vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-01-29 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Jcpenny has reported with negative remarks and deliquency and I would like it removed as it 's reporting to the XXXX credit bureaus and negatively affecting me. This account was noted as 30 days reported on XX/XX/XXXX. During XX/XX/XXXX -XX/XX/XXXX I was XXXX. Throughout my XXXX ( XX/XX/XXXX ) I had a XXXX. I am still currently going through XXXX in result of having having my XXXX. During this time i attempted to make payment arrangements, using the credit card insurance to submit a claim to cover my account. Walmart passed me onto the credit card insurance company to submit a claim. I was not abl3 to resolve this issue and have contacted JCpenny and the credit card insurance department as well. Please remove this negative information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-17 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: WA

Complaint narrative:
In XXXX XXXX we were contacted by our Mortgage servicer stating we had missed XXXX mortgage payments XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX. We acknowledged missing XXXX of those payments, XXXX XXXX. We submitted our checking account balance activity for the period of time that the missed payments were to have occurred. We also included photocopies of the endorsed checks stamped by the mortgage company showing they were deposited into the mortgage company 's XXXX XXXX account. We submitted a written qualified request XXXX XXXX, XXXX requesting a researched answer to the amount in arrears. We also have paid {$800.00} towards the amount we believe we are behind. Nationstar acknowledged receipt of this letter XXXX XXXX, XXXX and said they had 30 days to respond but most likely would have an answer within 7-10 days. We have yet to receive an answer from their research department. We 've received several other confusing communications from them. XXXX XXXX, XXXX I sent another letter requesting a researched answer. We assert our overdue amount is {$1800.00} of which we have already paid {$800.00} of. Our figure represents XXXX missed payment {$1300.00} for XXXX XXXX and 10 months of late fees {$410.00}. 
The confusing communication from Nationstar has included saying our overdue amount is anywhere from {$5500.00} to {$2900.00}. We received communication saying we have varying amounts in unapplied funds. We 've received communication stating they are returning funds to us- though those amounts have been deposited by Nationstar XXXX Also their communication states we face acceleration and possible foreclosure. It seems like the left hand does n't know what the right hand is doing. As soon as we were made aware of this issue we have researched and done our best to become current. This lack of a researched answer to our dispute has caused distress and anxiety.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-19 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
On XX/XX/2016 at around XXXX I attempted to make a deposit of of {$380.00} in cash and a {$90.00} check for a total of {$470.00} at the XXXX 's Huntington Kiosk inside XXXX XXXX in XXXX Ohio. I counted my cash three times before I handed it to the teller who did n't count it in front of me and proceeded to put it in the bill counting machine, which I 've now since learned is called the discriminator. I told the teller the amount I was depositing before he took it to the discriminator. To my dismay and concern he came back insisting I had made a deposit of {$120.00} less than the amount I had referenced. I was incredulous. However, my ire was n't raised until the second banker came over and said he was there to help me. Instead of asking me what my experience was or listening to it, he simply reiterated what the other teller had said and insisted that while he may have dropped a bill or XXXX it was impossible to drop more. He looked down at the floor as he said this. At no time did either try to get my side of the story, or offer to count down the drawer. Instead they both repeated the amount that they insist the discriminator counted. I said that I would never return to this bank branch and that I would go ahead and withdraw my funds and put them in a credit union, as many I knew were doing this. At this point the teller insisted I leave and pointed his finger at me to do so. the next Tuesday morning I went to my Huntington branch and I filled a grievance and was told that now they are discouraged from counting cash back in front of you as it takes too long. I was not offered the possibility of making a report. I had to suggest it and then insist. While the teller was very helpful with the details and did finally ask for descriptions of both tellers, initially he seemed reticent to take the report. I see this as a warning to anyone who intends to deposit it this branch. I believe the XXXX tellers were running a scam at the point of deposit and believe they played on my weak spots to make me question what happened. I was also incredibly concerned at the less then concerned response I was initially met with at the branch banks as well.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-07-06 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR

Complaint narrative:
I recieved a BankAmericard cash rewards card XXXX. The rules then were 3x cashback on Gas, grocery, and drugstore purchases for the first 6 months. Plus, you earn 1 % cashback on all other purchases. After that was only 1 % for every purchase. This took over 5 years to reach the {$300.00} mark for cash rewards and would have been 25 % more, if it was transferred into the checking account I have had since the 90 's. But they decided to change all the rules and XXXX people out of {$45.00} of the money originally promised for over 5 years. They decided to change it to 10 % now in XXXX 2015. I just finally got to {$300.00} last month 's statement, I was told. I am angry that, it took over 5 years to try and use my card as much as I could to try and get to the {$300.00}, so I could benefit from the 25 %, the reason, I wanted to have the card in the first place. Now only to find out when I tried to transfer my {$300.00} it took over 5 years to reach, that I was not going to get {$45.00} of that money now. To me, this is a way to XXXX everyone who originally got this card, we all lose out on the 25 %. Which BankAmericard is now making money from screwing us all by changing the rules to take it to 10 %, they are making {$45.00} a head from everyone this has happened to, that has taken years to reach this goal. Now we are told, sorry plans changed. Well, I do n't know about anyone else, but this is not very good business. I feel like I just wasted over 5 years of my life, thinking I was soon going to get {$75.00} extra for using this card. How convenient, the average use of this card, will take the average person that long to get to {$300.00}, so they make more money off of screwing us, by changing the rules, when they see how many people are going to reach their {$300.00} goals. This makes me sick. I want my money from my original, reason for signing up for this card in the first place. If I would of known they were going to pull some XXXX like this, I would of never signed up for the card in the first place. Seems a little crooked business strategy if you ask me, not honoring that long of a customer 's contract. I called XXXX before writing this, XXXX, customer service, would n't or was n't able to do anything for me. I told her, sounds like I need to take my money out of the bank and cancel this card, cuz what is the next horrible thing you are going to change? I am not willing to wait to find out.

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 2015-03-24 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I mailed a certified letter to Capital One on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX asking them to provide me with proof that they provided the Credit Agencies that this account was not lost/stolen and charges were from Identity theft and they have failed to do so. They keep sending the following letter ( attached )

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Freedom Mortgage Company
State: CA

Complaint narrative:
In XXXX I paid off my mortgage. I am in the process of refinancing and the loan # XXXX is still showing up on my credit report. On XXXX/XXXX/16 I sent an email to Freedom Mortgage to get this resolved ASAP. I can not get any resolution to this, I called today and they sent me a copy of the goodbye letter that it was transferred to XXXX. I specifically asked for a letter or statement showing that this is a zero balance. No on is assisting me, nor have I received anything that they are working on this issue. I checked online and my loan is still showing active.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-08 00:00:00
Product: Credit card — 
Issue: Transaction issue — 
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I applied for credit with Best Buy ( Citi Bank ) online. I was approved the same date and made a purchase on the Bestbuy.com website for approximately {$3900.00} The motivation for using their credit card was 10 % cash back offer. I received purchase confirmation from the store and the balance appeared on the credit card web login page. I paid the amount in full via electronic payment from my bank. XXXX days later I received a notice from the store stating the purchase was cancelled due to the payment being withdrawn. I contacted Bestbuy credit ( Citibank ) who advised me they had a fraud alert on the account. I provided all my personal information to them. They stated their practice is to cross reference a public record from a cell phone account to verify my identity ( something that was not done to approve the new account ). I only have a pay as you go-no contract phone so they could not confirm my identity via their normal methods. I requested the account to be closed and the {$3900.00} I paid to be refunded to the account it was paid from. They said since they could not confirm that I was who I said I was they would not process my request. Now I have no product and I do not have the {$3900.00} I paid to them and they refuse to refund my 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 monetary relief
Consumer complaint received 2015-04-20 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: M&T BANK CORPORATION
State: NY

Complaint narrative:
Made a bank to bank transfer due to insufficient funds so that I would not be charged with an overdraft fee. I called to let them know the transfer wont make it on time and she said to call back once the transaction is listed in the history so that they can waive the fee. I call back once the transfer appears on the history and the representative on the phone say 's theres no way for me to have the overdraft fee waived. At this point I am not upset about the fee but at the fact that the XXXX representative told me specifically to wait until it shows up on my card history of the bank transfer so that they can waive the fee. At this point, me waiting for the fee to show up, had costed me an additional overdraft fee which Is now unnecessary additional money I had to pay out of my pocket. I am upset that each individual representative that i spoke to over the phone denies any liabilities when it comes to what they say. It is a reflection of a dishonest company where each representative does not want to take responsibility for what has been said. I will soon close my account with M & T bank soon due to their lack of diligence in this matter and their obvious greed to generate revenues from overdraft fees.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-03-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: LA

Complaint narrative:
Ocwen was to deduct my mortgage payment from my banking account. For unknown reason the payment did not go through. Ocwen never contacted me. Only when we sold our home did I find out that they were reporting me late every 30 days. When I contacted them it was revealed that the contact information on my account was someone else 's to include the mailing address. When I asked to have these late payments taken off my credit report they stated to me " Well you were late even if we did n't contact you '' and hung up the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-07 00:00:00
Product: Bank account or service — Cashing a check without an account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
When I bought my house 10 years ago, I opened a line of credit that I never used. 
In XX/XX/XXXX I try to use that credit line and was told the account was going to be expire and close on XX/XX/XXXX. 
Now the bank is charging {$510.00} for XXXX XXXX. 
Another bank is holding the mortgage on the property and since it was a lapse of time between the transition of changing insurance company the bank assigned a flood insurance which was canceled after I sent them proof of insurance and was not charged for it. 
Bank of America on the other hand is charging me on a closed account a temporary flood insurance an extremely large amount of {$510.00} for 2 months service. 
This is very abusive since the 12 months of flood insurance cost 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 2016-02-14 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I 've been trying to get this credit card off my report for over a year now, I advised Experian to put Fraud Alert on my credit because someone had stolen my Identity, I DID N'T get a credit card with XXXX XXXX, the only thing Experian is validating is my mailing address, they have on file.

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 2015-12-13 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Using a debit or ATM card — 
Company: Paypal Holdings, Inc
State: OK

Complaint narrative:
In XXXX I signed up for a trial with the company XXXX XXXX using my Paypal account. As these things usually go, I forgot to cancel the service prior to it converting into a recurrent billing subscription. After noticing the charges a month or two later I contacted the company and informed them that I had no interest in continuing the subscription. Instead they continued to charge my card. I contacted them again and when that did not work I closed my bank account and opened a new account to prevent any further unscrupulous charges. Last night, I used Paypal to purchase a XXXX gift so I entered my new debit card information into my Paypal account. This evening, I received a notification from Paypal that the debit card from my new bank account incurred a XXXX charge from XXXX XXXX. I immediately called Paypal and after suffering through a myriad of tedious prompts and useless information I was finally able to figure out how to get someone on the phone. I explained the situation to the Paypal rep I spoke to and made it clear that I wanted the charges reversed. He refused because it was a recurring payment. I attempted to explain to him that I NEVER authorized XXXX to make charges to my new debit card. Furthermore, I did not authorize Paypal to use my new card information as a back-up form of payment so the charge should have never shifted to that card. There is a box you can check to designate any new payment information added to your Paypal account as a back-up form of payment. I purposely did not check the box. Apparently, that gave them the right to " decide '' for me? I have used Paypal for a plethora of purchases as well as a few recurring payment situations. However, whenever I have contacted a company, outside of XXXX XXXX, requesting a cancellation payments have always stopped so I have never needed to ever call Paypal with a problem. Needless to say, this entire situation is disappointing. Especially coming from a company that purports itself to be customer service oriented when their recent actions are indicative of the opposite.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-06-20 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: World Acceptance Corporation
State: AL

Complaint narrative:
World Finance Corporation called a reference looking for me on XXXX XXXX, 2016. My reference was n't sure if it was a scam or something, so she asked to verify some information about me. She demanded that they give her my social security number and the representative from this company disclosed my information. I was under the impression by law, this is illegal to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-11 00:00:00
Product: Mortgage — FHA mortgage
Issue: Credit decision / Underwriting — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: FL

Complaint narrative:
I applied for a mortgage loan with Carrington Mortgage company and the entire process was a headache. When they found out we wanted a manufactured home, instead of a traditional home, the person handling our loan, XXXX XXXX, spent half of our correspondence via email speaking on how " nearly impossible '' it would be to get approved for a manufactured home, and that I should keep looking for a traditional home as a back up. We told him we wanted this home and will do what we need to do to get it. Every time he asked for documents, we submitted them, then he reassured us it would be a long shot. His entire demeanor was unprofessional and negative. We paid for a full inspection of the home that detailed every aspect of the home, yet XXXX wanted us to pay for an additional inspection on the roof once the inspection came back in good condition. That was a waste of {$100.00} because ( in my opinion ) what he needed to know was in the original inspection. However, we spent more money and did it anyway. So, we get to within 30 days of closing, and he sends an email to my wife, my realtor, and I showing things that he said needs to be taken care of asap in order to close. Mind you, some of these items have not been mentioned on the previous list of things needed to close. So, at the last minute he threw new things at us. He highlighted several of those things stating that they would be major issues that will hinder our approval. I can forward the email upon request. He then sends this same email to the seller, which I understand, is a violation of our privacy. He sent our personal information that is on our credit that needs to be addressed, to the seller! Once they received the information, they immediately decided to back out of the short sale. In his conversation with my realtor in the early stages of the process, it was clear they did not want to finance a manufactured home and even said they would qualify us for more if we went for a traditional home. It 's frustrating to me because we invested so much time into this home, our children loved the property, and now because of this, we lost the opportunity to get it.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Seterus, Inc.
State: WI

Complaint narrative:
XXXX years ago on XXXX/XXXX/XXXX I suffered XXXX. Which resulted in a XXXX. Only to have XXXX of the XXXX fail and in XXXX XXXX I was having XXXX. Well I was recuperating from my XXXX, my husband suffered a non work related XXXX and was off work for XXXX months. He was on short term XXXX through his work. We fell behind in our mortgage payment. With medication cost increase to {$300.00} a month out of pockets XXXX copays increase to {$1500.00} each. We were not able to get caught up on our mortgage payments even with adding extra each month to the mortgage payments to try and get caught up. In XXXX XXXX Seterus refused to accept any further payments. We were given notice of foreclosure at which time we hired a law firm who said they could stop the foreclosure. In XXXX XXXX our Mortgage servicer Seterus offered a streamline modification, with the first payment starting XXXX XXXX That was sent to the law firm. We were not notified by the law firm of the streamline modification till XXXX XXXX. At which point we borrowed the money to make the mortgage payment by the end of XXXX and fired the law firm. Since then we have been working with the servicer Seterus on our own. We 've made the trial modification payments late due to the late notice and we have not been able to catch them up due to medical expenses. We have just received a permanent modification. Our modification does not seem like a modification. My monthly loan payments have increased by over {$100.00}. They added our back payments and interest to the end of our loan and extended it out to a 40 year loan. There was no reduction in interest rate or principal reduction. Modification in my vocabulary was meant to help us by reducing our monthly mortgage payment not increasing it. My husband is aged XXXX he has his own XXXX issues, and he would like to retire on XXXX XXXX XXXX. We have told them that there will be a income reduction when that happens so we need a modification that will take that into consideration also.

Company response to consumer: Closed with explanation