vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-01-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Flagstar Bank, N.A.
State: CO

Complaint narrative:
I was on a trial modification plan and my loan was transferred to a new service provider on XX/XX/XXXX. My modification was canceled after the payment from previous servicer was not transferred and my home was foreclosed on and sold on XX/XX/XXXX. I was told to send the document showing patent previous servicer. I did that on XX/XX/XXXX. I didnt receive a response, so I assumed I was fine. Later on I find out that the servicer sent correspondence via email but it went into the junk box. It stated that the file format I sent the document in was not acceptable. So, Ive since re-sent the document after finding out this information in the correct file format. I was also told by my point of contact at loss mitigation that upon receiving the document it should not affect my trial modification. And also because the loan was just transferred to a new servicer theres a 60 day grace on all new transfers. This was a wrongful foreclosure. The new servicers phone lines have been busy and it asks me to leave a call back number but I never received a return call. I tried to make my payment online but was blocked, I tried to make payment on the phone via automated system but was blocked. I called nearly every day and when I finally get through to a representative Im told the trial had been canceled and that Id need to reapply. This was on XX/XX/XXXX when I was told to reapply without being told that my home was going into foreclosure sale on XX/XX/XXXX. Why tell someone to reapply if the home is being sold the following day? Very misleading and confusing. Please help!!!

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 2019-01-10 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Can't close your account
Company: Colony Brands, Inc.
State: OK

Complaint narrative:
In XX/XX/XXXX I contacted XXXX XXXX XXXX to close my credit card account. I received the attached letter confirming this request also in XXXX. I always check my accounts to ensure they were closed so in XXXX I saw the account was not closed and contacted them by phone, I do so again in XXXX and again in XXXX. I finally wrote an e-mail and received the attached response that the account was closed in XXXX and yet today I logged in and found the below ( please notice the XXXX XXXX date of today : Welcome, XXXX! Thanks so much for being our customer! Update your account, track orders, make payments and more right here, anytime you want. 
XXXX XXXX Account # XXXX Change Account Plan O Credit Status as of XX/XX/XXXX Available Limit {$1300.00} Balance {$0.00} Credit Limit {$1300.00} I want the account closed with no credit limit. I simply do not understand their failure to so after repeated requests and continually telling me the account has been closed. See attached letter and e-mail. This is a travesty and increases the chance that someone could get hold of this account and commit fraud. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: VA

Complaint narrative:
apply for a delta skymiles credit card. When they applied, they offered me XXXX thousands, after spending {$3000.00}, I spent more than that and paid interest in order to earn the miles, and I called to see what happened and they said they would not give it to me. 
because at the time of applying they say that they will give the reward.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: NC

Complaint narrative:
I lost my job in XX/XX/XXXX. For part of this time I was drawing unemployment, for part of the time I was doing some self employment work. I discussed this with the lender and asked about payment based repayment. I was told that since I was unemployed I was not eligible and that I needed another forbearance. During the summer of XX/XX/XXXX, I became very depressed due to my inability to find a job and worsening complications for XXXX and pain issues. When my forbearance was over, I was told that I no longer had a forbearance to use. This was approximately XX/XX/XXXX. My medical conditions had continued to worsen and I had XXXX on my XXXX. I went into treatment in XX/XX/XXXX for 28 days. While I was in treatment, I started getting late notices and the loan went into default. I continued to speak with the servicer about my options. I could have qualified for a income based repayment plan but again was told I was unable to go on that plan because I was not working ( I was still doing some part time self employment ) I was not eligible for income based repayment schedule. In the fall of XXXX I had continued failing health and applied for Social Security XXXX. My loan continued in default and I was told that I did not qualify for a XXXX discharge because my XXXX was not approved by SS. At some point this in XX/XX/XXXX or XX/XX/XXXX I was told I complete a special program and get my loans out of default by making 9 {$200.00} payments and that my credit history would be erased. I was advised that after that I could go into an income driven repayment. 
I struggled to make those payments and completed the program. I was eventually awarded XXXX with an onset date of XX/XX/XXXX. My income driven repayment has been {$0.00} until I qualified for a XXXX discharge. 

This misinformation has cost me in several ways. My credit has reflected multiple months of XXXX months of late payments. This has made it virtually impossible to get a loan, causes me to pay higher auto and homeowners insurance, made my credit score drop into the low XXXX and, if offered credit, it has been at ridiculously high rates. It has caused my balance to balloon. Had I been told I could apply for income driven repayment I would be 8 years ahead on total discharge. If I had been told about a medical discharge based on doctors affidavits, my XXXX onset of XX/XX/XXXX would have XXXX the loan almost 4 years ago. Finally, the misinformation forced me to pay {$1800.00} unnecessarily to get my loan out of default. 

I have filed requests through the credit bureaus 4, or more, times and they have thus far refused.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Innovis
State: AZ

Complaint narrative:
On XX/XX/2017 Cbcinnovis Did a hard Inquiry on my account They had my permission then. They did another Inquiry on XX/XX/2017 and XX/XX/2017 They had my Permission to run my credit. 

Months passed by and on XX/XX/2017 they did another Hard Inquiry and again XX/XX/2017 and another on XX/XX/2017 I called Cbcinnovis and I asked why they had ran my credit again, they said it was a mistake. They had another customer with the same name and accidentally ran my credit. I asked if they can take care of it and they said yes. I waited and they haven't done anything to fix it. It has now been a year and still no movement. I am very upset as a consumer because it has had a negative affect on my credit. I am trying to fix my credit at the moment and this is not helping

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-10 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I opened a savings account and money market account at Capital One bank within the past year. There have been numerous problems with transferring funds and I have tried to address these by going into branches and calling their service departments. I continue to receive the run around and requests for escalations have taken weeks to get a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-10 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Harris & Harris, Ltd.
State: IL

Complaint narrative:
I called XXXX and spoke to Ms. XXXX from Harris & Harris on XX/XX/XXXX. I told her I could not receive personal calls at my job. She insured me she would take my work number off of the list of numbers to contact and add my cell phone number instead. Today, XX/XX/XXXX, I received another call from the same company. They left the number XXXX for me to call back.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc.
State: CA

Complaint narrative:
Since XX/XX/XXXX I been contacting our mortgage company, Dovenmuehle Mortgage Inc. to address the need to make our tax payments and correct our impound account. 

The property in question is in the county of XXXX XXXX, purchased XX/XX/XXXX. The mortgage company began an escrow account ( in which we requested, but they will not let us close now ), at approx {$10000.00} annually ( two installments of {$4900.00} each ). 

The county issued a secure property tax bill ( {$770.00} x2 = XXXX ) and two supplemental property tax bills ( {$4300.00} x 2 and {$170.00} x 2 = XXXX ) instead of combining them in to one bill with two installments. The mortgage company paid the supplemental property tax bills as I requested, however are still showing that {$4900.00} is due in XXXX, hence stating we have a shortage in our impound account. 

They have requested documentation from the county reflecting otherwise to make the changes to the impound account as they increased our payment by {$390.00} at month. I have provided this documentation several times, however they are now stating they will continue to collect the higher amount until they reanalyze the impound account in XX/XX/XXXX. Per the supervisor, ( I can't get anyone higher to up to call me ), they will only pay what the county reflects is owed in XX/XX/XXXX, and they have the documentation reflecting it is only {$770.00}, however they WILL NOT make the changes to the payment amount. Hence, we will be required to continue to pay them the {$390.00} a month unnecessarily until they want to change it and then reimburse the funds back to us. Why do they have the right to collect money they agree they don't need? This puts us in financial strain and if we don't make the payment we may loose our property. 

Secondly, if they make the payment to the county of {$4900.00} instead of the amount due, we will show a shortage and then again risk loosing our property. 

I have sent attachments to them on 12 occasions since XXXX XXXX now and we have gotten no where. 

PLEASE HELP US.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-10 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Big Picture Loans, LLC
State: GA

Complaint narrative:
I am trying to pay off the loan without the excessive interest charge. I am willing to pay off the principal but they do not want to negotiate.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-10 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
They will not stop calling me and harassing me over an account which is not mine. They call me from different numbers.

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 2019-01-10 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Guild Holdings Company
State: AK

Complaint narrative:
On XX/XX/2017 i was asked to repair a water service hooked up on XXXX XXXXXXXX companys utility in XXXX XXXX alaska amd the residence address was XXXX XXXX XXXX XXXX XXXX XXXX XXXX owner by XXXX and XXXX XXXX it was emergency services as I do all XXXX XXXX repairs and in the terriff amd application the XXXX   signed when they signed up for water service it stated that XXXX XXXX ownes its main lines only and the homeowner is responsible for maintence and any and all costs to keeping it in repair and working correctly keeping in mind its 3 days before XXXX and -30 degrees or colder so Mrs XXXX asked me to repair the service for them and I did they filed a insurance claim with XXXX and they pd the bill in full. 
Guild morguage company is who the loan is thru and is the worst company ever they refuse to release the fund Im owed keep giving me the run around they pd one of three payments they pd XXXX dollars in a check made to me and still owe 22+k dollars to me at first it was we have to get an inspection. Now over a yr later they wont even return or call me back the last time I herd from them they said the complaint department would be handeling this to see if any money is owed to me, how can a mortgage company decide if what the insurance company being XXXX pd in full is owed to me or not it has nothing to do with them the homeowner wasnt behind on any Payments so why a yr later are they not paying me the last two payments Im about to loose our house and my XXXX yr old grandfsther is about to be out in the cold over 22k dollars my name is XXXX XXXX my number isXXXX and my email is XXXX please contact me any time thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-10 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: TX

Complaint narrative:
I received a letter from Citicards dated XX/XX/XXXX alerting me to a check in the amount of {$140.00} which was issued to me on XX/XX/XXXX and remains uncashed. It instructs me to contact the Customer Service telephone number on the back of my card if I did not receive the check, which is the situation with me. I did that, and after 30 minutes on the phone, neither the representative nor a supervisor were able to figure anything out. The letter identifies an account ending in XXXX, but Citicards was unable to find any account ending in that number. 

I asked for the phone number for the Citicards Executive Response Unit and was given a phone number for a Citicards third party contractor by the name of XXXX, who claims this is not their area of responsibility. 

I would like to have Citicards reissue a check to me for the {$140.00} I am due, but Citicards is unable to locate the account.

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 2019-01-10 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Receivables Management Partners, LLC
State: MI

Complaint narrative:
Medical care should have been covered by state provided medical insurance at the time. XXXX Hospital has also been involved recently in a settlement for a class action suit which I have received notification which may include this billing cycle.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: DISCOVER BANK
State: CA

Complaint narrative:
Discover Bank, on XX/XX/2019, concocted a fictitious charge : OVRSHTCR TELLER CASH OUT CORRECTION - {$40.00} with no basis in reality. When confronted about their fraud, they chose to ignore it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I received a notice that I am being sued for debt collection by XXXX XXXX XXXX XXXX on a closed/and or charged off amount on a Synchrony Bank (Lowes) credit card and must respond/appear in court in 19 days. I have been disabled by a judge and only receive Disability benefits and cannot drive to appear in court, Account opened in XX/XX/XXXX,state of Texas, amount $XXXX. Any advice on this matter is appreciated,

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 2019-01-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: BARCLAYS BANK DELAWARE
State: WA

Complaint narrative:
On XX/XX/18 I did a balance transfer with them and they did a double transfer on two of my credit cards that I wanted paid off. This has been over a month ago now and not resolved. I talked to a manager in late XXXX and she assured me it would be fixed in 2 weeks. Never happened. Talked to another manager in XXXX she assured me it would be fixed and she would call me back in 24-48 hours. Never happened and she never called back. Talked to another manager in XXXX and he said it takes 30 days to fix. Again, that never happened. Filed a XXXX complaint and was contacted by XXXX but I wasn't available to talk to her so she left her name and number. I called her back yesterday and today and left messages to call back and that never happened. Meanwhile the credit card that I have with them is over the limit and I'm sure will be reported and my credit score will be destroyed. On top of that the minimum payment that I was supposed to pay is much more than I would have to pay because of this mistake. Needless to say this is all very frustrating and I need help quickly before my payment is due on the 16th if at all possible. Thank you.

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 2019-01-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Netspend Corporation
State: TN

Complaint narrative:
I have gotten paid from XXXX and had direct deposit set up with my XXXX XXXX NetSpend card. I have had no money from my paycheck loaded to this card for my pay date. I show on the XXXX application that XXXX has released the funds but NetSpend is saying they do not have the funds. I have not gotten my pay and can not get a resolution from NetSpend. The amount is {$900.00} as well as a payment from SSI in the amount of {$1400.00}.

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 2019-01-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have requested my free annual credit card thru Annual Credit Report ( XXXX ) two time in XX/XX/2018 and still have not received the report from Equifax. I requested on XX/XX/2018 and again on XX/XX/2018.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Freedom Mortgage Company
State: CA

Complaint narrative:
I have submit the CFPB complaint XXXX-XXXX  to request the evidence. 
However, XXXX XXXX XXXX Director Customer Service Freedom Mortgage Corporation said " We have reviewed your complaint and researched the issue regarding your request for documentation. Since you are in litigation with a third party, we would need a subpoena from you before we can release the requested information ''. 
So I filed a subpoena and use process server to served. 
However, till now neither the court clerk nor I received the documents. 

Thanks a lot 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 2019-01-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Atlantic Credit & Finance, Inc.
State: NC

Complaint narrative:
XXXX called XX/XX/19at XXXX XXXX. began questioning me about why I got behind on payments on a dept to XXXX XXXX XXXX.   She never asked any verification questions to find out if I was the correct person. My number has been on the do not call list for over 10 years. How can this company be allowed to fish the internet for a phone number for another person with my same first and last name, and call the number if it is no the donotcall list? What is the purpose of the donotcall list if it doesn't prevent debt collectors from hassling me because I have the same name as someone else? XXXX help those named XXXX XXXX. Please find a way to stop these companies from calling my number just because they can find it online and I have the same name as a debtor. Company is Atlantic Credit and Finance, XXXX XXXX XXXX XXXX  VA XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief