vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-06-12 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
On  XX/XX/XXXX  I returned a  Mazda CX 5  at end of lease term. Virginia title #  XXXX , last  4 digits of VIN  are  XXXX . Lease terminated on  XX/XX/XXXX . On  XX/XX/XXXX  I received a letter to pay a lease termination fee of {$610.00}. Of that amount, {$290.00} was for " Excess Wear & Use. '' The 3 year lease allowed  XXXX  miles a year or  XXXX  total miles. When the car was returned, the total mileage was approximately  XXXX  miles. On  XX/XX/XXXX  I paid an additional {$800.00} for alleged additional repairs to the car. This was paid to  XXXX   XXXX  's  Leasing Agent,   XXXX   XXXX  who advanced the {$800.00} as a courtesy. On  XX/XX/XXXX , I received a second letter asking for payment of the {$610.00}. I paid the {$610.00} by check on  XX/XX/XXXX , check #  XXXX . This check cleared the bank on  XX/XX/XXXX .   I have received notices after lease end to pay personal property taxes on the vehicle. The first one was for {$290.00} which was paid on  XX/XX/XXXX , Check #  XXXX . I included a note asking that they send me a copy of th e Tax Bill they  would have received from  XXXX  County, VA. They have not. This check cleared the bank on  XX/XX/XXXX . Then on  XX/XX/XXXX , I received another notice to pay PP taxes of {$140.00}. Which I have not paid given the foregoing circumstances. In addition, the Mazda Capital Services  Auto Lease Acc ount Statement of  XX/XX/XXXX  shows a billing of {$25.00} for property tax assessed  XX/XX/XXXX . The Statement for  XX/XX/XXXX  shows a PP tax billing of {$310.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
The credit bureau is refusing to remove a collection account on my credit report that does not belong to me. The account number is "  XXXX  '' and it has a past due balance of {$11000.00}. I have never had any business dealings with  XXXX   XXXX  and in all of my disputes, I have never been provided with supporting documentation to validate this debt. The credit bureau provided with me  XXXX   XXXX  's contact information in their response letters and after having called multiple times, they can not find any record that matches my personal information for this past due debt. Since I am not the person who created this debt,  XXXX  is refusing to send me any documentation to validate my claim and remove this from my report. Thus, I am stuck and the credit bureau is continuing to report someone else 's account on my credit. I need this to be deleted from my credit as soon as possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-12 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: EQUIFAX, INC.
State: MD

Complaint narrative:
The credit bureau is refusing to remove a collection account on my credit report that does not belong to me. The account number is "  XXXX  '' and it has a past due balance of {$11000.00}. I have never had any business dealings with  XXXX   XXXX  and in all of my disputes, I have never been provided with supporting documentation to validate this debt. The credit bureau provided with me  XXXX   XXXX  's contact information in their response letters and after having called multiple times, they can not find any record that matches my personal information for this past due debt. Since I am not the person who created this debt,  XXXX  is refusing to send me any documentation to validate my claim and remove this from my report. Thus, I am stuck and the credit bureau is continuing to report someone else 's account on my credit. I need this to be deleted from my credit as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-12 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Receivable Solutions Specialist, Inc.
State: TN

Complaint narrative:
I recently checked my credit report and I have discovered that this company has reported that I owe them a debt. To my knowledge I have never entered into a contractual agreement with this company and neither have they provided me services nor goods

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: PA

Complaint narrative:
I consolidated several of my federal student loans. At the time of consolidation, I was, and still am, working for a XXXX XXXX. I indicated this and inquired about PSLF at that time. I chose a repayment plan based on the information I was given. Unfortunately, this information was not correct. I contacted Navient last week to discuss how many qualifying payments I have made thus far given that I will reach my 10 year anniversary with my employer in XXXX. I was told that I made no qualifying payments and that I would need to change the payment plan and payments going forward would count toward the PSLF. This means that I will need to make 120 qualifying payments in order to reach this loan forgiveness eligibility. This has resulted in a severe financial burden that will now extend.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ditech Financial LLC
State: WA

