vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-03-29 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
This regards a 30 year fixed primary mortgage currently being serviced by Wells Fargo. This morning while talking with a bank representative, it came to my attention that the default way excess payments on my account are processed is not as most consumers including myself would assume. Apparently, paying extra and not specifying what to do with the excess results in the excess being applied to the following month 's payment. Thus, you are paying interest, PMI, taxes and principal e.g. paying extra in XXXX pays the XXXX payment first before paying principal. 

The bank mitigates with the following : Monies in excess of the following month being paid are applied to principal as expected. 
One can call and change the application to principal only ( within 3 months of the transaction ). 

It is possible some consumers want to pay the next months bill. However, it does not make sense as it means paying interest that would be lowered by paying principal. Furthermore, looking at the First Mortgage / Deed of Trust contract, in section 2. Application of Payments or Proceeds we find the following : " Such payments will be applied each Periodic Payment in the order in which it became due. Any remaining amounts shall be applied first late charges, second to any other amounts due under this Security Instrument, and then to reduce the principal balance of the Note. '' Since my account was and is in good standing, payments should not go to anything other than principal.

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 2017-04-09 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: DISCOVER BANK
State: CA

Complaint narrative:
I opened a dispute with Discovery Credit Card against the XXXX this Merchant charged me {$270.00} when They towed My car and they did it improperly damaging the rear differential on my XXXX, Discovery Credit Card Dispute department denied to assist me to clear up this charge saying the Charge is valid, Their department when I spoke today with a representative with the name of XXXX said to me the charge is valid if I want to dispute it I have to do it directly with the merchant, I told him I 'd dispute with the merchant If I would had paid directly with my personal Check or Cash money, This is not the case I believe using Discovery Credit Card I have some rights under FAIR CREDIT BILLING ACT. 
Using the same card agreement Statement I have with Discovery They do n't want to honor it as it says : 3. Special Rule for Credit Card Purchases If you have a problem with the quality of goods or services that you purchased with a credit card, and you tried in good faith to correct the problem with the merchant, you may have the right not to pay the remaining amount due on the goods or services. There are two limitations on this right : ( a ) you must have made the purchase in your home state or, if not within your home state, within XXXX miles of your current mailing address ; and ( b ) the purchase price must have been more than {$50.00}. 
I believe I meet the criteria above the same one I found : XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-04-04 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Since XX/XX/XXXX I have initiated 3 disputes with Equifax and to date none have been completed. Most of the disputed items still remain on my credit report. The last dispute was initiated on XX/XX/XXXX. Since then I have looked at my report on XXXX and it does show that XXXX accounts have been removed but to this day I have not received in correspondence from Equifax or any updated reports. When I check the status on their website, it still shows pending, along with the previous 2 disputes. I have not received any updated reports or results of my disputes. Most of the items were opened around the same time and were from the same main bank, either XXXX or XXXX. XXXX has sent me letters showing that the dispute of their items were found in my favor. I have attached documentation of 3 of those letters. Those have been removed but the others still remain on my account. I also am attaching proof that my data was breached yet again in XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-22 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Threatened to take legal action
Company: SMS Check Recovery LLC
State: CA

Complaint narrative:
XXXX/XXXX/2015 at XXXX XXXX. they called me at my job, my cell, my brother in law & my sister in law saying the following. " My name is XXXX XXXX I am calling from you can not really hear from where. Then she says, I have a affidavit for you to go to court, If I hide from them, then they will do a summons and to call this number XXXX reference # XXXX. I have saved this message. Why would a collection company do that? I am upset. I am also embarrassed that they called my job and family. If I owe them money, I understand, but to go through this tactics that they are doing is affecting me. I am scared. I ca n't not understand why they do this. My XXXX XXXX went, up. I got knots just listening to the message. I need your assistance.

Company response to consumer: Untimely response
Consumer complaint received 2017-03-24 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Texas Guaranteed
State: CA

Complaint narrative:
About 2 months ago, I received a phone call from TG XXXX, stating that I owed a {$100000.00} student loan debt I did n't recognize. My name ( XXXX ) is similar to the borrower ( XXXX ), but the address and social security number do n't match the borrower. The rep I spoke with apologized and said they would take my name off the list. 

Today, my employer told me that they received an order / demand letter from TG XXXX directing them to garnish my wages due to this same unpaid bill. I convinced my employer not to garnish my wages because the social security number did n't match. I want TG XXXX to stop harassing my and my employer.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: AES/PHEAA
State: MD

Complaint narrative:
FedLoan Servicing refuses to accept payments on weekends. Why? On what legal authority to they rely in order to the limit the days on which borrowers may repay their loan. No other legitimate creditors employ this unlawful and usurious practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-03 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Bread Financial Holdings, Inc.
State: MO

