vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-05-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: WI

Complaint narrative:
I submitted a complaint on XXXX XXXX regarding freedom mortgage XXXX. Since taking over my account they have not properly performed the escrow analysis on my account with the schedule escrow timetable. I was told that my escrow analysis would be performed in XX/XX/XXXX. The original complaint that I filed with the CFPB states that they would also perform the analysis in XX/XX/XXXX. Freedom mortgage still has not complied. As a result Im paying more towards my escrow then I should instead of my principal. The last time they performed an escrow analysis was in XXXX of XXXX, which is again not the timetable for homes in Wisconsin. They continue to do my analysis on the date they took over my loan. Freedom continues to pay little regard to the large nominal difference in my payments for homeowners insurance. Then instead of paying me out for overpayment on my escrow they find ways to say Im short. This lender again isnt in compliance and isnt properly handling my account. Now that XXXX has passed im again requesting an escrow analysis be done on my loan outside of the schedule since they again didnt do as they promised.

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 2019-05-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
Opened checking and savings account with Citibank to receive their {$400.00} or {$500.00} Checking Offer ( " Checking Offer '' ). Requirements were to open joint checking/savings with a deposit of at least XXXX, keep this balance for at least 60 days, have a qualified direct deposit made for two consecutive months. 

Initial deposit was made through a wire on XX/XX/19 for XXXX into the checking account. Then moved XXXX to savings for a combined deposited amount of XXXX, also on XX/XX/19. The balance has been at XXXX since initial deposit with additional deposits each month. They did charge a fee by mistake on XX/XX/19 but refunded it on XX/XX/19 and stated this would not affect the promo, # XXXX. My biweekly ach paycheck was added on XX/XX/19 and has been deposited ever since. 

On XX/XX/2019 I received an email I was ineligible, stating The required deposit balances were not maintained during the offer period. I called Citi Bank the following day was said a case would have to be opened, I have not heard anything since.

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 2019-05-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
On XX/XX/2019, I applied online through XXXX XXXX via XXXX for a Chase Freedom credit card, which immediately showed up in my XXXX credit file as a hard inquiry. More than a week later on XX/XX/2019, I received a reply from Chase in the form of a secure message through my online account with the merchant ( I have two existing credit cards with the merchant, a Chase Slate and Chase AARP credit card ) requesting that I phone in to verify that the application was submitted by me. I responded the same day with a secure message through my online account indicating that the application was indeed submitted by me, but chase repeatedly insisted that this would not suffice and that I would need to phone in. I indicated yesterday that since the request to verify my identity was made through my online account, it should also be possible to process my identity verification there, and that I wanted the hard inquiries Chase made to my credit files removed if this were not the case. Chase responded today via another secure message by once again requesting that I phone in.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-17 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: DISCOVER BANK
State: NJ

Complaint narrative:
In XX/XX/XXXX, I spoke with Discover Student Loans regarding changing my due date to the XXXX of each month. Discover agreed to change the due starting XX/XX/XXXX as stated on the document. The loan was set up on the automatic debit. Loan payments were being debited on the XXXX of each month. I again spoke with Discover Student Loan customer service to request the due date change to the XXXX of the month. Discover stated starting XX/XX/XXXX, the due date would be changed. On XX/XX/XXXX and XX/XX/XXXX, Discover processed an automatic debit for loan repayment from my checking account. These payments were returned unpaid and my Bank assessed me a {$30.00} charge each time. Discover has committed a violation of Regulation AA. Discover mislead me in their communication that the due date would be changed to XXXX of each month. 

On XX/XX/XXXX, Discover informed me that my automatic payments would be stopped and I would lose the discount associated with automatic payments.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-05-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL

Complaint narrative:
I was shocked when I reviewed my credit report and found 120 days late payment on the dates XX/XX/XXXX to XX/XX/XXXX. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF THE WEST
State: OK

Complaint narrative:
I responded to an advertisement that Bank of the West was to give totally free checking. I received several fee related charges like NSF, Transfer Fees, any Fee, didnt have something fee, too much this fee, so they closed the account and it wasnt over drafted from missing money, just all fees, then closed the account. It left me with a very bad mark with XXXX reporting agency. My XXXX report is trashed, all because of a free account. I also went to the hospital for 120 days for XXXX XXXX. ( XXXX can prove this ) Ill pass on California anything! Can I get help anywhere? Please?!

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 2019-05-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
I was shocked when I reviewed my credit report and found 120 days late payment on the dates XX/XX/XXXX to XX/XX/XXXX, XX/XX/XXXX to XX/XX/XXXX. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-17 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Harpeth Financial Services, LLC
State: KY

Complaint narrative:
XX/XX/XXXX I am currently on Leave of Absence from my job and have scheduled XXXX on XX/XX/XXXX for a XXXX XXXX XXXX XXXX XXXX. I am struggling right now. I made a partial payment on my account on XX/XX/XXXXand set up a partial payment for the XX/XX/XXXX, and was unable to pay due to going on emergency LOA on XX/XX/XXXX that was unexpected due to complications related to my XXXX. I have been with XXXX XXXX, XXXX Tennessee since XX/XX/XXXX and have always made my payments in a timely manner and always contacted them if I would even be a few hours late paying. I called as soon as I new it would be a problem to make that payment They informed me they do not have a Hardship Program for my situation even though they have made over {$2000.00} in interest payments from me over this period of time. It was a situation where I needed to get away from a XXXX XXXX situation in XXXX, Tennessee and needed to open that again as important for me to move to XXXX, KY. So since they do not have a hardship program for me, they specifically threatened me with collection process that would even send me to their ATTORNEYS for immediate action and that I would no longer be able to talk with them. I feel this is very unfair practices since I have been so loyal to pay them when due. Please advise if I have any rights to this. I had a bankruptcy inXX/XX/XXXX Chapter XXXX and that affected my ability to get any type of traditional loan. My identity has been stolen twice in the last 5 years due to my health care provider being Cyberattacked. I am dealing with a lot here. Anything you to do would be truly appreciated. 
Sincerely, XXXX XXXX XXXX e mail XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, KY XXXX XXXX XXXX  24/7 XXXX XXXX XXXX XXXX, TN XXXX My account # XXXX my phone # is XXXX cell landline XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
I applied for a purchase loan on XX/XX/19. It took days to get assigned a loan officer, who has been very unresponsive. It took 10bdays to get the preapproval for my loan, come to find out on XX/XX/19 they will not accept dividend income, which lowers my income by {$1000.00} per month. She indicated that if I could not prove dividend income for the past 2 years that we would not be able to move forward with the loan. She did not even provide other options or solutions based on the fact that I meet the federal housing authorities guidelines. 

My income per month is {$6400.00} Which I have already provided all of the verification documents for. My monthly expenses are XXXX XXXX student loans {$810.00} Dept of Ed student loans {$280.00} Auto loans {$300.00} &  {$220.00} Credit card payment ( penfed ) {$280.00} TOTAL = {$1800.00} DTI = 29 % I have significant reserves {$60000.00} that can be used if nessessary to gets my DTI in-line to what they would prefer but anticipate it to be under 25 % on the front end and under 50 % on the back end. As it is currently structured my front end DTI would be 17 % and my back end DTI would be 46 %

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: IL

Complaint narrative:
I am current on my payments so far. 
The problem is I am late on the month of XX/XX/XXXX and the month of XX/XX/XXXX the XX/XX/XXXX payment has already been paid and yes maybe the other payment I have paid them a bit late but I am current.

I am experiencing a fraud situation with the bank that I currently make the payments with.

There was fraudulent activity going on and as I have disputed the transaction and open a claim complaint with the bank. They said it would take up to 90 days to solve this matter and because it was more than 2000 dollar they need to further investigate. My account was hacked as some hacker took my debit card numbers and hack them and used them in the state of Ohio and California I live in Illinois and have not shopped in those states.

I have informed me.cooper about my situation and they have denied to help me by not reporting it to the credit bureau as late payment and also to wave the late fees for XX/XX/XXXX and XX/XX/XXXX but they refused to as I explained the reasons of why I need there help its just the late fees. They have already issue a new late fee this month but I sent them a pdf letter explaining the reasons of what was happening with the bank account and they still refused to not wave the late fees. I am very happy that they have gave me all this much help but I need help now too this late fees were not my fault as I intend to pay o time before the XX/XX/XXXX or XX/XX/XXXX of echa month to avoid the late fee charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
On XX/XX/2019 I tried to make a mobile check deposit thru the Wells Fargo mobile app. The app ask you to enter the amount of check. When the amount was not verified on the system ' error amounts do not match ''. There was no way to enter or override and say the amount I entered is CORRECT. After several attempts with this and not being able to read my check, I drove to bank to use the atm. During the drive almost hitting two deer to get to the branch so I may go to work, the atm does read my check correctly. The check amount was for XXXX and it picked up XXXX. There is no way to manually correct that! I finally decided to hit accept and let the XXXX go in, as I did not want a returned payment that was coming out.

I called up Wells Faro and now there automated system could not recognize my voice and gave me a hard time. Almost an hour after I just wanted to make a check deposit, I finally get to speak with someone to file a complaint. The Rep XXXX  was more or less useless! I appreciated he at least apologized, yet I know that was the end of it as far as Wells Fargo is concerned.

I have been banking with Wells Faro for years. I've had a mortgage with them at one point, checking, savings, credit card, line of credit, IRA with them. With the lack of courtesy and convenience that is advertised on their products and web sites. I told the rep, I would be looking into closing all my accounts and there was no care.

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 2019-05-17 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: NH

Complaint narrative:
IrecentlyreceivedcommunicationfromCFPBindicatingmycomplaintaboutFedLoanServicingwasresolved.However,CFPB'sreplydoesnotaddressrecently-identifiedissuesthatmyon-timepaymentsmadetoXXXXXXXXXXXXXXXXwerenotcountedtowardmytotalforPSLFduetobillingmistakesmadeonXXXXXXXX'part.ItalsodoesnotaddresshowFedLoanServicingwillcorrectproblemswithintheircall-insystemthatIhaverepeatedlyexpressedconcernoverandthatpersistwithinthatcompany.

InmyreplyIindicatedIwantedtoknowhowmanypaymentsarenotbeingcountedtowardmytotalforPSLF,howthosewillultimatelybeappliedtothetotal,andalsohowtheproblemsthatexistwithinFedLoanServicing'scustomerservicecall-insystemwillbefixed.Frommyperspectivethisbusinessisavoidingtheissue.

IfIneedtobeginaformalcomplaintwithXXXXXXXXXXXXXXXXoranotherbusinessentityIwouldappreciatereceivingexplicitguidance.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-17 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Penn Credit Corporation
State: FL

Complaint narrative:
Thiscompanyjustpoppeduponmycreditreport.TheyNEVERsentmeANYTHING.IdisputedthiswithXXXXXXXXXXXXinXX/XX/XXXXandbecausetheycouldnotprovethisdebt,theytookitoffofmycreditreportandthenSOLDittosomeoneelsewhoneversentmeanything.Now,IcheckmycreditandtheyaddedthemselvesonXX/XX/XXXXwhenIwonthedisputewithXXXXXXXXXXXXonXX/XX/XXXX.Howisthatevenlegal???

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-17 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I filed and was discharged on a Chapter XXXX bankruptcy case. A company who was included in the bankruptcy and was discharged continues to erroneously report the account as being open. Equifax is the only bureau it is reporting to. I have tried numerous times to file a dispute with Equifax but they make it impossible to communicate. The online " tool '' tells me to call a number and the number is impossible to get a live person. I get " confirmations '' that it has been resolved/completed, yet it still shows up on my report. At this point, I would like for it to be removed altogether.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-17 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: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I want to share with you my experience with Capital One credit card bank. I did make reservations with XXXX for two places. One in XXXX and one There was blood on the Unfortunately, we arrived at the hotel and to our surprise, it is nothing like the picture. they were three ( 3 ) single bed with no sheets. The Bedbugs were everywhere on the beds that we could see them with bare eye even at XXXX XXXX  without any accurate lighting. 
It was blood on the bathroom floor too. 
The walls were covered with stain. The room had such a bad we couldn't even stay for 10 minutes. it was very unbearable. We did ask for another room but, we were told thats all they can provide us. 
How do you expect us to go to the bathroom when there is blood all over the floor? That is not sanitary, or hygienic? We were charged over {$100.00} a night for such unclean, filthy place when they advertise for such nice clean room? Please see what picture they send us. This was nothing absolutely nothing like what was giving to us at the hotel. Therefore, we called XXXX the same night and they advise us to leave and dispute the charges with our bank. Which we did. 
Why we didn't say anything about our place in XXXX? Because the room was sanitary, hygienic and it was acceptable. No question or no argument about that but the place in XXXX was EXTREMELY unsanitary, unhygienic and filthy which I cant believe XXXX advertise for such places. 
I have pictures as an attachment for your review. 
My issue with the Capital One is, we did call the Capital One right than from XXXX and I told them what happened. Capital One advised us to take a picture of the room and go somewhere else and that is exactly what we did. They must have a record of our call from XXXX. 
We dispute the charges in XXXX XXXX, XXXX. Capital One response back to us in XX/XX/XXXX that because our room was none refundable there is nothing they can do. I provide them the letter and the pictures that I took. Next thing I know I was told I must pay the {$330.00} and found some official company to verify those pictures are from that room. 
My questions to Capital One are why now? How am I going to do that? where am I going to get some official company to verify those pictures? why would I mislead anyone in the first place? Why I didn't dispute the charges for my place in XXXX? Why would I go through all this headache for what? look at my history or my score what type of person you think I am. What Capital One is doing manipulating their customer is just unprofessional and unacceptable. Please do something about this organization.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-17 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: CA

Complaint narrative:
On XX/XX/2019, we tendered our card to what we thought was a ridesharing service and the driver scanned our card purportedly for payment. It turns out that they were crooks and a charge of {$1400.00} has been charged to our account from a merchant called " XXXX XXXX. '' I have sent a letter to Citicards asking that this unauthorized theft of our card number be reversed because it was electronically stolen. If the law only protects a physical theft of a credit card then the law is very out of date since electronic theft must be the new form of theft. It also seems to me that CitcardXXXX should have recourse to whatever merchant participated in this theft before it looks to us for payment.

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 2019-05-17 00:00:00
Product: Credit card or prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc.
State: NC

Complaint narrative:
I purchased a XXXX prepaidi visa card on XX/XX/19 from the local XXXX XXXX, later in the day i open the package containing the card then i logged into their website and verified that the {$220.00} i had just put on the card was there. 

Aproximately an hour or so later i logged back into the site again and it showed a charge for {$220.00} and now a 0 balanced and i had not tried to use the card yet.I contacted XXXX visa and they said they would open a case and block the transaction and then provide me with a refund. 

After doing some research online i see various reports of card being purchased and shortly there after people finding that the money has been completely removed from their recently purchased cards, i also read one ariticle how cards sold in the store are having the packages opened and card numbers writtien down and cvs codes, and then the packages are being resealed with glue gun and showing no signs of every being opened, and unsuspecting consumers purchase this cards and later find out funds have been stolen.

Company response to consumer: Closed with monetary relief