vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-11-29 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Medical Business Bureau
State: MO

Complaint narrative:
I had a procedure done at XXXX XXXX XXXX ( XXXX ), back in XX/XX/XXXX/XX/XX/XXXX. At the time I did n't have insurance and I applied for and received financial assistance for my bill. The XXXX financial counselor at the time, XXXX XXXX, stated that the financial assistance would also take care of 'ANY PROVIDER from XXXX XXXX & they would HONOR the financial assistance from XXXX XXXX By the time I received financial assistance from XXXX XXXX ; XXXX XXXX XXXX had already sent my bill of {$340.00} to XXXX XXXX XXXX XXXX. I initially explained to a very rude and aggressive XXXX representative, that I was not working had no income and was waiting for XXXX to make their decision regarding financial assistance. Once I received the letter, I FAXED the aggressive and rude, XXXX representative a copy of XXXX financial assistant letter ; ON MORE THAN ONE OCCASION. XXXX continues to refuse to honor the letter and wants me to pay them directly ; which I 'm refusing to. I continue to dispute this with them & just recently again disputed this item with XXXX. XXXX is refusing to honor the agreement the original debtor has regarding XXXX patients receiving financial assistance ; which is fraudulent. They also ignored the award letter I faxed over to them showing them the issue was resolved. 

At this point I can only attach a copy of the email I sent to XXXX XXXX asking for another copy of the award letter back in XX/XX/XXXX ; I have emailed XXXX XXXX requesting another copy of the letter. 
This incident has been ongoing since XX/XX/XXXX with XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
Sir I was given a credit card with a {$15000.00} limit while I was making {$19000.00} a year. 
I attempted to pay the monthly payment even with my parents help. When I just could n't pay it. They lowered my limit. And then without notice cancelled my card. I was doing my best. 
It was just too much! As if they set me up to fail. And they would take every penny that I put in my account savings and checking.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: AES/PHEAA
State: MO

Complaint narrative:
I have a XXXXXXXX XXXX student loan that I began repaying in XXXX. I was working for XXXX XXXX and now a XXXX XXXX XXXX XXXX for the past 33 years. I applied for public service loan forgiveness and was told I qualified except for my repayment plan.i was never told I should change by repayment plan and I always stayed in whatever payment plan the department of education established for my loan. I feel like I have been taken advantage of.XXXX XXXX XXXX tell me they have now but my loan in an approved payment plan but said I still wo n't qualify as I do n't owe another 10 years of payments.they made my monthly payment go up {$3.00} a month.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-29 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: Continental Finance Company, LLC
State: FL

Complaint narrative:
My son was admitted into the XXXX twice this year back in XXXX and XXXX which caused me to miss work and fall behind on my credit card. I have called CONTINENTAL Financial co and asked for a goodwill adjustment and I have sent in goodwill letters. They have declined all request. I was effected by hurricane Irma and in need of a home. I am unable to be approved for a mortgage because of the late payments.

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 2017-11-29 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: ID

Complaint narrative:
On Tuesday XXXX XXXX Wells Fargo called me to say that someone had just tried to transfer {$2500.00} with XXXX from my online account. I had not done this transaction. I went to my local bank, but they were not able to help me get my money back. I filed the complaint with Wells Fargo. They said I had to wait 10 days to see if I would get my money back. I have bills to pay, like my house and utilities. I want my {$2500.00} back.

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 2017-11-29 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: MB FINANCIAL, INC.
State: IL

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX, XXXX, Bank employee XXXX XXXX Stated that my savings account was closed preventing me from making a deposit into my savings account. XXXX XXXX XXXX, XXXX, Never answered the Certified letter sent and received by VP XXXX XXXX that was sent to him, due the meeting with myself and two witnesses which was present at the meeting thats willing to testify concerning XXXX XXXX XXXX, IL ; XXXX XXXX XXXX, Check # XXXX, XXXX, IL., Legitimate, Certified, XXXX, Act ; copies! XXXX ; Demand applies, my name is indicated by XXXX XXXX XXXX , XXXX, causing Fraud Upon the Courts/ Aid & Abetting! Coverup are a Crime!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-29 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: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
My son was admitted into the XXXX twice this year back in XX/XX/XXXX and XX/XX/XXXX and XX/XX/XXXX which caused me to miss work and fall behind on my credit card. I have called XXXX XXXX in regards to my XXXX XXXX credit and asked for a goodwill adjustment and I have sent in goodwill letters. They have declined all request. I was effected by hurricane Irma and in need of a home. I am unable to be approved for a mortgage because of the late payments.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-11-29 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: CA

Complaint narrative:
Citibank is clearly and obviously discriminating against me. Citibank approved me for a BestBuy XXXX card nearly two years ago. They also gave me a Citi AADvantage MasterCard, a XXXX and XXXX XXXX card and a XXXX XXXX XXXX credit card. Citibank has treated me unfairly over the past few years. And on XX/XX/XXXX at XXXX I sent a message to Citibank letting them know that they have treated me awful. I said nothing bad. I just said you have treated me awful. The next day the closed all my credit cards. Their excuse was that I had too many recent inquiries on my credit report. I disagreed with that because I have a credit freeze on my credit and a 90 day fraud alert and a block on my XXXX report. I have solid evidence that Citibank has discriminated against me. I will not disclose too much because I am exploring legal options. All my credit cards with Citibank had a {$0.00} balance because I always pay them in full. Citibank claimed that they review the accounts and credit every six months. However conveniently Citibank closes my cards less than 24 hours after I sent my message to them. I retained a copy of that message for my records. Citibank wo n't even hire me because not only because I am XXXX XXXXXXXX which I have information and witnesses to confirm my claim, but also because I am over XXXX. Customers need to be made aware of Citibank 's discrimination against minorities so that they can make an informed decision before they bank with Citibank. I monitor my credit everyday. My credit score is good, and there were no recent inquiries due to the credit freeze on all three bureaus. Citibank lied to me when they closed all of my Citi cards. They closed them because they do n't like me, and when I called them out on it via secured message, they closed my cards. SHAME ON CITIBANK.

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 2017-11-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
Hi, today XXXX XXXX I called customer service of Capital One to ask them to remove the {$25.00} late fee that unfairly has been charged to my account even I paid on my due date ( XXXX XXXX ), The associate told me They were unable to do it due to the " system '' - I asked to speak with someone else and I spoke to a manger ( I do n't remember names ) but the same negative response. They say I have to pay within their time frame, and that this time they wont be able to do it ( I know they have waived other time XXXX sound like this time they want me to teach me a lesson ; and they did want to do that simple thing. 
I think their system should remove any late fee automatically when is paid on your duedate or at least XXXX no make a hard time to good paying people so why in the world they dont want to wave it? It totally unfair

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: North Shore Agency, LLC
State: CA

Complaint narrative:
In XX/XX/XXXX I moved back to XXXX from XXXX. XXXX was my cell phone carrier at that time. Before moving back the USPS stopped allowing XXXX XXXX. to have PO BOX 's and in turn all mail must be addressed to a physical address. XXXX was notified. I had also changed my mailing address to reflect my move 2 times online with XXXX to reflect XXXX XXXX. Their " system issues '' as described to me on the phone were rejecting my updated mailing address that I had before leaving XXXX to move back to XXXX. After my previous phone died, I decided to utilize the " switch to XXXX '' promotion and " we will pay your early termination fees up-to $ $ $ amount. While you also get to keep your current phone number '' After I had paid my last bill I had called XXXX 2 times, the month of and the month after, both individuals knew of the ordeal and reassured me that I did n't owe XXXX anything, XXXX covered all remaining charges. XXXX needs to provide these phone recordings in order to proceed, along with verification that they did, mail paperwork regardless of paperless billing- that I did not receive at my mailing address in XXXX XXXX. showing that I owed XXXX any balance. Both family in both states have not received paperwork from XXXX stating that I owe them anything. I have had an excessive amount of advertisements sent to my mailing address in XXXX XXXX since I switched to a reliable carrier this past summer of XX/XX/XXXX.  The collections agency 's trying to contact me have been XXXX by phone in XXXX XXXX. and North Shore Agency. Both who have not been able to mail to the correct address in XXXX, or as XXXX even mailed anything to me in XXXX  or XXXX. My family would defiantly have let me know and either forwarded or called to provide me the information.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-29 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
I applied for payment assistance with Wells Fargo and was accepted until XXXX XXXX. The agreement was to pay $ 25 monthly until I was able to pay. In XXXX XXXX I found employment in XXXX, WA. I contacted my payment assistant representative and informed her of such, and that I would be putting my home in XXXX XXXX MO on the market. There was a contract on the house and I accepted it. On XXXX/XXXX/XXXX I received a disclosure for the closing on the home, Wells Fargo added an additional XXXX to my loan amount and when I called the representative stated that it was for foreclosure proceedings. I completely complied with the payment agreement, I was not aware that my home was in foreclosure and set to sell on XXXX/XXXX/XXXX. When I informed the representative that I had sold the house she told me to not send any more payments and the proceeds of the sale would be applied to the home. I am furious and I feel that Wells Fargo has been fraudulent.

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 2017-11-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC
State: IL

Complaint narrative:
Quicken Loans has been slow rolling me in refinancing my mortgage. The home is worth $ XXXX with a mortgage of $ XXXX. 

They have ruined my credit score. Why are you treating a fellow XXXX alum this way, XXXX XXXX? 

Shame. 

See you in court. 

