vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-03-17 00:00:00
Product: Credit card — 
Issue: Cash advance fee — 
Company: U.S. BANCORP
State: GA

Complaint narrative:
Bank continues to charged interest on cash advances that have been paid off. 
Internet Payment Thank You {$290.00} Minimum due {$37.00} pd XXXX on CA XXXX now paid back XXXX/XXXX/XXXX Internet Payment Thank You {$280.00} Minimum due {$30.00} pd XXXX on CA. 

XXXX/XXXX/XXXX Internet Payment Thank You {$150.00} Minimum due {$36.00} pd back XXXX CA XXXX on CC balance These 3 payments were to cover my cash advance. All were well above my minimum payment due and extra should have been applied. The first CA was XXXX and paid back within 3 weeks.

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 2015-12-29 00:00:00
Product: Credit card — 
Issue: Other — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I opened a Sears account a few years ago to reestablish my credit. I received a letter from them dated XXXX/XXXX/15 informing me that they were not renewing my account after the due date. In the letter it states twice in the letter information from my credit report. It states their decision was based on a credit system that assigned a numerical value to various item on your account and credit report. After providing the details with the credit bureau contact info it states, Please note, other than providing information, the reporting agency played no part in or decision, that is not true. I spoke with XXXX today who informed me that the did a soft inquiry on my account to review my credit. During the month of XXXX 2015 I had a XXXX balance. Sears and Citibank bank were not truthful in providing the reason as to why they were not renewing my card. If the credit bureau info was not a factor why was it on the letter twice? My credit history should not have been a determining factor with my Sears account. My history with Sears ONLY should have only been reviewed.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: AES/PHEAA
State: NY

Complaint narrative:
I submitted all necessary documents for a forbearance/deferment to be processed for my student loans, instead of processing paperwork someone in my borrowers office sent my paperwork to the Dept of Ed for default status, ( they did this behind my back even after telling me all my documentation had been submitted on time and they reassured me my loan would not be defaulted, ) I was told by the Dept. of Ed to contact my service provider to have them recall the loan but when I tried to contact them repeatedly I was stonewalled told a supervisor was reviewing my request but, there was not going to be an issue with them recalling the loan, then after calling repeatedly calling the Dept. of Ed. I found out they had turned my loan over to a collection agency unbeknownst to me, I immediately attempted to get a resolution, I am still waiting, I feel I Am the victim of predatory lending not only from the financial institution but, the Dept. of Education, To add insult to injury it has been 10 I repeat 10 years since I graduated and I am working XXXX part time retail jobs barely making ends meet, I am not even working in a position of my field of study. Now I have this over my head? Because someone in the XXXX Office turned my paperwork over with little regard to the consequences it would bring. I can not even further my education because of this. And my life is at a stand still until I can get this resolved. The entire time I have had this loan I have made sure it was on deferment until now, because of the irresponsibility of one or more people working in collusion. I always did that because I could not afford the payment and I did not want to have an adverse stain on my credit report and I always intended to pay it off someday. I still strive to get to an employment position that will allow me to satisfy my financial obligation.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-29 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
The Ohio Attorney General submitted correspondence to remove a State Lien from my credit repository accounts as they have been paid and released. The credit reporting agency has yet to successfully comply with this request after several letters from myself with attached documentation and from the Ohio Attorney General which held the lien.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-01 00:00:00
Product: Credit card — 
Issue: Other fee — 
Company: TD BANK US HOLDING COMPANY
State: RI

Complaint narrative:
I purchased Groceries on a Target Red card in exchange for 5 % off in XXXX 2016 I received no bills from Target or reminders regarding payment-XX/XX/XXXX to XXXX as far as I can tell XXXX XXXX 2016 They started charging me late fees Original purchase was {$50.00} End of XXXX with late fees this was XXXX I got a letter by mail saying I was 56 days late with a Large late fee and Interest on a & lt ; {$50.00} purchase and they would not reverse it and reported it to credit bureau

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-06-01 00:00:00
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: CITIBANK, N.A.
State: MO

