vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-06-20 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Jackson Automotive Resources
State: MO

Complaint narrative:
In the beginning, when i first purchase my car my agreement was weekly payments and i agreed to that because at that time i was getting weekly pay. I fell into hardship for about a month and eventually caugh back up with payments after getting a new job, but to only find out i get paid more, but my payday went to bi weekly. I call right away and contact my car company Auto Start where i set up pay arrangement on XX/XX/XXXX with a staff member. At that time i was current, and had summit proper document. Well here on Monday the XX/XX/XXXX a auto start employee contacted letting me know i had a payment coming up and previous payment also, i said yes i no and what would be my current amount, he told me i agreed and told him friday XX/XX/19 i get paid and i pay that whole bill. Well they didn't call me tell Sat i assured them that i pay that. Amount Monday because of my direct deposit hits Monday. Anyway i call Monday to make my payment to be kept on hold for 30 min then they tell me how i dont get to get to pay bi weekly no more because the company been bought out and it goes back to the actual first agreement. Now they didn't notify me of any of these changes and now demands a higher payment that could lead me to be in repossession with them, and there saying they want take my current payment thats regularly due, and when instructed to speak to manger i get a regular complaint line with the letter heading of who im complaining too. I been with this car company going on 2 yrs and never had this problem, please help me fix this matter

Company response to consumer: Untimely response
Consumer complaint received 2019-06-20 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I'm submitting this complain for your failure to comply with a proper investigation into the accounts that you are reporting. This is my second complain, You are reporting information to the public domain about me without original documents, I need you provide me with original documents, i'm requesting that the CFPB get on these bureaus case, this is my second request and their failure to provide me with handwritten signatures is a blatant violation of the law. If you can't provide me original documents then please delete these accounts immediately. 

You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ).

Please do a full and proper investigation on my accounts with the furnisher of this information along with forwarding this letter and all relevant enclosures to the reporting company and a copy to me for confirmation of your action. Please do not merely contact the company electronically without providing a copy of this letter and all relevant enclosures. Please note that I need this account corrected in order to qualify for a home loan.

If the company furnishing this account information informs you that it is reported accurately please provide me with all documents that prove the account was accurately reported and describe the procedure you used to verify that the account information was and is accurate including name, address and telephone number of the furnishers contacted. 

I also will require for purpose of discovery that all responses from your agency also be signed in ink by an officer of the company with the corporate seal or a notarized copy along with full direct contact information for this officer. 

It is my clear understating that you are required to maintain strict procedures to ensure that whenever public record information which is likely to have an adverse effect on consumer is reported to be complete and up to date. Please complete your investigation within 30 days as permitted by the law and mail the results to me and if not resolved I will have no other option but to hire a law firm enforcing consumer rights under the Fair Credit Reporting Act ( FCRA ). 15 U.S.C, 1681 et seq. On my behalf to seek all possible remedies and damages associated with the Fair Credit Reporting Act ( FCRA ) laws. Please note that the Credit Reporting Agency is now subject to Federal consumer financial laws, including, among others, the FCRA and Title X of the Dodd-Frank Act, and related regulations including a ban on Abusive Acts or Practices. ( Section 1031 of the XXXX XXXX ) cordially XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-20 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
the following accounts have been disputed on these dates for these reasons : XXXX Incorrect balance, the date reported, and the account type is inaccurate. 

XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX  # XXXX XXXX XXXX  # XXXX XXXX XXXX  # XXXX XXXX XXXX  XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX/XXXX # XXXX XXXX XXXX XXXX XXXX - XXXX XXXX # XXXX XXXX XXXX XXXX XXXX - XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  # XXXX

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 2019-06-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: FL

Complaint narrative:
On XX/XX/2017 a SLS representative named XXXX XXXX ( spelling may be wrong ) left me a voicemail in which she stated that I am required to have an XXXX insurance policy and to send evidence of an XXXX insurance policy. She also stated that it was Required by the State of Florida that I have an XXXX insurance policy for my condominium. This voicemail is provided in the attachment to this complaint. In addition, I believe should also have a recording of this same call given record retention requirements for loan services. 
I have requested the regulatory citation referred to by SLS. SLS has not provided me in writing any legal citation that I was required in the state of Florida to maintain an XXXX insurance policy. I am requesting that in response to this formal complaint, SLS provide a response to the following two questions : 1. Do you agree or deny that your SLS representative left me a voicemail on XX/XX/17 stating to me that an XXXX insurance policy was required by State of Florida law? 
2. Can you provide a citation from Florida law that was EFFECTIVE AT THE TIME OF OUR COMMUNICATIONS that specifically and clearly states that XXXX insurance was REQUIRED? 
Any response provided by SLS to the aforementioned questions will be insufficient. This request is simple and clear and I hope SLS can respond timely and appropriately

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 2019-06-20 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: LDF Holdings, LLC
State: CA

Complaint narrative:
I received a call from Bridge Lending solutions because I was applying for alot of online loan companies because I have been having a cash flow problem, with overdraft fees and was hoping I could stop the overdraft fees by supplementing with this loan. They gave me {$500.00} on XX/XX/2019 and On XX/XX/2019, I paid them {$200.00}, then on XX/XX/2019. I paid them {$180.00} and then on XX/XX/2019 I paid them {$120.00} a total of {$500.00} and the loan amount was {$500.00} to begin with and as of today my balance on the loan is {$520.00}. I received a loan from them for {$500.00} and have paid them {$500.00}, the loan has only been active for a total of 40 days and as of todayXX/XX/2019 I still owe them {$520.00}. The way I see it I have paid my obligation to them, I could possibly see having a balance today of maybe {$120.00} if they want to charge me interest or whatever but at this point in order to get this paid off, they want an additional {$400.00} today. So that would mean a loan for {$500.00} that was taken out less than 45 days ago, has cost me a total of {$900.00}. I am just floored by this and yes I am the person that took out the loan, but I have paid them {$500.00} and I have tried to pay this off and have given them {$500.00}, I just dont understand how people can do this. This is a predatory lender and I am a victim.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-20 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: RoundPoint Mortgage Servicing LLC
State: TN

Complaint narrative:
My husband passed who was a veteran and I tried to get mortgage assistance to lower my mortgage payment. Round point my mortgage servicer refused to help me with lowering my mortgage payment. I called them a lot of time for assistance with my mortgage. I'm still living in the property and I want to keep my house. I'm elderly and need 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 2019-06-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: MA

Complaint narrative:
In XX/XX/XXXX I contacted the financial institution to inquire as to why the PMI portion of my loan had not been removed. I was told that the principle had not yet been reduced to 78 % of the original amount of the purchase price. I was told that I could pay the loan down to the 78 % mark or I could simply wait until XX/XX/XXXX and it would reach that point at which time it would be removed automatically. They continue to refuse to remove it. I have spoken to them by phone now on 4 occasions since XXXX. Each individual I have spoken to has told me that it should have automatically been removed in XX/XX/XXXX.  Told me to just keep paying the amount due each month and they will get it fixed within 15 days and they will then credit me for the over payment. Now they refuse to remove it unless I pay them {$400.00} for an appraisal using an appraiser of there choice. Something about a disaster declaration in Florida in XXXX. This is complete nonsense. Property values as well sales prices have increased by roughly 35 % since I purchased the home in XXXX in the XXXX XXXX Fl. area. If I chose to sell the home it would list for approximately {$75000.00} more than I paid for it. In addition I paid {$5000.00} less than the appraised value when I bought the home so in actuality I passed the 78 % mark long ago. 

This is nothing more than a basic scam from a bank with one of the worst reputations in the country. I didn't take the loan out with them to begin with and never would have. Apparently they are a subsidiary New Penn Financial and somehow ended up with the loan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I have been running into issues with Bank of America as it pertains to transactions being charged to my accounts multiple times. I do not believe this is an isolated issue. Also, when I submit disputes, often I do not hear back. The most recent issue pertains to a payment made to the US Treasury Department for a {$200.00} payment which was taken out of my account twice. I contacted BOA on XX/XX/XXXX. I still have not received a full resolution. Also, I do not feel this is the first time my account has been double charged. I have multiple disputes with the company at this stage.

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 2019-06-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Flagstar Bank, N.A.
State: TX

Complaint narrative:
I would like file a formal complaint against Flagstar banking mortgage loan department. I submitted my application to request a modification on my home loan due to a recent divorce causing me financial hardship. I uploaded all the required documents to the MY LOANS online portal on beginning XX/XX/XXXX and sending in my last documents on XX/XX/XXXX. I received approval and a trial payment agreement that I signed and uploaded to XX/XX/XXXX before the deadline of XX/XX/XXXX. The trial payments began on XX/XX/XXXX and I made all 4 monthly payments with the final payment paid on XX/XX/XXXX on time. I began receiving collection phone calls in late XX/XX/XXXX and over 10 letters some certified mail saying that I owed over 5,000 dollars. I called the first time and was told that was just due to the home modification process. I received a notice early XX/XX/XXXX that my credit score dropped 100 points and I called back in, this is when I was told my modification had been cancelled on XX/XX/XXXX due to my trial agreement paperwork not being returned. I notified the phone agent XXXX   that I had in fact uploaded the paperwork XX/XX/XXXX and she called me back to inform me that my case would be reopened and I would receive final modification paperwork within 15 days. I never received the paperwork and over the course of XX/XX/XXXX I spoke with XXXX twice, XXXX twice who promised to call me back both times and never did, XXXX who gave me unsolicited and incorrect loan counselling advice, and a few other people who did not help. I had been told 3 times that my case was reopened and with underwriting once by XXXX and twice by XXXX before XX/XX/XXXX when I demanded to speak to a supervisor. The supervisor XXXX  spoke with me on XX/XX/XXXX and told me that my case had not been reopened and that the ball has been dropped and my case was still closed meaning my credit was being falsely damaged due to this companiys negligence. I feel that this is some type of ploy to get me to fall delinquent on my loan so Flagstar can foreclose and take possession of my home or possibly an attempt to cause me to owe more than the 1 month pass due balance of XXXX   because the current amount I owe is XXXX because of my case being closed in error putting me 2 additional months behind. I finally received my final modification documents XX/XX/XXXX and the capitalized amount is XXXX which is incorrect because my modification was cancelled back in XX/XX/XXXX due to Flagstars error. I am currently seeking legal advice and I have reached out on online forums to see if any other Flagstar customers have experienced this type of issue. The treatment I have received since my mortgage was transferred to Flagstar is unacceptable and unethical and the ball has been dropped will not suffice as an explanation.

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 2019-06-20 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY

Complaint narrative:
Telephone calls 2-3 times daily from a company named XXXX XXXX, also voice messages left stating company has an informational packet that will be given to my place of employment or residence. XXXX   claims debt is owed exceeding {$800.00} but willing to clear debt for payment over {$500.00}. Claims debt is originally owed to HSBC bank with a last payment remitted as of XX/XX/2013. I stated NY state has a 6 year statute of limitations ; and she said I am just a person trying to get out of paying a bill. The person, a Ms XXXX became belligerent and abusive on the phone ; I was not going to stay on the telephone line to take that abuse. 
I have also contacted HSBC bank on two separate occasions to resolve the matter, but HSBC bank will not investigate the matter without myself providing my SSN. I made the argument that the bank already has my SSN ; why is it needed again. I asked if it their bank policy to hand out money without getting a persons SSN in the first place. To sum it up ; HSBC did not want to resolve the matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
Chase levies an automated late fee on my XXXX XXXX XXXX because it fails to credit payments as advertised, the same day that they are made, when they are paid electronically directly from my JPM checking account. When asked about this failure before and when I complained in the past about this, Chase claimed that it automatically issued a credit to offset the late fee. 

I just looked at my credit card account online and Chase is failing to do what it claims it does. While it has an automated late fee debited to the account, no automated credit made simultaneously is being made. As I indicated in previous CFPB complaints about this card, Chase rapidly debits the account while credits lag behind, if they are made at all. 

An electronic payment of {$440.00} was made from my JPM checking account on XX/XX/2019. This was the payment due on that date. Nevertheless, a late fee of {$25.00} was debited to my account on the same date with no credit made at the same time to offset it. 

Why is Chase allowed to automate phony debits and lie about issuing offsetting credits? Credits are not automated and tied directly to phony debits, as Chase claims. 

Why is Chase allowed to falsely advertise that payments made between two JPM Chase accounts are credited the same day that they are made? This is a multi-national, multi-billion dollar company. Why does the CFPB tolerate tiresome, hackneyed " back office '' excuses from such a company that will not invest in lawful automated systems? Why is the CFPB complicit with Chase ripping off millions of US citizens? 

Why isn't the CFPB enforcing the law and effectively protecting the public from widespread, habitual, and wanton gouging by Chase?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I am looking for a roommate in my apartment. someone contacted me via email named XXXX XXXX XXXX saying he is working for XXXX. he said the company will be sending the travel expense on my name and i would have to take the amount and transfer to his travel agent so that he will get tickets and come to XXXX. everything went okay and he told me again that by mistake his company HR issues two checks under my name and i have to deposit and mobile check and i have to transfer the same to other accounts. he asked me to keep {$300.00} as a token of advance for the shared room. but next day, i lost my money {$4500.00} from my bank account. I called them and they said that funds are not available under the account which check was issued. then i called XXXX and he says he is trouble and car met with accident. there won't be problem at all the money would return to your bank account soon. after two days he is not responding. then i read something about this fake check scam in internet and understood that i was bullied. I received two checks from that person : check 1 : XXXX  XXXX, check No : XXXX, date:XX/XX/2019 check 2 : XXXX XXXX, check No : XXXX, date : XX/XX/2019. 
he asked me to deposit these checks and asked me to transfer these checks to these persons : XXXX XXXX, XXXX and XXXX XXXX, XXXX. he is always contacting me in email and text. he never picked my phone. 
wired transfer to the below numbers : XXXX XXXX,XXXX - XX/XX/2019 - {$2500.00} USD XXXX XXXX , XXXX - XX/XX/2019 - {$2000.00} USD XXXX XXXX, XXXX - XX/XX/2019 - {$2500.00} USD XXXX XXXX, XXXX - XX/XX/2019 - {$1700.00} USD Original Contact who initiated this scam : XXXX XXXX XXXX Phone:XXXX,XXXX FAKE BANKER : XXXX PHONE : XXXX Police Case XXXX : XXXX, XXXX sheriff office

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 2019-06-20 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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I asked TransUnion to send me a sign document or original contract to a item that's on my credit report for file number XXXX because i can not identify this item in the amount of {$5700.00} and they fail to do so but yet states that its accurate and did not provide me with the information that will help me identify this item as true,

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 2019-06-20 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Retrieval-Masters Creditors Bureau, Inc., Elmsford, NY Branch
State: WI

Complaint narrative:
I received a letter dated XX/XX/2019 informing me of a date breach. When I called the number provided I reached a call center that told me they can not give me any details on the issue and gave me another number to call. When I called that number, it was a continues loop that just kept saying your estimated wait time is 7 minutes. 29 minutes later an operator picked up the phone. She would not give me any info. Would not tell me what card info was exposed or what information was at risk.

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