vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-07-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PLAZA HOME MORTGAGE, INC.
State: NY

Complaint narrative:
We refinanced in XX/XX/XXXX and Plaza was the new bank. The first payment, due XX/XX/XXXX,
was in the amount of {$5000.00}. This amount- including taxes and insurance and based on an interest rate influenced our decision to refinance with Plaza. My XX/XX/XXXX statement, which is attached, notes the same amount. However, when I went online to make the XX/XX/XXXX payment, the amount due was shown as {$100.00} more. When I called Plaza, I was told that it was because of a shortage in the escrow account. They claimed to not know when the taxes were due and how much.
This is not acceptable to me and reeks of predatory lending practice by enticing a customer into a loan and then changing the terms ( bait and switch ) and it is illegal. A mere five months ago, Plaza obtained a title report showing the taxes on my house- school and town. The tax page of that report is attached as well and shows the town tax of {$6800.00} paid for XX/XX/XXXX ( the school tax is divided into two payments of {$6300.00} each, due in XXXX and XXXX ). In XX/XX/XXXX, I had received the attached notice from my town stating that Plaza had not paid my taxes. I had to call twice because the first rep blamed it on the title company. At closing, the title company had collected ( and paid ) my school tax due in XX/XX/XXXX. Because the three tax payment amount are similar, your rep was easily confused. Taxes in New York are higher than other parts of the country. I hope Plaza paid the interest that my town imposed, as I should not be responsible. If a lender insists on paying taxes and insurance and escrowing for same, they should have the decency to note the due dates and avoid penalties. Still- Plaza knew this amount was due and calculated its payment and escrow from the title report. The tax amount has not increased! It had actually decreased by approximately {$6.00} even with the penalty- to {$6800.00} from the title report amount. Therefore, I am puzzled as to why Plaza would feel it appropriate to increase my payment amount. I have sent them a letter and called to follow up ( 20 minutes on the phone ) to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-25 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: M.A.R.S., Inc.
State: KS

Complaint narrative:
On X/XX/17 I received a letter and a call from MARS Inc. stating I owed {$1400.00} to XXXX XXXX XXXX. According to MARS Inc. they collect on accounts for XXXX XXXX XXXX and this amount was due for amounts owed from moving out of an apartment I rented from XXXX XXXX XXXX. I disputed this amount through letters and several communications. MARS Inc. then started reporting this amount to the Credit Bureau 's. On XXXX/XXXX/XXXX I sent a very detailed letter to XXXX XXXX and XXXX XXXX XXXX explaining why I did not owe this debt and in fact XXXX XXXX owed me money, they did not respond and continued reporting this amount to the credit bureau 's. Due to this I filed a small claims action on X/XX/17. I won the small claims action on X/XX/17 and was awarded {$570.00} plus interest. A few days later MARS Inc. called me and they knew about the judgment against XXXX XXXX XXXX but informed me I still owed {$880.00}. I sent a copy of the Petition I filed and the Journal Entry of Judgment to MARS Inc and they are still reporting that I owe {$880.00} to all the Credit Bureau 's to this day.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: MD

Complaint narrative:
From XX/XX/XXXX-XX/XX/XXXXI contacted Navient to inform them that the monthly payment was entirely to high for me to pay, each year they suggested that I apply for forbearance. After I exhausted the forberance, they told me to consolidate my loan in order to apply for forberance again. Now my student loans are enormously higher and I still ca n't pay anything but the interest so now I 'll be paying this loan for the next 50 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-25 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: EQUIFAX, INC.
State: LA

Complaint narrative:
I recently filed a complaint about Equifax having fraudulent credit inquiries on my report. I was told to contact them in regards to this. Well, I called this evening and talked with XXXX from Equifax in regards to the fraudulent inquiries on my report. She told me to talk to the fraud department and she did n't even notice that my birthday was n't correct after I verified it with her. So I 'm transferred to the fraud department and the rep there does n't do anything to help at all. I have fraudulent inquiries on my report and these people wo n't show me how they proved that I did this nor will they help me in getting these things resolved. I also attached my drivers license which has my correct birthdate instead of the incorrect one in their system

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-25 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: EQUIFAX, INC.
State: GA

Complaint narrative:
Your negligence has caused me harm, since it has affected my ability to obtain new credit. Since you have not provided me with any documentation, I am under the impression that you can not verify these accounts. Therefore you must comply with the provision 15USC section 168i ( a ) of the FCRA and remove the disputed items form my credit reports immediately. If I do not receive a revised credit report, with the items removed at my current address, I will pursue my legal rights with an attorney under 15 USC section 1681n or 1681o " Civil liability for willful noncompliance ''. Your company may be liable for : actual damage I sustained by your failure to delete items, punitive damages as the court allows, and cost of the court action plus attorney 's fees. Since XXXX of 2016, I have been sending certified letters regarding XXXX XXXX via the credit bureaus asking for validation and verification of several accounts that were listed on my credit report. I asked for copies of the applications with my signature proving these were my accounts. I always received a letter from XXXX XXXX asking for clarity of my dispute, I could n't be any clearer, I want proof these are my accounts. If you can not provide a signed contract/agreement between myself and XXXX XXXX, then you must delete the accounts from my credit report. This is what I stated in my letters : Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. The credit bureau continues to send updates stating the accounts are " verified '' and have neglected to provide any documentation and are in constant violation of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-26 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH

Complaint narrative:
I received a notification from my employer that my wages were being garnered. The debt was purchased off another collection agency and I was not made aware or served with paperwork before this was garnished. This debt is also over 12 years old and the case it is being brought up on states it is a closed case on the court website. Not only that in Ohio it states that if no funds were paid in 10 years that the debt is void, which this is as the case is from 2005. I was served no paperwork and this should not be legal. XXXX XXXX XXXX c/o XXXX XXXX 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 explanation
Consumer complaint received 2017-07-26 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: CA

Complaint narrative:
On XX/XX/XXXX, I sent a certified letter to Experian to dispute incorrect information on my credit reported. After the first 30 days, I received an updated credit report that stated the account was investigated, however there were not any changes. Then after receiving no official documents to verify the debt listed, I sent a second certified letter on XXXX XXXX, 2017. On XX/XX/XXXX, I received an updated credit report stating the debts will not be reinvestigated. This company is breaking the law by not providing the information being requested. They didnot provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA as they are required too. I have attached confirmation of receipt of letters.

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 2017-07-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CL Holdings LLC
State: FL

Complaint narrative:
Creditor Jefferson Capital System placed on my credit report a fraudulent report that I opened an account in XXXX of 2017 when I have NEVER opened and account with them. They are abusing their rights as Creditors

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-26 00:00:00
Product: Debt collection — Private student loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CITIBANK, N.A.
State: CT

Complaint narrative:
Dear XXXX XXXX XXXX ( Citibank/The Student Loan Corporation ) You illegal tactics involving private student loans XX/XX/XXXX-XX/XX/XXXX is being investigated. Today the CFPB and congress has struck down the binding arbitration rules. I will file a criminal complaint against you, you have been going into my credit files and selling my information to debt collectors. You need to re-validate and check the payment history on the student loan. These loans where securitized, and have been written off at some point in time. You have no claim and authority to proceed with collection activity. The original note has been paid.

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 2017-07-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
NOT A DUPLICATE I do not have a signed contract nor any contract with Portfolio Recovery Associates. I have never done business with this company. I am not liable for collection from this debt from XXXX XXXX XXXX. I am not responsible for this debt with Portfolio Recovery Associates.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-26 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
On XX/XX/XXXX representing BANK OF AMERICA, XXXX XXXX XXXX XXXX, sued me in state court for an alleged credit card account that I have never seen before. The debt was disputed from the beginning. Neither Bank of America XXXX XXXX XXXX XXXX XXXX could not validate and verified the debt. In court they filed an affidavit that was prepared and signed on XXXX XXXX, XXXX. The affidavit calls me a " defendant '' 1 year and 3 months before I was sued. This type of affidavit ( bogus ) was penalized by the OCC. Bank of America and FIA Card Services paid XXXX XXXX after a Consent Order XXXX and XXXX dated XX/XX/XXXX. According to this Consent Order, BoA has violated few months later by doing exactly the same thing they promised not to repeat. The plaintiff has not filed any contract or terms and conditions with the case.

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 2017-07-26 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
I called Navient on or around XX/XX/XXXX and spoke to a gentleman in the private student loan department about lowering my monthly payment because it has been a financial struggle for me to pay almost {$800.00} a month in student loan payments ( which is half of what my mortgage is for my house! ) I explained the situation to the person on the phone who proceeded to tell me that I may be eligible to lower the payment if I extend the repayment terms out to lower my payment. Upon checking, he said my loans were not eligible for this but had no explanation as to why they were not eligible. So I asked him what should I do if there comes a time where I ca n't make payments at all? Im supposed to let my loans go into default? I asked him what other people do who can not make payments and he said that they basically have to let their loan default and ruin their credit. How is this fair to people who want to actually pay their loan, but are just asking for affordable payments? It 's absolutely absurd and I think they should have better repayment options for private student loan holders.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: SUNTRUST BANKS, INC.
State: TN

Complaint narrative:
around the month of XXXX 2017 me and my wife had let a friend stay with us which had fallen on hard times. during this time while we were at work he got on are computer and ordered things using are pay pal account are user named and password were stored in are computer which gave him easy access to are information. i alerted suntrust bank when we learned of these transactions and opened a dispute with them. a provisional credit was issued to us for the claim. this provisional credit became permanent. at the same time as the provisional credit was issued more transactions were attempted taking the provisional credit away from the not authorized transactions. upon noticing this a call was made to sun-trust again to open yet another dispute which was opened and closed in a matter of 2 days and denied even tho they were from the same batch of transactions the bank approved as fraud. making matters worse the bank did not block more transactions from going threw they allowed multiple attempts at a nsf fee of XXXX to add up to more then XXXX dollars. even after emailing the bank to block all attempts from pay-pal to remove funds. after several attempts to get this fixed i received a notice of collection from sun trust bank. i called there disputes dept and was told there was nothing that could be done at this point as the matter had been given to the collection agency and i had to call them. i filed a BBB complaint against sun-trust which quickly got a response from them that now a rebuttal form was being sent and they would look into my complaint which they denied was not even possible when i called them. i sent in the rebuttal form via usps around a month ago and received nothing from sun-trust.

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 2017-07-26 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Big Picture Loans, LLC
State: GA

Complaint narrative:
I applied for the Loan and was waiting for a response or call because that whats the message read. Instead there was no call the money just appeared in my bank account. Once that happened I thought oh that was easy and it was like great because I needed the money but then the more I thought about it I was like something isnt right. I called and was notified that for my {$800.00} loan I would ne expected to pat back {$4600.00}. I looked at the payment plan that was sent and that 's where I learned the Apr of 540 % thats when i knew I was in trouble. Please help!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-26 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Byrider Franchising, LLC
State: MA

Complaint narrative:
I voluntary surrendered the vehicle in XX/XX/XXXX. At that time I requested a copy of my entire file with the company including the amount that the vehicle was sold for. I was told by the manager XXXX that I could not have any documentation relating to the vehicle. I called the office again and this time spoke to XXXX who managed the payments at the front office and was told that I would have to speak to a manager who should be able to get me the information. I was informed again that I could not have any paperwork including the resale price. I no longer had any contact with the company. As I am repairing my credit I reached back out to the company XX/XX/XXXX and this time I believe that I spoke to XXXX who informed me that he could not produce any paperwork since the account was so old and his exact words to me were " dispute this item on your credit report. '' I disputed this item XX/XX/XXXX and in XX/XX/XXXX after no activity since XX/XX/XXXX they have misrepresented on my credit report. 1st error - it is stating repossession and it should have stated voluntary surrender. 2nd error - they have stated that a payment of {$240.00} was made - I have not made any payments on this account. 3rd error - they stated that the vehicle was refinanced/renewed which is simply not true. This bank/creditor is known for their deceptive practices. Please investigate and remove from my credit as they are not providing correct or accurate information. Thank you kindly

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
First of all this is not about an issued card as far as I know but a fraudulent application for a card. For the last several months, I have received a letter from Chase Bank telling me that they have not been able to issue a credit card in my name since I have frozen my credit. The letters asks me to lift my credit freeze. The problem is I have NEVER applied for a Chase Bank Credit Card or the Amazon.comVisaSignature card they refer to. Each month, I call Chase Bank to tell them the application is fraudulent yet the letters keep coming. Today, I called and the representative told me that he would mark the application as fraudulent but that he could not mark future applications as fraudulent. He said someone is reapplying each month in my name. The odd thing is that they are using my correct name and address which means the credit card would come to me. The only other person living in my home with me is my husband of 51 years and he has not applied for the cards either. Please help me stop Chase Bank from sending these letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
I have been communicating w this firm For a while they were notified that my mom XXXX XXXX passed away X/XX/17 the original creditor has copies of her death certificate. They sent summonses and then later after I spoke w them and told them she passed I was sent a letter of discontinuance in the mail. And was told no further communication would follow and that was it. Today I got a letter in the mail that the lawsuit was filed against my mom in XXXX civil Court

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-26 00:00:00
Product: Debt collection — Private student loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Nelnet, Inc.
State: CT

Complaint narrative:
Dear XXXX XXXX XXXX ( XXXX/XXXX XXXX XXXX XXXX ) You illegal tactics involving private student loans XX/XX/XXXX-XX/XX/XXXX is being investigated. Today the CFPB and congress has struck down the binding arbitration rules. I will file a criminal complaint against you, you have been going into my credit files and selling my information to debt collectors. You need to re-validate and check the payment history on the student loan. These loans where securitized, and have been written off at some point in time. You have no claim and authority to proceed with collection activity. The original note has been paid.

Company response to consumer: Closed with explanation