vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-04-19 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Gitsit Solutions, LLC.
State: TX

Complaint narrative:
We were wrongfully Evicted on   XXXX   XXXX   XXXX    .  Kondaur refuse d to wait until our hearing scheduled  X/XX/17   .  Quash Writ of Possession.  This was unlawful and intentional sabotage.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-18 00:00:00
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: Home Loan Center, Inc.
State: MI

Complaint narrative:
Let me say first that I have already checked and AM COMPLETELY ELIGIBLE FOR THE HARP LOAN PROGRAM.   With that said : I was looking for information on the HARP loan program. I was on an advertisemtment page this page :   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   reading information about HARP. The link on this page took me to this page :   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   The HARP Program is being used to BAIT PEOPLE where their true motive is to write VA loans.   This advertisement is both misleading and  FALSE ADVERTISING. I n addition they used my information to do a HARD inquirey on my credit record. I ONLY authorized them to do a soft pull for purposes of using the information for HARP.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-19 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
BANK OF AMERICA  WO N'T STOP HARASSING M E!! Ten years of torm ent over flood insurance. I filed a complaint a few months ago. Now I ca n't log in. They continue to tell me I dont have flood insurance. Now they are telling me it 's not sufficient even thought I purchased it for exact amount they told me to purchase in writing. I was told verbally over the phone ( because they refuse to put anything in writing because they know it will come back to haunt them because they are such a mess ) that it was resolved. Then days later in another call I was told they are still working on it. Then I come home from a vacation to a stack of letters with it all starting over again telling me I dont have sufficient insurance. This has to stop. They have done this to me for 10 years. Are there any class action suits I can join. Can I get legal assistance to stop this insane harassement from the most messed up company on the plant. This is taking a toll on my health and it must stop. Who is going to come down on them for this kind of thing that goes on and on for years? This is serious and I want 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 2017-04-20 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: Continental Finance Company, LLC
State: NC

Complaint narrative:
Continental Finance  issued me a   XXXX  card  that was initially for {$300.00}. I understood that there was an initial processing fee and what my balance would be upon receipt of the card. I made my payments on time every month an thought that everything was fine. That 's when I discovered this was not the case. Just about 6 months or so after receiving the card, I called to dispute a duplicate charge on my card. A store that I had patronized inadvertently charged me twice. When I called  XXXX , I was given the complete runaround, left several messages, waiting for a call back that never happened, switched from  one  department to another, and when I finally did get a representative to submit my dispute, I was very detailed in my claim and he STILL only credited my account {$1.00} instead of the {$15.00} that I should have been credited for the double charge. When I called back again, I got the same runaround until I just dropped it altogether. Months later, I am shocked when I get my bill and see that my account is over the credit limit when I made no purchases that month! They charged a {$95.00} annual fee PLUS a monthly maintenance fee of {$10.00} that was never there before, AND an over limit fee!!! Needless to say I was outraged but when I call, of course I need to speak to another department where I am transferred to once again leave a message for a phantom representative that never calls back! Not only that, but the interest rate has ballooned up to over   XXXX   % interest!!! These people are predators and need to be stopped. The meager {$300.00} that they initially offer so graciously  may s eem like a great solution to an immediate situation, but it is a nightmare dealing with these people and a shame that they are allowed to prey on hardworking people like this! I am appalled.

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 2017-04-20 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: National Credit Adjusters, LLC
State: TX

Complaint narrative:
This debt has already been previously removed, but has been reinserted on my credit report with a new opened date and under another creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-18 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CITIBANK, N.A.
State: RI

Complaint narrative:
On   XXXX   XXXX   XXXX    , my wife made a credit card payment to   Citibank via phone for {$100.00}.
This payment was processed and then on the same date, Citibank made an unauthorized payment process for {$2900.00} to pay the balance on the card. We did not authorize this payment. The bank then charged our account for an overdaft. My wife contacted Citibank and their response was sorry nothi  ng they can do.

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 2017-04-20 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
This more to get correct information than a complaint.   I deposited a check from   XXXX   XXXX   in  XXXX  to a  Citibank i n  XXXX  on XX/XX/XXXX .I have accounts in both banks.Was surprised to find on the deposit slip :  Fundsfrom your  transaction will be delayed as shown below    XXXX   a vailable to  day, XXXX   XX/XX/XXXX , XXXX  XX/XX/XXXX ,  XXXX   on  XX/XX/XXXX  and the rest on   XXXX   total checks deposite d /cashed on this day exceeded {$5000.00}.   I thought the regulation was availavle fund is afte  3rd d ay when the check comes from bank in the same city.   There was a FDIC information on the counter that cash is available  one plus bus iness day.   Only answer from the ban k manager wa s this is our policy .When I asked him the FDIC  poster in the b ank he really did not have any answer other than saying bank policy I just would like to know where does the regulation state..

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-20 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I received your partial response asking for my personal information. Name  XXXX   XXXX   XXXX  Address  XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX  CA ,  XXXX . Soc-  XXXX . I will attach a copy of my Experian Credit report in addition, a request for accurate validation such as Name, Address, and  Telephone numbe r of the person that validates the item in question.

