vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-12-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC
State: OR

Complaint narrative:
I have used the paper payment coupon for my mortgage. 
I have indicated on the " additional Principal '' line the amount that should be applied. 
I have also indicated the XXXX XXXX XXXX payment amount and additional principal amount on the memo line of the check. 
Each check is for full XXXX XXXX XXXX plus extra Principal. {$1200.00} XXXX XXXX XXXX plus {$30.00} = {$1300.00} Prepayment of principal occurred XXXX XXXX XXXX Check XXXX XXXX, XXXX ( Check XXXX XXXX and XXXX XXXX XXXX Check XXXX XXXX. 
XXXX XXXX statement reflect the XXXX months of prepaid principal ( XXXX x XXXX = XXXX ), as unapplied partial payment, so instead of the required {$1200.00} XXXX XXXX XXXX  payment, it 's {$1100.00}. 
I would increase the prepay principal amount, if it was properly account for. 
Why are they not letting me prepay my mortgage monthly?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge 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: CA

Complaint narrative:
I was contacted by XXXX on XXXX/XXXX/XXXX concerning charges that they identified as potentially fraudulent in the amounts of {$59.00} and {$400.00} and I confirmed that these were, in fact, fraudulent. They closed the account and I thought that would be the end of it. A couple of weeks later I went in to find that the charges were in fact still there and I was told that I needed to contact the fraud department to get them removed. I did this twice -- only after the second time did they send me the necessary paperwork to remove these charges. I returned the paperwork and checked back a week later to find that not only have the charges not been credited but that they had erroneously CHARGED me for the amount that should have been credited. Additionally, the date of the charge had been backdated as this had n't been processed until at least the second week of XXXX but the charge was datedXX/XX/XXXX. This left me now with an outstanding balance of {$910.00} -- double the amount of the original fraud -- with the second charge having a fraudulent date of XX/XX/XXXX entered by XXXX XXXX. 

I discovered the error on Monday, XX/XX/XXXX and called and after speaking to three people on that call was told that the matter would be resolved immediately and I should see the charges gone by the next day. It is now Friday, four business days later and it is still not resolved. When I called, it appeared that it was n't resolved on Monday and that I needed to speak to the fraud department again. At this point, I have spent close to 4 hours not only attempting to resolve the original fraudulent charges but also the erroneous and fraudulently dated double charge from XXXX. At the time that I am writing this, the issue has not yet been resolved. 

There has been no good faith effort on their part to resolve the issue and if I were n't someone who frequently checks their accounts, this easily could have resulted in additional penalties. While I understand that errors do occur, their lack of effort regarding resolving the issue that they created is my primary complaint. I have had other cards fraudulently charged and the issue remedied in 24 hours. We have now gone over a month and not only has n't the original problem been solved but I was then fraudulently charged ( not just in error as it was also falsely backdated ). I was told today that this should now be resolved and I will check again next week but wanted to ensure in the meantime that a ) no one else would have to go through this, b ) be refunded the full amount of my annual fee of {$150.00}, and c ) receive payment from XXXX in the amount of {$380.00} ( my billable rate of $ XXXXhr x 4.5 hours the time spent resolving this ) at MINIMUM.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-12-22 00:00:00
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Account information incorrect
Company: AES/PHEAA
State: CA

Complaint narrative:
I was in an approved forbearance/deferment with XXXX related to a private student loan originated by XXXX. XXXX ' policy ( updated in XXXX ) specifically states that loans that are in a forbearance/deferment are not reported as late on the borrower 's credit report. Despite this, XXXX has continued to report the payments during this period as late which has significantly impacted my XXXX XXXX. The loans are now in a regular repayment schedule and are paid as agreed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-22 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Persolve, LLC - Legal - Series 2
State: CA

Complaint narrative:
ear Sirs/Madams On the XXXX of this present month I received a note from the XXXX with a levy in my over drafted savings account, forXXXXXXXX I am retired and receive SS benefits {$800.00} x month, I am XXXX years old I had have filed for bankruptcy I had been living under XXXX stamps I had been received Medical benefits I am living in the poverty level I received this ; XXXX : XXXXXXXX XXXX XXXX  XXXX & XXXX I have not idea what is all about, I do not owe anything, that is my understanding I am afraid and do n't know what to do, please I need help, thank you for your time XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XXXX a withdrawal of {$40.00} was made from our account at a Chase bank. It was not done by either person on the account and neither of us has lost our debit card or our IDs. The person was allowed to withdraw money without having even having the account number. When we saw the withdraw that day we called customer service and we were told we needed to go into the branch but they would not tell us which branch so we hung up and called again and the second rep told us which branch. On XXXX we went into the branch to file the claim and we were told that anyone could take out the money without ID, it just depends on the teller. They said they would get back to us in 5 business days and for us to take the money out of the account until there was a resolution. They also told us that we would only get to see the footage if we filed a police report. We filed the police report with the XXXX XXXX county sheriff. On XXXX they charged us a {$12.00} fee because our balance was below XXXX since they told us to take the money out. We called Chase back on XXXX and they told us it would take 30 days and that we would not get the fee reversed. And on XXXX we called them again for an update and we were informed that our claim was denied because the signature on the withdrawal slip was similar. They did n't even bother to call us. The teller said no cameras were checked and they only went off the signature. So this person walked in with no ID, no proof of address, no account number and walked out with our money and Chase wo n't even check the cameras but they will charge us a fee for doing what they recommended.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-12-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
I apply for my XXXX credit report annually via XXXX. For the past 3 years I have been unable to access my XXXX Credit Report through XXXX. Per XXXX, it is an XXXX website problem. As there is no telephone number that allows me to speak to a person, I must e-mail XXXX, which I have done numerous times over the past 3 years. To date ( XX/XX/2017 ) no response. I suppose that I could request a credit report by phone through XXXX, however, that seem to defeat the purpose of XXXX. Would you be so kind as to assist with my proble. 

Thank you. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
In 2010, Bank of America offered me a new Home Owners Assistance Mortgage Program, set forth by former President XXXX Obama b/c I was 2 months after being in my loan for 7 years on a 30 year fixed loan. They told me to stop making payments, & would n't accept payments until I was approved. 

Bank of America sent me loan documents outline the new terms of my loan, transfering from a 7 % to a 2 % for the 1st 5 years, then year 6 = 3 %, year 7 = 4 %, year 8 till close = 5 % ... and my two late payment would be pushed to the back end of the loan extending my term an extra 2 months. 

The Loan was sold to XXXX immediately after approval, and then to XXXX. 

This year XXXX sent me a payoff history, and future payments where I realized I still have 30 years left on loan, I asked XXXX " why do I have 30 years left on loan, when I have a 30 year loan & been making payments for 13 years already? '' XXXX responded, " They acquired the loan and the terms of modification re-set the loan clock back to 30 years again. '' I said, " No it was supposed to be 2 extra months. '' They told me to " refer to my loan modification document which explain this. '' I reviewed my loan modifications documents, and it states " the loan is to be extended to cover the late payments, about 3 months '' ... also the same as to what I was told on the telephone, not add anxtra 7 years aka {$72000.00} extra.

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 2017-12-22 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: Navient Solutions, LLC.
State: IL

Complaint narrative:
1 ) Before I went into repayment, I made a payment online ( {$2100.00} on XXXX/XXXX/XXXX ) and designated it go towards the 2 loans with the highest interest rate. The next month I checked and the loans still showed 'active ' but the payment was received. A month after that, I checked again and saw the funds were NOT applied to the loans designated for the money to go towards, but the entire balance. I DO have a screen shot of my payment and the loans it was designated towards as well as the confirmation number. I called Navient and they said someone would call me back regarding this matter, and as of 4 weeks later, nobody has contacted me. Navient purposely makes it hard to repay your loans, because if I pay the highest interest first, they do not make as much money. I will share any correspondence that I have an am interested in joining any lawsuit against them that pertains to misappropriation of payments made. 

2 ) Became unemployed XXXX/XXXX/XXXX and was told I was approved for deferment, received a letter and an email. I received a bill in the mail with a balance due, so I called and was told that I was on deferment, and that I needed to do nothing. I then have been receiving calls, and when I called back I was told that I need to provide proof of unemployment. I have been out of work for 3 months, and have been accruing fees because of non payment. Online, 2 loans show they are past due and need payment, and the rest are " payment due '' but have not been placed on deferment or forbearance. I was not told that I had to upload any documents, but when I called she let me know. Today I uploaded the UI document, and received a pop up message that my account will be updated in 10 days. I will wait and see, I guess. 

Navient needs to be held accountable for their illegal actions. Had I not checked or had a screen shot of my payment showing the loans I designated for payment, they would get away with it. This probably happens more often than not, and with the current financial aid repayment climate, this needs to be stopped immediately. The 6.8 % loans that I paid off would have an impact on the total that I would pay off in interest

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-22 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
I am a XXXX veteran that closed on a HELOC loan for $ XXXX in XXXX 2006 with XXXX XXXX XXXX. The loan was sold to Bank of America and my monthly payment is {$420.00}. I tried to refinance the loan through a few credit unions for veterans and have no success. Currently the loan is in a foreclosure status due to my unemployment. I have a buyer for my home and need for BOA to stop the foreclosure fees and process, and they are unwilling to do.

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 2017-12-22 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: TD BANK US HOLDING COMPANY
State: TX

Complaint narrative:
XXXX in violation of my cra showing a late payment never late with Nordstrom XXXX has fixed it but XXXX has not

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: STEWARD FINANCIAL SERVICES LLC
State: FL

Complaint narrative:
I recently received a copy of my XXXX credit report. The credit report showed a credit inquiry that I do not recall authorizing.

