vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-04-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Santander Consumer USA Holdings Inc.
State: VA

Complaint narrative:
On XX/XX/2018 my car was totaled. I made a claim through my insurance company and they paid the ACV for the vehicle. After my insurance paid their part I still had a balance which GAP covered some of the remaining balance. I have my auto loan through Santander Consumer. I was told through GAP that they only could pay XXXX on the balance. The total balance was XXXX which Im left with a XXXX balance. Ive contacted Santander several times to ask how they came up with that amount, but they keep giving me the run around. Also they want me to pay XXXX a month on a car I dont have. I also tried to negotiate with them to see if they can lower my payments, because with this balance still owed I cant get financed for another vehicle. I know I may owe them some money but I feel that I dont owe them that much. Now I am stuck without a vehicle, and I cant get financed for another one because they wont work out a plan with me. I dont know what to do in this situation Im just upset because Santander already received 33 payments from me at XXXX a month. They received XXXX from Gap, and XXXX from my Insurance company. So totaled they have got over 30k for a vehicle thats only worth about 12k. So please help me in this situation or give me some input of what I can do. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC

Complaint narrative:
I wrote a check for {$850.00} for my rent on XX/XX/XXXX. I saw this morning, XX/XX/XXXX, that there was an overdraft for the amount of {$260.00} and a fee of {$35.00} as well to cover the overdraft. Now mind you, I found it strange because this money was taken out of what I have known all this time to be my savings account. When I contacted customer service regarding these transactions and the overdraft as well as the fee I had to pay, I was notified that my savings account has changed into another checking account unbeknownst to me. When I opened my bank accounts, I requested both a checking AND savings account. I was never told that if I move my own money between accounts more than 3 times that I would not only be charged {$10.00} but that it would also be changed into a checking account. Also, if the account changed, then why was I still paying the {$12.00} a month for a savings account I no longer had? That question was never answered. I was told that I would have to wait 2-3 business days before I would receive any money back. It is supposed to be the amount of {$880.00} by Monday XX/XX/XXXX. Had I know any of this were to happen I would have never opened an account with Bank Of America.

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 2018-04-05 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK
State: TX

Complaint narrative:
I opened a Discover credit card account in 2009, and have been getting charged every month for payment protection without my consent. I called, and also noticed that there have been lawsuits with Discover card over this very thing. Discover said it will only reimburse me for the past 6 months and not a penny more. They have illegally taken thousands of dollars from me since 2009. Looking at forums, it appears that others have been reimbursed their full amounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-05 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: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX SSN : XXXX XXXX | DOB XX/XX/XXXX Equifax XXXX. XXXX XXXX XXXX, GA XXXX According to the Fair Credit Reporting Act, you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see the Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 
I demand the following accounts be verified or removed immediately. 


O # XXXX * Please remove all non-account holding inquiries over 30 days old. 


Thank you, XXXX A XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
Hello, I am seeking resolutions to handling FCRA violations done against me by the debt collection agency, Portfolio Recovery Associates, who is all violating the provisions of the FCRA, which has caused my credit score to drop tremendously, resulting in receiving higher interest rates on loans ( specifically, a home loan I am trying to obtain currently ).

Portfolio Recovery Associates are falsely reporting information to all 3 major credit reporting agencies, XXXX, XXXX, and XXXX. Violations include but are not limited to falsely reporting a debt as new or re-aged by altering dates such as changing the " Date Opened '' on my credit file to make the account appear newer than it is ( which also resulted in my FICO score taking a major plunge because it is reporting as a new debt ). Also, they are falsely reporting as a factoring company when they are actually a debt collection company. This is a violation to FCRA. And also listing themselves as the " Original Lender '', another violation to FCRA. If an item is changed or deleted, the credit reporting company can not put the disputed information back on my file unless the information provider validates that the information is accurate and complete ( which it is neither ). I have documentation showing that this debt collection agency was removed back in XX/XX/2017, only to learn they are still falsely reporting to all 3 major credit reporting agencies. I am still trying to understand how they were able to just report the same inaccurate, incomplete, invalid and false information back to the credit reporting agencies.

I hope that you are able to assist me in having this unscrupulous debt collection agency reported and held accountable for their intentional violations to FCRA.

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Portfolio Recovery Associates, LLC
State: WI

Complaint narrative:
Since XX/XX/XXXX, I have been disputing information about Portfolio Recovery Associates-a debt buyer that bought a debt from XXXX XXXX card I supposedly owe. 
Although I have requested valid documentation ( proof of signature ) that this debt is mine, I have not received this information from them. 
Meanwhile, they have illegally re-aged the account ( which shows to be open in XX/XX/XXXX on credit reports ) to show an open date of XX/XX/XXXX. They also have a payment status reporting to the credit bureaus of " Seriously Past Due-assigned to an attorney '' which is threatening behavior from my standpoint.

XXXX XXXX also has shown Metro 2 non-compliance with having a high balance lower than the owed balance, missing important fields or errors in the fields like the open date, not providing the entire account #, not showing the date of first delinquency and not providing the correct original lender on some credit bureau reports. I have also hired a credit lawyer who is working on this situation, but it seems to stay unresolved even though we've given them opportunity to remove the account from the credit bureaus due to the illegal errors.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: GA

Complaint narrative:
On XX/XX/2017 One Main Financial placed an credit inquiry on my XXXX credit report. I have never applied with One Main Financial. I am requesting a copy of an authorization giving them permission to view my credit report with this agency or any other agency on XX/XX/2017.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-05 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Commonwealth Financial Systems, Inc.
State: AR

Complaint narrative:
Commonwealth Financial Systems purchased my debt from 4 years ago and have since been contacting me concerning it. I told them that the state of Arkansas has legislature in place that we can not be harassed about medical debt after 2 years. They are now lying and saying that the debt is only 3 months old and was acquired on XX/XX/2017. They call so much that I have had to block their number and they still continue to call.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-05 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: WA

Complaint narrative:
I contacted the credit card customer service on XX/XX/XXXX because i got an alert on my credit monitoring that my credit score has decreased due to the TJXrewards MasterCard decreased my credit limit to a point where my balance exceeded the limit AND charged me a fee because of it. When i called they told me it was due to periodic review of credit score ( which is currently higher than when i got the card in the first place ) i have never been late on a payment. I had to all back 4 times and ask to speak to supervisor because the customer service rep hung up on me 3 times. They refused to waive the fee or restore my credit limit. They never sent notification of any of this to me, i wouldnt have known if i dont regularly monitor my own credit scores

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 2018-04-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
you said that you need moor information on cassXXXX I called the number you put down to call I did and the man said ok that will be fin then hung up the number was XXXX if there is any thing moor all I can say is that chase said to stop paying them then would not work with us and XXXX XXXX XXXX  WONTED MOOR MONEY THEN WE COULD PAY and they would not work with us you can send them all the complaint 's you wont and all they will do is lie about it just like they have ben doing all a long

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-05 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: FIRST NATIONAL BANK OF PENNSYLVANIA
State: NC

Complaint narrative:
Bank paid garnishment from Trust or Fiduciary account. These are funds of others held in trust for closing of real estate transactions. The funds legally can not belong to the account holder.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Seterus, Inc.
State: CA

Complaint narrative:
On XX/XX/2018 a Notice of Sale was posted by the HOA management company, on behalf of Seterus. I  just want to know if it is common for the loan servicing company to have the building management company post the sale notice. Also, the notice was placed on XX/XX/18 with a sale date of XX/XX/18. However, I understood the notice to say that the Notice has to be placed at least 20 days prior to the sale. Is this correct?

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 2018-04-05 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: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I have 9 hard credit inquiries feom Chase Card on XX/XX/XXXX and XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. All dates are 2017 and I have not applied for anything through Chase Card.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-05 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: PMAB,LLC
State: CA

Complaint narrative:
PMAB LLC is calling me multiple time prior starting at XXXX XXXX. I live in CA. They are calling to contact my daughter who lives in SC as a XXXX XXXX about a {$65.00} bill which we have never received a statement for. I have told them 3 times that they are in violation of the FDCPA by doing this but their snarky attitudes prevent them from admitting to this. After my last communication with them about this on XX/XX/18 I called back and they claim they do not have an account associated with my phone number, very convenient. They also claim they have not called me prior to XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-05 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: U.S. BANCORP
State: CA

Complaint narrative:
I filed a complaint number XXXX, and US Bank rsponded but,. I had three lending specialist who reviewed the correspondence ( Two loan officers and one processor ) seem to take issue with your response in the following areas You claim that your impound department relied upon the county tax record to review my taxes for accurate amounts and balance. I find this interesting as your loan department clearly knew that this was a refinance loan and the purchase price was also a matter of public record. I also find it interesting that your impound department didnt question a XXXX   loan on a property valued at XXXX. I understand that the supplemental tax bills are not sent to the lender, only to the borrower, however one of the loan officers I checked with told me that after 30 days, the supplemental taxes are computed and placed on the tax bill. He supplied me with such a notice which I am attaching for your review. Surely your impound department would have seen the increase and been able to accurately accounted for the correct tax amounts. I agree with you that they origin of mis-information was with the originator, who I now understand was not US Bank, but I hope you understand what an imposition this has been on me to know that I was misled into believing that these matters were taken care of, only to be hit with such a large discrepancy.

While I do not claim to be ab expert on Impound account reconciliation, it strikes me as odd that : Your impound department did not catch the discrepancy between the property tax amount and the amount they confirmed with the countys tax department.

Your impound department didnt calculate the {$490.00} tax amount based on the purchase price of the home or for that matter question the decrease in the tax amount on the loan application or XXXX from the loan officer who originated the refinance.

These discrepancies have caused me a great hardship and may force me to sell the house altogether. I would have thought this is something your bank would have wanted to be on top of. I certainly would have made different choices had I been informed at the time of the refinance what my payment really would be. Believing that it would be {$400.00} dollars less, I made choices which have led me to this point.

As for the relief, I find it difficult to take on all of the blame for the miscalculations of the impound department and the deception of the loan officer from the other company. I am not an accountant and as such am not expected to know when a discrepancy of this magnitude is made. Your employees I assume, have some accounting background. Im told that loans must meet certain guidelines to be originated and purchased. Im curious, with the income I have and the payment of this new loan, did I meet those guidelines?

Please reconsider 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 2018-04-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A.
State: KY

Complaint narrative:
I had the citi XXXX XXXX card. I received literature stating the card would come to an end in XX/XX/2018 due to XXXX XXXX taking full rights to XXXX. They were replacing the citi card with an XXXX card. I already had that card. I had planned on keeping my citi till the end but in XX/XX/XXXX ( less than 4 weeks till the card expired ) citi billed me {$95.00} for an annual fee. I called them and explained I didnt understand why they were assessing a fee when the card was up in less than a month. The agent told me I could cancel it without losing my yearly weekend night bonus ( this bonus is awarded if you spend {$10000.00} in a calendar year which I had done ). They now refuse to give me my one free night certificate which I earned. This whole experience has been shady to say the least.

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 2018-04-05 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Unable to open an account
Company: Fidelity National Information Services, Inc. (FNIS)
State: OH

Complaint narrative:
False in formation is being published about me. I have requested the source of this information on multiple occasions. I continue to get correspondence back in the mail after a long period of time, but it is never what I have requested. It is almost like they are holding my information hostage.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-05 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: DISCOVER BANK
State: GA

Complaint narrative:
On XX/XX/2016 Discover placed an inquiry on my XXXX XXXX Credit report. I did not authorize Discover to get access to my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-05 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: 21ST MORTGAGE CORP.
State: TX

Complaint narrative:
I have a debt with 21st Mortgage Corporation that is a voluntary repossession. It was for a mobile home but was never connected to any type of land. I do agree that it should be a voluntary repossession but it should not be coded as a mortgage account, rather as an installment account. Since it is coded as a mortgage account it is showing up as a foreclosure on my credit report. It is incorrect and a FCRA violation. It is also showing up as mortgage late payments, but shouldn't since it was never a mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: CITIZENS FINANCIAL GROUP, INC.
State: RI

Complaint narrative:
I am XXXX and I didnt have a negative on my account yesterday? I deposited my sons social security check last night and wake up today to 2 over draft fees? I called the bank and they said they couldnt reverse them and once my check cleared it would bring it to a positive, so basically theyre taking the check and I stay broke?! Its not like this happens on a weekly basis and the online app reflects otherwise, my account was ok yesterday and today is not?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-04-05 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Loan payment wasn't credited to your account — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: TX

Complaint narrative:
Their daily interest system is not correct and they are taking more money on interest then they should. This has been going on for more than 4 months. 

My annual interest rate is 28.75 % my loan amount on my last statement was {$4500.00}. My daily interest is {$3.00} ( fluctuate depending on principal balance ). I pay daily with all my loans, I pay interest plus extra to go towards the principal, ( this pays the loan off faster ( car loan was paid off 5 months early ). OneMain Financial swap the amounts. Instead they take the large amount and put towards the interest and put the daily interest towards my principal. ex. XX/XX/XXXX I paid them {$20.00} they put {$17.00} to the interest and {$2.00} to the principal, XX/XX/XXXX I paid them {$14.00} they put {$10.00} to the interest and {$3.00} to the principal, XX/XX/XXXX I paid them {$14.00} they put {$10.00} to the interest and {$3.00} to the principal. I called them on XX/XX/XXXX and my call went up to the supervisor, when she finally understood the break down going off of their daily interest formula ( Principal Balance X ( Annual Interest Rate* / Year Count** ) X Number of Days Since Last Payment ( https : //www.onemainfinancial.com/XXXX ), she told me that she will take this to the financial heads and they will get back to me in two days. I never heard back. I called plenty of time before the XX/XX/XXXX and was put on the run around. This is over {$100.00} a month that should have been going towards my principal and my principal should be lower than what it is now.

Company response to consumer: Closed with explanation