vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-04-19 00:00:00
Product: Mortgage — VA mortgage
Issue: Settlement process and costs — 
Company: Freedom Mortgage Company
State: GA

Complaint narrative:
We bought our house in XXXX XXXX. Our loan was with Freedom Mortgage. They offered us a lower interest rate, we closed with the new loan in XXXX. The did n't calculate the escrow correctly from one loan to the other. But, we had XXXX in our escrow account before the refinance. Now, they have tacked on extra escrow to XXXX because we did n't have enough in our escrow account to cover taxes and insurance. I thought that either they had to roll the XXXX over, or we were supposed to receive a check within 30 days. It did n't roll over and we did n't receive a check. We have reached out to them several times, phone calls and emails. One person said that they used the money to pay unpaid principal for XXXX XXXX payment?? The gentleman that told us that said he would have a supervisor contact us within 25 hours ( that would have been Saturday ) have n't heard a word. First contact was Friday XXXX XXXX, XXXX. We are very frustrated, because now we are expected to pay an additional XXXX a month, when we paid the money in XXXX. We should n't have to pay for their mistakes!

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 2017-01-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC.
State: AR

Complaint narrative:
I do n't have a job to repay so I ca n't repay due to no funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-04 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: TX

Complaint narrative:
We just started construction to rebuild our home from a tornado. The mortgage company is holding all our money paid to us by the insurance company. We have an invoice for {$46000.00} that we paid to the concrete company. The framing is almost done and we need to pay that bill along with windows and drywall. The mortgage company is taking so long to reimburse us that we ca n't move forward. We ca n't keep contractors if we ca n't pay them in a timely manor. We can not wait 10 to 15 days to get this bill paid because the contractors will move on to another job. This is the time in construction where the money is going out faster and I am not getting cooperation from the people who have my insurance money

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-02 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: Freedom Mortgage Company
State: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX To whom it may concern. 

I applied for my townhouse refinancing to Freedom Mortgage Corp XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX Initially, we talked, and I clearly stated, that my gross income was around {$45000.00} yearly. According to market estimate, my house worth {$170000.00} and refinancing amount would be {$130000.00}. I 've bought this house in XXXX 2009. 
The person, who I spoke to, said that it 's kinda tight, but after checking on my credit score, he said that they could do it, and took my application over the phone. He was some kind of supervisor there, and later transferred my application to one of the loan officers XXXX XXXX. 

I received electronic package, signed all documents, tho some was not exactly correct, but he said, that we could change it later. I 've also supplied 2 years of tax returns, bank statements, and all the other required documents. At the end of that day, I got a call from him, and he said, that my application was denied cause my income is not {$45000.00} but {$30000.00}. {$30000.00} was not my gross income but adjusted gross income, meaning after personal deduction, and IRA contribution. I pointed to that fact to him, but got borderline rude response. After that I emailed him, and asked for that explanation in writing, but got no response. 

About 2 weeks later, i 've got a letter from Freedom mortgage Corp where no reason for denial was stated, it also did n't say anything about where they obtained my credit information. 
What was in that very strange letter ; - Withdrawn. WE HAVE ACKNOWLEDGED YOUR WITHDRAWAL REQUEST!!! 
I did not request anything! 

I 've called them following that letter, and got the promise to call me back, and resolve the issue. One week later ... I got nothing! 

I also going to file a complain with the XXXX, cause i do not believe such a practice deserve an XXXX rating.

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 2016-10-17 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
1. I just tried filing a dispute online with Equifax it asked me there for verification questions and they found my credit file. I wanted to get some other information from my credit report and came back and the session had timed out, so I went through the dispute process again from the beginning and asked me for new verification questions and I 've had the same problem in the past and asks me questions that have nothing to do with my credit history so I answer the appropriate answer none of the above. and keep getting the same response we can not verify your identity please fax your dispute. There is something wrong with their verification process! I am tired of having to fax the disputes in at my expense and inconvenience. 
2. My XXXX credit card is reporting on Equifax a showing a balance of approximately {$270.00}, that amount is incorrect! My wallet was stolen on XX/XX/2016 and I have reported that to all the credit bureaus. The perpetrator charged {$270.00} on this card, I did not! however, to avoid any impact on my credit score, I immediately disputed it with my credit card company and made a {$200.00} payment on The date of my attached evidence approx XX/XX/2016. The current balance is {$30.00}!! 
3. The reported date of my last payment on Equifax is incorrect! It shows XXXX XXXX I have made XXXX payments between XXXX XXXX and XXXX XXXX!! and the aqua fax report showed it was updated XXXX XXXX! The other XXXX reporting agencies are accurate! I am consistently having a problem with Equifax!! I need relief! 
4. The high credit of {$300.00} on this card is also incorrect!! 

I hereby seek the CFPB and the FTC to organize a thorough investigation into these matters. I am a XXXX veteran and I have spent hundreds of hours trying to resolve various issues with only Equifax since XX/XX/XXXX. It has exasperated me! my credit score is consistently lower and been lowered with each error that Equifax makes on reporting my credit information! I do not have the time, energy, resources due to my health condition to continue to fight for my rights. Please I humbly seek assistance beyond the complaint process. It has not worked for over 10 months in any of my complaints.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-10 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
My checking account with Capital One Bank was compromised in XX/XX/XXXX. I discovered there were fraudulent checks deposited through my mobile banking and then withdrawn. I contacted Capital One, filed a police report, signed an affidavit and my case was assigned to a fraud XXXX for Capital One. I spoke with her on a few occasions, sent all of the documentation to her. In following up, I was told that she could not contact or get any cooperation from the XXXX Dept and basically that because they took a loss, that I would have to take a loss for the money that I had in my account prior to the breach. Subsequently, I received XXXX calls from their collections department claiming that I owe them money for overdraft fees associated with my account. I explained to the agents both times that I had a fraud case, did not owe them any money and wanted to know who to get my money back. Each time they said, we will call you back and nothing. I then received a cancellation of debt XXXX for {$960.00} for XX/XX/XXXX. I have attempted several times to call the fraud XXXX and it goes straight to voicemail. I was treated as if I was the criminal and not the victim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-27 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I received a targeted promotion in XXXX, 2016. The offer code is XXXX, which is earn XXXX AAdvantage bonus miles if I open a Citigold account and with in 60 days complete : 1. XXXX qualifying bill payment for XXXX consecutive months 2. spend {$1000.00} in purchases using the Debit card I signed up for the account at the end of XXXX, but I did n't receive the debit card and pin until early XXXX. 
I had less that 30 days left to complete the XXXX requirements and it was impossible for me since XXXX of them ask for XXXX consecutive months. 
I chatted with the Citi online representative in late XXXX and was given until the end of XXXX to complete all the requirements. I did complete all the requirements in XXXX and I did the online chatting again, the representative confirmed about the extension and that I completed all the requirements in time and I will be rewarded automatically. 
Over 3 months have passed, there is still no bonus miles posted as promised. Citi wo n't acknowledge the extension I was given and insist I did n't complete all the requirements in XXXX. 
If Citi do n't correct this dishonest mistake upon this complaint : 1. I will pull all my money from Citi, which is over XXXX USD. 
2. I will write to the Citi Executive office. 
3. I will publish the story and all the evidences I saved to public media. 
4. I will write to the State senators ' offices. 
Please check the online chat log on XXXX XXXX. It will prove that I was given the extension until the end of XXXX to complete all requirements.

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 2017-02-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC.
State: UT

Complaint narrative:
Loans were taken out in my name fraudulently by XXXX / XXXX between XX/XX/XXXX - XX/XX/XXXX. These include federal, private and military loans. I have tried to combat that, and the issue is n't moving. My loans were listed XX/XX/XXXX and ALL subsequent law suits against the school. Navient was to place them all in deferment/forbearance and never did. They sent confirmations that it had been done, but took my tax refunds and continued collections. I did get the USDOE email confirmation that the loans would be discharged, and it has n't been done. Because the school took XXXX+ loans in my name, Many with no signature, I ca n't get approved for anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-09 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Dynamic Recovery Solutions, LLC
State: NE

Complaint narrative:
I cancelled a cell phone agreement after the contract was up, and was charged a cancellation fee. I cancelled the phone in 2004, and was willing to find the collection companies because I knew my contract was up. I have a file with all the demands from XXXX, as well as all of my response letters. I have written in response to at least XXXX different collection companies and have never received a response or verification of a contract or any debt owed. 
I have been getting these demand letters for the past ten years. Enough is enough. this is harassment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-09-02 00:00:00
Product: Debt collection — Payday loan
Issue: False statements or representation — Indicated committed crime not paying
Company: QC HOLDINGS INC
State: IL

Complaint narrative:
On Monday XXXX XXXX, 2015 around XXXX, someone called my sister n law 's phone looking for me and she told them that they have the wrong number. I called them back and spoke to a man who said that I was being accused of fraud for writing multiple bad checks and that I owed around {$5400.00} in fees. He said that I probably just made a mistake and that could settle this for about {$1000.00}. I told him that I needed him to send me something in writing to verify this and he told me that he did not have to because it was past the point of collections. I told him that the conversation would be over if he could not provide this information to me and he began yelling at me and hung up on me. When I came home i also received a voicemail from this same number just stating that there was a claim in their office and I needed to contact them back. On Tuesday, XXXX XXXX, 2015 at XXXX, I received another call from this number. I called this number back and spoke to a woman who identified this company as XXXX XXXX and stated that she was not a debt collection agency, but a mediation agency. She stated that I was being accused of fraud for writing bad checks as well and I explained to her that I would need something in writing stating what I was being accused of and how much I owed. She said that if I did n't resolve this issue that I would be referred to the county for fraud. She told me that they had me on camera walking into a loan store and writing a bad check and that is considered fraud. I then told her that I did have a payday that I took out in the past that defaulted and that I tried to make a payment arrangement with that company and the company did not want to accept my arrangement. She told me that I could settle this for about {$1000.00} and I told her that I needed to see what I was being accused of in writing first. She kept insisting that I make a arrangements with her and I kept insisting she give me something in writing. After going back and forth she said that she was just going to send this in and that I needed to get an attorney and that I would be liable for about {$4000.00} and hung up on me. I have this conversation recorded on my phone and can email it to any party that needs this or I can replay it. I tried XXXX this company and found no results. This woman did have some information about this debt but was not accurate. I believe that this company has violated The Fair Debt Collection Act for accusing me of a crime for owing a debt and accusing me of writing multiple bad checks because I took out a payday loan that defaulted. They also are not representing themselves as debt collectors which is also fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-09 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Hello CFPB, thank you for taking the time to review my complaint. On XX/XX/XXXX I went into a Wells Fargo branch and worked with a bank representative to close my Wells Fargo Checking account, Savings accounts ( XXXX ), and Credit Card account. I received notification that my checking account and credit card were still active and intact in XX/XX/XXXX, despite the fact that wells Fargo told me the accounts had been closed. In response, I returned to the bank on XX/XX/XXXX to close these accounts again and explain that there was an error and the accounts were supposed to be closed two and a half months prior. Today, on XX/XX/XXXX, I received word that my Wells Fargo credit card account is still open. I am frustrated with the misinformation that Wells Fargo has provided me twice now, concerned that more Wells Fargo accounts remain intact in my name ( despite my repeated attempts to sever my relationship and close my accounts with Wells Fargo ) and so I am filing a formal complaint in the hopes that more consumers are not misled by the bank. 

Thank you, 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
Consumer complaint received 2016-11-02 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: IL

Complaint narrative:
Since XXXX of XXXX, I have been contacting HSBC for a recorded documentation of a lien release from a loan in XXXX. I have filled out the appropriate paperwork ( see attached document ) and called several times within the month, and they said I had to wait a whole month before they would provide the lien release. This lien release is needed by XXXX XXXX XXXX XXXX to fulfill the requirements for my home re-modification. On XXXX XXXX, I called HSBC on this number XXXX, extension XXXX, and spoke to a gentleman on a conference call with my financial adviser, XXXX XXXX, from XXXX XXXX XXXX XXXX. He said that HSBC did send " something '' to XXXX XXXX, and its most likely the recorded lien release. However, XXXX XXXX told me that it was not the lien release. On XXXX XXXX, I called HSBC and asked them once again to check into my case, and apparently they did not work on it since my initial request in XXXX. THIS is after I called several times asking status, and they said they were working on my request. I explained to them once again, my situation that XXXX XXXX is threatening to foreclose on my home, because they have asked for this since XXXX, and I have not received any documentation. A very nice lady XXXX XXXX said she would get on it, but as you can see from the attached emails, she too can not get a response. 

When I called the Recorder of Deeds, they said there are two documents that refer to the same lien. Those document numbers are : XXXX and XXXX. They BOTH refer back to the same lien. I have also called HSBC as well as emailed them this information. 
There seems to be a very callous, uncaring response on HSBC to fulfill what they are supposed to do, without any understanding of the impact on my life. I need my home to live in, for my business and to take care of my elderly mother. 

I am looking to HSBC to please to submit the satisfaction letter I need, so that this daily threat of foreclosure does not loom over my life everyday and so that my life, is not on hold anymore.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-04 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ERC
State: TN

Complaint narrative:
I checked my credit report and discovered that this company has reported that I owe him a debt but I never received anything from them prior

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-03 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Monterey Financial Services LLC
State: IL

Complaint narrative:
I never bought anything from this company it was a frauglant charge.. I never paid it. Because I was never aware of it

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-16 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Debt Recovery Solutions, LLC
State: CA

Complaint narrative:
I have received XXXX notices from this company called Debt Recovery SolutionsLLC. 

I was informed through the letter that they had bought my account with a bill from XXXX with a bill of some amount of money. i didnt take action. They sent me another letter later that is shown through the attachment. They asked me for about {$340.00}. I called them and before they asked me to say my last XXXX digits of ssn, they said my last XXXX digits and asked me if it was correct. After i asked a few questions i hung up and started to have suspicion because of few reasons. 

1. I was a XXXX customer but right now when i received the letter i am a XXXX customer and i had payed off the rest of the bill. 

2. It was weird they knew my last XXXX digits of ssn even before i said it. 

3. I had businees with XXXX NOT XXXX. I didnt ever owe anything to that company. 

4. When i called them and told them that i would report them they threatened me about my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-19 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
I authorized a charge to have Bank of America Privacy to charge a monthly fee to my credit card for fraud protection. My husband and I have divorced and I have continued to ask Bank of America Privacy to stop the charges as I no longer authorize them to continue. They will not let me stop the charge. I am the owner of the credit card, and have always been the lead account owner. I have gone to Bank of America and stated I have asked them to stop the charge and they will not do so, so I wanted to dispute the charges. They will not let me dispute the charges. I feel this is a catch 22, and I am the one suffering these monthly charges that I have wanted to stop and they are making money at my expense. I am asking for your help as I feel my rights are being violated and I need this money to go towards other expenses.Please help me!

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