vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-03-24 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
I made a payment for my tuition on XXXX University 's payment portal ( on XX/XX/XXXX2017 ) for an amount of {$710.00}. The webpage had a technical glitch and cause my payment to be charged three times instead of only one. I disputed XXXX of the transactions with my credit card company and they gave me a temporary credit until the issue is resolved. I managed to resolve the issue with XXXX University in regards to the duplicate payments and they gave me a refund for the XXXX extra {$710.00} charges by sending me a check. I reached out back to my credit card company and requested the dispute to be removed and marked solved. The bank marked the XXXX disputed ( case numbers XXXX and XXXX ) as solved and posted a re-bill on my account to process those payments. After a month of going back and forth with XXXX University they claimed that they only received XXXX of the re-processed dispute amounts - so there is a {$710.00} outstanding. Chase has done nothing to help me locate where that payment is and XXXX University has over exhausted their resources trying to find the payment processed by Chase. The XXXX disputes were reprocessed on XXXX/XXXX/2017 with the following description on my credit card statement " REBILLXXXX UNIVERSITY ''. 

Please help me find where the second payment is and why it has not reached to XXXX University. There seems to be some sort of fraudulent activity taking place.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-26 00:00:00
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I received a credit card from Chase ( labeled as XXXX rewards XXXX ), without ever applying for it. After calling chase, to inquire about what was going on, they rushed to cancel it without providing me any feedback on what has actually happened. They also did not give me the option to keep the account and re-issue another card ( I figured the harm was done and my credit score was already hit, why not keep the card ). After seeing I can not get the information I was expecting from the customer service on the phone ( as I was worried about identity theft ), I had to make a visit to their branch and was given the contact of the " Fraud Specialist '' who was working on my case. 

Talking to her, I realized how uninformed she was on doing her job. She claimed " hackers '' were able to obtain my information such as email and mother 's maiden name to apply for the credit card and take advantage of saving XXXX dollars in XXXX. The only way that I could see this happening, is one should be able to get my XXXX user/pass ( as the XXXX account has been working before and after this event and I did n't see any fraudulent activity ), then apply to that credit card on my behalf, and most probably be forwarded to the chase web site where he/she should have answered some credit-related identity questions ( credit report does not include anybody 's email or mother 's maiden name ). That is a large amount of private information ( XXXX user/pass and correct answers to credit-related identity questions ) and if the hackers had access to them, they could have done a lot more harm than just saving XXXX dollars in XXXX. I have had a credit monitoring service since that time and have not seen any problem in my XXXX account and/or credit report. I also need to add that I am quite well-versed in IT security and computers ( I am a XXXX myself with experience cryptography ). So the possibility of somebody hacking into my computer is negligible to none. 

Searching internet, I found a lot of other people in my shoes ( and sometimes a large group of people, check http : //optometrytimes.modernmedicine.com/optometrytimes/news/developing-story-ods-targeted-credit-fraud for example ), to me it looks like there is a loophole between XXXX and Chase, that hackers have been trying to take advantage by bypassing the XXXX account login and Chase credit-related identity questions. Hopefully there are more experts in chase handling similar cases and they are more experienced on these topics than the one I interacted with. 

Finally, I was told that the credit inquiry from XXXX will be removed from my report in XXXX days. The above happened in XX/XX/XXXX and XXXX months later ( XX/XX/XXXX ) I can still see the credit pull. I want that entry to be removed from my XXXX credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-27 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: TN

Complaint narrative:
Dietech Financial has erroneously reported my mortgage payment late for the month of XXXX when it was paid on XX/XX/XXXX. FRAUD, I have been denied credit and at this point this it the second time that they have reported information that is incorrect and I am now asking for financial restitution. 

DITECH FINANCIAL LLC Account Number XXXX Account Type Real Estate Loan Terms 336 Months Date Opened XX/XX/XXXX Account Status Open Payment Status Late Payment Status Details Past due 30 days Status Updated XX/XX/XXXX Balance {$190000.00} Balance Updated - Credit Limit - Past Due Amount {$3900.00} High Balance - Monthly Payment {$1600.00} Balloon Payment - Contact Phone XXXX Contact Address XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MN XXXX Ownership Individual Original Creditor - Company Sold-to - Original Amount {$200000.00} Comments - Payment History XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-22 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: PA

Complaint narrative:
I purchased my home in XXXX XXXX, financed it through Ditech and opted for tax and homeowners insurance escrows. In XXXX XXXX, I received a delinquent tax bill from my county for school and county taxes. When I called Ditech, looking at my online account, which registered approximately {$5000.00} in escrows and only had an " earthquake insurance '' ( I live in PA, and do not have earthquake insurance ) payout scheduled for less than {$500.00}. The customer service agent told me I do n't have tax escrows on my account, when clearly I should have tax escrows set up, and the " earthquake '' insurance was coded incorrectly. It has been over a week since I alerted Ditech to the issue, forwarded a copy of my tax bills, and a copy of my Closing Disclosure reflecting that tax escrows should have been set up and tax escrows were collected at closing. My taxes have still not been paid. This is completely unacceptable and if I end up with a tax lien on my house, I am not sure what I will do. I 'm not sure why Ditech can not cut me a check of MY money sitting in my escrow account so I can pay the tax bill myself. Please help.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Pending Company Match
State: WI

Complaint narrative:
I was supposed to begin paying my loan serviced by XXXX in XX/XX/XXXX as I graduated in XX/XX/XXXX. XXXX claimed that I was in school until XXXX. I advised that this was wrong and I asked to begin paying my student loan and asked how much the payments were. They refused to give me a payment amount blamed the wrong date on XXXX ( the school ). I know this is not correct as I have another servicer and they provided me with payment information. They offered my a forbearance, which they said I could only have one. I declined as I want to have it available for a future time in case I need it. I began paying the loan and have made two payments of {$500.00} each, only guessing as to the amount because XXXX refused to give me my repayment figure or any due date. 
Yesterday, I received a letter noting a forbearance of XX/XX/XXXX-XX/XX/XXXX, stating late notice of separation. I am confident that this was not a late notice by the school or by me ( if fact I did notify them-at least three times. ) Instead this is an error made by XXXX. XXXX still has not provided me with either a due date or a payment amount. I don not want the forbearance. I do not want to pay any extra fees based on their errors. If possible, I would like my loans transferred to a servicer with a better servicing record.

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 2017-03-14 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
please find attached my dispute letters which i have also submitted to bureaus several times, these accounts have never been late and should have no delinquencies. 
please help me to remove these unfortunate negatives. 
thank you

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 2017-02-28 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
I recently disputed a collection with Experian that I have absolutely no knowledge of. I have never received any information pertaining to this debt. I am once again disputing this medical debt and collection activity. Experian has verified it as " belonging to me '' ; however, I would like Experian to provide what information they obtained during their investigation to verify this as mine as this account is being unfairly listed on my credit report. The collection is listed below : 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 2017-03-28 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
According to the Fair Credit Reporting section 609 ( a ) ( 1 ) ( A ) your company is required by federal law to verify-through the physical verification of the original signed certified consumer contract. Unverified debt must be removed I sent all XXXX credit agencies certified letters to either produce and original contract which they could n't on debts for XXXX and XXXX. The court case : XXXX V. XXXX ruled that you can not take information off a computer source to verifying the debt. This precedent was also included in my letter.

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 2017-04-03 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I have disputed with the credit bureaus a collection from XXXX multiple times, due to the fact I have been unable to obtain any information on the alleged debt. Each time I have gotten the responce that it meets fcra requirements. One XX/XX/2017 I made a cfpb complaint against XXXX. The company was unable or refused to respond, and their information was forwarded to the ftc Consumer Sentinel Network. I am curious how the credit bureaus where able to obtain information from the company when they refused to reply to a federal agency. The cfpb complaint number for XXXX 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 explanation
Consumer complaint received 2017-03-23 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Taking out the loan or lease — 
Company: ALLY FINANCIAL INC.
State: MS

Complaint narrative:
I 've been disputing this for 2 years now. I recently Pulled my credit and saw ALLY Financial is still on my Credit report for $ XXXX. I do not recall this debit, I sent XXXX different letters requesting investigations and re investigations from the credit bureaus to investigate this matter. After several attempts to find out any information about this alleged account. I Sent a Notice of pending litigation, Seeking relief and monetary damages under FCRA section 616 & section 617, giving them 10 days to verify this alleged account and send me proof of this account. Still No reply, no action. Ally is Still on my credit report and reporting monthly late payments dropping my credit score drastically. I have rights and I plan to pursue them. They are impairing me from a fair chance with creditors and a quality of life.

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 2017-03-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: SLM CORPORATION
State: MI

Complaint narrative:
I finished school around XXXX years ago. I had called sallie mae to pay my loan off. They gave me an incorrect balance. I have n't heard from them till 3 months ago and they would leave dozens of herassing phone calls. Apparently what happened is they did n't give me the correct balance to pay off. They said I still had a balance due. They state that I owe them the remaining balance with interest. They used the large sum of money I sent them earlier to make minimum payments over the XXXX years, and I am now past due. They never once sent me a statement in the XXXX years saying I owed any money. So in short, I thought I paid my loan off XXXX years ago, and today I am told I owe over {$10000.00} on a balance of {$7100.00} from XXXX years ago. They are refusing to work with me and when I ask them to send me paper info in the mail they say ok. In 3 months I have n't received any paperwork, other then the monthly statements they are now sending. I do n't feel it is right to make me pay interest on a loan I was told was paid off and never given a bill for.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't get flexible payment options
Company: AES/PHEAA
State: NY

Complaint narrative:
My consolidation was complete on XXXX/XXXX/17 with Fedloan Servicing. Since then my third party representative has communicated with Fedloan Servicing and they have repeatedly told her that my application is still in process. According to the representative my account was place on an arbitrary hold pending processing. It has been over three months since I have been able to pay back my loans. Every time I call they say it should process within the next week and yet, here we are and it still has not processed. I called in on Wednesday and spoke to one of the women in the escalation department and she illustrated that it should finalize before the weekend, today I called and it still has not finalized and another representative told me it should take another week. I do n't have the patience to keep waiting on something that was supposed to process months ago. This is unfair to me as in the meantime my loans accumulate interest. This needed to be resolved months ago- I should n't keep being penalized for their " system error ''.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: AES/PHEAA
State: MN

Complaint narrative:
I submitted my paperwork two months ago to be re-certified for the REPAYE program. I 'm set to go into repayment in XXXX, and FED LOAN Servicing has still not told me what my new payment will be. When I submitted an inquiry through their website, I was given a template response indicating that my monthly payment would be over {$2000.00}. This almost more than I take home in a month, and I work in public service.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-25 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PHH Mortgage Services Corporation
State: PA

Complaint narrative:
i am about to get out of bankruptcy and payoff mortgage in XX/XX/2017 with phh mortgage they did not give me escrow analysis in 5years know they give me one in XX/XX/2017 and say i owe XXXX dollars they can not tell me the dates when this started they are not telling me nothing in writing could you look into this matter i wrote the trustee in this and contacted the bankruptcy lawyer no response my loan # XXXX phh mortgage

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-04 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: PA

Complaint narrative:
My husband and I are the only borrowers on the mortgage loan associated with XXXX XXXX XXXX XXXX, XXXX, PA. We received several notifications today, XX/XX/XXXX that a new item has been reported on our credit. When he went into XXXX XXXX to find out what the new item was he found out the Nationstar Mortgage had tagged our home loan with a XX/XX/XXXX Bankruptcy filing from his parents who do not own, have never owned or been associated with the mortgage on the above property. Our credit scores immediately plunged about XXXX plus points with the derogatory remark as it is called. When he called the mortgage company they were told by Nationstar that the bankruptcy was for XXXX and XXXX. They live with us because they are XXXX however, they are not on the mortgage and have never been associated with the mortgage of this property. Based on that one negligent move by Nationstar we have had to do everything to notify the various credit agencies and CFPB because in one unjustified key stroke they devastated our credit that we have worked extremely hard to get back. This is the second time that Nationstar has done this to us and they do not have any repercussions we the borrowers end up enduring all the burden in making sure that everything is corrected and our credit restored to the way it was previous to this negligent act. Nationstar mortgage needs to have better practices and people in place to perform their duties. I want them to be held accountable for everything that they did and to make sure that everything and every credit bureau is notified of the wrong doing and that this needs to be removed and everything restored to the way it was prior to their negligent act. I am also going to notify each of the credit agencies however, I would like something in writing from Nationstar accepting responsibility for this wrong doing and requesting that all credit reporting agencies remove that derrogatory remark that was added on XXXX and restore our credit to the way it was before the remark was added. Please feel free to contact me at home XXXX or on my cell phone at XXXX. Thank you and have a nice day. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-24 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: PNC Bank N.A.
State: IL

Complaint narrative:
On XXXX XXXX 2017 I check my account around XXXX, I then got something at XXXX XXXX the next day which was the XXXX I recieved my account with a over draft fee taken out of my direct deposit. I called PNC Bank they said I had a pending charge which was on the XXXX I told them no because my balance inquiry indicated something different on the XXXX and my account was not over drawn as I have proof they basically told me that that did n't matter that my receipt that I got for the balance inquiry was wrong so my question to them is why have ATM if I ca n't get the exact balance. Any other time that I have a pending charge they take the money right out of my account or if I do n't have enough money in the account account is overdrawn it is not left with money in there for me to make another transaction and that is my problem with them. So with PNC my issue is that there ATM does not give accurate balance information and I argued with them and talked with supervisor and they still do n't understand that all transactions need to be reflected in the bank account and to this day I still do n't see that transaction it 's possibly came in on the XXXX of XXXX so I have included a copy screenshot of my account of the transaction in question.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-13 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BBVA FINANCIAL CORPORATION
State: KS

Complaint narrative:
On XXXX XXXX, 2016 my Compass Bank account administered by Simple was locked and the funds in the account subject to a garnishment. On XXXX XXXX, a deposit was attempted and denied. On XXXX XXXX, that deposit of {$570.00} was allowed into the locked account. The deposit was not supposed to be allowed, as the account was locked. 

A court order has been issued to release the funds in the account after the initial locking. Simple and Compass are refusing to follow this court order.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-27 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: GOLDEN 1 CREDIT UNION, THE
State: CA

Complaint narrative:
I have been adding principal payments to my mortgage loan which was due XXXX 2025. I assumed that was an agreement between the lender and me that, as long as I paid the full amount by 2025, there would be no penalties. Now the loan is within one payment of me paying it off, but the lender says if I do n't make a monthly payment, I will be assessed a late fee, plus extra interest, even if, by terms of the loan that last payment is n't due for another 8 years.

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