vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-06-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Chase Mortgage sent inspectors to intrude into my property unannounced and make harassment calls. They are also charging me fees for this process. The mortgage payments are up to date, I requested Chase to stop this type of harassment as it 's not warranted. I have been a long term customer with them and have several accounts. This is not acceptable and not a fair treatment of the customers in good standing but with financial difficulties due to loss of income.     This is what they stated : Date :  XXXX   XXXX  From : Home Finance Support Subject :  XXXX  : Payment Inquiry Message :  XXXX  Hello   XXXX   : After reviewing your email, I can certainly understand your wanting to get this taken care of in a timely manner.   My name is  XXXX  and I am happy to assist with your escalated request regarding the recent inspection fees that were applied to your account.      XXXX , whenever a loan is  XXXX  calendar days or more past due, a property inspection is completed to determine whether the property is vacant or damaged. We charge a {$14.00} property inspection fee and we send are  XXXX  party vendor  XXXX   XXXX   XXXX   XXXX  to inspect the property.     Unfortunately, the inspections are permitted by your Security Agreement and the Department of  XXXX   Housing and Development   (  HUD ) guidelines. Since your  XXXX    XXXX   payment was received until  XXXX   XXXX ,   XXXX  , we ordered an inspection of the home to ensure the home was n't vacant or damaged.     We apologize for any inconvenience this temporary problem has caused and are committed to delivering the best service possible.     Sincerely,  Chase  Escalations and Support Services ( ESS )  XXXX   XXXX  TTY/Text Telephone www.chase.com

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-06-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: LA

Complaint narrative:
I have a mortgage with Wells Fargo and wellsfargo told my insurance company that I did not live at XXXX XXXX XXXX and XXXX XXXX  cancel my insurance and went I call wellsfargo I was told the people come out to see if any one live in the home .like I told wellsfargo I was on the phone with u all with the man came out and I told him what are u doing here and the man told me I 'm here now so u call them this is how I get paid and wellsfargo claim they was going to call XXXX XXXX  and they never did so I had to get insurance with XXXX XXXX I been with XXXX XXXX for 14 year and I real like XXXX XXXX wellsfargo is so racism prejudice so now I have insurance I such not have .so that not all then wellsfargo came up with they did not get my payment so I send them the copy of the cancel check and them they told I old we found the paymeant wellsfargo do the most and I no a lot of people having trouble with wellsfargo. Wellsfargo wait for XXXX XXXX to get there home mortgage down to low and them they start said we did not get your payment I have at least 6 people who live on my block that have been having trouble with wellsfargo three of the are XXXX and wellsfargo did not harass these people like they are doing the XXXX XXXX XXXX do not have a job or no income and he is behind at least 3year with his mortgage and he is not in foreclosure they are trying to work out something with him so he wo n't loose his home.he show us the paper work and all we can said is wo .XXXX XXXX is all so XXXX and he is behind on is mortgage XXXX is about 13month XXXX XXXX is XXXX and is man is about XXXX and wellsfargo told him they have not been received is mortgage and went is sister send them copy that he paid they are still said he is behind wellsfargo need to be stop this is an old man I no XXXX XXXX because my Father and XXXX XXXX retired to gather and they keep in touch this is really sad for this mortgage company wellsfargo is doing this to XXXX people something need to be do n't to wellsfargo

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 2017-06-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY

Complaint narrative:
I sent a rent check to my landlord on  XXXX   XXXX ,  2016  and in  XXXX  the landlord told me they never received the check ( #  XXXX  amount {$1300.00} ) so I immediately went t o HSBC (   XXXX   XXXX ,  XXXX , NY  XXXX  ) and got a copy of the check, the check was fraudulently endorsed and cashed. I then filled out an Affidavit to start the investigation to be reimbursed. I went back to  HSBC after  a couple weeks and was told the check ( #  XXXX   ) h ad been cashed at a   XXXX   XXXX    XXXX  and they were waiting to get the funds from them. I have called and returned to the bank several times and I am still waiting on this investigation. I have not been reimbursed!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-07 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: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
XXXX 's client XXXX XXXX is an identity theft victim. An account was opened with SYNC Bank/TJ Maxx with his information without his consent X/XX/2017 and a balance of {$1200.00} was established shortly after the account was opened. A formal dispute of this account was mailed, certified return receipt to SYNCB/TJ Maxx X/XX/2017 and was received and signed for. SYNCB never replied to our client concerning the status of the dispute ans as of today a credit report from XXXX shows the fraudulent account with the balance associated is still being reported. A second dispute of this account was sent to SYNCB/TJ Maxx. This is a clear violation of the FCRA and XXXX XXXX 's federal consumer rights.

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 2017-06-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
My credit report is listing incorrect information. I do not owe  XXXX   XXXX , I have contacted them and they verified that I do not have an outstanding balance with them. I have also submitted disputes with   XXXX   and Transunion and they failed to update and/or remove this inaccurate information from my report.

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 2017-06-07 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: CITIBANK, N.A.
State: MI

Complaint narrative:
Called Macy 's after I had been getting a call that the caller ID said was " XXXX XXXX XXXX. '' The most recent one was this morning ( X/X/17 ). Did not pick up phone because of recent scams. Researched online, and many others surmised this was a scam because their account had a XXXX balance. Since I have also not used my card, I was not concerned, but decided to call Macy 's directly. If nothing else, I could inform them of this scam. This call was just before XXXX. I called the phone number on the back of my card ( XXXX ) It was not working. I therefore called the nearest Macy 's, and they gave me a phone number to call regarding my credit card ( XXXX ). I had not used my Macy 's account for months, and have not received a statement. I was shocked to learn that I had a {$1700.00} balance on my account. When I said these charges were fraudulent, the representative suggested that I purchase insurance for a figure of over {$1000.00}. I then called XXXX, who routed my call to Consumer Protection ( XXXX ). After speaking with the gentleman there, I again called Macy 's. I spoke to someone named XXXX XXXX, and told her that my card had been fraudulently used, and that I would like it to be reported as stolen or cancelled so that no more charges were made. She tried to connect me to a phone number ( XXXX ) to report the charges. After a few attempts, she told me that nobody was available, and that I should attempt to call them myself.

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 2017-06-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
Citibank switched over the credit card numbers from an old number to a new number due to security issues with their system. During this transition online payments were not possible. I called in to make a payment and was told that they could not accept a payment but when the card number transition was complete I could do so. But then Citibank  Charged  a late fee.

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 2017-06-07 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: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
I paid for car repairs in the amount of {$2000.00} at XXXX XXXX XXXX XXXX XXXX with my Capital OneCredit Card. I found out they simply painted over a dent when they charged me to fix the dent ( the total repairs were {$7000.00} for a XXXX XXXX XXXX accident ). XXXX XXXX gave me a warranty with the repairs. I told them they charged me for a unibody pull and they did n't perform one, they simply painted over the dent in the right rocker panel. They refused to honor the warranty. I called Capital One and gave them all the documents they requested. Their foreign merchant dispute personnel did n't tell me what they needed, but I provided all required documentation and a merchant second opinion along with a second estimate for re-doing the repairs that XXXX failed to do. Capital one REFUSED to submit my documentation to MasterCard and would not extend the timeframe to dispute due to their own horrible foreign non-XXXX speaking customer service people who messed up the chargeback dispute due to their incompetence. I want to invoke my rights under the Fair Credit Billing Act - I will not pay the {$980.00} I am disputing nor will I pay interest on that amount. I want that {$980.00} removed from my credit card bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-07 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collection Bureau of Fort Walton Beach, Inc
State: TN

Complaint narrative:
I AM BEING CHARGED FOR MEDICAL EXPENSES THAT WAS COVERED THROUGH  XXXX . I HAVE CALLED AND TRIED TO RESOLVE THIS MATTER WITH THE COLLECTION AGENGY AND THEY CONTINUE TO REPORT THIS INACCURATE INFORMATION TO THE CREDIT BUREAUS. COLLECTION BUR  FT WALTON CL AIMS THAT I OWE {$710.00} AND ALL OF MY MEDICAL EXPENSES WERE BEING COVERED BY  XXXX . MY  XXXX  COVERAGE PERIOD WAS   XX/XX/XXXX  THRU- XX/XX/XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-07 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I had my  XXXX   XXXX  accunt setup for auto pay using a credit card. I had my service for a number of year and recently switched to a different provider.  XXXX   XXXX  charge my credit card for early termination but I had not cancelled early at all. I disputed the charge but the credit card company has taken the side of the merchant and will not remove the charge from my account. I had provided  XXXX   XXXX  with a copy of the agreement bewteen myself and  XXXX   XXXX  that specifically shows that I was no longer under contract and should not have bee charges early terminatoon fees.     Apparently the credit card company does not protect the consumer it protect the merchant. I will never use autop pay again because of loss of control over my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: GA

Complaint narrative:
My mortgage company continues to increase the interest rate on my loan and I can not it afford as I am on a fixed income

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-07 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: BBVA FINANCIAL CORPORATION
State: CA

Complaint narrative:
To Summarize, I refinanced XXXX XXXX XXXX XXXX CA XXXX with the same bank BBVA Compass The loan officers promised me that they had a way to lower my APR by splitting my Jumbo loan of XXXX XXXX@5.25 into two loans I was promised verbally repeatedly and consistently that both loans will be fixed and money will go towards interest and principal I had good relations with loan officer so I signed the paperwork, only to realize that HELOC was interest only and tied to some Govt interest Rate I was truly misled and made the mistake of signing documents with their verbal reassurance BBVA Compass XXXX XXXX Financial Sales Advisor - XXXX XXXX XXXX  XXXX XXXX XXXX. XXXX, CA XXXX Desk XXXX Branch XXXX  ext XXXX NMLS # XXXX All I have been pleading is I want to pay off my loan and as verbally promised repeatedly that both loans would be fixed rates I either want my original loan back or please convert HELOC to a fixed rate loan These are unfair practices used by banks and mislead consumers Please help and advise, I am willing to work with them to achieve a resolution, they have put through months and months of harassment and underwriting and denied helping Best XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
Just recently I discovered that " credit Card '' for approximately was being deducted from my account. I call the Webster Bank to stop payment and block this account.
This month they took {$180.00} + out of my account, which should not have been done.
I called the Webster Bank and questioned why they let them withdraw since there was a blocked account. I was told that they used a different account number so they paid it. To make matters worse, they told me they would have to investigate this and I would have to wait about 10 days for this dispute to be settled.
I am XXXX years old and widowed on a fixed income. I have some bills to pay and do not have enough money to pay my debtors.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-06-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
My name is  XXXX   XXXX  of  XXXX   XXXX   XXXX   XXXX , NJ  XXXX , we bought our home in  XXXX   XXXX  and the home needed extensive work which we did to make it our home. I am a   XXXX   XXXX   XXXX   and my Husband is a  XXXX   XXXX , we dont make a lot of money but we always paid our bills on time and prided ourselves on our perfect credit scores. It was around  XXXX  when we were having difficulty with money and struggled each month to pay our mortgage but we paid even if it was a little late until  XXXX  when I made a partial payment, they sent back my partial payment. I had called Bank of America many times and asked for help but they told me that because I was not delinquent on my mortgage that they could not help me, they then said not to pay my mortgage so that I can get help and receive a modification. I didnt know what to do at the time and I tried to borrow money but I had no luck with that, as it turns out I went into defaul on my loan. At the beginning I was receiving phone calls but I didnt speak with anyone out of embarrassment for my situation and then when I finally spoke with someone I had told them that I was receivng a commission check in  XXXX  and that I could pay most of what I owed and again asked for a little help but that never happened, I was told that I can make a payment and then be considered for a program but then they inforrmed me that my payment of almost {$8000.00} was not enough. I then started to work with a few reps at the bank which were less than nice and understanding until finally they gave me someone who cares. I was finally going to get a modification on my loan, after waiting for several months and hoping that I could get a modification they denied me last week. They had told me to go for a short sale, I dont want to sell my home, I want to pay and keep my home. I am also trying to get help from the State of NJ who has a few programs that I will be considered for. I am so fed up with Bank of America, all I wanted was some help to get me through some hard times but they dont care about the consumer. I thought that when they told me DO NOT PAY YOUR MORTGAGE so that you can get a modification I believed them. M y Husband and I are going through a very hard time mentally try to absorb what is happenig to us and we need  some help.

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 2017-06-07 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: CITIBANK, N.A.
State: FL

Complaint narrative:
Checked   XXXX   XXXX   and there is a hard inquiry fr om Cbna ( R etail, Not Elsewhere Classified ) on    XXXX   XXXX   XXXX  .  I never authorized a credit check for anybody in the past 2 years. it is showing up on my   XXXX   report

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 2017-06-07 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: TX

Complaint narrative:
i dont remember when this happened but it was back in XXXX i have id theft also but when i did get this loan out i had lost my job 5 days later and i had not been able to pay today XX/XX/XXXX they called my mom which is going through some problems becasue my father had an accident and told her that they were calling from the county and that i had a warrent for my arrest because of this loan my mom was very scared because of the arrest and the worry of my fathers health i need help i cant do this at the moment i bearly started working again and i am a single mom of XXXX  and they dont want to help me to pay them back

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONSTAR MORTGAGE LLC
State: CA

Complaint narrative:
In XXXX my ex-husband and I purchased a town-home, in XXXX we divorced and I was awarded the home in our divorce settlement. The original loan processor was Aurora which was bought out by Nationstar in XXXX. I acquired a loan modification in XXXX on the property which my ex husband did not sign and I was told that he would be removed from the loan MANY times by Aurora and Nationstar. He is no longer on the deed but he is still on title/note. I asked Nationstar if my loan was assumable ( trying to remove my ex-husbands name since they did not do what they said ) but they said no which is not true due to the Garn-St German Depository Institutions Act of 1982, this act allows non-assumable loans to become assumable in certain situations such as divorce. I can not afford to refinance and Nationstar is not working with me on my assumption request.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-07 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Unexpected or other fees — 
Company: JPMORGAN CHASE & CO.
State: OR

Complaint narrative:
I received a check that was deposited for {$200.00} and that was added to my account on  XXXX   XXXX . Yesterday,  XXXX   XXXX , Chase Bank returned the deposit and charged me an unexpected {$12.00} for their deposit return.  <P/> Today,  XXXX   XXXX , I calle  d Chase and asked them what happened. The representative explained that the items in question were indeed a returned deposit and fee. They said that Chase accepted the check, deposited the amount, and then did their research. They then said they returned the deposit due to insufficient funds in the other account. Ultimately, the representative said I needed to talk to the other person involved and find out why this happened.
<P/>
The other person in question is my wife. She is a joint holder with Chase but also h  as a  XXXX    XXXX   account. She wrote a check on  XXXX   XXXX  to essentially transfer {$200.00} from her account to o  ur Chase account. Her check cleared, it seems, almost instantly since the Chase account received the deposit. Yet three days later her deposit was returned and I ( along with her technically ) got hit with a {$12.00} fee that was n't my fault.
<P/>
I hope this is cleared up and hopefully things will be good. Our Chase a  ccount is  XXXX  and some change because of this situation. I hope at least the {$12.00} is reversed as that fee is absolutely ridiculous. Even though the other person is my wife, I feel like it 's not right for the check recipient to be penalized for something out of their control. If the other person was n't my wife, and was rather someone I knew not tied to my account, I feel this would be even more egregious.

Company response to consumer: Closed with monetary relief