vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-10-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I had deposited a check for the amount of {$25000.00} in my checking account with the XXXX XXXX XXXX on XX/XX/2018. My check was cleared by XXXX XXXX  overnight, XXXX XXXX XXXX has illegally withheld my money from withdrawing, and told me that it will be available on XXXX XXXX, when I tried to access my funds on XX/XX/2018 I was told it's pending posting to my account and will be available next day, I am appalled at the dishonest business practices of XXXX XXXX XXXX Management, as an honest banker they should have made my funds available to me as of XX/XX/2018, this dishonest action of the XXXX XXXX XXXX amounts to stealing my deposited funds and using them for their own benefits and making false promises as to when my money will be available for my use. As of the date of this compliant I have no access to my funds, I intend to file a civil action against XXXX XXXX XXXX for their dishonest actions. I have contacted the XXXXXXXX XXXX on XX/XX/2018 at XXXX California time, and the agent I spoke with instead of addressing the issue of my funds availability, had put me on 20 minute hold and then hung up on me.

I hereby request you to sanction and fine XXXX XXXX XXXX as permitted by the Federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Convergent Resources, Inc.
State: PA

Complaint narrative:
Debt collector Convergent sends bills for payment. {$2800.00} or will accept half. Calls on my phone about everyday to try and collect. Has been told by myself numerous times that this was discharged through bankruptcy but continues to call and send an invoice for payment.

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 2018-10-24 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: LendUp Loans LLC
State: TX

Complaint narrative:
This account was never opened by me, shows I have a ton of missed payments but dont its been a year and they still wont stop reporting late payments I need someone to seriously help me out. I have tried to dispute call them and no one can help me out how did someone even use my information?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
I recived a traffic ticket in XXXX of XXXX. It went to the collection agency and was paid when it went to collections. They said a letter was sent On XX/XX/XXXX, and then another letter on XX/XX/XXXX. The way I found out about this was a letter sent to my house XX/XX/XXXX that says " Second Notice - Action Required '' When I asked to speak to a supervisor they sent me to voicemail. After I asked for a copy of terms and conditions they " found '' another account I had failed to pay which is untrue. I believe they are trying to steal from me, thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-24 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: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
I have a hard credit inquiry from TD Auto Finance and I never signed anything giving them permission to run my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-24 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Moss Law Firm, P.C.
State: TX

Complaint narrative:
I reached a judgment agreement in XX/XX/XXXX regarding a XXXX credit card debt following my divorce in XXXX. I hired an attorney to help me reach a payment plan and reached a second payment plan in XXXX of XXXX. I was making the payments and fell behind as a result of my salary decrease and the death of my son 's father since there is no more financial assistance from him. I made a payment in XXXX of XXXX and the balance was {$13000.00} ( I  believe ). On XXXX of XXXX, I asked the lawyer I had hired to reach out to Moss Law Firm and request a reprieve for a few months, because my son 's father had died in XXXX of XXXX and I am no longer getting financial assistance toward his car insurance or his health insurance and due to downsizing at my company my salary was cut from {$60000.00} per year to {$36000.00} per year. 
When the firm I hired reached out to Moss Law Firm, they said my agreement with them had been terminated due to non payment. I believe I was two payments behind. Then the attorney I hired initially said I would have to rehire them to have them negotiate for them again. When I called Moss Law Firm, and the call was recorded, I asked them if I could reinstate an agreement at or near the {$13000.00} balance and their immediate response was " no, you would now owe back to the {$20000.00}. I do not believe they incurred over {$6000.00} in fees in this short of time. Also, since my checks are made to XXXX, I do not believe in the few short minutes they put me on hold they had any communication with XXXX regarding this issue. Since XXXX hired this outside attorney, I believe their collections practices are egregious.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-24 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Harpeth Financial Services, LLC
State: TN

Complaint narrative:
The fee structure and daily interest accrual make the loan payments for the XXXX XXXX Flex Loan restrictively high. My loan balance was {$3800.00} on XX/XX/XXXX and required monthly payments totaling {$1000.00} ( 2 x {$520.00} ), and yet the principle balance was expected to reduce by only {$100.00}. I was only able to afford {$75.00} with my most recent payment on XX/XX/XXXX ( first time late ). The new minimum payment is over {$900.00} and the loan payoff has ballooned to {$4800.00} in less than two weeks. 

After calling XXXX XXXX to inquire about extended payment plans, lower interest rates, or a lower fee structure, I was informed that none of these options exist. My account would continue to accrue 279 % APR interest calculated ( and accumulated ) daily.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-24 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Lending Club Corp
State: IN

Complaint narrative:
The apr on this Loan is over 30 %. When I called asking to refi, I was told I had to wait 2 days. When I asked if I could modify the loan I was told no and would not be able to help me. I was told to contact a different company for help, they repeated a script over and over and when I asked to speak to a supervisor they told me no and someone would call me back. No one called me back, this all happened on XX/XX/2018. They would prefer I default and file bankruptcy verses working this out with me. This is predatory lending.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-24 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: WLCC
State: IN

Complaint narrative:
The term of the loan was XX/XX/XXXX - XX/XX/XXXX. XX/XX/XXXX was first initial payment of {$160.00}. I have paid {$160.00} biweekly since XX/XX/XXXX and the payback totals well over {$600.00} ; which is the initial loan amount. According to XXXX contract and customer service representative, I still have another 10 payments to go. Their fees seem a little outrageous to me and how are they allowed to charge the consumer more fees. Their fees are higher and the terms are longer than the person to person payday companies. For now, I have stopped payments coming from my bank account, as it was accruing negative balances from the withdrawals of XXXX   XXXX. Depending on the outcome of this claim, if the remaining balance must be completed, it will be done on my terms and payments via mail only! will not allow them to have my bank account information anymore.I would like this company investigated for excessive fees and excessive terms of the contract.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-10-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
On XX/XX/2018 I filed a fraud complaint with Bank of America and received a new debit MasterCard which I didnt even activate for at least 10 days. Imagine my surprise when I signed into my account and discovered that yet another charge from the same company was charged to my account and another attempt was made yet again!! I did not give that vendor my new card number purposely as I no longer trust their security and no longer wish to do business with them. I purposely attempted to make a purchase which went through!!! I am not losing my mind YET but I am sure that I did not update payment info with them!!! So I decided to go into my account and was shocked to find mt new card number on file! I contacted Bank of America and after over two hours on the phone found out that as a COURTESY to me they give vendors your new number! I did no9t authorize it was not consulted about it, nor would I have allowed this to occur! The only way to get my money back was to file yet another complaint against the vendor! I allowed this against my better judgement because I feel whoever gave out my new information should be responsible for this charge!!! This is not a courtesy its a breach of trust rendering obtaining a new card a worthless action on my part! Who are they to hand out my financial information to anyone! I was on the phone for 3 hours with them only to be told they have no idea who does this COURTESY however they know it is done!!! I am insensnsed and so angry with the breach of trust in this institution for handing out my financial information!! I told the rep I was speaking to that I was going to contact your agency and she advised me to do just that!!!! Im sorry but I feel this can not or should not be legal!!!!!

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 2018-10-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
XXXXXXXX XXXX  XX/XX/XXXX {$1800.00} XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX XX/XX/XXXX {$350.00} I Dispute these accounts that dont belong to me and belong to someone else with the same name to the credit bureaus and the accounts still remain on file in was not deleted.

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 2018-10-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc.
State: GA

Complaint narrative:
In XX/XX/2018 we received a letter stating to fill out paperwork to receive 2 months of free mortgage because of the storm. We called the mortgage company Caliber Homes to find out what we neede to do and was this information accurate they said sign the form before the deadline and everything will be fine. By the time XXXX came they started sending letter last stating we were behind on our mortgage. Once we mentioned the letter we received and the person we spoke to they denied this and sent another form that came out saying we can see if we apply for lose of income. The packet was so thick with unnecessary information we did not fill it out. We came up with the money to get us out of debt. Then they told us that our homestead insurance went up. We asked how and what is that. The representative stated they will cover {$20.00} dollars of it and they sent out a letter. They never sent out a letter and began to change our mortgage monthly payments then said to shop around for a cheaper insurance.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-24 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Tribal Lending Enterprise, Inc.
State: IN

Complaint narrative:
This loan was obtained in 2017 and due to being laid off in XX/XX/2017 the loan was eventually defaulted. My bank account at the time was extremely negative and the bank closed the account. At some point, I did try the payment arrangement thing but couldn't quite keep up, as I was working off {$130.00} a week in unemployment from XX/XX/2017 - XX/XX/2017. Once I returned to work in XXXX, I tried again with payment arrangements but my bills were so far behind, again I couldn't not keep the arrangement. Since then, the account has been sold to XXXX XXXX, they have been reaching out to me by email but I'm Leary as I have no idea if they are legit to collect any monies from me. XXXX is saying I still owe {$630.00} and the initial amount borrowed was {$600.00}. I'm confused how the balance is still high and they received many payments from my account before the bank closed me out. I would like this balance wiped clean as they have been paid back and some interest payments. I am willing to NEVER borrow from these people again.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
SPS is in violation of CFBP rules, CA HBOR and RESPA guidelines. 

At issue is a short sale request that was submitted on XX/XX/18 and SPS refused to open the short sale request stating they need a package 60 days prior to a sale date. This is in direct violation of RESPA CFR Part 1024 ( Regulation X ) which clearly state lenders must review for any loss mitigation offers if the file is received within 37 days, excerpt below ; ( c ) Evaluation of loss mitigation applications - ( 1 ) Complete loss mitigation application. Except as provided in paragraph ( c ) ( 4 ) ( ii ) of this section, if a servicer receives a complete loss mitigation application more than 37 days before a foreclosure sale, then, within 30 days of receiving the complete loss mitigation application, a servicer shall : ( i ) Evaluate the borrower for all loss mitigation options available to the borrower ; CA HBOR requires lenders and servers to help homeowners avoid foreclosure. By illegally demanding docs 60 days prior to a sale date when CA residents don't get 60 days notice of a sale date and it's a violation of RESPA guidelines then SPS is breaking CA HBOR laws.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
To whom it may concern, I have recently been a victim of online bank fraud. On XX/XX/2018 I noticed that {$5200.00} had been stolen from my bank account. I contacted Chase and reported the fraud to their claims department. We started reviewing my bank account to determine what activity was fraudulent. On XX/XX/18 the following transition were credited to my bank account. 
CREDIT XX/XX/2018 XXXX TRANSFER PPD ID : XXXX XXXX ACH_CREDIT CREDIT XX/XX/2018 XXXX TRANSFER PPD ID : XXXX XXXX ACH_CREDIT The Chase Fraud department explained to me that this was known as a common fishing exercise were hackers find active bank accounts and then sell the account information on the Dark Web. Chase then explained to me that there unauthorized transaction policy is good for 60 days from the first day of the fraudulent activity. So in my case the 60 day clock started on XX/XX/2018. Chase is not going to refund me the following transactions because the activity happened after the 60 day window. 
XX/XX/2018 {$310.00} XXXX XXXX XXXX XXXX WEB ID : XXXX : XXXX XX/XX/2018 {$470.00} XXXX XXXX XXXX XXXX WEB ID : XXXX : XXXX XX/XX/2018 {$660.00} XXXX XXXX XXXX XXXX WEB ID : XXXX : XXXX XX/XX/2018 {$780.00} XXXX XXXX XXXX WEB ID : XXXX : XXXX XX/XX/2018 {$1500.00} XXXX XXXX XXXX WEB ID : XXXX : XXXX XX/XX/2018 {$35.00} XXXX XXXX XXXX XXXX XXXX WEB ID : XXXX : XXXX XX/XX/2018 {$1700.00} XXXX XXXX XXXX WEB ID : XXXX : XXXX Chase had made it very clear to me that they are not going to help me and that if I want to get my money back I had to work it out with XXXX. I have contacted several time and they have created the following case number for me, XXXX. When working with their fraud department on the phone they did acknowledge the fraudulent activity did happen. XXXX told me the issue was between Chase and myself. 
I have no were else to turn and I need help. This is a lot of money for me and my family. We have been planning to use this money to buy a house one day. If there is anything at all you can help with please do and let me know what further actions I can do to try and resolve the issue. Thank you for your time. 
Best regards, XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
I purchased two items using my TJ Maxx MasterCard issued by Synchrony Bank totaling {$31.00}. I received a statement for the transaction and a minimum payment of {$25.00}. The items were both damaged in transit. After following up a few times looking for the refund credit, I filed a dispute for the transaction amount ( {$31.00} ). After a few days, I received a credit for the merchandise less the shipping and handling fees ; less than the transaction amount. I made another phone call to request the remaining balance ( shipping & handling fees and tax ) and to question why I was still required to make a minimum payment for merchandise that I did not have/receive. I was told that I would receive a customer satisfaction credit for the remaining balance but I had to make a minimum payment since the credit for the disputed transaction and the customer satisfaction credit posted in a different billing cycle. I requested to speak to a supervisor regarding this issue. I spoke to a customer service manager XXXX from Ohio ( operator number XXXX ) to explain my perspective, which I think is predatory and not consumer friendly and he echoed the same message. I know that I should at least have 23 days to receive a billing statement for new transactions before a payment is required. Synchrony Bank seems to be violating this law based on this disputed practice. I have excellent credit, so I am left paying for transactions that I have not been billed for so my credit is unharmed despite having no merchandise. Seems like a XXXX thing to do to customers. It is already poor enough to work with an ordering department and a billing department for this issue, which seems like common customer courtesy.

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 2018-10-24 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I reached a judgment agreement in XX/XX/XXXX regarding a Citibank credit card debt following my divorce in XXXX. I hired an attorney to help me reach a payment plan and reached a second payment plan in XX/XX/XXXX. I was making the payments and fell behind as a result of my salary decrease and the death of my son 's father since there is no more financial assistance from him. I made a payment in XX/XX/XXXX and the balance was {$13000.00} ( I believe ). On XX/XX/XXXX, I asked the lawyer I had hired to reach out to XXXX XXXX XXXX and request a reprieve for a few months, because my son 's father had died in XX/XX/XXXX and I am no longer getting financial assistance toward his car insurance or his health insurance and due to downsizing at my company my salary was cut from {$60000.00} per year to {$36000.00} per year. 
When the firm I hired reached out to XXXX XXXX XXXX, they said my agreement with them had been terminated due to non payment. I believe I was two payments behind. Then the attorney I hired initially said I would have to rehire them to have them negotiate for them again. When I called XXXX XXXX XXXX, and the call was recorded, I asked them if I could reinstate an agreement at or near the {$13000.00} balance and their immediate response was " no, you would now owe back to the {$20000.00}. I do not believe they incurred over {$6000.00} in fees in this short of time. Also, since my checks are made to Citibank, I do not believe in the few short minutes they put me on hold they had any communication with Citibank regarding this issue. Since Citibank hired this outside attorney, I believe their collections practices are egregious.

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 2018-10-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bull City Financial Solutions, Inc
State: NC

Complaint narrative:
I have as well as, XXXX, XXXX and XXXX has contacted Bull City Financial over 20 times since XX/XX/2018 about a account for {$510.00} that is not mine. I have never had an account with this company, nor have I had one with XXXX XXXX. On XX/XX/2018 I also filed disputes with the 3 credit bureaus. On XX/XX/2018, XXXX completed its investigation and found out that it was not mine and they removed it form my credit report. I called them back with this information and they continue to say it is mine after they admitted to XXXX that it isn't mine. But they still refuse to remove this false account from my XXXX and XXXX XXXX reports. This account has been proven to not be mine as well as fraudulent. I'm escalating this complaint because when I call them they are really rude wouldn't let me speak to a supervisor, who they blind transferred me to and went straight to a no name voicemail. Can you please help me with this? I have uploaded a screen shot of the notification from XXXX showing that it was removed by them, Please help me.

Company response to consumer: Closed with explanation