vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-01-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
On XX/XX/2018 I deposited a business check accidentally into my checking account. This was a cashier check. Santander credited me the funds but two days later noticed the mistake and took the funds out. Since then I have been trying to get them to return the funds. I was told to wait 30 days and they will mail me a check. Didn't happen. I was told wait longer and they will be returning the check back to XXXX XXXX ( issuing bank ) via ACH didn't happen. I contacted the OCC to file a complaint. At that point someone from their executive office contacted me and told me that they spoke with XXXX and will mailing them a check payble to XXXX XXXX and that XXXX then has to deposit the check and credit their customer who purchased the cashiers check. They have attempted to do this 2 times now. Both unsuccessful and XXXX has confirmed to me and to their customer that they do not handle such transactions in other words they do not have any department that will do this since they cashed the check. 

The person who purcahsed the check has been in contact with their local branch over this time their branch has told them that Santander can mail the check directly to the brach and they can take care of it from there. Santander refuses to do this they continue to hold these funds. I need this issue resolved already its been 6 months!

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 2019-01-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: U.S. BANCORP
State: CA

Complaint narrative:
It is a very long story but to put it short and simple. 
XXXX is a airline working with US bank credit card with a rewards program. 

Us bank issued a rewards number that XXXX does not recognize. 
XXXX is now with a new platform XXXX that also does not recognize the rewards number. 

The company claims you are building rewards but the rewards are not accessible not by US bank, XXXX or XXXX. 
I have this problem, my mother and my cousin. 

When I got the card, a year ago, I asked US bank to transfer the points to a rewards number that was recognized by the company, they did once! 
Since then I still have other points that were accrued and earned and they will not allow access or transfer those points.

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 2019-01-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: VALLEY NATIONAL BANCORP
State: FL

Complaint narrative:
On XX/XX/XXXX, I opened Valley National Bank Premier Checking account ending on XXXX because the bank was offering a {$200.00} bonus for just setting up a direct deposit. 
On XX/XX/XXXX, I got the {$200.00} advertised bonus after a {$100.00} direct deposit from XXXX. 
However, on XX/XX/XXXX, Valley National Bank clawed back the {$200.00} bonus. The transaction description was Rewards Credited in Error. This unexpected transaction caused a {$36.00} overdraft fee. 
On XX/XX/XXXX, I closed the checking account after they reversed the {$36.00} overdraft fee. 
On XX/XX/XXXX, I erroneously got a {$200.00} XXXXINT Form from Valley National Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: TJC Mortgage, Inc.
State: GA

Complaint narrative:
I applied for a mortgage loan with XXXX XXXX XXXX through TJC Mortgage, Inc. back in XX/XX/2018 with Pre-Approval letter date on XX/XX/2018. My realtor got a Binding Contract on a property on XX/XX/2018 with contingency period on XX/XX/2018 and closing date on XX/XX/2018. All this information was emailed and received by XXXX on XX/XX/2018, so he was aware of the dates and the Earnest Money amount. On that same week, I gave the Earnest Money check to the seller for {$1800.00}. On the XXXX, he sent me the Loan Application and I e-signed it. The home got inspected on the XXXX as well for {$390.00}. Then he emailed me an Appraisal Payment Form from TJC Mortgage for {$470.00} on the XXXX, and I paid it. On the XXXX, XXXX sent me an email requesting additional documentation to finish up preparing the file for underwriting. I immediately sent him everything that he requested. I noticed he was already struggling with his underwriting team to get a final approval because part of my income is based on commission. Something I had initially discussed with him. Completely unaware of the Contingency Date ( XX/XX/2018 ),  XXXX started to ask for different documents to get a final approval from his underwriting on XX/XX/2018. Instead of given me a final decision on the Mortgage Loan before the  Contingency Date so I could at least get my earnest money check back, he went on trying different things to get it approved until finally deciding they could not get me approved on XX/XX/2018, only 3 days before the closing date ( XX/XX/2018 ). At that point I had already spent {$2700.00} and could not get the earnest money back from the seller. I was very disappointed and tried to get in contact with XXXX a few times to see if he could at least reimburse me for some of the expenses, but he ignored my emails and calls. He was extremely negligent in not getting things done on time, and not being upfront with me since the beginning. Besides losing {$2700.00}, I also had to pay a fee to stay at my current apartment and ended up spending on other extra expenses as well because of his negligence and irresponsibility. It was the worst experience possible trying to purchase my first home. What kind of Mortgage company gives you a final approval decision on a loan only 3 days before the closing date? I hope this complaint helps other people thinking about doing business with XXXX XXXX and TJC Mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Cornerstone Home Lending Inc.
State: UT

Complaint narrative:
I am trying to remove PMI from my conventional loan. I have contacted the Servicer and they said that it would cost XXXX dollars to have an appraisal done. This seemed excessive and sure enough, I read on thXXXX XXXX XXXX site ( F-1-02 : " Servicing Guide '' ) That " The borrower must be charged the cost of the BPO or appraisal based on the following table ... ''. This stipulates that the servicer " Must '' follow this table and only charge me {$150.00} to have my property 's value appraised.

Because of the exorbitant amount Cornerstone Home Lending ( CHL ) wanted to charge me I held off on the appraisal because I considered it a poor financial decision at the time. After I found this appraisal cost information I contacted CHL to clarify the cost so that I could have the appraisal done and the PMI removed. It took nearly 1 week to get a response at which point they said the following in an email : " Please be advised that your loan servicing will be transferring to your new servicer on XX/XX/XXXX. Due to your upcoming transfer, we may not be able to complete any further actions on your loan to pursue PMI removal. We apologize for the inconvenience ; however, you may request PMI removal with your new servicer after the transfer is complete. '' I inquired further trying to figure out more information about this sudden change. Why didn't I receive any information about this? Why am I receiving this information in the same email string about removing PMI instead of through an official notice? Why am I being told about this 1 week before it's slated to happen? I contacted CFPB to find out what my rights were as a homeowner and found out that at the very least my lender is required to give me notice 15 days before any changes happen, this never occurred ...

I would have removed my PMI inXX/XX/XXXX( saving me ~7 months of PMI payments )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: U.S. Collections West, Inc.
State: AZ

Complaint narrative:
We experienced a fire casualty to our residence on XX/XX/XXXX - a neighboring unit experienced a fire, and the resulting water damage from firefighting efforts rendered our unit unsafe for habitation. Also, extensive damage to the unit resulted in our enjoyment off the dwelling unit to be substantially impaired, specifically we where unable to utilize our master bedroom, the master bedroom closet, the master bath, as well significant portions of our living room and kitchen. Pursuant to A.R.S. 33-1366 ( XXXX ) we first advised our landlord in a letter on XX/XX/XXXX that we were terminating the lease per our rights under State Law. On XX/XX/XXXX, we hand delivered our keys to the apartment, and the landlord signed that they received the final letter and keys to the unit, and that they are aware that we were terminating our lease per the relevant state statutes. 

Subsequently, the landlord referred this invalid and un-owed debt to a collections agency ( XXXX. XXXX XXXX, XXXX ) in violation of ARS 33-1366 ( b ) which states that the " Accounting for rent in the event of termination or appointment is to occur as of the date the tenant vacates all or part of the dwelling unit. '' The collections agency was made aware of the basis for the termination of the lease, and that until and unless the debt is validated via a court determination that ARS 33-1366 ( a ) the debt is invalid. We relayed this information in two letters dated XX/XX/XXXX and XX/XX/XXXX. And that we claim all rights, privileges, and remedies according to the FDCPA and FCRA in regards to this. 

Subsequently, in XXXX of XXXX we were made aware that they had reported this invalid debt to the XXXX Credit Bureau.

