vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-04-12 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: VA

Complaint narrative:
Santander Consumer USA account is reporting a charged off collection account and a late payment status. This is erroneous information, account was never late and never went to collections. The account was awaiting payment from XXXX and XXXX from a total loss. Santander was paid via settlement by me for the remaining balance on XX/XX/XXXX. Santander stated that they would remove account from all 3 credit bureaus file, once settlement was received. On XX/XX/XXXX, I spoke with XXXX, from escalated accounts and he stated it would take up to 30 days for the removal and credit files to be updated. He also informed that a letter of settlement would be sent stating account was paid and removed. As of XX/XX/XXXX, no letter. However, I did receive a 1099-C (  cancellation of debt ) for tax purposes. Once settled and receipt of cancellation of debt account should have been removed. Santander has refused to remove status of late payment and sent to collections. Again neither of those 2 referenced things applied to my account. I have reached out on several occasions, with no relief. Santander has been unrelenting through this whole ordeal. They have been nasty and rude. No one should experience the agony they have put me through. They are predators. This company needs to be put out of business for their unfair and unjust practices!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I have received a solicitation to apply for a XXXX XXXX credit card, which I did. After I applied I got declined by Chase with the reason of having too many recent accounts that were opened. This caused me to get a new inquiry on my credit report. If CHASE was going to decline me knowing this information already, then they should not have solicited me to apply for the credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I unfortunately became the victim of a check cashing scam back on XX/XX/XXXX19 due to a loophole in Bank of America 's check cashing system for long time customers, when a brother & sister approached me & asked if I bank with Bank of America, & after I responded yes, they asked if I could help them out & cash a check in the amount of {$4700.00} because the sister was desperate to make her rent ; sympathetically I said I don't think the bank will cash this, they'll probably put a hold on it ; I asked the teller if it if it would be ok to cash this check when I only had around {$50.00} in my account at the time, he told me it was without checking with anyone else there & that there wouldn't need to be a hold put in place. On XX/XX/XXXX, I had a notification that my account was overdrawn {$4000.00}, & the following day after my tax return had been direct deposited, my balance sits at - {$2800.00}. After getting a copy of the check on XX/XX/XXXX, which turned out to be stolen company check, I was told Bank of America allowed me to cashed it & didn't put a hold on it because I had been a long time customer ; I said I would be willing to pay this back but they said it would have to be for payments of $ 400+ every 2 weeks, in which I responded that I don't have any financial resources to meet that commitment. I filed a police report who were shocked that the bank allowed me to cash the check. I had to tell them it was because Bank of America said I was a long time customer & so apparently I can cash a check in a large amount without question. I filed a complaint with the XXXX XXXX XXXX on XX/XX/XXXX, I finally received a response in a letter on XXXX saying that while they were sorry this had occurred, but due having signed a contract back in XXXX, they would deny my claim for reversing the fraudulent charge & that my account would be closed if it was still negative by XX/XX/XXXX. Now as a person who lives paycheck to paycheck, I don't have the resources to pay this back before this goes to collections without being financially crippled.

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 2019-04-12 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 — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/XXXX, someone illegally obtained the card of an authorized user on my account. They then spent roughly {$1200.00} at XXXX XXXX, XXXX, and XXXX XXXX. On XX/XX/XXXX, I noticed the fraud and immediately called Chase for protection services. During this call, they asked whether I had the cards. Either through misunderstanding or - more likely due to my XXXX - mishearing the question, I responded that I did. Subsequently, they denied the claim of fraud, and insist that I am responsible for the fraudulent charges. I have appealed the dispute multiple times with Chase, attempted to correct the record in terms of the erroneous information on the first phone call, and have even provided police reports related to the theft of the card from the authorized user, knowing full well that filing a false police report is a felony. Despite the evidence provided, Chase 's response is that there is insufficient evidence to determine the fraudulent charges were, in fact, fraudulent. Despite insistence that I am protected from fraud, Chase refuses to acknowledge that a card was taken and used for invalid purchases. When pressed, they insist the response to a single question on the initial call - which, I might point out, took place over the phone despite the fact that I am XXXX XXXX impaired - is the only factor leading to this decision.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Freedom Mortgage Company
State: TX

Complaint narrative:
Recently I bought a house and applied a loan from Freedom Mortgage Corporation. The loan application was handled by XXXX XXXX XXXX XXXX. 
Initially the closing date was set as XX/XX/2019. XXXX XXXX XXXX XXXX locked my rate for 3 days. This lock expired on XX/XX/2019. In other words, the lock covers three days, namely XX/XX/XXXX,XX/XX/XXXX, and XX/XX/XXXX. 
Later, due to the title company 's issue, the closing date was changed to XX/XX/2019. XXXX XXXX XXXX XXXX extended the lock from 3 days to 9 days. The new lock expired on XX/XX/2019. It  covers XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX, and XX/XX/XXXX. Obviously, there is a 3-day overlap between the length of the initial lock and that of the new lock. I was double charged for the 3-day overlap in the closing disclosure. 
However, XXXX XXXX XXXX XXXX only reimbursed me the cost of 2-day overlap. I argued with XXXX XXXX XXXX XXXX but I was rejected. I file this complaint to get my money back. It is the cost of one-day lock and is {$68.00}. 
Thank you!

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 2019-04-12 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: CURO Intermediate Holdings
State: TX

Complaint narrative:
I took a loan in the amount of {$750.00} dollars. I have already paid {$1300.00}, but have run into a financial hardship. Negotiations with the company have not amounted to anything. I am very frustrated that they are demanding the payoff in the amount over {$1500.00}. Every time I try to contact the company I do not get any information. Now when I log onto the site, I am no longer able to view my loan documents. I want to offer the Speedy Cash a settlement offer in the amount of {$250.00} which will bring the total amount paid on the loan to well over {$1500.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-12 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC
State: WI

Complaint narrative:
They call and leave voice messages about 4 to 5 times a day, it's really annoying! I never filled anything out for them to contact me! Your web site said not to interact with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TOYOTA MOTOR CREDIT CORPORATION
State: PA

Complaint narrative:
I was shocked when reviewing my credit report and found late payments on the dates below : 30 days late as of XX/XX/2018, 60 days late in XX/XX/2018, and 90 days late in XX/XX/2018 I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BMO BANK NATIONAL ASSOCIATION
State: CA

Complaint narrative:
After receiving a debit card for my personal checking account at BMO Harris bank, I proceded to call the activation number that was provided. Upon calling the number, I was transfered to a, I agent who said that in order to activate my debit card, I was to fax or send a notorized copy of my driver 's license, front and back, include the notory address, phone number and license and include a contact phone number for myself. I told her that usually I activate my cards by just dialing the actvation number and entering my card number. She said that this was the only way I could activate my card. I asked for a supervisor and I was referred to a XXXX XXXX who told me that after submitting all this info I would be sent a text to my contact number where I would be given a code that I would confirm and then she would call me back with a decision at some time. I told her this was rediculous and that I would fax the information to her. After faxing a notorized copy of my driver 's license with the other info she requested I waited for her text. After two hours of faxing the info with no response, I recalled the activation center. They told me that she was not available. When I called a third time I was told she was busy. Finally, after a third time calling the said she went home. This was about XXXX XXXX pacific time. The next day I called again and was told they had not received the fax yet. I have a copy of the transmission and it said fax was successful. On Sunday, XX/XX/19 I called 3 times to activate my card and was abruptly disconnected by them after entering my card number. Because I needed to use funds in my account to pay my bills, I decided to drive from my home in XXXX XXXX county to XXXX, Arizona the neareast location to me. That drive took approximately 10 hours round trip {$100.00} of gas. I also missed a day of work.

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 2019-04-12 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: BlueChip Financial
State: NC

Complaint narrative:
When I initially agreed to the loan, my understanding was that the monthly payment would be a lesser amount. However, when they emailed me the amount due each month, it doubled. Also, the total amount due on the loan equals out to be approximately four times the amount that I would owe. I borrowed {$600.00} and now I owe over {$2000.00}. I called to try to get the payment divided up to a lesser amount, but they advised me that I should stay with the contracted amount originally submitted to me. I am on Social Security XXXX, and at the present time, I am struggling financially to get this debt under control. Basically it has become a hardship for my house hold. Instead of a {$600.00} asset, it has become a burden. I have since been diagnosed with Multiple XXXX XXXX ( XXXX XXXX XXXX ). The cost of the medication that has been prescribed for me is somewhat expensive, but I need to take it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
In the midst of both cash and credit card fraud by online theft, and telephone threats, I paid through XXXX XXXX upwards of {$1300.00}. plus {$540.00}. through a XXXX charge. XXXX was able to reclaim and reverse the charge to my account housed there in. Yet Chase Marriott has and continues to refuse the remove the fraudulent charges dated XX/XX/XXXX which included the purchase of three XXXX   @ $ XXXX, and then a shipment fee at a local postage store for {$64.00} for a total of {$2100.00}, still outstanding on my Chase Marriott Visa Account. I have ordered copies of the Statement dated XX/XX/XXXX, which was the first Statement received from that company. Now I have a new account number and a new card, but still these charges have not been removed from my debt. They have become buried in the pile of debt to be collected [ or written off when I die ]. I expect to live quite a bit longer, just as both of my parents who lived into their XXXX XXXX. So carrying around this bad debt which is not my own is not ethical. That is what I told Chase Marriott again today, when requesting a dispute and removal be done. I was told multiple dates of how long after a debt was charge the account holder had to dispute the debt. It was 118 days from the date the bill was sent, or 60 days, from the date of the charge. I was also told by the Supervisor at Chase Marriott Visa today, XX/XX/XXXX that they did not have access to this statement or these charges. I do and would be more than happy to share the facsimile copy I have kept on file after asking their office for a copy of the XX/XX/XXXX stmt. issued for payment on XX/XX/XXXX. The first statement on the account. There is something very suspicious going on here and I do not intend to pay the defrauded portion of the bill and interest accumulated on it over the last five [ 5 ] years. Please advise Chase Marriott Rewards aka Marriott Rewards, XXXX XXXX XXXX, XXXX, DE XXXX that I want the total amount of charges, plus all accumulated interest to date removed from my account immediately. I know this can be done, since this within this same period of time, The XXXX XXXX charges associated with their own fraudulent activity are being redistributed to myself and others in a large law suit. [ See United States vs. The XXXX XXXX XXXX, Remission Administrator, for those details ].

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: New Mexico Educational Assistance Foundation
State: NM

Complaint narrative:
My student loans were defaulted even though I was enrolled at school. They started the timer on my payments when I should have been under the protection of In School Deferred payment status. From the day you leave school you have 6 months before you start making payments. As you can see by my transcripts I was enrolled in school and the timer for payments was started while in school which lead to a default that was inaccurate. 

I was notified of default and spoke to NMEAF to advise I was enrolled during those periods that they have me as delinquent. Had my information been accurate I would not have been in default. Even with giving NMEAF this information they chose to leave my loans in default status. This benefits NMEAF as they receive payment from the government. 

The affects of this Default are far reaching, 1. I have had to pay a higher interest rate being that I had to consolidate my loans. This has raised my overall payment and is costing more money.

2. I am disqualified from Public Service Loan Forgiveness with a default. I am a XXXX XXXX and was planning on working for PSLF. 
3. It has ruined my credit report due to the default and the inaccuracies that NMEAF choses to report. 

First delinquency is showing XX/XX/XXXX with default taking place in XX/XX/XXXX. I spoke to NMEAF about my enrollment status that same month XX/XX/XXXX, I consolidated my student loans that same month.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
Kohls/Capital One has listed an account on my credit reports in the amount of {$590.00}. I have disputed this item with the credit bureaus and the company did not respond with the information requested. I requested proof of the account and received nothing. I do not believe this account is mine and is blemishing my credit reports as it is negatively impacting my scores. The company states that the account meets FCRA requirements but it does not because it did not provide proof of this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
After sending information to verify myself with my disputes ( XX/XX/2019 ), TransUnion has failed to respond to the following issues on my credit report. The following items in question should be removed from my credit report. 

TransUnion XXXX ACCOUNTS XXXX  XXXX XXXX not mine XXXX XXXX XXXX   XXXX not mine XXXX XXXX XXXX not mine COLLECTIONS XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX not mine XXXX XXXX XXXX XXXX not mine FXXXX XXXX XXXX  XXXX not mine XXXX XXXX not mine XXXX XXXX XXXX XXXX XXXX not mine

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 2019-04-12 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: CARD Corporation
State: GA

Complaint narrative:
I stopped at XXXX XXXX XXXX in XXXX, XXXX on XX/XX/2019 at XXXX and used my prepaid visa from card.com and pumped {$13.00} in gas. My card was charged {$76.00}. Which was all but {$5.00} from what was on my card. My lights get cut off at XXXX that in 45 min because of this and will cost {$350.00} to have cut back on. Money I do not have due to trying to get on my feet from an abusive marriage I'm finally out of. I called card.com while still at the store. The store said it was the card company and the card company said its the store. I explained to them my situation and they acted as if they did not care for the store and card.com nowhere under the agreement that I agreed to with card.com did it say anything whatsoever about them holding {$76.00} when I would use my card at a pump and nowhere on the pump or at that store did it say anything I requested to speak with a supervisor they told me someone would call me back I waited and waited called again same thing only this time they said I had already had a request tomoney.k with a supervisor they would not try to get another one put in my money would be back in three days waited again still no call so I called again this time they said it would take 7 days all I want is my money back because now it's costing me {$350.00} that I'm now think they should be responsible for they would not help me. They did not try the added like they just did not care and know where did it say anything about holding that much money. I emailed a copy of the receipt showing I only spent {$13.00} yet they said that would not work it wasn't good enough. The only reason I signed up for the card was because my friend asked me to because once you do it and get so much money on there you both get {$30.00} neither of us have received it but they said that I have done everything that they required in order to get it get neither of us have gotten which that was the only reason I even signed up for the card. If it wasn't for that I never would have got it. I believe we were scammed just so we would get it.

Company response to consumer: Closed with explanation