Complaint narrative:
I am being charged almost {$10.00} a month for life insurance credit protection through Best Buy/Citibank credit card. I never signed up for this service. The company will not remove any charges even though I have asked them for proof that I consented. In addition, I 've never been given any sort of paperwork or any details on exactly what this product is. The monthly fee is XXXX of my payment every month. Because of this fee I 've barely paid down my balance, it 's just a continuing cycle.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-08-31 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: OH

Complaint narrative:
I am a housing counselor. I have helped a client obtain a HAMP modification on their Ocwen loan. It is not a GSA. Mortgage payment is great. But in reading over the permanent loan modification agreement, I noticed a discrepancy as referred to the Principal Balance Deferment. The homeowner owes around $ XXXX on the home, approximately $ XXXX will be the Principal Balance Deferment and remaining balance of over $ XXXX will have interest of 3.25 %. In the Balloon Disclosure, the principal balance deferment was over $ XXXX. When I asked for an explanation, I was told by a supervisor that the additional $ XXXX was interest that Ocwen would have gotten over 40 years on the principal balance of $ XXXX at 3.25 % which they will not collect because the modification has a maturity of 20 years. No where in the loan agreement was it ever mentioned how they came up with this figure. In fact they refer to the figure as " Deferred Principal Balance Due on Maturity '' and show the amount starting and finishing at over $ XXXX. In the loan agreement they also refer to the {$23000.00} as the " New Principal Balance '' which shall be deferred ( Deferred Principal Balance ). In asking why there is not explanation, I was told that they use " generic '' papers and do not have any place to explain what they are doing. In getting this explanation, I had already escalated the call to a supervisor. After the explanation, I submitted something by fax to the " Research Department '' since I wanted something in writing.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-11 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IN

Complaint narrative:
I applied for a Bank of America XXXX XXXX with a XXXX percent promotion for 15 months. I clicked through their website and was approved for the card. Unfortunately, I was not told that I was n't approved for the advertised promotion. I 've since moved my medical bills to that card ( and made other purchases ) and am now paying interest on a card that is even now advertised as XXXX percent for the first 15 months! Feels like bait and switch.

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 2016-08-26 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
Select Portfolio services is my mortgage holder when I fell behind do to my XXXX in my payments they refused to help me ketchup when I contacted them to see if there was something I could do they continuously told me I needed to submit forms and other documentation that I had already previously sent they continuously put my situation off now to the point where I can not possibly afford the catch up they then suggested doing a deed in lieu but because I had fallen so far behind with them and with the association which is contributed to my XXXX that my HOA dues monthly are more than my mortgage payment so between the XXXX I can no longer financially live here and because of the HOA placing a lien against the property Select Portfolio servicing Representatives stated that I needed to do a short sale and that my property did qualify for a short sale. Then I contacted a realtor to do a short sale, once the realtor started filing the necessary paperwork for a short sale then once again SPS started requesting paperwork but they had already been given in stating that they had not received it in the first place when the realtor also filed a letter stating that I am a XXXX American that 's when all the trouble started. Then sps wanted to do a new appraisal that was the third appraisal and that appraisal came in less money than the first XXXX but still SPS will not do a short sale for me which would allow me to receive up to {$10000.00} dollars for relocation funds. So between the hoa due 's and mortgage it brings my monthly payments to {$540.00} per month. It seems that is management has put me on a black list and refuse to allow a short sale. I need Help please

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-12 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: M&T BANK CORPORATION
State: PA

