vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-10-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
BANK OF AMERICA WRONGFULLY AND ILLEGALLY FORECLOSED ON THIS HOME Banks are n't supposed to foreclose on homeowners until they 've exhausted all available loss mitigation options. Per one of my conversations with the Escalation CEO office Department, XXXX XXXX on XX/XX/XXXX, the file WAS in an evaluation process. Currently there is a scheduled sale date set for XX/XX/XXXX and we feel that the sale should have been postponed due to the ACTIVE MODIFICATION REVIEW. Even if the modification were to be denied a few days or hours before the foreclosure sale, the homeowners still has the right for a 30 day appeal time frame or to decide whether they want to do a Short Sale, Deed-in-lieu or reinstate the loan. NONE of these options was granted to the homeowner and this is violating the laws. Only 10 days before the foreclosure sale ; Bank America needed a new updated signed RMA form, Homeowners association statement and the breakdown of the payments for the creditors on the bankruptcy, and the XX/XX/XXXX income tax returns. Why did the representative, XXXX at Bank of America, neglected to tell me that even though they were asking for more documents, that it really did not matter since the sale date was only 10 days from now and that per FHA guidelines, all the documents needed to be turned in 37 days before any foreclosure sale? WE DID NOT EVEN KNOW OF MORE DOCUMENTS THAT WERE NEEDED 38 DAYS AGO, UNTIL 10 DAYS BEFORE THE SCHEDULED FORECLOSURE SALE. I called Bank of America, and was confirmed that all the documents were received and that the file was in the underwriting department and that a postponement request had been submitted since all the documents were turned in. An appointment was scheduled with XXXX XXXX, the single point of contact for XX/XX/XXXX. 
On XX/XX/XXXX, I spoke to XXXX XXXX, for which he advised me that all the documents were turned in with FHA and that a postponement was submitted that past Friday XX/XX/XXXX and that the chances of the sale to be postponed were " pretty good since all the documents were in '' Nobody during our previous conversations, including XXXX XXXX, had told us about that specific 37 day time frame plus of any other documents needed until about 10 DAYS BEFORE THE FORECLOSURE SALE DATE. 
It 's not supposed to work that way. Under the federal program, which requires servicers to follow a set of guidelines for modifications, servicers must give borrowers a written denial before foreclosing. Bank of America is breaking the laws and not abiding by them.

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 2017-01-17 00:00:00
Product: Credit card — 
Issue: Payoff process — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
CitiCard changed my credit report XXXX 2016 without notifying me. I called the number to request per the XXXX Fair Debt and Practices Act to send me a company letterhead with the amount they stated on the credit report as past due agreed as full settlement and once payment is received a confirmation letter of receipt and complete release would be mailed back to me at the address on file. Due to Identiy Theft several times in my life, I no longer give social or birthdate info where it is not required by law. CitiCard refused to send me the requested bill paying letter above without the personal info even though i had the last payment, address on file and other ways they could have checked. How can you help me pay the balance with complete release?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-16 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
disputed to Trans union on XXXX/XXXX/XXXX XXXX account remaining on report as open. Account was paid XXXX/XXXX/XXXX. Trans union replied XXXX/XXXX/XXXX in one section on XXXX dispute page marked closed however were it was prior on credit report after the dispute marked paid XXXX balance now the credit report is marked it open and the balance that was due on XXXX/XXXX/XXXX. I called trans union today they claim no prior dispute. I asked if there is no prior dispute how would I have a File # for a prior dispute. As you can see they are sloppy at best. Now my report is a mess and they seem unable to figure out what they are doing.

