vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-04-07 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: U.S. BANCORP
State: OH

Complaint narrative:
We received a final lease assessment from US Bank for " excess wear and tear '' on the vehicle. I originally called the company on XX/XX/XXXX to appeal the assessment, as it was my view that the wear and tear met the definition " normal '' under the US Bank agreement. Several times I was hung up on. I was redirected to the voicemail of a supervisor who never return my calls. When I followed up with their end of lease department and asked to review the assessment with the supervisor, he agreed that of the original approximately {$800.00} in " excess wear '' charges, all but {$150.00} were unsupported to the photographic evidence and waived them. We continues to insist that the {$150.00} charge for scratches on the front bumper constitute excess wear, his contention being that the scratches referenced are greater than 4 '' in length. Unfortunately for US Bank, that is not the " excess wear '' policy we agree to when we signed our lease, and in fact, even their own end of term brochure describes excess wear as scratches that BREAK THE PAINT which are longer than 4 '' in length. The referenced scratches are surface scratches in the clearcoat that are easily buffed out ( which the US Bank guidance identifies as " normal wear ''. ) I am less concerned about my own situation than I am about what appears to be a systemic practice by US Bank to overcharge lease termination fees inconsistent with agreed legal contracts between the parties. As an informed consumer, I fully intend to have all inappropriate fees waived. I am concerned, though, that if I were not an informed consumer the bank would have taken advantage of my lack of knowledge to overcharge me nearly {$1000.00} in unsubstantiated lease termination fees which are inconsistent with the definitions of use agreed by BOTH parties at the commencement of the lease.

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 2016-06-27 00:00:00
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: Valarity, LLC
State: MO

Complaint narrative:
The account Valarity is holding has been satisfied. I do not owe this money. It was paid in full. {$63.00} to the original billing institution in XXXX.

Company response to consumer: Untimely response
Consumer complaint received 2017-04-07 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: WELLS FARGO & COMPANY
State: IA

Complaint narrative:
According to Wells Fargo, the amount of student loan interest I paid in XX/XX/XXXX was {$110.00}. I thought this amount was low, so I went back through my statements for XX/XX/XXXX and added up the interest paid. I came up with {$650.00}, and that does n't included payments made in XX/XX/XXXX, as Wells Fargo did not issue a statement until XX/XX/XXXX. I contacted Wells Fargo on XX/XX/XXXX regarding the discrepancy in interest paid. They stated the matter would be resolved in the next 24 to 48 hours and I would receive a phone call. That time has passed and I have not received a phone call and after logging into my account with them, the interest paid for XX/XX/XXXX is still reported as {$110.00}. Out of curiosity, I reviewed my statements for XX/XX/XXXX and manually calculated the interest paid. According to Wells Fargo the amount was {$230.00}. I calculated the amount to be {$810.00}. I ca n't help but wonder if my payments have been misapplied. Interest is income to the bank, but what they 're reporting to the government is far lower than what they 're collecting. I was a student at the XXXX, XXXX XXXX, Iowa, when I incurred this debt with Wells Fargo for the XX/XX/XXXX-XX/XX/XXXX school year.

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 2015-06-10 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Link Revenue Resources, LLC
State: IA

Complaint narrative:
First, this debt has been paid directly to the original creditor so this debt is invalid. Second, this company called me and my spouse using the number of an auto parts store in Minnesota. When answering, the lady was very rude, obscene and threatening.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-10 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Vantage Sourcing, LLC
State: CA

Complaint narrative:
This letter is to XXXX and the collection company trying to To collect on debt that I do n't owe. 
I suffered because of XXXX detected SIM card that I paid the bill and I changed my phone 3 times and I was never able to use the phone but yet they made me pay for the phone bill and they made me pay for the phone in full. Due to the lack of knowledge of the XXXX tech support my phone was diagnosed with having a problem the phone itself, not the SIM card. Also without my knowledge, my contract Was extended from a 1 year to 2-year contract without My knowledge and it was not close to me over the phone or in writing by XXXX representative. 
My phone bill was not sent to me in without my authorization it was switched over to paper list that causes me not to receive my paper bill and I did not know I had a bill due. Due to the SIM car defect, the phone was turning off if I was not plug in. My life was put in danger of not having access to a phone while on the road and I still pay the bill to XXXX without being able to use the phone. I spent over 20 hours with XXXX representative To resolve the issue but unfortunately, they were not able to help me being fully aware that all the mistakes were made by XXXX. 
Each representative told me a different story than the other representative and I got so tired of it that I paid {$370.00} for the phone and I was told by the representative that I owe no more and I am free to go. After I signed up with XXXX again I received a bill in the mail from XXXX claiming that I owe them money so I went ahead and filed a complaint against them with the Better Business Bureau which did n't resolve in anything. XXXX has put my life in danger they have collected from me over {$1000.00} and the fault was also their own and now they want money again. 
The choice is clear please close this account with a XXXX balance and send me a letter in the mail within the next 5 business days. If any page is reported to XXXX XXXX or XXXX by the collection agency or XXXX since this account is not valid I will not hesitate to file a lawsuit in include all the fees the hours of work and the hours I have spent with XXXX on the phone. 
I have all my bills including the one-year contract in the receipts for the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-01 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Loan modification,collection,foreclosure — 
Company: AMERICAN ADVISORS GROUP
State: MD