Complaint narrative:
Ref : CFPB Consumer Complaint ID # XXXX. 
I have been a customer of M & T Bank ( and Wilmington Trust which it took over ) since XXXX. M & T Bank insists it needs additional information from me such as my drivers license number and my occupation in order to comply with XXXX, and XXXX regulations. 
However, all public information I can find says that is not the case. 
All indications from the government is that the XXXX only applies to new customers ( after XXXX ). 
Here are links to back that up : XXXX XXXX XXXX XXXX # XXXX Since I have been a customer since XXXX, I am not covered by those rules. Please provide me a link to information indicating I am wrong if you disagree. 
Note : I have attached the letter I have received as a result of you sending them my first claim. But as you can see the letter is just a restatement of their claim that they are required to collect this information but does not address all of the links from government sources that say they do not. They state that XXXX regulations require that but yet another link XXXX # XXXX directly refutes it. So if the CFPB just sends my complaint again to M & T Bank it is not clear to me how I am going to get anything more than just another similar letter that just claims they have the right to collect information with vague reference to rules that they claim say they do without providing clear enough references ( links ) that I can look-up and validate their claims or something that shows that the multiple references I have consistently provided are in fact outdated and incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-27 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
Tuesday XXXX XXXX 2016, I noticed that my Chase checking overdraft protection deposited {$1800.00} into my checking account to cover an overdraft. However, there was no overdraft that occurred from my records or from Chase. The amount showed as 'Pending. ' I contacted chase at XXXX EDT on Tuesday XXXX/XXXX/2016 to ask why this happened, but the ( male ) Chase representative could not explain why. He stated that I should repay the {$1800.00} back to the credit card ( Chase XXXX ) and everything should be fine. He stated that I need to do this before the end of the day ( Tuesday ). As instructed, I made the payment from my checking ( account XXXX ) to my Chase credit card that night for the amount of {$1800.00}. Wednesday morning ( XXXX/XXXX/2016 ) my account showed an new overdraft because of the payment I made to the credit card. However, the funds ( {$1800.00} ) that were originally showing as 'pending ' were no longer in my account and a new credit card over draft amount was transferred for ~ {$1500.00} ( to cover the NEW overdraft ... according to Chase ). My checking account now has a XXXX dollar balance and I no longer have any money in my account. I 've talked to at least XXXX different Chase employees, from different departments, each coming up with their own explanation of what occurred. Eventually, I was told that I would have to wait for the {$1800.00} credit card payment to post and then have it reversed which will then take an additional 3-5 business days after I call back, yet again to explain the situation to yet another Chase rep. This is a complete breakdown of communication on Chase 's part and lack of ownership for what one incompetent Chase employee told me to do. My family and I have been trying to stretch the mere {$300.00} in my checking until next pay day. I keep getting the same answer from Chase : " I 'm sorry, but there 's nothing we can do. '' I mentioned to them that my phone call was recorded with the original rep and that they should take ownership for their mistake. I had one employee ( XXXX XXXX ) tell me that I should start using a paper register to keep track of my records ( i.e. placing blame on me for the issue ). So far, I have not heard anything back from anyone within Chase and I 've wasted hours today on the phone re-explaining the problem, but ultimately, it has gone no where. I want my cash back in my account and I want them to rectify this properly. I will also be looking into what can be done from a legal point of view. I need help.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-12-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Flagstar Bank, N.A.
State: PA

Complaint narrative:
To Whom It May Concern : I was put on a loan modification in XX/XX/2014. I paid XXXX payments. The second payment was a partial payment. 
I spoke to Flagstar Bank representative XXXX XXXX in your XXXX Florida Call Center. I told her it would be paid from my next paycheck. She said do n't worry about it. I 'm going to work on something else for you to lower your payment. I filled out all the required paperwork. When XXXX XXXX came, instead of receiving a lower mortgage payment, I received a payment schedule to start in XXXX XXXX raising my mortgage payment by {$400.00}. 
We have a unique situation with an XXXX year old XXXX daughter, who in the long run, her health might be negatively affected by not working something out with Flagstar Bank. 
The bank keeps saying I did not make a payment since XXXX, but that is simply not true. 
I would like a response to this message. 

Thank You.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-25 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Navient Solutions, LLC.
State: SC