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 2017-01-26 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: BMW Financial Services NA, LLC
State: CT

Complaint narrative:
Payment was mailed on or around XXXX, check number XXXX in the amount of XXXX to BMW Financial Services. This is for XXXX XXXX loan account, now closed, vehicle totaled on XXXX XXXX XXXX. As of today, XXXX, check has not been cashed or returned back to me. Please note, XXXX is a settlement amount good until XXXX and if payment is missing I will need an extension to allow more time to make another payment. The check was sent to address provided to me by BMW Financial Services rep, do not have her name available to me. Due to a cease and desist on the account, reps are not able to confirm receipt of payment or discuss anything else on account. Please advise BMWF to check their records for payment, if received or not, return it if there is a problem. Also, I will need an extension to resend payment if deemed missing.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
After graduating I had family issues and was n't able to start paying on my loans. Then I had XXXX and was out of work. I was told to go in forbearance every time I could n't afford to pay and after my forbearance ran out I was told to defer my loans. However, no one ever asked if I could afford to pay something that I was able to at that time. I now have all of this accrued interest which is insane. I get another call from Navient telling me my loan is past due. NOW they are willing to do an IDR?????

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
I have been trying to refinance my mortgage but due to how my student loans are being reported to the credit bureaus I was not able to get approved. The loans are being reported with an original credit limit amount, however the balance has grown much higher to the original amount due to interest being capitalized during my deferment. It appears to my credit report that I have exceeded my credit limit which negatively impacts my credit score to be approved for refinance.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-30 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ERC
State: MS

Complaint narrative:
A year ago I started getting phone calls at home for someone not living at my home. I told the first caller there was no one with that name at my home. The calls continued, but I never answered and turned off my answering machine. On XXXX XXXX XXXX, I received mail for the unknown person, which was a collection notice from ERC, a collection agent for creditor XXXX XXXX XXXX XXXX. My city does not have XXXX as a provider for any utilities. I logged a complaint with the XXXX, since the local police could not assist as identity theft had not occurred. I have been receiving aggressive phone calls from several different callers as the debt may be going from one collection agency to another. On or about the week of XXXX XXXX XXXX a second letter addressed to the same unknown person was sent to my home address and I returned the mail to the sender unopened.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2017-03-24 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: AVANTE
State: FL

Complaint narrative:
I am disputing the above-referenced debt. Please verify this debt as required by the Fair Debt Collection Practices Act ( FDCPA ) ( Section  XXXX  ) and   XXXX   XXXX    XXXX  Administrative Code ( section  XXXX  ).   XXXX   XXXX    XXXX  regulations require all debt collectors to send specific written documentation verifying the debt. Under section  XXXX  of the Rules of the   XXXX   XXXX   XXXX   XXXX  , verification requires all of the following : Proof of my agreement to pay the original creditor ; A copy of the final account statement issued by the original creditor ; A breakdown of the total amount due, showing principal, interest, and other charges ; and For all other charges, the date of and basis for each charge I dispute this debt because I DO NOT OWE THE DEBT nor RECOGNIZE SUCH DEBT, and I never received such service for which I 'm being charged in the first place.   Because I am disputing this debt, you should not report it to the credit reporting agencies. If you have already reported this debt to the credit reporting agencies PLEASE NOTIFY THE CREDIT REPORTING AGENCIES THAT THE DEBT IS BEING DISPUTED AND/OR DELETE THE TRADELINE FROM MY CREDIT REPORT. Reporting information that you know to be inaccurate, or failing to report information correctly, violates the FDCPA and the Fair Credit Reporting Act.   Aside from verifying the debt, do not contact me about this debt. The FDCPA and Rules of the  XXXX    XXXX   XXXX   XXXX   ( section  XXXX  ) require that you honor this request. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-06 00:00:00
Product: Credit card — 
Issue: Forbearance / Workout plans — 
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
I have a Care credit card from Synchrony Bank which I use for my XXXX expenses. On XX/XX/2016 I became homeless and I decided to inform my creditors about my situation. All the other creditors understood and worked with me but Synchrony Bank refused. I told them I only earn {$XXXX} a month from my XXXX. So, they decided I should go on the hardship program. However, they wanted to choose the amount and date of payment, but that is not possible because I get paid twice a month which is set by my employer. I kept calling and calling even before my debt became large ; hence, I was treated as if as was lying so I gave up because the little money I have to use for survival. Now, they have been call and call to collect a debt which I have no money pay for. What should I do?

