vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-02-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Blackhawk Network Holdings Inc.
State: MN

Complaint narrative:
Purchased an item with a {$30.00} rebate advertised. Received the item and applied for the rebate. Rebate was approved and after a 2 month delay, I received and activated the debit card. The problem is the expiration date was less than 12 months from the receipt of the debit card. 

Two attempts to contact the phone number on the card and website only indicated that the card was expired. 

Is it legal to expire a card with less than 1 year from date of receipt? 

The card is issued by XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, GA, XXXX. Activation was by XXXX. 
Card number XXXX XXXX XXXX XXXX The card is a XXXX Debit. 
In the rear of the card, top left it indicates XX/XX/17

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: AL

Complaint narrative:
Freedom Mortgage bough out my existing home loan in XX/XX/XXXX. My property taxes, which are to be paid from escrow, were due XX/XX/XXXX. It is now XX/XX/XXXX, 135 DAYS LATE, and my taxes have not been paid. 

It appears, from reviewing an escrow statement, that when they took over the loan, someone there royally screwed up and did not even calculate the property taxes in my escrow account. This is their fault. 

The county revenue commissioner has sent a certified letter to me that states my property will start advertising in two weeks for a tax sale. 

I have talked to numerous people at Freedom. I called mid XX/XX/XXXX when I realized they had not made payment and was promised it would be handled by end of XX/XX/XXXX. 

These people have mismanaged my funds and have breached contract. I have never been late on a payment I expect the same from them. This morning I was promised it would be paid by close of business today but doesn't look like that is happening, either.

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 2018-02-13 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: AMERICAN EXPRESS COMPANY
State: NE

Complaint narrative:
I opened a credit card with American Express in XX/XX/2017. It had a promotional offer that a bonus would be paid if {$1000.00} was spent on the card within the first 3 billing cycles. The terms stated that a cardholder was only eligible for the bonus one time on that card. Several years ago I had a separate American Express card, what I believe to be a different product with different terms. I spent over {$1000.00} on my current card, but was told that I had signed up previously for this card and they would not honor the terms of the promotion. I did not know when I signed up for the card that they did not find me eligible for the promotion. I received a letter in the mail saying I was eligible for the offer. If I was not eligible why were they sending me mail. I thought that by receiving the offer that I was eligible.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-13 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
Reviewed my credit and realized there is a collection listed under name of XXXX XXXX XXXX. I have no knowledge of this account. This company never provided any information to validate this debt. I never received any legitimate proof before this negative account was placed on my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-13 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: LD Holdings Group, LLC
State: FL

Complaint narrative:
In XX/XX/2017 days after Hurricane Irma, we received an email from Loan Depot asking do you need a three month natural disaster forbearance, reply back yes or no. We replied back YES. it was that easy. Too easy in retrospect. Our mortgage payment is $ XXXX/month so that money allowed us to make repairs after the hurricane. 

Three months later we were offered a natural disaster modification from Loan Depot however, that modification raised the interest rate on our VA loan and and charged various fees. Instead, of accepting that proposal we informed Loan Depot we didn't want a higher rate, we took out a personal loan, got caught up on the three payments. However, when I called today, I was told we were not removed from the modification program and I have to request that we be removed and fees refunded. 

No where in a single piece of paperwork ( and I saved every single one ) did Loan Depot ever disclose they were going to raise the interest rate 1 % higher rate. Nor did they disclose there would be other fees. They made it easy to get in the program and now getting out, even though we are caught up, is next to impossible. I can only imagine if we are having these issues, so are a lot of other veterans. I think Loan Depot expected us to just refinance again to get the lower rate that we had initially. It seems predatory to us and takes advantage of not only a natural disaster but also veterans.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-13 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: CA

Complaint narrative:
I obtained a personal installment loan from One Main in the amount of {$5000.00} about a year ago. On the evening of XX/XX/XXXX, I  was contacted by a loan representative located in the XXXX XXXX   Branch office. The loan representative failed to identify herself. 

I was contacted by a representative who was calling to collect my XX/XX/XXXX loan payment. I explained to the loan representative I would be making my payment on XX/XX/XXXX, because I was at work and in a meeting. 

The loan representative insisted I pay immediately the month of XX/XX/XXXX and for the month of XX/XX/XXXX which was not due yet. The month of XX/XX/XXXX, was not due yet and has a 15 day grace period to pay. 

I explained to the representative I was not going to pay for XX/XX/XXXX because it was not due yet. Further, I again explained I would be making my XX/XX/XXXX payment on XX/XX/XXXX. 

The loan representative then handed the phone to Branch Manager XXXX XXXX XXXX. XXXX XXXX demanded I explain to her why I was late making my loan payment. 
I responded I would be making my loan payment on XX/XX/XXXX, and I did not have to explain why I was making my payment on that day. 

XXXX XXXX then proceeded to threaten, intimidate, and scare me with legal action. 
XXXX XXXX insisted I pay for my loan payment of XX/XX/XXXX which was not due yet. 

XXXX XXXX threats in attempting to collect a debt are illegal, unethical, abusive harassment and prohibited by the Fair Debt Collection Practices Act as stated by the Federal Trade Commission. 

Branch Manager XXXX XXXX XXXX and her associates intentionally practice unethical business practices, by threatening and intimidating loan customers when collecting late loan payments. These illegal collection practice using threats and intimidation to place loan customers in fear to pay is illegal and must be stopped.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-13 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
constantly doing inquiries on my credit, going to fight this its hurting me bad, and they call all day everyday

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Seterus, Inc.
State: GA

Complaint narrative:
I sold my house XX/XX/XXXX. The attorney called Seterus Inc. to verify taxes had not been paid. Seterus told tbem they had not so attorney paid taxes and said I would get my money back with escrow refund. I got an escrow check that did not include taxes. I called Seterus tbey stated they paid taxes. I called county and they said it was dounle paid. They would refund money to Seterus. That was 3 months ago. On XX/XX/XXXX Seterus stated they had the refund but were aloud 3 weeks to refund to me. I called back today Seterus stated they didn't get money back from XXXX County. They have had my money for 3 months and noone is helping. XXXX keeps transferring me around to differen people.

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 2018-02-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: LA

Complaint narrative:
My issue is with Ditech, and the servicing of my loan. On XX/XX/XXXX,  Ditech paid the flood insurance on my home in XXXX XXXX. The amount paid was {$560.00}. My premium amount was {$450.00}. When I called Ditech on XX/XX/XXXX, they told me that Ditech paid my insurance premium without receiving any documentation from my insurance company for the amount old. The supervisor in the insurance payment division further told me that someone from Ditech called my insurance company on XX/XX/XXXX, and requested the premium amount over the phone, and the insurance provider said that the amount was {$560.00}. Ditech was unable to provide me with any record of this phone conversation when I spoke with them on XX/XX/XXXX. I have a statement from my insurer datedXX/XX/XXXX ( the same date that Ditech says they talked to my insurance company ), saying that my insurance premium is actually {$450.00}. 

I don't believe that Ditech contacted my insurer. I don't believe that they made any attempt to know how much my premium was supposed to be before paying my premium. I can't believe that they would pay my insurance premium without some sort of paper trail or documentation stating the amount of insurance owed. 

This is my second issue with Ditech. Last year, Ditech paid two different premiums on two different hazard insurance policies covering the same house. They did so despite my insurance broker notifying them that one policy had been cancelled, and that I had a new policy. I saw my mortgage payment spike, and had to devote a significant amount of time and effort to retrieving my money -- through no fault of my own.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-13 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Problem with customer service — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I mistakenly deposit money from XXXX to my old Chase Business banking account. Because, I had accrued a debt they kept my money and re-instated me a check under the name of my old business. 
I was told that the Chase branch would cash my check. When going to the branches, they have made it very clear that they don't cash businesses checks. 
When I call the Chase Business customer service, they aren't able to find a solution for me and state that they can't send me a check under my name. 
No one is willing to work with me and I have money that I am unable to cash. 

I can't find a solution.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-13 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: RSI Enterprises, Inc.
State: AZ

Complaint narrative:
This " company '' has been calling my home for months, using various numbers, leaving messages saying that someone here ( no name provided ) owes money and it's an attempt to collect a debt. They claim to be from RSI Enterprises. My husband and I have made repeated attempts to contact them and have either been put on hold immediately upon answering and left on hold for up to an hour before we hung up or the calls disconnect as soon as answered or they say to leave a message, which we will not because we don't want to fuel the fire. As far as we know, we do not owe anyone money for anything. We have received NO correspondence from anyone stating otherwise. It seems that after nearly a year, we would have been turned over to a collection agency that would provide a letter or it would be put on our credit and nothing of the sort has happened. I would like them to STOP calling me if they have no intention of stating what the matter is or sending me a letter to tell me rather than play games with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-13 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
XXXX Sent my account to XXXX XXXX XXXX XXXX on XX/XX/XXXX and put it in disputed status and suspended collection Activity XX/XX/XXXX. 

I have sent them a registered letter to dissolve the issue as time after time going back to XX/XX/XXXX and current in XX/XX/XXXX of this year to dissolve the issue. When I switch my account to XXXX it took XXXX over 3 months to get the bill pay off to XXXX as well as they sent it to collections before sending the finale bill to XXXX. XXXX kept sending the bills to XXXX. They had lost the equipment that I return in the store I was told it was sent to the wrong distribution place for returns by XXXX and they had charge me for equipment that was return that took XXXX 2 months to get straight of the return equipment to the store. XXXX has told me in XX/XX/XXXX and XX/XX/XXXX they was working on resolving the issue and never did. XXXX received US Registerd mail about the issue and never to this day resolve the issue. They kept sending me to different departments and they never call back or tried to fix the issues. XXXX can verify the issue to how long it took them to send all the bills. Then they credit back over {$1500.00} to my account once the equipment was entered to there system as return in the store. It was nothing but one big mess after another. Now the account was sent back to the debt collection company XXXX XXXX XXXX XXXX and now it is in disputed status and suspended collection Activity on XX/XX/XXXX by 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 2018-02-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
Bank of America failed to satisfy the mortgage on our home and or release the lien on our home. This mortgage has been paid in full for 8 years. We and our bank have made numerous requests for Bank of America to rectify this situation and they have done nothing. They do not return phone calls, they will not let you speak to a supervisor. We have been trying for 3 weeks just to get someone to tell us where they are in the process and they refuse to give us any information.

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 2018-02-13 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Fees charged for closing account
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
We had a CD IRA purchased on XX/XX/XXXX and it was a five year term. 
I called on XX/XX/XXXX to check about fees or penalty to transfer this to another bank. 
The gentleman said no fees/penalty because of my age ( XXXX ). So I decided to transfer or rollover this IRA CD to the other bank. I signed the papers from the other bank on XX/XX/XXXX to get the process started. The bank notified me on XX/XX/XXXX that the transfer was completed. I went out on XX/XX/XXXX and signed papers and etc. When I got home I was filing the papers and etc and noticed the amount of the original CD was {$760.00} less. 
I called Chase to find out why and they said there was a 2 % penalty of the face amount of the CD. I told them I was advised by another representative no charges! Plus nowhere on my paper work does it say what the penalty fees are for an early withdraw. I had one year left to finish the 5 year term. I do think this fee is very excessive and it was only paying 0.55 %. We called Chase to see if we could cancel the transaction and send the check back to them and they said no. They are ending the CD Retirement program. 
I would like my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
ON XX/XX/XXXX I CONTACTED XXXX XXXX XXXX TO DISCUSS A CHARGE OF {$290.00} ( CHARGED-OFF ) ON MY CREDIT REPORT. I WAS A PREVIOUS STUDENT ATTENDING THE XXXX   ON FINANCIAL AID WITH NO OUT OF POCKET COSTS. DUE TO MY HEALTH AND HOSPITALIZATION I WAS UNABLE TO ATTEND THE CLASS AND NOTIFIED MY ACADEMIC ADVISER IN XX/XX/XXXX. I VERIFIED WHAT THIS CHARGE WITH FOR WITH THE SCHOOL AND I WAS TOLD THE SCHOOL WAS REQUIRED TO RETURNED FUNDS BACK TO THE DEPARTMENT OF EDUCATION AND THE PRORATED FEES WERE ASSESSED TO MY SCHOOL ACCOUNT. 

- THE PROBLEM IS I WAS NEVER NOTIFIED OF ANY TYPE OF FINANCIAL AID PROBLEMS. 

- THE {$290.00} IS A RESULT IN A FEE THE SCHOOL ASSESSED FOR A CLASS I DID NOT ATTEND. 

- I WAS NEVER PROVIDED AN OPPORTUNITY TO PAY THE FUNDS IF FACT I AM RESPONSIBLE. UNDER MY STUDENT ACCOUNT HISTORY I WAS NEVER INVOICE FOR THE AMOUNT SHOWED CHARGED OFF ON MY EQUIFAX CREDIT REPORT. 

- XXXX  XXXX XXXX IS NEGATIVELY REPORTING A CHARGED OFF ACCOUNT THAT HAS NEVER BEEN VERIFIED AS VALID ON MY EQUIFAX REPORT. 

- THERE IS NO AGREEMENT THAT HAS BEEN PROVIDED THAT I HAVE WITH THE XXXX   REGARDING ANY FEES THAT I OWE.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc.
State: CO

Complaint narrative:
I recently moved..Santander consumer usa was last on my list to change address. My payments are sent auto  payment from my bank to you..yesterday I went to mailbox and received my XX/XX/XXXX. statement..with my NEW address ... .Where did you get my new address? 
I haven't submitted it to you yet ... 
I have had many problems with you ... .now I would like to know HOW and WHERE you got my new address? 
Your company has caused me unnecessary stress and anxiety,,, now this?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-13 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
My son had a student loan with Wells Fargo. I co-signed the loan. My son settled the debt with Wells Fargo and {$14000.00} was the total amount of debt discharged ( written off ) in the agreed upon settlement. For tax purposes, Wells Fargo issued both me, and my son, a XXXX COPY B FOR BORROWER/DEBTOR that requires us both to file with the IRS, meaning we both must pay taxes on the same {$14000.00}, paying double tax. 

After speaking with 3 tax advisors and an attorney, I was told that as a co-signer, I should have received the XXXX COPY C FOR GUARANTOR. This would not require me to file this form with the IRS, as my son would file and pay the taxes as the " Borrower ''. 

Wells Fargo, in issuing 2 " COPY B FOR BORROWER/DEBTOR '', is thus able to report double the amount of money as written off or discharged. This is illegal, unethical, and unscrupulous. I'm sure I'm not the first one to whom this has happened. 
I've spoken with XXXX people at Wells Fargo - 2 ignorant, and the 3rd obstinate who are unable, or unwilling to correct the second copy and re-issue as a 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 2018-02-13 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: CA

Complaint narrative:
I have tried numerous times to get this illegal reporting off my credit report from Equifax files. I finally got a letter from the company myself, and also fisrt data sent them a letter a month ago to get that item removed from my credit files. I am attaching the letter again for Equifax can get it again, and finally get this matter resolved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-13 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
On XX/XX/2018 I submitted a complaint to Credit Bureau Experian/XXXX and XXXX about errors on my credit report. Recently I received a completed report from them. I had requested Validation and accuracy of a XXXX account # XXXX. Under Federal Law, I have the right to see in writting how Experian/XXXX and XXXX  Validated the accuracy of this negative collection account. This was a paid on time account and closed. Experian/XXXX  and XXXX has failed to provide me proof documentation from XXXX. The 30 days exceeded.

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 2018-02-13 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: PA

Complaint narrative:
My school taxes have not been paid and have went to collections. Multiple charges have been added for late fees and collections. I have called since XX/XX/XXXX with no resolve.

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