vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-04-19 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
my modification was not handled correctly and I have made a complaint however  XXXX   XXXX   XXXX  FROM  CITI MORTGAGE EXECUTIVE DIV ISION DID NOT ADDRESS ANY OF MY DISPUTES THIS IS THE 2nd complaint to case #  XXXX  i w ill attach my requestes of the process of the modification and the guidelines of each clause I have asked numerous times and response to the police reports in which my foreclosure was made public by  citi mortgage hiring of 2 real  estate / appraisel companys also how  XXXX   XXXX   came about the decision that I was not treated however he never answers the direct question please read the attac hed files

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 2017-04-18 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: NM

Complaint narrative:
Experian is not responding to my requests to investigate, verify and remove an account from my credit report that does not belong to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: United Student Aid (USA) Funds
State: IL

Complaint narrative:
I fell be hind in payments to Navient on my student loan due to child support obligations. That loan went into default early last year rig ht as I was exiting child support.  XXXX  Funds is the Guarantor and I made an agreement with them over the phone to make monthly payments of {$210.00} which I have made 30 days in advance for over a year.. In   XXXX   XXXX   XXXX  hey started sending my payment back to my bank and told me it had been placed in collection with  XXXX   XXXX   XXXX . I researched this company and heard they could add fees and so I decided through studentloans.gov to consolidate this loan with  XXXX   XXXX . The payoff everyone  (   XXXX  and  XXXX   XXXX  ) agrees is just under {$11000.00}. But,  XXXX  Funds keeps sending a payoff to  XXXX   XXXX  on my applications of around {$13000.00}. I can not contact  XXXX  Funds apparently.  XXXX  and  XXXX   XXXX  said if I amke my monthly payment of {$210.00} they would remove a collection fee of {$2000.00}. But, neither of those entities now admit they added that fee. I just want to consolidate my actual debt of under {$11000.00} with  XXXX   XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-17 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: FORD MOTOR CREDIT CO.
State: NC

Complaint narrative:
I recently went through a divorce and financial hardship, even as I have struggled I have still trying my best to stay afloat and to keep paying bills slowly but surely. I recently got reposed my   XXXX    XXXX   XXXX  that I had for  one   year. Ford Credit  took my SUV back with only 54 days behind in my payment. I have been slowly falling behind 30 days but never thought that being 54 days late was reason enough for Ford Credit to come repo my car. Immediately the very same day I called them to work with them and they immediately shot me down and told me that my account was now sent to another department ( Recovery Department ) and they would handle it from there. I called them and told me to wait 72 hours for me to talk to them, I waited 72 hours and called them, the lady on the phone told me  that I had to pay the whole balance owed in the vehicle of {$32000.00} and I had 15 days to do so for me to get the vehicle back from them or after those 15 days my car was going to be sold and that I was going to be held accountable for any legal fees or balance on the loan. I told her that was impossible, so I offered to pay the late payment ( 54 days late ) and any late fees associated with the account and even a month ahead and she told me no. I was willing to go beyond what I could to be able to keep the car and get it back but she refused my offer. I asked to speak to a Supervisor, she transferred me to this voice mail, I left message, the voice mail said that she was going to call me back wi thin 72 hours and there was no reason for me to call back. 72 hours c ame and went, I call several more time trying to talk to someone at that number and she never answered or I never talk to a person ( supervisor ) as I requested. When I call back to the recovery department because I was not able to get a supervisor the lady say the decision was final and that there was no way to change it. Now, I get a bill saying that the car was sold to a private buyer and that I owe them {$10000.00}. All these could had been avoid if they had worked with me, if a had talked and explained to a real person, not a recorded machine. I request to please help me out in this matter. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-20 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
I want to report  XXXX  credit card companies that keep disputing me and reporting me to the credit bureaus and making my credit very very bad. I have a socre of less than  XXXX  when I should have a  XXXX  or higher. I swear to you and the government that I never was late on any bill in my life. My husband late  XXXX   XXXX   XXXX   XXXX  was died of  XXXX  orange and we pay our bills even after he died. I have a Problem with  Chase  and  XXXX  because I file a FTC report with Federal mCommission which my grandchild did for me and I also file police report 2 times and sent to both companies and still they fight me and will not remove from Equifax,  XXXX , and  XXXX . I have the files where I sent information. They sent  XXXX  of pages of statements to me but no signature where I started the accounts. I swear I did not do this then they say my children or son in law do this but then I asked them for proof that it was my family and they did not sent and told me it was proof from transfer to another fraudulent account that is also on my credit. Then they say that I have funds transferred to a bank account at  Chase  also that I did not open up.  XXXX , I am retired and on benefits from my deceased husband who died of   XXXX   XXXX   XXXX   and I can not afford an attorney to fight this. This has caused me so much stress over the years and I am sorry for the companies that have been wronged with credit use and loss of money but I did not do this!!! I will go as far as an attorney if you can find a legal aid for a retired person on low income because I am not liable and I do not like my name is ruined because of these things on my credit bureau. I have never used my credit that much in the last 20 years except  XXXX ,   XXXX   XXXX   XXXX     and I assure you, I was never late for those or  XXXX  and  XXXX . I never was late on any bills ever. I had Chase card with my husband over  XXXX  or 30 years ago and never was late. I had  XXXX  and  XXXX   XXXX  cards and never was late either. Please investigate for me.  Chase  sent over one hundereds of papers with statements and none with my signature on it.  XXXX  said I transferred money to a Chase account but I did n't even know they have a bank account in my name. I have talked to all of my family members and they did not do this because they say family did it and if so, then so be it. Whoever is responsible should pay for it not me. I need help with this please.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-21 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Using a debit or ATM card — 
Company: Comerica
State: NY

Complaint narrative:
My ex boyfriend threatened me with a knife and went to jail on  XXXX / XXXX /  XXXX  . He then proceeded with the help of his niece to make  XXXX  fraudulent charges to my  XXXX   XXXX   XXXX  debit card.  XXXX  charge was for  XXXX  to  XXXX  on  XXXX , the second charge was for #  XXXX  to  XXXX  on  XXXX . I opened a dispute and they are claiming I am the one who made these charges when I did NOT. I asked in writing for the dispute to be reopened and I want the money refunded to my debit card asap.  XXXX  all of my information and stole it. This is identity fraud/theft.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-04-20 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I HAVE DISPUTED WITH EQUIFAX CREDIT BUREAU REGARDING A COLLECTION AGENCY NOT UPDATING MY REPORT DUE TO BEING NO LONGER LIABLE AND BEING SATISFIED. THE CREDIT BUREAU DID AN INVESTIGATION THAT WAS VERY POOR. THE CREDIT BUREAU ALWAYS GOES WITH WHAT EVER THESE AGENCIES SAY AND NOT DO A THOROUGH INVESTIGATION. I FILLED THE SAME DISPUTE WITH   XXXX   AND IT WAS REMOVED DUE TO A THROUGH INVESTIGATION WITH HAVING ALL THE FACTS NOT JUST BELIEVING THE COLLECTION AGENCY. COLLECTION AGENCIES DO LIE AND SHOULD BE REPRIMANDED TO THE FULL EXTENT.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-17 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: VA

Complaint narrative:
I am currently on  the REPAYE plan payin g $  XXXX  and my recertification application is due  XXXX / XXXX /  XXXX  . FedLoan Servicing is my loan servicer since I currently participate in the PSLF process.  FedLoan sent me message in FedLoans  paperless inbox on  XXXX / XXXX /  XXXX   requesting I send in my application to recertify my income fo r REPAYE. I  complied and submitted my recertification application to studentloans.gov on  XXXX / XXXX /  XXXX  .  FedLoan  acknowledged receiving my REPAYE recertification request on  XXXX / XXXX /  XXXX   stating they would inform me of any problems . FedLoan did  not tell me there were any problems with my recertification. On  XXXX / XXXX /  XXXX   I logged into my  FedLoan accoun t and viewed my new billing statement which claimed I now owed {$3600.00}. I received no paperwork regarding a new REPAYE payment amount nor any information regarding the status of my recertification application. I calle d FedLoan o n  XXXX / XXXX /  XXXX   and was told that my REPAYE recertification application was sent " too early '' and that it was closed out without any notification to me. The phone rep stated she would forward the matter to her supervisor and they would work with a loan servicer to remedy the issue. However, the phone rep indicated this is a lengthy process and I  may lose a month of payments toward PSLF. I f this issue is not rectified then I will owe an impossible payment of over $  XXXX . I had no way of knowing that my recertification application was sent too early as I was only following the directions of FedLoan Servicing to recertify my IDR plan in  XXXX .

