vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-10-21 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc.
State: NY

Complaint narrative:
The New York auto dealer who sold my car to me subsequently sold the Retail Installment Contract to Santander. The RIC was initiated in XXXX New York and is subject to New York State law ; it did not specify any terms relating to convenience fees for payment. Upon making my first payment, I noticed that Santander was forcing me to pay a convenience fee of {$10.00} per payment to pay by credit card as opposed to mailing my payment in to them. Convenience fees for paying via credit card are illegal in XXXX New York XXXX No seller in any sales transaction may impose a surcharge on a holder who elects to use a credit card in lieu of payment by cash, check, or similar means. 
Any seller who violates the provisions of this section shall be guilty of a misdemeanor punishable by a fine not to exceed {$500.00} or a term of imprisonment up to one year, or both. 

The bank can not allege that the ban on convenience fees does not apply to them because they 're not based in New York. I originated my retail installment contract with a New York auto dealer subject to the laws of New York ; the sale of the contract, which has no clause regarding convenience fees or fees for making payments to an out-of-state lender can not exempt the lender from New York 's requirements concerning convenience fees. 

I made XXXX payments for which I was charged this convenience fee, totaling {$180.00} in damages. I demand that Santander pay back the {$180.00} in full as this is an illegal convenience fee. I also request that the CFPB look into this practice to prevent them from subjecting other consumers to these illegal convenience fees for making payments. 

Additionally, I paid off my loan in full over two weeks ago, but have received no correspondence from Santander indicating that this has taken place, nor have I received any documentation regarding the release of my lien. I request that process be put into motion if it has not already. 

Finally, the loan was overpaid by {$39.00}, and I have received no refund for this amount or correspondence in regards to it.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-10 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Shopping for a loan or lease — 
Company: Santander Consumer USA Holdings Inc.
State: NC

Complaint narrative:
hello Last XX/XX/2016, i let the car XXXX XX/XX/XXXX in the salesman XXXX and i film a video making the deliver to him in XXXX XXXX Dealer within three weeks of having the car because he were demanding a down payment of {$500.00} dollars not agreed in the contract signed on XX/XX/2016 Today I received the Santander financial account for {$350.00}, Santander do n't ask for any down payment, the XXXX payment for a car that I returned to the Sale XXXX in XXXX, XXXX , NC XXXX, 19 days ago and that they premeditatedly and in bad faith have not informed the Santander financial institution that I do not have the car and have not returned the loan money to them. 
I asked to inform Santander that I had returned the car to XXXX in XXXX on XX/XX/2016. I do not want that car precisely because they were asking me for a down payment of {$500.00} off the contract and they can not force me to do something that we did not agree on the contract and that I do not want to do. Before 30 days I returned the car, before the term granted to me by law

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-29 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
HARDSHIP LETTER : XXXX XXXX, 2015 '' Helping Homeowners Is What We Do! '' Says Ocwen. 
How is Owen helping me by giving me a debt of {$1000000.00} on a home that Ocwen appraises at {$260000.00} when the market value is less than {$200000.00} and making me pay {$3100.00} per month on a home that would, at auction/short sale only realize {$150000.00}? 
In my hardship letter dated XXXX XXXX, 2015 I provided you documentation that showed the original loan was predicated on a fraud perpetrated by the broker and " HIS '' appraiser. 
Ocwen 's mortgage is 4 times more than Ocwen 's appraisalOcwen 's Loan Modificationis based on a loan debt to Ocwen in the amount of : {$1000000.00} Ocwen 's appraisal for the value of the property is : {$260000.00} XXXX XXXX appraisalXXXX {$220000.00} Auction/Short Sale ( per XXXX XXXX ) XXXX $ XXXXI now refer to your letter dated : XXXX XXXX, 2015 in which you responded : Please note that Ocwen was not involved with the origination of the loan and therefore Ocwen or this Office would be unable to comment on matters related to origination.. 
I quite agree that Ocwen is NOT responsible for what happened on the original fraudulent and unethical loan. Ocwen has a wonderful motto : Helping Homeowners Is What We Do! '' How can Ocwen be helping me by making me pay {$3100.00} per month on a home that Ocwnen 's own appraisal says is worth only {$260000.00}?? 
But Ocwen is NOT helping me by perpetrating and enabling the origination of the fraud to continue. If Ocwen really wanted to help, Ocwen could mitigate this " ongoing " fraud in consideration of the true value of the home which is less than {$200000.00}. 
Ocwen states in Paragraph XXXX line # XXXX : " the market or appraised value of a property does not have any bearing on the terms of a modification, '' Do you not realize that you are setting up your investors for a major loss? I can absolutely assure you and your investors that the appraised/market value will have a great deal of bearing when and if the property goes to auction / short sale. 
Professionals in the real estate business ( XXXX XXXX ) advise me that " no sophisticated buyer '' will pay more than {$150000.00} for this property ; I have provided you documentation in my previous communications in support of this. 
I am offering to take on a new loan modification based on a realistic property value of {$200000.00} and/or an arrangement to stay in the property for $ XXXX {$1500.00} per month. 
Sincerely, XXXX XXXX XXXX XXXX, 2015

