vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-07-27 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: JPMORGAN CHASE & CO.
State: KS

Complaint narrative:
In XX/XX/XXXX, I leased a XXXX XXXX for my daughter. All payments were made on time. I received the paperwork for the end of lease along with the amount I needed to pay for the residual and the sales tax. I sent my check to them along with the requested paperwork on XX/XX/XXXX and they cashed my check on XX/XX/XXXX. To date I have not received a title. Many phone calls resulted in being told everything is in order and I would get the title soon. On XX/XX/XXXX I was told the title would be mailed on XX/XX/XXXX. Still no title. On XX/XX/XXXX, I called again and was told they would have to order a duplicate title from the state of Kansas. Today, I called the Kansas Department of Motor Vehicles in XXXX, KS and was told that JP Morgan Chase ( dba XXXX XXXX ) had never send a " release of Lien '' document, so no title had been issued. In Kansas, the title is electronic for a lease or lien and is only issued after the lease is ended or the lien is paid off.
There is no good reason, save for incompetence, why I have not received the title to the car I have fully paid for. A very nice lady, XXXX XXXX, said she would help me on XX/XX/XXXX. To date she has not called me back nor does she answer her phone messages. What do I have to do to get the title for the car?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-27 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: N.A.R., Inc.
State: CO

Complaint narrative:
The collection company NAr ( north American recovery ) never provided me with the documentation on the Medical bill they were collecting for. IN order to remove it from my Credit Bureau I just paid the debt in full of {$1400.00} on XX/XX/17 I was told by XXXX who processed my credit card it would take 24 hrs before they could send me a receipt it was PIF. I never received any documentation I contacted NAR XX/XX/17 spoke with Supervisor XXXX XXXX. Explained I never received a PIF notice. She said it waould be faxed that day. Again it was never received. I called & asked for XXXX XXXX, was told she was unavailable so I left a voicemail with my info & explained I never received a fax or email for the PIF doc. Again no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-27 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I subscribe to Transunion for daily score updates and credit protection. On XX/XX/XXXX, I checked my credit score with TransUnion and it was XXXX. That evening, I received an email saying there was a change on my credit report and that I should log into my account to see why. On XX/XX/XXXX I logged into my account and noticed that my credit score went down 35 points to XXXX. There was no change in my credit report from XX/XX/XXXX, though, as the email stated. I called Transunion customer service several times and no one could explain why. I was put in touch with a supervisor and she could not explain the change either. In broken English, she said it was " due to the factors ''. When I told her that the factors did not change from yesterday she said they did. She stated that I had a delinquent account. I asked her which one and she refused to tell me. She directed me to the online group and they looked at my report and found no delinquencies. I downloaded another credit report from XXXX and XXXX. There were no delinquencies. Everyone I spoke with at Transunion could not explain why my score went down.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: IL

Complaint narrative:
in 2016 i went thru a hardship i am single parent. i asked penny mac to do a loan modifaction.The under writer was XXXX XXXX, i had two jobs at that time to try to get caught up on things. i had everything i needed to get it done ..She forgot to add it XXXX XXXX XXXX paystibs all together!!! and with out that i did not qualify, so i said wello its your mistake, redo the file and add that income back in. XXXX XXXX from pennymac said no file was closed and new file would have to be open. This is my home! That was a huge mistake, she was rude and seemed as if i was bothering her. So i reopened another file. Working through XXXX.Faxed over all the paper work my dad and i thought penny mac needed, they asked my dad to co sighn even though he does not live here and they asked for a letter stating he does not contribute to the bills. XX/XX/XXXX we had a phone conference with penny mac, home start, and myself and XXXX XXXX from from penny mac states he does not have paper work.In the mean time i called XXXX XXXX my point of contact at penny mac and offered to make a large payment XXXX $ to get caught up on payments, i received part of an inheritence and explaned i am also expexting a large settlment soon from auto accident and will be able to get caught up. He said no!!!! Are you kidding me? i really feel like penny mac is jerking me around and trying ton forclose on my home because now i am so far behind and they keep adding these attorny fees. i reaally feel i nmeed help here.my dad is willing to co sign we fax over paper work to them this is ridiculous,

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-27 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: EQUIFAX, INC.
State: WA

Complaint narrative:
Equifax is reporting 4 accounts in collection, and unpaid. All 4 accounts have been paid in full over a year ago. all 4 accounts are listed as unpaid medical. Equifax is also reporting my credit card balance incorrectly. Please update my credit card balance correctly. I did not give authorization for the following credit checks. > 1. XXXX > 2. XXXX > 3. XXXX > 4. XXXX > 5. XXXX In addition to the above credit inquires there are lots of old hard credit inquiers showing on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: FL

Complaint narrative:
I had the Firm of XXXX XXXX XXXX, represent me in my loan modification for 3rd time, I had a loan modification done with XXXX XXXX XXXX in XX/XX/XXXX, legal and notarized I made the payments according to the Loan Modification Account No : XXXX dated XX/XX/XXXX it was a loan modification way before every consumer affected by the XXXX XXXX Fraud to millions of consumers, we took the case to XXXX courts on case No : XXXX, and had 4 legal defense attorneys proving the lender did not have the Title or Note, the judge clearly took the Bank side and the illegal transfer they did after XXXX XXXX XXXX went Bankrupt, it has been 9 years of complete nightmare I am senior citizen XXXX XXXX Veteran, and I have seen how the Banks manipulate their paper and interest, I just viewed a Title report that is Fraud in order to do a Foreclosure Sale on my home next week XX/XX/XXXX, it was done by XXXX XXXX, ( aka ) XXXX XXXX by XXXX XXXX XXXX Report Date : XX/XX/XXXX report No : XXXX, they lied and did not report I was the Owner on the property as shown in XXXX Property search and did not filled the information on sales and transfers done with my property as XXXX XXXX Clerk of the courts shows, I ca n't believe that corporations are doing Fake Titles for Mortgages in order to sell the homeowners only home, even with a filed XXXX on record of the court they laugh and continue to do Fraud, I sincerely hope that your agency could place a stop by your powerful office from the US Goverment and help me out on my desperate situation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-27 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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
XXXX, XXXX in XXXX XXXX, IL .... sent me a letter saying I owed {$610000.00} ... .on a credit card debt that was dismissed during a bankrupcty in a case that started in XX/XX/XXXX ... ..got a letter in the mail on XX/XX/XXXX ... said they were trying to contact me for years ... this was the first letter I have received ... The said they were going to sue me and get a judgement on everything I own and attach my wages ... .. I called them and they said they would accept {$3100.00}. I am XXXX years old and I do n't want to be sued ... .did n't realize at that point it was included in a bankruptcy that was filed in XX/XX/XXXX ... I paid {$300.00} to them upfront and said they would not sue me if I paid the balance in 10 days.. after that, I realized that it was included in a bankrupcty .... I called back and talked XXXX XXXX was screaming at me, said now the entire amount is due ... .she hung up on me ... I was just trying to determine what this was about ... I have copies of my bankrupcty papers ... which includes the XXXX XXXX credit card ...

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I receive alert on my XXXX XXXX portal that XXXX , XXXX of XXXX XXXX, CT.XXXX Contact XXXX pulled my credit XXXX and there is XXXX hard inquiries on my credit report with Transunion , XXXX and XXXX. Why XXXX XXXX not reporting accurate information? Is this a Retaliation from my file Federal Government complaints against XXXX XXXX? There should only be XXXX inquiry from XXXX , XXXX not XXXX inquiries. XXXX hard inquiries is listed for XXXX XXXX,2017 My VA Loan agent only pulled my credit one and she is with XXXX XXXX XXXX XXXX in XXXX, Florida. She is a excellent Military Veterans supporter and very experienced in credit matters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I receive alert on my XXXX XXXX portal that XXXX , XXXX of XXXX XXXX, CT.XXXX Contact XXXX pulled my credit XXXX and there is XXXX hard inquiries on my credit report with XXXX , Equifax and XXXX. Why XXXX XXXX not reporting accurate information? Is this a Retaliation from my file Federal Government complaints against XXXX XXXX? There should only be XXXX inquiry from XXXX , XXXX not XXXX inquiries. XXXX hard inquiries is listed for XXXX XXXX,2017 My VA Loan agent only pulled my credit XXXX and she is with XXXX XXXX XXXX XXXX in XXXX, Florida. She is a excellent Military Veterans supporter and very experienced in credit matters.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-27 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: FL

Complaint narrative:
I am set up under a interest reduction plan and my payments are {$200.00} which is due on the XXXX of each month. I was informed by Navient that the only way I can be enrolled in this program if I set it up on auto payment with my checking account. Well I have faithfully made my payments on time for two years but I have found myself in a financial burden from time to time so XX/XX/XXXX, 2017 was late and it made my checking account overdrawn because the money was not in the account but the payment was paid on XXXX XXXX, 2017. The problem occurred when Navient took out another payment of {$200.00} on XXXX XXXX, 2017 even though the XX/XX/XXXX payment was paid on XX/XX/XXXX. I contacted Navient and everyone i spoke to told me they had no record of tht payment. So when I spoke to supervisor she informed me to send the bank statement showing tht they took the payment out on XX/XX/XXXX ans proof that my checking account was overndrawn and they will reimburse me for the {$37.00} overdraft fee. I sent in the bank statement and highlighted the payment that was taken out as well as the over draft fee. I followed up with Navient to ensure they received the documents and the agent informed me they did and filed for the reimburement then informed me i should receive the reimbursemetnt within 7-10 business days after the 10th business still not reimbursement. My other problem I have worked with Navient for years my account is up to date but I feel that I am being taking advantage of when I took these loans out I was young but I accepted my mistake but I do not feel this company Navient which was once known as XXXX XXXX should continue making my life miserable please help! I am desperate i work full-time and i try my best to pay all of my bills on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-27 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: Fidelity National Information Services, Inc. (FNIS)
State: TN

Complaint narrative:
I learned from authority and being under investigation that am a victim of identity theft. The FBI told me it 's an inside job. My drivers license have been stolen with the names XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX. My date of birth have been changed with all three credit agencies. All of my former employers have been changed. My social security card have been stolen. I 'm using my maiden name, which is XXXX. A seven year fraud alert have been placed on all three credit agencies. XXXX XXXX once lived with my late father XXXX XXXX XXXX. She knew he was my emergency contact, prior to his XXXX and was stealing my mail. XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX are sisters and they are working together. In 2005 I filed a XXXX XXXX law sue. My XXXX was prepared by them without my knowledge. Credit was being abused while I was under wage earner, my rights was violated under the wage earner courts. The case number for the law sue is XXXX. XXXX XXXX XXXX. Tax returns are being filed using my personal information. Fraudulent transitions are being reported to IRS. XXXX-mortgage statements.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-27 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
I had an account in good standing with Care Credit ( Synchrony Bank ) for pet medical bills from approximately XX/XX/XXXX to XX/XX/XXXX. At which time I owed {$610.00} and my credit limit was {$800.00}. XX/XX/XXXX, I missed a payment, but paid extraXX/XX/XXXX. XX/XX/XXXX I missed a payment, but paid extraXX/XX/XXXX. During that time, I was always paying well over than the minimum {$25.00} per month. However, I balance started increasing in XX/XX/XXXX. Due to some XXXX XXXX  issues, I found it necessary to leave my residence and did not get all my mail and was emotionally unable to address the discrepancies in the billing. I later lost my job due to emotional distress and was unable to pay any bills at all for awhile. This is why I had not contacted the company directly to discuss why my balance kept going up, when I was paying more than the minimum required. After several months of not paying, the Care Credit increased my credit limit to {$1800.00}, without my knowledge. Also without further contact, I received a court summons two days before the court date which stated I now owed {$1000.00} with interests and Plaintiff 's court costs. Care Credit ( Synchrony Bank ) only provides a mailing address on the few statements I have, and no phone number to inquire as to how my bill increased so much and why they increased my credit limit without my permission or knowledge. I have no explanation as to why this happened and no documentation from then that explains it, other than I can assume they did this so that they can collect more money than what I owed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-27 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Ditech Financial LLC
State: NY

Complaint narrative:
In year XXXX, I had taken a loan amount of {$62000.00} to open up a XXXX in New York. Initially I was delinquent on my payments because my XXXX was n't doing good. In XXXX, I was approached from debt collector company called Green Tree Servicing LLC ( XXXX XXXX XXXX ) and was given the chance to consolidate {$60000.00} of my debt to {$21000.00}. I took the opportunity and paid off the debt in the following two years. I have a settlement letter and bank statements showing that money was taken out of my account. Two weeks ago, I got served with a Foreclosure notice from Debt Collector company XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ) requesting an amount of {$62000.00} to be paid off or they will foreclose my home to collect the debt. I want to file a complaint against XXXX XXXX XXXX company for attempting to collect debt that was already paid off.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TD BANK US HOLDING COMPANY
State: IL

Complaint narrative:
On XXXX XXXX 2017 my credit report was pulled by Target, which was not authorized. There is a consumer statement on my credit report requiring all lenders to call me before extending credit in my name. Target called and I told them I did not request a Target Credit Card nor did/do I give them authorization to pull my credit report. I instructed them to remove any inquires from my credit report, which still has not been done.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: MI

Complaint narrative:
FedLoan Servicing is the worst company I have ever dealt with. They have terrible customer service, do not follow the law when it comes to the terms of forgiveness programs, and put my account into delinquent status for 2-3 weeks every month because they do n't process payments in a timely manner.
My current issue relates to making loan payments with my XXXX XXXX XXXX XXXX. They ca n't seem to process these correctly. I have to call several times each month to check on the status. I am currently on the phone with the 4th person I 've spoke to this month about my payment made on XXXX/XXXX/2017, which they have apparently " lost ''. This is the first person that stated the payment is not showing in their system. The other 3 stated that it would be processed soon. The payment they have no record of. Did those 3 even look at my account?
Additionally, they have cheated me out of almost 3 years of qualified payments under the Public Service Loan Forgiveness Act. They refuse to follow the policy in the PSLF documentation in terms of awarding up to 12 months for lump sum payments made with the XXXX XXXX XXXX. I have been calling them about this issue for months and they refuse to do anything about it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Helvey & Associates, Inc., Warsaw, IN Branch
State: FL

Complaint narrative:
I received a letter from Helvey & Associates , Inc. for an alleged debt that I do not owe. When I called Helvey & Associates they were rude and hostile towards me in flagrant violation of the Fair Debt Collections Practices Act. I do not want any further communication from Helvey & Associates in any form. I do not owe them any alleged debt. They have flagrantly violated the Fair Debt Collections Practices Act with their abusive and hostile debt collection practices.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Said I could n't cash out due to insuficant funds then my bank charged me over draft fees shortly after on XXXX XXXX, 2017

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 monetary relief