vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-02-11 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
I received a bright green notice on the front of my property from the Tax collector ( XX/XX/XXXX ) indicating that my property was up for auction in XX/XX/XXXX, due to non-payment of taxes for XX/XX/XXXX/XX/XX/XXXX. I have all my taxes and insurances escrowed in my mortgage payment which I have never missed since purchasing the property at the end of XX/XX/XXXX. I attempted numerous times to contact XXXX XXXX XXXX XXXX and they referred me to the tax collector -- and I never was able to get a resolve because the taxes were not paid and the tax collector stated I needed to settle this with my mortgage company. After several months I became increasingly concerned - having checked my escrowed amounts online and seeing that all was escrowed in properly. I contacted a lawyer to assist me. During the course of his investigation he stated that finally the tax collector had a long conversation with XXXX XXXX which stated they had actually mistakenly applied the tax payments on the property to a parcel listed under my address but in a different location???? How can that be? Suddenly, my taxes all were paid within a week. Thinking this was resolved, I was relieved. The next mortgage bill was drastically higher - $ 900+ which showed that they actually " fronted '' my " shortage '' of paying my taxes and now required me to pay an additional {$900.00} a month in my mortgage payment til I am " caught up '' at the end of this year. The total they stated was the amount escrowed that they stated was paid by them on the late taxes. I have paid a lawyer over {$3000.00} to not be resolved yet. I paid my mortgage amount in XX/XX/XXXX and they cashed my check but still showed I am in arrears on the amount they say I owe them. I just received a notice from them that they will no longer accept any amount of mortgage lower than their required amount of over {$2700.00}! I have forwarded all this information and documentation to my lawyer who is trying to get this resolved but has not yet succeeded. I also had received a letter from the " Chairman '' stating that they were looking into this and would let me know the results. I have yet to hear a result. My lawyer has requested XXXX  audit my account and has not been given any results as well. They have admitted to improperly paying my property taxes that were escrowed into my mortgage on a parcel that was listed as my address but was not my property? This is fraud. Now I am being forced to have my credit ruined due to their error and am locked out from paying my mortgage by them. I need help! I need this to be resolved before my credit is ruined. I have a monthly lawyer bill and he can not even get a resolve after nearly 6 months as well as now a " late fee '' on my mortgage payments each month for the " overage '' they say they paid for me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-02-11 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: WI

Complaint narrative:
On XX/XX/XXXX I received an alert stating there was potentially negative information on my account. I called the credit monitoring company who stated I needed to call the lender. I had to wait until XX/XX/11 to do that. I called the lender who stated they had no record of the reported account in my name, so recommended I call the credit bureau. I called the credit bureau and could not get through to a person. I called the credit monitoring company again who gave me a different number to call stating it was for a live person. It was still for a recording and I could not get through to a person. I started a dispute online and they gave me yet a different number to call because it appeared to be fraud, but I could not speak to a person nor could I enter any information about my situation. I was on the phone for 45 minutes before the computer system disconnected me. I have also yet to receive a confirmation of the online dispute or that it has been received.

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 2019-02-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
Ive been banking with Chase Bank for 10 Years I have a checking account and two credit cards. I do Direct deposit with them I get paid every week on Friday with Chase but I've been on XXXX from work its been harder to pay the bills but Chase Bank closed my account XX/XX/XXXX. I called Chase to ask them why they said I'm bad for Business and they get to pick there customers. I was never told by Chase Bank how I can stop over drafting i was getting hit with {$35.00} fees I can't look at the total but add that all up I'm at {$1000.00} in fees. Chase Bank should of helped me not robbed me and they kicked me out there door. I was never told that if I over draft in my checking account have a savings, overdraft peotection, link an account or link a credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-11 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Confusing or misleading advertising
Company: Manhattan Beach Venture, LLC
State: TX

Complaint narrative:
I am continually contacted by a student loan lender wanting me to consolidate my loans. The company is " The Student Loan Relief Department '' and they leave messages that are deceptive in nature. In general, the name seems to be deceptive in nature as well. The company calls and leaves messages that lead the consumer to believe that they are your federal student loan lender and need to talk to you about your loan to entice you to call them back. Their name and practice of their advertising/marketing is misleading.

Company response to consumer: Untimely response
Consumer complaint received 2019-02-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: General Motors Financial Company, Inc.
State: PA

Complaint narrative:
I've sent letters to this company three times now this is the next step to get them to answer me. i mailed a letter dated XX/XX/XXXX they never responded. I then mail a second letter XX/XX/XXXX. They have not provided me with any information showing that this account belongs to me at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-11 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ORG GC GP BUYER, LLC
State: PA

Complaint narrative:
This is the third letter and 18 phone calls. I have told them not to call and phone registered on do not call list. Based on a lawyer who had a handling case. They keep sending or calling me and telling me I owe on student debt. All my debt was consolidated in XXXX. Both private and federal and was confirmed by my consolidation company. In the last letter, they now have threatened me to take me to court, file it with the credit bureau and take money out of my income. That they have the legal right to collect on this debt from XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA
State: NJ

Complaint narrative:
I sent Kia a payoff check for the entire amount and they reported me 30 days late twice in XX/XX/XXXX and XX/XX/XXXX. How is that possible? I called Kia and told them and they said they possibly made an error but I would have to dispute it. I am not sure why they couldn't just fix it over the phone. I am in the process of going for a mortgage and this is affecting me. I even attached a screen shot as to how the account is being reported and the date of last payment is different on each credit report which goes to show me that Kia is not doing their job. Even the past due amount is different on each credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-11 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: CITIBANK, N.A.
State: NY

Complaint narrative:
I have a situation where Home Depot is reporting on my credit for a transaction that was cancelled. This transaction is now reporting on my credit and hurting me both financially and personally. I have been writing home depot for years now and they continue to report this account while in dispute and their intent is to hurt and damage my credit reputation. 
At this point I am in correspondence with an FCRA to look at how the bureaus handled this investigation and he will investigate home depot 's process into this issue. This is an account that was charged interest and fees for a cancelled transaction. This is a disputed inaccurate account that is on my credit and needs to be removed. This is an violation of several laws including section 1681 ( i ) ( a ). There needs to be a reasonable investigation into this dispute matter AND its the bureaus responsibility to go beyond the original source. 
Please see attached information.

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 2019-02-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have inquiry 1 inquiry from XXXX reporting to my TransUnion report and i I have 2 inquiries from XXXX reporting to my XXXX and 1 inquiry from XXXX   XXXX/XXXX. i believe these company are in violation of my consumer right as i have never done business with them before. Please verify the accuracy of these data being furnished to my report and please remove them as soon as possible. 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 2019-02-11 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TD BANK US HOLDING COMPANY
State: TX

Complaint narrative:
The balance they are reporting on my credit reports are wrong. Td is reporting I owe XXXX but the debt collection company is reporting XXXX please report accurate information or delete

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc.
State: GA

Complaint narrative:
New escrow analysis reflected inaccurate payment dates for taxes and insurance to create a larger shortage that I believe will actually exist. The new escrow amount will add another approximately {$150.00} to my monthly mortgage. If the actual dates when I pay my taxes and insurance are the same this upcoming year as they were last year, then believe it should only go up by approximately {$50.00} per month. For instance, I paid my city and county tax in 2018 in the month of XXXX. The new escrow analysis has me paying them in XXXX, artificially inflating the shortage I believe.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: KS

Complaint narrative:
My loan was previously being serviced by XXXX  XXXX XXXX # XXXX. I began receiving communication that i was two months behind on my mortgage payments and, immediately, attempted to contact the servicing department to get clarification on the dates that were missed as I have ALL of my cancelled checks. I had asked, on numerous occasions, for them to provide the dates that they show were missed so that I could provide the correct documentation. On each occasion I was told that they could NOT provide a detailed payment history but they continued to send letters and report their information to the credit reporting agencies. On XX/XX/XXXX I received a letter that my servicer was being changed to Specialized Loan Servicing LLC. ( stating that any payments sent after XX/XX/XXXX should be sent to them - albeit sent 11 days AFTER payments should be sent to them ) On XX/XX/XXXX I started receiving letters, again, that I was " seriously '' delinquent on the mortgage. They were contacted, immediately, to request a payment history ( again ) so that I could provide the correct documentation. After I was told that they could not provide a payment history ( even though they would have received all of the documentation from my previous mortgage with XXXX XXXX XXXX ) they provided a payment history from XX/XX/XXXX to XX/XX/XXXX, with corresponding late charges. On XX/XX/XXXX I received a letter that they were going to begin foreclosure proceedings. THIS is in violation of the, most recently updated, RESPA servicing rules in that my mortgage would have to be 120 days delinquent in order to begin foreclosure proceedings. Not including the fact that the company must also provide loss mitigation options which I have never received AND do not need as I just need to know where they believe I became delinquent! In addition, ALL corresponding late charges and any, negative, reporting to the credit bureaus should be removed. This is a perfect example of why the RESPA rules were amended to assist consumers with servicing companies that continue to take advantage of them. Please feel free to contact me for further information.

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 2019-02-11 00:00:00
Product: Debt collection — Private student loan debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Navient Solutions, LLC.
State: MO

Complaint narrative:
XXXX XXXX has been trying to collect a debt that is completely not accurate at all. But recently, they have been contacting me at work-which will get me fire. The first call that came through, which was two weeks ago. I asked them then to stop calling my work, they just hung up on me. This last week they have contacted my work 3 times, leave a voicemail twice. One the third call, I was able to speak with the rep and she stated they would continue to call because that's the only number they had. Which is a lie, because they call my 3 to 4 times a day. The rep was rude and told me that If I didn't want the calls, I should just pay. 
The debt that they are trying to collect is from XXXX XXXX in XXXX XXXX XXXX. The reason this debt is completely inaccurate is because XXXX XXXX is telling me that I never filed the necessary paperwork to leave school. This is not true at all, I had a mental breakdown AT SCHOOL-and the XXXX staff/ department are the ones that filed that paperwork for me. Because they filed the paperwork, the housing department was notified and help me gain access to all of my paperwork and turn in my keys. Every time this debt gets transfer, I have to resubmit the paperwork to XXXX XXXX and they pull the account back from the collection company. We do this dance every year.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: SC

Complaint narrative:
XX/XX/XXXX Mailed in disputes to credit bureau ( XXXX, XXXX, and XXXX   ) for unknown account at Portfolio Recovery Assoicates and XXXX XXXX ( XXXX   ) for amounts of {$590.00} that appeared on my credit report. 

XX/XX/XXXX Mailed certified letter to Portfolio Recovery Assoicates and XXXX XXXX ( XXXX  ) letting them know that account was not opened by me and ask for signed contract of me agreeing to this account. All they sent back was Summary of account statements and that is not accurate. 

XX/XX/XXXX Mailed all information to credit bureau ( XXXX, XXXX, and XXXX ) asking them to delete information due to account is not verifiable and not accurate and its still reporting on credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: TD BANK US HOLDING COMPANY
State: NH

Complaint narrative:
I went into the branch near by my employer to withdraw {$40.00}. The teller informed me I didn't have enough funds available. I spoke with XXXX XXXX, who had informed me that I somehow had been enrolled in their " Debit Card Advance '' program, meaning even if I do not have the funds to cover my transactions, the bank will cover the charges for me and charge me a {$35.00} fee each time. I thought this was odd considering I experienced a huge problem with this program in the past and was certain not to be enrolled, but I kindly asked Mrs. XXXX to un-enroll me from that option, she stated she had. Just a couple days later ( only 24 hours after my employment direct deposit was made in the total amount of {$950.00} ), my card was declined at a local grocery store. I attempted to check my account via my TD Bank Mobile App and I received an error of " too many login attempts, try again later ''. This was strange, I use " face recognition '' to login. I was unable to view my transactions all weekend. I called the number on my card and was on hold to speak to a rep for over 114 minutes each 21 times I called. The following Monday I went into the XXXX branch yet again and spoke with Mrs. XXXX yet again, and she had informed me that I was again, enrolled in the " Debit Card Advance '' program ... ... AGAIN! She un-enrolled me and informed me there was nothing they could do regarding the fees acquired and recommended I contact the number on the back of my card. I did and they refused. Still unable to view transactions I asked the rep how much the fees totaled, he replied : {$230.00}. It wasn't until yesterday ( XX/XX/10 ) when I was finally able to log on to the mobile app did I see the actual amount of fee 's I was charged for. In a 7 day period I was charged {$930.00} in overdraft fees!!! I have spoken to the reps inside the branch itself and via " XXXX '' number, including supervisors. They all refuse to credit me back the obscene amount of fees they CONTINUE to charge me. I have captured screen shots and statements of everything!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-11 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: TX

Complaint narrative:
*Racketeering and RICO violations complaint of Shellpoint Mortgage Servicing* *On XX/XX/XXXX I submitted a complaint ( Complaint # XXXX ) about Shellpoint Mortgage Servicing, LLC XXXX XXXX XXXX  XXXX XXXX, XXXX, TX XXXX Phone number : ( XXXX ) XXXX * My main complaint, of multiple complaints was that the former owner of my mortgage ( XXXX XXXX XXXX ) had already agreed to do an " assumption of novation '' in order to simply remove my ex-spouse 's name off of the mortgage. I was told Shellpoint Mortgage Servicing, LLC would be require to preform the simple task of a " assumption of novation ''. Instead of addressing this directly, they are saying that the divorce judge requested I refinance the home. The judges orders are that I simply have my ex-spouses name removed from the mortgage deed. The judge does not care how this is done and a assumption of novation is the easiest way to accomplish this. 
*Shellpoint Mortgage Servicing, LLC is not even a true mortgage lender, but is a debt collector mortgage foreclosure company. They have little interest in " servicing '' your mortgage. They only want to charge you over the top interest rates and then their finale goal is to take your home. Example : A year and a half ago my ex-spouse requested a modification with XXXX XXXX XXXX. She got it.It 's now owned by Shellpoint. We were only behind around {$8.00}. Only {$8000.00}! My wife and I were coerced into this insane modification by XXXX XXXX XXXX! We were told that we had to do this modification because otherwise, they would start foreclosure proceedings immediately. I'm claiming racketeering/RICO violations here. We only owed XXXX {$8000.00}, but the modification charges me {$800.00} a month for 5 years ( 60 months ) which they admit. That's over {$46000.00} for a {$8000.00} loan. See RICO violations. 
*I am willing to overlook this for the time being if Shellpoint gives me " assumption of novation '' to remove my ex-spouses name from the mortgage which my lawyer says is okay with the divorce judge. That's what I need done ASAP please. As I was promised. * The response to my initial partial complaint # XXXX that they never reported any late payments to any credit reporting agency is a partial lie by Shellpoint. They may not have reported it, but the mortgage companies I've contacted about refinancing call Shellpoint and are told I have multiple late payments. Thus, I am unable to refinance my home ( Even with 18 months of on time payments and a high income! ) because of Shellpoint 's saying I have late payments which is false.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
I got some credit cards from XXXX  XXXX but I couldnt pay them no more they went to collection agency which is forfolio recovery and now they call me every day

Company response to consumer: Closed with non-monetary relief