Complaint narrative:
Navient is impossible to contact, and very difficult to work with. Also, they constantly send me marketing materials trying to sell me stuff under the name XXXX. If I block those emails, then it blocks emails I need. 
This company is dreadful and I am fed-up with them. When I call, their automated system hangs up on me and it takes 4 or more tries to get in a cue that then takes another 45 minutes wait time to speak with someone. When I get someone, it is typically the wrong someone, with a bad connection, in XXXX, and I can not understand what they are saying. Disconnect and try again. I have spent countless hours trying to reach them to not get simple problems resolved. 
They 've already made one mistake and hurt my credit - which cost me on a mortgage loan that affects me for 30 years. 
I 'm sick of this company. I never signed on with them, but my loan was sold to them and now I have to spend way too much time dealing with a bunch of amateurs and not getting my problem solved. 
I previously submitted a complaint ( Case number : XXXX ), and they never contacted me. They did respond to the CFPB, claiming that they were unable to reach me. This just reinforced my suspicions above - this is not an organization that is interested in actually getting anything meaningful accomplished - they are a bunch of amateurs that are wandering aimlessly and randomly picking individuals to make their lives difficult. I DO NOT WANT TO DO BUSINESS WITH THIS ORGANIZATION ANY LONGER and I hope that the CFPB can offer a way out and recourse.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-24 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I applied for a CitiGold bank account with Citibank in XXXX XXXX under a promotion for XXXX XXXX XXXX miles. The miles were to be credited to my account as long as I met the requirements of the promotion. The requirements were {$1000.00} in debit transactions within 60 days as well as bill pay for consecutive months. I met the requirements at the beginning of XXXX, and received confirmation that I met the requirements on XXXX/XXXX/XXXX via Citi 's secure message system from XXXX XXXX. 

At this point, they explained that I needed to wait 90 days for the miles to be credited to my account. I waited the 90 days and secure messaged them again and received a response on XXXX/XXXX/XXXX from XXXX XXXX. She explained that they needed to open another research case to determine whether or not I was actually eligible for the promotion. Keep in mind, at this point, they have collected {$90.00} in monthly fees as the account needs to be open and in good standing prior to receiving the miles. 

On XXXX/XXXX/XXXX I received a message saying that I had met the promotion but they needed my XXXX XXXX account number in order to credit the account. I provided the account number several days later, and waited to see if the miles would be credited. After waiting two weeks, the miles were still not in my account. At this point, I called Citibank to see what the hold was. The customer service representative informed me that the miles usually credit and post to XXXX XXXX after my Citibank statement date closes. I took their word for it and waited until the beginning of XXXX to see if the miles would post. Still no miles. And I was charged another $ 30 monthly fee, making my total monthly fees paid to Citibank to be {$120.00}. 

I secure messaged Citibank again to see why the miles still had not credited to my account. On XXXX/XXXX/XXXX I received a response from XXXX XXXX stating that I was not actually targeted for the promotion so I am in violation of the terms of the agreement. This is in direct contrast to all of the previous emails and messages I have received, and Citibank has collected {$120.00} in fees from me. 

Fortunately, on XXXX/XXXX/XXXX I received a message from XXXX XXXX via secure message that said they would be honoring the terms of the original promotion and I would be receiving the XXXX XXXX miles within 60 days. They said they could not waive the 60 day waiting period. 

This is in direct contrast to the terms of the original promotion which stated that the miles would be credited to my account no greater than 90 days from when the promotion was met. By including this additional 60 day window, Citibank is collecting even more account fees from me. I am incredibly frustrated and insulted by the lack of customer service at Citibank.

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 2016-08-30 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Core Recoveries, LLC
State: CA

Complaint narrative:
I have been contacted by Core Recoveries, LLC, which claims that I owe {$70000.00}. They will not state what this debt is for, and I have routinely indicated that I do not owe any student loans. Without debt verification or validation, I can not get them to correct their records. The date of the letter is XXXX XXXX, 2016. Since utilizing the CFPB complaint process, I have had a non-existent loan transferred to XXXX different collection agencies, none of which want to produce actual documents. This process is not working at all and has damaged my credit in an unimaginable way ; now I have credit entries from XXXX collection agencies, and my " student loan '' entries have ballooned to more than XXXX. My credit report is XXXX pages long. The more I work to correct these erroneous and fraudulent listings, the more the situation expands exponentially. I do not owe on, nor did I ever take out any student loans. I do n't know how much more simple this can be, but for some reason, the more I state it and write in about it, the more collection agencies become a part of my life. Their letter threatens 15 % wage garnishment, " without having to bring action in Federal Court. '' No matter how many times it is stated that this is illegal, these debt collection agencies do not cease these practices. I live in the state of California, so I know that they are also violating the XXXX Fair Debt Collection Practices Act. Nevertheless, nothing is being done to stop these agencies.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation