vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-06-27 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TOYOTA MOTOR CREDIT CORPORATION
State: NH

Complaint narrative:
I leased a vehicle, it was CLEAR to me at the time of the lease that I would NOT owe a disposition fee, as I was a returning customer and also because it was NOT in my terms of the contract signed, years later, I returned the lease, rather than lease again. XX/XX/XXXX The salesman was not happy and told me as I was giving them the keys that this would be " feed ''. Rather aggressively. Obviously upset that I was taking a break from leasing a vehicle. I received a letter months later from a collection agency, NOT Toyota. XX/XX/XXXX Amount of {$530.00}. I paid XXXX for mileage owed and it cleared. ( note I never received a bill prior to collections from Toyota ) I wrote a letter disputing the disposition fee charge of {$350.00}.XX/XX/XXXX To  Both to the creditor and the Collector. I went ahead and attempted to get verification that this is, in fact, a fee that is owed. NEVER received a response from anyone, received another bill XX/XX/XXXX for a settlement at a less amount from Toyota {$280.00}. NO > I am not going to settle and pay just to take it off my creidt because they are sending a bill. I sent another letter. XX/XX/XXXX questioning the settlement and amount due looking for proof etc. Again. no proof, no contact from Toyota. I sent this letter to both of them. Here it is XX/XX/XXXX and I received another letter from XXXX XXXX XXXX that I can settle at {$280.00} and offer payment plans. No verification. I called and left three messages and no response. I am now drafting a third letter and also submitting this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-27 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: National Enterprise Systems, Inc.
State: IN

Complaint narrative:
National Enterprise Systems has been calling my cell phone repeatedly about a debt owed by person other than me since XXXX XXXX. I have called them to take me off the list repeatedly, but they ca n't take me off the list without knowing the debtor 's name. They call me after the office is closed so I can not call them back. I have blocked the number, but they still leave voicemails. They need to stop. The last batch of phone calls were on XXXX, XXXX and XXXX. The person that leave messages is XXXX XXXX at ( 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 2017-06-27 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: JH Portfolio Debt Equities, LLC
State: OH

Complaint narrative:
JH Portfolio is reporting an acct on my XXXX that I never owned. They site XXXX XXXX as the original creditor, but XXXX XXXX has verified that thy have no record of any accounts for me. I have never had an account with XXXX XXXX. I filed a police report for fraud and provided it to JH Portfolio, but they still refuse to remove the account from my credit file. The date of the XXXX XXXX account is XX/XX/XXXX, {$3200.00}.

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 2017-06-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
Santander Bank has been served a copy of my federal complaint under the Recovery Act. Santander has failed to respond to United States District Court for the   XXXX   XXXX  Pennsylvania  Court  Order.  Santander Bank  has not settle civil action number  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 2017-06-27 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Santander Consumer USA Holdings Inc.
State: LA

Complaint narrative:
Myself and my business were devastated after the federal flood disaster in XXXX. My business was forced to nearly close it 's doors, and my personal finances were completely liquidated. We were unable to catch back up and missed payments up to the time I returned my vehicle at the end of XXXX. I attempted several times to ask for deferred payments during the disaster and they denied all request. I asked to settle the matter and the denied the request. This company is Chrysler Captial www.chryslercapital.com

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-06-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC
State: KY

Complaint narrative:
I have a mortgage with RoundPoint Mortgage Company. I submitted a request to have my PMI removed and my request was denied. I tried talking to someone in customer service and they were completely clueless and unable to help at all. All of this information is based on their own documents which can be found here : XXXX XXXX XXXX XXXX  When can I request PMI be cancelled? '' " ( 2 ) the date the principal balance actually reaches 80 % of the original value of the property '' " How do I find the original value of my property or LTV? '' " If the loan is a refinance, then the original value is the appraised value used to refinance the loan. To calculate the LTV, divide the unpaid principal balance of the loan by the propertys original value. '' Refinance Date : XXXX XXXX Appraised Value Used To Refinance The Loan : {$380000.00} Unpaid Principal Balance of the Loan : {$300000.00} Unpaid Principal Balance of the Loan / Appraised Value Used to Refinance The Loan = XXXX / XXXX = 79.93 % I do not understand why they are denying my request to have PMI removed. 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 2017-06-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PNC Bank N.A.
State: VA

