vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-11-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XX/XX/XXXX, I purchased a {$1000.00} money order from USPS. I did not need it so I deposited into my CHASE account VIA ATM machine. On XXXX it cleared ( or so I  thought ) and for the entire day my account was in positive status. At XXXX I get an email stating my account was - {$270.00}. They wiped out all of my money in my account. When I contacted them they said it wasn't THEIR fault, it was the fault of the USPS, that REFUSED payment. When I called USPS they informed me that the money order was NEVER presented for payment, and wherever it is its still a viable MO. My theory is that CHASE presented the MO with the wrong serial number or did something in ERROR and I am paying for it as the customer. They are closing my account, and USPS has told me that since they wont give the MO back ( only provides a legal copy ) they would have to do a 60 day inquiry in order to see why this happened before refunding my money. I have been to CHASE branches, where the employees are more than helpful, but cant do anything because " the return process has started. '' I am in a hellish nightmare, cant eat cant sleep had to stop my direct deposit, borrow money, and even facing eviction, and can't believe this is happening to me. The worse part is them saying USPS refused payment.I feel I was profiled for depositing the MO in the ATM. CHASE felt that a XXXX year old grandmother with the zip code in an urban area shouldn't have {$1000.00} and something must be fishy, so just give it back. They won't admit they're wrong, won't help me, has spoken to me horribly on the phone, BRANDED ME A CRIMINAL, all this while me and my family suffer. I am BEYOND devastated by this. Even the employees I have spoken to by going to the branches have tried their best to help me by scanning their fraud department my receipts making calls to help and they are turned away. THEY have even said THIS IS WRONG. I am at my wits end with this institution unwilling to admit their mistake and PROFILING me ... PLEASE HELP ME

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Hello, I am writing you to inform you that here appears to be a bankruptcy on my Equifax credit report. This item only appears on Equifax and not on XXXX or XXXX. 

I demand that you remove this item immediately. There is no evidence of validation other than a third party looking at public records. I have been to the XXXX XXXX County Clerk and he informed me that they DO NOT verify any public records with a third party. In fact this item was removed and then reappeared on my report. 

I am ready, willing and able to proceed with a lawsuit as well as participating in a class action suit against your company. You have 15 Days to remove this item or we will see each other in court. I am not playing games here as this is hurting my ability to gain employment. Therefore, everything and anything that I can do I will do in court. 

Look at the attached report. It clearly states that the item verified is N/A. So your company lies that items were verified and in fact you do nothing. My lawyer is going to pull all of the stops and

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC
State: FL

Complaint narrative:
Today is XX/XX/2018. This morning an ad scrolled across my smartphone screen from Quicken/Rocket Mortgage that said " Get Approved in 8 Minutes ''. This appears to violate at least Advertising/Reg N. This is false and misleading advertising. It may be possible to get " Pre-Qualified '' in 8 minutes, or even " Pre-Approved '' in 8 minutes, but it is virtually impossible to get " Approved '' in 8 minutes. To get " Approved '' means your loan application and all accompanying documents must be reviewed and underwritten by an underwriter, something which can not be done in " 8 minutes '', so in reality it is several days or even weeks for a final " Approval '' to be issued. It is impossible to get " Approved '' in 8 minutes.

Why is Quicken/Rocket Mortgage allowed to mislead the consumer with false promises like this?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-07 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: ENOVA INTERNATIONAL, INC.
State: TN

Complaint narrative:
I have contacted them on several occassions about constantly running my info when inhave not applied with them since XXXX of last year. I haved asked them to remove my information and was denied due to federal law. I just want my info removed from their system

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I have had a checking and savings account with them for almost 6 months now and was told that i would not be charged a monthly fee for either accounts. I filed a complaint last month because when I made my normal employee check deposit for the same amount every month, they gave me a receipt saying that the funds would be available the next day but then changed it to 4 days later afterwards. They are now charging me $ XXXX   monthly service fee which is not what i have been charged nor was I told at the opening of my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-11-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
Have 6 transaction in one day, but only enough funds to cover 5 transaction, But chase charge me 3 overdraft fees ( which the agent told me was the max they can charge for the day ). They said they processed the largest transaction first, but the largest transaction will not cover the funds available.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-11-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SN SERVICING CORPORATION
State: NJ

Complaint narrative:
I fell behind in my mortgage payments due to the divorce and separation with my husband. After going through the court process in XXXX, the mortgage company was willing to work out an informal agreement. I had to pay {$1000.00} down and then pay $ XXXX  monthly. On XX/XX/18 my {$1000.00} check posted to XXXX XXXX, XXXX. I then paid $ 350 monthly. At my last court date on XX/XX/18 the Attorney from the law firm representing XXXX XXXX was unable to provide my correct loan number for my account. It was said this didn't matter but to just continue making the {$350.00} payments to remain in good status. I have had problems with this mortgage company and the lawfirm throughout the whole process. 

On XX/XX/18 I was emailed from XXXX at SN Servicing Corporation saying the bank needs the {$1000.00} and the {$600.00} payment. I immediately got scared because I had already made that payment and felt like I was getting scammed. I am hoping the CFPB can look into this because I have already signed an agreement and have proof that I paid {$1000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-07 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
In XXXX, there were instances where XXXX 's erroneously charged me $ XXXX {$2.00} as an interest charge when my account was paid in full and had a {$0.00} balance. This has resulted in a negative result in XX/XX/XXXX of a 30-day late payment remark on my credit report. 

- XX/XX/XXXX Statement ( Account flagged 1 month late ) New Balance = {$210.00} due XX/XX/XXXX [ No New Purchases ] XXXX Statement ( Account in good standing ) New Balance = {$2.00} due XX/XX/XXXX Payment # 1 on XX/XX/XXXX = {$110.00} ( before XX/XX/XXXX due date ) Payment # 2 on XX/XX/XXXX = {$100.00} ( before XX/XX/XXXX due date ) {$210.00} [ New Balance ] - {$110.00} [ Payment # 1 ] - {$100.00} [ Payment # 2 ] = {$0.00} Balance as of XX/XX/XXXX Interest Charge on Purchases on XX/XX/XXXX = {$2.00} XXXX Statement ( Account flagged 1 month late ) New Balance = {$47.00} due XX/XX/XXXX Purchase # 1 =  {$39.00} Late Fee on XX/XX/XXXX = {$2.00} Minimum Interest on XX/XX/XXXX = {$2.00} XXXX Statement ( Account flagged 2 months late ) New Balance = {$79.00} due XX/XX/XXXX [ No New Purchases ] Late Fee on XX/XX/XXXX = {$29.00} Minimum Interest on XX/XX/XXXX = {$2.00} XXXX Statement ( Account in good standing ) New Balance = {$2.00} due XX/XX/XXXX Payment # 1 on XX/XX/XXXX = {$79.00} ( on XX/XX/XXXX due date ) Minimum Interest on XX/XX/XXXX = {$2.00} XXXX Statement ( Account flagged 1 month late ) New Balance = {$2.00} due XX/XX/XXXX [ No New Purchases ] XXXX Statement ( Account in good standing ) New Balance = {$0.00} due XX/XX/XXXX Payment # 1 on XX/XX/XXXX = {$2.00} ( before XX/XX/XXXX due date ) In accordance with XXXX 's " How to Avoid Paying Interest on Purchases '' clause available in every statement, it states " We will not charge you ANY interest on purchases if you pay your new Balance by the payment due date each month. '' I don't understand why this keeps happening and from my research, it is not an isolated issue with myself. This is a map of my XXXX data. I will be placing a similar complaint for my XXXX data which I had to request from XXXX 's because it was no longer available via their online platform. 

I previously called in to XXXX 's in XXXX to try to resolve this credit issue to no avail as they elevated my situation and somebody will be in contact with me in a few days. After a few days, I was contacted with information that did not make sense and clearly contrary to their disclosure clauses in their billing statements.

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 2018-11-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Santander Consumer USA Holdings Inc.
State: TX

Complaint narrative:
I enrolled in Santander Consumer 's autodraft for my auto loan. They advertise " sign up for auto draft and never worry about a missed payment '', so I did that. I paid 71 payments on time ( {$14000.00} ) using autodraft and was never told that the last payment ( {$240.00} ) had to be made manual. Santander refuses to listen to their recordings to see that they NEVER told me it had to be manual ; therefor it did not get paid until I was sent a notification that my credit score dropped. Why would I pay {$14000.00} ON TIME and not pay the last {$240.00}? I disputed it directly with Santander in XXXX and again XX/XX/XXXX with more information. I disputed it with the 3 credit bureaus in XXXX. They refuse to delete the late payment comments even though the account is paid in full. I am unable to get a home mortgage due to this recent late payment because it is so recent and this alone dropped my score 70 points. 

I was told many conflicting stories from Santander and I would appreciate if they would recognize their fault in this. Do not advertise never missing payments via autodraft, do not record conversations if it is not used for quality purposes, do not tell me it is resolvable when it you have yet to delete the late payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I opened a new Bank of America checking account under a new account promotion of {$300.00} for meeting certain requirements. I met those requirement, and Bank of America acknowledges that, yet paid out {$220.00} instead of the {$300.00}  promised. I made several calls to the bank and they state they took out taxes from my bonus. I spoke with several representatives and asked for the remaining amount of my promised bonus as per their advertised terms and was denied. 

I also received a letter dated XX/XX/18 stating I had qualified for the bonus payout and that {$300.00} was deposited on XX/XX/18, which contradicts what they did which was deposit {$220.00} on XX/XX/18. 

The bonus terms which are clear as to any taxes due on the bonus being my responsibility, states the following : " If you meet all the requirements for the {$300.00} Checking Account bonus, the earned bonus will be deposited directly into your new checking account within sixty ( 60 ) days of meeting the qualifications. Your new personal checking account must be open up to and including the date the bonus is paid in order to receive the bonus. 

All bank account bonuses are treated as income/interest, and as such you have to pay taxes on them. You will be issued a XXXX at the start of next year. '' Lastly, I am not subject to tax withholdings and indicated so on my application ( in case that has anything to do with this issue ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-11-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
Ocwen loan XXXX XXXX XXXX Last 4 social XXXX XXXX XXXX XXXX XXXX XXXX Ocwen has failed to respond to our claims and therefore we will submit our first complaint report to the Federal government agencies including General Arrorneys office and the national mortgage settlement, third party monitors that report to Congress. Bellow is a partial summary of the full report. 

The first complaint addresses our demand to remove escrow account from Ocwen on the grounds and only submitting monthly statements asking for amounts due of the HAMP modification agreement of 2012 prior to Ocwens acquisition We will fulfill our obligations to any third party funds such as tax and insurance The first complaint address the following failures and violations 1. failure to perform proper accounting in terms of application of full amounts of monthly payment in a timely manner, 2. Holding large amounts of monthly payments in addition to RESPA allowed escrow amounts in additional accounts labeled suspended funds, misc, other, fees Then applying those funds weeks and even months later via transactions labeled credit for fees, application of suspended funds, credit for home evaluations, ... 
3. Submitting products that were falsely created, back dated that contain erroneous information to cover up the charges for fees and products such as false title insurance that does not exist, title searches that cost unreasonable amounts of fees, returned check fees for checks and dates that does not exist according to our bank accounts 4. Delayed crediting to our funds in unacceptable accounting such as partial payments as low as {$29.00} at times and delayed dates as long as several months at times 5. Falsely reporting to the IRS surplus funds as misc when in fact they are exceeding RESPA regulations by unlawful amounts 6. Consistent pattern of faulty accounting and  violations in a repetition manner proving willful intent to gain financial interest of the investors XXXX XXXX by keeping as much funds for as long periods of time possible and causing harm to the consumers Ocwen has failed to perform its duties as a loan servicing company, caused damages to our accounts, credit and title not mention disruptions to our life Due to breach of trust, we do not have any confidence in sending any further payments unless a third party monitor handles the funds and those funds will be for the fixed HAMP payment of principle and interest only This third party will either be the federal agencies or the chapter XXXX court and trustees

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-07 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
XXXX XXXX, Equifax and XXXX still has yet, according to the Fair Credit Reporting Act section 609 ( a ) ( 1 ) ( A ) " through the physical validation of the original signed consumer contract '' to provide me lawful proof of verification for several accounts that have been reported on my credit report. This was not only specifically requested by me in my original notice of dispute but also required by " FEDERAL LAW '' as the " ONLY '' lawful way to validate in order to protect my rights as a consumer. Since it has been well passed 30 days allotted them as of XX/XX/2018 I am insisting that he CFPB forces XXXX XXXX, Equifax, and XXXX to legally validate said debts or delete them IMMEDIATELY! Certified letters were mailed out on XX/XX/2018 and delivery of said letters were confirmed XX/XX/2018. 

Accounts : -XXXX XXXX -XXXX XXXX -XXXX XXXX -XXXX XXXX -XXXX XXXX XXXX -XXXX/XXXX -XXXX -XXXX -XXXX ( Been over 7 years ) -XXXX -XXXX -XXXX ( Collection Account-XXXX XXXX only updated account as closed and never supplied lawful validation which was requested ) -XXXX XXXX ( Collection Account-XXXX XXXX only updated account as closed and never supplied lawful validation which was requested ) -XXXX XXXX ( Collection Account-XXXX XXXX only updated account as closed and never supplied lawful validation which was requested ) -XXXX XXXX XXXX ( Collection Account-XXXX XXXX only updated account as closed and never supplied XXXX XXXX which was requested )

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-07 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
XXXX XXXX, XXXX and Experian still has yet, according to the Fair Credit Reporting Act section 609 ( a ) ( 1 ) ( A ) " through the physical validation of the original signed consumer contract '' to provide me lawful proof of verification for several accounts that have been reported on my credit report. This was not only specifically requested by me in my original notice of dispute but also required by " FEDERAL LAW '' as the " ONLY '' lawful way to validate in order to protect my rights as a consumer. Since it has been well passed 30 days allotted them as of XX/XX/2018 I am insisting that he CFPB forces XXXX XXXX, XXXX, and Experian to legally validate said debts or delete them IMMEDIATELY! Certified letters were mailed out on XX/XX/2018 and delivery of said letters were confirmed XX/XX/2018. 

Accounts : -XXXX XXXX -XXXX XXXX -XXXX XXXX -XXXX XXXX -XXXX XXXX XXXX -XXXX/XXXX -XXXX -XXXX -XXXX ( Been over 7 years ) -XXXX -XXXX  -XXXX ( Collection Account-XXXX XXXX only updated account as closed and never supplied lawful validation which was requested ) -XXXX XXXX ( Collection Account-XXXX XXXX only updated account as closed and never supplied lawful validation which was requested ) -XXXX XXXX ( Collection Account-XXXX XXXX only updated account as closed and never supplied lawful validation which was requested ) -XXXX XXXX XXXX ( Collection Account-XXXX XXXX only updated account as closed and never supplied lawful validation which was requested )

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 2018-11-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC
State: NY

Complaint narrative:
I requested mortgage assistance from my lender Shellpoint a few times now to have them come back and me you 1st have to come up with $ XXXX to $ XXXX, as a down payment. I do not have or have saved or could have saved during my hardship. I was willing to make my payment for the approval on XX/XX/2018 but they said they cant accept my payment for the trial plan till i pay them a down payment of {$20000.00} I dont have. My family and I have not lived in any means spending money that we could have paid the mortgage with, we cut out a lot of things for us and our kids for sports activities and other things as well as we do not eat out and we shop at the dollar store and you can see my bank statements showing we have so many over- draft fees, we do not have {$20000.00} to put up front.We have exhausted all we can to work with shellpoint and they only come back to ask for 50 % of the past due amount. I just dont have it. However the payments they had approved me for i can start making them but they wont accept nothing till i give them a down payment. I want to keep my home, my family and I love our home.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-07 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: PNC Bank N.A.
State: NY

Complaint narrative:
Your bank will be shown to have not performed a proper security of their own account holder that impersonated one of your legitimate account holders to authorize the payment to my company. Your security was breached and the person acting on your behalf should have performed a more thorough security check by going off line and making sure this is the person that was intended to release such money and as a result of your lack and regard for who your client supposedly was and not properly authenticating same you authorized payment to my account that was clawed back.. In addition to this security breach because they were able to obtain information of your client they put this information and paid my initial credit card balance of 44K or so and therefore induced us to spend more money on this scam ... Because they were able to steal your clients personal information and bank information this allowed this SCAM to take place. This will be shown in court and you will be liable for damages. This will go to the media etc to show that your bank allowed these scammers to violate and steal information. I want you to pay XXXX the XXXX and I will not pursue this further. XXXX already admitted that were are flaws in the banking system and loop holes.. IF you dont want this to go further I would recommend you address this with XXXX

Company response to consumer: Closed with explanation