vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-05-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Ditech Financial LLC
State: NJ

Complaint narrative:
I originally filed a complaint on XX/XX/XXXX, Complaint Number XXXX and Ditech did not answer the questions asked nor did they provide the correct documents ( which I will attach in this complaint ). The escrow account is still short over {$3000.00}. I am attaching documents that outline the following : 1. The tax payments were taken from my OLD LOAN in XX/XX/XXXX., XX/XX/XXXX., and XX/XX/XXXX, before the closing ( document that was attached to the surplus check we received ) 2. The 2nd and 4th pages of the closing document ( information was blacked out in the letter received from Ditech regarding this complaint ) where {$3100.00} was put in escrow at closing and then taken out of the new account two weeks later. No one notified us from the mortgage company that our NEW loan started out with XXXX in our account.

3. Attached are 3 XXXX XXXX from XX/XX/XXXX and XX/XX/XXXX. In XX/XX/XXXX there were property taxes paid from the OLD ACCOUNT - Loan # XXXX, in the amount of {$2000.00}, which is the amount that we have been missing in both XX/XX/XXXX and XX/XX/XXXXto have the XXXX XXXX correctly reflecting the taxes paid for that year. If you look at all the documentation there were 3 payments made to the tax assessor in the first quarter of XX/XX/XXXX. One from the old account and 2 from the new one.

4. In the letter from XXXX XXXX, Customer Care Mgr. from Ditech, on the first page she states " The Tax Detail also shows that due to the duplicate payment, you paid {$11000.00} in taxes in XX/XX/XXXX, but due to the credit of {$2000.00}, only {$7200.00} in taxes in XX/XX/XXXX. '' This is incorrect since there is no documentation showing we paid {$11000.00} in taxes in XX/XX/XXXX. See attachments for XX/XX/XXXX where there are two XXXX XXXX. One tax payment from the old loan and one from the new loan.

5. The escrow refund check sent to us was SURPLUS from the OLD ACCOUNT. The amounts are not the same from the old account vs. the new one that was set up. We were told at closing that the closing costs INCLUDED the {$3100.00} that is detailed on the closing document on Page 2 ( Attached ).

6. We have repeatedly asked over and over if the surplus check was supposed to be in the new account and Ditech " made a mistake '' then where exactly did all the money go that we paid at closing and can we have an itemized list of costs that total {$8000.00} ( which includes the {$3100.00} escrow amount ). Also, the amount of the surplus check and the escrow amount originally put in the new account are not the same.

Please have DItech look at this case again and resolve our escrow and tax issues. Thanks!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Early Warning Services, LLC
State: MD

Complaint narrative:
I was not involved in running the daily operations, unfortunately, I was on a leave dealing with my ailing XX/XX/XXXX ... .... I have been put into XXXX and EWS over a {$320.00} check sometime last XXXX. 

I am willing to provide any documents needed including an affidavit, that there was NO FRAUD and any amounts owed once justified will be made good I am in Peril, I need a checking account to go forward in life, I can not get cash, I can not open an account. 

I totally object to the way my situation is being handled by the following institutions. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Incorrect information on your report — Account information incorrect
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
My name is XXXX XXXX and my address is XXXXXXXX XXXX XXXXXXXX XXXX, XXXX, XXXX XXXX Early this year I have closed my account Checking Account XXXX and my Overdraft Line of Credit account XXXX with Citizens Bank. XXXX XXXX XXXX XXXX, XXXX XXXX It took a while to ascertain that all the balances were XXXX before the account was closed. I never received a written confirmation of the account closing. 

In early XXXX I noticed that Citizens bank reported a 30-day past due balance on my account which significantly dropped my credit score. I reached out twice to the Citizens ' customer service with the rep always assuring me there's no balance one my account  and that they are not sure of the origin of the adverse credit report information. 

When I finally got on the phone with a more senior rep named XXXX and can be contacted at XXXX, I was informed that I somehow have a {$7.00} balance on my account and since I have no account with them, I can not get a bill - neither in the form of a letter, or a phone call or an email. And the late fees are accumulating, and the fact that I am not paying is leading them to report to the credit agencies.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-05-14 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: CITIBANK, N.A.
State: CA

Complaint narrative:
Around XX/XX/XXXX XXXX changed its credit cards from American Express to Citi cards. I had automatic payments set up for American Express. I told XXXX representatives that I did not want to open up a new citi card and agreed to closing my American Express card. Since I had automatic payments set up for my American Express, all fees should have been paid for, but Citi opened up this credit card under my name without my consent. Never did I call to activate this card nor did I sign to open this card. Instead my membership fees for XXXX was transfered over to this new Citi card without my knowledge. Around XX/XX/XXXX, I was in the process of selling/buying a home when my credit report was pulled out. This is when I first realized that I had fees and an activated card without my consent. I immediately called Citi credit cards and paid the remaining balance. I explained my situation and the representative apologized and said that this was a common complaint. She then refunded me the late fees that I was being charged. She then said that she was going to remove the lates and that she would close the account. Come to find out in XX/XX/XXXX Citi never made the changes but account was closed and paid in full. Now after numerous attempts with Citi, the continue to disagree and will not take off the incorrect late reportings for XXXX, XXXX and XX/XX/XXXX. It is inaccurate reporting and unfair for me especially since I am trying to buy a home. This is affecting my once pristine credit score. Please have Citi remove these lates from my credit report as they have refunded me the late fees.

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 2018-05-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Ray Klein, Inc.
State: OR

Complaint narrative:
I paid a debt to XXXX XXXX XXXX in XXXX of 2017. 6 months later in XXXX they reopened the previously close and paid in full debt and now it's at {$100.00}. I do not owe this and it is affecting my credit rating. I am making this complaint and will hope they take it off my credit report. This still impacts my credit rating and my overall financial health. I was supposed to be building my credit rating to buy a house. Now I've been sabotaged!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I contacted Citibank via phone to make a routine transfer between my accounts. At the time I was told my account was " blocked ''. I later found out it was blocked due to a " XXXX '' review. An email sent to me in XXXX that I did not open requested information. Since XXXX Citibank never contacted me to follow up on the email. They never : sent a follow up email, sent a letter via mail, called me or the additional signers on the business account, They did however hold on to our hard earned money which did not allow me to access funds I needed to make payroll for my 35+ staff. I believe if they blocked my account they should give me my money and close the account - not hold on to it until it's cleared. 

Further, after I submitted requested paperwork and heard it will take 4 days to clear my account NO ONE from Citibank contacted me. Instead I had to contact them on the 2nd day to find out what is going on.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: CITIZENS FINANCIAL GROUP, INC.
State: NJ

Complaint narrative:
Hello, I opened online an platinum checking account with a {$400.00} promotional bonus after certain requirements are met. I have tried for a week to confirm that my account is coded correctly as I have received no confirmation of the {$400.00} bonus is attached to my account. 
1. An online inquiry sent on XX/XX/18 has gone unanswered as of XX/XX/18. 
2. A call to customer service has been met with we do not have that information.

3. A call to web account opening department has been met with we can not see that information.

4. A transfer from # 3 above to the sales department had me transferred back to # 3 above.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells Fargo reference number XXXX OnXX/XX/XXXX, I opened a checking account in response to a Wells Fargo promotion for a " XXXX bonus offer. '' The Bonus code was XXXX. The bonus was the reason I opened a checking account with WF. 

The bonus required 1. open a new checking account with a minimum deposit of {$25.00} by XX/XX/XXXX 2. within 60 days of account opening, EITHER make 10 purchases/payments with your Wells Fargo Debit card or .... 

" We [ WF ] will deposit the bonus into your new consumer checking account within 45 days after eligibility and qualifications have been met. '' I met the conditions of the promotion within the time period. After two statement periods, reflecting more than 10 debit purchases, WF refused to honor the bonus. I called WF three times. Each time, WF insisted I needed to make 10 purchases EACH MONTH. Ten/month WAS NOT a condition of bonus offer XXXX. 

OnXX/XX/XXXX I initiated a complaint via phone, ref # XXXX. Rather than the advertised {$100.00} bonus, which was the inducement for my opening an account with WF, I received a {$50.00} cashier 's check..

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 2018-05-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Receivables Performance Management, LLC
State: MD

Complaint narrative:
I was a victim of ID theft and XXXX  blocked the fraudulent trade lines as required, BUT two of the items are now being reported under a different name. someone opened a XXXX   account and also tried to rent an apartment under my name. if u noticed my previous complaint you will see the blocked company " XXXX XXXX '' tried to collect for XXXX   and now " performance management '' is trying to collect for the same blocked 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 explanation
Consumer complaint received 2018-05-14 00:00:00
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Ceannate
State: OH

Complaint narrative:
FMS called me many times to collect a debt. They claimed that they are a 3rd party source that could set up special payments for me to pay down my loans with myfedloan so I could finish school at University XXXX XXXX. When they called me, I had maxed out my loans so the only way to finish up my last XXXX classes was to get some of my loans paid down. XXXX XXXX called me from University XXXX XXXX today, XX/XX/XXXX to find out if everything is OK with me because they haven't received any money yet. I have made payments to FMS on XX/XX/XXXX for {$680.00}, XX/XX/XXXX for {$180.00}, XX/XX/XXXX for {$180.00} and XXXX  has not received any of it. I was just made aware today that I could pay XXXX  directly.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-14 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: R & B Corporation of Virginia
State: VA

Complaint narrative:
I have XXXX XXXX XXXX  on my credit report for {$390.00} of a debt that is not mine I sent them a validation letter in XXXX and never heard anything back however they are refusing to remove this from my report

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-14 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: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I bought the counterfeit handbag from the XXXX and store refused to take it back. I paid {$1000.00} for the bag on XX/XX/17. Master Credit card Ihg chase didn't provide eligible paperwork from the XXXX to me, despite I asked it for many times. I was not able to reply to the merchant as I was not able to read what they are saying. The credit card closed the dispute and told me that I can reopen it with additional information. I paid {$89.00} for the authentication letter from XXXX XXXX which is specializing in authentication of the high priced handbags. The document is supporting previous opinions I received that the bag is not made from the crocodile skin as advertised. The credit card opened a new dispute for {$1000.00} and denied it because it was not in dispute time frames. It is not clear why the amount is different. In addition, credit card accepted the merchant 's friend opinion from XXXX. XXXX came with the conclusion that it is crocodile skin only because he never saw counterfeit handbags from XXXX. The statement has no ground if he didnt see fake handbag before it does not mean that it doesnt exist, and should not be used as proof in the dispute. Master Credit card Ihg chase supporting illegal store activities.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY
State: MI

Complaint narrative:
I applied for and was approved for a home mortgage loan with Wells Fargo. 
The closing was XX/XX/2017. 
Throughout the process I was led to believe my interest rate was/would be 3.375 % fixed/30 year mortgage - as I had a credit rating of over 825, and be compensated with the best interest rate available ( I was led to believe ). 
My Closing Disclosure stated my interest rate was 3.375 % variable ... that it could increase up to 1 % in the " 13th Month '' or " Second Year '' ... but did not state any reason it should/would increase, especially increasing a full 1 % ....! 
At the time the interest rates were going down, and that was the assumption on my part.That this would never be an issue. This is also what I was led to believe! 
This was my second home loan with Wells Fargo, I had previously paid off my first home mortgage in full with no issues. 
I never considered the possibility I would be exploited with a full 1 % interest rate hike/ increase, from the first mortgage payment in XX/XX/2017! This 1 % hike was far more than I ever expected, and feel I was exploited with misleading legal talk and documents. 
I did call them on this, stating my Closing Disclosure stated my interest rate would be 3.375 % ... ..at least for 13 months ... and why did they increase to the maximum the 1st payment? My Mortgage statement has 4.375 % since the first payment! I did not understand their answers, they said they'd look into it. There was no reason for a full 1 % rate increase and no increase was allowed for 13 months, especially 1 %. I told them I felt I was exploited in the process, the representitive I had at Wells Fargo, XXXX XXXX, is no longer working there, so I couldn't follow up with him personally. 
I have not hear back yet.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.

Complaint narrative:
My credit report appears to be mixed with someone else with a lot of bad arrears and county court judgments and an address linked to my account that isnt mine its resulted in them obtaining credit cards in my name that have been used to rack up large debts that Im now finding out about

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AES/PHEAA
State: NC

Complaint narrative:
I submitted my request for Income-Driven Repayment Plan on XX/XX/XXXX, I received confirmation of approval on XXXX XXXX. Approval for repayment amount is currently {$0.00}. Since the approval XXXX has reported past due/late payments for XX/XX/XXXX - XX/XX/XXXX. I called to inquire about the incorrect data being reported to the all three credit bureaus and have been advised to submit supporting documents, which I have via fax and uploaded the documents on my XXXX account. However due to the inaccurate reporting my credit score has decreased drastically and I have been denied for a home loan due to the most recent late payments reflecting on my credit report. Please provide assistance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am a victim of repeated identity theft. There were several RECENT accounts opened in my name and it seems the accounts are attached to one of my homes Im rarely at. 

1. XXXX XXXX Open Date : XX/XX/XXXX Balance : {$24000.00} I filed a police report XX/XX/XXXX for identity theft and sent it to all bereaus, totally unaware at the time of this account cause it wasnt posted yet. This is not my account, please remove this. Its off my XXXX  but Equifax and XXXX has yet to comply even though Ive sent in police reports. 

2. XXXX XXXX Credit Card Open Date : XX/XX/XXXX Balance : {$1200.00} Again this is not an account I authorized nor opened. I filed a police report. I was staying at my other home in XXXX, XXXX   at the time these accounts were opened. 
I am asking Equifax, XXXX XXXX, and XXXX  to please remove this fraudulent account. 
3. XXXX XXXX XXXX Open Date : XX/XX/XXXX Balance : {$8500.00} Ive filed a police report on identify theft. 
4. XXXX XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$7500.00} This account has been reporting since XX/XX/XXXX. Ive disputed this account. Also, XXXX   Statue Of Limitations on debt credit reporting is 6 years. This account is still reporting to Equifax and XXXX  in XX/XX/XXXX. That is against the law. Please remove this account

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: MD

Complaint narrative:
Ocwen scheduled Foreclosure Sale without providing a Recent Loss Mitigation Package. There are discrepancies is the Amount Owed on my Mortgage. Ocwen would not provide proof of Servicing Rights.  No Proof of Transfer. No Proof of Amount Transferred. XXXX XXXX was used and there are discrepancies. Ocwen has Robo Signed our documents. I have been given another 30 year loan when i.didnt ask for One. OCWEN has not addressed these Issues. I am in XXXX XXXX and XXXX XXXX. This has caused me additional XXXX  and hardship.

Company response to consumer: Closed with explanation