vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-10-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: FL

Complaint narrative:
Credit not being applied to load balance. Ditech keeps making excuses ; they verify they have the payment, but refuse to use it. I tried several times to have them apply this amount to the next monthly bill, ended up having to make late payments because they didn't apply as they had been asked to do. 

The issue may have started in XX/XX/XXXXbut was exacerbated in XX/XX/XXXX. Two payments were applied in XX/XX/XXXX. Both are acknowledged by Ditech when talking with them on the phone. This acknowledgment has done by several agents in the multiple phone calls with them to resolve the problem over the overpayment. In previous phone calls, it was understood that the over-payment would be applied to the next month 's mortgage bill. Instead, it was not, and late fees have been applied. I am providing the invoices so that the new interest charges for XX/XX/XXXXcan be seen. XX/XX/XXXXwas the month the overpayment should have been used. Ditech had the entire month to apply this over-payment, instead, they chose not to apply it for XX/XX/XXXX. Another couple of phone calls were made. We were told that an investigation needed to happen, and they wanted back statements to prove what they had already acknowledged as a payment in their system. Again they were asked to apply that over-payment to the bill immediately. They did not. They were asked to use it for the XX/XX/XXXXpayment, and they did not. After multiple phone calls in XX/XX/XXXXand XX/XX/XXXX, they still have not completed this supposed " investigation '' on their part. 

I called twice this week. Today I was on hold for a supervisor for 55 minutes before they hung up on me. I see multiple complaints about them delaying/making excuses about applying the credit toward the monthly payments. It appears this is the method they are using to rack up late fees. Things seem to have gotten worse since their chapter XXXX filing. 

I am looking for a solution to this overpayment, which they acknowledge but refuse to refund or apply to the monthly mortgage payment. 

Please let me know what info I can provide to help with this recovery of funds paid. Thanks for any assistance you can provide.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Grant & Weber
State: CA

Complaint narrative:
I have previously sent my police report and the affidavit to each credit bureaus via certified mail I have mailed the documents several times over the last four months. The last time I mailed the documents was XX/XX/2019. I have also filed Identity theft with FTC. No actions have been taken by the companies.

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 2019-10-30 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Mr. Cooper Group Inc.
State: IL

Complaint narrative:
There are forged Promissory Note signature page which has been brought to Mr. Coopers attention and they simply deny any understanding of the differences. Please explain the differences between the XXXX documentation I am providing and Mr. Coopers documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-30 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: NC

Complaint narrative:
On XX/XX/2019, I opened a new checking account with Fifth Third Bank. 

On XX/XX/2019, I tried to add an external account ( in my wife 's name ) online so that I can fund the newly opened checking account. 

On XX/XX/2019, the external account was sucessfully verified ( Fifth Third Bank made two small deposit and asked me to verify the amount, to make sure I have access to that external account ). Then I initiated a transfer of {$1400.00} from that external account ( XXXX  XXXX XXXX ) to the Fifth Third checking account. 

On XX/XX/2019, I was notified by email that the transfer did not complete, and my checking account was suspended for money transfer temporarily. It asked me to contact Customer Service at XXXX to resolve the issue. 

I immediately realized that I should not have tried to transfer money from an external account that was under my wife 's name to the Fifth Third checking account under my own name. I truly understand that some bank has such policy for security purpose. 

Then I called the number, but the associate insisted he did not see anything wrong with my account. After escalating the issue, he confirmed my guess that it was because the external account I tried to transfer money from was in a different name than mine. But he ensured me that the issue was resolved and I should be able to use it after a few minutes, log out and then log in again. 

It never worked. After a few days I still could not use the money transfer service. So I called the customer service again. This time was even worse, because the associate had no idea what was going on. I explained that because of my mistake, my transfer was suspended and asked her to help reinstate it. Again she insisted that there was nothing wrong with my account, and she kept asking me to change web browser, and clear cache and cookies. I did what she told me to, and of course it did not help. Then she escalated again, and when she was back, she told me that a new account less than 30 days old does not have the online money transfer function. And if I wanted to fund that account, I would have to go to a branch to deposit a check or cash! I was totally unsatisifed with the answer, because that was not right! She did not know what was wrong and she did not know how to solve it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I purchased some items from two retail stores. One online at XXXX ( XX/XX/19 ), and one in store at XXXX ( XX/XX/19 ). I used my citibank debit card for both purchases. I later needed to return part of my purchase from the XXXX order, to the value of {$120.00}, and the item from XXXX to the value of {$49.00}. I went in store to return the XXXX item ( XX/XX/19 ) and mailed the XXXX items back to await my refund ( XX/XX/19 ). I then needed to close my Citibank account the following day ( XX/XX/19 ), being told by Citibank that there were no pending transactions on my account and that it was safe to close. XXXX informed me that their refund would not process to a closed account and that it would instead bounce back, at which point I would be able to request them to send the money to a different account. XXXX gave me similar information, that the refund should bounce back and they could then process the refund to a different account. After waiting the requested amount of time by both retailers ( up to 10 business days ) I contacted both retailers and asked if the money had bounced back, however both said that the money had been accepted by Citibank ( and sent their proof/bank response codes, attached ). I then called Citibank to locate the missing refunds, however they informed me that there was no possibility of the money being deposited into a closed account and they did not receive the funds. Since then, I've visited several branches, and spoken to several representatives at Citibank who all said Citibank could not locate funds and therefore the funds were still with the retailers. The bankers even submitted tickets to technical support ( twice, one of these is attached ) which I never received ANY responses to - not even a negative response, I was completely ignored. One banker told me the money would be located within a ledger at the branch that I opened my account in, so I went to that branch and of course they could not locate the funds in the ledger. It has been months and I've spoken to every possible person that could help me from all three companies and no one can locate the funds. Please see attached my final statement from Citibank that shows both purchases highlighted, with no refund amounts from either merchant present on the account by the time of closure.

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 2019-10-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC.
State: TN

Complaint narrative:
Student loan from Sallie Mae in XX/XX/XXXX still on my credit report that states in default collection. Called Sallie Mae when I payed everything off! Represtative stayed all loans were ALL PAID OFF IN FULL. Merged with navient got collection letters calls. No bills to my address never once did I receive a bill! This account was in XX/XX/XXXX and should have been removed permanently in XX/XX/XXXX even if I was in default which I wasnt! This is unlawful and unacceptable when I have paid this off. Not to mention got a confirmation from the representatives. Now I am struggling with correcting my credit. Also going thru XXXX. And lastly the school has been CLOSED. I just want an honest person to close my account so I can more on with my life and not deal with this outrageous account balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ECMC GROUP, INC.
State: TN

Complaint narrative:
Student loan from XXXX XXXX in XX/XX/XXXX still on my credit report that states in default collection. Called XXXX XXXX when I payed everything off! Represtative stayed all loans were ALL PAID OFF IN FULL. Merged with navient got collection letters calls. No bills to my address never once did I receive a bill! This account was in XX/XX/XXXX and should have been removed permanently in XX/XX/XXXX even if I was in default which I wasnt! This is unlawful and unacceptable when I have paid this off. Not to mention got a confirmation from the representatives. Now I am struggling with correcting my credit. Also going thru XXXX. And lastly the school has been CLOSED. I just want an honest person to close my account so I can more on with my life and not deal with this outrageous account balance.

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 2019-10-30 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: KY

Complaint narrative:
Started with XXXX in XX/XX/XXXX. I had a XXXX XXXX and I was advice to slowdown working. 
I was working for XXXX in XXXX XXXX XXXX XXXX. I was granted my XXXX on XX/XX/XXXX. 
My next goal was to the XXXX in XXXX on XXXX XXXX, granted on XX/XX/XXXX. 
The next was rectification for XXXX XXXX on granted on XXXX. 
XXXX XXXX XXXX XXXX. 

When I completed my education working on the documents listed. I started my education XX/XX/XXXX through XX/XX/XXXX. My work was after work hours. 

NAVIENT bought my education work. I was advice by NAVIENT that I had approximate {$31000.00} of work that I was to complete. XXXX advised me that I had no payments. Not sure they had any time or work to complete. I am a XXXX XXXX XXXX veteran. 

I am veteran with XXXX due the XXXX XXXX XXXX with a XXXX and I am with XXXX  problems. I am not working now and I was out of for 15 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-30 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
My parents ( my name is on the certificate as well ) deposited {$11000.00} dollars into a " Savings Certificate '' at XXXX XXXX on XX/XX/XXXX94 which is now Bank of America. It earned interest and was set to mature in 36 months. The savings certificate looks like a check and has an area for the endorsement on the back. My parents put the certificate in their safe deposit box and forgot about it. The bank has no record of the certificate and stated that their records only go back 7 years. They told us to check with unclaimed property. We checked with the Georgia Department of Revenue and unclaimed property and it is not there either. I also called the Bank of America corporate office and was told the same thing as the local Bank of America.

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 2019-10-30 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: MI

Complaint narrative:
At the end of a specified period, Wells Fargo transitions a HELOC from a Line of Credit to  Repayment. In repayment, the consumer agrees to a fixed rate, fixed term repayment arrangement and can no longer access the line of credit. However, for billing purposes, Wells Fargo continues to treat the loan in repayment as a line of credit. In doing so, WELLS FARGO IS SYSTEMATICALLY PREVENTING CONSUMERS FROM PAYING A KNOWN, FIXED BILLING AMOUNT IN ADVANCE until it gets around to posting a bill. This puts in place an arbitrary barrier preventing consumers from effectively managing home equity debt, with the bottom line effect of increasing the cost of credit to consumers and increasing interest revenue flowing to the bank. 
The bank will argue that one can always make a principal repayment ; HOWEVER, THE SUBSEQUENT BILL DOES NOT ACKNOWLEDGE OR ADJUST FOR THIS PARTIAL PREPAYMENT - i.e., the consumer will still be responsible for the full fixed payment when subsequently posted - with obvious negative cash flow consequences to the consumer and interest accumulation benefits for the bank. 
I also have a mortgage with Wells Fargo and within 1-2 days of making a payment, a new bill is posted for the next month for which a payment is due, which I am free to pay. 
Both of these instruments have fixed terms, fixed rates and fixed payment amounts, but only one is cynically structured to trap the consumer desiring to pay in advance into unnecessary interest payments. 
Beyond this, Wells Fargo continues to move the date around when it posts bills. The result of this is that the split between principal and interest is not predictable and is manifestly unfair. Example, for the latest billing cycle payment - which I paid on the day the bill posted - my interest charges were 9 % higher than the prior month, DESPITE THE FACT THAT I HAD REDUCED PRINCIPAL BY NEARLY {$2300.00} IN THE PRIOR MONTH.

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 2019-10-30 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: WELLS FARGO & COMPANY
State: MI

Complaint narrative:
I would like to know why the 7year statue of limitations has not been adhered to by this company. This account is over 13 years old. I have hired XXXX XXXX on my behalf with no acceptable results. Wells Fargo fraudulently pushes up the date the account was closed and charged off I think in an attempt to supersede the statue? As you can see on my XXXX report, they keep falsely reporting history for recent years. 

I even asked them for a payment for removal just do be done with it and they refused. 

The account shows opened on my credit report XX/XX/XXXX for {$2300.00}. The account was closed and charged off in XX/XX/XXXX I believe. 

XXXX XXXX has been sending them letters trying to resolve the issue for almost two years!

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 2019-10-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I have sent affidavit and identity theft police report to each credit bureaus and nothing has been done. The balance for this account is {$1700.00}. The last time I sent the documents via certified mail was XX/XX/2019.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ID Analytics, Inc.
State: TX

Complaint narrative:
On XX/XX/2019, my wife and I went to purchase a XXXX XXXX XXXX ( used with XXXX miles on it ). Our credit was run and we were told by the dealer, we had excellent credit 800+ ( as my wife and I were already aware ). We were given an interest rate of 5.9 %. 
On XX/XX/2019, we received a letter in the mail stating our credit report was ran through XXXX  ( score of XXXX ) and SageStream LLC ( score of XXXX ). The reasons given by SageStream LLC for our score were ; Too few active accounts, Limited Credit History, Too few installment accounts, Proportion of satisfactory trades too low. 

My wife and I both received very similar scores on both reporting agencies. We have fully paid off three vehicles ( two being brand new ), credit lines ( not maxed, paid in full, all bills paid on time, etc etc. ) I looked this company up and found this to be a VERY common problem in which people go with great credit and receive high scores from every but SageStream LLC. I personally don't like this company low balling me and potentially getting me a higher interest rate, when I am very financially savvy.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-30 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: EQUIFAX, INC.
State: NY

Complaint narrative:
Problem with my Equifax credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
About 15 months ago, I got sick and lost my wallet with all of my Credit Cards. I made a call to all of the banks who gave me card, Someone found my wallet with my cards in and begin using them and run my balance up to {$60000.00} with chase Bank and the other chase card was $ XXXX.I have been writing them to get off my credit report, Again I am XXXX years old black man, I have alway paid my bills on and have banking with a chase over 20 years.. I have has my lawyer write a letter form me about this issue, I have written a letter to all of the credit reporting agencies for help, and file a Police Report with the city of XXXX, CA, File with XXXX and Identity Theft Victim Complaint and Affidavit. they still won't take this off of my XXXX Credit Report. I can use help. I have summited all the documents to and the Chase Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-30 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Prime Recovery LLC
State: CA

Complaint narrative:
A man by the name of XXXX XXXX from Prime Recovery legal team called my brothers cell phone number and stated he was lookingfor XXXX XXXX saying I had wrote bad checks and I made good by paying these debits but those checks were returned to. XXXX ... XXXX XXXX seems to have the reputation by checking into this mysekf, this seems to be there tactic He's from XXXX XXXX and calls from XXXX This XXXX XXXX  needs to be stopped. Truly false information to call my brother and state I wrote bad checks, this is more than a false statement false and is slander I need to go after these XXXX XXXX legally you need to help with that!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: GLOBAL CLIENT SOLUTIONS, LLC
State: LA

Complaint narrative:
I contracted with XXXX XXXX XXXX dba as Global Client Solutions LLC for consolidation of debts.The agreement was that I would pay {$270.00} for 36 months. 

The groups debited my account for 19 months past that agreement and when I contacted business they sent me a check for {$820.00} instead of {$4300.00}. 

I have worked with the XXXX XXXX XXXX and tried to settle with them for 6 months through letters and phone calls. The XXXX  report shows they have an F Rating and will not respond to XXXX complaints. 

When I called the CFPB we were told that the FTC has taken action against them and I would like to be included in that action. 

Pertinent documents accompany this complaint.

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 2019-10-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
car loan on all credit reports showing in collection and charge off for XXXX on paid vehicle. the company is bank of america n.a. I have sent dispute letter to them with no reply. within a couple more days the will be in default of fcra rules that give the 30 days to reply to dispute. this issue is not getting resolved with them. the acct number is below for bank of america n.a. 

Contact : XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX XXXX Account status Charge off/ Collection Date opened XX/XX/2014 Account type Auto Loan Balance Loan Amount {$400.00}

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 monetary relief