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-18 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Hello, I have disputed this account with EQUIFAX several times about my  XXXX  account.  XXXX  sent me a  XXXX  in   XXXX  , cancelling the principal debt amount but they still show a balance on my EQUIFAX credit reporting. Each time they come back to me they saying it is " Verified ''. Like I mentioned above and will provide documents, I have disputed the balance several times.  XXXX  and  XXXX  both have already returned the balance to {$0.00} after sending a copy of my tax form for the year   XXXX   with the  XXXX  included. Once they ( Equifax  )  did not even respond to me but I had not sent anything with  XXXX , but the next time I did and I still did not get a response! This last time I sent the copies off my  XXXX  the copies of my  XXXX  and tracking numbers that correspond with  USPS tracking and the prior dispute letter as well as a new dispute letter demanding they follow thr u with the FCRA - also with mentioning that this was not a request for a  investigation.The  main issue is improper credit reporting from EQUIFAX still allowing   XXXX   to report a balance after sending me a  XXXX  but they did not respond to my last dispute for over 30 days and did not even update my credit file with a " dispute in process '' notitifcation. So this time  that I had the proper documentation that they did not respond to my dispute in 37 days ( more actually )  they updated my credit reporting saying it was still verified! This is AFTER I sent a   XXXX   and all other documents above proving that they had no responded as well as the  XXXX  again! I need help from the CFPB. I ca n't obtain my mortgage with this balance that still remains on my credit file that had been issued a   XXXX   XXXX   for over two years ago ... thank you for your time.     Attached :  XXXX  reference  XXXX  account -Copies of dispute letters and last dispute -Copy of  XXXX  and corresponding  USPS tracking  numbers -Copy of drivers license and Social security card for identification -Copy of EQUIFAX dispute results from over 37 day period of not responding to me initially

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-21 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: HIGHLANDS RESIDENTIAL MORTGAGE
State: TN

Complaint narrative:
I recently received my Annual  Escrow Account Disclosure Statement in the   mail and noticed that their is a 100 % increase in the PMI insurance that the institution is going to charge. This even though the  LTV is  at 81.7 % and I 've NEVER been late on a payment. I called the Customer Service number on the statement for an explanation on why there was going to be a 100 % increase in the PMI insurance but they advised they could n't help me that I 'd either have to fax or email a request to PMI department. I asked if there was a telephone number that I could call to ask this question and they said NO it had to be faxed or emaile d. WOW. I   proceeded to send an email but they have n't responded to my request for an explanation for the 100 % PMI increase so I 'm now filing a complain against them

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
Nanient is cla iming I owe them {$7000.00} on a contract from  XXXX   XXXX . I have called a minimum of 5 times to solve this as I do not believe this is legitimate. All with no resolve. On the last call I spo ke to a manager and   asked for proof that I owe this and when it was dispersed. He said they did n't have any paperwork except for the original master promissory note from  XXXX   XXXX  and did not know when it was supposedly disbursed. He did n't even know what school I attended or my graduation date. The promissory note was a paper I signed 8 years ago prior to borrowing any money or taking any classes. I have other student loans, all in good standing, with other companies. I did n't even know who they were until the letters started coming. I am not going to just pay someone {$7000.00} without proof of receiving it. I am trying to buy a house and this is now holding up the purchase and if not resolved quickly I will lose the house. I told them that if I owe it I will pay it once I am shown it is legitimate but every attempt had the same result, no one can show any proof that I owe the money to them but they ruined my credit with this. It is the only negative on my credit. I want it taken off my credit immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-18 00:00:00
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: GA

Complaint narrative:
During the month of  XXXX    XXXX  , I went into Fifth Third Bank to apply for a Unsecured Flexline load application ID #  XXXX . I was told that I had been denied of this loan and received a letter with alot of not true facts. For  one m y credit was  XXXX  which you only need a  XXXX , I have a car loan that has been paid off in full with a long length of credit. I dont have any credit balance on my credit repo rt. Fifth Third Bank turn ed my down but the next day  XXXX   XXXX  gave me a personal loan and a credit card,   XXXX   XXXX   XXXX   gave me a credit card as well. These banks was looking at the same credit report. Because who ever the underwriter was on my application didnt do their job.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-18 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: AZ

Complaint narrative:
We have made payments on time since the origination of our loan. However, every month we receive a late notice and they continue to pile up since  XXXX / XXXX / XXXX . We have documented proof of on time payments from our account to Ditech. When we contact  Ditech  to remediate, they give us a different reason for the issue every time and never fix it. Currently, we " have ''  5 late  payments, and they have marked are credit reports and are attempting to " foreclose ''. We contacted them early on  XXXX / XXXX / XXXX  regarding these errors and they said our account number was causing issues in receiving payment, it is now  XXXX / XXXX / XXXX  and they have not updated our account and have since issued to our credit report that we are in foreclosure. This is fraudulent and illegal, and we have contacted them every month regarding these issues, and still no resolve.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-19 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
On  XXXX   XXXX   TD  Bank charged me  XXXX  bounced check charges for transactions that were made fraudently to my checking totaling {$170.00}. TD was aware of the situation that my account was compromised and shut down my debit card.Yet they are charging me {$170.00} bounced check fees for charges that TD knows are fraud.Made a phone call to their customer service and told me they werent reversing bounce charges that i should be lucky that fraud charges got reimbursed.Very nasty and unpleasant conversation.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-04-21 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Grant & Weber
State: CA

Complaint narrative:
I am contacting you in desire need before i take legal action against a company that has placed a collection account on my credit. My concern like i advised the attorney i met with is that i have never received a notice from the company asking if the account was mine and if so work with me on some payment options .... be advised none of that has happened and the account is not mine, I have no knowledge of what is is for.     The attorney told me this is a violation of the FCRA and ha s sued Grant and Weber before actually a few months ago for this and similar violations.      I am requesting the following account be removed immediately if not a suit will be f ile in Federal Court.      Grant & Weber Account  Number   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 2017-04-20 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
I have been dealing with this nightmare for 9 months now.   I purchased  XXXX  mattress sets from   XXXX   XXXX  . They say if you do n't like the mattresses there is a full money back guarantee minus {$150.00} for pick up as long as all is handled within 30 days. I returned  XXXX  set to the tune of {$1600.00} and paid the {$150.00} for pick up.   XXXX   XXXX   had just this  XXXX  bed on it ... the other  XXXX  were paid in full at time of purchase. This was  XXXX   XXXX ,  XXXX . Come  XXXX  of  XXXX  I was in a dispute with    XXXX   XXXX  ,  who kept sending me to  XXXX   XXXX . On  XXXX   XXXX ,  XXXX    XXXX   XXXX      sends me a  XXXX  balance with a letter that copies off to  XXXX   XXXX   XXXX  Stop billing. It is now  XXXX   XXXX ,  XXXX  and   XXXX   wo n't stop billing me ... I have a past due balance of  XXXX  that they want to negotiate with me and keep  XXXX  on fees that I did not incur ... I fax them the full package of information every single month. No response ... just a new bill every month.

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 2017-04-19 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: HW Holding, Inc
State: CA

Complaint narrative:
My wife and I moved out of out of   XXXX   XXXX   last year. The apartment company claimed that they wanted more money to cover cleaning fees for the unit, however it was in good condition when we left. In addition, we had the unit professionally cleaned and provided  XXXX  with a copy of the receipt. My wife began communicating with  XXXX   XXXX  via email to resolve the discrepancy, but  XXXX  stopped responding to our emails in  XXXX . We received the move out  XXXX  final account ) statement on   XXXX   XXXX    We responded stating that it had appeared that we had been mischarged and pointed out the discrepancies. We received a response from  XXXX   XXXX  stating that they would review and revise and get back to us. They never got back to us. After numerous email follow ups, we visited the leasing office in person and spoke wit  XXXX   XXXX   XXXX   who assured us that   XXXX   would respond, but we still never got a response. We began receiving notifications from a generic, no-reply email alias from  XXXX  and tried to get in touch with them again about the errors, but received no response. Now we see that they have sent us to a collections company without even bothering to address our concerns. In actuality, based on our calculations,  XXXX  owes us a little over {$70.00}, but we were willing to forgo that amount if we could stop wasting time dealing with this issue. Now we hear that the collection agency has been harassing my in-laws for a debt that we have clearly disputed. The agency continues to call my parents-in-law about me ( not even my wife! ) and will not relent. The collection agency has yet to make phone contact with either of us directly, even though  XXXX  would have provided our contact information to them, and makes improper contact to individuals unassociated with this matter.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with non-monetary relief