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 2017-04-19 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I found  XXXX   XXXX  CA  XXXX   US h as charged me on my  Chase Visa card  since  XXXX  {$0.00},  XXXX  {$9.00},   XXXX   {$19.00}. I do not have an idea about  XXXX  and how they got my visa card information? I have looked up  XXXX  and found many people were charged without any idea of  XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Brelvis Consulting, LLC
State: CA

Complaint narrative:
I was trying to contact  XXXX  about an approval for repayment plan, I dialed the number on the invoice  XXXX  and was directed to th e Student Loan Help Center. Aft er about a half hour of talking I found myself agreeing to a consolidation of  XXXX  student loans with {$0.00} monthly payments and forgiveness of all loans after 20 years ' all based on my annual income. In addition  XXXX   XXXX  explained to me that there was a {$790.00} fee to cover enrollment fee and the legal process to consolidate into  XXXX  loan. Later that night I read the document they sent for signature, signed electronically, authorizing the fee to be deducted from my account and finished. Shortly after I read on dept of education that there should be no fees incurred for student loan help or consolidation. I tried calling  XXXX  to leave a message to cancel and the call was answered by a general phone line and I was unable to leave a message. I did send an email to their support center and will request a refund in the morning. The funds were withdrawn as soon as I hit Finish. Please advise if this is a scam and how I can get my money 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 monetary relief
Consumer complaint received 2017-04-19 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: WI

Complaint narrative:
I currently have a mortgage with   Ditech.
Ditech   is directed to escrow funds for Taxes and insurance that come out of my monthly installment. My ending balance in escrow at the end of  XXXX  was {$420.00} after paying my taxes of {$2100.00}. However Ditech said they received a second invoice from the municipality for taxes and paid them again in the amount of {$2200.00}. In this case my escrow was in a negative balance and  Ditech to o the liberty of charging me on my escrow account showing I had a negative balance. The taxes have been paid in full with  Ditech se cond payment a nd Ditech was  issued a payment back from their tax department on   XXXX   XXXX   XXXX     in the amount of the first check of {$2100.00}. However my escrow account has NOT been credited. I have been paying interest on money they stole from me. I have been trying to get a payoff since    XXXX   XXXX   XXXX      and no one is helping me. I fee l Ditech is us ing my money. Fraudulently added {$2200.00} onto my account without my permission and I have been being charged o interest while they are using my money. I have also been paying interest on my balance of the loan because I can NOT get an accurate payoff statement. Please help me resolve this fraud! How many times do most people ever review their escrow account and get taken ... I can assure you if the tables were turned I would get penalties, interest and a bad credit rating.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-20 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Other service issues — 
Company: PAY-O-MATIC
State: NY

Complaint narrative:
At or around  XXXX  I visited Pay-O-Matic to send money to my teenage daughter who was in  XXXX   XXXX . I received a call from my daughter that she had issue picking up and the funds, which I was charged {$24.00} to send and when I reviewed the receipt I realized my daughter 's middle name was listed as her first name. I returned to the Pay-O-Matic at  XXXX  when I had a short break between work calls, I waited for the cashier who helped me to complete the transaction with her client, I signaled the gentleman who was next in line alerting him it would only be a second because I was there earlier and the young woman made a mistake with my transaction. He graciously allowed me to go and I showed the clerk the error, and she responded " you still need to get in line I cant let you skip the line. '' I asked for the  manager, sh e said " she 's right there but you still need to wait in line. '' I called the number listed in store  (   XXXX  ) to speak with someone re : the improper information entered and the fact that I was frantic when my daughter extremely needed the money and could n't receive it because of the clerk 's error. I also want to note that while t he manager calle d in to fix my transaction ; she asked I move to the side to handle the next customer.   My daughter has gon e to two lo cations, had to pay transportation and could n't receive her funds. The customer service I received was poor! especially given the fact that my  XXXX . was thousands of miles away, I paid for money in minutes it has been hours and I was made to wait additionally while the crowded check cash continued business as usual, and helped someone else through my turn.   I am asking for a formal apology from the business, and a refund because I paid {$27.00} for daughter to receive much needed money in minutes, and because of clerk/ashier error it took hours.   I also believe that the business needs to speak to the staff about quality customer service despite demographic community/area served.   On review of the slip it was completed correctly, and was data entered incorrectly. I look for speedy resolution.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-04-19 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I Initiated a dispute via letter to all  XXXX  credit bureaus in which the account reflected. The account was not validated and was removed from my reports. The account is now re reporting on my credit file and its under a new name. So the account was sold to a new collections agency.

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 2017-04-18 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: BBVA FINANCIAL CORPORATION
State: OK

Complaint narrative:
On and about   XXXX   XXXX   XXXX  , I called my financial lender for an extension for my car payment before the note was due ( which is the  XXXX  of every month ). I was advised that it will cost me approximately {$95.00} to put the payment on the back end of the note and no interest would be charged for doing so. The representative advised, " We can do  two  notes if I would like, most of their customers choose this option to give them a little breathing room to get caught up with things. '' I agreed to have  two p ayments placed on the back end instead of  one. T he process took them around 45 days to complete and in the meantime I continued to receive calls regarding my payment due to the automated service.   The payment extension cost me {$2000.00} instead of the {$95.00} I was originally quoted. My interest is supposed to be a fixed rate of 10.93 % for a {$26000.00} car. They ended up charging me {$9800.00} in interest, the  two  car payments that was supposed to be on the back-end and plus the  two  car payment we requested to be put on back end of the note. If we had know that the interest rate was going to change and I was going to be charged an additional {$9800.00}, we would not have requested the notes be added to the back end.   In the beginning my notes was split between the principal and the interest and since this situation most of my note goes toward the interest with little to no money being applied to the principal in some cases none of it. My payment from   XXXX   XXXX   is missing which I clearly made. They also informed me that I did not owe a car payment for   XXXX   due to the extension and when I called to confirm I was continuously advised of this fact. I received no calls all month long which was suppose to happen according to them due to their automated service. At the end of the month, I received a phone call asking for the payment for the month of   XXXX  .   I have tried to resolve this with my lender and spoke to  seven or eight  different representatives a day and supervisors with the promise of a resolution. The lender would never return my phone calls. I have requested them to listen to the recordings of my call when I was provided this information and they have refused.   My interest on my car change every month along with the amount being applied to the principal. They advised me it is due to the number of days in the month and that their bank does not withdraw the payment on the   XXXX   when the payment is due and my automatic draft is setup to do cause my interest to change depending on when they decide to take it out.     Please review this information and help me with this matter. I am now  upside  down on my vehicle and stuck paying an outrageous price for this car.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-18 00:00:00
Product: Credit card — 
Issue: Other — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
Bank  of America, o n an  XXXX  rewards master card, has charged me fees and interest even when there is a credit balance on the card. Additionally, it failed to refund ov er a thousand dollars of the credit balance and it is difficult to impossible to reach a representative  on the toll free number that appears on the billing statement.  XXXX  could not be reached by pushing  XXXX  or through other reasonable means, thus requiring the caller to have his or her time wasted by a lot of rerecorded garbage. When I finally reached someone, he told he I would have to call someone else about this problem. So, in addition to messing up accounts, charging the customer for their  XXXX  ups and then compounding their own mistakes at increasing expense to the customer, the  XXXX  number published on their statements reach no one who can actually do anything to correct 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 2017-04-18 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: U.S. BANCORP
State: MI

Complaint narrative:
ELAN FINANCIAL SERVICES ON MY  XXXX  REPORT NOT MINE.   NEVER AUTHORIZED NOR OPEN ON  XXXX / XXXX /  XXXX  .   * DISPUTE AS NOT MY ACCOUNT * BALANCE OF {$710.00} NOT MINE.   NOT A JOINT 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 2017-04-19 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: JPMORGAN CHASE & CO.
State: DC

Complaint narrative:
I had a Chase-issued   XXXX   XXXX   card that had not been used since   XXXX   XXXX    . I received a bill early this year demanding an annual fee. I promptly called to cancel the card, then destroyed it. I just received a bill for {$76.00}, which is {$60.00} for the annual fee, {$15.00} in late fees, plus interest. When I called   XXXX   XXXX   to say I will not pay an annual fee on a card that I canceled, I was told it could not be reversed. I asked for a supervisor and made no headway. He asked if I wanted to reinstate the card. I said no, I do not want my credit rating harmed, but I have no intention of paying an annual fee on a card that I canceled and destroyed. When it became clear that I was getting nowhere, I said I would contact the CFPB.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-04-17 00:00:00
Product: Credit card — 
Issue: Other — 
Company: SYNCHRONY FINANCIAL
State: SC

Complaint narrative:
Due to an overpayment, I had a large negative balance on  my Lowe 's store credit card. I requested a refund of this balance per Lowe 's policy. This was 50 days ago. I was initiall y told it would tak e 7 to 10   days to process the refund. Several days after that time had lapsed ; I was told it would take up  to 20  additional days for them to resolve my refund. It has now been 30 days since they said that and I still have not heard anything from them. At this point I can only assume that they plan to not release the balance to me. Can you please contact them and ask why they are witholding funds from me against my will? Thanks

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 2017-04-19 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Receivables Performance Management, LLC
State: TN

Complaint narrative:
I attempted to start cell phone service with  XXXX   XXXX   XXXX  but cancelled withing the 14 day return period. The agent failed to document the return correctly and a bill was charged to me for {$740.00} in error. I received a call from a credit collection agency in an effort to collect what they though I owed. I got the necessary documents from  XXXX   XXXX   XXXX  and submitted a receipt and letter explaining the error. Now we are receiving calls again from another collections agency after  one yea r from original issue. I explained the situation to them but they will not except my explaination and is continuing their collection efforts which is calling several times a day and hanging up. They are also leaving messages with my employees stating that the company owes a debt that it does n't. The company harrasing now is RPM, under the names of  XXXX   XXXX  and  XXXX   XXXX  (  XXXX  ) Fax  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