vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-05-19 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: AES/PHEAA
State: CA

Complaint narrative:
I submitted an income-driven repayment plan re-application through  XXXX v on   XXXX   XXXX   XXXX    . I heard nothing from them until   XXXX   XXXX   when they said my re-application was on hold. Then on   XXXX   XXXX   they said that could not process it, without giving a reason. Then on   XXXX   XXXX   they said my re-application expired.   This seems like they deliberately delayed processing until the last possible time, they failed to tell me what was happening and why they made the decisions they made, and they did so in such a way so that I had no time to do anything before my re-application expired.   These kind of communication tactics harm borrowers and seem to be a deliberate delaying tactic to confuse borrowers and deprive them of their rights of appeal.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
i had call wells fargo bank back when i get hurt at my job  XX/XX/XXXX  but i call around  XXXX / XXXX / XXXX  to tell i get hurt on the job if i can have a do payment plan bacause i was work 's comp i could n't paid the full payment they said i could n't do have payment plan i told i would what give sent   XXXX   or money i had Then start they never sent me letter until resent harassment me by leaving note on door later at nigh  XXXX    XX/XX/XXXX  and    XX/XX/XXXX  then call wells fargo talk to   XXXX   XXXX   she rude to me then said she did n't care what kind of problem or injury i had to paid my credit card that 's my problem i tell have do n't have job that i was injury she said you get to paid it that 's your problem!!! I told them i try work out payment plan they didnt want when i call first time i get hurt Now they come to my house some person give me letter  XX/XX/XXXX  saying the letter sued me for defendants accessed the line of credit not paid case number  XXXX  which have paid  XXXX  when extra money now they are taken me to court i am still work 's comp i lost my sister  XXXX  ago i help paid for funeral then mother before my sister i i had the money i would my bills do n't money i did n't job i am injury i lost everything!!! My another credit card i sent what i can Please let me know what they said My email is  XXXX  XXXX  XXXX  Thank You for please me  XXXX   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 non-monetary relief
Consumer complaint received 2017-05-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
I have  a Sears citibank cred it card in which I purchased  XXXX  worth of appliances In the meantime years later my balance did n't seem to go down I was just thinking it was at a high interest rate so needless to say I researched my bills and come to find out I was being charged for an " account care '' thing so I called them to cancel it and ask when I signed up for this and I wanted proof because I did n't recall ever signing up for this, So after back and forth they refunded my account for 6 months of payments for this account care fee with no interest Of course I was n't happy because pretty much all the money on my credit card is pretty much ALL THE FEES PLUS INTEREST from these fees But they ended up finally sending me where I signed for it Well I looked at this and the paragraph for the agreement for the credit card was  XXXX  sentences and the paragraph for this ACCOUNT CARE thing was huge I know I probably thought it was part of the application I found this to be VERY MISLEADING ESPECIALLY since it was done on a machine in the store I 'm sure each screen came up at different times But I feel as I was taken advantage of.. This should not be on the application it should be an option that should be mailed to you after the fact to read and understand..In the meantime I have  XXXX  of dollars I have to pay back in fees and interest And on top of that my payment is over  XXXX  a month I feel very mislead

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 2017-05-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Bread Financial Holdings, Inc.
State: VA

Complaint narrative:
I applied for the XXXX XXXX XXXX card after receiving an pop up saying I was approved for the XXXX XXXX XXXX card on XX/XX/XXXX the day after my birthday. received visa card a week later. I went to use the card shortly there after only to be told by Cashier that my card was declined. The cashier ran my card three times. Also around that time I also received preapprovals for XXXX XXXX and XXXX XXXX  card only to find out later that the bank closed my accounts. In addition, I asked for credit limit increase on a few existing credit cards such as XXXX, XXXX XXXX 's and XXXX credit cards which are normally soft pull on my credit reports but were hard pull. I called the bank and explained that I could n't use my card only to be told that bank closed my account and that I would receive an letter!. They did allow me to keep the XXXX XXXX card that I applied for later. I feel they should of declined this application as well if they are saying I have too many inquiries. Over half of inquiries especially on my XXXX are hard pulls from Comenity Capital. They  are pulling hard pulls on my report for what should of been soft pulls! I received letters stating that I had too many recent inquiries. Most of my inquiries are through Comenity Capital Bank is whats very odd and why I am complainting and very angry! I have held cards with this bank since XX/XX/XXXX. I feel they should close all of my accounts if they are going to be this nasty about closing accounts that they approved and issued the credit cards for. Why go through all this trouble and then deceive me and close my accounts. It was very embarrassing to be in grocery store using your credit card to be told it was declined. There was no reason for this! The bank should of just declined the application in the beginning! I am going to be filing other complaints and seeking an attorney over this! I also feel they need to remove all the inquiries they placed on my XXXX and XXXX credit reports as well. Most of the inquiries should of been soft pulls not hard pulls especially on my XXXX credit report file. I am hoping the FDIC and my Attorney General gets involved in this matter as well!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
I have had an account wi th Citi Bank Best Buy for over 5 years. I recently filed a dispute with  XXXX  about my account history wi th the creditor. After that action was done, the creditor closed my account. They gave me reasons that have nothing to do with my account and m y credit score ha s actually increased over  XXXX  points in the last month or two. They refused to open my account back up and told me that I had a better chance of seeing  XXXX  before they would open my account back up. I want my account reopened or I will file a civil rights law suit against this company and I feel they need to wipe my balance to {$0.00} for the inconvenience.

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 2017-05-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: PA

Complaint narrative:
C F P B The initial incident happened with  XXXX   XXXX ,   XX/XX/XXXX  the y issued me an " Interest Only Mortgage '' based on the monies I had invested with them. They (  XXXX  ) put 40 % of the initial value of my condominium  (  {$140000.00 } ),  10 Year -- Interest Only -- 6 % ( locked in   XX/XX/XXXX   ) (  XXXX  ) ( {$450.00} -- Ap p. Fee ( Returnable @ settlement ) {$56000.00} in an escrow account. With that account I could invest in Grade " A '' Stocks and Bonds, and put the proceeds in a Money Market Account, where my mortgage ( at the rate of 5875 % ) would be paid out of. I also added to that account the rest of my estate to a total of {$72000.00}. After 5 years ( and a crash in the market, where I could not transfer my monies out of the stocks and Bonds account fast enough with out getting permission from the Mortgage Dept. ( by that time my investment had declined approx. 50 % ). When my account fell below {$25000.00}, I was   contacted by   XXXX   XXXX   of   XXXX    XX/XX/XXXX  (   XXXX   XXXX   XXXX   XXXX   XXXX   Department and told not to make any more payments, so I could qualify for a HAMP by  XX/XX/XXXX .      1 )    XXXX    (   XXXX  )  Modification Request    XX/XX/XXXX   denied ( reason-Estimated value of condo was wrongly estimated at {$360000.00} not {$200000.00} its actual worth.      2 )   XXXX  (  XXXX  ) Modification Request   XXXX   denied no reason given.      XXXX   XXXX  sold Mortgage to  XXXX   3  ) OCWEN Modification Request   XX/XX/XXXX   -  XXXX   XXXX  of  XXXX   XXXX   XXXX   XXXX  denied ; reason (  XXXX  does not allow Modifications  4  ) OCWEN Modification Request  XX/XX/XXXX  - Ocwen Account Specialist,  XXXX   XXXX  recommended Modification  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   denied  ; reason (  XXXX  does not allow Modifications  5  )  OCWEN HAMP   XX/XX/XXXX   Ocwen  Attorney  XXXX   XXXX  recommended HAMP  XXXX   XXXX   XXXX   XXXX  ,  XXXX . of  XXXX ,  XXXX ,  XXXX   XXXX   XXXX ,  XXXX   (  ATTORNEYS AT LAW ) denied ; reason (  XXXX  does not allow Modifications 6 ) OCWEN Modification  XX/XX/XXXX  Ocwen Attorney recommended HAMP w/  XXXX   XXXX   XXXX   ,   XXXX . of  XXXX ,  XXXX ,  XXXX   XXXX   XXXX ,  XXXX   ( A TTORNEYS AT LAW ), Ocwen recommended to contact HUD APPROVED HOUSING COIUNSELING (  XXXX  ). Contacted  XXXX   XXXX , at  XXXX  regarding scheduled Sheriff Sale on   XX/XX/XXXX  , He researched and  XXXX  does do Modifications.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: PRESTIGE FINANCIAL SERVICES INC
State: GA

Complaint narrative:
In  XXXX   XXXX  the finance company on my car  Prestige Financial i n Utah offered me a special offer of  XXXX , my normal payment is  XXXX . I agreed to take the lower payment. When my banking account was charged it was overcharged in the amount of  XXXX . I called Prestige immediately to resolve the issue which they flat out refused to credit my account for their mistake. I called my bank and reported it as fraud. I have prove via e-mail on the offer. Ever since then my account has not been accurate. They have been applying my payments for  XXXX  to the payment in  XXXX . They claim I missed  XXXX  's payment. Every time I call I get some rude person on the phone or my account  manager   XXXX   XXXX  refuses to speak with me or go over my account or billing. She only responds via email. For  XXXX  and  XXXX   XXXX  my account manager decides to do a deferment on my account, with my next payment not due till  XXXX . I did n't really want the deferment as I wanted to make my payments as usual. The company has my car repossessed on  XXXX . Now I 'm trying to get my car back but again it 's the complete run around and they do n't even have my billing correct. Every time it 's a different amount that I somehow owe. This lender is the worst. They are saying I owe currently  XXXX . This includes my payment not due till  XXXX  which again today is  XXXX . Minus the  XXXX  payment of  XXXX  that leaves  XXXX  they are saying I owe for  XXXX . I have an e-mail clearly stating that from the last payment I made of  XXXX  in  XXXX  that  XXXX  of that  XXXX  cleared  XXXX  and I now had a credit on my account of  XXXX  dollars. None of their billing ever makes sense and the account  manager  never is accurate with her figures. If she ca n't calculate math she needs to find a new profession.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAVALRY INVESTMENTS, LLC
State: GA

Complaint narrative:
Failed to supply sufficient documentation of a debt they are attempting to collect in accordance with the Fair Credit Reporting Ac t, Section 611 ( a ) ( 6 ) and ( 7 ) res ulting in adverse reporting to the major credit bureaus and my denial of credit.     I have contacted the company multiple times in writing without receiving a satisfactory response.     I have researched their histo ry. Cavlary 's Consent Order with the   State of Arizona ( my prior residence ) requires positive improvements in how they conduct business. This has not proven to be the case as they continue to fail to disclose properly and   timely.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have requested removal of personal information  (  addresses & also known as ) 2 times. Both times EQUIFAX has claimed the information was removed ( included all records for proof & showing today 's information ) but when I check my records it 's still listed on my credit report. I need this information removed immediately as it does not belong to me nor have I lived at these addresses ...     Additionally, I have no clue how they go about remove or re-adding information but I 'm sure its a violation of the FCRA. I would like sanctions brought against Equifax ...

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Radius Global Solutions LLC
State: WA

Complaint narrative:
This debt was paid on   X/XX/2016    . We have provided bank records with explicit description of payment to   Central Credit Services-   CHECKCARD  XXXX    CENTRAL CREDIT SERVICES    XXXX  MO, {$420.00}.      Central Credit Services-  specifically,  XXXX   XXXX   ,  Chief Compliance Officer- received our documentation and responded by telling me they could not locate the payment that my bank records show as paid to them. I called in response and  XXXX   XXXX  - c ollections supervisor- told me I must call with a banker online to give them an authorization number. We called multiple times with banker online and the calls were not answered nor were the voice mails returned. I had my banker deploy a 'tracer ' on payment and email results to email address requested by  XXXX   XXXX  . I have heard nothing in response.

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 2017-05-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On two s eparate occasions in   XXXX   XXXX    , I visited Chase Bank at   XXXX   XXXX   XXXX   XXXX   XXXX  , NY  XXXX  and notified  XXXX   XXXX  ( NMLS ID :  XXXX  ) and  XXXX   XXXX   (  NMLS ID :  XXXX  ) that I have been receiving bank statements for   XXXX   XXXX   XXXX   XXXX   at my home address.     Neither did I request, nor did I authorize Chase Bank to send bank statements belonging to my employer to my home address. This is a HUGE violation of privacy and I want it to stop.     Both  XXXX   XXXX  and  XXXX   XXXX  promised me that they would fix this problem. After a number of weeks elapsed with the problem continuing, I returned and spoke with  XXXX   XXXX  a second time. He, again, promised me that he would remedy the problem.     Fast forwar d six months  and absolutely nothing has been done. I called the Customer Service line and spoke with  XXXX  on  two o ccasions, who told me I must be mistaking, because his information in his system reflects that no statements were ever sent to my home address and, if so, the post office must be forwarding them to me. Really??     To make an already long story short, not a week goes by that I do not receive statements in the mail for this account for which I have no financial responsibility. I am not an owner of  XXXX   XXXX   XXXX ,  XXXX  and I do not want to receive its bank statements addressed to me at my home address.     Short of taking legal action, I do n't know what else to do.  Chase is  attempting to bully and intimidate me.     In this age of rampant computer hacking and violations of privacy, it is not only irresponsible for  Chase to  send banking statements to people to whom they do n't belong, but it is extremely neg ligent for Chase to  continue to do so after being put on notice to cease and desist.     This entire situation, going bac k six mont hs, has been extremely stressful for me. It has made me feel powerless and, yes, very much intimidated. The thought t hat Chase c an blatantly ignore my concerns over the use and application of my own name and personal information is extremely unnerving and is causing me to awaken in the middle of the night and not be able to go back to sleep.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: U.S. BANCORP
State: IL

Complaint narrative:
XXXX   XXXX  I applied for a secured credit card  ( S ecured  Visa ) with US Ba nk. This secured card is specifically marketed to individuals with less than average or poor credit to assist them with improving thei r credit score.  As with most secured cards, applicants must transfer/provide the full amount of their credit line as a deposit for the card.      XXXX / XXXX /  XXXX   : I received notice from USBank stating that my application was not approved at this time due to " Your debt to income ratio exceeds established maximum guidelines. The total monthly income amount recorded on your app was {$2500.00}. The monthly housing payment recorded on your application was {$0.00} ''.     The notice further states for me to call them if my housing payment is not accurate.     My complaint is as follow  s : 1. The notice suggests I was denied for not having a monthly housing expense, which is unfair considering the home I live in is paid off and I live with my mother.
2. Any individual with poor credit will have a high debt to income ratio which is why such individuals apply for secured cards. Therefore, this particular card should not exclusively use credit as a factor.
3. I called US Bank 's customer service line and spoke with an unfriendly representative. She stated that ratio guidelines were set by the federal government. I then asked her what was the maximum according to those guidelines and she responded that the information was confidential. Confidential federal guidelines?
4. If delinquent accounts or poor credit history is a factor, credit companies ALWAYS state so as the reason for the denial. That was not the case with this application, leading me to believe that there are other biased factors that may contribute to the denial of a SECURED card requiring full deposit of the credit limit requested and may require federal investigation.
5. Whether US Bank uses federal guidelines or their own, that is critical information that should be provided to any consumer requesting approval, especially if the consumer is suffering from poor credit and specifically seeking to restore such credit. The hard inquiry also means a point reduction in credit score making any preventable denial a disservice to the consumer.
6. US Bank had internally decided to discontinue the card prior to the denial of my application. I believe this to be the real reason my application was denied. The card is also no longer being offered.

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 2017-05-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC
State: FL

Complaint narrative:
Our issue is with Nationstar Mortgage ...   Company fails to provide timely Monthly statements. constantly find errors in their accounting and escrow obligation and the latest which is why we are reporting them ... we notice they had changed our address without us requesting a change or giving them authorization to do so .... So they are sending our Monthly statement to the address of our attorneys ...   which caused a late of payment, which we already paid ... But hold  Nationstar li able for the negligence, constant errors, and not following Mortgage regulations.     We ask the CFPB to look into this company as we have several mortgages with them and this is not the only account we are noticing issues. As well as we notice the same pattern   XXXX   XXXX   XXXX   XXXX   XXXX   is being sued for .... And feel Nationstar should be reprimand before they continue to cause harm to the public ... Just like  XXXX  has already done ....

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-19 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: EZCORP, INC.
State: CO

Complaint narrative:
on  XXXX  I RECEIVED A CALL FROM  XXXX  AT  XXXX   XXXX . A MESSAGE WAS LEFT STATING THAT I NEEDED TO CALL BACK TO RESOLVE A MATTER OR ELSE MY CASE WOULD BE FORWARDED FOR PROSECUTION AND I WOULD BE ARRESTED. I RETURNED THE CALL AT  XXXX    XXXX   AND SPOKE WITH  XXXX . SHE SAID THEY WERE A PRIVATE AGENCY WORKING FOR A LAW FIRM, ANSWERED THE PHONE AT OFFICE OF INVESTIGATIONS. SHE REFUSED TO PROVIDE THE NAME OF THEIR AGENCY OR THEIR ADDRESS. SHE SAID IF I DID N'T PAY A {$700.00} DEBT TODAY THAT THEY WERE FORWARDING MY CASE FOR PROSECUTION AND I WOULD BE ARRESTED AND BASED ON COLORADO LAW I WOULD BE SERVING  3 t o 5 YEARS IN JAIL PLUS A {$5000.00} FINE. I CALLED BACK MULTIPLE TIMES TO GET A STATEMENT SENT TO ME AND TO GET THE NAME AND ADDRESS OF THEIR COMPANY. I WAS HUNG UP ON, FORWARDED TO A GENERIC OUTGOING VOICE MAIL, OR PUT ON HOLD FOR OVE R 20 MIN UTES UNTIL I HUNG UP AND CALLED BACK. WHEN I ASKED FOR THE ADDRESS I WAS TOLD " NO '' AND TO HAVE A GOOD REST OF MY LIFE. '' THEY HAVE CALLED SEVERAL MEMBERS OF MY FAMILY ALSO TELLING THEM THAT I WILL BE ARRESTED FOR BANK FRAUD IF I DO N'T PAY THE DEBT IMMEDIATELY.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation