vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-12-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: SUNTRUST BANKS, INC.
State: IL

Complaint narrative:
On XXXX/XXXX/XXXX an account was opened at a SunTrust Bank branch in Florida using my Social Security number and someone else 's name. I do not and have not ever had any accounts at SunTrust Bank. 

XXXX monitoring service provided an alert prompting me to call the bank to determine the nature of the alert. 

XXXX I called SunTrust bank noting that I had received an alert and that fraud was suspected. They opened a Fraud claim and they were unable to provide me with additional information other than I need to wait for an investigator to contact me. I was told I would be contacted in XXXX hours. 

( After XXXX/XXXX/XXXX with all of the additional documentation and proof of identity that is needed to open a bank account, I do NOT understand how they could use my social and another name. Is there no validation of the social and name in any banking or federal database? ) XXXX called SunTrust bank again for follow up. Was told they are still waiting for the investigator and that I would be contacted in XXXX hours. They are unwilling and/or unable to provide me the contact information for an investigator or information to adequately protect my credit and identity. If the person committing the fraud is using my social security number, I should be provided the information/address of the account or relevant information to protect my interests

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 2017-12-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: JTM Capital Management, LLC
State: NY

Complaint narrative:
Back in XXXX I made an arrangement with the collection agency they offered me XXXX to pay in XXXX installments, I paid XXXX dollars and the remaining XXXX was supposed to be paid sometime in XXXX. I gave them my checking account information but when I was away on vacation my checking account was compromised so I closed the account, when I got back from vacation the collection agency called my job, I asked them to not call me at work, if they needed to get in touch with me they can write to me. I explained to them what happened and I also told them I could not pay the balance of XXXX they said they would contact the original creditor and see what they wanted to do. To this date as of XXXX XXXX, XXXX I have not received anything in the mail but I got a phone call again at my job, on XXXX XXXX, XXXX they did not provide me with their name only the company name they threatened to speak with my human resource department When I called back I spoke with a XXXX XXXX who is a supervisor at the company and I told her I was sending the company a cease and desist letter I also faxed a copy of the cease and desist letter to them and I also emailed the cease and desist letter I also told XXXX XXXX if they needed to get in touch with me to send me something in writing my mail and she said they dont do mail only by email, so she sent me a payment letter saying that I agreed to pay XXXX by XXXX XXXX, XXXX which I did not agree to. XXXX XXXX is also accusing me of giving her a fraud checking account information. Please see attached the letter they sent me for payment, the cease and desist letter along with the fax copy page

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
American Express charges over {$400.00} dollars in Interest plus + late charges. I was late twice in making the payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-21 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
I purchase a sofa set in XXXX I looked at a sectional an set on I order sofa love seat got it when I set on it I sinks so low that I am setting on the frame I called and called final after XXXX weeks of waiting on a call I went explain they sent some one to the house .he offer me more pillows saying that it sink and that it is far back an he will go into the office do a report. since XXXX XXXX I been waiting calling and no reply they let me inquire about a new couch but I am still waiting I understood I have seven days but I called an had to wait to go there I am making my payments for a sofa I do not set on I ask for an exchange in I upgraded still waiting. I went to value city purchase XXXX received it XXXX XXXX called XXXX XXXX waiting on call went in supervisor in meeting XXXX hr called a XXXX called me I went in XXXX XXXX explain they decided I have to wait till inspector come out he did I made inquire still waiting as of 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 non-monetary relief
Consumer complaint received 2017-12-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BARCLAYS BANK DELAWARE
State: NV

Complaint narrative:
I applied for the XXXX XXXX issued by Barclays online on approximately XXXX XXXX, XXXX. My account was issued and opened on XXXX/XXXX/XXXX. Based on the information advertised online I was to receive XXXX bonus points after spending {$1000.00} on credit card charges within the first 90 days of the card being issued. I only received XXXX bonus points. I have made two calls to customer service this past week and was informed I will only receive XXXX. I stated to the reps. that is not the program and benefits being advertised on the XXXX/Barclays credit card site and the company is deceiving customers. None of the reps have been able to rectify the issue. I called on XXXX, XXXX XXXX, XXXX and XXXX, XXXX XXXX, XXXX. I was transferred to various reps who said they could help me and to no avail. On XXXX XXXX, XXXX, I was transferred to a manager who said she would call me back and no return phone call. 

The second reason I applied for the XXXX card was the advertised interest rates. The lowest interest rate was advertised at 12.99 %, 20.99 and last tier 25.99 %. I have excellent credit anywhere from XXXX to XXXX 's credit score. I was issued 20.99 % interest. After calling back after receiving card, I was never given a reason why I was issued 20.99 % interest rate given my great credit score. No rep would give me a diffinitve reason of my interest rate. Only, well your a new customer! 

Please research Barclays and put a stop to false advertising for this credit card!

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 2017-12-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: TX

Complaint narrative:
On Monday XXXX XXXX, I received a call from Ditech, my mortgage company advising me I was late on my XXXX payment. I advised them that the payment was sent and received on XXXX XXXX and that they were mistaken. 
I was then told that the payment for XXXX XXXX had not been received and I advised them that the payment had cleared my bank on XXXX XXXX. 
The Rep then stated that " Ditech '' had inadvertently credited my account with 2 payments in XXXX XXXX, when it should actually should have been credited one payment. They stated that I needed to pay this payment to make the account current. 
At this time Ditech has started adding late fees and Im sure my Credit Score will soon reflect their mistake. 
It is beyond me why I should pay to correct their mistake. They could not provide me any answer as to why I 'm being forced to pay for their mistake. I am current on all payments.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP
State: WI

Complaint narrative:
I have always received a check to pay my property taxes. It has always come around the middle of XXXX. I called today XXXX because I have not received it yet. I was told that it was changed to installments in XXXX. I did n't receive any notice of the change. And will not be able to take a tax right off if it is n't payed in full 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 2017-12-21 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: Dealer Funding, LLC
State: NC

Complaint narrative:
Ive tried to contact XXXX XXXX XXXX ( formally dealer funding ) and they 've denied my request. To Whom It May Concern, Thank you for taking the time out of your day to read this letter. I just pulled my credit report, and discovered that a late payments was reported on [ XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX ] for my account [ loan  account number XXXX ]. 

During that time, my mother fell terminally ill, and I was the only one left to care for her. As such, I had to leave my job, and my savings went toward her healthcare expenses. I fell on very rough times after she passed away, and was unable to make my car loan payments. 

I realize I made a mistake in falling behind, but up until that point, my payment history with you had been spotless. When I was able to gain employment once again, I quickly resumed paying my student loans, making them a priority. Then i was hospitalized for a few weeks and it cause me to lose another job. 

I 'm not proud of this black marks on my record, its 5 of them, and I would be extremely grateful if you could honor this request to remove the lateness from my credit report. It would help me immensely in securing other lines of credit so that I can further improve my credit score. rebuilding my future. 

If the lateness can not be removed entirely, I would still be appreciative if you could make a goodwill adjustment. 

Thank You.

Company response to consumer: Untimely response
Consumer complaint received 2017-12-21 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: AES/PHEAA
State: IL

Complaint narrative:
My XXXX student loan was bought by XXXX. They said they were going to move the student loan over to the XXXX system, and give me a 71 % discount on the loan. I have n't been able to make any payments because I am paying the XXXX student loans. 

It is showing that this loan is going in default, and also that the loan has n't been switched over to XXXX. 

I am filing this to get a deferment so that the XXXX Student loan can be transferred over at the new 71 % discount rate, which would make the loan originally less than XXXX dollars. 

The implementation of the loan onto XXXX 's website has taken so long it has started affecting my credit score. 

I tried to call AES to put the loan on forbearance or deferment but to no avail they will not work with me to do the deferment. 

I need it to be deferred XXXX more months. So the loan can be transferred over to XXXX, and be rolled into the bankruptcy settlement.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
I am trying to defer my payments again, because I am having severe financial difficulties. My home got damaged in the storm and the check that I received from my wind & storm company will not cover the entire amount that the roofing companies is asking. I am just asking for defer payments until next year or a much lower monthly payment for both loans.I am willing to pay back, but they are keep billing me for high late fees and increasing the loan every time I ask for assistance. This has been going on for the last XXXX or more years.The loan date is XXXX/XXXX/XXXX. My loan amount is now {$42000.00}, which has almost doubled from when I first received the loan. I have had deferred payments and Foreberance because they refuse to lower my monthly payments where as I can afford to pay monthly. Thanks,

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
An account for Citibank was opened through the website for a checking account. Terms and conditions have been met. Citibank has not refused to honor their website promotion and claims to have no knowledge of promotion code even though their promotion code was pre-filled on their website. Citibank has not declined to honor their promotion. I attempted to resolve issue with bank but they refused to honor their promotion. Promotion was for {$500.00} and they are only willing to pay {$300.00}.

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 2017-12-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: HUNTINGTON NATIONAL BANK, THE
State: TX

Complaint narrative:
Our house experienced flooding from Hurricane Harvey on XXXX/XXXX/XXXX. We obtained our insurance proceeds from the XXXX XXXX XXXX XXXX ( XXXX ) in the amount of {$250000.00} based on the estimate of flood damages. The check was made payable to us and the mortgage servicer, Huntington National Bank. We understand that the Mortgagor, XXXX XXXX wants people to repair their homes and not walk away from the flood damaged homes by allowing the homes to go back to the Mortgagor, XXXX XXXX via the foreclosure process. However we did not expect the mortgage servicer, Huntington National Bank to  hold funds and make it difficult to get inspections on the status of the home so that funds can be released to the builder who is putting the home back in its original condition. We have filed several complaints including one open complaint with XXXX XXXX Case # XXXX regarding the issue of Huntington National Bank not setting up inspections timely and allowing the builder to go unpaid. How bad is it? I have spoken to Huntington National Bank on  several occasions including XXXX XXXX in their property damage department to try and schedule timely inspections. Now I have been assigned to one of Hunting National Banks corporate officers, XXXX XXXX ( XXXX XXXX XXXX to specifically address the situation based on complaints filed. I have informed XXXX the house would be complete by XXXX/XXXX/XXXX and we needed to have weekly inspections so we could have the builder paid to avoid the filing of a lien and the work being stopped for lack of payment. Luckily the builder was convinced he would be paid so he has continued working. However the home is complete and we only have approximately XXXX of the XXXX in insurance proceeds that is due to us and the builder for re-construction. This is not how the process is supposed to work. We can not be that far off the inspection process to assume the home is only 50 % complete when in fact it is now finished. I feel like this is gross negligence by the service provider on the handling of the fiduciary funds held in escrow. We are now in the process of hiring an attorney to sue the mortgage service provider, Huntington National Bank for breach of fiduciary duty. This is completely uncalled for and not what the intent of the avoidance of the foreclosure process was intended for. We have suffered undue anguish from having to worry about whether the builder was going to complete the home since he has not be paid for the work timely and how we would come up with additional funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
I have a cash reward card with navy federal credit union .I received the card in XXXX of this year. my first payment was in XXXX this year. minimum payment {$20.00} but I pay {$50.00} a month. since I have the account I have paid {$200.00} on the account the amount Is still at {$400.00}. plus the money that receive from the reward card from the purchase that I made. from using the card have been added in the the amount that I owed from card. the reward card was {$500.00}. I had spend All most all the money before I started to make payments on the card .and I know by me paying more each month on that account. that the extra payment should cover whatever charges that they are charging me each month.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-21 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ProCollect, Inc.
State: TX

Complaint narrative:
I received a letter dated XXXX/XXXX/XXXX, indicating that I was eligible to receive a 50 % discount of the debt and have the debt deleted from my credit report. The original debt is {$3000.00} ; discounted is {$1500.00}. I responded on XXXX/XXXX/XXXX, the due date as indicated on the letter, by phone and was told that they would not speak to me and that I had to send an email to " XXXXXXXXXXXX ''. I requested a payment plan and offered to pay {$35.00} per month beginning XXXX. 

On XXXX/XXXX/XXXX, I sent a follow-up email as I had received no response. 

On XXXX/XXXX/XXXX, I received a response indicating that I owed the entire balance of over {$3000.00}. I responded back immediately and asked them to review my initial email. 

On XXXX, I received a response indicating I owed the entire amount.

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 2017-12-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have expressed that the following addresses are incorrect and that they need to be removed. I have also called all collectors to update my only address that needs to be on file. The following names are also incorrect and have never been linked to my social security card. My phone number on file should also only be XXXX instead of this long list of phone numbers that are not mine. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX I sent over my DL and social security card with my name listed as XXXX XXXX XXXX XXXX and my address as XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2017-12-21 00:00:00
Product: Credit card or prepaid card — Store credit 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: Bread Financial Holdings, Inc.
State: VA

Complaint narrative:
I am disputing the balance of XXXX on my XXXX credit card acct. Balance is very high and I have found multiple errors on my last billing statement alone, to be very concerned about the handling of my acct, to date. I have sent in overpayments on purchases too and no one seems to " know '' where money went. 
XXXX XXXX XXXX creadit card .... REFUSES to address my overcharges of items and added postage on my XXXX charge account. Company continues to give the EXCUSE " we can not see what original charges and they WILL NOT send me a representative name and a fax number, so I CAN SENT THEM A COPY of my account history, to review charges for errors on my acct. It is very clear that there has been mismanagement of my account over months now. 
I am disputing the account balance with XXXX customer ser. and bank, both companies are not working with me to address my over charges and both companies have been reported to the Better Business Bureau. 
** I am still waiting for a final response from Better Business Bureau Florida on XXXX customer service with their companies final response as to what they are willing to do to help me resolve this issue. 
** '' I just want to pay this card off and get these companies out if my life. I however will not continue to pay in an acct, that I am getting over charges on. 
***history OF ATTEMPTS to resolve attached.

Company response to consumer: Closed with explanation