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 2019-01-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Merchants Acceptance Corp
State: WA

Complaint narrative:
My wife and I pulled all 3 of our credit reports to find out what was showing on them, as we hadn't done it in a long time. We were shocked to see accounts that we do not recognize, including companies we've never done business with. One of these was : Merchants Acceptance Cor The address listed on the credit report is : XXXX XXXX XXXX XXXX, WA XXXX The account number that they are reporting is " XXXX '' I was advised to send a " Validation '' Letter to them to validate the debt under the FDCPA and FCRA . I have attached the letter with my complaint, for both my wife and myself. I mailed it " Certified Mail '' so that I would be able to verify that they received it. USPS.com tracking shows that it was delivered on XX/XX/XXXX at XXXX XXXX. I have also attached a copy of the " Certified Mail Receipts '' so that you can see the tracking of this letter. 

Under the law, they had 30 days after receiving the validation letter to respond to my letter and validate the debt that they're reporting to the credit bureaus. It has been 54 days ( Today is XX/XX/XXXX ) and they have not sent me anything at all. I have given well over the 30 day window for them to correct this and validate this debt they're reporting, but they have not done so. 

Please note that before sending the validation letter to this company, we also sent a dispute letter to all 3 credit bureaus ( XXXX, XXXX, and XXXX ) and Merchants Acceptance Cor have NOT removed this account from my credit reports, or have sent me any kind of validation. 

We request for this company to remove this account from our credit reports immediately, as they have not followed the law, including FDCPA Section 809 ( b ), which carries a {$1000.00} fine for not validating the debt and still continuing to report it on my credit reports. 

Thank you for helping me resolve this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Fairway Independent Mortgage Corporation
State: NJ

Complaint narrative:
My mortgage company ( Fairway Mortgage ) sold the mortgage to another mortgage company ( XXXX XXXX ). My homeowners insurance company ( XXXX XXXX XXXX, XXXX XXXX is listed as the agent ) charged us {$30.00} to do paperwork to transfer the insurance. They said if we don't pay this fee they will terminate the insurance. We paid a full year in advance, so how could they terminate the policy? Why should I have to pay this fee? Shouldn't Fairway Mortgage pay for this since they initiated it?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-22 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: ID

Complaint narrative:
On XX/XX/XXXX I got my loan statement from Wells Fargo. There were charges added to my balance. two amounts one for XXXX and another for XXXX. I have no idea what these charges to my line of credit are for. 

I called Wells Fargo. The first guy I talked to said they show the earliest date is XX/XX/XXXX. He would not tell me what the charges are for. He forwarded me to someone else. I requested a copy of the charges itemized sent to me via email. He refused. He told me he could send it to a fax number that is no secure but could not send it to me at my home email address. I told him to remove the changes until they could tell me what they are for. I spoke to a third person. They also refused to tell me what the charges are for except that they are for XXXX taxes. My house is not worth that in taxes. I told them that I am working with the county on disputed taxes. But that my taxes are paid and I wanted to know what they charged my line of credit for. Again they refused the information. The first I have seen these charges or notified of these charges was when I saw them on my statement added into my mortgage. I have no idea what they are for. I told them that if my taxes are disputed surely they would contact me. The second guy told me that they have notified me multiple times ( which they have not done ) I said when they email me what the XXXX the charges are for to include copies of the notifications. Again they have refused.I was delayed in sending this to you because I had to get an electronic copy of my statement to include with this complaint. I still have heard nothing from Wells Fargo.

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 2019-01-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I called to ask for a retention offer and I never gave permission for them to close my credit card. I complained about 1. bad service 2. the annual fee.

The call got disconnected ( which in such a case has happened before and nothing happened after that ) and my credit card got closed 9 hours later against my consent and will. 

I tried to have them reinstate it and they claim the card is no longer offered which is a lie at it's best. The card is a XXXX XXXX XXXX XXXX. 

I would like to add that this has happened to me before and I was shot down by Amex all day until I opened a CFPB complaint ... ... it seems Amex won't move until they get pressed against the wall.

See link below that it is still being offered : XXXX XXXX XXXX I called them numerous times and spent more than 5 hours on this and was told yes we will get it sorted and all this and then only to get told no later on in the phone call. 

In addition I have some {$7000.00} in charges that are eligible for XXXX points per dollar which is XXXX points and now I will also be losing these points.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: AES/PHEAA
State: OH

Complaint narrative:
I was on a repayment forbearance program. I am on government assistance ; which is what qualified me for the program. XX/XX/2017 I recieved communication that I needed to resubmit my documentation from XXXX to continue my forbearance which I did. XX/XX/2017 contacted XXXX XXXX to ask about a notice I received that they no longer service my loan that it had been sent to collections. I should not have been in default! For the last year or more I was working with a creditor XXXX making {$5.00} payments that I couldn't afford! Point is I should never have been taken off of the forbearance program! Now I'm in a tax offset which will take my hard earned money!! There is nothing stopping XXXX from forcing people into default that dont belong!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-22 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
This is not a valid debt, the charges made to the card were for car repairs which were not authorized and did not resolve the issue of the check engine light being on. 

Additionally the credit card company SYNCB/CAR CARE XXXX continued to charge interest and late fees well after the account was charged off to a total of {$1000.00} in late fees and additional interest. The credit limit on the original card was {$2100.00} the total amount finally charged off as bad for the unauthorized charges and work on the car was {$3100.00}.

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 non-monetary relief
Consumer complaint received 2019-01-22 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Services, Inc.
State: OH

Complaint narrative:
I was forced out of forbearance by XXXX XXXX in XX/XX/XXXX ; at this time NCS contacted me about debt and I started the rehab program and completed my 9 months of payments and around the end of the 9 month I didnt have a job but they were calling me everyday because they wanted to add a card to the account. I was unemployed and borrowing from relatives to make my last few payments. XX/XX/XXXX is when I contacted them for a missed payment, made a payment and was advised that ; that was my 9th payment and I was now in my transfer period. All correspondents stopped while in my transfer period they did not mail me any statements saying my payments were due for the transfer period. Up until this time I was mailed a billing statement every month telling me my payments were due. When I contacted NCS they said it is not mandatory for them to send the notice!? Now I'm in a TOP that I cant get out of!! This should be against the law!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-22 00:00:00
Product: Credit card or prepaid card — Gift card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Blackhawk Network Holdings Inc.
State: CA

Complaint narrative:
I submitted a {$200.00} gift card to be sold on the XXXX XXXXwith the confirmation email indicating I should receive payment within 1-3 business days. After two weeks of hearing nothing, I reached out to XXXX  supportwhich is limited to an email account. That email went unresponded to, so I attempted to call Blackhawk, its parent company, and was put directly through to voicemail despite it being business hours. When I left a voicemail, I additionally received no response. After browsing public reviews left by countless others both on sites such as XXXX as well as directly with the XXXX, I am concerned this company is committing fraud against the public and operating on a license that should be reviewed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-01-22 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
This is not a valid debt, the charges made to the card were for car repairs which were not authorized and did not resolve the issue of the check engine light being on.

Additionally the credit card company SYNCB/CAR CARE XXXX  continued to charge interest and late fees well after the account was charged off to a total of {$1000.00} in late fees and additional interest. The credit limit on the original card was {$2100.00} the total amount finally charged off as bad for the unauthorized charges and work on the car was {$3100.00}.

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 2019-01-22 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A.
State: OR

Complaint narrative:
Opened a home Depot credit card to purchase items for home repairs. In talking to a rep, I asked if the promotion was available to me and they confirmed it would apply. It was supposed to be {$100.00} applied to first purchase. It was never disclosed that there was a minimum purchase. I made my purchase and got my bill. There was no credit applied. When I called, the reps said they would only give me {$25.00}. All I want is for the promotion that was told to 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 explanation