Company response to consumer: Untimely response
Consumer complaint received 2017-12-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
-vehicle was towed -on date vehicle got towed registration expired so i could n't get it out only the lien holder who had title due to rules at tow yard -the lien holder who navy federal credit union -the tow company sold vehicle -navy federal is trying to not accept responsibility by saying i still must pay for the car -in addition they claim they never got a title which is a lie due to the fact the dmv has proof of electronic title -also navy federal stated that they never received mail from tow yard stating car was there which is a lie post office has proof of delivery -then are trying to give me a rake hike due saying the do n't have title -i am stuck with no car and having to pay for car plus cant get another car

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Exeter Finance, LLC.
State: FL

Complaint narrative:
I recently received a copy of my XXXX credit report. The credit report showed a credit inquiry that I do not recall authorizing.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I recently received a copy of my XXXX credit report. The credit report showed a credit inquiry that I do not recall authorizing.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-22 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Didn't receive terms that were advertised
Company: REGIONS FINANCIAL CORPORATION
State: TX

Complaint narrative:
I received a promotion offer of 400 $ for opening a new checking account with Regions Bank in XXXX XXXX. I have met the opening requirements for eleven months and have not received the bonus of 400 . I have called and visited their customers service for more than times and they told me I qualified the promotion offer and met all the requirements. But I have not received the bonus to date. Therefore, I am requesting Regions honor the offer and award the bonus to my account. Thanks.

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 2017-12-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: JPMORGAN CHASE & CO.
State: IA

Complaint narrative:
This is a recontact from previous CFPB complaint ID XXXX. Chase indicated in that response that " they are unable to process payments from my XXXX account as it is neither a demand deposit account nor a checking account ''. This is a false and inaccurate statement. My XXXX account is both. I have my payroll direct deposited there, it as an account number, a routing number. I have numerous other bills set up as auto pay through that account and no other company has ANY issues pulling my monthly bills. Additionally, Chase is false as they HAVE pulled from this account on numerous occasions. Given that sometimes I have to call and practically beg the reps to do it causing delays. They just ca n't seem to get it right. Additionally, they stated that they tired to process payments from the XXXX XXXX XXXX. This is also a false statement. I have confirmed with Chase on multiple occasions that they were provided the correct account information to pull the payment. Also, I have followed up with XXXX who confirmed that at no time nor on the dates Chase provided did Chase submit any such payment requests to them. Chase is being dishonest in an attempt to collect additional fees from me and they are destroying my credit as well. I should not have to pay over priced XXXX XXXX fees just to make my payments when Chase offers the option to pay online and ca n't seem to process my payments. I have attached proof that Chase has pulled from my XXXX XXXX account over the last few years. They make this process difficult for me as they can charge me daily on my late payments. They have taken advantage of me over the years due to me being a single mother. I have told them over and over again that I am on a tight budget and their constant inability to pull my payments and charging me additional fees and reporting negatively to the credit bureaus hurts me and my family. They do n't seem to care. They need to fix this. They are being dishonest. I want my credit fixed, I want their assurance they will pull my payments as scheduled and I want a refund of late fees and my last XXXX XXXX fee. I am not scheduling anymore payments with them until this occurs as it is XXXX to do so, they do n't process them anyways. Please fix this CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-22 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: National Principal Group, LLC
State: TX

Complaint narrative:
I have received numerous calls from various telephone numbers, this company is now contacting my family as well. They left a voicemail stating " if we can not verify this information through you the law allows us to verify information with all references on file ''. 
Upon research it appears this company is a scam, they advise individuals they have a debt for a payday loan, I have never had a payday loan ever.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: FC HoldCo LLC
State: FL

Complaint narrative:
I recently received a copy of my XXXX credit report. The credit report showed a credit inquiry that I do not recall authorizing.

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 2017-12-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: MD

Complaint narrative:
Around XXXX and XX/XX/XXXX Freedom Mortgage was almost late paying my property taxes as I received a correspondence in the mail stating that they have not received payment and that if its not sent by a certain time I will incur a penalty. Also on XX/XX/XXXX I sent in a wire transfer of {$850.00} to Freedom and have yet to apply the payment to my account which is causing me to be super late with my mortgage payment. This company has some of the worst customer service and are not willing to assist you in trying to resolve any issues. I asked to speak to there superiors but they claim they would n't be able to help me and they will tell me the same thing they told me. Totally unacceptable with this company.

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 2017-12-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
My XXXX balance on my Citibank XXXX XXXX was due on XX/XX/17. Unfortunately I did n't process a payment until XX/XX/17, at which time I paid off the prior balance in full. 

As I expected, I had to pay a {$39.00} late fee as well as interest on the XXXX balance. However, unbeknownst to me, Citibank decided to create a " revolving balance '' for the month of XXXX, and charged me interest on the following statement as well. Even though I paid off the entire XXXX balance on time, I was assessed another interest charge on my XXXX statement as a result of this " revolving balance. '' When I contacted Citibank, they told me that this is standard practice in the industry. After some back and forth, they finally agreed to credit me back the interest that they charged me for the XXXX balance ( that I had already paid in full ) as their way of being courteous. 

If this practice is indeed now an industry standard, it is extremely predatory and should be regulated.

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