vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-02-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: GA

Complaint narrative:
In XX/XX/XXXX, we received the annual escrow account disclosure statement which showed a significant shortage. We have attempted to call, email and even XXXX XXXX with LOANCARE inquiring about the escrow shortage as well as how the {$200.00} increase on our mortgage payment can be a difficult undertaking for our single income household. In essence, we simply didn't understand how such a significant shortage can occur. We attempted to call on XX/XX/XXXX at XXXX and were on hold for over 5 minutes and submitted a request for a callback, which never occurred. We called again on XX/XX/XXXX at XXXX and spoke w/ an employee who advised that the possibility of the shortage was due to the fact that the previous owner was military. She further advised how we can submit a request in writing to lengthen the shortage from 12mos to 36mos. I did so via the customer online portal via www.myloancare.com. We were advised it can take 10-15 days to receive word as to whether or note our request would be approved. We never received a response. We then called Customer Service again on XX/XX/XXXX, two times ; XXXX and XXXX. We were on hold first for 12 minutes and the second call was over 53 minutes. We never actually spoke with a human being on XX/XX/XXXX. We looked on the www.myloancare.com website in which you can request an advocate. There is no direct phone line and a form must be submitted online, which we did. We never received word of being assigned an advocate. My wife then called on XX/XX/XXXX at XXXX. We actually spoke with a member of customer service by the name of XXXX. Due to policy, she wouldn't speak with my wife because her name is not on the loan, so my wife conferenced me in on the call. I advised XXXX she has my permission to speak with my wife about the mortgage loan on my behalf. XXXX was apologetic about the lack of response and total disregard of our circumstances and lack of customer service. She asked if we'd like to escalate our issue to management in which we responded with a very firm YES! However, all members of management were busy or not  present and went home for their evening. XXXX advised that we would hear something about our request within 48 hours and that she personally would follow up which never occurred.

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 2018-02-27 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Convergent Resources, Inc.
State: AR

Complaint narrative:
I owe a debt to XXXX XXXX, which I do not dispute. The amount I owe is {$980.00}. XXXX XXXX, XXXX is attempting to collect {$1000.00}. I have asked for proof that I signed something with XXXX that allows them to collect a collection fee and XXXX tell me that the fee must be being charged by Convergent and tell me to contact Convergent. I asked for proof from Convergent that I owe more than {$980.00}, or something that shows that they are allowed to collect a fee, and they have told me that they don't collect a collection fee, the fee is being charged by XXXX. They sent 'verification ' and they include a copy of the bill by XXXX XXXX which clearly shows an amount due of {$980.00}.

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 2018-02-27 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: SYNCHRONY FINANCIAL
State: MI

Complaint narrative:
I have improperly been denied credit from Care Credit, XXXX XXXX. I have a credit card with them for over a year always paid timely where they have increased credit line without request. Care Credit told me over a year ago I had to have credit with them greater than six months. It's been over a year!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I DONT GIVE A XXXX IF THE CHECK WAS UNPAYABLE BY THE PEEPLE I GOT IT FROM, WHERE IS THE ORIGINAL INSTRUMENT [ CHECK ] WITH MY WET INK SIGNATURE? AND WHAT DID YOU DO WITH IT? AND WHY IS IT SO VALUABLE FOR YOU TO HIDE, TO KEEP, TO RESELL,? EXPLAIN TO ME THE DEBT WHEN YOU MADE A SECURITY INSTRUMENT OUT OF THE ORIGINAL CHECK AND SOLD IT, LIKE YOU DO TO EVERYBODY ELSE YOU CRIMINAL XXXX XXXX LIARS MISCREANTS, so EXPLAIN TO ME A WRONGDOING? SO WHAT WRONG DID I DO? EXPLAIN THAT TO ME,,,,,,,,,,,,,,,,,,,,,,,,,,, CITIBANK is A FRAUDULENT CRIMINAL AND USES WORD SEMANTICS AND MANIPULATION OF FACTS, so i read the response, and it doesnt answer my questions, and is very deceptive, so you kept the original check, how long did you keep it before you sold it with a cusip number as a securities instrument?, I have located the financial institution you sold it to, did you also sell my original contract with the wet ink signature?, I BET YOU DID, AND ARE YOU GOING TO CHARGE SERVICE FEES TO MY TRUST ESTATE?, I BET YOU ARE FOREVER, so CITIBANK has sold the original instument which now there is no proof of indebtedness, I havent received a sworn statement from ANY citibank representative stating a wrongdoing committed by me, sworn to before a notary which makes it binding ; ; and yet citibank makes false claims on me? send me a sworn statement of wrongdoing committed by me and swear to it under oath, because you cant do it, YOU SOLD THE ORIGINAL INSTRUMENT AND MADE PLENTY OF PROFITS FROM IT AND IM GOING TO PERSUE THIS MATTER AND PROVE THE FRAUD AND LIES COMMITTED BY CITIBANK, I NEVER RECEIVED ANY ''BILL '' EITHER, SO SEND ME A ''BILL '' AND NOT A STATEMENT, A STATEMENT DOESNT PROVE ANYTHING, its all presumptions you XXXX liars creepy freekazoids criminals, HOW MANY SIGNATURES ARE YOU SELLING EVERYDAY YOU LYIN XXXX   XXXX, AND THE LAW SAIS YOU OWE ME THE INTEREST WITHIN 3 YEARS FROM ALL THE SECURITIES YOU SOLD USING MY TRUST ESTATE,

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 2018-02-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
TransUnion lists the Chapter XXXX Bankruptcy status on my report as 'Filed ' and states that it will remain on my report until XX/XX/XXXX. 

First of all, since the bankruptcy was filed in XX/XX/XXXX it can only remain on my report until XX/XX/XXXX. TransUnion plans to keep it on my file an additional three years, which is in violation of FCRA. 

But more important is that my bankruptcy status is DISCHARGED as of XX/XX/XXXX. Showing the status as only FILED implies that I am still under bankruptcy and is currently harming my ability to apply for new credit. 

I have disputed this item twice with TransUnion and both times their results have simply been 'Verified as accurate. ' My attached discharge notice clearly disproves this.

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 2018-02-27 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Big Picture Loans, LLC
State: FL

Complaint narrative:
I borrowed {$400.00} and they want want me to pay back like {$2700.00} that's crazy

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
On XX/XX/XXXX we discovered that Citibank had been charging us a monthly fee for debt protection, a service we did not sign up for or agree to. We have been card holders since XX/XX/XXXX and we have been told and confirmed through statements that this was added in XX/XX/XXXX.  Citibank has called their debt protection at least 5 different names since this started. We have not missed a payment nor received any benefit from this program. 

Since the discovery of these fees, we made an immeditate call to Citibank that were less than helpful as they said we would have to talk to XXXX and issue a complaint. We asked them to immediately stop what we learned was an optional service. Three calls later, they finally discontinued the charge moving forward. When we asked about our refund of the fees that totalled {$49000.00} and the interest that added {$30000.00} we were told that since we were under the protection of the program these were non-refundable. 

We did not sign up for the service, they imposed it. We have since discovered that there were several cases against Citibank for unfair and deceptive credit card practices. 

We are seeking the process to get our money back. We did not sign up for this debt protection and we were certainly not contacted about any settlement. Yes we should have read and questioned each statement, but for the first 7 years of having the card there was no debt protection. These fees were posted in the same columns at the fees and interest, very misleading. 

The most frustrating part of this dispute is Citibank 's process. We have been bounced around from call center to call center, with the standard response of we can't do anything or see records. First we were told they submitted/entered a dispute request on our behalf, then we were directed to email and finally told to right a letter and wait 30 days. All the while Citibank is making 16.5 % on the balance they have created over 14 years. They imposed these charges, we did not seek or benefit by them.

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 2018-02-27 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: VA

Complaint narrative:
XXXX XXXX XXXX allowed a 3rd party to add fees to my acc. The co said it was added when I took out my card. I tried to resolve it w a supervisor with XXXX XXXX and even though its mailed out on XXXX statement he claims they have No control over this. I was irate when he said not their problem. I feel this Bank has to be responsible for Account Assure charges and I should not have had to deal with resolving this. I feel many elder individuals are also being charged and over looking this fee. I am disappointed that any third party can just start adding a fee without my approval.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-02-27 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: ENOVA INTERNATIONAL, INC.
State: VA

Complaint narrative:
I APPLY FOR INTERNET PAYDAY LOAN ONLINE THROUGH NET CREDIT ON XX/XX/XXXX. FOR THE AMOUNT OF XXXX. AND MY INTEREST RATE WAS 247 PERCENT. THEY WOULD BE DEBITING MY CHECKING ACCOUNT EACH MONTH FOR XXXX EACH MONTH. I MADE MY LAST PAYMENT ON XX/XX/XXXX I COULDN T AFFORD TO PAY IT BECAUSE OF THE HIGH INTEREST RATE THAT THEY WERE CHARGING ME. THIS ACCOUNT APPEAR ON MY XXXX CREDIT REPORT ON XX/XX/XXXX AND IT WAS SHOWING 120 DAYS LATE IN XX/XX/XXXX AND 150 DAYS LATE IN XX/XX/XXXX. STARTING IN XX/XX/XXXXIT SHOWED 180 DAYS LATE FROM XX/XX/XXXX ALL THE WAY TO 180 DAYS LATE TILL XX/XX/XXXX. WHY WOULD IT SHOWED THAT FOR 28 MONTHS THAT IS XX/XX/XXXX TILL XX/XX/XXXX. I FILE FOR BANKRUPTCY ON XX/XX/XXXX WHICH THIS ACCOUNT WAS DISCHARGE UNDER MY BANKRUPTCY ON XX/XX/XXXX. THE VIRGINIA FEDERAL COURT XXXX DOCKET NUMBER IS XXXX. I CONTACTED XXXX XXXX XXXX XXXX IN REGARDS TO XXXX XXXX ON THE CREDIT REPORTING ON WHY WOULD THEY HAVE MY CREDIT REPORT ON HAVING SO MANY 180 DAYS LATENESS AND I WAS INFORMED THAT THEY ARE NOT LICENSE IN VIRGINIA FOR INTERNET PAYDAY LOANS. I EXPLAIN THAT I TOOK OUT A LOAN IN XX/XX/XXXX AND WAS AGAIN I WAS TOLD THAT ARE NOT LICENSE IN THE STATE OF VIRGINIA.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-27 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Good morning, I have three accounts with Capital One and I HONESTLY, I forgot about the payment which was due on the XX/XX/XXXX. I put ALL bills on my calendar with alerts and somehow this payment fell off of my calendar. This is not a regular practice for me and I wanted the fees waived ( late fee/interest ), they were able to waive the late fee, however, they REFUSED to remove the interest charges of {$43.00} as a one time  courtesy. I know this is something they are able to do and I would like a one time courtesy and have this charge removed. 

The representatives were not very helpful and I've had better customer service at XXXX. Every response is not very clear and the supervisors they pretend to transfer you to are not really supervisors. I use to work in a customer center and I know the game. 

Thank you in advance for your assistance

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-02-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I have 3 Citibank credit cards and have been victimized by them over charging customers and would like to be included in the class action suit. I also want to know if I can have those debts removed from my credit in light of the companies latest deception? 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA 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 2018-02-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
On XX/XX/XXXX I innocently switched my mobile phone carrier from XXXX XXXX XXXX to XXXX and Without my permission or knowledge XXXX did a Hard inquiry on my credit report which has Negatively affected my credit score. I called XXXX and asked if I paid off the balance of the phone I was financing and brought my account to a XXXX balance, would they remove the inquiry. They said yes so I immediately paid off the {$660.00} balance and they put me on hold only to return to tell me that They could Not and to contact transunion. I contacted Trans union and they said that they needed a letter of deletion from XXXX. I called XXXX again and they said No and referred me to this website. 
This is Not fair because XXXX DID NOT DISCLOSE THEY WOULD RUN MY CREDIT WITH A HARD INQUIRY. If they had then I NEVER WOULD HAVE SWITCHED MY CARRIER!

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 2018-02-27 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: Experian Information Solutions Inc.
State: MS

Complaint narrative:
After investigating my credit report, results and facts is this company has reported false information ; after my first dispute the results remained the same. The results are clearly false reporting and I will be moving forward with my actions.

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 2018-02-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PHH Mortgage Services Corporation
State: IL

Complaint narrative:
I am currently behind in my mortgage payments with PHH Mortgage. I live in Illinois and am currently sending my payments to PHH mortgage XXXX XXXX in XXXX, IL. Ive had problems in the past with PHH not posting the payments in the timely manner they receive them. Ive been shipping the mortgage pay via USPS priority two day mail. Ive made two previous complaints through this organization in the past. I recently mailed my mortgage payment to PHH on XX/XX/XXXX USPS priority mail. My tracking shows the XXXX XXXX. XX/XX/XXXX received the payment on XX/XX/XXXX at. XXXX. It is currently XX/XX/XXXX and PHH has yet to post the payment within a 24 hour time frame as they claim to do so with all payments they receive. My concern is this payment will not post within the legal time frame set by the state of Illinois. I did send an email to customer service alerting them that the payment was sent and received according to my documentation. My loan number is XXXX. A copy of the USPS receipt and tracking was emailed to PHH.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: GA

Complaint narrative:
I have submitted Prior Complaints, and recently Withdrawn my Complaints against Select Portfolio Servicing Inc., however, I just received a letter dated XX/XX/XXXX, Stating " SPS Previously Received Your Request For Loss Mitigation Assistance, But We Now Consider The Assistance Request Withdrawn. We are not Considering Your Request for Assistance at this time Because : After initially asking to be considered for Assistance, you Withdrew That Request on XX/XX/XXXX. 

I have never, ever made any Request to/of SPS Inc, except for them to Stop Calling Me, Stop Writing me, and Stop any/all Contact with me, concerning the Property that they Purchased from XXXX XXXX XXXX, ( SPS Inc Account Reference # XXXX ), Property Address : XXXX XXXX XXXX, XXXX, Georgia XXXX. 

That Property was Abandoned/Turned in/Over To the XXXX XXXX XXXX, Appraiser on XX/XX/XXXX, after an on-site Joint Physical Appraisal was completed, and according to Internal Revenue Service Publication 4681, the turning over and acceptance of a Property, Any Property is Considered A Sale or Transfer, and I am under Bankruptcy Protection. Therefore, since the prior Mortgage Company ( XXXX ) took Possession of the Property, and Issued an Abandonment Form XXXX, which SPS Inc., is well aware of and has been issued a Copy, and I have no Personal Libability for that Property, SPS Inc., has no business contacting me. 

SPS Inc, Claims to have purchased the XXXX XXXX XXXX, XXXX, Georgia XXXX, Property, yet the Official Muscogee County Georgia Tax Commissioner 's Office, and the Muscogee County Georgia Superior Court Clerk Records show nor record of any any Property Transfer/Deed Recording? That Property is  still listed with XXXX XXXX as the Lien Holder? 

SPS Inc., States that Property was purchased by a XXXX, DE Company in XX/XX/XXXX, yet this is XX/XX/XXXX, and no official records show this to be true. 

So now, SPS Inc., needs to produce some evidence of a request from me in writing for Loss Mitigation, which does not exist, or state that they have lied for the record.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: PHH Mortgage Services Corporation
State: TX

Complaint narrative:
PHH mortgage has continuously made several inaccurate changes and modifications to my account. Funds from escrow and even applying payments solely to interest and other areas. I want my loan serviced from another company. I have tried to get these problems resolved and they have even all often applied mortgage payments to other areas leaving money unaccounted for.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-27 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: NC

Complaint narrative:
XXXX XXXX XXXX signed me up for an auto repairs XXXX Credit card, and entered my mailing address completely wrong. I never received ANY of the bills for the service, as they went to the incorrectly entered address. After they finally called me about it, I resolved immediately by paying bill, but XXXX had already sold the debt to a third party collector that I did not have a contract with at all. I don't believe it should be allowed that the third party collection agency be able to post negative remarks on my credit about this, since I did not have a contract with them. I also think it was poor business for XXXX to move this to collections before even contacting me to let me know about this bill. All they had to do was call but instead they moved it into collections after not getting any response, because they were mailing the bills to the wrong address.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-27 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: IL

Complaint narrative:
LOAN  #  XXXX   LOAN  MODIFICATION WITH  OCWEN  

ON  XX/XX/XXXX  WE  REQUEST  A  BASIC  LOAN  MODIFICATION  FROM  OCWEN  LOAN SERVICING  www.ocwen.com  TOLL  FREE  XXXX   AFTER  6  MONTHS  WAITING  THEY  OFFER THE  NEW  PAYMENT  PLAN  BUT  THEY CHARGE  US  OVER  USD  9000  AD  TO  THE  PRINCIPAL  WITH  OUT  ANY  INFORMATION  OR COST  DETAIL    MY  HUSBAND XXXX XXXX  NEVER  AGREE WITH  THE  USD  XXXX BUT  TO  AVOID  MORE  CREDIT DAMAGE AND DELATE  THE  PAYMENT WE  SIGN A  TEMPORARY  AGREEMENT WITH OUT A  LAW FIRM  AND  WITH  OUT  NOTARY  - ON  XX/XX/XXXX  OCWEN  SUPPOST  TO  GIVE  THE  INFORMATION AND  AFTER  2  MONTHS WAITING  STILL  WE  DO NOT  HAVE ANY INFORMATION    ALSO  EVERY  MONTH  THE CHARGE  US  USD XXXX  ESCROW  FOR  XX/XX/XXXX .  
ALSO  OCWEN  REFUSE  TO  PROVIDE  THE  XX/XX/XXXX PAYMENT  REPORT  FROM  US    WE  DO  NOT  KNOW  HOW  MUCH  WE  PAY FOR  PRINCIPAL  YET    . OUR  LOAN  BALANCE  ON XX/XX/XXXX  WAS  USD  XXXX  AND  NOW  IS  OVER  USD XXXX

Company response to consumer: Closed with explanation