vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-06-21 00:00:00
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: DISCOVER BANK
State: MI

Complaint narrative:
On XXXX XXXX, 2016, I requested a credit line increase and I was approved for a {$1000.00} increase bringing my card limit to {$1500.00}. Nonetheless, I do not feel like this is a fair credit line increase since all of my other credits have limits in excess of {$1500.00} in addition to my good account standing with Discover. Moreover, I have a 100 % on-time payment history with Discover ( as I do with all my credit cards ), and have not had a credit line increase since I have had the account for over 2 years despite my current credit score of XXXX. I reached out on XXXX XXXX, 2016 to see if the credit card limit could be reevaluated and I was told that I would need to call their Card Portfolio service. I called them and they indicated that since the request was yesterday, they could not do anything. Nonetheless, the representative indicated that I could apply anytime for a credit line increase. After getting off the phone, I requested another increase via the online system. I was told that it would take 2 days to review my request. I initiated an online chat with Discover and had asked if there was any credit line increase time limits, such as a certain amount of days after receiving a request. The online agent indicated that Discover does not have any such limits. That agent recommended I call back the Credit Portfolio department. I called them back and the representative indicated that the application for a credit card increase was denied because of the short credit line history ( the same credit line increase that I wanted to be reevaluated ). She also said that a credit line increase request would be granted within 30 days of a prior increase, which was contradictory to what the online agent had indicated. I asked to speak with a supervisor. I was transferred to XXXX who was very condescending and indicated that the regulations of the industry ensured fair treatment. Consequently, he argued that an exception to the day of the request for a reevaluation could not be granted because it would not be fair for other customers. I then indicated that it did not seem fair that I had about only a half-hour before the customer service department closed when other people that applied that day would had more time to ask for a reevaluation. He then indicated that I could define fairly however I wanted, even though minutes prior his definition fair was the reason why I could not be granted a credit line increase. As mention before, I have several credit cards with other companies and I have never heard that a credit card regulation prevented a credit card increase reevaluation regardless of the time of the request. I believe XXXX was incorrectly state federal regulations and possibly even fabricating them to explain away an issue. At the end of our conversation, I asked for an employee ID number and XXXX refused to give it to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-11 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: FL

Complaint narrative:
I mailed a check of {$90000.00} to part pay the principal balance of my mortgage with Green Tree Servicing. Account number XXXX. The check was mailed USPS Priority Mail, and I had confirmation of delivery and signor on XXXX XXXX. On XXXX XXXX, I noted that the money had been applied, but split : $ {$2000.00} effective XXXX/XXXX/2015 applied as my advance XXXX payment, and {$87000.00} effective XXXX/XXXX/2015 applied to my principal balance. I called to notify them that all of the money should have been applied to the principal and the effective date should be XXXX/XXXX/2015. I have numerous calls since then - mostly unhelpful and even after escalation and a supposed " rush '' to fix, I still have the {$87000.00} although now applied to the principal, but STILL the wrong effective date of XXXX/XXXX/2015. I am told this morning that it might take another XXXX business days to fix. 

My complaint : why should they split the amount when I had previously called before sending the check stating that the whole amount to be applied to the principal, and why is the effective date still wrong? I can only assume that it is Green Tree 's process to do this as it clearly benefits the company at the expense of the client.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-02 00:00:00
Product: Debt collection — Payday loan
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: SECURITY FINANCE CORP
State: TX

Complaint narrative:
Continental is continuing to report information on my credit report that is not a valid debt. I have filed numerous complaints about this company but the only response I seem to get is they collect their own debt therefore they are not bound by the FDCPA. However they are bound by the FCRA and are required to provide me proof I owe this debt and this debt is mine. I STILL have not got the information I have requested. I want PROOF this is my debt. I want something with my signature showing where I signed for this debt. If this debt cant be verified and validated within 30 days then this is required to be removed from my credit report. I will file a civil lawsuit against this company if they can not comply.

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 2015-04-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH

Complaint narrative:
Loan # XXXX Bank of America stated in the deed in lieu foreclosure agreement on XX/XX/XXXX that if I complied with all my responsibilities under the terms and conditions of the deed in lieu agreement I would receive {$2000.00} to assist with moving, rental and relocation expenses with 10 business days after Bank of America received the signed transfer of title. I complied with the move out agreement and moved out of XXXX XXXX XXXX XXXX, OH XXXX on XXXX XXXX. Bank of America verified that the property was vacant on XX/XX/XXXX and that the condition of the property was clean swept. I never received {$2000.00} or any assistance from Bank of America even after many phone calls and letters. The title was finally transferred to HUD on XX/XX/XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-06-30 00:00:00
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: DISCOVER BANK
State: NJ

Complaint narrative:
At times I get an email from Discover to update income information. From my understanding, this is optional but the wording makes it sound like it is required by law. 
I previously contacted Discover about this but they seem to be ignoring me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-05 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Citibank advertised that if I use my credit card for purchasing home furniture, I get back 5% on my purchases.  I had several other credit offers in the mail, offering various % back on purchases, and I decided to go with my existing Citibank credit card because it offered the highest % back.  When it came to paying the 5%, they said that the merchant classified itself with Visa/Mastercard as a "specialty" merchant, and they will not pay my 5%.  I contacted the merchant, the merchant stated that their business was set up years ago, business classifications were different back then, and they are more than happy to verify  for Citibank that they are EXCLUSIVELY a children's home furnishing store.  They also have a website that confirms this:  XXXX  My purchase definitely qualifies for the cash credit.  I contacted Citibank again, and customer service has no interest in verifying any of the facts.  They just simply denied my cash back.  I could have used another card that maybe gave back less, but no tricks involved.  There was nothing on the website saying that if your merchant set up its business decades ago and is not classified this and that, you won't get any cash back. Citibank uses common sense, plain XXXX in their advertisement to pull you in their misleading deal ("5% cash back on home furnishings") but then have tricks to get out of their obligations when it comes to paying.   I could have had money back from other credit card companies and not use Citibank in the first place.  They owe me money as far as I am concerned.  I have been a Citi customer for YEARS and paid my bills on time.  I expect to be treated with respect.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-07-31 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: OR

Complaint narrative:
Two collection companies reporting the same account number. I paid the most recent collection from XXXX but XXXX Company is still reporting. Its the same account number and settlement.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-18 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Specialized Loan Servicing Holdings LLC
State: VA

Complaint narrative:
I purchased a house back in XXXX with an XXXX/XXXX/XXXX loan. The loan was mainly an interest only loan. In the XX/XX/XXXX my wife and I divorced and neither one of us could afford the house and it went to foreclosure and was sold on XXXX/XXXX/XXXX. Since that time frame roughly XXXX years the XXXX mortgage company SLS has continued to show their portion of the loan on my credit account and are not cooperating with resolving this issue. They have never sent any legal notification that they were pursuing payment for their portion of the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-16 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
I have had the SallieMae credit card for one year and I made my payments on time. The card company suddenly closed my account and cleared my reward points without any explanation.

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 2016-01-26 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I have been a client with Bank of America since XX/XX/XXXX. While I was and am a loyal client I was granted the opportunity to work with them in XX/XX/XXXX. During the employment process they encourage all new employees to change over to an XXXX XXXX account. Given the " perks '' of the account I upgraded. 

I became employed with another financial institution in XXXX and went about my normal life. I logged into my account today in XX/XX/XXXX and noticed I was being charged a {$25.00} account maintenance fee so I immediately contacted BOA and was informed I had been charged this fee since XX/XX/XXXX because my " fee waiver expired. '' I received no notifications and being that I have not been employed there in over 2 years why I am I being charged a fee now without notification. They advised me that they could only waive this months fee but I want all fees from XX/XX/XXXX-XX/XX/XXXX to be refunded.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-03-25 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: NJ

Complaint narrative:
MISHANDELED PAPER WORKOur mortgage servicer is Ocwen. Ocwen has ruined our credit by submitting negative reports to the credit bureau. We were on a trial period with lower payments prior to finalizing a modification. During the trial period we met all of the requirements. We signed the modification agreement in XX/XX/XXXX and have been current thereafter, somehow Ocwen reported to the credit bureau we were XXXX days late. This negative impact has a ripple down impact, much of our cards have been cancelled or reduced due to the erroneous information. We have contacted Ocwen several times only to hear it 's been escalated and we are waiting for the Treasury Department to make the corrections. We were also advised to write letters which they ( OCWEN ) have to answer. Some representatives have called in a threatening manner stating we need payment now or your house will go into foreclosure, and we always say we are on a modification plan and we are current, your records are n't correct. We are frustrated with the level of service received and are n't sure what federal programs monitor the servicing companies for FHA loans

Company response to consumer: Closed
Consumer complaint received 2016-07-20 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
This is a second complaint about Bank of America 's business practices, designed as they claim " to protect me, my account, and themselves ''. XXXX deposits totaling {$4000.00} were placed on a 10-day hold, {$2000.00} on XXXX and {$2000.00} on XXXX. These holds have resulted in a returned payment to XXXX XXXX, and has caused my credit card account to be suspended until the payment goes through, which means that I am unable to use my primary credit card. I have also been charged a fee by Bank of America in association with the returned payment. 

I 've been on the phone with Bank of America 4 times today totaling 2 hours. All reps I 've spoken to say that nothing can be done about these holds since they ca n't verify the funds with the other bank. I know this to be false because I 've dealt with this exact issue multiple times before with Bank of America, and on each previous occasion holds have been released. The payer has verified that funds have cleared from his account. Another deposit from the same payer, with a check from the same account, made after these XXXX deposits, has already posted to my account. Reps have insisted that removing the hold is impossible, and have refused to escalate my issue to a higher department, claiming that there is nobody else that they can escalate this to. I know this to be false as well ; when I dealt with this issue in XXXX 2015 I had been in touch with an individual in executive management, whose phone number was given to me and who called me back after I had left a voicemail. 

I have been lied to and stonewalled, and Bank of America 's actions are causing me financial hardship.

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 2015-04-20 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Due to an audit, my state tax authority submitted an " order to withhold '' to my bank. Not the most fun thing to happen, but perfectly reasonable. Part of the order was a {$100.00} fee. The shocker came when I contacted the state tax authority and discovered that the fee had nothing to do with them - they do n't attach fees to " orders to withhold ; '' imagine that - the fee was being charged by the bank. My state tax authority agreed to reduce the amount of the order - really, they were more than courteous and reasonable - but could do nothing about the fee. Ultimately the fee turned out to be more than the order. The bank released the remainder of the order back to me, but kept the fee. 

I 'd really like an explanation of why a {$100.00} fee ( that in my case was more than the legal order from the state tax authority ) is reasonable and appropriate. What costs does the bank incur that are covered by that fee? Do they have some employee somewhere that gets paid {$100.00} for the XXXX minutes it takes to review the order manually and push some buttons? Is there a human being involved at all? 

Like many other types of fees, this XXXX is far more injurious to someone with a low bank balance than someone with a high XXXX. Someone with a balance over XXXX figures would barely notice a {$100.00} fee. On the other hand, someone with a balance over XXXX figures would barely have noticed the amount of the legal order issued by my state. I have never had a balance like that, so a fee of {$100.00} literally means that I have to scramble to make sure not to overdraw the account. ( Which would result in a different set of fees. ) These fees are practically calculated to suck the life out of people that have very little money on which to survive. 

I understand that the bank is providing a service, and that they exist to make a profit through their services. I do n't begrudge them fees in general, but ca n't they charge fees based on the average balance? In any case, a fee of {$100.00} seems excessively high. 

The other, less annoying, problem : according to the state, the bank should hold the affected funds for 10-15 days. My bank DEBITED the funds in less than XXXX. Really? They needed that tiny amount of cash right away?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-02-17 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I was deceived into obtaining mortgage with Citibank by XXXX XXXX. I was promised closing costs of {$1500.00}, and received bill due in the last moment of {$2300.00}, which is {$860.00} in material injury to me. 
Several facts why this constitutes a violation of UDAAP : 1. I am a first time buyer, with no knowledge of mortgage industry or anyone who went through this process and could help. 
2. Since I am not sophisticated enough to understand the large amount of files provided to me. That 's why I asked XXXX XXXX to clarify for me knowing my situation and all numbers how much closing costs will be. See email attached about me asking. In response XXXX called my cell and explained that official papers always overestimate the closing costs, for me it will be no more than {$1500.00}. 
3. If I knew about the real costs of closing, I would have gone to a different bank for mortgage. For example, I have had relationship with XXXX XXXX representative in regards to my purchase. 
4. I asked for closing documents several times closer to the closing date, but received a copy with final numbers only after XXXX of the day preceding closing at XXXX the next day. This is violation of 24 hours minimum disclosure. 
5. I was promised {$500.00} if I sign up for direct charge of mortgage payments from my citi checking account, but was given the full credit only in unsuccessful attempt of remediation of my high closing costs concern. Fact : I did sign up for direct debit. 
6. It has been over 90 days and still no remediation or reimbursement have been offered, although I have received calls about my negative experience and financial loss. 
7. Every time I asked XXXX XXXX a question about costs, he would not reply in email, but call me or ask me to call him ( see text messages screen ). 
I tried emailing the bank for resolution, there are no e-mail addresses available. I called and discussed my complaint with customer service, but noone ever got back to me or tried to resolve this issue.

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 2016-02-24 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: Servis One, Inc., Titusville, PA Branch
State: CA

Complaint narrative:
We had a loan modification put in place XX/XX/XXXX that expired XX/XX/XXXX. XX/XX/XXXX XXXX XXXX XXXX and the lender determined the monthly payment of {$1500.00} and the term ending in XX/XX/XXXX. This was not a re-modification but the remaining loan conditions. 

A transfer of loan servicing companies occurred during XX/XX/XXXX with payments due to the new company, BSI Financial Services, in XX/XX/XXXX. Timely payments have been made with the old servicing company as well as the new servicing company with all terms staying the same. 

As of today 's date, no XX/XX/XXXX statement is available ( usually mailed and nothing is online ). To our shock, the online account information shows the XX/XX/XXXX payment due of {$5200.00}. 

Why and how can a new loan servicing company just change the payment? Do we have to wonder if we can stay in our home every time a new servicing company is hired? 

The main issue is how do they have the legal right to change our loan? The modification period was over XX/XX/XXXX. The remaining rate and terms were decided at that time. Since that decision we 've made all payments on time. Nothing else has changed except a sudden change in our payment without notice, without a statement, without a reason, and besides all of that, about a 16 % interest rate. 

Notices from both servicing companies that announced a new Servicer will be collecting the loan payment state " Nothing else about the mortgage loan will change. '' Per BSI Financial Services, we can not make our normal payment of {$1500.00} because it will only be put into the " unapplied funds '' account. Only {$5200.00} will be accepted. 

So we not only have an invalid ridiculous payment change but now our good record and credit are in jeopardy since we can not make our valid mortgage payment. 

As XXXX XXXX barely making ends meet, we do not need this duress and stress. 

There is absolutely no reason for the new servicing company, BSI Financial Services, to change our loan terms, and even if we were n't seniors, this is outrageous.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation