vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-05-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: U.S. BANCORP
State: NV

Complaint narrative:
This the note I sent to the office of US Bank office. This is after being denied access by the representative ***SECOND REQUEST*** ESCALATE TO THE OFFICE OF YOUR PRESIDENT** This is my second request. Please remove a {$36.00} from my account. Also I am requesting that my call to your call center at   XXXX   XXXX  . I was treated horrible by your customer service who placed me on hold several times without any apologies and holds lasting over 5 minutes. I was then transferred to a so call manager when I purposely asked not to transfer me. To top it all off I was transferred to an answering machine not a live person. I am going to contact the media as I was made to feel like the  XXXX  passenger who was dragged through an airplane. In addition the Consumer Financial Protection Bureau will be contacted with an official complaint.
Thank y  ou  XXXX   XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PHH Mortgage Services Corporation
State: NY

Complaint narrative:
Please note that this is my second complaint against the same company regarding the same mortgage.     I am purchasing a property for the first time. I was advised to lock in my mortgage rate, guaranteed that I would receive a loan commitment letter the following business day  ( Monday ).  I did not receive it until weeks later. I am purchasing a co-op, and the process is lengthy, every single day of a rate lock counts. I advised the mortgage company that I did not want this rate locked in any longer, as I did n't receive the commitment letter timely.     Additionally, it came to my attention that my credit was run by  PHH another time before my rate lock, and a delinquent account appeared. I was never advised of this account by anyone at PHH,  and only knew this affected my rate until early  XXXX  when   XXXX   advised me  ( 2 mon ths later ).     I am now being told that they can not change my rate, and that it was extended after I advised a supervisor at   PHH that this was not what I wanted.
In addition to this, I was told that I can not lock in another rate unti l 60 da ys after my current lock expires. This is unacceptable, as the only reason the current lock even occurred is due to PHH being unethical in their practice  s and misinforming consumers.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-05 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
A year ago I disputed many incorrect statements and negative collections on my credit, they were my ex husband 's. I recently tried to qualify for a house loan and was informed I had too many disputes on my credit report that should have been removed with in 60 days. She informed me that she is not willing to help me until all are removed and we see if my credit goes up or down. Please help me, this has been my dream, to own my own house, that no one can take away.   Thank you

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 2017-05-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: NJ

Complaint narrative:
Sls is my mortgage servicer and they are incompetent. I received  XXXX  from the state of New Jersey to save my home and once sls applied the funds my mortgage increased  XXXX  dollars. They paid past due payments and paid down the principle but left my escrow short  XXXX  short causing the increase of my payment. I asked if they could readjust the monies but they told me no. When asked why they did n't do an escrow analysis before applying the money they stated I did n't ask. They were suppose to run the analysis to see where I stood but never did. I received my first bill and they showed the breakdown of the  XXXX  and there is an amount of  XXXX  that they can not explain when I asked about it.. yet another ticket to be opened!

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 2017-05-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I have a  Citi Aadvantage  credit card with  XXXX  active balance transfer accounts.   Offer #  XXXX  with 0 % interest unti l  XX/XX/XXXX a nd Offer #  XXXX  with 1.99 % interest until   XXXX  . I have been paying more than the minimum balance so that Offer #  XXXX  with 0 % interest would be paid in full by   XX/XX/XXXX  ;  however,  Citi  used the amount over the minimum balance and applied it to the 1.99 % balance which expires in    XX/XX/XXXX  .  I called Citi customer service at   XXXX   and spoke with  a man  ager na med  XXXX  who refused to work with me and said they were compliant with CFBP rules. I was not aware this would be the case and it is an unfair and most disadvantageous way to treat any consumer. When I first made the balance transfer, the paperwork stated that the amount would be charged 0 % until     XX/XX/XXXX  an d thereafter the balance would be subject to the regular 16.75 %.  Tye  are forcing me to pay the higher 16.75 % on a balance of over {$4000.00} which I have already sent them payment for but they applied to a newer balance.     Does n't this practice go against the CARD act? Please help.

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 2017-05-05 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: AUTOMOTIVE CREDIT CORPORATION
State: DC

Complaint narrative:
I refinanced m y   XXXX   XXXX   XXXX   XXXX  .T hat was financed with  Automotive Credit Corp  in     XX/XX/XXXX .In  XX/XX/XXXX , I fell  on some hardship after maki ng 26 current/ok payments.I ended up also, totaling my vehicle.Became homeless for a few months, and was in between jobs.I ma de a payment in   XX/XX/XXXX .T hat was n't updated to the Credit Bureaus that Automotive Credit Corp . reports to.One  of the criteria for Automotive Credit Corp.agreeing to refinance my payment agreement.I had to   make a {$100.00} payment towards my previous account  XXXX . Before opening a new account with my new refinanced account  XXXX  .Automotive  Credit  Corp.is  reporting my account as a 120 days past due in   XX/XX/XXXX .W hen I made a payment  in  XX/XX/XXXX  as  instructed by Automotive Credit  Corp.which t ook my balance down.Upon opening the new account  XXXX  that decrease is reflected on the new account.In the CRA  manual in which the curr  ent st atus is clearly defined as a snapshot of the account status as of their last reporting.Which was n't reported correctly or timely to the Credi t Bureaus.Automotive Credit Corp has a statutory requirement ( FCRA 623 ( a ) ( 2 ) ) to update any prior reporting so as  to maintain its accuracy. Their prior current status of delinquent is no longer accurate.My status should be pay as agreed/ok, closed/paid/refinanced to the following Credit Bureaus :  XXXX , and  XXXX .

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-05 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: NY

Complaint narrative:
Our mortgage was with  XXXX  they started legal action against us and we were making or mortgage payments. This started in  XXXX . I entered into an agreement with  XXXX   XXXX   XXXX . I was worried about going into foreclosure so I made an agreement of a {$3500.00} down payment and pa id 3X  {$1400.00} for each month for 3 months. We never received the final documents that were promised to us by  XXXX .   Still very worried I was referred to Attorney  XXXX   XXXX   XXXX , he charged me a professional fee of {$5000.00}. when I first went to his office. I had to give him {$2500.00}.   {$750.00}  XXXX   XXXX ,  XXXX , {$750.00}  XXXX   XXXX ,  XXXX , {$500.00}  XXXX   XXXX ,  XXXX , {$500.00}  XXXX   XXXX ,  XXXX  this was for basic services plus {$500.00}  XXXX / XXXX / XXXX  to his secretary.     I later found that he had not submitted any documents to  XXXX  on my behalf.   Then I was transferred to  SLS Loan  servicing and it has been one problem after the other. And now a foreclosure sale for  XXXX   XXXX ,  XXXX . SLS does not want to help me in any way.

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 2017-05-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PHH Mortgage Services Corporation
State: TX

Complaint narrative:
PHH Mortgage Services  took over my loan in   XXXX   XXXX  . I have an escrow account set up with them with the expectation that they would pay all of my property taxes as my previous loan servicing company did. My payments for my home have remained the same since I bought my house over 2 years ago. In   XXXX   XXXX   I received a delinquent tax bill from my   XXXX   district in the amount of {$3400.00}. I immediately alerted  PHH Mo rtgage to the situation and they paid the late tax bill. However, on   XXXX   XXXX   XXXX   I received an escrow reanalysis that states that due to their oversight, I must either pay them {$4900.00} or my monthly payment will increase by {$410.00}. Neither of those are viable options for me. I also no longer trust their ability to properly service my tax/insurance money and requested to have my escrow account removed so I can make sure my taxes get paid in a timely manner from now on. They agreed to remove my escrow account but only if I pay a {$420.00} escrow waiver fee. I do not feel it is right for them to charge me to monitor my ability to pay my taxes when clearly they ca n't even take care of their own business. I brought this to their attention and was told they would not waive the {$420.00} escrow waiver fee, sightin g it 's in the loan documents ( which I never signed with them ). I am pretty sure those same documents state th ey have the duty to pay my taxes in a timely manner. Their mistake is causing an undue financial hardship for me. I now have 7 months to come up with a years worth of taxes. I feel I should have the money I have contributed to my escrow account so far this year ( approximately {$3500.00} ) refunded to me, however, all I have requested from them is to have the {$420.00} escrow waiver fee removed. They refuse to work with me on this and are unwilling to accept responsibility for their mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-05 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: American Credit Financial
State: OH

Complaint narrative:
I 've already filed  XXXX  wo complaints because this company continues lie about my account and give me the run around. Y es, I had insufficient funds to make the  XXXX   XXXX , payment so it was declined and I called that day to make arrangements for a payment on  XXXX   XXXX . I have the email regarding the decline on  XXXX   XXXX , but the payment that was supposed to be made on  XXXX   XXXX  was never charged or declined by my bank. The money was there. And I was not notified of such a decline. Nor did I receive a statement in  XXXX  indicating that there had been any kind of decline or what would be taken out for  XXXX  or what I owed. I sent an email, since my phone calls were not going through as I work during the day -- and assuming that this email has to be monitored because it 's where they requested that I send my signed contract, they would have seen that I had not been receiving my statements and did n't know why they were not charging my payments. Still nothing. Until  XXXX   XXXX , I had not heard a single thing from this company by phone, email, or mail. Obviously they have my mailing address because it appears on my decline email, and obviously I could get emails from them, because I have this decline email, but I never received another thing from them after I made arrangements on  XXXX   XXXX . And yes, I told the rep to shut up, because I was sick and tired of getting this kind of run around and being fed these lies. One of the managers admitted to my husband that this was the company 's fault, and given that I have every right to have filed a complaint. I had received NOTHING -- no responses, NOTHING -- after my call on  XXXX   XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
Ever since my mortgage transferred over fro m America 's Home Servicing Company to Wells Fargo Home mortgage several   months ago, I have been unable to log into my mortgage account. I have contacted customer service about a half dozen times and no one can help me and does not know why my mortgage account can not be accessed. I just tonight spent about 2 hours on the phone and was transferred among 6 different numbers and spoke to about 8 people, all of who either had to transfer me, due to lack of knowledge or access, or just could not figure it out. I have not had access to my online mortgage account now going on 3 months and I need to get in to review statements, tax docs, rates and other terms of my mortgage account. The last interaction I had with Wells Fargo tonight was that someone was going to put in a trouble ticket and get back to me in 10 business days. Completely unacceptable

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 2017-05-05 00:00:00
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Greentree & Associates
State: MD

Complaint narrative:
I am seeking to file a complaint and to hopefully get some sort of resolution to a problem that I have been dealing with  for 7 seven ye ars. Back during the height of the financial crisis I ended up short selling my primary residence and  XXXX  investment properties. At that time the loan on my home was held by  XXXX   XXXX   XXXX  . When we closed, I was under the impression that the loan was to be cancelled since it was my primary residence, but this was not the case. Since that time, I had been making payments continually on this loan which was then transferred to  Greentree Servicing w hich took over when  XXXX  went out of business. I continually requested some type of settlement with  Greentree but the y were requesting a large amount of money to settle this debt that I did not have. Now  Greentree  has gone out of business and I am being garnished for the balance with  25  % of my paychec k ( {$1600.00} )  per month going towards the balance of loan for a home that I have not owned  in 7 years. T his outstanding balance on this loan has also prevented me from purchasing another property. I am just looking to find some assistance so that I can begin to move forward as well as rebuild. Everyone understands the climate and the devastating effects that the financial crisis had on our economy and everyday individuals, and while many people have been able to move on. Yet, somehow I am still here dealing with the same issues and have found the lender to be very uncooperative in helping to find a resolution. I would try appreciate any assistance that you could provide in helping me to bring this issue to some sort of resolution.

Company response to consumer: Untimely response
Consumer complaint received 2017-05-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Law Firm of Katz and Associates, PLLC
State: MI

Complaint narrative:
the company sued me for the debt in   XXXX   XXXX   XXXX   XXXX   XXXX   on   XX/XX/2012 . an d the debt I should not be sued because I had a case in   XXXX   XXXX   XXXX   the case was   XXXX   and I had to se rve 11 months in   XXXX  an d 5 yrs   XXXX  but I violated the felony probation and was resentenced to the   XXXX   XXXX    XXXX  in the   XXXX   XXXX   XXXX   XXXX   the law I violated is   XXXX   and I had  XXXX  previous convictions so I had t he 2yr atta ched to the 3rd NSF Checks < 100.00 but >500.00 the prosecutor filed a request for a subpoena of my bank records and came a list of the checks I wrote and this check I am being or was sued for is in my felony case the   XXXX   is the civil case and should be not sued for and was  5yrs  old when that case happened and it is no w 10yrs o ld

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
I was approved for a loan modification on  XX/XX/XXXX   ( See letter attached ).  I completed the requested trial successfully  ( S  ee letter  dated  XX/XX/XXXX  ). I was issued final loan modification documents some time in    XXXX   XXXX   . I signed and returned those documents to Bank of America within the time allowed  ( Pa rtial copy attached as I have lost the rest of the agreement ). I then made my first regular modified payment on   XXXX   and never missed a payment until Bank of America stopped accepting my payments some time around   XXXX   XXXX  . I hired an attorney during this process to help me with the paperwork. That law firm,   XXXX    XXXX   XXXX  , told me everything was done and my loan modification was completed in   XXXX   XXXX  . Around   XXXX   XXXX   Bank of America stopped accepting my payments without notice. I returned to my attorney 's office,   XXXX   XXXX   XXXX  , and asked them to find out why my loan was having a problem. The attorney called the bank and said it was fixed and I again could make payments. I made  two more payme nts and then Bank of America stopped accepting my payments again. I returned to   XXXX   XXXX   XXXX   and I was told by the attorney that it was my fault and that I did n't fill out the paperwork correctly. The only way he would help me is if I paid him again. I had no choice and I have been paying   XXXX    XXXX   XXXX   {$500.00} per month to fix my loan. I now received a N otice of Sale  with a sale date for  XX/XX/XXXX . I called   XXXX   XXXX   XXXX   to inquire as to why I would have a sale date if they were working on my loan and the only thing I was told was that I still owed them {$500.00} for the month of   XXXX   XXXX   and if I did n't pay it they would sue me and that they would not help me unless I paid the {$500.00} immediately. Otherwise my house would foreclose. I never made any errors I was made aware of by Bank of America in returning my loan modification agreement. I never missed any payments until Bank of America stopped accepting my payments. I have never received anything from Bank of America explaining why they stopped accepting payments from me or advising me that my loan modification was either cancelled, not honored or whatever. I 've been completely in the dark and to this day I do not know why my loan modification was not honored.

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 2017-05-05 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: POPULAR BANK
State: FL

Complaint narrative:
Banco Popular has given a loan according to the Board Meeting Minutes to XXXX XXXX XXXX XXXX where I currently live with the purpose of obtaining a certificate of occupancy that expire XX/XX/XXXX. As an owner I do not agree with Banco Popular giving this association a loan for the following reasons : At the time of application the association was dissolved by the Secretary of State for not having a registered agent in XXXX. There is possibly over half  a million in  invoices for services that were never provided. Thee Board also passed a special assessment in XX/XX/XXXX for   {$120.00}, XXXX with the purpose of obtaining the Certificate of Occupancy, the funds are gone, and Certificate of Occupancy was not obtained. The Board of XXXX XXXX can not be trusted with property owners funds. Banco Popular may be giving a loan to a condo association that has been reported to : Provided fabricated ledgers Covered up that the Secretary of the Board XXXX XXXX XXXX was delinquent for 2 years Board member XXXX XXXX XXXX apartment was foreclosed as of XX/XX/XXXX by XXXX and has been accused by XXXX XXXX of fabrication and fraud Multiple cases with Department of Business and Professional Regulation where the state agency held the Association had violated the law Building does not have a Certificate of Occupancy Failed to do taxes for 4 years Owners requested an Audit on XX/XX/XXXX that was never finalized {$3000.00} were paid for nothing. In light of these serious character issues its incomprehensible why Banco Popular would give XXXX XXXX XXXX a line of credit for {$75000.00} that ultimately owners like me will have to pay.

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 2017-05-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
After purchasing the morgage, I filed for divorce in  XXXX . In  XXXX  of  XXXX , the finalized court papers stated that the husband was to be reliable for the property and that the wifes name was to be removed in  XXXX . The husband then turned in the court papers to   XXXX   XXXX   XXXX    w here the account originated from and the wife signed a quick claim deed. Every since then, i have had all non payments on my credit report since causing myself to not get approved for anything. Its been 8 years! I called a couple months ago and was told that i would need to take it up with the court and hire an attorney to get it off my credit. All documents were turned in and verified on the phone that they received them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation