history provided in this complaint and cross reference with Bayview Loan Servicing records.

4 ) Please explain how all the below calculations were calculated and reported on The XXXX Form XXXX Mortgage Interest Statement Bayview Loan Servicing reported {$24000.00} - Total Interest Applied XXXX : see below Total Interest Applied XXXX : {$20000.00} Payments Applied to Previously Deferred Interest : {$6300.00} Prepaid Interest Applied : {$2700.00} Net Prepaid Interest ( Current Year ) : {$2700.00} XXXX Mortgage Interest Received from Payer/Borrower ( s ) : {$24000.00} ALL CREDIT BUREAU '' S - Bayview Loan Servicing has not reported Monthly Payments.

IN REGARDS TO THE STATEMENT FROM BAYVIEW LOAN SERVICING THAT THIS A DUPLICATE QUESTION ... THIS IS NOT A DUPLICATE QUESTION AND BAYVIEW LOAN SERVICING MUST STOP USING THE TERM " DUPLICATION '' AS AN EXCUSE NOT TO PROVIDE THE REQUESTED DOCUMENTATION. IT IS POSSIBLE THAT THE HIGH TURN OVER OF PERSONNEL INSIDE BAYVIEW REQUIRES REPEATING THE QUESTIONS BECAUSE IN MY EXPERIENCE THE SAME PEOPLE THAT WERE ASSIGNED TO MY CASE HAVE QUIT OR HAVE BEEN MOVED TO A DIFFERENT DEPARTMENT> THE ABOVE STATED REMAINS AN UNRESOLVED ISSUE. PROVIDE THE INFORMATION.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-21 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: FORD MOTOR CREDIT CO.
State: NJ

Complaint narrative:
I've been making payments to my account since the opening of my loan in XX/XX/2018. My payments are due the XXXX of each month for {$920.00}. I noticed that the month of XXXX on my credit report that it shows I am 30 days late. I am not currently 30 days late and on my report it states my status was updated on XX/XX/2018 but my payment is due XX/XX/2018. I contacted Ford Motor Credit ( FMC ) via the phone to speak with someone but the Manager was extremely rude to me. The Manager even told me if I can not afford the car then return it. I then wrote a 'Good Will '' letter explaining my situation. I explained that I recently went through a divorce and I've been having competing personal priorities. But I have been making my payments within the 30-day time frame. I knew that I was not 30 days late and I was even having problem with their phone system when making my payment. I spoke with another representative and was advised to use the online site to make another payment. I was assured my account was in good standing. After getting the alert I missed a payment with FMC I immediately reached out to dispute this claim. This 30 day late payment is gravely affecting my credit and even through my divorce I've worked hard to maintain my credit status. As a consumer I want to make sure I can trust my lender to practice fair practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: AES/PHEAA
State: FL

Complaint narrative:
XXXX XXXX lack of cooperation to solve issue when requesting a decrease of capitalized interest added to my account. 
Misguiding customers by no providing all information. 
Per information provided by XXXX XXXX XXXX accrued interest for bankruptcy and after bankruptcy because a payment plan changed to be able to afford payments. 
Lack of respect for customer. Never the person responding e-mails identified themselves. 
Overall I have been discriminated by representatives of this company. Dealing with them since XX/XX/2018.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
Portfolio Recovery uses different phone numbers to call me. They have used more than 40 different numbers with different area codes to harass me and call all the time. I don't have any collections.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-21 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: NAVY FEDERAL CREDIT UNION
State: MA

Complaint narrative:
When I left the service I struggled finding employment. I found a job at the XXXX XXXX XXXX and started in XXXX. During the duration of the time I was unemployed I fell behind on two payments of my mortgage along with other bills. I called Navy Federal and asked if I could move my two missed payments to the end of my mortgage and they said no. I told them I had just started working and I was struggling to keep up. They said that I have X amount of money coming in so I shouldn't be struggling. 

I went to pull the dates and amounts of everything but Navy Federal Restricted my access to that information. 

In XXXX I submitted a payment around the XXXX. On the XX/XX/XXXX they took another payment. I called and told them I am expecting money from my work do to OJT that the VA will pay me. So once I get that I will get caught up and could they please give me my money that they took back. They said in order for me to get the money back I have to give them a date I will pay by or they won't give me my money back. I said the end of XXXX and they said thats too late. So I said the XXXX. The girl also told me that they will not reserve any future payments that they take. Fast forward to today. Navy federal took XXXX out of my account leaving me with exactly {$27.00}. I called and asked them to refund the money and that I had submitted a hardship package prior to this. They said that the hardship package is just an application and doesn't mean anything, They also said they are no reversing the money. I then asked for a loan to get me through the two weeks and they denied that. How can a bank leave a family of XXXX with XXXX dollars for two weeks? Especially because I have been trying to work with them. They are making getting back on my feet a nightmare.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief