vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-06-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Flagstar Bank, National Association
State: TX

Complaint narrative:
NYCB clearly believes it 's mortgage servicing " policies '' are above Federal Laws.
In the case of a Decedent - NYCB literally, put in WRITING, in a reply back to my first complaint filed with the CFPB : They " had told me already that they do not accept delegations '' from a United States Court Appointed Personal Representative regarding loan information. So sorry, but - what?? The Legal, court appointed, stand in for a XXXX person has no delegation rights over a mortgage loan with NYCB? On what planet would this be considered legal? Let alone Humanly Decent? To make this stance even more deplorable, it is a FALSE statement. They did NOT tell me that they did not accept a Personal Representative 's delegations, AND I WAS able to speak to an NYCB representative regarding this loan account with the Personal Representative 's permission and transfer over the phone. So which is it? They DO accept delegations, or they DO N'T? Was the phone transfer not a delegation? I 'm confused, are you? NYCB blatantly made these statements, back to a CFPB complaint, in writing! . Additionally, NYCB has already very clearly violated at least 5 Federal Laws, and then had the audacity to completely skirt their violations, and make additional irrelevant, as well as more false and misleading statements in their reply back to my first CFPB Complaint. Do not trust this Mortgage Servicer to provide information that is anywhere in the vicinity of the truth. They violate Federal Laws with abandon, and clearly have no respect for the US Legal System, or human beings. If that 's not enough, they will flat out lie. Oh, yes, AND NYCB will attempt to, or get away with, illegally taking your real estate - while doing it.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-20 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: CA

Complaint narrative:
My identity has been compromised or stolen. I filed a police report and notified Experian, XXXX and XXXX XXXX. I feel that they are not taking the matter very seriously at all.

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 2017-06-20 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: C.Tech Collections, Inc.
State: NY

Complaint narrative:
Beginning of XXXX I received a letter regarding a medical debt. I only was provided with the amount and account number, no service date. I called an the creditor stated that the debt was owed. I asked for clarification since the doctors office stated that insurance information was provided. I also informed them that by law a XXXX recipient was not liable for medical debt, therefore the collection efforts are to resolved by the debtor and insurance. Mid XXXX I received another notice regarding the same debt. again no date of service or clarification. Called the creditor to explain that this is illegal and to stop sending notices. Creditor rep became nasty and I terminated the conversation with a goodbye.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX continually does a HARD credit inquiry EVERY month alleging " approaching credit limit '' which causes my credit score to not only go down BUT adds additional inquiries to my total destroying my score. THERE IS NO REASON TO ADD HARD INQUIRIES EACH MONTH JUST TO SAY APPROACHING LIMIT AND RUIN MY SCORE. This is an ABUSE of the credit reporting system and is done in retaliation by XXXX to attack customers holding balances on their account. My account is current, NOT over limit and not in violation of terms and conditions STOP THE ILLEGAL HARD CREDIT INQUIRIES BY 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 2017-06-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX continually does a HARD credit inquiry EVERY month alleging " approaching credit limit '' which causes my credit score to not only go down BUT adds additional inquiries to my total destroying my score. THERE IS NO REASON TO ADD HARD INQUIRIES EACH MONTH JUST TO SAY APPROACHING LIMIT AND RUIN MY SCORE. This is an ABUSE of the credit reporting system and is done in retaliation by XXXX to attack customers holding balances on their account. My account is current, NOT over limit and not in violation of terms and conditions STOP THE ILLEGAL HARD CREDIT INQUIRIES BY XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX continually does a HARD credit inquiry EVERY month alleging " approaching credit limit '' which causes my credit score to not only go down BUT adds additional inquiries to my total destroying my score. THERE IS NO REASON TO ADD HARD INQUIRIES EACH MONTH JUST TO SAY APPROACHING LIMIT AND RUIN MY SCORE. This is an ABUSE of the credit reporting system and is done in retaliation by XXXX to attack customers holding balances on their account. My account is current, NOT over limit and not in violation of terms and conditions STOP THE ILLEGAL HARD CREDIT INQUIRIES BY 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 2017-06-20 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: CA

Complaint narrative:
My identity has been compromised or stolen. I filed a police report and notified XXXX XXXX and Trans Union.
I feel that they are not taking the matter very seriously at all.

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 2017-06-20 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: EQUIFAX, INC.
State: CA

Complaint narrative:
My identity has been compromised or stolen. I filed a police report and notified XXXX, Equifax and XXXX XXXX. I feel that they are not taking the matter very seriously at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Advance Bureau of Collections
State: GA

Complaint narrative:
I WAS RENTING APATMENT AND I PAID FIRST AND LAST MONTH RENT DURING MOVE IN PROCESS AND WAS NOT BEHIND AT THE TIME I MOVED OUT WHICH WAS IN XXXX 2015.  NOTICED NEW COLLECTION ON MY REPORT IN THE AMOUNT OF XXXX DOLLARS IN XXXX 2015 WITHOUT ANY NOTICE.I AM NOT RESPONSIBLE FOR THIS AS I WAS NOT LATE AND ALSO PAID FOR LAST MONTH. THE APARTMENTS WERE XXXX XXXX LOCATED ON XXXX XXXX XXXX XXXX GA XXXXRENT WAS XXXX.COLLECTION AGENCY IS ADVANCED BUREAU OF COLLECTIONS.I HAVE NO CONTRACT WITH AGENCY.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: CA

Complaint narrative:
In XXXX 2017 I sent FedLoan Servicing the requested paperwork to re-certify my Income Based Repayment Plan. I received emails from them stating they received my documentation, and then another email saying they needed extra time to process my paperwork. I never heard from them again and in XXXX 2017 I was billed the monthly payment for the Standard Repayment plan ( over {$2000.00} ) which I can not afford. I re-filled out another IBR request, received confirmation they received my materials, and have not received any other documentation from them. Currently my loans are listed as " in forbearance '' (?!?!?! ) and I will be billed ANOTHER {$2000.00} in six days. I do not have this money!!!! I have done nothing wrong, I have complied with the IBR re-certification rules, and I 'm not getting ANY communication or information from FedLoan Servicing about what happened to my applications or why I am in forbearance. It is worth noting, in XXXX 2017 I applied for consolidation after learning I might be eligible. I cancelled the request after learning I would lose years ' worth of PILF-focused IBR payments. I cancelled the consolidation request in early XXXX and received confirmation of the cancellation. A couple weeks later I got notification that my consolidation applicatoin was almost complete! I had to cancel it a SECOND time on XXXX XXXX, 2017. At this time I do not want to consolidate my loans. All I want is my IBR/RE-PAYE to be re-certified with my updated income and family size and to continue paying my loans and working towards PILF.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: NV

Complaint narrative:
On XXXX XXXX, 2017 I disputed {$3600.00} for a larger charge to XXXX XXXX on my Citibank Visa account. A letter stating reasons why I was overcharged were provided to Citibank customer service on XXXX XXXX. A request for details of the amount were requested and within a day a complete breakdown of the overcharges were given. On XXXX XXXX, 2017 and over 90 days and over three billing periods later the bank decided to charge back the {$3600.00} previously credited. My issue is that the bank exceeded the time allowed to resolve my billing dispute in accordance with FTC requirements. I am asking for the return of the charge as the bank did not fulfill its statutory obligation.

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 2017-06-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: M&T BANK CORPORATION
State: NY

Complaint narrative:
On XXXX17 my automatic mortgage payment deducted {$890.00} from my savings account to pay my mortgage. On the same date, I deposited {$900.00} to cover this amount in full. On my electronic statements both of these transactions are listed as being completed on XXXX17. I then received an insufficient funds notification. Their company policy according to service reps I have spoken to in the past is that if a deposit and withdrawal take place on the same date then there is technically no insufficient funds. The payment " presented '' the day before and therefore charged me for insufficient funds for a transaction that would take place the NEXT BUSINESS day.
Again, I am penalized for funds not being available the day BEFORE the financial transaction posted and was withdrawn from my account. Customer service argues the semantics of this magical " presentation '' of my payment rather than accept responsibility for an error in their policy vs practice.

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 2017-06-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: U.S. BANCORP
State: OH

Complaint narrative:
Pulled my credit and seen a hard inquiry from a company I do n't know what it is and I never got nothing from 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 2017-06-20 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: U.S. BANCORP
State: CA

Complaint narrative:
In 2010 I had a bank account that was closed out due to INSF funds, under the amount of {$500.00}. This account was charged off and sold to a collections company called XXXX XXXX XXXX. A woman by the name of XXXX XXXX using the phone number XXXX XXXX XXXX when she contact my workplace multiple times as well as a relative who she told several details of the account to. She told me that I have less than a week to come up with a balance higher than the money owed to the bank, or I would be served and prosecuted for felony bank fraud and have my workplace contacted and my wages garnished. She stated that she represented US Bank as the client who was suing me, but failed on multiple requests to provide me with proof of debt or her own identity.

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 2017-06-20 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
A letter was sent to my house today XXXX XXXX 2017 ( date on the letter XXXX XXXX 2017 ) which states I opened an account and they are closing it due to serious delinquency. I never opened an account with this online store ( amazon.com ) or the bank behind it ( Synchrony Bank ). I called their fraud department and they asked me my social security number, which I refused to give but gave last four digits so they can find the information about the fraudulent account ) so far, they said no account was found with my social security number but they reported me to XXXX, which lowered my credit score I am trying to ameliorate. The person I talked to, also tried to get my father 's social security number, we have similar names. I never opened an Amazon store credit card and definitely never plan to do so.

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 2017-06-20 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
Citimortgage holds this mortgage. My escrow payment this year is {$840.00}. The escrow balance is {$800.00}. The account is terminating at the end of this year and no major payments are due until after it has terminated. The current escrow balance is enough to pay the flood insurance, the only payment due during the remaining life of this mortgage. I want to get the escrow payments removed since there is no need for them and I do n't know how long it will take to get the escrow reimbursed. I talked to someone at Citimortgage and she told me that this should be no problem but later they refused, claiming some rule at XXXX XXXX. I do n't believe this - it must be a trick to keep the use of the money for a few months. I checked the XXXX XXXX website - they do n't normally require the an escrow more than five years. In any case, what possible rationale can there be for collecting escrow payments when nothing is due? I have attached the latest escrow calculation and a document showing that the mortgage ends in XXXX, 2017.

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 2017-06-20 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Bread Financial Holdings, Inc.
State: NJ

Complaint narrative:
On XXXX XXXX someone stole my identity. This women went into a Victoria 's Secret in Rhode Island asked the cashier to do an instore look up on my account and charged a total of {$5700.00} on my existing account. Before these fraudulent charges my account had a XXXX balance for 2 years. This women never had possession of the actual card when she made these purchases.I called Victoria secret to report this when I found out on XXXX and followed up with a letter. A few days later they sent me a fraud packet to fill out which I did and sent it back. I provided them details of the fraud charges, a copy of my police report, copy of my identity theft report, and gave them the police officers contact info to obtain a copy of the store security tapes showing it was not me who made those purchases in the store in a state 300 miles away from where i live.They are reporting the {$5700.00} charges to my credit report and it dropped my score a lot. To date they still have not resolved this issue and it 's past 2 billing cycles. When I call for a status I 'm told they must keep their investigation open for a full 90 days and that additional info is needed but refuse to tell me what else they need.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: WELLS FARGO & COMPANY
State: WV

Complaint narrative:
I obtained an auto loan for a XXXX XXXX XXXX from Wells Fargo Dealer Services. I put {$5000.00} down. It was a five year loan, so originated in XX/XX/XXXX or so. In XX/XX/XXXX,  vehicle was towed, and I could not locate it. The towing company insisted on the title, which remained with Wells Fargo. They were unhelpful. I later learned that dishonest tow companies do this sort of thing, and apply for a salvage title. I continued to pay Wells Fargo through most of XX/XX/XXXX, but finally, defaulted, because a ) they would not assist me in proving title, and b ) there was only {$5000.00} or so left on the loan, and I thought they could retrieve their collateral. I occasionally question Items on all three credit reports. In the past, Wells Fargo sends in a proof of claim, and it stays as is. I did it again in XX/XX/XXXX.  WellsFargo Dealer Services reacted with XXXX, XXXX, and XXXX by moving the default date up to XX/XX/XXXX, changed the amount due to {$7000.00}, and do not mention my original amount due and paid. So, it looks as if I just defaulted on an entire loan. This violates the Fair Credit Reporting Act, and immediately reduced my FICO score by 40 points. I have complained to them, but do not expect any follow up action. Given their fraudulent credit cards exposed recently, I think that the culture there is rotten throughout. There is no way I can really be made whole. I am going to buy a share or two and attempt a shareholder 's derivative suit, as wells as sue in Federal Court for these violations, but know that I can not stand against this " too big to fail '' behemoth. Please assist. I am not alone here, just feel like it. I do not want money, but rather someone to stop Wells Fargo from consumer lending, and the Board of Directors answer for this rotten culture. The should be removed for fiduciary violations and corrupt practices.

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 2017-06-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: FIRST NATIONAL BANK OF PENNSYLVANIA
State: MD

Complaint narrative:
My husband and I have been banking with First National Bank Located in XXXX, Maryland XXXX, for the past three years. Two months ago when logging onto my online portal I was asked to Opt-in to the overdraft program. This is something that was routine with my account from the beginning so I thought it necessary to continue participation. Since joining this " Overdraft protection opt-in '' My husband and I noticed our transactions were not showing, pending and posted in the order in which the bank receives said transactions. After careful review of our Bank statements and {$550.00} in overdraft fees in the last 7 days we made a call to our branch manager " XXXX ''. I, personally called the bank last week at the onset of the first round of charges. {$110.00} on the XXXX of XXXX and {$74.00} on the XXXX of XXXX. These fees were assessed for debits totaling under {$5.00}. at the time a Bank representative " XXXX '' took my call and explained to me that debits where product is received such as food or gas post immediately. She said unfortunately she can not refund any of the fees because the bank needs to stay below 5 % in returns of fees or the " government '' will shut them down. This brings us to today ... Over the weekend my husband and I used our debit card for several very small purchases. Monday morning the account showed a balance of {$11.00} and ZERO overdraft fees. Several of our transactions were in a " pending '' or " posting '' status. By tuesday morning however all the transactions " pending '' had been moved around and a arch debit transaction of {$200.00} was posted FIRST even though the date on the transaction is three days later! On XXXX XXXX, 2017 the bank assessed fees in the amount of {$370.00}!!!!!!!!!!!!!!!!!! This was possible because the transactions were rearranged causing the largest transaction to hit first and in turn make the bank the largest amount of money. Had our account posted in the order in which it came in or appeared in the Portal our total overdraft fee would be {$37.00}. My husband called the bank and spoke to XXXX the Manager who condescendingly told him we need to learn to balance our check book. She also informed him that she deposited {$110.00} into our account on the XX/XX/XXXX to cover the fees when in fact, she WITHDREW the {$110.00} from our account on that date. My husband and I are beside ourselves.. Several items were rearranged including transactions from the same store! Date and time stamps do not lie! Please tell me there is something you can do, or we can do!

Company response to consumer: Closed with monetary relief