vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-05-12 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Southwest Credit Systems, L.P.
State: CA

Complaint narrative:
I saw my credit bureau and saw negative credit reporting by SWC reference #  XXXX . I calle d SWC SouthWest Credi  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  TX XXXX  Phone #  XXXX  and asked the agent for legal proof of notifying me of the collections but he did not provide any cerified mail proof of any notification sent to me about this account or collections.   I will report  XXXX  and  SWC  for illegal credit reporting practices and also to the BBB I calle d SWC today dema nding for proof of notification, the agent was very dismissive and put me on a long hold when asked to speak to his Supervisor Please have  XXXX   XXXX  and SWC Remove my account from collections as I had no knowledge of this collection item until I saw a negative credit reporting on my credit bureau accounts on  XXXX  Sincerely,  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-12 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: VW Credit
State: CA

Complaint narrative:
I have a diesel VW that is part of the VW Buyback settlement. I have an appointment at VW  on   XXXX   XXXX   to turn in  the vehicle and receive the buyback for early lease termination. VW  of America-  XXXX  My monthly lease payment is due on   XXXX   XXXX    (  3 days before I 'm turning in the car ), and I called VW credit to ask for a grace period, explaining that I have the appointment ( and can not get one sooner ), but they will not waive the payment. VW  XXXX   XXXX  I do not think it 's fair to have to pay for a month if I only have the car for 3 days during that payment period.     The  VW   XXXX   XXXX   XXXX   XXXX  says that I " MAY '' get a refund from VW Credit, but nobody can guarantee anything.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-05-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: CO

Complaint narrative:
This is a follow-up to a previous complaint with your agency. That complaint # is  XXXX . I had a mortgage on my home serviced by   XXXX   XXXX    based in  XXXX , FL, at the time that m y HOA file d a foreclosure suit against me over disputed  HOA  fees. Within days of this occurrence,   XXXX   sold the loan to a company called Green Tree Servicing, which has since changed its name to  Ditech. Ditech  is my current loan servicer. The summary of my dispute is captured in a letter I sent to  Ditech  dated  XXXX   XXXX ,   XXXX  , which is the last of several letters I wrote to them. I include it as an attachment below. I never received a response to this letter, and so I assumed the matter had simply gone away. However, starting in  XXXX    XXXX  , I saw on my mortgage statement that there was a separate charge of {$80.00}. I thought this had something to do with the escrow shortage. I finally call ed Ditech  a week ago to find out exactly what this charge is. I now discover it is to cover the legal f ees that I had disputed in my earlier complaint and that I continue to dispute. In other words, Ditech is tacking this extra charge on to capture these fee s which I contend should never have been incurred in the first place. So in fact, my complaint has still not been resolved to my satisfaction. They simply decided to ignore this last letter dated  XXXX / XXXX /  XXXX  !

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-12 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I received a letter from my bank  ( bank of America ) saying the y will be closing my  XXXX  business accounts in 51 days from the letter. No reason given. I have also tried to contact other banks and asked about opening new accounts and been told no they do n't handle my type of accounts. I own an   XXXX   XXXX  , so I have about  XXXX  atm machines located in various gas stations, bars, stores  ect.  I need the business account to get the ach deposits everyday and then I withdraw money to load back into the machines. This is a legal business and there are millions o f atm machines ac ross the country, most are privately owned like mine. How can banks refuse a legal business? I do n't know what to do and I 'm at risk of losing my house and everything in 50 days. This is not right.

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 2017-05-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
De ar Sir/Madam,  This is in regards to  my CitiBank accou nt #  XXXX . In  XXXX   XXXX   CitiBank ha d a promotional offer of {$400.0 0} if one opens  a new checking account with initial deposit of {$15000.00} within 30 days of opening such an account and keeps this balance in the account for at least 90 days. On  XXXX / XXXX / XXXX , I applied for such account online and attached pdf file has all relevant information of my interaction wit h CitiBank a bout this matter.     On  XXXX / XXXX / XXXX  I received a confirmation that my account is now active and ready to be funded ( please see pag es 1 and 2 of the at tached file ).     On  XXXX / XXXX / XXXX  the money has been deposited into my account ( please se e pages 3,4  an d 5 of the  attached file ). ).     After 3 months of the opening of the account I started inquiring regarding {$400.00} bonus. I could not get a clear answer, was transfer f rom one depar tment to another, and just to get rid of me was required to fill out different forms and sent them back, which I did.     Calling the bank, waiting to be transferred to different departments, filling out and mailing different forms took substantial amount of my time, but I still wanted to get what have been promised, besides the bank used my {$15000.00} absolutely free now for 7 months.     Finally on  XXXX / XXXX / XXXX  after several attempts to resolve this matter over the phone, I received a letter stating that my account does not qualify for this promotion because the required deposit was not made within the stated time frame ( please see the la st ( 6th )   page of the attached document ).     As indicated by the dates of the attached correspondence, I followed all terms of  CitiB  ank 's promotional offer and I feel that I have been defrauded by CitiBank, where   they used my money without fulfilling their promised obligation. Thus, I would like to kindly ask for your help in resolving this matter. Please do not hesitate to contact me at  XXXX  XXXX  XXXX  or by calling  XXXX  if you have any questions or require any further documentation.     Thank you in advance.    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 2017-05-12 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: PA

Complaint narrative:
On   XXXX  , my mother,  XXXX   XXXX , was approved for a loan with  OneMain Financia  XXXX . The amount of the loan was approximately {$15000.00}. My mother was  XXXX   XXXX   XXXX  at the time of application and was advised the use her vehicle to secure the loan. This was done even though at the time she was not eligible for credit life insurance due to the lender 's choice of insurance provider. My mother passed away on  XXXX  with no assets other than her vehicle. My family and I needed to find a buyer for the vehicle to cover funeral expenses as my mother was on a fixed income.     The title is encumbered by a lien from the lender. I have had  XXXX  of Attorney on my mother 's banking matters since   XXXX   due to physical and mental health issues. We asked the lender why she was not offered insurance and were advised that they do not cover borrowers  XXXX  and over, which itself seems to be a discriminatory practice. The vehicle is only worth {$5500.00} per  XXXX   XXXX   XXXX  value.     I have attempted to discuss the issue with the  XXXX  office who suggested repossession even though my family and I have not yet had time to discuss what to do with this account or the vehicle and the account is not delinquent.     This appears to be an issue of predatory lending and exploitation of an elderly and vulnerable adult. We would like to ask you assistance in requesting the lender to release the lien on the vehicle so that our buyer  XXXX  purchase the car allowing us to cover the needed funeral expenses.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: OK

Complaint narrative:
I have two rental property mortgage loans with Ocwen Loan Servicing. For much of the past year, I would mail my payments at the end of the month always adding extra to payment to cover the late fee. They would never apply the late fee, instead placing the extra portion of payment into a unapplied account. I did n't make payments online because I was trying to avoid their XXXX XXXX XXXX  payment fee they place on internet payers. My accounts showed 30 days late for sometime. One of my properties, they came up with around {$500.00} of extra fees, of which I paid last month. The other property of mine, they are accessing {$1000.00} worth of fees. The other property is a home that was destroyed by renters years ago. I have completely gutted out the house, there is only wood framing inside. I 've slowly been renovating it. I went to the house to retrieve a washer/dryer in storage and found that Ocwen had locked me out. I called the number of their subsidiary that locked me out and they immediately gave me access to the house. They told me that the loan appeared to be current. In the process of lockout, the company damaged my garage door with a grinder ( cutting off my lock ), they stole a gallon of bug spray and a tarp that I had covered over a washer/dryer. They placed winterized stickers on toilet flange and drain pipes sticking out of walls. The house is mainly down to wood framing with nothing to be winterized. I 've been slowly in process of remodeling the house, I had some construction material near a room I began sheet rocking. For some reason, they moved those items to a stack of new sheetrock I had on floor. The stickers where dated XXXX XXXX, 2017.  It was less than a month later that I realized this happened. Ocwen is generally very unhelpful with questions and has terrible service. I did place a complaint to their website. Their customer service rep contacted me regarding these issues. She was the only friendly person I had ever spoken with at Ocwen. Unfortunately, she was not able to help with any of the fees. It was pretty much out of her hands. Ocwen 's standpoint was that since the property was vacant and I was 30 days late on payments that they had every right to lock me out and charge secure and maintenance costs. All of these fees related to my two mortgage loans are just forms of legal extortion. It 's morally and ethically wrong for a business to practice in this manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-12 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Problem with customer service — 
Company: JPMORGAN CHASE & CO.
State: OK

Complaint narrative:
Chase/JP Morgan  is the worst bank I have ever used. I have been a customer of the bank in my local area since   XXXX  . I have my business account there. Recently I deposited a Cashiers Check to bring my account up in order to pay some bills. The deposit funds were from another bank in the area that I also use for my business account..     I was informed that the bank would place a hold on the check for 10 days. When I explained that it was for bill payment, I was met with indifference, rudeness, and complete lack of concern. Of course, if my account had non sufficient funds due to their " policies '', I would be subject to fees and penalties.     I have had many other instances of this type with Chase Bank, and have not ever sent in a complaint before. But I am so angry over their intransigence and lack of customer support, I am closing my account and taking my business elsewhere. The large banks, the ones " too big to fail '' have become the small custo mers enemy.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-12 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
On  XXXX / XXXX /  XXXX   I looked up the balance to m y American Express Gift Card,  and the record showed that it had been used fraudulently. I received this card months ago as a holiday gift, and it had not left my wallet.     The charge that I disputed was made at a   XXXX   XXXX   at  XXXX   XXXX   XXXX   XXXX  in  XXXX   XXXX , CA with a transaction date of  XXXX / XXXX /  XXXX   and a post date of  XXXX / XXXX /  XXXX  . The disputed amount was {$21.00}.     I contacte d American Express customer services, gift card division, and they said that my o nly recourse was to contact the merchant directly. The merchant could do nothing to help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-12 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: BlueChip Financial
State: PA

Complaint narrative:
It has come to my attention that payday/internet lenders must be licensed by the state of Pennsylvania in order to offer loans to its residents. Since this company has no license in my state, the loan contract I have is not valid. Although I am not legally required to do so, I am willing to repay the principal balance of this loan, plus 6 % interest, which is the maximum allowed by Pennsylvani a Law.    I received a deposit of {$800.00} on  XXXX / XXXX /  XXXX  . From  XXXX / XXXX /  XXXX   to  XXXX / XXXX /  XXXX  , I have paid a total of {$950.00}.   Based on the above mentioned P A State Law, the principal plus 6 % would be {$840.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-12 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: Credit Plus Inc
State: GA

Complaint narrative:
I am finalizing a mortgage refinance and have been keeping a close eye on my report. I noticed a hard pull on my report from  XXXX   XXXX ,   XXXX  . My broker said this is generally a soft pull done right before closing to ensure no additional lines of credit have been taken out. In this case, it is reported as an additional hard pull and effecting the score.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc.
State: TX

Complaint narrative:
I have kept contact with  Santander c onsumer Usa company since the very beginning  XXXX   XXXX  about my payments. I noticed that my payment where being applied incorrectly in  XXXX   XXXX  every payment that I made was getting applied only to interest. On  XXXX  the  XXXX  i called the company and address this with a customer services rep who insured me that they would fix my account and apply my payments properly. I called in and made my payment on  XXXX   XXXX   XXXX  I also to verify on this day that my payments where corrected the Rep on the phone said that they saw there was an open case but that the payments had been adjusted and the best way to make the payment is to always call in so I did that until  XXXX   XXXX ,  XXXX  when i spoke t o rep (   XXXX   ) I and as ked about my balanced because my bills never came in the same amount some where lower some where higher and from her explanation 'my payments have still been applied incorrectly mostly to interest '. I have been on the phone with this company for an hour or longer every time since. My account was finally escalated to the presidential de pt. (   XXXX   )   XXXX   XXXX ,  XXXX  because every payment that made over the phone had been made wrong and need adjustments. I spoke to department managers  XXXX , who insured me that they would fix my account and call be back. I had then email me a copy of my payment history every time i talked to then. since  XXXX / XXXX / XXXX  i have called several times  XXXX   XXXX  /  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  get sent to a voicemail saying my number has been linked to my account and all reps a busy i can leave a message and someone will return my call but no one ever called.  XXXX / XXXX / XXXX  i called from coworkers phone and was able to get a Rep. from the presidential dept  XXXX   XXXX   XXXX  who said they where still working on my account and that not all payments had been adjusted i explained to her that my account had went up severa l hundred dollars  since they been working on it she said it would fluctuate but my account was going to get submitted for a audit and they would call me back in a few days.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-12 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Avant Credit Corporation
State: FL

Complaint narrative:
I responded to a pre-approved offer and while submitting information, they asked for not just my bank account number but its password so they could " link '' the accounts. I became concerned and stopped doing the application. i went to  XXXX  to research them and read many negative reviews. I did not complete the application. i went back to the website to try to cancel or close it out but it said unavailable and was unavailable the rest of the night. The application was about half way completed. in the morning I received an email saying I needed to complete the application today and funds could be in account by tomorrow. It also stated " by finishing your application you 'll enjoy ... '' My intent was to apply for a {$300.00} loan to buy dirt for an above ground pool i had purchased. i never answered the email. I called my bank today to ensure my paycheck was deposited and noticed a deposit for {$2300.00}. I called and tracked it down  to    XXXX   XXXX   and then to  Avant Bank. I called them and they told me I could return the money but would still owe a {$90.00} +  fee. I told them I never completed the application and  they insisted I did. I did not and would not. I am having my bank reject the deposit. I told Avant I do not authorize them to touch my bank account in any manner and to remove my bank account information from their records. They said they were unable to do that and that " they would n't do anything ''. The Avant person kept then trying to discuss how I intended on paying the $ 90+ fee. I did not ask for this money, I did not complete an application and I do not want their mo ney. It is a total scam, just as the reviews you can find all over  XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: DISCOVER BANK
State: NC

Complaint narrative:
On  XXXX   XXXX ,  XXXX , I calle d Card Member S ervices, to request an extension  of 6-12 months  at the rate of 0 % originally set for this card. Sharing the fact I am  XXXX , and am still impacted by the 10.7 % unemployment rate, and am working with our  XXXX   XXXX   XXXX  agency to remedy the situation, as yet unsuccessfully. I have already attempted to remedy the situation before it happened through meeting with the  XXXX   XXXX   XXXX   XXXX  agency, who applauded me for my tight budget, and told me their h elp may co st me more than help me. I feel stuck between a rock and hard place, unless an extension is allowed by the creditor. Here is a copy of the message recapping the calls which I have also posted in a message on my account at the  Card Holder  services. Their response was NO HARDSHIP ASSISTANCE WAS AVAILABLE TO ME.   COPIED MESSAGE "  XXXX   XXXX ,  XXXX  DiscoverCard undisclosed interest rate for current period being incurred.     After speaking with  XXXX ,  XXXX ,  XXXX  and finally  XXXX , explaining the impact of the current unemployment figures on the  XXXX  employable people seeking work at 10.7 % over the protracted period including both  XXXX   XXXX  and  XXXX   XXXX , I, as a  XXXX  individual, am still faced with lack of earning to support an increase in interest on my account from 0 % to 23.24 % or market based value as stated by  XXXX  and other staff, but not printed on my account anywhere of 23.74 % on my next bill. Nor have I been able to 'discover ' the disclosure, I requested from each department. I requested a disclosure in print of the new amount currently being incurred, at the rate verbally disclosed to me today of 23.74 % to no avail as I reported to  XXXX  and  XXXX  at  DiscoverCard vi a phone today, and no help with other hardship assistance. I reported to yo ur Card Member  Services representative/s who  XXXX  assures me could not help with any hardship assistance to extend the 0 % for any length of time. I asked 6 months longer if possible, and explained to  XXXX  how he  may fe el when making a credit purchase, for which the interest climbed excessively during a  XXXX  period and a statement arrived with the addition cost included in his outstanding balance. It is obvious these people do not understand the impact of going from 0 % to 23.24 % or in this case 23.74 % without the means to pay, yet it is almost guaranteed at some point they will 'discover ' how this works. Perhaps they will find a hardship assistance method in the meantime.   A copy of this message will be shared with the FTC.gov, the ConsumerFinance.gov, the ADA.gov. '' Please review with the mind of a person protecting  XXXX  rights as well as a debtor making efforts to meeting untenable terms.   Thank you. See most recent statement wit h credit score  attached.

Company response to consumer: Closed with non-monetary relief