Complaint narrative:
I had {$20000.00} damage to my home last XX/XX/XXXX. It was winter and very cold. My doors and windows were covered with plywood so I withdrew my meager savings to begin repairs. Friends and family pitched in to help me with repairs and money. XXXX refuses to release my money until I produce " paid in full '' receipts from the contractors who gave me estimates but did n't actually do the work. They are holding a {$16000.00} insurance check. I understand that there is a process but how can I reimburse or pay anyone when I have no money? I 'm XXXX years old, all of my savings are gone and I live on my SS check. I 'm desperate. Please help.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-27 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: WAKEFIELD & ASSOCIATES, INC.
State: TN

Complaint narrative:
Inadvertantly found out through local court system that they are trying to issue a civil warrant for my husband and I. showing on court website that a civil warrant has been issued for us. it lists XXXX and the attorney who filed complaint against us. so I XXXX the attorney and call the number. they answer as Wakefield and Associates of XXXX tn. I give ss number as I have no account number and they tell me that im being taken to court over a medical bill from 2012 to XXXX XXXX. I ask why I had not been informed of debt, and lady tells me that they dont have to inform you of anything. they have never sent anything to me regarding the debt, not even a phone call. Just automatically sue for XXXX thats after theyve added fees and interest supposedly. How can this be legal. I called my medical isurance, they needed a form filled out, and would then pay the claim, but Wakefield and Associates says we still have to get sued. i dont even know the amount of debt owed to the original creditor.

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 2017-04-05 00:00:00
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: WAKEFIELD & ASSOCIATES, INC.
State: CO

Complaint narrative:
I was contacted by Wakefield & Associates to resolve a debt. I want to pay. We cameto an agreement to settle my file with XXXX. Payment was due XX/XX/2017. They did not disclose any addl fees added on until I called them to make my payment. The amount was XXXX. I was also told at one point their client was charging interest. Turns out Wakefield is adding interest. My bill in early XX/XX/2017 was around XXXX. We agreed to settle for XXXX. I called the origginal creditor for resolution. They spoke to Wakefield and now my balance is XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-31 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Portfolio Recovery Associates, LLC
State: NC

Complaint narrative:
onXXXX 2016 while apply for a new apartment my wife and I found out that we have a judgement that was entered on our credit report for the amount of XXXX for Portofolio recovery. we called them to knew more about the debt. they reffered us to their legal department that is base in North Carolina what is XXXX. we contacted them also to knew more about the debt, the loan. they tald me that the amount of debt was XXXX and we ask them for the original contract and they said, it has been requested and we will get all document supporting the jugment on our credit report, we wait 6 months we did not receive any supporting document just the bill the last couples of day I called them again and again .they seems not to give us a satisfactory responses that is why i am filing this complain

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-07 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Aspen National Financial, Inc.
State: NV

Complaint narrative:
I contacted Aspen National Collection about a collection account that appeared on my credit report on XX/XX/2017. I never validated the account but the agent was insistent on saying it was my account. He could n't give me the account number. The amount on my credit report ( he said ) was different than what he had, but he would n't give me that amount. This is for maintenance fees.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-03 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Billing dispute
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I received a letter from Citibank stating that I needed to go to www.citi.com/refundinquiry as I may have been overcharged for monitoring services during my 10 year tenor with the bank. When I went o the website there was no page. 
The letter stated the claim would need to be filed before XX/XX/XXXX 2017. I was provided a reference number to get started and that did not work.