Complaint narrative:
I 've been working with  Ditech re garding loss mitigation options, I have been submitting all documentation requested on time and following up for updates 3 times a week. Since  XXXX   XXXX ,   XXXX   I have not been able to receive a call back from my Point of Contact   XXXX  . Numerous voicemails have not been returned and when calling Ditech to speak with anyone, they all direct me to her voicemail leaving it impossible to receive an update on my status that I have been working so long on.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I opened a business line of credit with Chase after receiving their solicitation for such many years ago. After receiving the first statement with {$150.00} fee, I decided I did n't want it because of the annual {$150.00} fee and the high interest rate. The account has never been used and I 've tried on several occasions to close it. I thought they had closed it, but now after several years, they are refusing to close the account until I pay them {$750.00} in fees they 've racked up, and my branch manager told me they are going to keep it active and will keep accumulating the annual fees until I pay the fees they have already assessed. This feels very illegal, basically locking me into a product I do n't want so that they can continue to extort annual fees.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-06-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Paypal Holdings, Inc
State: GA

Complaint narrative:
( 1. ) OnXX/XX/XXXX, I received an email notification from Paypal at XXXX that I had received a refund from XXXX XXXX XXXX via Paypal for a transaction I had previously submitted using my XXXX XXXX debit card ending in XXXX. The amount was XXXX dollars. <P/>The time stamp and receipt # are : XX/XX/XXXX XXXX PDT Receipt No : XXXX ( 2. ) On XX/XX/XXXX, I received a second email notification from Paypal at the same email address that I received a refund from XXXX XXXX XXXX via Paypal for a transaction I had previously submitted using the same XXXX XXXX card. The amount was another XXXX dollars. <P/>XX/XX/XXXX XXXX PDT Receipt No : XXXX ( 3. ) The XXXX XXXX checking acct. associated with that debit card was previously closed. <P/>( 4. ) I called Paypal to notify them that the debit card where I was supposed to receive my refund was closed. I spoke with XXXX. I asked her ID # but she said she " would n't be able to give that information out, '' but she was located in Iowa. <P/>She said I needed to contact XXXX XXXX to see if the funds will be returned to me. <P/>XXXX insisted that XXXX XXXX would n't send the funds back to Paypal, and said that by law, there was a six month period from the acct. closure date where they would have to refund those funds to me by reopening the acct. <P/>( 5. ) Spoke with XXXX XXXX ( XXXX at XXXX XXXX branch in XXXX, GA ; XXXX in phone customer service ). XXXX said funds would be sent back to Paypal. XXXX confirmed funds were sent back to Paypal. <P/>( 6. ) To date, have not received funds and have not received communication from Paypal about those two refunds being rejected by XXXX XXXX. <P/>( 7. ) To date, I believe I have XXXX dollars missing as a result of this error by Paypal and/or XXXX XXXX. <P/>( 8. ) I called Paypal corporate office on today, XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX, and asked for Executive Customer Relations. XXXX, the receptionist, said her only option was to send me back to regular customer service, even though I had told her I had already received misinformation from customer service and I was trying to avoid filing a Consumer Financial Protection Bureau complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-12 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: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
I COMPLETED A TITLE SEARCH ON MY PROPERTY AND FOUND AN ABSTRACT JUDGMENT OF {$4300.00} FROM ASSET ACCEPTANCE LLC. THIS WAS A CIVIL JUDGMENT FROM  XXXX   XXXX  CIVIL COURT. THIS JUDGEMENT ALONG WITH THE ORIGINAL DEBT WAS PLACED IN MY CHAPTER  XXXX  BANKRUPTCY WAS WAS FILED IN  XXXX  AND DISCHARGED IN  XXXX . THE FIRST THING I DO WAS CONTACT THIS COMPANY ASSET ACCEPTANCE LLC TO DISCUSS THIS ISSUE. THE PERSON IN CHARGE OF MY ACCOUNT IS NAMED  XXXX . SHE STATED THAT THEY WERE NOT AWARE OF ANY BK. AND THAT I NEEDED TO MAKE A PAYMENT OR SETTLE TO REMOVE SAID LIEN. I EXPLAINED THE SITUATION AND SHE INSISTED ON MAKING A PAYMENT. I ASKED HER TO SEND ME A DEBT STATEMENT OR INFORMATION. SHE STATED SEVERAL TIMES IN ORDER FOR HER TO PROCEED I NEEDED TO MAKE A PAYMENT. SHE BASICALLY WANTED ME TO ASSUME A DEBT THAT HAS BEEN DISCHARGED IN BK IN  XXXX . AND I TOLD HER I WANTED THE LIEN REMOVED AND SHE STATED TO PAY. I STATED I WOULD GO TO CIVIL COURT AND GET IT REMOVED. AND I WANTED TO TALK TO HER SUPERVISOR. SHE STATED SHE HAD NO SUPERVISORS AT THE MOMENT AND THAT HER 'S WAS GONE FOR A WHOLE WEEK. I NEVER RECEIVED A CALL OR BILL FROM THESE PEOPLE AND THEY ARE STATING OTHERWISE.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-12 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: EQUIFAX, INC.
State: NY

