vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-09-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Ive been a customer with Chase for a couple years. I have always been in good standing with Chase. A couple months ago, I unfortunately was a victim of a scam. The scammers had me deposit a check for around {$1500.00}. I realized it was a scam before I did anything else. I called the Chase Fraud Department and talked to them about my situation. I asked them to stop the faulty check. The fraud representative told me to wait until the check bounces and I should be fine. He told me I wouldnt be charged any fees or anything else. On XX/XX/XXXX I received a school loan check of {$6700.00}. I currently attend Arizona XXXX University. They told me it wouldnt go through until XX/XX/XXXX. On XX/XX/XXXX, which is today, I went to grab lunch at my local cafe and my card got declined. I called Chase and they told me my account got restricted and closed. They didnt want to me why it got closed over the phone. I spoke to a supervisor who told me the same thing and she said I shouldve got a notice yesterday. And to add to my confusion XX/XX/XXXX was XXXX XXXX and we dont get mail on XXXX XXXX so I checked the mail and there was no notice so I did not receive a proper notice at all prior to the closure of my account. I had {$260.00} in my account and now I wont have access to my funds in weeks. I called back to see what my options are to get my money as soon as possible ( the supervisor did not want give me any options to do so ) and the representative told me I could verify the check I got from school so they could release the funds to me in cash ( first representative told me I would have to wait for the check back in the mail ). 

Im assuming they closed my account because I had a fraudulent check bounce on my account 2 months ago. I was told I would be fine and I wouldnt be penalized but I feel like it was unfair for them to close my account and not give me any notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TD BANK US HOLDING COMPANY
State: TX

Complaint narrative:
I received a letter from Date : XX/XX/XXXX Re : Dispute and validation request XXXX Ref # XXXX XXXX Customer : TD Bank XXXX/XXXX Credit card Original Client Acc # XXXX XXXX XXXX XXXX, XXXX, Doing business As, XXXX XXXX XXXX XXXX / XXXX, FL XXXX This company sent me a lot of statement from XX/XX/XXXX to XX/XX/XXXX relating to credit card debt because last three month i receive a notice of collection that I owe XXXX credit card the sum of {$300.00}, I reply that I did not know this debt and need debt details, now they sent me about 10 statements from XX/XX/XXXX to XX/XX/XXXX beginning with transaction {$50.00} on XXXX + accumulation original debt + interest + penalty monthly up to amount of {$300.00} in XXXX. After reading information from news paper said that XXXX  is hacked and leaking many thousands customer 's identities ( in XXXX ) I do not use XXXX  credit card. 

So far, I did not receive any statement notification by email or by mail of Target since XX/XX/XXXX. I think my identity was leaked by XXXX  and other guy can use it to apply for XXXX credit card and use it under my name. 

Why XXXX  or TD Bank do not sent monthly notice or statement by email or by letter as other entity issuing Credit card like XXXX, XXXX XXXX, or Banks? Why they hiding the statement? what for? why they intentionally hiding them until the accumulation amount up to {$300.00} from the beginning amount only {$50.00}?? 

If they sent statement to me monthly, I should have paid in full the first statement dated XX/XX/XXXX {$50.00}!! They must have responsibility to leak identity of customer and did not info customer this problem! in XXXX i must close all my bank account and freeze my SSN to prevent from identity thief. 

This is not a fair business to hide statement for a long time to collect accumulated penalty and interest, they did harmful consequences by leaking customer 's identity!! 

I need help from CFPB to resolve this problem asap. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-05 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: NV

Complaint narrative:
I am looking for help with our housing situation. Ive been a customer of Ocwen Financial Corporation for over 10 years, in those years Ive applied for mortgage modification and have been denied many times. I have an adjustable rate mortgage that is currently 6.5 %. Since XXXX, I have been upside down in my home value. I didnt walk away, Ive held on and I have tried to do the right thing. My mortgage has doubled and continues to increase. I cant get Ocwen to do the right thing and modify my loan to a standard home loan. In XXXX Ocwen accepted approx {$50000.00} from the Hardest Hit Fund and they continue to want more. I am now at risk of foreclosure as my mortgage  continues to increase. 

