vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-10-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: IL

Complaint narrative:
On XX/XX/2018 I was approved for a streamline modification. The payment amount expressed was {$740.00}. 

Payments were made in the amount express XX/XX/2018 {$740.00} XX/XX/2018 {$740.00} and XX/XX/2018. 

Payments were completed successfully on XX/XX/2018. 

XX/XX/2018 receive Congratulations letter from SPS Servicer on XX/XX/2018 That I was approved for a modification and the {$750.00} and if accepted must signed agreement and return by XX/XX/2018. 

On XX/XX/2018, I contacted the Sps to informed them I have not received the executed documents back on their end. 
I was told the payment was {$820.00}. 
I told him that payment was higher than expressed signed correspondance agreed. 

I was told they would check it out was a hold up on sending me the executed agreed modification papers On XX/XX/2018 XXXXps rep called me very rude trying to make me pay and oral amount instead of the Express agreed amount. I hung up and first told him he was unfair to the consumer to ask me to pay more than agreed On XX/XX/2018, I called back to speak with a supervisor. I was told that they could not help me and I also informed them my tenant has died. 

I asked to delay payment to give the spouse time to apply for husband benefits. Inform them because of a change in circumstances because of the death. Tenant was not able to pay. 
Asked Sps to delay payment.

Sps said they had not sent the executed modification docs received by myself because the payment had change. 

So I have been misled and had to file a complaint since that was not what I was credit and approved for and could not afford. I already had to pay {$3000.00} for water Bill 's for this tenant out of my on pocket that now I cant even pay my own bills.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-09 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 — Overcharged for something you did purchase with the card
Company: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
XXXX XXXX XXXX charged my Credit Card in XX/XX/2018, {$930.00} for an Air /Hotel Package for a 3 days ppackage from XXXX to XXXX XXXX ( for myself and wife ) to travel from XXXX , N.J to XXXX XXXX from XX/XX/XXXX thru XX/XX/2018, plus {$53.00} for Travel Vacation Insurance. When my mother died on XX/XX/XXXX I contacted XXXX XXXX to change my travel dates to XXXX forXX/XX/XXXX thru XX/XX/2018 and I was assured that my Insurance Coverage was going to cover my new travel dates. However, XXXX improperly charged my American Express Credit Card for the new travel dates, with same Hotel stay another {$1000.00} plus, and credited my card only {$200.00} for the extra flight cost. Plus they credited my Credit Card {$53.00} in XX/XX/2018, for Insurance payment made to them in XX/XX/2018, in attempt to justify NOT honoring Insurance purchased on my Vacation Package. 
XXXX has since re-billed my American Express Credit Card against my challenge and they are insisting on collecting additional payment of {$930.00} for our travel and stay in early XXXX, instead of late XX/XX/2018. Their failure to honor the Vacation Insurance paid for in XX/XX/2018 is a form of deceptive and fraudulent business practice.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-10-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF THE WEST
State: CA

Complaint narrative:
XXXX - XXXX of XXXX i experienced gross fee charges from my bank close to over {$1000.00}. After I discussed with bank to no avail, I was extremely careful since. Then in XXXX and XXXX of XXXX i made another mistake with a creditor, and incurred almost another XXXX USD in fees. When i spoke to their " customer support '' ... they simply acted like this was normal and my fault or my creditor 's fault. I asked the creditor if they were responsible and they pointed me back to bank being the massive fee collector. 
So, now, i have been on phone with " customer support '' last week and today regarding the magical invokation of atm overdraft protection they tell me I invoked 2 years ago. 
This time they only collected {$170.00} in fees from me in XXXX. 
However, i asked operator if they could mail me policy in print that lays out the criteria for suddenly acting on my XXXX request to " opt in '' to overdraft protection for my debit card ( without my knowing of it ) ... then using that sudden opt in status to steal 10 % of my income upon my auto deposit. 

In other words, in at least 1 year prior to this, i never noticed the bank using atm overdraft protection on my behalf and getting charged fees for it. 

I'm quite aware of my monthly balance and i feel direct and immediate repercusions from each fee they XXXX out of my auto deposit. 

So WHY did they suddenly decide to invoke atm overdraft protection ( instead of just declining transaction as in the past ) this last XXXX of XXXX, costing me {$170.00} out of my XXXX auto deposit? 

Also, why is there no escalation path with Bank of the West when customer service tells you excessive fees are the customer 's fault??? 

I am finally getting away from these thieves to a local credit union, but it's a shame they can get away with so much $ in fees by collecting them and blaming the customer when they speak up due to their excess fee charges upon single mistakes. 

It's quite clear : look at my account history and see that atm overage payments were not made until this last XXXX. If you look, you will not find atm payment and associated {$35.00} fees for MANY months prior to XXXX. 

I spoke to a branch magager a year ago regarding the many hundreds i was charged in fees and they simply don't care. At that time they never said I was " opted in '' for atm overdraft coverage. 

Why would I want atm overage coverage and volunteer to be charged {$35.00} for each instance. 

I would never have KNOWINGLY signed up for this ... regardless, WHY did it appear to be invoked for XX/XX/XXXX? 

I'm tired of the customer service telling me it's all my fault somehow. In other words, they have assured me all the fees they charge me are ligit. Feels like financial XXXX to be honest. 
cheers

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 2018-10-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: World Omni Financial Corp.
State: NM

Complaint narrative:
On XX/XX/XXXX I put in a requests for an extension to see how much it would be for a 30 day and a 60 day extension after viewing the amounts so I knew what to set aside the company canceled my requests. Then on XX/XX/XXXX I submitted another request for a 30 day extension this was provided but was over {$900.00} and is {$600.00} away from what is due in total on the account currently. I made a {$130.00} payment today and have two payment schedules to come out within 30 days. The company XXXX doesnt seem willing to work with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
This account was previously deleted from my credit report, However it was never actually removed. The account is still appearing on my reports as a negative item.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
This is an amendment to my prior CFPB complaint submitted against this unethical comany. Complaint # XXXX. 

Last week I discovered that Chase failed to pay my home owners insurance annual premium, FROM THE ESCROW ACCOUNT THAT IS AT ISSUE IN MY PRIOR COMPLAINT, when I got a text from my insurance company telling me that my policy would lapse at XXXX that night if not paid. 

When I called Chase, I was asked to confirm that XXXX was my current carrier. I advised them that there had been no change and was puzzled as to why it was not PAID if they KNEW who the insurance carrier was. I was not given any type of answer. I was however advised that it was likely not paid because the insurance company had the WRONG ADDRESS. When in fact, Chase had the wrong address. Chase has the mailing and property address FOR THE PROPERTY THAT IT IS THE MORTGAGE HOLDER ON. Chase has XXXX XXXX XXXX XXXX, XXXX XXXX NEVADA XXXX. When in fact the property address is XXXX XXXX XXXX XXXX, XXXX, NV XXXX. How is this? I was then advised that this was likely " the address that was on the original loan documents. '' I advised that was incorrect. My prior mortgage holder had the correct address on file and the documents would never have recorded correctly to transfer ownership. I was then transferred at least 4 times wherein the representatives could not understand that Chase has the wrong address. I was asked to send in tax documentation to confirm the property address and the parcel ID #. I refused - it is not my problem. I have attached a PDF print out of the XXXX County Assessors office supporting my assertion that Chase has no idea what they are doing. 

This has got me believing that Chase likely does not have a correct or accurate copy of my loan documents. I mean, if they did, they would know the correct property address, right? 

Lastly, I continue to get calls in response to my prior CFPB complaint which seem to miss the point. My concern is not regarding the payment of my special district taxes - DESPITE THE FACT THAT IT NOT PART OF MY ORIGINAL LOAN AGREEMENT. My problem is that Chase is apparently unwilling to allow me to make a deposit into my escrow account ( WHICH IS VOLUNTARY AND MY MONEY TO BEGIN WITH ) and the reassess or re-evaluate my escrow account as to any " projected shortage '' that may occur over the next year ... so that once that is done, my monthly payment will not increase. Chase apparently does not care what is in my original loan documents, what would be a " Courtesy '' for its customers ( I have never asked for a courtesy revaluation of my escrow account with Chase and I believe that I am entitled to ask for that, in writing, in the event that I do not agree with the projection. ) This is not rocket science, but common courtesy.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Santander Consumer USA Holdings Inc.
State: TX

Complaint narrative:
This account was previously deleted from my credit report, However it was never actually removed. The account is still appearing on my reports as a negative item.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-09 00:00:00
Product: Student loan — Private student loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: Navient Solutions, LLC.
State: SC

Complaint narrative:
Improper reporting to my credit report, harassment calls, and pulling my credit report without my permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This account was previously deleted from my credit report, However it was never actually removed. The account is still appearing on my reports as a negative item.

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 2018-10-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Diversified Consultants, Inc.
State: MI

Complaint narrative:
After checking my credit report back in XXXX, I noticed items on my credit report that did not belong to me. I called the creditors and credit bureaus directly to dispute the inaccurate information and make them aware of what I noticed on my reports. This has caught me by surprise as I never received collection phone calls prior to pertaining to any debt that was allegedly mine. Later, I was able to get this information updated and even placed a fraud alert on my credit report to be cautious. I have been in communication with the debt collection agency Diversified Consultants advising them that the debt they're saying is mine DOES NOT BELONG TO ME. I have never had a contract with Diversified Consultants- I am not liable for the collection of the debt from XXXX XXXX XXXX as this debt is not mine. I have been disputing this inaccurate information since I first found out about this fraudulent information and they have not removed this information from my credit file, nor have they understood that this debt does not belong to me. This has hurt me severely in regards to obtaining credit. Diversified Consultants states that they have validated the debt, however, under the FCRA, they are required to provide a copy of the original creditor 's ( XXXX XXXX XXXX ) documentation on file to validate that the debt is mine ( which they have failed to do so ). Diversified Consultants has not provided me with a consumer contract with my signature on it validating this debt belongs to me. I have been disputing this for a while now and this has hindered my credit file tremendously.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-09 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I am a victim of inquiry issue. 

XXXX : XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX Equifax : XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX I AM NOT SURE WHAT THESE INQUIRIES ARE FOR, BUT I DID NOT GIVE THEM PERMISSION TO CHECK MY CREDIT OR GIVE ME AN INQUIRY. I WOULD LIKE THEM REMOVED FROM MY CREDIT REPORT. I CALLED XXXX  / EQUIFAX CUSTOMER SERVICE AND TOLD THEM ABOUT MY SITUATION BUT THEY DID NOT WANT TO HELP ME OUT AND DID NOT WANT TO TAKE CARE OF THE NEGATIVE INQUIRIES ON MY CREDIT REPORT

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-09 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 — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
I have a credit card with Bank of America. On XX/XX/2018, I identified two transactions that were fraudulent, both transacted through XXXX. Bank of America immediately removed them from my account. On XX/XX/XXXX, Bank of America sent me a letter, indicating that they have decided the one transaction ( XX/XX/2018, XXXX XXXX XXXX NJ, {$940.00} ), is NOT fraud, and put it back on my account. 

I spent at least 12 hours on the phone ( mostly on hold ) with Bank of America, and got extremely little transparency of how they made that decision. I ended up calling the vendor, who was very forthcoming and gave me the tracking info ( it  was a camera ). The tracking info shows that whoever committed the fraud has my address and had asked for it to be shipped to my address, but in talking to XXXX, the delivery was diverted to a XXXX center ( instead of my house ). It was picked up on XX/XX/XXXX, around XXXX, in my name. This is impossible -- I faxed documents to Bank of America ( fraud fax number that was provided to me on one of my long calls ) that show I was on an airplane, flying for work to XXXX, at that time. I have both the invoice for that flight and the crediting of the flight to my mileage account ( which only happens once you have physically flown on the flight ). 

There is no way I could have picked it up. We, regrettably, do not even own a camera, and I did not place this order. 

I asked Bank of America, in that fax, to please confirm receipt of the flight information, which I have not received, and could not confirm after spending another 30 min on hold. At this point I am turning to you for assistance. I appreciate the help.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-10-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Applied for a Wells Fargo Business Credit Card. Since the Card processing representative was not able to speak or understand my English, and their behavior over phone was not acceptable, I asked to close the application. 

They have send a letter stating " application is denied due to Amount of credit requested combined with existing debt is too high related to stated household income ) ''. 

Bank and its employees can not punish me for their inability to talk to a customer.

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 2018-10-09 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/2016 a locksmith service provided services to replace a broken automobile key. I was handed a BLANK INVOICE with {$280.00} written at the bottom. I was asked to write my contact information at the top. The price was significantly higher than I expected but agreed to the {$280.00}. My credit card was processed and the work was completed. When I received my credit card bill the amount charged was {$780.00}. 

When questioning the charge I was sent a copy of the invoice with multiple line items written in AFTER THE FACT which totaled up to {$780.00}, although the total at the bottom still ready {$280.00}. 

On personal investigation of the locksmith company I have found this is an illegal scam operation with an endless list of consumer complaints of fraudulent charges and over charges. XXXX XXXX acts as a biller, broker, and licensed FRONT for UNLICENSED independent locksmiths. They have had their locksmith license revoked several times. The just move to a new address and open a new company and resume their fraudulent operations. 

Disputing the charge with Bank of America, B of A has repeatedly ignored the facts I have presented, including a complaint I filed with the California Department of Consumer Affairs , Bureau of Security & Investigative Services who found irregularities warranting a higher level of investigation for XXXX XXXX. You may contact them at ( XXXX ) XXXX and reference complaint # XXXX. B of A 's response as simply been that I was billed correctly because the line items added up to the total I was charged. 

B of A has failed their duty to protect consumers from fraudulent merchants. As a result I refused to pay the entire charge of {$780.00}.

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 explanation
Consumer complaint received 2018-10-09 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
XXXX XXXX XXXX sent me a nonrenewal letter for insurance because they claim I had 3 claims/losses this year. This is not true. I had a roof replaced in XX/XX/2017. Policy of 20 years XXXX XXXX, roof claim XXXX. S3veral other phone inquiries with no. Assigned, but no appraisal report if estimated work or other paperwork or payment. From a business accounting perspective it is not official ir legitimate. Insurance Fraud. 

We only had another roof claim 15 years ago and paid XXXX a month a year premium resulting in no loss best I can calculate. I filed a complaint with insurance commissioner. No response. XXXX XXXX XXXX did not provide detailed records to me. I think this is additional predatory harassment and good ol boy tactic to steal home. Criminal appeal pending in superior XXXX county.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-09 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On the following dates of XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX Chase Bank Usa, N.A filed 3 separate hard inquiries on my XXXX credit report. Although, I never authorized any of these inquiries, I never even applied for a Chase card. These inquiries are dropping my score and I would like to get them off of my report as soon as possible. Thank you so much for your time and help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: CA

Complaint narrative:
In the last few months, I have mailed in multiple additional principal payments, only to have them be placed incorrectly in suspense accounts, be applied incorrectly as payments, despite mailing them to the specific address at XXXX XXXX XXXX XXXX, XXXX XXXX & XXXX, in XXXX California XXXX as instructed by Carrington Mortgage representatives. As a result, I have been paying mortgage interest at 6 %.

Company response to consumer: Closed with explanation