vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-04-25 00:00:00
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: Big Picture Loans, LLC
State: FL

Complaint narrative:
I recieved a preapproved application in the mail about a loan for XXXX from Big Picture Loans company.i applied and was approved for the loan without much effort ... In the final documents and truth in lending info, there is a section telling you how much you will pay in a payoff balance which was a reasonable XXXX dollars and is what i was led to believe would be the final amount i would pay along with original loan amount of XXXX dollars by the time the loan was paid in full ... But as of today after reviewing my documents, i found out that you have to scroll all the way down the " truth in lending '' section, which should be called the " truth in hiding '' section since i had no idea this info was down here or i would have rejected this loan immediately, and i find that these people actually expect me to pay almost XXXX for an XXXX dollar loan at 887.877 % interest..thats not even legal ... That is simply not going to happen and these crooks should be stopped for their predatory lending practices ... Unfortunately, i now have to go to my bank and describe the problem to them and avoid this obscene situation alltogether ...

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-08 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: CarFinance Capital LLC, Irvine, CA Branch
State: AZ

Complaint narrative:
I have a loan with Carfinance.com. Since the first payment XXXX I have paid an extra XXXX every month to go to Principle. Then in XXXX I started paying an extra XXXX to principle. Car finance will no longer send me a statement because I am paid too far ahead, I want a monthly statement so that I can track how they are applying the funds. 
I have to call them and they sent a statement but the statement is all messed up. sometimes, ( XX/XX/XXXX ), the whole {$610.00} was applied to principle, on XX/XX/XXXX {$170.00} was applied to interest, then the next month XX/XX/XXXX {$220.00} went to interest. The interest should go down if the principle is reduced. I can send you a statement if you would like to see it, my account # is XXXX if you want to contact them. 
Thank you, XXXX XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-22 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
I went to the Citizens Bank branch to pay my home equity loan in person. i pay in person each month. I arrived on XXXX XXXX and was told they could not take my payment because the computer was down. I begged them to hold my check and process it the next day but they refused to do so ( i was told they had nowhere safe to keep it overnight ). I returned on XXXX XXXX and was told i was to be charged a late fee. They also told me to mail my payment instead of coming in personally ( as a customer, i find that insulting ).

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-23 00:00:00
Product: Debt collection — Payday loan
Issue: Communication tactics — Threatened to take legal action
Company: Kirkland Asset Management LLC
State: NV

Complaint narrative:
I filed a complaint on this debt previously, but now it has apparently been re-sold to another debt collector. My prior case numbers are XXXX and XXXX - XXXX was against the original lender XXXX, the other against XXXX. I disputed both XXXX and XXXX responses, but never heard anything back, until another company, Kirkland Asset Management provided me a letter yesterday ( after I received a misleading telephone call from a Nevada telephone number ) stating that they " were in receipt of a delinquent claim on your behalf '' from XXXX. As stated in my previous complaints, this debt is not valid and is unlawful and uncollectible under Nevada law, as XXXX has or had no license to lend in Nevada and therefore is/was conducting business in Nevada without a Nevada license. 

Secondly, this new debt collector, Kirkland Asset Management, is using deceptive and unlawful tactics. Someone named XXXX XXXX ( sp? ) contacted me XXXX on my cell phone and XXXX at my work phone, despite the fact that I have previously provided cease and desist letters to both XXXX and XXXX stating that all contacts must be made to my cellphone ( NOT my office phone ) or in writing to my email address. XXXX XXXX did not state the name of his company. He only stated he was contacting me regarding a scheduled delivery for " this evening '' and that I should be available with an id. First he said delivery would be that evening then he said by Friday. He also stated " that no questions were available '' and to contact the sender directly at XXXX XXXX XXXX, ref. # XXXX, and that if necessary, they would make a scheduled delivery to me at work. When I contacted the XXXX XXXX XXXX number, I found out that it was Kirkland Asset Management, and when I asked about the nature of the delivery, the representative would not tell me the nature of the delivery, but then stated that they were trying to collect on a " debt '' I owed to XXXX. I was also told they would take legal action if necessary. The representative then said she would email me something so I could work out arrangements on the debt. ( attached ).

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-29 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: DE

Complaint narrative:
Citizen 's Bank employee by name XXXX called us on XX/XX/XXXX and offered apply for refinancing of our home equity loan with a lower interest rate ( 2.5 % ). She asked for the last year tax return and my husband 's last XXXX pay stubs. The next day we provided those documents. Now, we are harassed by a woman by name XXXX XXXX XXXX, who tells us what to do ( to pay XXXX amount of money which is disputed because XXXX charged us fees for internet services which we did no use and which came from third parties ). Eventually there was a class action lawsuits filed and XXXX settled. In our case XXXX demanded some of disputed amounts and we refused to pay. Eventually XXXX cut off all services except for XXXX telephone line. at that point it was discovered that XXXX switched our telephone lines making primate line a secondary and the secondary as a primary. At that point our XXXX started to show error message on control panel and we discovered for the previous two years we had a security system for which we paid but which did not have connection to the XXXX. We demanded charges to be reimbursed and complained through FCC but although XXXX committed perjury FCC did not satisfy our request. We switched to XXXX and for the last 7 years do not respond to XXXX offers to switch back to them. No money would be paid out of the disputed amount. XXXX XXXX started to harass us demanded the payment of the disputed amount, additional documents ( XX/XX/XXXX tax return and proof of home owner 's insurance ) which we provided. Now she started to ask about companies we have no idea about and again for documents that we had already submitted. It appears that she does not know what she is doing and we refused to deal with her. She said she would withdraw our application. It appears that because we are foreign born we are systematically are harassed, intimidated, insulted and humiliated by banks in the US.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-03 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: ERC
State: FL

Complaint narrative:
I noticed a debt on my credit report, so I contacted the company and wrote a letter disputing the debt as not a valid debt. I waited the 45 days they stated it could take to resolve or investigate the debt, but never received any media from the company and has now taken almost XXXX as long as they company stated and still have not received any letters nor have they removed this debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-03-24 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: MI

Complaint narrative:
( 1 ) We are seniors who have XXXX and health issues and in XXXX of 2014 I asked our lender if they had any suggestions/help for us with our mortgage. I specifically said I was not interested in a short sale, nor were we in jeopardy of foreclosure as we have never missed a payment and did not intend to. 
( 2 ) I was sent an application but said on the application I was only hoping to look at options - perhaps a different percentage rate, or possibly just a fixed rate. I tried calling numerous times trying to tell people that I just wanted to talk to someone about my options but no one would return my phone calls. 
( 3 ) In XXXX we got a decline on assistance with our loan and that we were not eligible for FORECLOSURE alternatives. - " Due to the reason I was not evaluated on other criteria ''. I had no idea what this meant and tried to call but my phone calls were never answered. Shortly from the decline we got a letter sending us information on selling our house on a SHORT SALE! I continued to call people and ask them about this correspondence and what it meant but could n't connect with anyone. 
( 4 ) In XXXX I got a fee charge on my mortgage statement of XXXX. I called again and talked to someone who said that it was a mistake and would be removed. 
( 5 ) The next month this fee went up to XXXX and I called again. I finally wrote a letter how unhappy I was with their service and wanted the fee removed from my statement. 
( 6 ) In response to my letter a person called and I asked her to remove the fee from the statement. She said she would have to check into it and see what it was for. Many months later she called and said that the fee was for an appraisal. I replied that I did not ask or give permission for an appraisal nor was I sent a copy of the appraisal which by new laws they must send to me promptly. 
( 7 ) A month later I was sent what they called an appraisal. ( It has now been at least six months later ) It was not an appraisal - it was an exterior BPO and done by a realtor and not a certified appraiser. I have a real estate license and I know that according to FIRREA rules that we can not do appraisals for mortgage loans as this is illegal. It also states that if lenders wish to ensure payment for appraisals they must request payment before. ( Strangely I was studying the new laws of the CFPB for my continuing education in real estate in XXXX. ) ( XXXX ) As I have found out that getting help with mortgages from the government is a big farce I feel I should not have to pay for an appraisal which I was told was a mistake, and which it says right on it that it is NOT an appraisal, and I certainly did not receive it promptly. Asking for help with my mortgage not only has caused a lot more stress for us, but now I have more money to pay and a lower FICO score.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-02-24 00:00:00
Product: Payday loan — 
Issue: Can't stop charges to bank account — 
Company: Big Picture Loans, LLC
State: FL

Complaint narrative:
They denied me the ability to pay the loan off. Very rude and unprofessional. They want me to keep paying this loan every payday. I need assistance with this please.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-05 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
I have a complaint against Wells Fargo Bank. 

I gave XXXX my bank account number and routing number to withdraw money on a certain day. 

When that day came, I did not have money in my account. Wellsfargo charged me {$35.00} for not having money. XXXX tried to take money from my accoutn continuoisly every day. It has caused XXXX to XXXX times {$35.00}. When I called Wells Fargo, they refused to refund the whole fee. I earn $ XXXX as a XXXX. Paying {$140.00} out of my meager income in Wells fargo fees is over whelming. 

The bank is practicing lack of compassion and poor judgement in this punitive act. 

Please have Wells Fargo refund the {$140.00} to me. Thank you. 

XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-19 00:00:00
Product: Mortgage — VA mortgage
Issue: Settlement process and costs — 
Company: WELLS FARGO & COMPANY
State: OR

Complaint narrative:
This is against WELLS FARGO for allowing a XXXX party to sign for the primary holder XXXX XXXX XXXX, the bank told me in XXXX he walked into back and paid loan in full personal casheirs check. XXXX has absolutely no knowledge of this nor was present. 
As stated in the past my father has been a victim of many kinds of theft, theft of property mostly while being harassed for the last 42 years plus as well his mother and father before that. New developments have come to light that XXXX Mortgage services has been involved with XXXX XXXX XXXX in the matters before the Supreme Court Washington State involving XXXX Original Orient District Free Hold, whereas the Counties and the Lawyer 's as well as the Courts, Banks and Document Holding Companies are allowing this to happen based on lies and deceit of fraudulent XXXX as Documentation to induce Forefieture by way of XXXX and XXXX XXXX et. seq. illegally, XXXX XXXX ; XXXX is the Victim and has paid for all these properties several times being tricked by title company XXXX XXXX XXXX and also others listed above in thinking he was in debt so far never to recover and only way was to sell then refinance as to asset was already paid in full and use equity in favor of other parties committing fraud against the consumer and creating fraudulent documents in pairs or triple document sets only altering and only giving partial disclosure to all involved, Now the XXXX XXXX XXXX has said XXXX is the Insured yet no one allowing coverage to the insured customer and without access to the property because of thugs and harassment, i.e XXXX XXXX assaulted by many at store in XXXX someone unplugs phone during call to XXXX and Officers tell XXXX XXXX and son to stay off property they own because of fraudulant paperwork a lawyer did, still to this day after filing a law suit no help, courts have administratively stayed this matter but never mandated to lower courts because of dishonest Lawyers and Title Companies. 
Also Title company XXXX states XXXX sold these properties but they were refinanced XXXX/XXXX then sold without XXXX XXXX and XXXX had complained as much as anyone could legally about fraud to bank and others involved. XXXX has been Maker since XXXX according to developments forwarded to CFPB and being The Insured even to the Original Purchase of XXXX funny Dad and us did n't buy the property till XXXX and payed out the ear after gifted to my dad from my step mother XXXX XXXX? This is the tricks these companies pull with judges, lawyers, clerks, and congressmen and weman, i.e XXXX XXXX is allowing this to happen he has been contacted numerous times and ignored also said it 's OK to HIT AND RUN with a Suspended License and Assault with a Vehicle a XXXX man if you or your parents work for XXXX XXXX XXXX will help otherwise DIE & XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-12 00:00:00
Product: Credit card — 
Issue: Other — 
Company: CITIBANK, N.A.
State: KS

Complaint narrative:
I opened an American Express XXXX rewards account back in 2011. Recently, American Express sold the XXXX loan portfolio to XXXX due to XXXX dropping American Express at their stores. When I recently viewed my credit bureau report with XXXX, American Express is failing to accurately report my credit history from XXXX to XXXX. Specifically, they are not reporting my monthly balance, my monthly payment, or how I paid the account. When I went on XXXX 's XXXX page, others are reporting the same problem. Many are stating their credit scores have dropped by XXXX-XXXX points. Mine has dropped as well. American Express should accurately report the customer 's credit history despite the loan transferring to XXXX. It seems like a really manipulative way to get back at XXXX for not renewing their contract. While I have filed a dispute with XXXX, I believe the Consumer Financial Protection bureau should be made aware of the situation anyhow. Plus, American Express should report my credit history accurately on all XXXX of my credit bureaus. Lowering my credit score could cause me and other consumers to pay higher amounts in interest on future loans.

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 2016-10-02 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Please refer to Describe Section of XXXX and XXXX. 

All related to multiple account # 's issued to same home and prohibiting any possible private investor to consider paying Wells Fargo when accounting issues and novation contracts involved with home as determined by Certified Fraud Examiner. 

Please also refer to recent extensive financial ruin initiated XXXX XXXX XXXX XXXX XXXX XXXX and Recorder 's office due to a Legal Doc Assistant suggestion of Acceptance of Deed and Grantor Trust ( just like a Living Trust ). These agencies have blocked me from securing new employment. Thus, harmed my chances of possible modification or other options. This recent event happened on XXXX XXXX, 2016 due to a XXXX investigator abusive communications over a phone -- - and clearly trying label me a Sovereign Citizen due the non-standard docs created by XXXX BUT approved XXXX XXXX Counsel and Supervisors at Recorder 's office. Again, I have a warrant for my arrest due to the XXXX leaving out the words '' Except for this liens in public record. '' I can not lose my home due to the uninformed XXXX investigator. This event has been horrifying and I ask Wells Fargo to please provide me material disclosures, and give me time to recover from XXXX event and secure possible modification or other settlement resolutions in case material disclosures were not issued to me concerning the use of my home and credit 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 explanation
Consumer complaint received 2016-03-01 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I asked city bank for hardship modification because i was going over some family problems. i was approved around XX/XX/XXXX, but when it came time to make my monthly payments i was instructed by a city bank representative that i had to do my payments online and that it was the only way to make a payment. i will call several times every month to make a payment but the only only answer that i would get from the representative was follow the instructions online which i did but nothing would work. I let the representative know about my problems but their only advice was there is nothing we can do and keep following the instructions. I have never denied my self in making a monthly payment, but city financial does not want to take my payments except on line. I received a letter from XXXX XXXX XXXX/XXXX/XXXX Homeowner support specialist which i have been trying to contact since without luck. on XXXX/XXXX/XXXX i received a Foreclosure in process statement for lack of payments. city bank would not take into consideration that i was approved for hardship modification loan. city bank does not want to work with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-05 00:00:00
Product: Mortgage — Other mortgage
Issue: Settlement process and costs — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
Regarding my complaint # XXXX. I have been informed that Wells Fargo Mortgage has once again requested an extension of their deadline to repospond to my complaint. The CFPB must do a better job of protecting this consumer. For more than XXXX years I have attempted to get details on a charge called " Unpaid second principal balance ( of ) {$7800.00} attached to my mortgage modification. And, for the second time, they are representing that they have to do " more research '' of their closing documents to determine the reason for attaching this charge to my modification. Wellls Fargo 's Mortgage department must be held to a legal and reasonable standard of consumer lending disclosure and transparency. Either there is a closing statement that discloses the details of this charge or they are attempting to further delay any resolution in hopes that I will drop my complaint ( s ) .This past and current conduct in responding with detail to the CFPB and me is tantamount to consumer fraud and must be addressed forcefully and quickly. That is the charge in the CFPB legislative authority and the public deserves better. I expect a more timely resolution to this complaint. ( The several Wells Fargo employees who have responded to my question in the past month are : XXXX XXXX on XX/XX/XXXX ; XXXX XXXX on XX/XX/XXXX and SVP XXXX XXXX by mail. ) Thank you, 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 2015-11-11 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
Why are we still allowing banks to allow charges to go through when our balance is XXXX? And then charge up to five times in the same day overdraft fees? This is a predatory practice by Wells Fargo. The online balance does n't update, they play a shell game with your charges to cause you to fall below your actual balance. Now I find they can cash post dated checks. If it 's my bank, my account, why am I the only one out of control? Anyone who wants my money gets it and I am forced to take a loan? Banks are syphining money from the working poor and they treat us like we do n't matter! I was charged {$120.00} for a total of {$80.00} worth of charges? Loan sharks do n't charge more tha. The loan??? Protect the consumer and REGULATE THE BANKS!!!!!!!!!!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation