vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-03-27 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Kashia Services
State: MD

Complaint narrative:
On XX/XX/XXXX I received a payday loan for {$400.00}. Every week thereafter they took payments from my checking account. The initial payment of {$85.00} was taken on XX/XX/XXXX and each Friday after that they took {$60.00} until XX/XX/XXXX. The total that they received in all was {$450.00}. XX/XX/XXXX, I was notified by the company that they were unable to take their payment. I responded on XX/XX/XXXX by letting them know that I was currently unemployed and didn't not have any income at this time and that I would like them to stop attempting to take the funds from my checking account. I asked them to consider the loan settled because they had received {$450.00}, that payday loans are in fact prohibited in the State of Maryland and that there is an interest cap in Maryland of 2.75 %. I also asked them to stop any collections activities. Their representative XXXX XXXX ( XXXX ) replied stating that the automatic ACH has been stopped and that I have a balance of {$960.00}. She offered me a settlement of {$720.00} ( 75 % of my " total balance '' ). She also stated that I should make arrangements to pay the loan off If I didn't they would proceed with collections activities and that I would be responsible for any court fees assessed. I replied and stated that I would not be paying that amount and that I would be bringing this issue to the attention of the FTC and the Maryland Consumer Protection Bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-27 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: BANK OF NEW YORK MELLON CORPORATION, THE
State: DC

Complaint narrative:
XXXX is changing Health Savings Account ( HSA ) providers with limited notice from BenefitWallet ( Bank of New York Mellon ) to an account with " Further ''.

HSA holders are asked to sell any investments and transfer their funds as of XX/XX/XXXX or to pay a {$25.00} fee to transfer after XX/XX/XXXX. Account holders are also required to pay monthly fees to maintain a BenefitWallet account after XX/XX/XXXX.

The CFPB should prevent health plans from making unilateral changes to service providers with less than 1 month notice.

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 2018-03-27 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: OR

Complaint narrative:
XX/XX/XXXX received next monthly payment notice, which is common. However, because Specialized Loan Servicing doesn't want to understand, listen or even try to mitigate the problem regarding escrow account. On the monthly statement, they have included two billings for fees against the escrow account. 

XXXX XXXX XXXX ( XXXX ) transferred my mortgage loan to Specialized Loan Services ( SLS ). XXXX said they passed on all the paper work about the loan, including the paperwork showing the State of Oregon paid my property taxes. SLS said they didn't find the paperwork regarding the property taxes, which I suspect is a lie because they didn't look for it, and furthermore ignored the information relayed to them about Oregon paying the taxes. I talked twice to a gentleman about the issue, provided all the contact information for the Dept of Revenue on the tax issue, and they ignored this, too. They provided a notice that said the issue could be brought up to date if a payment of {$1000.00} was submitted. Again, it appears they have ignored all that has been said to them. The State of Oregon reviews the tax payment issue every two years, and this is that time again. Oregon has acknowledged receipt of the paperwork for re-certification for payment. The approval will not be issued prior to XX/XX/XXXX.  Once received, a copy can be forwarded to SLS, but I suspect they will feel entitled to fees. In the mean time, the Principle and Interest have been paid on my mortgage based on prior data. But SLS feels a penalty is due. They will NOT receive any such penalties, because a course of action has been provided, but they have thus far ignored everything. 

SLS isn't listening to me, and it appears my case is not original. This can be rectified, but on terms suitable to the situation, and not on terms where SLS charges a fee on almost everything they do. The money for escrow is available, or the State of Oregon can issue a payment schedule for the taxes due in XX/XX/XXXX. There was prior documentation that this was done in the past with XXXX XXXX, but SLS has chosen to ignore and disregard this procedure. Any and all explanations and data provided to SLS have been ignored, because I suspect their sole objective is to thrive on fees, to which they are NOT entitled. 

The underfunded escrow can be brought up to date. But it's all subject to government agencies providing paperwork or funds. The property taxes will be paid, it's a matter of timing, and this has been explained in detail to SLS. It's all fallen on deaf ears intentionally. NO FEES WILL BE PAID. PERIOD.

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 2018-03-27 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I visited chase on XX/XX/XXXX where I opened an checking as well as a saving account. gentlemen banker assisted me with a split counter deposit. all my receipts say deposit on the XX/XX/XXXX. Chase now claims that the deposit was done 2 days later on the XX/XX/XXXX. Chase also still hasn't explained to me how I had interest payments deposited into my account. and why I had Ann available balance of {$1000.00} XX/XX/XXXX and I was unauthorized to withdraw from my own account. I will post a scanned document that shows the interest deposit in my next complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
XX/XX/2016 I missed a payments. I had moved due to job relocation out of state. I contacted XXXX XXXX XXXX   XX/XX/XXXX and has yet to receive an email conformation back in regards to my situation. I have been a loyal customer for 9 years and never had any issues with Navy Fed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-27 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: SYNCHRONY FINANCIAL
State: IN

Complaint narrative:
Synchrony Bank for Lowes suddenly added security fees to my account. I never authorized this service. It is something you can sign up for through a lengthy process, which I never even attempted since the credit limit they gave me was fairly lowe when I opened it. They slowly raised my limit and then added this fee one day and I didnt notice until I was trying to figure out why my balance wasnt going down even though I was paying more than the mininum 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 2018-03-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Eagle Home Mortgage, LLC
State: GA

Complaint narrative:
I purchased a new construction home and utilized the builder 's preferred lender XXXX XXXX XXXX. The day before closing, I questioned the amount being escrowed for taxes as well as the amount due at closing for prepaid taxes. The company loan officer revised the estimate of annual taxes and the monthly amount escrowed based on the calculation provided by the builder 's closing attorney for new construction in XXXX County, Georgia. This revision resulted in a {$550.00} decrease in the estimated annual taxes and lowered the monthly payment by {$46.00}. However, 7 months of prepaid taxes were required at closing. 

On the CFPB website, it states that " Before your loan closes, the lender will estimate the total annual expenses that need to be paid from the escrow account. You can be required to pay a part of the estimated annual total in advance, but no more than a maximum of one-sixth of the total ( this gives you a two-month cushion ). On top of the cushion, every month, your servicer can require you to pay one-twelfth of the total annual escrow payments the servicer reasonably anticipates paying out of the escrow account. 

I escrow my taxes and insurance. I paid a full year of my homeowner 's insurance at closing and 7 months prepaid taxes. My insurance is {$570.00} annually. My taxes are {$4100.00}. The amount escrowed each month is {$390.00} or {$4700.00} annually which is the total of my taxes and insurance. 

The law limits lender 's to receiving no more than 1/6 or 2 months of a cushion for escrowed expenses. I paid an entire year of my homeowner 's insurance in advance and the lender collected 7 months of prepaid taxes at closing. The lender received a 12 month cushion for my insurance and a 7 month cushion for my taxes. The loan closed XX/XX/XXXX and taxes are not paid until XX/XX/XXXX. 

I have requested of the lender to return 5 months of my prepaid taxes, but they would not and stated that " this is how we closed all the loans with this builder ''.

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 2018-03-27 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FIRST AMERICAN FINANCIAL CORPORATION
State: UT

Complaint narrative:
My husband and I have received a tax notice from the XXXX County Office on XX/XX/XXXX. The notice advised us of the delinquent tax lien on the property in the amount of {$1100.00}. The notice advised that if we do not cure the delinquency by XX/XX/XXXX the property will be sent for a title search which will add {$350.00} to the amount already owed. The notice also states the property is marked to be on the XX/XX/XXXX XXXX County Tax Sale on XX/XX/XXXX. 
I have gone to the XXXX County office and discussed this matter with both the County Clerk and County Treasure. The clerk has advised me these delinquent taxes are due to taxes owed in XX/XX/XXXX ; however, my husband and I purchased the property in XX/XX/XXXX. 3 years later! The delinquent taxes are owed by the previous buyer. We advised both the clerk and the treasure of this matter. They have advised me the delinquent taxes should have shown up on the title report presented at closing, therefore my husband and I are responsible for these costs. We were advised the title was CLEAR by the title company at closing ; however, this seems to remain untrue. This is a clearly violation of our Title Insurance Policy!!!!! If you look under the Covered Risks in your insurance agreement it clearly states under section 8. Someone else has a lien on Your Title, including a : LIEN OF REAL ESTATE TAXES OR ASSESSMENTS IMPOSED ON YOUR TITLE BY A GOVERNMENT AUTHORITY THAT ARE DUE OR PAYABLE, BUT UNPAID. The city of XXXX has a tax lien on the property that we were unaware of! 
Please accept this as a formal claim. According to the documents we signed at closing we were promised and have the rights to a clear title. I do not know what the discrepancy is here whether it is with title company or the county but my husband and I do not and should not have to pay for these delinquent taxes. This is an urgent matter as we are about to be homeless by a discrepancy that we were unaware of. We demand some kind of legal action to take place. Please fix this matter as soon as possible. My husband and I are willing to provide you with whatever is necessary. We should not lose our house due to a mistake made by the county or title company. Thank you for taking the time to research this.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I went to XXXX on XX/XX/XXXX with my significant other, while staying there on XX/XX/XXXX I got a fraud alert from my chase credit card to which I responded and then contacted as advised via text. I spoke to an agent and quickly got the issue resolved ( which I appreciate greatly for there protection ). Two business days later I received my new card and continued my usual routine. On Wed XX/XX/XXXX my credit card gets declined w/o warning, I ask the clerk to try my card once again and it gets declined a second time. To my surprise I do not get a fraud alert or anything via text so I call. I speak to someone on the phone at about XXXX XX/XX/XXXX and he tells me that they decided to close my account but he had no information. I decide to call later that afternoon around XXXX and I get told that they are closing my accounts because " our affiliate is ending its banking relationship with you '' and nothing else that there is nothing that I can do and to wait for a letter. Today XX/XX/XXXX I get a letter dated XX/XX/XXXX stating nothing more than " our affiliate is ending its banking relationship with you '', so I call and speak to n account supervisor, she states that chase is closing my accounts because chase, chase bank, XXXX XXXX, or one of its affiliates has ended an account with me so that they are doing the same. I told the account manager that the only other account I've ever had with chase was the credit card that was closed a week earlier due to fraud, she stated that there is nothing more in the file and that they were ending our relationship ( end of conversation ). As a client for 17-18 months with a credit line of around 40,000 I am appalled to not get any reasonable explanation, I have excellent credit, always pay on time, and had just made a few payments earlier this month. I asked many a time if it might be a clerical error due to my other account being closed and they say they will not do anything in regards to my accounts. For a business with that high of a status and reputation I think it is negligent to brush off a loyal client off like that without trying to resolve the issue ( I even tried to get my mortgage with them but had offered me too high of an interest rate ).

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-27 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Synerprise Consulting Services, Inc.
State: TX

Complaint narrative:
During my XXXX I was insured by medicaid. I was under the impression that medicaid would cover all cost. When i called the collection agency they mentioned to me that this debt could have been from the XXXX/XXXX that was given to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have attempted to dispute an incorrect address that is listed on my credit report with Experian in writing and via telephone with customer service agent. Experian " verifies '' this address as correct and refuses to remove this incorrect information. I was the victim of fraud, as indicated by the fraud indicator on my credit report with Experian. I am aware that companies may report my address incorrectly and that there may be multiple individuals with the same or similar name as mine and incorrect information may be incorrectly added, but it is Experian 's responsibility to conduct a complete and accurate investigation and to ensure that only correct information is included on the report they provide. The address XXXX XXXX XXXX XXXX XXXX, CA XXXX is not mine and inaccurate and needs to be deleted from my credit report immediately to avert further fraudulent activities.

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 2018-03-27 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Santander Consumer USA Holdings Inc.
State: NY

Complaint narrative:
As a consumer in the American credit community, I feel singled out as a minority being abused by a national banking institution. The attached items showing Santander Consumer USA as a charge off is a deliberate attempt to make it impossible for me to obtain decent financing on anything in the near distant future. The loan in question can not be in a charge off status unless it is by mandate of Rule 5000 FDIC, that it has been in default for 180-days or more. This is the federal mandate, not mine. This loan was paid off by an insurance claim in XX/XX/XXXX,  along with a short fall payment from my personal checking account. Santander Consumer USA is maintaining a charge off with a balance even though the 180-day late timeline was never reached, and Santander Consumer USA never filed a default on record with any XXXX filing with the Securities & Exchange Commission. I am a member of the XXXX Community that came to America for a better chance at life. The rules should apply to Santander as much as they apply to me. There was never a charge off, and the loan is current. We would like to get this credit issue resolved so that we can trade in our vehicle and pay off Santander in full. In addition to this FDCPA claim. 
In addition, the vehicle loan was purchased by Santander Consumer USA from XXXX XXXX XXXX XXXX, but there is never a cut off date from the original lender on the assignment date or purchase of debt date. A recent Supreme Court case called XXXX XXXX XXXX   XXXX XXXX, XXXX may have ruled in favor of XXXX XXXX XXXX, XXXX as far as purchasing of debts bypassing FDCPA guidelines as a debt purchaser, XXXX   XXXX XXXX, XXXX had never given adequate notice that the debt was actually purchased from the original lender, and since that criteria was never established, the negative reporting against me was never legitimate. 
The payment history was cut off by at two years, whereas my payment history starting XX/XX/XXXX does not show late payments within the first two years of procurement. This was done to to re-age the payment history based upon the 7-year rule under FCRA. Across the board, both XXXX XXXX XXXX XXXX and XXXX XXXX XXXX, XXXX are in violation under FDCPA and FCRA. 

Now XXXX XXXX XXXX, XXXX has blemished my credit beyond the FDIC Rule 5000 sub-standard protocol. My position is solid for a federal lawsuit based upon a national bank violating my rights of proper disclosure and legal reporting requirements. 

The credit items must be deleted by both XXXX XXXX XXXX, XXXX and XXXX   XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: AZ

Complaint narrative:
Essentially I dont have the funds available for room and board and I essentially borro0wed enough to deal with this issue and nothing is being done about it in fact i feel my civil rights have been obscured.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-27 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Patient Accounting Service Center
State: AZ

Complaint narrative:
On XX/XX/XXXX I checked myself into XXXX XXXX XXXX XXXX Regional Medical Center in XXXX, AZ for emergency room care. They treated me, took down my insurance, and discharged me. About 90 days later I received a bill for {$550.00}, despite the fact they were in network with my XXXX medical insurance and I only owed them {$150.00} for a co-pay. I have had my insurance call them and their billing on 3 occasions, each time they said a supervisor would review the account, get it updated, and meanwhile my account would be put on hold to avoid collections. They refused to update it after each of these times even though my Explanation of Benefits/EOB shows they agreed to the {$150.00} co-pay charge. After that, I called them about 10 times ( with witnesses ) and was told recently on their recorded line that an Explanation of Benefits form I sent to them back in XX/XX/XXXX was received and successfully reviewed to update my bill, they also said I would receive a new statement ( for {$100.00} as I paid them {$50.00} in good faith ) and have approximately 15 days to pay. I received a bill on XX/XX/XXXX still for {$500.00} and had a due date of XX/XX/XXXX. Despite this, they sent me to collections on XX/XX/XXXX with a sister company of theirs ( XXXX - they sent me a formal notice ). Representatives for XXXX XXXX refuse to put a supervisor on the line, the supervisors do not call me back after I am promised they will, and just tonight I was hung up on completely by a representative who did not wish to help me. I contacted XXXX who gave me the same run around with sending in the same EOB form. I am very concerned and afraid these people are just going to report this incorrect amount and ruin my perfect credit. They are behaving like incompassionate, rude, thugs who just want to get an extra {$400.00} out of me for no reason or else they'll destroy my credit. The documents prove what I owe.

Company response to consumer: Closed with explanation