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-21 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: NJ

Complaint narrative:
I received a letter from Ocwen stating that home equity line was maturing and I would be able to make payments to pay this off. ( this is standard with many institutions ). But upon maturing I was told that the full loan amount was due in full. I tried to refinance with Ocwen, but they told me they do n't do the refinancing and referred me to XXXX for help. XXXX took about three weeks to contact me back. After submitting all the needed paperwork I was told they could n't help me. I then tried to apply for a loan modification or Mortgage assistance through Ocwen, again after submitting all the paperwork they requested I was told someone would contact me in 3 weeks. When I finally talked to someone I was told that the loan has matured already and they could not do anything for me. I was told I would receive another call in 4 weeks. I thought they were going to try and figure something out for me, but when they did call I was asked if I had the money yet. I asked why are you taking so long with the communication and did not receive any answers to that and scheduled me at another 4 week wait for a phone call from my relationship manager. 
All the meantime of there postponing any type of help they were reporting delinquent payment to the credit agencies and adding interest to the balance. I was trying to apply for another loan from banks, etc. but no one could help me because of these bad marks on my credit. In the meantime i had sent XXXX payments to Ocwen but they were returned to me. I feel Ocwen was purposely delaying any assistance to me so they can report negative actions on my report. This would inevitably cause me to not be able to repay the loan and finally they can foreclose on my property. It seems that Ocwen wants to foreclose on properties so they can make more money on the backside of the sale. I should have been given time from my first contact with them to arrange payments without being reported delinquent. After all it was Ocwen that was taking there sweet old time not myself. I had to hurry and collect all the savings, retirement money I had, borrowed from family ( which is embarrassing in it 's own self ), also I had to take advances from some credit cards to finally scrape up enough money to pay the loan off. I 'm sure i am not the only one they tried to push out of their homes and they should be held accountable for it

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-17 00:00:00
Product: Credit card — 
Issue: Other — 
Company: U.S. BANCORP
State: TX

Complaint narrative:
Received attached letter from Elan. Letter states the credit is a " Provisional Credit '' that is permanent. The definition of provisional is " arranged or existing for the present, possibly to be changed later. '' So, is this a permanent credit or a credit that can possibly be changed later?????

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 2017-01-22 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
I registered as a stufent at XXXX college. I was unhappy with the school and decided I wanted to withdraw. I approached the office and ask what the procedure would be and they told me I needed to see a staff member by the name of XXXX XXXX. I proceeded to do so and filled out all the appropriate paperwork. I was told I would not be charged since I only took XXXX class. Apparently XXXX XXXX was let go the following day after my withdrawal and did not complete my withdrawal so they proceeded to not only leave me registered they also signed me up for other semesters and charged me. I approached the school and they acknowleged their error but the principle XXXX said there was nothing they could do even though they clearly acknowledged they Made the mistake. They also tried to accuse me of taking courses and being in attendance which was an utter lie and they made the mistake of saying i attended a class during a time where i had proof I was not even in the State the entire month. I was basically told sorry and too bad your stuck with the debt so pay it or have bad credit. I have a family and I want to buy a home. I did not take these courses and followed all the right actions. This has truly hindered my credit rating and ability to purchase a home. I feel helpless and like I have no one to protect my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-18 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Commonwealth Financial Systems, Inc.
State: CA

Complaint narrative:
I received a notice from my credit monitoring service that Commonwealth Financial has added a derogatory ( collections ) account on my credit profile with XXXX. I have never heard of this company, never received any collections notice nor notice of right to dispute as required by federal ( FCRA ) and California ( CCRAA ) law.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
In the last 5 years, I have been employed as a XXXX, paying my student loans very regularly. Prior to that when in between jobs, finishing up a XXXX Degree and beginning my adventures in paying student loan debt, I was unfortunately misguided and put trust in a company called Navient, formerly known as XXXX. Essentially, I was steered into forbearance as I was only given XXXX options : pay the unaffordable amount they had requested or go into forbearance until I could make enough money for monthly payments as high as they had requested. This was before any program related to gradual repayment planning was offered. During this time, I did take on the forbearance option as I had no other choice, and I was n't exactly well-informed of the accrued capitalized interest that I was signing up for. 
Later when I was able to enter in a program with a steady job, I was eventually enrolled into a gradual repayment program, which put 75 % of the money I thought was going towards student loans into the interest. Meanwhile my student loan debt/interest accrued. When I inquired about any alternative programming ( income-based payments for example ) this past XX/XX/XXXX when my loan increased immensely again, they told me I had XXXX options : Forbearance ( which was suggested ), continue in my very costly ( but beneficial for Navient ) plan, or pay what I now owed, which was almost double the cost of my student loan payments. I did n't qualify for the income-based repayment plan. After reviewing the numbers with my father, we found that my loans have almost doubled since I have been making payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-23 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ERC
State: FL

Complaint narrative:
An invalid debt was sold from XXXX collection company to another and I am again being harassed and my credit score negatively affected due collection attempts from this company. In XXXX XXXX, I contacted you because XXXX in XXXX Florida continued to send me letters stating I owed a debt to XXXX XXXX XXXX in the amount of {$300.00} but they would not respond to my letters and they had failed and refused to provide any documentation of a valid debt. With your assistance, this negative mark was removed from all XXXX credit reporting companies and I did not receive any further correspondence. However on XXXX XXXX, XXXX, I received notification from my credit monitoring service that a collection account, reported by Enhanced Recovery Company also located in XXXX Florida, was placed on all XXXX credit reporting sites for XXXX XXXX XXXX in the very same amount as XXXX had back in XXXX. This company made no effort to contact me by mail or phone to confirm or deny the validity of this debt, but instead just placed it on my credit reports and marking this account as open as of XXXX XXXX. When I was dealing with XXXX, they claimed this amount was for wireless phone services with XXXX XXXX XXXX when in fact at that time I was with a different company, and I did not have any contract in force with XXXX XXXX XXXX at the time of the supposed debt. I had also at that time contacted XXXX XXXX XXXX who stated they were not aware of this debt and could not find any records of it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2017-02-12 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I was on a XXXX flight when the flight attendants offered an incentive program to sign up for a XXXX Master Card to receive XXXX FREE ROUNDTRIP TICKETS by redeeming XXXX FREE points upon acceptance. 

When I tried to redeem my " FREE '' tickets, I found that it was more expensive to get them with free points than buying directly at retail price ( difference was {$35.00} more after added {$100.00} redemption fee and other extras that cost more than when buying a full price ticket ). 

When I called to complain they told me free tx had to be redeemed 6 months in advance and I should call Bank of America because they were not responsible Bank of America directed me to XXXX and said they were not responsible

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 2017-03-07 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: LD Holdings Group, LLC
State: DC

Complaint narrative:
Hi I was contacted by a loan officer at Loan Depot named XXXX and he's a XXXX.  He tried very hard to get me into a 10 ARM even though I said that was not what I wanted.  When I pressed him that I wanted a 30-year fixed he said "great news, I can put you in a 30 year fixed that's "only" $XXXX more than the payment you have on your loan with 27 years left.  And I wasn't taking money out!  The closing cost was XXXX but great news he'll knock XXXX off and roll it into the loan!  So he wanted me to pay $XXXX/month higher and do so for 3 extra years.  He called me again today.  That's how I got his name.  He's scum.  Mr. XXXX (XXXX) email address is XXXX.   I'm obviously not going to do business with him or his company.  I just want people to know that this guy sounds like a XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-11 00:00:00
Product: Student loan — Non-federal student loan
Issue: Getting a loan — Can't qualify for a loan
Company: Genesis Lending
State: CA

Complaint narrative:
I was a XXXX at a XXXX college in XXXX XXXX XXXX named XXXX. I attended XXXX to try and better my education and grow as a professionalI .I called the XXXX ad scheduled an appointment with a rep who I thought was a counselor. Later I found out that these reps get commission for every student they enroll and once we XXXX .which is why they are a predatory school. I advised the rep that I did not finish XXXX and that I wanted to further my career. The rep referred me to a XXXX that was XXXX and a fraud .I completed about XXXX test in XXXX hours and they forwarded my transcripts directly to XXXX stating I now had a XXXX. I then Attended XXXX for 2 long years and XXXX the XXXX program they offer. Once I tried to apply for a job in the XXXX XXXX field such as XXXX, XXXX probation, i was advised that in order to get credit for my XXXX degree and XXXX must be from an XXXX College, which XXXX is not.The degree from XXXX is pretty much useless, no regular college recognizes the credits and no criminal justice job will accept it. So I feel defrauded I wasted 2 years of my life and now I have a big student loan debt.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-16 00:00:00
Product: Credit card — 
Issue: Credit determination — 
Company: JPMORGAN CHASE & CO.
State: MN

Complaint narrative:
Defamation of Character, False Credit Reporting - I have been trying to resolve this with the Chase customer service team with no luck and very poor/rude customer service from one particular representative XXXX XXXX. He was not helpful in anyway and one of the most rude representatives I have ever interacted with in my life, why he is working for Chase is beyond me. If he worked for my company he would be fired. Every other representative was helpful and understanding. I have had a great experience with Chase until now and had XXXX credit cards with you for which I was forced to close all of them yesterday because they would not resolve removing a 30 day late off my credit reports that is reported incorrectly on my credit bureaus. I opened a XXXX credit card, made one purchase and never received any physical statements. They agreed at the time with the mistake and credited the account late fee. They then put a 30 day late on my credit reports. I have tried to get them to remove this and they refuse. This was not my fault because I never received any notification by Chase. I finally setup electronic statements and then received them. I have done everything I can to resolve this with them with no luck. I just want the 30 day late removed from my credit reports. If I was responsible and it was my fault I would take responsibility but this was Chases fault. Now because of this mark on my credit this could be considered defamation of character since I was not the responsible party that caused this. As I stated before by past record never showed any late payments on any of my accounts and because of their behavior I closed all my accounts with Chase. They are very difficult but this is just wrong. Individuals should not be blamed for mistakes that Chase makes. Have them check all my accounts through them and not one ever had a late payment. Why would I have one late payment when my credit through them has been perfect. Why would they credit the late fee if they were wrong? Why is Chase so corrupt and open to ruin peoples credit? This pertains to account number ending in XXXX. Thank youI am reporting this to every agency I can to take action. Many have been notified in the last day XXXX, FTC, Consumer Finance.gov, Fair Credit Reporting Act, etc. This needs to be removed from my credit ... ... ... 



I will contact all of executive management of Chase with regard to this. 



XXXX XXXX XXXX XXXX XXXX, MN XXXXXXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-04 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
Re : Chase Visa XXXX, BA Executive Club XXXXDear people : I have a Visa card, referenced above, issued by Chase, that awards British Airways points for spending. The statement generates on the XX/XX/XXXX of each month and normally the points are posted by British Airways by around the XX/XX/XXXX of the month. This month, the XXXX XXXX statement points already have posted and today is only XXXX XXXX. 

However, the XX/XX/XXXX points ( Visa statement attached ) never posted. 

When I call British Airways, they tell me to talk to Chase. When I talk to Chase, they tell me to talk to British Airways. It seems that somewhere in the bank, my points are stuck in some sort of limbo and I am feeling like a tennis ball going back and forth between the XXXX of them. 

Can you convince Chase to make certain these points are sent to British Airways for me?

Company response to consumer: Closed with non-monetary relief