In XXXX, we went from a dual to single house home income after my wife became sick. Ive used my savings and now tapped into my 401k. I can no longer risk and spend my retirement to save a home from a company that doesnt make an attempt to make things right. 

I can send more information including the total income they have received from me in over 10+ years. I look forward to hearing from you and can get into more detail. 

Thank you for taking our case.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: NATIONS RELIABLE LENDING LLC
State: TX

Complaint narrative:
The closing was delayed twice. The builder threatened to sell the home to another buyer if the lender didn't close soon. The builder has refused to ever work with the lender again. I called, emailed, text messaged the lender many times and rarely had my correspondence returned. I felt that I was kept in the dark throughout most of the process. I did not know what type of loan they were qualifying me for or what I needed to have for closing costs until the day XXXX signed the closing paperwork. It should have been a happy time closing on our first home, however it was stressful and we signed the paperwork under extreme duress. We were moving from out of state and needed a place to stay. We also did not want to risk the builder selling the home to someone else. I had other lenders tell me that they would qualify me for a conventional loan, and this lender did as well. On the day that I signed the paperwork, I found out that it was an FHA loan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-05 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: GVA Holdings, LLC
State: OH

Complaint narrative:
I contacted the company today regarding the loan. I have been paying XXXX twice a month since XX/XX/XXXX. I attempted to log on to my account to check the balance and review my contract. I am aware of the high interest rate of the loan but felt I had payed too much for the loan. When I tried to logon to my account access was denied. I emailed the company regarding this matter today and was advised I owed 2 more payments due on XX/XX/XXXX. One for a missed payment which I was unaware of any missed payments. I was told account information was not available at this time online. I was advised by email when I opened the account that I would have access at all times to this information. I requested a copy of my contract today Im the email and no response was given to this request. If they can not provide me a copy of my contract or interest I have been charged then how can this be a legal contract. I realize part is my fault for being desperate and dumb at the time. I printed a copy of the contact at the time but have moved since then and had misplaced it. They identify themselves on their website as a tribal lender in Montana. I am not sure exactly how much the loan was for again at the time I was desperate. I feel that withholding documents is not legal and I should be reimbursed the interest I have paid them at the very least. Now I am not even sure this was a legal lender.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I and my family are ready to purchase a home. As I've gone through the accounts and collections displayed on my credit I've noticed unusual activity and an ample amount of accounts that do not belong to me. Please Remove these items from my account ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-05 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: OR

Complaint narrative:
A XXXX XXXX account ( # XXXX ) was fraudulently created by someone in my name on XX/XX/XXXX, and an amount of {$1900.00} was charged. The account was closed by XXXX after going to collections, and was discovered by me when running my Experian credit report on-line on XX/XX/XXXX. Additionally, my XXXX band debit card was hacked on XX/XX/XXXX and charges were attempted on it from XX/XX/XXXX through XX/XX/XXXX, totaling {$420.00}. The charges were reversed to my account by XXXX XXXX after we discovered the fraudulent attempts. 

Since then, I filed a police report with my local police department, and XXXX has sent me a confirmation e-mail absolving me of any responsibility of the fraudulently created account or financial responsibility ( See attached documents XXXX. 

Despite providing Experian with all of this documentation proving my innocence and being a victim of identity fraud, they have refused to remove the XXXX account from my credit report. I have attempted two disputes with them, but they still refuse to remove the fraudulent XXXX account.

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 2018-09-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Mercedes Benz Financial Services
State: CA

Complaint narrative:
XXXX has been non-compliant with removing the unverified account MERCEDES-BENZ FINANC which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that MERCEDES-BENZ FINANC was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to  confirm each account is unverified.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Caliber Home Loans, Inc.
State: CA

Complaint narrative:
I applied for a home mortgage end of XX/XX/2018, beginning of XX/XX/2018 and was pre-qualified. I found a home to purchase and entered into a contract XX/XX/18. Caliber Home loans was handling the financing loan for this new purchase. They requested the usual documentation such as the most recent XXXX 's for the past two years, most recent 30 day paystub from employer, last two months of bank account statement, etc. etc. Every document requested was provided to the company. I was selling my property in order to finance a conventional loan with 20 % down and this was disclosed from the beginning of application to loan officer. We were expected to close the same day on both properties, that is my old home and new purchase on XX/XX/18. My property being sold closed but I could not close on the new property being purchased due to the underwriter delaying funding of my loan. She kept on requesting documents at the very last minute, some of which had already been provided to the loan officer, and she kept on questioning information on my application that was clear and evident from documents that I provided to them. She would take 48hrs to review one piece of document and would then request more therefore delaying the close of my escrow on the new purchase even more and causing me to incur extra financial charges by delaying the move to the new property as I had to rent back my old property. She delayed the close of my Escrow on new property by almost a week and this caused a financial hardship for me and my family not to mention a severe amount of physical, emotional and mental stress that caused me to suffer physically by XXXX XXXX XXXX   supply as a XXXX XXXX which affected my 6 month old baby. I felt like I was being discriminated against for being a single XXXX XXXX XXXX of XXXX. She requested the child support order that was not even consider in the application as a mean of income for repaying the loan. Even at the time of signing my documents with the notary she wanted me to provide another statement from my retirement account even though the most recent had already been provided. It was the most stressful and horrible experience of my life as I was almost forced to move out of my old property without having a new place to move into and no preparation as she delayed the entire process and I felt like I was being evicted out of my old home and had no certainty as to when I would close and receive the keys to my new home. I have never had such an experience with a home mortgage and I have refinance several times. I would never finance again from Caliber nor would I ever recommend to my family, friend, co-workers or the public in general.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-05 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: Santander Consumer USA Holdings Inc.
State: TN

Complaint narrative:
I have been with Santander over 4 years and never made a late payment. I spoke with agent on XX/XX/XXXX and notified them that I had been laid off job and was wanting to make payment the following week on XX/XX/XXXX to prevent from being late and was told that it would be fine and not reported to credit bureaus. I made payment as promised four days early on XX/XX/XXXX but a delinquency of 30 days is showing with XXXX. Neither XXXX  nor XXXX show a delinquency or late payments on my credit report. I have asked Santander to correct issue because I am in needing to buy a house within next 6 months but have failed to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-05 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC
State: CA

Complaint narrative:
Hello Sir, Mam! I will be so much thankful if you can help me to solve this problem with XXXX XXXX. Starting on XX/XX/XXXX ; I started inform them that if there is any changing in copayment for my medication not to send it anymore, but they ignore my messages and on XXXX they sent me a medication with higher copayments, and directly even not opened it I delivered it back to them. So they still asking me to pay the credit of {$120.00}, below you can see my messages to them : 1 ) XX/XX/XXXX Good Morning Please be informed that if there is any changing in co-payment so I dont need it So dont send any medication without my approval Regards XXXX XXXX 2 )  Hello customer service Please be informed that the medication sent to me on XX/XX/XXXX  ( XXXX XXXX XXXX ) was sent back as unopened to the sender in XXXX XXXX in IL I receive it So please cancel the co-payment of a {$120.00} Thank you Respectfully XXXX, XXXX 3 ) Good Day Please be informed that I refused to receive the medication which was sent by your dealer and it was delivered back to them directly so I am not going to pay for a medication that I didn't receive it Appreciate your business Thank you Respectfully XXXX XXXX JXX/XX/XXXX 4 ) Good Day customer service First of all I would like to thank you for your good service, then, concerning the amount of XXXX that I have to pay for none received medication. If you want me to do so send me again the medication XXXX XXXX XXXX. 90 Tab then I am ready to pay that amount PS. Please notice how many times I contacted the customer service asking them not to send the medication if there are any changes in co-payments. But they Ignore my messages and they sent it. Directly I sent it back not opened as I received it So please find a solution to this case Warm regards XXXX XXXX XX/XX/XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Disputed inaccurate bankruptcy information and Experian refused to dispute information through contacting the court house. I would like this inaccurate information deleted. 
Thanks

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 2018-09-05 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: HYUNDAI CAPITAL AMERICA
State: CA

Complaint narrative:
On XX/XX/XXXX, I timely returned a leased vehicle to the XXXX Dealership in XXXX, CA ( " Car Pros '' ). The vehicle was XXXX miles UNDER the contractual maximum. An onsite inspection was performed at the direction of XXXX XXXX [ last name omitted ] during which they took the vehicle into their repair/maintenance section for approximately 30 minutes. Mr. [ last name omitted ] returned to me with a " Vehicle Return Receipt, '' which lists the mileage and date of return. We both signed it. He verbally stated the vehicle looks fine, and that they were going to ship it off " for auction. '' As the car was XXXX miles under the allowance, and there were no defects, damage, or noticeable wear given the low mileage, there was no discussion at all about " excessive wear and use. '' In any event, the car DID NOT have " excessive wear or use. '' On XX/XX/XXXX, I received a letter from XXXX XXXX XXXX, which has offices in CA and TX, which states " This is an attempt to collect a debt, '' demanding {$480.00} for excessive wear and use. XXXX offered no accounting or evidence of the alleged " excessive '' wear or use. And, as XXXX has had the vehicle in their possession for several weeks, I now have no means to inspect the vehicle myself. 

I find the practice of accepting a vehicle return, doing an inspection at the dealership, providing the return receipt with no mention of a further inspection or evaluation, and then sending a bill for {$480.00} for " excessive use '' to be extremely unfair and vulnerable to fraud and abuse. The consumer is completely at the mercy of the anonymous and unchecked leasing company, which obviously has an interest in charging fees. I am predicting there are other consumers who have encountered this problem. 

I called the XXXX # on the debt collection letter XXXX same as above ), and entered the last four digits of my SS # as requested, and then a recording says " this is an attempt to collect a debt and any information you provide will be used ... '' Eventually a recording told me to call back. I have not yet called back that XXXX # number.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I have had on several occasions noticed accounts appearing on my credit file over the last 5 years and many times contacted the creditors as well as the Credit reporting Agencies involved in these erroneous posting. I was told that someone with a similar name accounts had merged with my own file and over time this was corrected.Recently, I checked my credit with the credit bureaus as I am about to purchase a home and open escrow in a week, but now I find I can not proceed with this real estate transaction due to accounts which I've never opened has appeared as though they were mines.These fraudulent accounts should never had appeared on my file as they are fraudulent and misleading about my credit worthiness.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: TD BANK US HOLDING COMPANY
State: OK

Complaint narrative:
I was charged a total of {$80.00} on my XXXX credit card for what they said are cash advances. I have never used my card to receive a cash advance. I paid for items through XXXX XXXX and they claim that I used my account to take a cash advance and was therefore subject to a cash advance fee. I have used other credit cards via XXXX XXXX   and have never been charged a cash advance fee.This is no different than paying for items through XXXX XXXX or XXXX, but they consider XXXX XXXX a cash transfer service and am subject to the fee. I can understand being charged a fee if I truly used my XXXX credit card to withdraw money from my credit card, but I did not. I have filed a dispute with them, but I received a letter back declining the dispute. I was charged on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, twice on XX/XX/XXXX and the last one on XX/XX/XXXX. Each of these times, I was charged a {$10.00} cash advance fee. I was unaware of these charges, until I received my statement in the mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-05 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Asset Management Outsourcing, Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX is continuing to report 8 accounts onto my credit file that does not belong to me. I am a victim of identity theft and the accounts are a direct result of identity theft. I have never had any obligation or any contract that binds me to owe XXXX XXXX XXXX or any company that it represents. I have never received any communication from XXXX that informs me of these accounts that would have given me my right to dispute the validity of each account. 
XXXX in the amount of {$1300.00} XXXX in the amount of {$1700.00} XXXX in the amount of {$1700.00} XXXX in the amount of {$1300.00} XXXX in the amount of {$2000.00} XXXX in the amount of {$2000.00} XXXX in the amount of {$1400.00} XXXX XXXX XXXX in the amount of {$1600.00}

Company response to consumer: Closed with explanation