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 2017-04-07 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
This is dating back XXXX when my home went to foreclosure since then I have attempted to modify my mortgage. Here we are in XXXX and still in this process I have exhausted all my options. Even though back in XXXX I was granted a trial modification that was approved and was instructed to pay for 3 months consecutively and my payments would become permanent. Well that did not happen, file bankruptcy based on counsel to see if modification would be approved and that did not happen. I would like to know do I have a legal right to pursue legal action and sue? Based on the financial institution accepting the assistance from the government/and violating DODD FRANK and HAMP PROGRAMS and not complying and actual assisting the consumers, because I am pretty sure I am not the only one in this situation. I spent thousands of dollars through this ordeal with attorneys where I could have been in a modification program to keep my home. In addition I accepted a short sale and to date two offers have been presented and bank has not responded. I am filing this complaint and will pursue them to the fullest,

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 2016-11-02 00:00:00
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: Solidus Group LLC.
State: TX

Complaint narrative:
Threatened of being taken to jail. 
I was embarrassed and scared and paid what they wanted me to pay. I did stop the auto draft and planned on working out a payment arrangement ; they were not willing to work with me. They sent to collections and almost a year later, I received a voicemail at work threatening legal action against me. The next day I called them back and they said a constable was coming out with a warrant for my arrest.

Company response to consumer: Untimely response
Consumer complaint received 2017-04-02 00:00:00
Product: Credit card — 
Issue: Application processing delay — 
Company: CITIBANK, N.A.
State: CO

Complaint narrative:
I have applied for a CITI simplicity card on XX/XX/2017 & it took 10 business days for CITI to pull the credit report and process further. Later they sent a letter stating they tried to contact me but they could n't reach out to me. I reality I never ever received any call from them. They asked for additional documentation like utility bill & Pay stubs in a letter that I received from them in the mid XX/XX/XXXX. When I contacted the customer care they said I can even email the additional documents to XXXX and I sent it on XX/XX/XXXX. On XX/XX/XXXX when I contacted again they said they do n't accept the documents thru email and they only have to be faxed and they have to pull the credit report again. Unnecessarily they pulled my credit report and gave all wrong information and never specified that the credit reports expire every 30days. On XX/XX/XXXX when i talked to the customer care representative supervisor he asked me to fax the documents and they will pull the credit report again which came as a shock to me. I do n't get what took them so long to process the application and then they provided all wrong information and now they are saying they will pull the credit report again.

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 2015-04-04 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Threatened to take legal action
Company: Westhill Financial
State: CA

Complaint narrative:
I was contacted by this company to pay a debt I have regarding a credit card, I asked to have them send me a bill in the u.s. mail, a couple weeks later I received another call from the supervisor stating there is a problem with processing my account, I called and asked again for them to send me a bill as I do not want to give my personal bank account information to them and would like to send a money order for debt owed in payments, the representative " XXXX '' got very upset and said I need to resolve the debt and make a payment arrangement now along with a payment, I continued to explain to " XXXX '' I would like to send a money order along with a bill they send to me, he became irate and recited my address and I confirmed he said he will give my information to the attorney/lawyer to take legal action against me and hung up on me. I emailed another representative explaining that I will be reporting the company for their unfair collection practices, he replied that a letter was mailed to me and would email me a copy, I still have not received a copy neither have I received anything from them in the U.S. mail. They have also contacted me at my place of employment after I explaine I can not receive phone calls during work.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-01 00:00:00
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: NAM National Arbitration and Mediation
State: LA

Complaint narrative:
A XXXX called from XXXX and threatened to serve me legal papers for court to my home or work. he stated to call ADR at XXXX. I have never heard or received any letter from ADR concerning a debt I owe.

Company response to consumer: Untimely response
Consumer complaint received 2017-01-29 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Pittenger Law Group, LLC.
State: KS

Complaint narrative:
I received a dunning letter from a law firm signed by an attorney. I sent a timely response disputing the alleged debt and demanding that he cease and desist from any further collection activities until he had validated the alleged debt. He sent me more dunning letters without proper validation. 
A partner in the law firm filed a state collection lawsuit against me. In court, the attorney is shifting the burden of proof onto myself, the defendant.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-01 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: I.C. System, Inc.
State: IL

Complaint narrative:
Open collection with ( I C SYSTEM ) a balance debts that is not mine. ( XXXX XXXX XXXX XXXX Never had a credit account with this creditor.

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 2017-03-30 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: FORD MOTOR CREDIT CO.
State: OR

Complaint narrative:
I HAVE HAD FMC SINCE XXXX -- - BOUGHT XXXX TRUCKS -- - AT THE END OF MY LAST LOAN ON MY XXXX - WAS PAYING IN ADVANCE - AND MORE $ $ PER MONTH TO HELP MY CREDIT FOR TWO YEARS SOLID -- I HAVE XXXX ID THEFT PROTECTION -THE FIRST THING I NOTICE WAS A LATE PAYMENT FOR XX/XX/XXXX -- I WAS PAYING OVER THE PHONE @ THAT TIME -- THE PHONE SYSTEM WAS EXPERIENCING TECH PROBLEMS -- SO I ALWAYS CALL THEM TO KEEP UP DATE -- AND I DID NOT TRUST THE PHONE PAYMENT LINE ANY MORE - BECAUSE I TRIED TO USE AGAIN -- TECH PROBLEMS AGAIN -- -SO WENT ON LINE -- -- KEPT MAKING PAYMENTS APPROX XXXX -- -OR MORE -- -WELL ON LINE SAYS IM LATE -- CALLED -- -ABOUT AFTER THE 5TH CALL AN AGENT SAID " O I SEE THEY WANT A FINAL PAY OFF FOR {$990.00} APPROX -- -- -SO HE WAS TO FAX ME A AGREEMENT TO CONTINUE THE REGULAR PAYMENTS AMOUNTS -- @ XXXX A PRIVET MAIL SERVICE -- -IT WAS BEFORE THANKSGIVING -- I WAITED -- WAITED -- NEVER FAX TO ME THE AGREEMENT -- SO CALLED AGAIN -- -THEN OVER A WEEK WENT BUY BECAUSE OF THE HOLIDAYS -- -- CALLED AND FOUND OUT THEY SENT IT IN XXXX -- I GOT BUT IT WAS TO LATE - THE DOC WAS TIME DATED!! -- THEN I LOOK ON MY CREDIT REPORT XX/XX/XXXX SHOWS A LEGAL ACTION -- THEN A LETTER TO FOLLOW TO REPO MY XXXX FOR {$390.00}! -- -- OF COURSE I PAID IT OFF -- BUT MY CREDIT WAS WRECK -- - AND MY SON WAS GETTING MARRIED AND WAS GOING TO GIVE HIM A CREDIT CARD FOR HIS HONEY MOON AND WAS TURNED DOWN -- -FOR THE FIRST TIME!! THEY DID THIS ON PURPOSE - BECAUSE THEY FIGURED A NEW TRUCK I WAS TO BUY AND IF THEY TRASH ME AT THE END I WOULD GET A MUCH HIGHER % RATE FROM FMC! -- -- THEY NEVER DO SHOW THE LOAN WAS PAID IN FULL ON MY CREDIT REPORT -- -ONLY THE CHARGE OFF!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-30 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC
State: IL

Complaint narrative:
XX/XX/XXXX To CFPB File chapter XXXX bankruptcy on XX/XX/XXXX. Repayment plan confirmed on XX/XX/XXXX. 
During confirmation, the lender, XXXX, was holding a junior lien on my residence. 
Plan confirmed that Junior Lien will be stripped off because the value of the real estate is much less than the amount owed by the first mortgage. 
Chapter XXXX discharge order was submitted on XX/XX/XXXX and sent to the lender. 
Recently, trying to refinance my first mortgage for better terms, the closing agency found a lien still open against my property from the lender in question. 
I am being calling the lender, many times, on the last 7 days, trying to work the issue out. 
They said I should ask the lawyer doing my case for some paperwork. Well, this case is close, about 3 years ago, The lawyer explained to me that the lien should be removed and the lender failed to do so, there are not any missing document and they do n't need to submit anything. The lawyer explained that the document they may be asking for has been dismissed by the judge for failure to state a claim that would allow him to grant relief, the judge made a regular practice of such dismissals, because he felt that adversaries were obviously not necessary to strip unsecured junior liens. 
I called back the lender and explained, and of course, they ask me to ask the lawyer for a motion, or something like that. Sorry, I am not a lawyer. 
I found myself into a loop where either my lawyer, because the case is closed, and the lender are failing to help me and solve the problem. 
I am seeing myself in the process of getting financially hurt due to refinance, for better terms, or sell a property been denial because a lien has not been released from this lender. 
Please help me to find a way out of this involuntary trap. 
Thanks,

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief