vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-12-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: UT

Complaint narrative:
Ditech claims the last payment we sent was on XX/XX/2018. Because of this, they are defaulting the loan, and trying to foreclose on the home. 
We pay using our bank 's billpay service. According to my bank records, we have sent in three payments since then. XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. Ditech is not attempting to process or cash these payments sent to them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: TN

Complaint narrative:
My loan with XXXX XXXX was sold XX/XX/XXXX. SLS sent a statement with an amount past due for {$2400.00}, XXXX not knowing what this is for, looking at the XXXX XXXX statement sent for the same XX/XX/XXXX month, .. This is reflected as an XXXX -- I have equity in my home that could have absorbed this 'buffer ''. No statement, no detail, nothing billed to me BY XXXX for such XXXX charges, .. now this loan was sold to SLS, and the same XXXX   charges rolled and are considered past due..?? This is a double dip. XXXX  on XXXX XXXX   Statement, and on the SLS Statement. 

I did not receive notice of the transfer/sale.

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 2018-12-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: SYNCHRONY FINANCIAL
State: AL

Complaint narrative:
I phoned XXXX Credit Reporting Agents starting XX/XX/XXXX when I received an alert from XXXX that someone applied for an credit card in my name on the above date and letting them know it wasn't me. I was talked to very rude and nasty and was told that anyone has the right to pull my credit report if they pleased to offer me credit. I then stated to the reps that I spoke to after calling 30 yes thirty different times back to back which I called from my cell phone which I can prove with the phone recorders. I told them I am a victim of fraud and they have the police report case # XXXX dated XX/XX/XXXX with the XXXX Police Department and my information was exposed with XXXX  Credit Union and my email address is on Dark Web. I did not apply for an account and who ever has, it fraud and I told them I filed a complaint with the Federal Trade Commission Identity Theft. I was then told by XXXX   supervisor 's and reps there was nothing I could do but wait for two years for it to be removed. I replied It wasn't I who tried to get credit and it drop my credit score and that's not fair to me and it was fraud. I continue calling back trying to get help and wasn't able to. All I've received from XXXX  was rudeness talk to nasty with no concern nor caring! I spoke with XXXX who informed me that they sent XXXX  a letter asking them to remove the fraudulent inquiries from my credit report and they still refuse to do so. I spoke with Mrs. XXXX with XXXX fraud department XXXX XX/XX/XXXX at 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 2018-12-04 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Focus Holding Company
State: GA

Complaint narrative:
The caller ID that displays for the number is XXXX XXXX XXXX XXXX I have been repeatedly contacted by this collection agency and they tell me they are calling to collect for someone else 's debt on behalf of XXXX and trying to reach this person. 

I have continued to tell them they don't have the right number, to stop calling me, yet they keep calling almost EVERY DAY. 

I have tried to get these calls to stop and the agents to remove my number from their list and they won't, they call me on my work mobile nearly every day which is disruptive to my job. 

They have been calling for the past month and call anytime between early morning and later afternoon. The last few calls I received XX/XX/XXXX - XXXX - again told them to remove my number from their list, I'm not the right person, lady hung up on me XX/XX/XXXX - XXXX - They called again but they hung up before I could answer, I called back and left a message to remove my number from their list XX/XX/XXXX XXXX - they called again, I spoke to a gentleman, told him to remove my number from their list - he responded ; " stop hanging up on us ''. I told him he has the wrong number, that they need to stop calling and remove my number from their list and he replied " We don't have a list '' So I responded, however, you got my number, don't call it anymore - he became rude, I hung up again.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-04 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PDQ Services, Inc.
State: GA

Complaint narrative:
On XX/XX/2018, I found a debt on my credit for XXXX XXXX XXXX XXXX. The debt was deceptively added and I had no idea it was there. The company that added it did so unlawfully. I called PDQ services ( http : //www.pdqservices.net/ ), asked the rep what the debt was for and she could not tell me. She said they would do an investigation on it. The next day, XX/XX/2018, I called again and the rep told me the debt will be removed and they would be notifying the credit bureaus. I asked again what the debt was for and she could not tell me. I asked for something in writing regarding the debt and the request for removal. She transferred me to a supervisor named XXXX who rudely told me not to callback, she said they will not be sending me anything in writing and hung up on me. I am reporting PDQ servdices for violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-04 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
On XX/XX/XXXX, I sent an investigation request to the credit bureaus, asking them to correct errors on my credit report. According to the Fair Credit Reporting Act, they are suppose to respond with the results within 30 days. They have not responded within the time-frame allowed by law.

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 2018-12-04 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
On XX/XX/XXXX, I sent an investigation request to the credit bureaus, asking them to correct errors on my credit report. According to the Fair Credit Reporting Act, they are suppose to respond with the results within 30 days. They have not responded within the time-frame allowed by law.

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 2018-12-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
I went to XXXX on XX/XX/2018 to have XXXX. Sometime during my XXXX stay my phone and debit card were stolen. My phone was clearly not locked and someone took over {$1300.00} from my account while I was recovering in XXXX. As soon as I realized my debit card and phone were gone, I traveled to XXXX XXXX California when I had the energy to which was just a couple days later. I acquired a phone and immediately informed Bank Of America about what had happened. After I got to my hotel in XXXX XXXX, I logged into my account. I saw a bunch of transactions including some that werent approved/didnt go through. My plan was to be in XXXX for two weeks, this completely ruined our trip, and I was in so much pain on top of it. A day after I submitted my claim to Bank Of America, they put the funds back in. 

I thought everything had been taken care of, but then they withdrew all of the money without notice to me about 30 days later which put me in more serious banking trouble because they did not inform me that was going to happen or give me a heads up. I calle them immediately, they said that they didnt believe it because whoever stole money never checked the balance and there should have been more transactions on my account at the time. When I logged in, there were a TON of transactions that were pending ( that first day I was able to log back on ). They are lying and wont give me my money back!! 

Since then I have called Bank Of America, faxed over proof of why I was in XXXX including XXXX papers protected by HIPAA. I have tried to get a police report here in XXXX XXXX where I live however they did XXXX due to the incident not happening in the city limits. Every time I call Bank Of America they say they have no information for me except that they have escalated my claim. But it is been over five months since this occurred, and I want my money back that was stolen. I have done my due diligence and Bank of America hasnt done anything except not cover someone stealing my money like they are supposed to, and put me more in the negative when they took my money back. I have been with Bank of America for a very long time, they have been a horrible Bank in this experience. Please help me.

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 2018-12-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LD Holdings Group, LLC
State: MA

Complaint narrative:
Lender provided a loan estimate consistent with its policy of matching competitive loan offers from other lenders. I accepted the lender 's offer conveyed pursuant to its estimate and application package. The lender arranged for an appraisal to occur and I met with the designated appraiser. The following day, the lender contacted me to inform me that its compliance group believed that the loan could not be made based on the amounts stated on the Loan Estimated provided, because it incorrectly calculated those fees. I note that there was no change in my status, creditworthiness, or the value of the property ( which was never actually verified because the appraisal was cancelled by the lender ).

The Lender then sent me a notice that it could not verify my credit. This was clearly a substituted reason rescinding its loan offer. My credit could easily have been verified, but the Lender chose not to do so, such that it would have a quasi-legitimate basis for rescinding its loan offer, despite the fact that its underlying miscalculation was true basis for its declining to make this loan.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
An unauthorized transaction of {$460.00} was posted by account via a " pinless '' transaction. The transaction occurred on XX/XX/XXXX in XXXX XXXX. I have never been to XXXX XXXX and worked in my office located in XXXX, Illinois ( USA ) on the date of the transaction. The transaction posted to my account on XX/XX/XXXX, was pending on XX/XX/XXXX when I logged in after being notified of the potential fraudulent transaction. 

After Bank of America alerted me of suspected fraudulent activity. I logged into my account morning of XX/XX/XXXX to see the transactions, then called bank to confirm the fraudulent transactions immediately after logging into my account and viewing the transactions. My claim was denied on XX/XX/XXXX via email. When I called I was told it was because majority of the transactions never posted to my account, however when I informed them that one transaction did post to my account, I was not provided an explanation on why it was denied. I was also not told that they will " reopen '' my case. I was merely told it would be expedited and I should receive my money before end of the week. When I did not receive any notification or credit, I called customer service and on the second call I was told my claim was denied because I failed to respond in a timely manner. Later that day I called to provide additional information as I had conducted my own " investigation '' and confirmed one of the chip transaction was authorized. I then asked again about the denial of my claim and was not given an answer and that the reason for denial relayed by the previous agent about my delayed response to file should not have been the sole reason for denial, however I was told it could take up to 60 business days for me to receive a credit on my account ( if I am provided one ). 

I have been given contradictory information regarding the denial of my claim and contradictory timelines on resolution. I have been credited the international transaction fee ( {$13.00} ) related to the {$460.00} transaction but not the transaction itself. I did not authorize this transaction and should not have to wait the sixty business days if I have not been provided an explanation for the original denial. The lack and inconsistency of information has been frustrating and my timeframe to alert the bank of the fraudulent transaction has been timely.

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 2018-12-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Gatestone & Co. International Inc.
State: FL

Complaint narrative:
Gatestone attempted to reach me at my place of employment. The representative, Mr XXXX spoke with our receptionist at the office demanding to get in touch with me. Mr . XXXX explained to her that he has left me numerous messages over the past few weeks but never heard back from me. She called me worried that there was an emergency because Mr . XXXX  was so adamant about reaching me. He would not give her his contact information or business he was calling from. I have been at this employer for 1 month and having 'someone ' contact me and say I have not returned numerous calls to a 'mystery person ' is extremely unprofessional and will result in me having a negative review on my on work history. I contacted Mr . XXXX  at Gatestone and told him to NEVER contact my place of employment after speaking with another colleague of his stating the same thing. Here is a list of numbers Gatestone has contacted me from : ( XXXX  ) XXXX-XXXX, ( XXXX  ) XXXX-XXXX, ( XXXX  ) XXXX-XXXX, ( XXXX  ) XXXX-XXXX, ( XXXX   ) XXXX-XXXX  and ( XXXX  ) XXXX-XXXX. www.gatestoneco.com

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-04 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: GREAT LAKES
State: CA

Complaint narrative:
I went to XXXX XXXX XXXX XXXX XXXX XXXX, ca. I was informed that once you sign up, that all of your time there would be utilized experience for your job application opportunities. Every time, after graduating from the school. They would give me a list of places to apply to. I would. Go in for the interview. Some of the interviewers laughed in my face, stating, we dont care how long youve been at that school. You dont have enough experience to work for us. Or, Im under qualified. Its embarrassing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC.
State: AK

Complaint narrative:
I have never received any federal student loan to attend any colleges. I have never received any type of billings or notice from any federal student loan stating that I owe for any federal student loans. 
My income taxes from different years tells a different story as to the moneys that has been taken in regards to student loans for which I had thought for the longest time that my income tax check was all being garnish by the state student loan. 
I've received a letter from XXXX  XXXX XXXX stated that I had federal and state student loan mixed up which was not the case at all .... 
These folks have collected over {$12000.00} for federal student loans for which I've never had. The documents enclosed are proof of my claim. 
Respectfully, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: ARVEST BANK GROUP, INC.
State: CA

Complaint narrative:
I filed for BKXXXX on XX/XX/2018 and I called on XXXX  XXXX  to make the payment and they told me the BK department was gone for the day and they could not accept my payment i called back and asked them to back date my payment for XXXX  because it was their mistake and they told me they would and I trusted them to do so. I again clled on XXXX  XXXX   to make my payment and they told me again that they could not accept it so I clled on XXXX  XXXX  ( i was unable to call on the XXXX  due to business travel ) and now they tell me they are filing MFR, I told them that they refused to take my payments for the months referenced. I need them to post them for the correct dates and have the MFR not filed. They should also train their employees for dealing with BK borrowers Please Help

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: PA

Complaint narrative:
In a response to a CFPB complaint, I received the following response on XX/XX/18 ; ... your request to exit IBR has been cancelled and reversal of interest capitalization is in process. Also, you have been approved for renewal of IBR effective with the XX/XX/2018. 

After a period of waiting for the reversal of interest, I emailed the company on XX/XX/18. Ten days later, on XX/XX/18, I was told the following : Unfortunately we are unable to uncapitalize the interest since this application was processed as per your request.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
XXXX attempted to reach me at my place of employment. The representative, Mr XXXX spoke with our receptionist at the office demanding to get in touch with me. Mr . XXXX explained to her that he has left me numerous messages over the past few weeks but never heard back from me. She called me worried that there was an emergency because Mr . XXXX was so adamant about reaching me. He would not give her his contact information or business he was calling from. I have been at this employer for 1 month and having 'someone ' contact me and say I have not returned numerous calls to a 'mystery person ' is extremely unprofessional and will result in me having a negative review on my on work history. I contacted Mr . XXXX  at XXXX and told him to NEVER contact my place of employment after speaking with another colleague of his stating the same thing. Here is a list of numbers XXXX has contacted me from : ( XXXX  ) XXXX-XXXX, ( XXXX  ) XXXX-XXXX, ( XXXX ) XXXX-XXXX, ( XXXX ) XXXX-XXXX, ( XXXX   ) XXXX-XXXX  and ( XXXX  ) XXXX-XXXX. XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I received an offer from Citibank for {$400.00} bonus to open a checking and savings account. Terms were to deposit {$15000.00} in new funds within 30 days and maintain that in checking or savings for 60 days, keeping a minimum {$1500.00} in checking and {$100.00} in savings. 

* XX/XX/2018 account was opened. 
* XX/XX/2018 {$15000.00} was deposited ( ACH from another bank ). 
* {$15000.00} combined balance between checking and savings was maintained until XX/XX/2018. 
* I called Citibank and the CSR told me the bonus requirements were met and that I'd need to wait until XX/XX/2018 to receive the {$400.00} bonus. 
* XX/XX/2018 I called again and they stated they would research the issue, stating I'd need to call back in 2 business days. 
* XX/XX/2018 I called again and was told my " request was transferred to another department ''. 
* Another week lapses, then I called back again. CSR escalated to a manager. I spoke to manager " XXXX '' who said he'd call me back the following day after he contacted " the back office ''. He never called back. 

At this point, I believe Citibank has used deceptive marketing to lure me into opening accounts and maintaining a balance at a much lower interest rate than I'd get at competing banks. I feel this practice is unfair and I'd like Citibank to be compelled to honor the terms of their offer.

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