Complaint narrative:
Mortgage servicer, PNC, has listed on my escrow account, three homeowner 's ( hazard ) policies listed on my mortgage account. The only valid policy, has an expiration date of XXXX/XXXX/XXXX and is to be paid via renewal through escrow payment ; however, mortgage servicer, PNC, has this to be paid via one of the other three policies listed on my account on XXXX/XXXX/XXXX. In addition, today, XXXX/XXXX/XXXX, I note that valid hazard policy with expiration of XXXX/XXXX/XXXX, has been paid via my credit card, and not through escrow as was established at time of loan origination.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-27 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Medical Data Systems, Inc.
State: GA

Complaint narrative:
I am disputing a claim that was processed and paid on XXXX XXXX, XXXX to XXXX XXXX XXXX, XXXX XXXX, GA. I have concerns with inflated cost of service and fraudulent activities. I had a XXXX procedure done on XXXX XXXX, XXXX at XXXX XXXX XXXX. When I sat down to register for the test with a hospital employee, I was informed that if I can pay for the XXXX in cash it would only cost me {$500.00}, if not, they will submit the fee to my insurance company for payment. I advised the registration clerk that I did not have {$500.00} cash and to please submit the fee to my insurance carrier, which is XXXX XXXX XXXX. I also advised that I had a HRA ( health reimbursement account ) with a balance that will cover the {$500.00} cost of the XXXX. I then signed off on a form that stated I am waiving the option to pay with cash and require the hospital to bill XXXX XXXX XXXX ( HRA account ). XXXX XXXX XXXX filed a claim with XXXX XXXX XXXX for {$4200.00}, which is an inflated amount from the initial {$500.00} ( cash ) I was quoted during registration. The claim was processed and paid by XXXX XXXX XXXX on XXXX XXXX, XXXX for {$530.00}, leaving a high balance of {$2000.00} that the hospital is stating I owe them. I have had several XXXX in my lifetime and never been billed over $ 2K for the procedure. I would like this matter reviewed and investigated because at the time of the XXXX in XXXX, XXXX XXXX XXXX was a brand new facility and I am not sure if they were trying to get customers to pay for their equipment by inflating cost of service. I believe they purposely submitted the claim to XXXX with an inflated price of {$4200.00}, which I feel is a fraudulent request because the fee was initially {$500.00} if I paid by cash. What is really the difference between paying in cash OR paying with my HRA account? It should still cost {$500.00} either way. Why did the cost of the XXXX go up by 7 times? Anyway, I should not have to pay the hospital an additional {$2000.00} for a XXXX that they told me cost {$500.00}. They did receive a payment of {$530.00} ( additional {$33.00} ) from my insurance carrier ( XXXX ), covered by my HRA. This means that they were paid in full and I should not have an outstanding balance. They inflated the cost of the XXXX so they can gauge additional funds from XXXX and from myself, which is fraud.

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 2017-06-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
I was called at work to be informed that a company had sealed documents to deliver but they had an old address. They gave me a phone number to call,  XXXX and a case number  XXXX . This was regarding credit card debt from many years ago. All of my debt was legally discharged in a Chapter  XXXX  Bankruptcy Filing in Arizona with the  Federal Bankruptcy Court i n  XXXX   2016 . The collector said i was about to be sued  ( even though my debt was discharged ). I gav e them my attorney 's information and will report them again if they try to contact me after this. They refused to give the name of their agency and just gave me first name  XXXX , then someone named  XXXX   XXXX . Other websites identify the phone number as   XXXX   XXXX   in New York

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-27 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Credit Protection Association, L.P.
State: FL

Complaint narrative:
I cancelled service with XXXX ( formerly known as XXXX ) in XXXX of XXXX. When checking my credit report on XXXX XXXX in XXXX XXXX, I noticed that there was a collections notice from XXXX  ( via collections agency Credit Protection Association ). I never received a letter or email that there was an outstanding balance. I was never notified of any payments to be made until I myself checked my credit score. I immediately paid the outstanding balance and was told verbally that this collections would not show on my credit report. I am now in the process of buying a house and the collections notice still shows on my credit report as paid, but closed. It was not removed as promised. I was also not notified that I was able to dispute the charge, I was told that if I paid the amount the collections would be removed from my credit report. This is not the case. I have spoken with both XXXX and Credit Protection Association both of which said " there is nothing they can do '' at this point in time.

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 2017-06-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: PNC Bank N.A.
State: FL

Complaint narrative:
Stop payment was issued to a merchant/charge and the representatives stated that the payment had to pend before it would be removed. Upon posting PNC stated that they could n't reverse the payment. I was misinformed in regard to proper procedures

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-27 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: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
On XXXX XXXX XXXX, a check for {$1000.00} dollars was forged by a person I have never met nor heard of, and withdrawn from my Chase Student Account. When I caught the fraudulent transaction on XXXX XXXX, I panicked.This was money used exclusively to pay my tuition for college and suddenly it was gone, so I immediately called Chase ( XXXX XXXX ) to report it. Chase assured me that I had done the right thing by filing immediately and closing my old account, they said all I needed was to send in an affidavit and they would get stated on returning my funds. I felt instant relief knowing that I had caught it in time. As of today, XXXX XXXX, XXXX I still have not received my funds despite doing everything Chase has requested and have been left with nothing but tears, frustration, and an outstanding bill with my University that I am unable to pay. When I mailed my affidavit to Chase on XXXX XXXX I thought I was on the road to resolution, so imagine my surprise when I called Chase in late XXXX for an update on my claim only to learn that the process had stalled since they 'd never received my affidavit. Upset, but understanding that mistakes can happen, I rushed in to fax my affidavit directly from a Chase branch which they received on XXXX XXXX. From here, a senior specialist assured me, Chase had 60-90 business days to process the claim and return my funds. With the end of my XXXX XXXX approaching I had finals and XXXX to think about, but I made sure to check in for updates with Chase ( there were never any ) and was left to wait until the 60-90 days were up on XXXX XXXX XXXX. Since then my claim has been " escalated '' 3 times with no resolution ( XXXX XXXX, XXXX XXXX, XXXX XXXX ) and I have gone from being a loyal and content Chase customer, to an exhausted recent XXXX at her wits end. My college XXXX, what was supposed to be one of the happiest days of my life, is marred by the fact that I can not and will not receive my diploma-that I have worked four long years for- until my tuition balance is paid off, which I can not do without my funds from Chase. I have been so patient and understanding, and respectful with the hard working agents who have been fielding my multiple calls, but at this point it feels that Chase simply does n't care despite their thanks to me for being a " valued Chase customer. '' I do not feel valued. I feel used and exhausted and after nearly 7 months of this, I would simply like it resolved.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-06-27 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: CITIBANK, N.A.
State: OH

Complaint narrative:
XXXX XXXX is reporting an acct on my XXXX that I never owned. They site Citi Bank as the original creditor, but Citi Bank has verified that thy have no record of any accounts for me. I have never had an account with Citi Bank. I filed a police report for fraud and provided it to XXXX XXXX, but they still refuse to remove the account from my credit file. The date of the City Bank account is XXXX XXXX, {$3200.00}.

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 2017-06-27 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
XXXX XXXX is reporting an acct on my Experian that I never owned. They site XXXX XXXX as the original creditor, but XXXX XXXX has verified that thy have no record of any accounts for me. I have never had an account with XXXX XXXX. I filed a police report for fraud and provided it to XXXX XXXX, but they still refuse to remove the account from my credit file. The date of the XXXX XXXX account is XXXX 2016, {$3200.00}.

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 2017-06-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Ditech Financial LLC
State: CA

Complaint narrative:
The first request sent to obtain a Lien release from Ditech Financial was on XXXX XXXX. We have been trying to close escrow since last Thursday but we can not because the buyers lender requires a copy of the XXXX XXXX XXXX be completed and signed by Ditech before they will fund the buyers loan to close escrow. For each day they delay in getting this to us we are paying an additional days interest because we can not make payoff until buyers loan funds. Our Escrow company has been calling multiple times a day for the last 2 weeks trying to get this completed form, I myself have also called many times. Thursday I called twice, tried to escalate it to a supervisor in the lien department, they informed me that this department does not answer phones, I was informed it was escalated via email to a supervisor and that I should have resolution within 24 hours. This did not occur. Yesterday our Escrow company was informed that the original request which was sent on XXXX XXXX was made on an incorrect form, why was our Escrow company not informed that the paperwork they received was incorrect? Our Escrow company resent the correct paperwork yesterday, and called this morning ( XXXX ), they were informed that it takes 3 days for the Fax to get into their system?? The Escrow agent that initiated the request was told by one agent at Ditech that the Lien department was 6 weeks behind! I have attached the documents sent to Ditech from XXXX/XXXX/XXXX through yesterday XXXX/XXXX/XXXX. These contain emails and faxes to a multitude of people that I was told to send my requests to and these include the Lien Release Department, supervisors and customer service people. We can not close escrow or transfer the mobile home title without this document that it is a requirement of the State of California Department of Housing and Community Development and that every other mobile home lender gets these to our escrow company within a couple days of the request.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: International Computer Systems, Inc.
State: WI

Complaint narrative:
XXXX XXXX has harassed my company with asking for payment in the amount of {$210.00} for advertising not approved by me, the owner. After months of calls asking for payment and myself refusing to pay they have now filed a collection notice through First Collection Services with the creditor account number XXXX. Our rural area does n't even have XXXX. The collection notice as a date of XXXX XXXX, 2017 and asks for checks payable to XXXX, XXXX. XXXX XXXX XXXX XXXX, IL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
I have been working with Midland Credit Management , Inc since the XXXX of XXXX. I called them on the XXXX of XXXX XXXX and spoke with a account manager about how or what I need to dispute this debt that I just found on my credit report when XXXX XXXX from XXXX XXXX. She informed me that I had a debt in collections from Midland Funding, LLC. I informed her that I never had a credit card through XXXX XXXX. So I contacted Midland Credit Management, Inc on the XXXX of XXXX XXXX they told me they would send me a what I need to do and the information they have on the case. The paperwork states it was typed up on the XXXX of XXXX XXXX. Where they give some details about the account. And what information I need to seek if I want to dispute it. So after I received this packet I started filng reports the day of receiving the paperwork on the XXXX of XXXX XXXX. I filed a complaint report on ther FTC.gov for Identity Fraud as per stated in the inforamtion they sent me to get, and I also have contacted my local sheriff 's department to file a police report. The deputy came out to my house on the XXXX of XXXX XXXX and I showed him the information that Midland Funding, LLC sent me. He wrote up his report and gave me a card that had his name, title, phone #, case #, address of police station. I have scanned the business card the sheriff gave me and the report for identity theft report and have faxed the paperwork to Midland Funding, LLC on the XXXX of XXXX XXXX. I called them and spoke with Account Manager XXXX, he said they have n't recieved the fax, and to wait 3 business days for their company to receive and upload documents to their system, but I could also email. So I emailed them on the XXXX of XXXX XXXX. I have been calling them every week to keep hearing the same information to call back next week or the information you sent is Invalid and they will contact their legal team to see why infomration ( police report, and FTC Identity Theft Report ) is invalid, and inform me to call back every week. So I 've had enough and trying to take this to a higher level.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
When viewing my credit report on XXXX/XXXX/XXXX, I found a negative account with a company called XXXX XXXX. The amount owed is {$2300.00} and was placed for collections on XXXX/XXXX/XXXX. I have never heard of or been contacted by this company notifying me of anything. They have incorrect information. I am requesting that this be removed from all of my credit reports.

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