vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-05-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
I have a  VISA Signature  credit card issued b  y Citibank.
I have enrolled for automatic payments of the minimum a  mount due to avoid late payment fees.     I usually pay the last statement balance to avoid interest charges.     The problem I am going to describe below is documented in a PDF file that contains a screen shot of the payments webpage of  Citibank  containing the pertinent information.     Yesterday,   XXXX   XXXX    2017 I lo gged in to the  Citi Visa w ebsite to pay my last statement balance. The webpage showed the minimum due, and the additional payment  ( {$1800.00} )  that had to be made to pay the statement balance  ( {$1800.00} ) . I submitted this additional payment, and the page showed " Remaining  Statement Balance Du e  XXXX - XXXX -2  017  {$0.00} ".      HOWEVER, JUST MINUTES LATER THE PAYMENTS PAGE ONLY ACCOUNTED PAYMENTS FOR {$1800.00}, WHICH TRIGGERS AN INTEREST CHARGE FOR PURCHASES.     I reported the problem at least 3  times ( and spent a substantial amount of time doing it ), and the agents always say that system shows that the minimum payment was not paid, which contradicts Citibank Visa own web page ( as you can verify in the above mentioned PDF ).      At the very least this is a software defect, and potentially it is a ploy to charge interest on purchases with the justification that the balance due was not paid

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 2017-05-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
In   XXXX   XXXX   Chase approved my application for the  XXXX   XXXX  credit card and I added an authorized user. In   XXXX   XXXX    ,  Chase  charged me a total of {$520.00} annual fee, which was {$450.00} for me and {$75.00} for my authorized user. Please see attached  XXXX  statement. In   XXXX   XXXX    , I paid the annual fee. Please see attached  XXXX  statement. In   XXXX   XXXX    , Chase closed my credit card. In   XXXX   XXXX    , I asked Chase for a refund of the {$520.00} annual fee and Chase refused. Please see attached correspondence.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: GREAT LAKES
State: NY

Complaint narrative:
I make my monthly payments on time to Great Lakes, however when I make my extra payments, Great Lakes misapplys these payments. They did this to me 2 times. I made  2 extra pa yments of {$50.00} dollars toward   XXXX   XXXX   on  XXXX  and  XXXX . Both payments got misapplied even though I provided Great Lakes with instructions in a certified letter on how to apply the payments.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: Fidelity National Information Services, Inc. (FNIS)
State: DC

Complaint narrative:
I am flagged with most financial institutions who deem my information a risk whenever I open bank accounts or try to cash checks. I would like to have intangible reasoning behind their discretion in blocking me within  n  the system completely or with limitations. I 've contacted them to no avail.

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 2017-05-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONSTAR MORTGAGE LLC
State: CA

Complaint narrative:
My wife fell sick in middle of  XXXX  this year. Doctors put her off work indefinitely to treat the cause of her sickness. Me and my wife are sole earners and we both contribute to pay for our mortgage. We contacted our mortgage company and informed them we will only be able to pay half of  XXXX  's payment.   We explained our hardship to the company and they suggested to apply for loan modification. We agreed and we were instructed to submit the paper work. It took whole month of  XXXX  to complete the required documentation. We were only able to pay half of  XXXX  month 's payment.   We were told it would take  30-45 days  to process the modification.   We got a letter from the mortgage company last week dated  XXXX   XXXX ,  2017 that  modification was declined because default not imminent / default status not eligible.   The reasons gi ven : 1 )  We are current on our mortgage ... .Where as we are {$5300.00} behind as  XXXX  statement.    2 )  Financial hardship not documented that reduced income ... .my wife gets paid less than half of regular wages from  XXXX  insurance.     3 ) We have sufficient net income to pay current mortgage ... ..We submitted our income and expenses report which showed our total expenses could not meet the income.
4 )   We have enough cash reserve ... ..We stated in the income report that we have less than {$500.00} cash in the bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX   XXXX   XXXX    (  XXXX   ) ,   XXXX   XXXX   XXXX  ,   XXXX   XXXX   XXXX   XXXX   XXXX   CA  XXXX , has just informed me, by letter dated    XX/XX/XXXX   , that my APR is to be raised, based on alleged " Serious Delinquency '' and " Amount past due on accounts. ''  XXXX  relied on an egregiously wrong  credit score  of  XXXX  by Experian. I have an unblemished record of payments to  XXXX   XXXX ,  XXXX   XXXX , since   XX/XX/XXXX   -- a half century ago ! Ibid.  wit h Visa and Mastercard.  I have never been refused a loan of any kind, including  1. a     XXXX   mor tgage loan on the purchase of our home. Payment of the mortgage is automatically made to  XXXX  from my  XXXX  checking account, an d 2.  a   XXXX   XXXX   XXXX   mortgage loan on a rental property which payment is also paid monthly automatically with funds drawn from my  XXXX  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 2017-05-08 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
My credit report is reflecting incorrect information with my  credit score  being affected due t o JC Penny reporting late payments on an account I had. I have reached out to JC Penny customer service directly and was told they would note my account and update their system and as a courtesy correct this. It has be  en 30 days and the i nformation is still the same with no correction on my credit report.

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 2017-05-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: PA

Complaint narrative:
There is a full deposition of the stamped fraudulent signature of  XXXX   XXXX  entered into a court case No. XXXX  In the United states court of appeals for the fifth circuit which is also stamped on our note this by law makes the note void

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
They denied me I sent many complaint cfpb does n't care if I become home les s u n eed to be more sgressiev e Wachovia is a  reason for my loan this loan was trouble since  2007  the invester for this loan should held accountable he sticked this fraud loan to me and now his having a good life and I have to suffer forgive this loan I have a  XXXX  husband I have enough to deal with loosing my home is a death 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 2017-05-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: FIRST CITIZENS BANCSHARES, INC.
State: MN

Complaint narrative:
XXXX   XXXX   sold their banks to  First-Citizen s Bank & Trust Company  ,  XXXX , NC. My direct deposit on  XXXX / XXXX /   2017 was not   received, causing an overdraft of {$37.00} and I was charged a fee to high for a program I was part of, paying {$7.00} a month fee. If I was over drawn I was charged an aditional {$2.00}. My account is {$190.00} overdrawn. Why were the ccustomers NOT notified.  <P/> I am changing to another bank and receiving a check from the company that pays me   2x a month.
<P/>  I was unable to go into my investment acoount to pull mony out on Friday  XXXX ,  2017. It was  too late in the day when I discovered  XXXX  was sold.  <P/> I had Banked with   XXXX   XXXX   for  10 years.

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 2017-05-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
WELLS Fargo  has repudiated a settlement after we paid the mortgage off in full.  <P/>  WF u nfairly charged us about 36 months of late payments.We fell behind  XXXX  months when l was very ill, receiving  XXXX   XXXX  treatments and could not work.    WF refused all our requests regarding help on this two month, such as adding it to the loan for a payment on s ale.  <P/> A  lthough this was one occurrence, Wells charged us about 30 late payments.
We were forced from our home of 23 years by Wells.On pay off we agreed with Wells they would remove the affects of their late charges. Wells removed about {$5000.00} in late charges and we paid the mortgage in full.
When we tried to buy a new house we found we could n't get a new mortgage, because Wells did not remove the late charges from our family 's credit repor  t, hurting both my wife and l.  Wells claims ( a ) it was a 'courtesy ' but.it was not we has told Wells a very similar case was lost in New York , it was necessary not a courte sy ... ( b  ) Wells Fargo now says they never promised to remove the 'late ' payments from both of our credit ratings. ( c ) this is disingenuous it was very clearly implied and meant ( d ) Wells is intentionally stopping us from buying a new home, as we ca n't get a new mortgage after their refusal to remove the late charges, and costs and rates are increasing ( d ) It costs Wells zero to do the right thing ( e ) Wells continue their unfair bias against us.   <P/> I need to settle my wife in  a new home urgently due to my poor health and age (   XXXX   ) Time is of the essence. WF must stop stalking us after we paid the mortgage in full.

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 2017-05-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I haved a mixed file on my transunion credit report  XXXX  bankruptcy

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 2017-05-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc.
State: MI

Complaint narrative:
In  XX/XX/XXXX   I was in process of planning a relocation from  XXXX ,  XXXX  to  XXXX ,   XXXX   for a new job. At that time my car insurance was with  XXXX   XXXX . I decided after inquiring to cancel  XXXX   XXXX  insurance in   XX/XX/XXXX  d ue to rate increase moving to   XXXX   to go with another insurance company.  XXXX   XXXX  processed a cancellation credit to my account on   XX/XX/XXXX .  The company then sent me a bill for {$170.00} i n  XX/XX/XXXX . I inquired as to what the amount was for and after being explained what this was for I paid the {$170.00} on XX/XX/XXXX .      In   XX/XX/XXXX , I rec eived a collection notice from Credit Collection Services  XXXX   XXXX   XXXX ,  XXXX , MA  XXXX . This notice was to collect a debt for  XXXX   XXXX  Policy number  XXXX . I immediately contact this company and informed them that they were mistaken this mater was paid, and sent them a copy of the bank statement showing the payment taken out of my account on     XX/XX/XXXX . They informed me that they would investigate and get back too me. I had not heard anything else from them so I assumed the matter was closed, until I received another notice on  XX/XX/XXXX   stating the same thing.     I contact   XXXX   XXXX   who informed me that they do not know how this was turned over and the sent me a statement showing the same policy number  XXXX  showing the amount paid on the date I showed this collection company. I faxed all this information to Credit Collection Services on   XX/XX/XXXX . On  XX/XX/XXXX , this company sent me notice that my documentation was not sufficient o r applicable to adjust my account with them. They are still trying to collect on a debt that is not owed. They are continuing to harass me and damage m y credit score a nd I do not think this is right, when I have and do pay my bills on time.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-08 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Vehicle was repossessed or sold the vehicle — 
Company: SpeedyCash, Inc.
State: GA

Complaint narrative:
XX/XX/XXXX , my l oan was brought fr om   XXXX   XXXX   XXXX   XXXX   by Lending Bea  r. I  was told that I would have 45 days to make a payment, by 30 days later they started taking money out of my account and than they just stopped. A couple months after that my car broke down and they repossed my car and started callin g me in  XX/XX/XXXX    saying that I owe {$3000.00} and that they were trying to contact me but I never received anything in the mail and tha t was the last time I received a phone call from them.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Portfolio Recovery Associates, LLC
State: MN

Complaint narrative:
Portfolio Recovery Associates  has placed a derogatory mark on my Credit Report without mailing me any information about this alleged debt. I have made numerous attempts to contact them to resolve this, Including several phone calls to several of their offices as well as over  10 letters sent via USPS.      When I call in and try to get more information regarding this account, I am transferred to numerous different people in different positions of the company, Including  2 dif ferent " Operations Managers ''. I have even tried to reach out to th eir Compliance officer via  mail to no avail.     After making no progress with phone calls, and no replies to any of my letters, I am forced to get the BBB and the CFPB involved.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: VA

Complaint narrative:
My account is current listed as being delinquent despite the fact that I have continued to make payments, even in excess of the minimum amount due. For some reason, for the the pa st three months my payments have been misapplied to loans that were consolidated years ago. I 've contact FedLoan four times by both phone and e-mail over the last three weeks and this still has n't been fixed. I honestly do n't know what to do, despite paying on-ti me and in excess of the minimum payment I 'm still delinquent and ca n't get anyone to help me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
On XX/XX/2017 at XXXX ( EST ), I attempted to deposit a check from a very credible company and a client of mine, in the amount of {$250.00}, through the ATM at the Wells Fargo XXXX XXXX , FL . When the check was inserted into the ATM machine as instructed, an advise appeared on the screen which said " unable to accept this check due to a system error ''. At that moment, the deposit was not accepted but, the check was not returned to me. I attempted to get help from the branch manager. However, he did not want to get involve. He suggested to call the corporate office. When I contacted the corporate office ( XXXX ) the lady gave me a reference number ( XXXX ) and told me that they would look into it. However, as of today, no one has contacted me on this issue ; the check has not been returned and the {$250.00} deposit has not been posted to my 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 2017-05-08 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Bread Financial Holdings, Inc.
State: MI

Complaint narrative:
I purchased a mattress from  XXXX   XXXX  which was delivered on  XXXX / XXXX /  XXXX  . After taking delivery I noticed that there were stains on the side of the mattress and contacted the company several times by phone. At their request, I emailed them pictures on  two  occasions of the stain. No response was received from  XXXX   XXXX . I disputed the charge with Commenity Bank who I pay to for the mattress. There investigation concluded with  XXXX   XXXX  falsely stating I have never contacted them regarding the stain. All supporting documents are attached and phone records of calls made to the store can be made available as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: MI

Complaint narrative:
Without notice,  XXXX   XXXX  sold my mortgage to a company calle d Loancare. Thus far I have had an impossible time making payments, as though they want me to defa ult on my loan! Despite having setup auto pay and schedule d one time payments none of them are being applied! Despite their " website '' stating otherwis e. Customer agents have no clue as to what the status of my payments are as they use the exact same poorly designed and outdated " website ''.     This company has no business handling my loan and their actions are bordering on discriminatory as I am a  XXXX  American and this issues are causing me great distress!

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 2017-05-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have opened numerous complaints with this agency only to see them " CLOSED and FILED '' upon receipt of a response be it inaccurate, incorrect or outright lies. Currently my wife are undergoing financial hardships brought about by incorrect, untimely reporting! Trying to reach any of these bureaus is a farce. I understand they are now under the control of   XXXX   XXXX   XXXX   but frankly same old, same old. A review today of my " protection ''  XXXX  -placed by the  HR Department of the United  States Governmen t indicates the reports still reflect incorrect information and wrong information has not been corrected. I h ave filed with  the CFBP Ombudsman and Vice Presidents office for  help but to date nothing!

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 2017-05-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have opened numerous complaints with this agency only to see them " CLOSED and FILED '' upon receipt of a response be it inaccurate, incorrect or outright lies. Currently my wife are undergoing financial hardships brought about by incorrect, untimely reporting! Trying to reach any of these bureaus is a farce. I understand they are now under the control of   XXXX   XXXX   XXXX   but frankly same old, same old. A review today of my " protection ''    MYID.com -p laced by the  HR Department of the United States Government indicates the reports still reflect incorrect information and wrong information has not been corrected. I have filed with the CFBP Ombudsman and Vice Presidents office for  help but to date nothing!

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