Complaint narrative:
Equifax still has information on my credit report stating past due student loan balance with  U.S. Dept of Edu. M y loans have been transferred to  XXXX   XXXX   XXXX  ; I been paying them since   XXXX  . My credit score is very low because of this entry.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-12 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: AMERICAN EXPRESS COMPANY
State: LA

Complaint narrative:
I am disputing the accounts w ith AMERICAN EXPRESS   XXXX  AND  XXXX  I have reported the account with fraudulent activities I requested your company to review the account balance at  XXXX  &  XXXX  I never used that amount of my credit LIMIT someone got my credit card information and used my credit limit to the point where I had to close the account I should not be responsible for the charges from the months of  XXXX  2007  and  XXXX /2007. I have provide your company with the FTC AND POLICE REPORT ABOUT THE ACCOUNTS LISTED

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: CITIBANK, N.A.
State: OK

Complaint narrative:
I am reaching out to you in regards to a loan that I paid of with Citi financial. My loan has been paid in full since XXXX XXXX and I can not get the proper releases from Citi to be filed after 7 months of asking for them. The original loan was taken out with XXXX XXXX XXXX XXXX Of Oklahoma. Citi bought XXXX out and I was notified that my loan was included and transferred. After years of my loan being transferred from one company to another and state to state, I made the decision to pay them off. I contacted Citi for a pay off by XXXX XXXX, a verbal quote was made and I also received a written letter. Citi was sent a check and paid of on XXXX XXXX, XXXX. I in return received a check for the difference of {$24.00}, with the envelope being stamped XXXX XXXX, XXXX. With the understanding that Citi had 30 days to release my property. The lien against my property consist of 2 different counties, I reminded Citi of this and ask for a releases in both counties. On XXXX XXXX, XXXX an attempt was made to release the land in XXXX county, but according to an attorney the release does not meet the Oklahoma Statues for proper format because the release was done by Citi and the mortgage was originally made with XXXX. There has to be an Assignment filed moving ownership of the XXXX XXXX to Citi. On XXXX XXXX, XXXX I sent Documents via Certified Mail and return receipt of signature to Citi. The packet included 1 ) A letter 2 ) Copy of recorded mortgage for XXXX County 3 ) Copy of recorded mortgage for XXXX County 4 ) Copy of release of mortgage which is not done with proper authority 5 ) Copy of Oklahoma Statues for lenders to get proper release of mortgages filed within 50 days of receipt of funds. Note penalty starts within 10 days of this letter. <P/>I received a return signature card from Citi. But they still did not file the Assignment of Mortgage and Release of Mortgage in both Counties. After contacting Citi again  on XXXX XXXX, XXXX, they said they did not receive the documents I mailed. So I Faxed them 11 pages of documents on XXXX XXXX, XXXX, same ones I mailed and they signed for in XXXX. I then receive a Assignment of Mortgage filed in XXXX County stamped XXXX XXXX, XXXX, but no mortgage release in XXXX County. On XXXX XXXX, XXXX I contacted Citi again, once again explaining that I need both papers filed in both counties. Citi informed at this time they had 30 days to get the release 's filed, I informed them that they have had 7 months to get this done and I was going to file a complaint with the Consumer Financial Protection Bureau. Citi then argued with me and said they filled a mortgage release in XXXX County on XXXX XXXX, XXXX and was working on XXXX County. I went to XXXX County Court House the next day and there was no release filed. I do n't know how I can explain it any clearer to them, they refuse to get this matter taken care of. So this is why I turned to you. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-12 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
After agent who worked mortgage / loan dept. in the XXXX CA branch of Citibank solicited me to increase an existing credit line of {$260000.00} to {$320000.00} ( 10 yr interest only note ) consummated on XXXX XXXX, XXXX. On XXXX XXXX, XXXX I was notified of a loan modification approval by CitiMortage. I made 3 trial payments but did not sign and return the loan modification documents due to a question I had regarding the terms not aligning with what I was " told ''. I called and expressed my concerns to the executive response team member XXXX XXXX. Additionally I informed XXXX XXXX that the lien being held by CitiMortgage was in 3rd position on my property since XXXX XXXX due to no title search being performed by CitiMortgage at that time. I believed falsely that it was in CitiMortage 's interest to work with me to resolve this matter due to CitiMortgage 's position on my home being 3rd and not 2nd as they believed until I informed them. See complaint # XXXX In a letter from CitiMortgage dated XXXX XXXX, XXXX I was informed that I had been rejected for a loan modification due to the fact that CitiMortage was in 3rd position on my home. Furthermore however in the same letter it was stated that ; " Upon receiving your follow up inquiry regarding the modification documents, we were re-reviewed your request and required an updated title report before we could make a final decision in connection with your dispute. We found that your HELOC account is in third lien position, which automatically disqualifies you from qualifying for a FDIC second mortgage modification. The HELOC reset modifications allow third lien position accounts ; however, you do not meet the maximum guidelines for the modification.Therefore, we are officially declining your request for a modification ''. After all this effort and my misguided candor informing CitiMortgage of their factual position on my home after over 10 years instead of working with me further it is stated within CitiMortgage letter XXXX XXXX, XXXX " you do not meet that MAXIMUMguidelines for a 3rd position modification ''. CitiMortgage established their position on my house the last quarter of XXXX by not performing a title search prior to extending {$320000.00} HELOQ credit line on my home. IF they would have simply asked for the 3rd lien holder ( prior to XXXX XXXX, XXXX to subordinate it could have been accomplished in several days. Now the former 3rd lien holder is the 2nd lien holder and, post recession is fearful to return to his 3rd position believing CitiMortage intends on foreclosing on my house. CitiMortgage has retroactively charged me interest and principal beginning XXXX XXXX, XXXX. On XXXX XXXX I was forced to declare Chapter XXXX Bankruptcy. After 4 months unsecured debt will be discharged.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: OH

Complaint narrative:
Loancare purchased my mortgage from XXXX in XXXX 2017. I had already made my XXXX payment to XXXX and have since made my XXXX payment to Loancare. Both checks have cleared the bank. I have explained to Loancare on  multiple occasions that the XXXX payment was sent to XXXX and have assured me that they would get that from XXXX. But, they have continued to hassle me duringXX/XX/XXXX for the payment and I just received a default notification in the mail with threats of foreclosure. My credit rating is very high, because I always pay bills on time. This is nothing short of harassment.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL

Complaint narrative:
I received a notice dated  XXXX / XXXX / XXXX  from my lend er, Fifth Third Bank,  regarding a shortage in my escrow account that I needed to pay by  XXXX / XXXX / XXXX . Upon inspection of the notice, I found several errors. First, the escrow statement showed that my lender was continuing to deduct PMI monthly, though no PMI payments have been reflected on my monthly mortgage statements since  XXXX   XXXX . I sent Fifth Third a request to stop PMI once I reached 80 % LTV ; by  XXXX   XXXX  my payments put me at 78 %  of LTV  so Fifth Third Bank is illegally containing PMI on my mortgage account, and have been doing so for months without my knowledge. Second, my escrow statement includes projected PMI payments well into  XXXX , though I am already below 78 %  LTV  ratio. Finally, escrow statement includes a double payment on my homeowners insurance for  XXXX  -- which they paid in  XXXX   XXXX  and my statement shows an additional  XXXX   XXXX  mortgage payment, which accounts for most of the escrow underage they claim I owe.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-12 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO

Complaint narrative:
On  XXXX   XXXX   XXXX  my credit report was pulled and In reviewing my report, I noticed the following error : Bank of America #  XXXX  This item is incorrect because The account has been in Charged Off status since  XXXX / XXXX / XXXX  ; And should be reported as such.     Also since the account was charged off the  24+  90 day lates which are reporting in the system is incorrect and should instead be 0 times 90 days.     On  XXXX   XXXX ,  XXXX  I called Bank of America and spoke with  XXXX  she transferred me to the credit analyst dept.  XXXX   XXXX . He said the account was charged off on  XXXX / XXXX / XXXX  and that they had not been reporting any 90+ day lates to the credit bureaus. I requested a letter from Bank of America stating this.     On  XXXX  I received a statement from Bank of America and it was a actual account statement from  XXXX   XXXX . Showing {$0.00} Balance.     I called Bank of America again today and spoke with  XXXX  who then transferred me to Charge off department  XXXX   XXXX  she she very mis informed and I ask to speak with a manager. She transferred me over to  XXXX   XXXX   XXXX . I went over my concerns that the account is showing a  Charge  off but still showing 90+ day lates. He said he would send a letter out to me. At this point I do n't have much confidence in Bank of America or their support staff.     I am hoping you can help me resolve and address this issue.

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