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
Consumer complaint received 2017-03-24 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc.
State: FL

Complaint narrative:
On        XXXX   XXXX   XXXX    I requested a payoff of my   XXXX    XXXX   XXXX  that was leased through Chrysler Capital. I am in the process of purchasing a home and needed that paid off to qualify for my mortgage. I received a payoff from  Chrysler valid through  XXXX   XXXX ,  XXXX . To be on the safe side I overnighted my payoff to ensure that the payoff would be made on earlier then needed. I called and verified with my bank on  XXXX   XXXX  and was advised that the cashiers check had cleared on the  XXXX  of  XXXX . I received a bill of sale from Chrysler Capital the week of  XXXX   XXXX  along with the original title transferring ownership to me. On  XXXX   XXXX  my mortgage broker proceeded to pull my credit and we found that  Chrysler  had reported me late for the  XXXX  payment. This late payment destroyed my credit rating and I was not going to be eligible to purchase the home that I am in contract for and non-refundable deposits have been made. I called Chyrsler and they reviewed the account. Apologized for the error and assured me that they would correct it directly with the credit agencies as well as close out the account. No one could give me an answer as to why it still showed as open. I was told it would take  24- 48 hours to close out the account and 7 to 10 days for the credit to be co rrected. On  XXXX   XXXX ,  XXXX  I called Chrysler to verify that it was corrected and found out that they once again reported me late to the credit agencies and that it would continue to report late beciase the account still showed as open ... .with a past due payment. I was transferred to  4 different supervisors/managers and each one to ld me the  XXXX  department handles it and they would contact me once it was resolved. They did n't know why it happened and said it should be  24-48 h ours. I asked for a letter as proof to the seller of the home I was in contract for so that I could extend it and not lose my deposit and I was told that they under no circumstances provide and letters. No one could transfer me directly to the "  XXXX  '' dept. and I had no resolution after being on the phone for a little ove r 3 h ours. The amount of stress that this error has caused me is beyond what can be described. I need this account cleared up in time so that I do not lose my deposit on the home I am trying to purchase.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-01-26 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: CT

Complaint narrative:
I received a letter in a the mail about a debt I do n't recall. There were very little specifics. The address was correct, but the name XXXX XXXX is not correct. The most striking thing off all, was the charge-off date, which was XXXX/XXXX/2009. I was n't even of legal age to have that debt unless I inherited it. and still in XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-17 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: BMW Financial Services NA, LLC
State: CT

Complaint narrative:
Auto pay was supposed to be paused for this month, I spoke with two BMWF reps previously on different occasions, both stated auto pay was or supposed to be paused for this month and next month, continuing for the month of XXXX. However, a payment in the amount of XXXX was taken out today, XXXX, which caused me an overdraft fee in the amount of XXXX and was paid. The item was placed in dispute since I was told auto pay was paused previously, as stated before. The item is overdrawing my account and needs to be credited back, hence the dispute. I am paid up until XXXX, even without payment posting.. A rep by the name of XXXX stated he could look into crediting any fees associated with the payment taken from my account, the attach screen shot shows the two overdraft fees pending currently, in the amount of XXXX total, labeled at debit card authorization. I need XXXX credited back ASAP as well as payment in the amount of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-19 00:00:00
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: The CBE Group, Inc.
State: MO

Complaint narrative:
I told them that I filled chapter XXXX numerous of times and they keep contacting me. I give them the case # and the discharge date.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-18 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: PHH Mortgage Services Corporation
State: OR

Complaint narrative:
In XXXX XXXX, I was contacted by my current mortgage company, PHH Mortgage, asking if I would be interested in refinancing my home with a HARP loan. I was and we began the process immediately. Everything they asked me for was provided to them in 24 hours or less and I have the documentation to prove that. However, it is currently XXXX XXXX and my refinance is still not completed. This is Month 7 of this process. I complained to the supervisor of the individual once and she apologized. Several months later, I contacted her a second time and asked that the individual handling my refinance be removed and replaced with someone else, but she refused to respond to my email and voicemail messages I sent/left for her. I am completely devastated by this whole process. I could have gone with several other lenders, but chose to stay with PHH since they are my current mortgage company. I have spoken with many friends and family members and they are baffled by this length of time, and every single one of them chalk it up to incompetence. Please help me. I want to file a complaint.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-28 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I checked my checking bank account transaction history on XX/XX/XXXX and identified 17 suspicious {$20.00} charges to a XXXX reloadable gift card dating back to XX/XX/XXXX with the last one occurring on XX/XX/XXXX. I called Citibank to inform them of these suspicious charges and informed Citibank that I do not have a XXXX reloadable gift card and I did not make XXXX individual charges within a 1-2 month span. I disputed all XXXX charges and was informed that I would receive credit back for all while the bank investigated the case. I also received a new debit card and Citibank canceled the debit card in my possession due to it potentially being compromised. One week later, I noticed that I had only received credit for XXXX of the XXXX charges, so I emailed then called Citibank. I was told that XXXX of the charges were disputed but only XXXX were credited so far, and Citibank credited the XXXX other charges they told me had not been disputed. However, I received a letter indicating the XXXX that were disputed. So there are conflicting messages being told to me and, at this point, I have received credit for XXXX of the XXXX disputed charges. Beyond the annoyance of having to track and manage this issue on my own because Citibank got it wrong the first time, I fear their fraud detection and case management processes and/or people are proving ineffective.

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 2017-01-26 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: Navient Solutions, LLC.
State: PA

Complaint narrative:
When I called Navient to lower my monthly payments or temporarily postpone my payments so I can start saving my money they would not work with me. It was their way or nothing. Very upsetting and frustrating as I have other school loans and obligatory bills.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: WV

Complaint narrative:
I have a public record on my file that did n't belong to me but whoever used my SSN fraduently managed to get and my wages were garnished to pay it off. I 've disputed this to have it removed as it 's not mine originally but was paid in full and released by me XXXX and XXXX have deleted it but Equifax will not

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-01 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
This is in reference to case # XXXX. I have not received any correspondence from Chase since I received a letter dated XX/XX/XXXX where they admit their mistake and advised me I would have resolution within XXXX days. I have called and left a voice mail with XXXX and have received no response. In addition, after pulling my credit report today, it shows a large " past due '' balance which is not correct. XXXX is also showing that Chase has reported my payments late by 30 days in XX/XX/XXXX and XX/XX/XXXX as well as 60 days late in XX/XX/XXXX. Lastly, I have not yet received my XXXX tax form which I need to file my taxes. This form is " unavailable '' when I log into www.chase.com. I also have no faith in the actual amount that will be reported on this form since my loan is so messed up. I want an update on my loan and resolution to all of the issues I 've listed above.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-03 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Amsher Collection Services, Inc.
State: FL

Complaint narrative:
received notification from credit agencies that the collection account has been placed. I, then have tried contacting the collection agency on several occasions and requested a verification of debt in writing 4 times 3 months ago. To date I have not received a response. Asking for the collection agency to remove the entries from all XXXX credit reporting agencies.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-07 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: TOYOTA MOTOR CREDIT CORPORATION
State: LA

Complaint narrative:
I pay on my account 01 to 08 month of 2016 toyota motor credit have dramge my credit with negatively mark on credit so i can not trade my car i had 5 month left on lease every dealer ship i with to had hard time get information when they call and went they look at transunion i had now if i pay a lease car for 10 month they would have came got call they just do want see me trade car they close my account and did want me to pay on it .i still have car we going court this was a lemon car deal for new car to shut me up now i having problem 5 month left i have paper from attorney General of they violation on that i trade for lease i did want to lease and i did have good credit to lease

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-18 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: KY

Complaint narrative:
Foreclosing during the appeal period. As well as refusing to review with change of circumstances of the wife not returning to work.

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