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: LoanCare, LLC
State: NY

Complaint narrative:
I have only been in my house for a little over a year and a half and already my original loan was sold to LoanCare a few months ago. They told me that my escrow account did not transfer over and 5 months later I received a statement from LoanCare stating that I have a  XXXX   XXXX  dollar shortage and that my mortgage was going up $  XXXX  /mo. I calle d immediately and was bounced around from one person to another saying that it was because my taxes or insurance went up, but I contacted my tax assessment office and insurance office and they did not. I was promised a call back and received nothing. After not receiving a call back I called again insisting to speak with a supervisor, to which no one was available. After calling back again the following night I was eventually told that until they figured out why there was such an increase in monthly mortgage payment, to continue paying my normal payment and they would get back to me. After trying to reach this same person time and time again with no such luck ( even though I had her name and ID # ), I was told that they could not honor the original agreement until they spoke with her ... which NEVER happened despite calling several times for over a full month. I went from speaking from one supervisor to the next and that they were going to send a 'priority email ' and that I would hear back the next day-which of course I never did. After calling yet again they were conveniently out of the office and I left another message with no response. After speaking to someone and reassuring me that things would be taken care of and I would get an answer the following day ... no one called and the increased mortgage am ount ( {$750.00 } higher than normal ) was directly taken out of my account without authorization. I called in a panic and no one was able to help me and I never received a call back. This company completely pushes you around fro m one person to  the next and can never give you a straight answer or a call back. I had asked to meet in person but since they do not have a physical location they could not do this. They claim they could not cc me on any of their emails because they can only interoffice email which  in 2017    seems like a complete crock. LoanCare is completely unreliable and it is pathetic that they can not even call back their customers and that are trusting them to handle thousands of their dollars and make false statements and lies.

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 — Checking account
Issue: Account opening, closing, or management — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
My bank withdrew money form my account without any notice, for an account that I had over 6 years ago, that I had closed in satisfactory status. when I closed my account, the teller did not inform me that the account would actually stay open for 6 days an the bank processed transactions that I was trying to stop which caused an overdraft, then made the account negative and when I attempted to close it again, they refused saying they will not close an account with a negative balance. but had they closed it when I originally requested, there would not be any overdraft or negative balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-19 00:00:00
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: Risecredit, LLC
State: AP

Complaint narrative:
To whom  it may con cern, I 'd like to make a complain abo ut RISE Credit. W e originally signed up for a {$3000.00} with an interest rate of 208 %. I have been paying {$520.00} every month and paid a total of {$5500.00} and they want me to pay them  until 2018. This  has been a burden for me and my family. As an  XXXX   XXXX  military member i have reached out to my chain of command regarding this issue. I have been advised by financial counselors that in accordance w ith Military Lending  Act says that you ca n't be charged an interest rate higher than 36 % on most types of consumer loans and provides other significant rights. I am currently working with my loca l Judge Advocate General 's Office to g et some help with legal issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-20 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Caliber Home Loans, Inc.
State: OH

Complaint narrative:
As of  XX/XX/2016    my ( {$38000.00 } ) 20 yr.  mortgage loan was suppose to be paid off with CIT/Caliber Home Loans. They are now telling me that it is a simple interest loan and interest is accrued daily on top of the interest and I still owe {$15000.00} even though I have made the 240 payments that my promissory note states. They do not give me a timeframe of how long this will take, because of the daily interest. My interest rate for the la st 20  yrs has been 10.85 % and payments have been made in a timely manner to them. I originally got a loan from  XXXX   XXXX  and then it was sold to  Caliber Home  Loans. I have contacted them many times the last few years telling them that at the rate I am paying, this loan will not be paid off when loan states even if it all went to the principle amount. They just kept telling me it would be. Now that it should be paid in full, they say it is because of this daily simple interest charge, which I do not see anywhere in my contract. I dont feel I owe them anymore money and am at wits end trying to solve this. I have talked to someone about refinancing just to drop the interest rate but they too feel this should be paid in full and gave me this website to maybe get some help in resolving this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-21 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
Bank  of America has encouraged users to sign up for notifications when their account balances get below a certain amount. I have set up these aler ts. On the morning of  X/XX/2017   , I received an alert that my balance was at or below {$4.00}. Since I was on my way in to work, I decided I 'd swing by the bank and deposit cash on the way home. Later that day, I was at my desk working and received another notification that my balance was overdrawn on  X/XX/2017   , which means  1  ) B of A did not send any notification of a low balance prior to  XXXX  and  2  ) sent me a misleading notification on the morning of  XXXX  about the status of my account so they could charge me  XXXX  overdraft fees that would have been avoided if they 'd sent me the notifications when the actual events occurred as opposed to after the fact and out of order. When I called B of A to file a complaint, the customer service reps basically told me I ca n't rely on the technology they encouraged me to rely on and that I just have to check my account balances every day. They also seemed to feel that receiving a notification in the morning that you have a low, but positive, balance on  XXXX  then being followed by a notice eight hours later that you have a negative balance as of  XXXX  makes all the sense in the world. They also have returned to the practice of paying out larger payments that come in later before smaller payments that come in first causing excess overdraft fees, which they were successfully sued for several years ago.

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 2017-04-18 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: MI

Complaint narrative:
For the past couple of years I have tried to make my payment online to Nationstar Mortgage. Their system allows me to separate my payment by regular monthly payment and then additional principal payments. My normal payment principal and interest is {$1700.00}. For several months I was paying {$1900.00} and showing {$200.00} to go toward principal. Those funds were always put into an unapplied account. I called several times to complain and was told each time it would be taken care of. It never was and I had to call every month or every couple of months for them to apply toward principal. I stopped for a few months because it was just a hassle. The past few months I tried to pay additional principal and they put it toward the following months payment. It 's as if they are trying to stop me from paying additional principal. I would like to pay my mortgage down quicker so it is paid in full by the time I am  XXXX . They are prohibiting me from doing it without calling in. This does n't seem right and I do n't know what to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-19 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: GOLD KEY CREDIT, INC.
State: IN

Complaint narrative:
I was taken to the hospital while   XXXX   XXXX   XXXX   XXXX   XXXX    XXXX   XXXX   XXXX . The bills are essentially workman 's compensation injuries. The state has neglected to resolve this issue in a timely manner, and I am still in the process of having them take care of the bill. Please contact my liaison  XXXX   XXXX  at  XXXX  XXXX  XXXX  or  XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-17 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Summit Collection Services, Inc.
State: NJ

Complaint narrative:
After not paying a few monthly payments to my school due to a  Family  crisis. My balance with my university of {$8000.00}, was brought over to a collection agency. An additional 30 % charge was added bringing it to over {$10000.00}. Is that a correct amount of interest they can charge me? I currently live in NJ as well as the  Collection Agency  is based out of. I want to make sure I have the nessesary information before I continue paying off this loan with them.     Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-19 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: BARCLAYS BANK DELAWARE
State: PA

Complaint narrative:
On  XXXX   XXXX ,  XXXX , I opened a Mastercard  XXXX   XXXX  account. The holding bank was : BARCLAYS BANK  XXXX   XXXX   XXXX , DE --  XXXX  I closed the account in late  XXXX . I had n't received the card, and was n't using it. The representative I called agreed that my account would be closed. I paid off the final fee. A year later, I was sent a bill for my new annual fee, even though I had asked to cancel the card. On  XXXX   XXXX ,  XXXX , I again called the service center associated with the card. I was told the fee would be waived and my card would be canceled. Instead, Mastercard kept on billing me, loading my credit report with a late payment. I 'm told I now owe {$130.00}, and I was denied today in applying for a new credit card because of the impact on my credit report. I would like the {$130.00} to be waived, and the association with Mastercard and Barclays erased from my credit report. Best regards,  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 monetary relief
Consumer complaint received 2017-04-18 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: IL

Complaint narrative:
I had water damage to my home. My insurance company wrote a  two pa rty check made out to the lender and myself. The lender deposited the funds into their account and wo n't release them to me. After months of meeting their demands for proof the damage was completely repaired and the contractors paid in full, the lender still has my money and is not releasing the funds.   The loan is current and paid as agreed.

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: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
XXXX  separate hard inquiries have appeared on my experian credit report. I believe there have also been  XXXX  on my equifax report but  XXXX  have been removed. All of these have been from Amazon/C hase for Amazon c redit cards. My husband and I started receiving them about the same time just a few months after refinancing our home. After conta cting Chase af ter I believe the  XXXX  inquiry, they stated they would remove the inquiries from my credit reports but they have not done so. The inquiries were on  X/XX/XX ,   X/XX ,  X/XX ,  X/XX ,  X/XX ,  X/XX ,  X/X ,  X/X ,  XX/X/XX ,  and  XX/XX/XX .   Below, I am noting below I have contacted the company but not for the most recent date.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-21 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
Someone stole money from accounts at both   XXXX    XXXX   XXXX  an d Wells Fargo Wac hovia Bank. I want to know how to qualify to get money back, There have been  XXXX  Civil Suits about both banks. There are several mistakes about the banks statements  XXXX  about wells fargo is they charge me several nsf fees after they stole the money if you look at the statement they stole the  XXXX  then charge me  XXXX  of bank charges .then they stole from   XXXX   XXXX   XXXX   on  XX/XX/2011    and when i went to bank and got money on  XX/XX/2011    that is not on there the the have the balance incorrect on  XXXX  balance is  XXXX  then on  XX/XX/2011    balance is  XXXX  which is incorrect they have it backwards. There was just a class action law suit file on wells fargo and i should have been  XXXX  of the people to qualify top get money back. why dont people look in the data base to see how many people have had claims file against these banks to stop this from happening there is someone who also got credit cards in my name and a house mortgage on my credit report.

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 — (CD) Certificate of deposit
Issue: Account opening, closing, or management — 
Company: Comerica
State: CA

Complaint narrative:
I will be following this up with a letter to the bank, but thought this might be  another avenue  to reach someone. Recently I took my father, the accountholder, to the Comerica Bank branch in  XXXX   XXXX , CA. The purpose was to order a duplicate  XXXX  and copies of relevant statements on the account because we believe that funds were withdrawn without proper authorization. The statements will be needed for legal action, however, we did not relay that information to the staff at the branch.   Upon first speaking with th e Branch Manager, s he told us we had to go back to another branch to order the documents. That makes no sense since we can visit any branch to transaction business, why did we have to be inconvenienced by going to another branch to request documents.   Then we were told since the account was closed she could not provide bank statements. We understand there is a charge for copies of statements but she kept insisting that since the account was closed we could not request copies of statements. In fact, her last directive to us was that we had to serve a subpoena in order to receive those copies. By the way, the account had only been closed since  XXXX   XXXX  and the account has been opened since the late  XXXX  's.   I work in the banking industry and know about record retention and the facts as given to us were simply not accurate ( requiring a subpoena to obtain customer documents  ).    Lastly, we wanted to order a  XXXX  on the account since it appears to have been misplaced. Again, we were refused and told to subpoena documents.   When I asked to speak to her supervisor, she gave me their number fo r Quality Assurance  at  XXXX . I did in fact call that number and to this day have not received a call back. In fact, while in her office she called the same number and received a voicemail. I asked " What number do you have to call  as a Branch Manager wh o needs immediate assistance ''. She said she calls the same number. I wanted to immediately talk to someone of higher authority and was essentially refused.    XXXX   XXXX   XXXX   XXXX .  XXXX   XXXX   XXXX   XXXX , CA  XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-19 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
A company calls at least twice a day attempting to collect a debt that I do not owe, I have talked to someone at least once a year and th ey tel m e they have my home phone number for someone else other than me, the company continues to call me year after year for the past 8 years. They stop calling fro m one nu mber then call from another number. At this point, no one answers when I pick up and I believe they are robo-calling, it is annoying and I now believe this company should compensate me for the years of repetitive calls for a debt that is not owed by me!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-20 00:00:00
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Amazon Prime s ent me on  XXXX   XXXX  an renewal membership online for its product offering this credit card through Chase Bank I remember that I had this membership closed it on  XXXX  for the same reason I did not want it and I would cancel This Service a year ago and I told them no to offer it me anymore For some reason maybe my misunderstanding online They did renew it again my membership that I did not authorize, I called to Chase Credit card on mids of  XXXX   XXXX , They told me that I Dont worry about it, that I Have to call Amazon to Let them know and They were going to solve it all, I did talk to them again as per today  XXXX  and They said that I Have to file a dispute on writing even I said to them that operation has never had my permission That is why I am filing this complaint

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 — Public record
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Sent letters. no response

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: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Collection Resources, Inc.
State: TX

Complaint narrative:
I do not recall this debt, i do n't reside or go to drs or hospitals in las cruces, i would like to see original paper work that shows it was indeed me that made these charges and if it is then i want to pay for it. this collector keeps selling the note and keeps coming out on my report and i have no clue where its from.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Settlement process and costs — 
Company: CITIBANK, N.A.
State: NV

Complaint narrative:
In  XXXX , my decease husband bought a {$160000.00} home with a FHA mortgage.   In  XXXX , we began dating and married in  XXXX . Several months later, he was diagnosed with  XXXX   XXXX   XXXX .   In  XXXX , a month after I purchased my first home, my husband died and left me his home. His lender ; CitiMortgage forced me to sign a " non-quali fying Loan Assumption Agreement '' ;  even though the payments were current to prevent them from accelerating the loan. I was assured that the Agreement would not be reported or recorded to affect my credit.   In  XXXX , I filed Chapter  XXXX  to consolidate my bills and discovered  XXXX  FHA mortgages listed on my credit reports and was forced to include them in my plan.   In  XXXX , the Chapter  XXXX  was voluntarily dismissed due to failure to make payments.   In  XXXX , after CitiMortgage faxed a copy of the Agreement to me that they never executed which makes it null and void. As a result, I was denied loan modifications because " I ca n't have more than one FHA loan at a time. '' In  XXXX , I lost my government job in  XXXX  after 7 years.   In  XXXX , my first home to foreclosed so my sons and I moved into my husband 's home that was used as a rental throughout the years. I applied and was denied loan modifications.   In  XXXX , I was forced to file Chapter  XXXX .   In  XXXX , after my bankruptcy was discharged in  XXXX , I discovered that CitiMortgage has reported to the  XXXX  bureaus that I owned my husband 's mortgage since  XXXX . This was the reason I was denied credit, employment, high insurance premiums and put me at risk for federal fraud as a first-time home-buyer. I filed a Fair Credit Reporting Act complaint with the Illinois Office of the Attorney General and CitiMortgage continued to deny fault by stating they are exempt from signing an agreement for a federally backed loan. My husband 's home was foreclosed in  XXXX  and is scheduled for auction on  XXXX   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