vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-04-28 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Williams & Fudge, Inc
State: TX

Complaint narrative:
I had a private student loan for the appx amount of XXXX dollars with XXXX XXXX XXXX in XXXX. The loan was sold to Williams & Fudge , Inc when I was not able to come up with a payment plan. XX/XX/XXXX I found employment and made a payment plan with Williams & Fudge to pay {$60.00} every 2 weeks for a total of {$120.00} per month. I paid this amount for the remainder of XX/XX/XXXX all of XX/XX/XXXX, XX/XX/XXXX and thru XXXX XXXX. I requested an interest statement from Williams and Fudge in XX/XX/XXXX to file my taxes they referred me to XXXX XXXX XXXX, I called them and they said when they sell a loan to a third party collector there are is no longer interest on the loan. I called Williams and Fudge back and asked why after 3 years of payments my balance was not going down they said due to the interest and additional fees. I immediately stopped the semi monthly draft and would like this to be investigated. I will never get the loan paid off and can not afford to pay the {$1000.00} per month that they are telling is required to reduce the balance. I recently received an interest statement from them showing that I paid interest on this school loan. It is all very confusing.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-05 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: Global Lending Services LLC
State: CT

Complaint narrative:
I bought a new car XXXX 2013 From a car dealership out of the state, I live in XXXX bought the car in XXXX. 
I was told that the total amount of the car was a little over XXXX .I asked if that included The high interest rate and she said yes. 
I asked why were the payments so high XXXX monthly, She said I could pay it off in 3yrs. I agreed and never looked at the contract until 2 months ago only because I thought I would double up on the payments so I would pay off the car before XXXX. I called the bank and they told me that the car which sticker price Brand new is about XXXX, I was paying XXXX. That was not explained to me. I would have never paid that much for a 2013 Hyundai Sonata. Have paid over XXXX For this car. I ca n't pay another XXXX. 
I need help.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-29 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
In XXXX, Citizens One Home Loans closed my home equity line of credit for further use. In XXXX I paid off this line of credit. Their Lien Release Department never released the lien from my title. I am in the process of refinancing my mortgage and ca n't do so until the Certificate of Satisfaction is filed. This was requested XXXX XXXX, XXXX. On XXXX XXXX, I was told they were in the process of preparing the certificate. on XXXX XXXX, XXXX, I was told it was not done. How do I get them to clear my title? I have requested a Pay Off Statement, but since I do not owe any money, they will not do this. I can not close on my refinance until either the Certificate is file, my title is cleared, or I receive a XXXX payoff letter. Every day I call an am told someone will call me back but no one ever does. I understand it can take months for the jurisdiction to record the document, however, I ca n't get Citizens One to even file the document.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-29 00:00:00
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
I went to a local Wells Fargo branch office to close out my accounts on XXXX. I was told that my WF Credit Card and Savings Accounts were closed, but there was a federal regulation that prevented me from closing my Checking Account until after the next account cycle ended on XXXX. This seems strange since I had cancelled all activity on this account but decided to leave it alone. I was finally able to close my Checking Account by calling customer support, however, the Savings Account that was confirmed closed on XXXX is still open as of XXXX with a {$50.00} balance that I ca n't withdraw because the account is " Pending Close ''. 

I do n't understand : 1 ) Why Wells Fargo would not close my accounts when I requested them to be closed 2 ) Why Wells Fargo refuses to allow me to fully close/withdraw the remaining funds from my checking account.

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 2016-07-09 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: RI

Complaint narrative:
I applied for a Home Affordable Modification with Wells Fargo on XXXX/XXXX/XXXX because I could not make the payments required and am three months behind. The response came back that I was approved for the modification and had to make three trial payments of {$3100.00} starting XXXX XXXX, XXXX - this is my current payment which I ca n't afford. The reasoning which I believe got me into this mess when we purchased in XXXX XXXX, is that our monthly household income is {$16000.00} - I WISH IT WAS! My husband and I do have a business which is a partnership and per our Home Preservation Specialists XXXX XXXX, our income is based on the Gross Income of the business and not what the XXXX show or the amount of {$5300.00} we submitted on the Income/expenses for household form we submitted with the loan modification paperwork. They are n't even taking in consideration the expenses of the business or the information provided to them on IRS Form XXXX or the income statements of the business we provided. In the year-to-date income statement we provided for the business our net income for the period ending in XXXX XXXX was {$14000.00} which has to pay for XXXX judgements against the company and past due bills dating back to XXXX that includes payments to the IRS. 
I do n't understand how they can come up with this conclusion when at the end of XXXX, I submitted paper work for a loan modification because we were 6 months behind and fighting foreclosure and they approved our loan modification. Our monthly payments were {$3100.00} prior to the modification and the approved mortgage modification lowered our payment to {$1900.00} which was more manageable for 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 2016-06-11 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
I had XXXX accounts with Navy Federal Credit Union. They have added XXXX to my credit reports under different account numbers. They have also re-aged these accounts.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-06 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: ID

Complaint narrative:
Hello, I requested a loan modification to Wells Fargo Bank because my husband had XXXX XXXX and needed XXXX and XXXX, so our income was going to drop. Wells Fargo Bank reviewed my case and stated that because the investor, XXXX, only allows XXXX loan modification every five years, they denied my request. I appealed this decision citing this court case ruling, " Other courts have also ruled that HAMP gives homeowners contractual rights to sue their bank when they fail to establish permanent loan modifications for eligible borrowers. See XXXX v Wells Fargo Bank , N.A . XXXX XXXX XXXX ( XXXX Cir. XX/XX/XXXX ), XXXX v. Wells Fargo Bank, N.A., XXXX XXXX XXXX ( XXXX Cir. XX/XX/XXXX ), XXXX v. Wells Fargo Bank N.A., XXXX XXXX XXXX ( XXXX Cir XX/XX/XXXX ). '' Wells Fargo Bank denied my appeal. This ruling states that that Wells Fargo Bank must approve a loan modification when I qualify for one. Please help. Thank you. 

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 2016-04-24 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
This is in regards to Wells Fargo Bank NA. Continued repetitive calls, a couple of representatives used profanity, constantly calling from different numbers, and after explicit request of not to call during certain times I still receive calls during such times and debt collector claims to have no record of it.

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 2015-07-22 00:00:00
Product: Payday loan — 
Issue: Can't contact lender — 
Company: Alliant Capital Management LLC
State: GA

Complaint narrative:
The company, Alliant Capital Management LLC, harasses me by telephoning my cell and work numbers and my relatives continuously. The messages left on my phone has been " this is a courtesy call, documents are being filed today in court against you ''. I did not return their unwarranted calls after viewing the company 's reputation on the Internet. If was only after my relatives complained about the calls that I called them back. I insisted that the company needs to be send me a letter concerning any alleged debt to my home address via US Postmaster. Instead, I received an email stating that I had agreed to a payment plan and that they had my bank account information. The email mentioned the original creditor of " XXXX '' which I found out was a payday loan company which is illegal in my state of residence of Georgia. I am sending a certified letter today prohibiting further contact from this company by phone calls. Also, I clarified that I dispute the validity of the alleged debt. In addition, I notified my banking institution of possible fraudulent behavior.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-09 00:00:00
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: Rosebud Economic Development Corporation
State: CT

Complaint narrative:
Zoca Loans is not licensed to do business in CT. Per CT statue Conn. Gen. Stat. 36a-563 et seq.Usury act applies or small loan act applies. The can only charge 30.03 % interest. {$11.00} per {$100.00} up to {$1800.00}. They are charging $ 769.35 % 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 2016-04-14 00:00:00
Product: Money transfers — International money transfer
Issue: Money was not available when promised — 
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
I was trying to wire money from Wells Fargo Bank ( WFB ) in XXXX, Arizona USA to XXXX XXXX , XXXX XXXX . It finally got there after three weeks plus. A similar wire from another Arizona Bank to XXXX had taken a couple days. 
The confusion and incompetence at WFB were unacceptable causing XXXX and loss of money.

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 2016-04-24 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: ENOVA INTERNATIONAL, INC.
State: ID

Complaint narrative:
Back on XXXX XXXX I made a payment plan with CashNetUSA and was told that as long as I made a payment of {$38.00} for the next year that I would be good. Well that was nor not the case on top of the {$38.00} payment that I made they said they were to take out another {$100.00} on the XXXX.I never agreed to this. After calling them I am told and I also have an e-mail saying they do n't have to disclose any terms and conditions of the Loan. I want this loan written off cause I was never made aware of the terms and conditions of the payment plan. I was told that I would make a {$38.00} payment for the next year to get the loan paid off I never agreed to have them take out an additional {$100.00} a month on top of that payment

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-22 00:00:00
Product: Credit card — 
Issue: Other fee — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
i am being charged $ XXXX monthly service fee with a {$0.00} balance on my account. No statements received

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 2017-01-22 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
Hi. I 'm a young guy and have XXXX credit cards, using them responsibly to build a good credit history. I have never missed a payment, and always pay in full. But, I 've since realized that one company, CitiBank, has been manipulating my balance by not applying cash rewards through statement credit as a valid payment. For example, if my statement is {$100.00} dollars, and I pay {$90.00} through a payment and {$10.00} from a statement credit cash back reward, they do NOT count my statement as paid in full. That means at the end of the month I get charged interest on the entire {$100.00} because they chose not apply the statement credit as a legitimate payment. There is nothing that clearly states this when using the statement credit ; the terminology and wording is abstract and not specific. Besides this being a practice that should be outlawed anyway - as it 's clearly an attempt to squeeze interest charges out of card-holders.

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 2017-01-27 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I am very concerned about a late payment that is still showing on my credit report fro my CITI card which I opened around XX/XX/XXXX. In XXXX or XXXX this card was fraudulently used at a gas station without my knowledge. I have not used this card before nor had I incurred any sort of balance that required my attention. I was very shocked and confused when I tried to lease a car and was told I had a recent late of 30 days showing on my credit report for XX/XX/XXXX. This was fraud and I called Citi and was assured by them that this was not my fault and the late that are showing on all three of my credit reports would be mended to show current and never late. I received a new card and have this card at home in a safe. Please, i need this awful late payment removed from my reports because I have a business and require my personal credit as collateral at times. I was not responsible for the late payment and the associates an date management assured me many times that the 3o day showing on the reports would be updated to show current/never late. 

Thank you, 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 2015-05-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
After my wife and I divorced in 2013, she signed a quit claim deed and made sure the divorce decree noted she was relinquishing her rights to the house. 
I then spoke with Citimortgage, my mortgage holder, who gave me the option to complete a loan modification. After filling out the paperwork and sending all the required documents, including the divorce decree and the quit claim deed, the Citimortgage auditor considered me for the modificationAfter review, the modification was approved. Because the mortgage was behind in payments, the mortgage was reduced {$100.00}. Due to my ex wife filing bankruptcy, I was left with too much debt, so I too filed. CitiMortgage also had knowledge of this information during the modification orocess. 
Back to the home, I again was ordered to pay a {$100.00} reduction for 30yrs at the same purchase price. Keep in mind Citimortgage being part of the lenders responsible for the housing crash, some involving good people. The purchase price was XXXX and the current value is XXXX. 
CitiMortgage sends me the paperwork for this " lemon loan '' and I need to have my ex wife sign. I spoke with Citimortgage and discussed she would not sign and I thought the quit claim deed and divorce decree handled this situation. My ex wife was still on the loan paperwork and therefore needed to sign. 
I was told by a Citimortgage representative on the phone that this was a regular occurrence. 
I just want others to have access to this information. I think Citimortgage should be ashamed of this process but they blamed it on Consumer Finance Protection Bureau. CFPB, please look at your regulations with these banks. CitiMortgage is still allowed to mortgage overpriced homes, foreclose hiding behind your rules, and going on like nothing has happened.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-22 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: TRUHOME SOLUTIONS, LLC
State: MO

Complaint narrative:
In XXXX XXXX, my mother and I closed on a refinance on her property. Since then a lot has changed. The mortgage was sold to TruHome without any notification to either mother or myself. There was also a Hardship Application we could file in case of hard times. Now TruHome is refusing to follow through with the Hardship and wanting to scam or steal the property my mother has lived in for over 50 years. They say I now do n't have anything to do with it and my loss of employment will not count on the Hardship Application. The person I talked to on XXXX XXXX, XXXX stated they just received the Hardship Application when I have proof in print that the paperwork was received by that same office on or before XXXX XXXX, XXXX. It is clear that they are lying and are clearing trying to take the property for no reason but for their own profit with no regard to the XXXX XXXX XXXX woman in not good health on the street.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-02 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
Please be advised that this complaint involves Citibank and my previous complaint case # XXXX. Please note that the person named answering the previous complaint XXXX XXXX XXXX XXXX is not the party that actually answered my complaint through the CFPB. I spoke with XXXX XXXX today on XXXX different occasions, where she stated she XXXX ) Is a private contractor hired to help out the Agency and Trust Department of Citibank XXXX ) She is not an employee of Citibank NA and XXXX ) she just returned from being out of the office for an extended period of time. At approximately XXXX I was contacted by XXXX XXXX colleague at Citibank, XXXX XXXX in California who claims she is a VP of the Agency and Trust Dept. at Citibank. She informed me that XXXX XXXX is not an employee of Citibank and there is no way that XXXX XXXX could have answered a complaint from CFPB since she is not an employee of Citibank NA. She stated she would forward my emails to XXXX XXXX to XXXX XXXX at XXXX XXXX. A consumer/homeowner should not be led to believe that a specific person from any bank entity is the party responding to a complaint, when in fact they are not the party at all responding. I have conversed with XXXX XXXX XXXX time today at XXXX and I have conversed with XXXX XXXX on XXXX separate calls today at XXXX. While there is no harm committed with regard to their response in that I should contact XXXX XXXX at XXXX XXXX, it is still misrepresentation that I am being led to believe that an accountable party from Citibank is supposedly answering my complaint, when in fact this is not the case. The fact is that someone else wrote the response and attached the private contractor XXXX XXXX XXXX XXXX to the response to my complaint. I would think this is a clear violation of the consumer protection law. Again, nothing is as it seems. The deceptive web is a finely engineered model, and its intent is clear. I do not blame XXXX XXXX, for how could she have possibly known without my contacting her! There has to be some accountability for this mistruth somewhere though! 
Thank you. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-08 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A.
State: MS

Complaint narrative:
I purchased this home due to tax ( XXXX ) I have reached out to the mortgage company for a remedy they have been uncooperative in providing me a clear title to the home # XXXX nor can Citi provide any original loan documents as the origination branch was closed. I was told bye the collection agent there was no proof of the loan via documents

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-10 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CITIBANK, N.A.
State: TN

Complaint narrative:
I make my mortgage payments online. I always save a copy of the confirmation of my payment on my computer. For years now my mortgage company has delayed processing my payments by 2 or more days from when I requested the payments to be processed. Can my mortgage company charge me interest on these extra days?

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 2016-06-21 00:00:00
Product: Credit card — 
Issue: Transaction issue — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I received and activated Citi Costco Visa card. It was supposed to replace XXXX XXXX card. My XXXX card stopped working and Citi Visa although activated successfully - is being declined by all merchants. All calls to Citi result in the message : " We experience a large volume of calls. Call us back some other time ''. I tried calling and emailing Citi for last 24 hours to no avail. I am traveling today and unable to pay for food, transportation, lodging or basic necessities as I traveled with only XXXX and Citi cards.

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