vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-06-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
Chase is beginning to operate as a predatory bank. They have shown no accountability to the things they have done to my account. In XX/XX/XXXX, I made a transfer from my XXXX XXXX XXXX account to my chase account to cover pending transactions and to have money for lunch. I checked my account to make sure the quick exchange transaction went through. From XXXX XXXX XXXX, the account money left my account immediately and the status was processed as in completed. Chase held the funds and did not give me credit for the sole purpose of charging fees. To avoid this, I took precautionary steps. I called and spoke with a manager about the transfer. He could n't understand why the funds were not in the account. I  explicitly explained that I did not want to be charged fees for the funds not being available and asked if I needed to make an additional deposit. The supervisor claimed he called the back office to ensure my funds would be credited. It never happened, he falsely notated my account, and they acted like I never had the conversation. I had to go through so many people to get them to pull the call and reverse the fees. 2nd incident happend in XX/XX/XXXX, when all their systems were down and no one could make a deposit except by going to the ATM. I did not have my card and I tried the quick deposit and branch option, but the computers were not available for the employees to use. I asked what their work around was, no one had one, not even a manager. I called the XXXX number, no access. I then contacted them on XXXX to make sure the same problem that happened in XX/XX/XXXX would n't happen. They assured me no one would be billed fees for this day because of the massage outage. You think Chase reps honored that? No they gave me a hard time crediting their fees even though I went a step further to transfer money to them from XXXX XXXX XXXX to demonstrate my efforts of trying to deposit money. Now, they have cut off my quick deposit due to the 6 fees I collected under their bank error. They keep moving around in circles and it 's inconvenience, and more importantly disrespectful.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-06-16 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: SLM CORPORATION
State: NJ

Complaint narrative:
I had 4 separate private loans through Sallie Mae. When i went to refinance my student loans through XXXX XXXX they could only cover 3 of my loans for pay off. When i gave XXXX the information for each individual loan for pay off they dispersed the money with a document stating how much money was to be applied to each loan, XXXX XXXX had no knowledge of me having a 4th loan with Sallie Mae therefore when they sent the money for payoff they listed the 3 loans that would be paid off. When Sallie Mae received the check they applied the money how they wanted to, and took the pay off check and applied it to all 4 of my loans. Simply ignoring the paper work that stated what loans were to be affected by the pay off. Sallie Mae applied the money how they wanted too in an effort to keep me as a customer with 4 loans and 4 separate interests rates to make more money off me rather then applying the money how it was directed to be applied which would have left me with 1 loan with and 1 interest rate. Sallie Mae took it upon themselves to apply the money as they wanted and when i spoke with them all the could offer was an apology. But my other concern is that when XXXX or any company at that chose to refinance a loan for pay off they always send extra money in the check to cover any interest accrued during that period of time. When it came time for Sallie Mae to refund the over payment that had no idea how much it was suppose to be for because they messed up on properly applying the money they received for the pay off of my loans. After taking the time to figure out the correct amount of money that i was owed from the over payment, Sallie Mae argued over the amount i said was owed to me. After speaking with about 5 different people at Sallie Mae i was giving a different amount of money that was owed every time i spoke with someone there. My account online read i was owed XXXX while Sallie Mae was only trying to pay back XXXX when i asked how my accountant reads this number and your telling me another amount they had no answer for it. When i brought to their attention that I was aware that they were under investigation for falsely applying customers payments they quickly agreed to send me the check for XXXX with no questions asked. But my problem is that i am actually owed more then XXXX, i am owed approximately 500 dollars more. After i received the check for XXXX i cant seem top get a phone call back or find anyone to speak with you can help me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO.
State: AL

Complaint narrative:
The lender has failed to respond to our QWR and Notice of error request sent on  XXXX / XXXX /   2017  and are proceeding to sale set for  XXXX / XXXX / 17  - the lender is in violation of regulatio n X-12 USC 2605 ( e ) ( 1 ) a nd the clients right to counsel.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
Santander went against their own policy in requiring that I obtain and pay for a home appraisal to remove PMI from my loan. Furthemore, they delayed the process for over a year causing me to have to pay for PMI during that time. In addition they refused to take my complaints and I was hung up on countless times by various people during this time. In the month of XXXX ( 2017 ) alone I had to place more than 50 calls just to get this service request fulfilled despite it being in our contract that they were obligated to do so. Despite numerous requests they could not produce any part of our contract which required that I pay for a home appraisal. I ultimately paid for the home appraisal just to have the PMI removed but only because they forced me to do so as it was not a contractual obligation and they would not otherwise. I last heard from Santander in early XX/XX/XXXX stating that they would refuse any further correspondence with me, including my requests for the contact information of their supervisors so that I may file a formal complaint. All of my calls and emails in the past month requesting that they process my complaints have been ignored.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SUNTRUST BANKS, INC.
State: VA

Complaint narrative:
The lender has failed to respond to our QWR and Notice of error request sent on   X/XX/17  and  are proceeding to sale set fo r   XXXX   - the lender  is in violation of regulation  X-12 USC 2605 ( e ) ( 1 ) and the clients right  to counsel.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Strategic Alliances, Inc.
State: CA

Complaint narrative:
First Financial Asset Management Inc, contacted my father on  XX/XX/XXXX  to attemp collection on a debt i no longer owe in  the amount of {$38000.00}. They discussed this information on the phone with my father about the debt which was illegal in the first place.  <P/> I had previously sent this company a letter by mail and email 3 years ago for them to cease any and all contact or communication being i do not owe this debt.  <P/> This debt was originally accrued in   XX/XX/XXXX .  It was completely pass the statutes of limitations.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Immediate Credit Recovery
State: WV

Complaint narrative:
I have been making payments on my husband 's rehab. I specifically told them not to call a certain phone number and months later not only did they call it they left a foti on it. Im not happy about this and as a former XXXX XXXX XXXX XXXX i am thinking about going further than this. ICR in XXXX is the company. I have the foto on voicemail.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-16 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: CITIBANK, N.A.
State: FL

Complaint narrative:
A credit card was opened up in my name using CBNA. I believe it is a store credit card through Best Buy. The card was opened on   XX/XX/XXXX .  I did not open this credit card and want it removed from my credit report and closed immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-16 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have tried to verify information for a collection account for a medical account that appears on my Experian credit report but have not received the information that i requested to verify this information.I sent a letter asking for information and pro of on  X/XX/2017  a nd received a response from Experian that they had verified. Then sent another letter to the collection agency for debt validation on  XXXX  which they received on  XXXX  .I  have not received a response from the collection agency to verify the debt.I then sent another letter to Experian on   XXXX   which they received on   XXXX   to remove this debt because I had not received a valid response from the collection agency Experian is  the only one  reporting this UNKOWN medical account and the only response they have given is a request that I provide the collection agency with the data that they do NOT have and were unable to verify. I would like this account removed as I have not received proof of this account as requested with communication with Experian. I also have letters and tracking numbers to when the letters were sent and when they were received. I look forward to having this resolved.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: MD

Complaint narrative:
My mortgage was sold fr om   XXXX   XXXX   ( which I 've never had any problems with ) to   Freedom Mortga ge.  XXXX  notified me of the service transfer on   XX/XX/XXXX ,   indicating that the payment switch will occur betwee n  X/XX/17  and   XXXX  . However, FM did not contact, notify, or inform me of how to pay  until  XX/XX/XXXX   - over two fu ll weeks after the service change.  <P/> I understand that no late payments can be charged within 60 days of the service transfer, but it is also my understanding that FM had the obligation to notify me of the transfer " no less than 15 days *before* the effective date of transfer ''.  <P/> I am concerned about having FM service my mortgage given their infamous customer service, accounting practices, lack of professional standards, etc..

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I have experience nothing but terrible customer service from bank of america. I was charged a  XXXX  overdraft fee for  XXXX . I withdrew funds from the ATM and did n't know :  1. They cha rge a fee for a  XXXX  negative balance.    2.  I have a savings account with over  XXXX  in it. I thought they would be able to pull the funds from my savings like they done transfers in the past.    3.  They so many confusing caveats to their website that a customer should get a  one day training just to fully utilize the online resources I called in to speak with two incom petent representatives about the fee. They tried to bait me into an argument by focusing on all the things I could have done. I did not do these things because the options were not made available. I explained to the  Manager   XXXX   th at I have a savings account that should transfer funds when theirs not enough in my checking.  XXXX  said that only applies to ACH transactions, however per the  Core Banking understanding document it states- " With Overdraft Protection, if you 're about to overdraw your account, we 'll automatically transfer available funds from   your linked savings, credit card or second eligible checking account. On ly 1 tran sfer fee charged per day. I have never had an overdraft fee before and I thought I could trust them, but if I have to deal with employees that are snide and trying to prove a point I can take my business back to  XXXX .  XXXX  makes it know that if it is a transaction about  XXXX  they will charge a fee. Bank of America does not make that fee schedule readily available. It is wrong to loan  XXXX  and get a  XXXX  return on that loan. That 's extortion. Please look at my bank history as well to see how they try to confuse customers and steal their money.

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 2017-06-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Bank of America 's has damaged my home, charged me for services that they did not perform ( mowing grass, removing debris, etc ... ) and added the costs of these services to my mortgage balance. When I contacted Bank of America they told me that they use a third par ty contractor (   XXXX   XXXX   ) a nd that they would fix the problems and that the charges would be credited to me. Nothing was done. Instead, Bank of America 's law firm    XXXX   XXXX   XXXX   XXXX   XXXX   sent m e a letter saying that Bank of America was not responsible. I have proof from that Bank of America or its contractors blatantly lied and that in fact   XXXX   XXXX    caused damage, never mowed my lawn and did not remove debris ; the Police department as well as the Code Enforcement board has records that prove that Bank of America is not truthful.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-16 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: CA

Complaint narrative:
There is a bankruptcy on my credit that I had initially started but I did n't finish going thru with it and it has shown on my credit for 3 years. I have disputed with all  XXXX  credit bureau with no change to my reports.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP
State: KY

Complaint narrative:
I use XXXX XXXX to access my paycheck earlier when I need to. However access to my current amount in my checking account is slow and can in some cases hinder my ability to get money when I need it. It would be best if access was instant so my current balance is always up to date.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-16 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: CA

Complaint narrative:
There is a bankruptcy on my credit that I had initially started but I did n't finish going thru with it and it has shown on my credit for 3 years. I have disputed with all  XXXX  credit bureau with no change to my reports.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-16 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: CA

Complaint narrative:
There is a bankruptcy on my credit that I had initially started but I did n't finish going thru with it and it has shown on my credit for 3 years. I have disputed with all  XXXX  credit bureau with no change to my reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Ballybunion Enterprises, Inc
State: CA

Complaint narrative:
XXXX   XXXX   XXXX   XXXX   XXXX , contacted my father on   XX/XX/XXXX  t o attemp collection on a debt i no longer owe in the amount of {$38000.00}. They discussed this information on the phone with my father about the debt which was illegal in the first place.  <P/> I had previously sent this company a letter by mail and email 3 years ago for them to cease any and all contact or communication being i do not owe this debt.  <P/> This debt was originally accrued in   XX/XX/XXXX .  It was completely pass the statutes of limitations.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-16 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
On experian report a company called  XXXX   XXXX   XXXX  put something on my report in error. I have resolved issue with   XXXX   XXXX   XXXX   they sent me letter saying they would have it removed. i also sent letter and dispute to experian and the results per Report Number :  XXXX  on  XXXX / XXXX / 2017  was that the information remains. This information should not be reporting and i did submit the documentation from   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 non-monetary relief
Consumer complaint received 2017-06-16 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
My complaint is about Venmo, the person-to-person money transfer service owned by PayPal.
<P/>
My son, who is  XXXX , wanted to sell a nice laptop computer. He found a buyer who agreed to buy it for {$2200.00} and said he would transfer the money to him on Venmo, which advertises that it goes straight from the payer 's bank account to the payee 's bank account. My son agreed to give him the computer after he had proof that the guy had sent the money.
<P/>
On   XXXX   XXXX  , 2017, the buyer sent the money through Venmo in {$85.00} increments ( see transaction record, in attached documents ). My son had his father meet the buyer and give him the computer.
<P/>
Soon after the {$2200.00} had been transferred, according to the record of transactions that Venmo showed my son, my son was asked to verify his identity. He gave his credentials, which included his age, which Venmo had never asked him before.
<P/>
The next day,   XXXX   XXXX  , my son checked his account at   XXXX    and found that no money had been added to it by Venmo. He also was told by Venmo that there was a problem with the transaction and that the money transfers would not take place.
<P/>
He contacted customer service at Venmo by phone, and a representative opened an investigation of his case.
<P/>
The following day,   XXXX   XXXX  , my son received an email from  XXXX  in customer service at Venmo informing him that he had violated the terms of the customer agreement, so he would receive no money and his account had been deactivated. A copy of that email is attached in the documentation below.
<P/>
As I am his sole legal guardian and he is a minor, I contacted Venmo myself by telephone, and they said they could not talk to me because I was not the person on the account and my son 's account was deactivated anyway.
<P/>
Venmo did not specify what terms of the customer agreement had been violated. The customer agreement, which I printed out, is 26 pages single-spaced. I noticed that it says you need to be 18 to use the service, so perhaps that was the violation.
<P/>
If so, Venmo did not verify up front that my son was 18. It is well known that minors use Venmo all the time, and my son 's friends are no exception. They had no idea you needed to be 18, they just thought you needed to have a bank account -- and had been using the service successfully.
<P/>
Venmo is preying on children and facilitating frauds. The " buyer '' was clearly a fraudster who knew well exactly how to play Venmo 's system, and Venmo let him get away with it. Venmo must be stopped, and my son and I must be made whole.

Company response to consumer: Closed with monetary relief