Complaint narrative:
I signed up for an XXXX account and agreed to " free magazines '' for 3 months being told i would be sent a card to cancel if i wished so i would not need to pay after a 3 month trial. I did not receive the card. I paid the dues and ordered XXXX more item then once i paid for my item i realized i was being charged about XXXX-XXXX dollars every month. Since I have n't had to deal with that before i paid until i finally was able to get a friend to explain to me what and why it was happening. So I called and cancelled my XXXX account. Thinking that would take care of it i did not expect another bill the next month from XXXX. So i contacted them again and was told i had to contact the magazine department. I did that and was told I HAD to pay until I demanded to speak to a manager. At that time I was told my subscriptions where canceled and my account was credited and I OWED NOTHING MORE. I received magazines again this last month. This last month I received another bill for about {$50.00}. I just spoke with XXXX and they say it has to be paid because its a late fee. I have been receiving 3-5 calls a day from XXXX Comenity Bank who uses and unavailable number and feel harassed. Canceling all this has been a 5 month process. One company I will NEVER buy from again!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-04-04 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Portfolio Recovery Associates, LLC
State: TN

Complaint narrative:
I first became aware of the Portfolio Recovery Associates collections after reviewing my credit report in XX/XX/2017. Prior to XXXX I had no communication with PRA and was not aware of the collection. Upon requesting verification of the debt, I was told that they had sent communication to an obsolete address. I have lived at my current address for 7 years and can provide proof of residency. I was told by PRA that the original creditor was XXXX, although XXXX is aware of my current address. I am confused as to why they would attempt to send communication to an old address when XXXX was aware of my current address. I do not think it is right to enter collections on my report without providing me with an opportunity to validate the debt and ensure accuracy. I was not allowed to properly exercise my debt validation rights under the FDCPA. After researching this company it has come to my attention that although I was never sent any information regarding this debt the company called me repeatedly but never left a voicemail indicating who they were. I have had absolutely no communication with Portfolio Recovery Associates until I called to inquire as to why they were listed on my report. The customer service rep that I spoke to was very rude and accused me of lying about the accounts. I asked to no longer be contacted via phone and that all correspondence be sent through U.S. Postal service. In my initial request for validation in XXXX, I received what I believe to be inadequate validation. In their validation they merely included a blank credit card agreement ( that was not signed by me ) and a copy of 3 months of statements, none of which reflected any activity. I am not requesting a verification of your records or a verification of the credit card company 's current policy. I am asking for proof that I incurred this debt, how much was incurred and that you have the right to collect it. Proof of my liability is my legal right under the FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-07 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Bread Financial Holdings, Inc.
State: KY

Complaint narrative:
My Mother suffers from XXXX and after my father had taken her Credit Cards, he asked me why she was still receiving charges each month from XXXX, a catalog company. I called the company 's XXXX # and they explained she was enrolled in the " XXXX '' with " Special Promotions '' for the charge of {$15.00} per month. I requested they unenroll her and was given instructions on how to achieve this which I followed to the letter. I disputed the charges at that time and forwarded all the information they requested in XX/XX/XXXX. All these months later they are still charging her and have sent the disputed amount to a collection agency. I have sent the information they requested again with another letter to deny the charges and want that to be an end of the situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-12 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: MFP, inc.
State: FL

Complaint narrative:
Enclosed upload will show the one & only contact with this company. 
contact violates 15 USC 1692g of FDCPA. 
XXXX This first contact document ( included with this " dispute '', Since no other documentation was provided to me prior either through electronic means or at my known & lawful residence, I must consider this my first contact notification of any alleged debt. ) 809. Validation of debts [ 15 USC 1692g ] ( a ) Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing -- ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, on the consumer 's written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor Since the First Contact ( XXXX Letter ) fails to meet these provisions & no further letters have been received either electronically or at my known & lawful address meeting the provisions of [ 15 USC 1692g ] within the five days limit set in the provision, I call upon the XXXX ( a Department of the United States Government Fair Trade Commission ) to act within its legal capacity, and ( its intended purpose to protect the consumers of the United States of America ) from illegal & abusive practices. I call upon the XXXX to order the removal of this item from my credit report produced by XXXX & any other Credit Reporting Agencies with similar entries. The XXXX has a legal responsibly to act in this matter. 
Further, I call upon the XXXX to report not only this but, also previous reports of violation committed by Financial Credit Services to the appropriate Federal and State Agencies for their consideration of possible action.

Company response to consumer: Untimely response
Consumer complaint received 2017-04-06 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
I have a checking account with Citizens Bank. I recently called the bank to ascertain the balance in the account as I did not have online access and forgot the account number. 
Upon being granted online access through the customer service representative, I discovered the account had been debited {$65.00} ( {$10.00} the first month and {$5.00} per month for 12 months after being designated a " DORMANT ACCOUNT ''. While I understand a bank has the leeway to levy such fees, I disputed the fees with the Citizens Bank however because I learned the way they attempted to contact me about the DORMANT ACCOUNT was to send messages for me to the dormant account itself!!! If an account has been dormant, what makes the bank think that the account holder is accessing the account to read messages???? Seems to me if they have the account holders contact information, such as email and phone number, which would have been submitted when the account was opened, then the correct manner to reach said account holder with a designated dormant account would be through some other avenue other than the dorman account itself. The idiocy of their excuse for charging an account holder for a dormant account yet messaging them about the dormant account through the dormant account is beyond stupid.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-07 00:00:00
Product: Credit card — 
Issue: Arbitration — 
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
I received a check in the mail from Macy 's for {$25.00}. Attached to the check is a letter stating that it was discovered a credit is due to my account. It states, " However, given the current status of this account we are providing a refund of {$25.00}. '' I am unsure what that means. Do they actually owe a larger amount but have decided the status of my account dictates a lower settlement? 

In the attached letter they provide a tracking number and contact phone number. I contacted the number listed on the letter to inquire. They instructed me to call Macy 's with questions. 

Macy 's claims they have no record of check being issued and do n't know what I am talking about.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-04-05 00:00:00
Product: Credit card — 
Issue: Other — 
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
dropped a check to pay XXXX of my citi bank credit card infull in the night deposit at there XXXX branch on XXXX accounts end in XXXX and XXXX got a call from the head teller who refused to process my payments and said he was mailing them back to me. branch manager refused to speak with me. even asked the head teller why he could not just mail them to citi bank since they were in the envelope provided with my monthly credit card statement and all he could say was it was illegal for him to process my payment in any way shape or form and he refused to transfer me to the manager.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-05 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: CITIBANK, N.A.
State: DC

Complaint narrative:
I have a Macy 's credit card which is serviced through Chase. On XX/XX/2017, I paid my balance in full of {$500.00} and assumed that I had a XXXX balance. On XX/XX/2017, my card was charged {$9.00} in interest charges and on XX/XX/2017, my card was charged {$2.00} for a " minimum interest charge, '' and was again charged {$2.00} on XX/XX/2017. I received emails from Macy 's to login and check my statements, but since I knew that I paid my balance in full in XX/XX/XXXX and had not used my card to purchase anything, I did not feel the need to login to my account ( their website is very confusing ). I received a notification from XXXX that my credit score - which was previously around XXXX - had changed and it had dropped to the XXXX due to Chase reporting me for delinquency. I logged into my account and found that I had a balance of {$13.00} - all of which was just interest and fees accrued AFTER I paid my bill in full. I paid the {$13.00} on XX/XX/2017 ( when I realized what happened ) and tried to file a dispute, but became overwhelmed and confused by what I needed to do in order to dispute their delinquency charge. This is not the first time that this happened with Macy 's, and the issues began when XXXX began servicing my card. 
Today I received notification that my private student loan through XXXX has raised its interest rate for the fifth time in about six months to 9.50 %, and I sought a soft quote from XXXX to refinance my student loan. I was told that my credit score was XXXX and that the key factors that affected my score are the time since delinquency is too recent or unknown and the number of accounts with delinquency ( I have no other accounts with missed payments ). I do not have anyone who can cosign for me, as required by Citizens, and did not think that I would need one as I have made years worth of consecutive on-time payments to my student lenders ( I am over XXXX ) and my annual income has been over $ XXXX for the past few years. I need help fixing my credit score so that I can attempt to get refinancing of my student loans, as I am carrying about {$65000.00} worth of student debt.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-04-02 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Santander Consumer USA Holdings Inc.
State: NY

Complaint narrative:
I purchased a Vehicle ( XXXX ), which I received auto loan through Santander Consumer USA In XXXX from XXXX In XXXX NY. The car only had XXXX miles, after 1 yr engine blow and they told me I was XXXX miles over my warranty. So I voluntary surrender the car because an new engine would cost XXXX and I would be paying more than the car was really worth. The car was then re-sold, and it was charged off by Santander and they sold the account debt a company called second round and it is now really affecting my credit report. I have reported this to the credit agencies and this is still coming up.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-29 00:00:00
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
I have asked numerous times not to be contacted by XXXX and that they only communicate with me via US Mail. The company is contacting me several times a day via a Robo dialer. When I answer the phone they often hang up on you. The calls are originating from a call center in XXXX. I keep being told they will no longer contact me on my company cell phone but they still do. The debt collector often states they are on a recorded line but will not identify themselves until they try and verify all the personal information. I told them they were not authorized to contact this number.

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 2017-04-03 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: SYNCHRONY FINANCIAL
State: ME

Complaint narrative:
I was on an auto pay the last 18 months for a heating system which I had been told was interest free for the life of the loan. Last month the monthly amount was raised without my knowledge and when they received a lower amount, charged my account {$2100.00} in interest.

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 2016-10-29 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Shopping for a loan or lease — 
Company: STEWARD FINANCIAL SERVICES LLC
State: NJ

Complaint narrative:
I did not authorize or request credit inquiry this company.

Company response to consumer: Untimely response
Consumer complaint received 2017-04-06 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Credit Solutions, LLC (KY)
State: AR

Complaint narrative:
I want to dispute this debt and any other debts that should have been off my record but you continue to renew it after the statue of limitations is up. I want to kindly ask you to please go by the statue of limitations and remove this debt and any other debts I owed from my record. I want them removed from all 3 Crdit Bureaus immediately and my records cleared. Thank you

Company response to consumer: Closed with explanation