vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-08-04 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Santander Consumer USA Holdings Inc.
State: PA

Complaint narrative:
On XX/XX/XXXX I realized that I had paid my last 2 car lease payments through my debit account to Chrysler Capital instead of XXXX XXXX. Once I contacted Chrysler they asked that send via fax copies of my bank statements proving that the payments were taken out of my debit account and sent to them. I faxed them the next day showing that 2 payments were made in the amount of {$360.00} on XX/XX/XXXX and XXXX XXXX of 2017. I contacted Chrysler a few days later to make sure they received my faxed information and they said they did and that I would be receiving my payments within 30 days but after speaking to a supervisor they would try to expedite the refund. On XX/XX/XXXX I contacted Chrysler again seeing the status of the expedited refund, still no information other than Id be receiving it around XXXX XXXX, 2017. I again asked to speak to a supervisor begging that they expedite this process and get me back my 2 refunded payments in the amount of {$730.00}. On XX/XX/XXXX I contacted again to see if the process had been expedited and there was no further information other than I would either be receiving a XXXX Gift Card or a check in the mail. I explained I did not want a XXXX Gift Card, I wanted the money deposited back into my debit account or a check. XX/XX/XXXX I contacted Chrysler again because I did not receive a check or gift card on the day as promised. I spoke with a supervisor again and he informed me that the XXXX Gift Card was sent out that day. Today is XX/XX/XXXX and I still do not have a XXXX gift card. The supervisor told me that I was to receive a XXXX Gift card since the refund was under {$500.00}. I expressed that the refund should be in the amount of {$730.00} because it was 2 payments that Chrysler accepted after my lease was up! The supervisor said they only had notes of 1 payment. I explained that that was incorrect and that I had faxed all documents needed to expedite the process for my full refund. The supervisor said hewould send the message along to the finance department and they would be contacting me within 24-48 hours. Well it has been the 48 hours and still nothing, no refund, no call, no XX/XX/XXXX Gift Card.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-08-04 00:00:00
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Lost or stolen check — 
Company: TCF NATIONAL BANK
State: IL

Complaint narrative:
Hi my name is XXXX XXXX. I went to the branch were, I have my Checking Account. Had asked the associate that I needed a Cashier Check in the Amount of {$400.00} hundred to cover whatever my husband needed to get a house we supposedly we were going to rent from XXXX XXXX but she scammed us lucky for us she did n't get ahold of the other cashier checks. I Immediately called the bank and reported that I got scammed the following day went to the branch gave them a picture of the cashier bank I thought this situation was fixed but instead I checked my account on XXXX XXXX, 2017 and to my surprise the person changed the check the bank took my funds after I reported immediately that there was no keys no house this person caused us our apartment the bank manager had told me the issue was resolved they were going to put my funds back but instead they took the funds from TCF Bank

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-04 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Southwest Credit Systems, L.P.
State: NC

Complaint narrative:
XXXX XXXX XXXX first said I owed {$410.00} as my final bill. I called and asked them to adjust the bill to reflect the actual services that I received, as I did not have a contract with them and was not obligated to keep their services or pay for service not received. They were trying to have me pay for service AFTER it was suspended and was no longer being received. They responded by adjusting the bill to {$280.00}. The account was sent to collections in XXXX of 2017, despite several attempts by me between XX/XX/XXXX and XX/XX/XXXX to get an accurate balance so that I could pay the balance. I disagree that the amount was even {$280.00}, as the monthly services were only {$200.00}. On XX/XX/XXXX a statement was printed and sent to me that stated there was no previous balance and showed credits and two write off balance reversals that would leave the account balance at {$45.00}. I paid the {$45.00} to a local office but at that time was given a receipt that had a {$240.00} balance. That balance was not correct as the XX/XX/XXXX statement shows that with the write off balance reversals and credits the only balance that was due was {$45.00}. I called them and they said the account balance was now XXXX but the account is still with collections and appearing on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
Re XXXX File No. XXXX The above referenced firm XXXX XXXX XXXX XXXX XXXX falsely filed a court judgement against me in XXXX of 2014. Rather than fight the matter further in court, I agreed to a repayment plan effective XXXX XXXX, XXXX. Payments have been made faithfully since that date on amonthly basis, and in some cases two months payments were made. It appears that these payments may have been recorded incorrectly prompting the firm to send me a certified letter ( attached ) indicating that a Notice for Execution Against Wages, which could have possibly resulted in the  termination of my employment. Given the gravity of these implications, I felt my XXXX XXXX XXXX and began to immediately XXXX XXXX XXXX. I was able to gather myself to call XXXX and review my payment history with them to which a XXXX . XXXX XXXX was very kind and attempted to calm me down, and told me I had nothing to worry about, then proceeded to force me into a new agreement that would double my monthly payment. I also reiterated that none of this would have happened if they set the account up on an auto deduct from my bank account, however, they said that this could not be done. The matter was unintentionally made worse each time XXXX XXXX referenced a judgement that was still unresolved. At this point the damage that this very threatening letter was already done. I will be heading to a clinic now to have my XXXX XXXX checked or to determine if I need to go to an emergency room.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-04 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: TN

Complaint narrative:
On XXXX XXXX 2017 two certified letters were sent to Portfolio Recovery Associates, which are listed belowadvising you that these two debts were in dispute and I was asking that you please validate the debt. In the letter, I outlined very specifically, what was required to validate this debt. With the primary emphases of a copy of the legal binding contract with my signature on it that says I owe the amounts you are requesting. Unfortunately, you have provided me with no such validation that proves that I owe these two debts or the amounts. At this time, I must ask that Portfolio Recovery Associates provide me with a copy of the original legal contract barring my signature that shows that shows I owe these debts. Portfolio Recovery Associates US Certified Mail XXXX XXXX 2017 ( XXXX XXXX XXXX XXXX XXXX ) Portfolio Recovery Associates US Certified Mail XXXX XXXX 2017 ( XXXX XXXX XXXX XXXX XXXX ) In addition, I have just pulled my latest credit report and have noticed that even though I have disputed these debts. You have moved forward with continued collection activity by placing disputed invalidated derogatory information on all of my three-credit reports. With the direct intent to harm my credit and prevent me from enjoying all the benefits of good credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-04 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
My son was adding me to an existing savings account as Chase Bank. To add me to the account they wanted additional personal information. Specifically, If I was employed or retired and the range of my annual income. These are questions I expect for a request to extend credit, but not for a deposit account. It was explained that this was part of the Bank Secrecy Act and an attempt to conform with Know your customer. This felt intrusive to me and I 'm not sure if this is overreaching from what is required. If it 's not over reaching, I feel that this is may be an unfortunate step to far. Especially in light of potential for data breaches that are constantly coming to light. Chase agents were polite and helpful.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: STATE FARM BANK, FSB
State: CA

Complaint narrative:
I have made charges my State Farm Bank XXXX Credit Card of XXXX. I contacted my credit card company to inform them that i am going to make partial payment of XXXX, I have request information on what my interest charge would be on my balance and there employee XXXX I.D . # XXXX said they could not give me that information.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Under the new law effective XXXX XXXX 2017 any public record data must include Name, Address as well as SSN or DOB in order for it to appear in your credit file. The credit bureau has not updated information  per the new law. The bankruptcy XXXX listed does not include this information and should be deleted. I have disputed this bankruptcy several times and the data has not been updated since the new law took effect. Per the dispute with Transunion on X/X/17 that was completed X/X/17 the last time the bankruptcy was verified was on X/X/17. The address that Transunion is claiming was used to verify the bankruptcy as mine XXXX XXXX XXXX XXXX IL is not mine and does not belong to me, nor is that address listed on my Transunion credit report.

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 2017-08-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: VANDERBILT MORTGAGE & FINANCE, INC
State: LA

Complaint narrative:
During the loan I had late payments as I got near to paying off loan I requested that late payments be updated in agreement with paying loan off early. Vanderbilt company representive agreed to update my account status but informed me that it would take 30 days. I agreed for payment to post to pay of account XXXX XXXX 2017. I currently applied to pre qualify for a home loan and was informed that late payment was still on credit report. At this time I contacted Vanderbilt Mortgage and have received the worst service which I feel its because I do not have a open account being transferred from person to person being placed on hold for extended periods of time on several occasions from XXXX 2017 to XXXX XXXX 2017 DAILY. This company has provided me with the worst service and refuse to honor agreement 1. Because I am no longer a customer ( But offered to consider removal if I was applying for another home loan through Vanderbilt Mortgage ). 2. I 'm a XXXX XXXX Veterans that suffers with XXXX, XXXX XXXX and other XXXX XXXX which is triggered when I 'm spoken to aggressively which the representative have done repeatedly. 3. As a XXXX XXXX Male they show no concern for anything i have to say but I have listen to them talk to other XXXX customers and they are very respectful and courteous. I continue to ask that my late late payments be removed as agreed upon and honor my request quickly.

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 2017-08-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WINN LAW GROUP, APC
State: CA

Complaint narrative:
My account with XXXX XXXX was closed, Winn Law office bought a close case, and started a court case by a wage Garnishment against me, I did not get a court order just payer to pay on a closed case. they are taking 25 % of my earning I have a child in college her 3rd year, now I cant help pay her school Tuition please advise. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: Century First Credit Solutions
State: NY

Complaint narrative:
I Did sign up with XXXX XXXX XXXX in 2015 for my debt settlement and they assure me that they will settle my two credit card acc but after two years now they did n't settle any acc rather they withdraw almost 19000 $ out of my trust acc from XXXX XXXX XXXX acc no XXXX without any work done. without a settlement and now when I ask them they said we will get a settlement but now I want my money back as they took all my money without doing any thing its total fraud. and they refuse to refund my money 1. I paid XXXX every month 2. FILE NO : -XXXX 3.Paid till now XXXX {$4.00} they withdraw XXXX out of my trust acc which was with XXXX acc no XXXX so by contract they will keep all money in trust acc till settlement done but they didnt do any settlement and took my money from XXXX XXXX thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-04 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: CO

Complaint narrative:
The company is Navient. I got behind but am working on getting caught up. I paid XXXX $ last month ( XX/XX/XXXX ) was told that it would get my loan back on track, got an email a few days later stating that I owe XXXX . I call to set up a payment on X/X/17 and the guy on the other end asked if I wanted to pay XXXX $ to get caught up. I said no I want to set up a payment for X/XX/17 for the amount of XXXX $ ( all I can afford ). He asked about my phone info and I told him that I give it every time I talk to someone from this company. They do n't save my basic information. My mom goes online and it says that my payment of XXXX $ is past due. So having been told of numerous different numbers, I do n't know which one to believe. They call at all hours of the day and night. Never leave messages. And after I make a payment they blow up my phone again. I cant deal with the harassing calls, the lack of knowledge how to save basic information. It 's causing stress and my lack to finish my degree, I 'm only 5 classes from completing. Please help me get through to these people. I 'm tired of dealing with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: WI

Complaint narrative:
XXXX account number XXXX. I did purchase 2 gift cards for total of {$1000.00}. They were not loaded and the merchant refused to take them back. Chase " resolved '' my dispute by stating since I did purchase the gift cards I must pay for them. Buy if they do n't have any funds, whats the point to purchase gift cards??? XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-04 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: REGIONS FINANCIAL CORPORATION
State: CO

Complaint narrative:
We purchased our home in XX/XX/XXXX. 3 months later a representative of Regions Mortgage came to our house ( unsolicited ) and offered us a 15 year, {$35000.00} 2nd mortgage. We accepted and made our payments via EFT. NOT ONE TIME did this lady explain to us that it was a balloon loan. We made our payments month after month, year after year, until last XX/XX/XXXX when we refinance our firstmortgage. The loan officer asked us if we wanted to include our 2nd mortgage to which I responded "  No, we have almost paid that loan in full. '' Then when we checked our balance we discovered that we sill had about {$33000.00} to pay. I called regions Bank and asked them about the balance and that was when we found out that it was a balloon loan. Is there anything at all we can do about it now? My husband and I are not stupid people but when I found out that we had been paying all these years and were almost at the end of the 15 years I almost literally had a 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 2017-08-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC
State: VA

Complaint narrative:
i am excemted on paying property taxes in my county. due to the terms of my mortgage my mortgage payments were going to jump from XXXX a month to over 3000.00 a month. i am on a fixed income. i can not afford that amount. i applied for a loan modification which was granted shortly after my application was submitted with all necessary documents such as verification of income proof of residency and verification/confirmation that i do not in fact pay for property taxes. my hoemowner insurance is XXXX a year which should come to be XXXX dlls a month. when given the terms of the modification i was given a breakdown of the payment which is as follows. trial modification amount of XXXX principal & interest of XXXX escrow ( taxes and insurance ) XXXX i should only be paying XXXX a month for my escrow. when i called the lender to discuss the matterthey resuse to correct the problem and adjust the escrow to what it should be. i sent them the documents confirming i do not pay for property taxes numerous times and they never seem to have the document in file. i need authority to help me have the lender re analize the documents and pressure them to adjust my mortgage payment. they are wanting and trying to steal from me. thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Stellar Recovery, Inc.
State: NY

Complaint narrative:
I checked my credit history today ( XX/XX/XXXX ) and found that STELLAR RECOVERY was claiming that I owed {$440.00} to the original creditor of XXXX XXXX with an open date of XX/XX/XXXX. I have never had XXXX XXXX and do not owe this amount. I ask that it is completely removed from my credit history.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Under the new law effective XXXX XXXX 2017 any public record data must include Name, Address as well as SSN or DOB in order for it to appear in your credit file. The credit bureau has not updated information per the new law. The bankruptcy XXXX listed does not include this information and should be deleted

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 2017-08-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
I never signed anything with Naivent

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: WELLS FARGO & COMPANY
State: WI

Complaint narrative:
Wells fargo account number XXXX. I did purchase 2 gift cards for total of {$1000.00}. They were not given to me by the merchant. Wells fargo " resolved '' my dispute by stating since I did purchase the gift cards I must pay for them. Buy if I have never received them why I need to pay for them??? 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 2017-08-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Under the new law effective XXXX XXXX 2017 any public record data must include Name, Address as well as SSN or DOB in order for it to appear in your credit file. The credit bureau has not updated information per the new law. The bankruptcy XXXX listed does not include this information and should be deleted

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Under the new law effective XXXX XXXX 2017 any public record data must include Name, Address as well as SSN or DOB in order for it to appear in your credit file. The credit bureau has not updated information per the new law. The bankruptcy XXXX listed does not include this information and should be deleted

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