vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-12-18 00:00:00
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Fraud or scam — 
Company: CITIBANK, N.A.
State: DC

Complaint narrative:
This is a follow up to complaint number XXXX wherein Citibank refused to honor their own cashier checks. I have still not received this money. 

Citibank originally claimed that the money was escheated to the State of California, ( or Colorado or DC ) but California did not show a record of the transaction ( see attached ). California requested proof of the transfer in a subsequent conversation, but despite numerous unanswered requests to the branch XXXX, XXXX XXXX, or to XXXX XXXX at the XXXX XXXX XXXX, Citibank has failed to supply proof that this transaction occurred. 

After my original complaint, I received a letter from XXXX XXXX at the XXXX XXXX XXXX with the months that Citibank allegedly escheated the funds. I requested proof of this transaction ( as requested by the State ) but was informed that this information was proprietary. I requested that they send the information directly to the state, but was informed that Citibank would not do this. 

I made numerous requests to speak to XXXX XXXX XXXX XXXX, XXXX XXXX, but XXXX XXXX refused on the basis that she would tell me the same things ( which is absurd on its face since my first question would have been to ask XXXX XXXX XXXX  XXXX XXXX name ). My XXXX did promise a call-back from a rXXXXe of XXXX XXXX and gave me an email address for the XXXX XXXX, but like so many failed assurances from Citibank, no phone call was received, and the email address proved invalid. 

Citibank took my money, refused to honor their checks, and then failed to assist in recovering the money leaving me with no recourse.

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 2017-12-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Johnson Mark LLC
State: UT

Complaint narrative:
This is the second experience I am submitting a complaint about regarding this law firm. On XXXX XXXX, XXXX, my wife was home alone with our XXXX little kids and a man came to the door. Based on the appearance of the man, my wife did not answer the door. The man stood outside of the door for XXXX minutes yelling trying to get her to answer the door. Finally it appeared that the man left, so my wife went and got into our car with our kids only to find that the man was waiting at the end of our road. He followed my wife for XXXX miles to our bank. As my wife was in the drive thru at the bank the man jumped out of his truck and approached the vehicle. My wife pulled away and he ran back to his truck and followed her to our other bank and while she was in the drive thru at this bank he got out of his truck and approached the vehicle again. I was on the phone with her right before this and she was crying and very upset. I told her to hang up with me and call the police. 

Before she could pull away he jumped in front of our car to block her, she was on the phone with XXXX at this point and as he walked up to her window she showed him that she was on the phone with the police. He then lifted up the windshield wiper and stuck the documents on the windshield. All of this is on the banks surveillance cameras. 

I mention the surveillance cameras because the last complaint I submitted about this law firm was quickly dismissed. In the words of the owner of the company that delivered the documents last time after an escalated conversation with him, he said, " If you do n't have it on camera, there 's no proof we did anything wrong. '' This law firm response for my last complaint was completely false as they stated that all applicable laws were followed. If my wife and I are experiencing this type of harassment, I can guarantee that others in Utah are also experiencing this treatment.

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 2017-12-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE

Complaint narrative:
The credit reporting by Transunion still showed i have a paid federal tax lien on my report. I have disputed it with them 3 times. All of my other federal tax liens have been removed from my report. Even XXXX has removed all of my federal tax liens from my report. These liens were paid XXXX/XXXX/XXXX and all they have done was update, which they should have removed them just like the other 7 which were paid on the same date.

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 2017-12-18 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: BARCLAYS BANK DELAWARE
State: TX

Complaint narrative:
I disputed a charge of {$720.00} for carpet cleaning with Barclay. Barclay denied the claim without doing a reasonable investigation of the claim. The service provider for the carpet cleaning did not clean the carpets. I provided photo evidence that the carpets were not cleaned and an invoice from a separate company showing that I had to pay someone else to do the job. Barclay refused to consider this evidence and solely relied on the company 's assertion that the services were rendered. This is in spite of the fact that the invoice that the company provided notes that the work was not done. I did not accept the services, the company charged me regardless of that, and Barclay refused to research the matter appropriately.

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 2017-12-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
In XXXX I opened a XXXX XXXX XXXX card that offered two free nights with a spending limit. I have not received the two free night and have been following up since XXXX and keep being told that I need to wait but that the certificates are coming. I would please like the nights to be issued immediately as I have met the terms outline when I applied. 

I 'll attach a screenshot from your XXXX team. They confirmed the spend and terms of the bonus and asked me to reach out mid XXXX if I had n't received the free nights. 

When I ddi n't receive the certificates in XXXX, I called on XXXX and spoke with XXXX who confirmed the spend and said I would have the certificates shortly. The reference number she gave me is XXXX. 

It 's now late XXXX and I do not have the certificates. Please issue them since I have been promised them several times by XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: MD

Complaint narrative:
Our loan was sold to another mortgage company and the balance of our loan raised from XXXX to XXXX. When I called and asked for a pay off on this loan I was told that it would be XXXX. They also say that we are behind on the payments, yet we have been making a payment a month, plus 2 months we made double payments because they said we were behind. I have researched this company and they have a lot of complaints against them. When you call to talk to someone it is automated and if you do get through then you have to leave a message and they never return your calls. This is very up setting because our original loan was for XXXX in 2001 then it went to another company and then another company and now to this company and we still owe almost as much as we did when we first got the loan. Also the interest rate was supposed to be fixed and it has raised. We need help and so does a lot of other people.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
The problem is with the Santander Bank acct # XXXX. this is a joint checking account with my XXXX XXXX XXXX XXXX whom XXXX on XX/XX/XXXX. I tried to close the account and was told it could n't until the estate had been settled, fine, the problem is that they deducted since XX/XX/XXXX a {$16.00} a month for '' inactivity fee '' I want that money to be reimbursed into the account until the estate is settled and I can withdraw the full amount.

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 2017-12-18 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: E*TRADE BANK
State: PA

Complaint narrative:
I Disputed with XXXX in Reports # : XXXX on XXXX/XXXX/XXXX & XXXX/XXXX/XXXX. So I Called XXXX  again about why my dispute was not investigated correctly on XXXX/XXXX/XXXX at XXXX. Spoke with XXXX. She stated shes putting in another direct dispute and it could take up to 60 Days. Because I sent in proof of payment from a letter from E*Trade showing they confirmed my payment on XXXX/XXXX/XXXX. Also that the payment was taken out from my XXXX XXXX Checking Account with my online dispute from Reports # : XXXX on XXXX/XXXX/XXXX & XXXX/XXXX/XXXX. 
It still wasnt removed as a delinquency. 
As of when I received my updated experian credit report they sent me on XXXX/XXXX/XXXX. This has been hurting my credit since XXXX. I am fully XXXX and to sick anymore to fight these companies. Which E*Trades Number on my Credit Report is disconnected. 
Please please help me fix this. Im in dispert need of your help. Also with other problems that they wouldnt fix as well on my 3 Credit Reports that I 've been trying for about 2 years now. But it becomes to overwhelming for me because Im very sick. 
Thank You and XXXX Bless, XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX H : XXXX C : XXXX XXXXXXXXXXXX I have proof of all my payments. 
Please just tell me where to forward them.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC.
State: IL

Complaint narrative:
In early XX/XX/XXXX, I noticed that my bill was greater than the amount that it should be based on my income based repayment plan that went into effect XX/XX/XXXX. The payment under the new plan was {$490.00} but the bill was for {$750.00}. Because the excess amount of {$260.00} is 52 % of {$490.00}, I did not believe it was possible for these to be late fees, so I contacted Navient. Navient responded that they were in fact late fees. So, on XX/XX/XXXX, I reluctantly paid the bill in full, with the late fees, thinking it would be better to just pay than self-audit the account. 

Now, my bill is once again showing that I owe {$750.00}. I contacted Navient to advise this was in error, as the full P & I payment of {$490.00} plus the late fees of {$260.00} were paid on XX/XX/XXXX, four days in advance of the due date XX/XX/XXXX. Therefore the fees were paid and no new fees could have been assessed. Navient responded that my entire {$750.00} payment had been applied to P & I, nothing was left for the fees. This is an admission that they applied my payment to more than the amount that was due, in effect disregarding the reduced income-based payment amount and demanding that I pay the same fees multiple times over. 

When reviewing the payment history document, please note that there is data from a private loan account displayed as well as the federal loan account that is the subject of this complaint. The accounts can be told apart by the due dates : XXXX of the month for federal, XXXX of the month for private. The {$220.00} transaction dated XX/XX/XXXX is for the private account ; the transaction at issue here is dated XX/XX/XXXX iao {$750.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: CT

Complaint narrative:
Regarding a Wells Fargo checking account - being an accountant I actually monitor the account throughout the day so I observe in real time how debits and credits affect the account. At one point in the day, when the account had something like a {$3.00} balance, Wells Fargo allowed a {$14.00} charge to go thru then bringing the account to a negative balance. There were not enough funds to cover this charge so it should clearly have been rejected. Nope, not at Wells Fargo who revels in making their earnings thru the {$35.00} fees assessed on their accounts. By allowing the {$14.00} charge to go thru and have the account go negative, they then assessed the {$35.00} fee.

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 2017-12-18 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Ditech Financial LLC
State: FL

Complaint narrative:
In XXXX XXXX 1990 I 've purchase a mobile home and finance it thru XXXX XXXX XXXX located in XXXX XXXX XXXX for 20 years, when the loan was paid in full they were supposed to send me a tittle, never received any documents from this company, now few years later I 'm trying to sell my mobile home to find out that Greentree still as a lien holder on my property that was fully paid long time ago, After many many phone calls to Greentree ( now Ditech ) finally got some documents but they are photo copies and the lien satisfaction letter is not an official form signed by this company even though Ive faxed the form to them the DMV can not process a transfer without the original title and a lien satisfaction form, I 'm tired to called them without results, I need some help so i can transfer the property to the buyer they told me to go to the DMV that there is not issues but the DMV tell me different and in the mean time there is not solution.!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-18 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 — Overcharged for something you did purchase with the card
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Hello Sir or Madam, XXXX XXXX XXXX, XXXX an unauthorized charge of {$400.00} into my account which I had completed the agreement on XXXX XXXX, XXXX for the handyman. 

I notified XXXX on XXXX XXXX, XXXX that I did not authorize the charge, no card was swiped in his credit charge machine, no phone call to authorize the charge, and he was not even at my house. 

I filled in the paper work for dispute. 

On XXXX XXXX, citicards said it was a fraud issue therefore went to fraud dept. No response. I called within a week and they said that does n't below that department. 
On XXXX XXXX, I talked to the supervisor XXXX in dispute dept and he said look into it. 

On XXXX XXXX, I called into dispute dept and XXXX said it will forward to an investigator. 

On XXXX XXXX, the security dept emailed said that this is not their dept. to handle the case. 

On XXXX XXXX, I called the dispute dept. and XXXX then XXXX said it will forward to investigator. 

On XXXX XXXX, called the dispute dept. Could n't provide me an answer and they sent a form to complete XXXX XXXX XXXX, I faxed the form. 

On XXXX XXXX, received an email that they could n't read my fax. 

XXXX XXXX emailed the form. 

On XXXX XXXX, I called dispute dept. and XXXX responded that they will forward to investigator. 

On XXXX XXXX, I talked to XXXX in dispute dept and she said the her supervisor is looking into it. 

On XXXX XXXX, I contacted XXXX for consumer help. XXXX was able to get some help from the XXXX area of Citi Bank ( XXXX ) phone # XXXX XXXX ]. She said the whole process start from beginning again. Will have the resolution in XXXX XXXX XXXX line is that I talked to the handyman in mid XXXX XXXX about the issue. 


I never did authorize this charge period. Everytime that I authorize the charge is running through his credit charge machine. 

So, with that credit card machine supposedly an authorization code is attached onto the credit slip. But for that specific day -no authorization is performed. 

Thank you. 
XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-12-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Ditech Financial LLC
State: AZ

Complaint narrative:
In XX/XX/XXXX2017 we started the process of refinancing our 2nd mortgage held with Ditech. The rate is 8.6 %. We attempted a few years back to refinance with Ditech ( formerly a XXXX loan ) to lower the rate but they would not do it. The new bank we are working with saw that the 2nd mortgage loan had two liens placed by XXXX. I contacted Ditech by phone to attempt to resolve the issue and sent an email on XX/XX/XXXX/17. They sent a letter with information that Greentree was now Ditech but I could not access the letter and was not the resolution to the issue. I called Ditech a few more times. When I have talked to the Ditech representatives by phone they can not locate the documents and could not help. On XXXX/XXXX/2017 I called and was told Ditech was going to do a title search. On XXXX/XXXX/2017 via email I sent copies of the two recorded deeds from the XXXX XXXX Arizona XXXX online service. I called Ditech on XXXX/XXXX/17 and asked to speak to a supervisor. I was told a supervisor was not available and they would call me. Ditech has NOT responded at all since I started contacting them in XXXX 2017. The rate is XXXX us and we will refinance but Ditech must be held accountable for the terrible  service and continued interest accumulation.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-18 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: EQUIFAX, INC.
State: NM

Complaint narrative:
Equifax has been informed multiple times about incorrect information on my report, and refuses to remove it. Specifically due to Identity theft committed by my ex-wife, the XXXX XXXX XXXX account represented by XXXX XXXX XXXX in the ammount of {XXXX}. This account has been removed from all of my credit reports multiple times, but is put back on when Equifax attempts to sell me one of their monitoring products.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: ID

Complaint narrative:
Back in XXXX of XXXX, when the XXXX breach hit the nation, Equifax offered a year of free monitoring. I signed up for this offer. On Saturday, XXXX XXXX, XXXX I purchased a new vehicle. Later that evening, I was informed by the dealership that they could not process my loan due to a freeze that Equifax has on my credit. I logged into the TurstedID/Equifax website, and found step-by-step instructions to lift a freeze. Upon submitting my request, I received a notification that it would take 24-48 hours to lift. Monday, XXXX XXXX, the dealership contacted me again and said the freeze was still in place.I logged into their site, and there was a notice that said the request failed, and to contact Customer support XXXX. I called the number and they informed me that they could not lift the freeze and gave me a number to XXXX ID, who could. I called TrustedID, and they said they could n't lift it, and sent me back to Equifax. Between Monday XXXX and Tuesday XXXX, I spoke to 6 different representatives between TrustedID and Equifax. No one knowing why this freeze was unable to lift. Finally, late Tuesday XXXX XXXX, I spoke to an XXXX ( XXXX # XXXX ) at TrustedID XXXX he said he got all the way to the end of deactivating my freeze, and said it would n't go through. Told me to contact the XXXX Department of Equifax. I called them XXXX XXXX XXXX and they informed me they could not do anything to fix it, and submitted a ticket to escalate my issue. They informed me the process will take 7-10 business days. As of today, XXXX XXXX, my credit is still locked with no updates and the dealership still can not process my loan with this lock in place.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-18 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Midwest Recovery Systems
State: OH

Complaint narrative:
Per the Fair.debt collection practices act and the fair credit.reporting act All debt have to be validated and the consumer have the right to dispute the debt before a debt collection agency report it. I did not receive this from the company as the company reported this information before I was given the right to dispute and the information was validated. Therefore they violated the law. I want this information deleted off my credit report. I 'm sure that other consumers was treated this way, I have consulted an attorney for a possible class action suit

Company response to consumer: Closed with explanation