XXXX XXXX Class of XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-29 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: Experian Information Solutions Inc.
State: AR

Complaint narrative:
I reached out to XXXX XXXX, and Experian and explained to them that I did not authorize my credit to be ran by these companies and wanted the information deleted off my credit report. I was spoken to rudely.The issue was never fully resolved. The inquiries were removed at one point and were eventually placed back on my report and I was never notified the inquiries were placed back on my report. According to the FCBA that is against the law. I am requesting that Experian, XXXX, and XXXX to remove all inquiries pertaining to auto loans due to not being notified. The inquiries are as follows : XXXX XXXX Auto Finance XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IN XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IN XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2017-11-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
The monthly and annual membership fees on my Capital One credit cards are ridiculously high and I am aware that Capital One agrees with me, because in nearly all cases they will remove the monthly and annual memberships just when a customer points out the excessive amounts of these fees. I pay a high rate of interest for my cards and that should be enough. I want Capital One to stop charging these fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
Chase credit card : ending in XXXX I paid off my full balance and closed the account XXXX XXXX XXXX. 
I still incurred a {$19.00} annual fee after this date. I was unaware and did not log back into the account. I got an email on XXXX XXXX XXXX stating my account was overdue. I called XXXX XXXX XXXX and was told by customer service rep that I was late on the fee of {$19.00} and was charged an additional late fee of {$15.00} on top of the {$19.00}. 

I went ahead and paid the overdue amount and told the rep to close the account again. I also noticed Chase Credit Card had put a negative hit on my credit report. 

This is not fair practice. How can I incur charges/fees after I already closed the account a month prior, they should have waived the late fee since the balance was paid off.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-11-29 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: GVA Holdings, LLC
State: WA

Complaint narrative:
My Loan APR was 763.16 % on an {$800.00} loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-29 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Yakima County Credit Service, INC
State: MO

Complaint narrative:
What type of problem are you having? I am trying to get my credit in order and I have a collections company YCCS located in XXXX Washington my home town that has piled on a pretty big bill, wich I could have paid back eventually had they not tacked on a absolutely ridiculous interest rate and never contacting g me or even sending me a letter stating the amount of money I owed ever. Now it is at {$19000.00} and most of it is interest since its been building it for probably 12 years or so with out my knowledge. I have agreed to start paying XXXX dollars a month and they faxed me the paper work and when I am finished paying it off I will have paid XXXX dollars wich seems a bit out of hand and its really making it hard on me. I am a XXXX father of a XXXX XXXX XXXX girl who has made some mistakes in the past but I am trying to fix my credit and buy a house so I can raise my girl in a nice home. And where I live I could buy a nice home for XXXX dollars and put the money into my local economy. Anyways I feel like Im being taking advantage of and I also feel like this cant be legal if you could please help me out with this I would really appreciate it my email address is XXXXXXXXXXXX, my phone number isXXXX and I live at XXXX XXXX XXXX XXXX MO. I am very busy working and taking care of my daughter the best way to contact me is an email. 


Thank You XXXX XXXX Who are the people involved?

Company response to consumer: Untimely response
Consumer complaint received 2017-11-29 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
My Wells Fargo atm card was lost and fraud charges incurred. I spoke with Wells Fargo bank and disputed the charges via phone and submitted a letter to them for unauthorized charges. Wells Fargo did not take the matter seriously and said I used my PIN number for the charges and declined my claim. I never used any PIN number nor I know what my PIN number is? 
All fraud charges incurred without PIN numbers nor any signatures on sales receipts. Wells Fargo bank and their claims department is not truthful of their investigation. At this time Wells Fargo has not done anything to reconsider their decision and collect back my funds.

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 2017-11-29 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: LDF Holdings, LLC
State: WA

Complaint narrative:
701 % APR interest charged on a {$1200.00} loan

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: NV

Complaint narrative:
I started making payment to get out of default, once out of default i tried to srart working on the debt. After making a settlement release payment of XXXX i got a wage garnishment paper from department of education. They told me i have n't made any payment and the XXXX XXXX XXXX that i was paying was not real. And none of that money even counted as payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I should start off by saying that this happened in XX/XX/XXXXand XXXX and I finally lost my home in XXXX to foreclosure. 

I contacted Citi in XXXX, MD, 3 different times about a loan modification. 

I expressed to Citi that my wife lost her job and we were having troubles maintaining our monthly mortgage. Citi had me apply for loan modification 3 different times, each time Citi claimed that they lost or could n't find all documents. later even suggested that I try to refi, at the end they told me that my credit was not satisfactory and they could n't help me. They also told me that they could n't help unless I was at least three months or longer in default. 

We maintained our payments up until the end when we could n't pay anymore. I lost the home and it later sold for {$110.00}, I had a mortgage of {$220.00}. 

When I called them in XX/XX/XXXXthey claimed that they owned me a letter releasing me from all debt and to clear my credit from this matter because of the hard work that your Agency ( CFPB ) has done, but I never received this later. 

Any assistance would be greatly appreciated. 

Regards XXXX

Company response to consumer: Closed with explanation