vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I entered into a HAMP loan modification as of XX/XX/2016. This modification is a Tier 1 loan modification under the HAMP program, which has an incentive. The incentive is entitled the " Pay for Performance '' Incentive under the the MHA Handbook Chapter II : HAMP page 147 section 13.2.1. The provision of that section specifies a payment incentive to borrowers in the 5th year anniversary after the loan modification date, said borrower 's loan is eligible for a {$5000.00} reduction of the principle and a recast of my mortgage, as long as the loan is in good standing. I have not heard anything from Bank of America regarding their arrangements to enforce the provision of the HAMP agreement as it relates to my mortgage. * Please note - my loan was originally with Bank of America. When it went into default, it was sub-serviced by XXXX XXXX. Once the modification process was completed and entered, the loan went back into servicing with Bank of America. The loan mod was signed while being sub-serviced with XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I was notified on XX/XX/XXXX, by the XXXX County Tax Office that Chase Mortgage failed to pay XXXX property taxes in the amount of {$14000.00} from my mortgage escrow account. The error resulted in a penalty of {$1000.00}. 

I paid the property taxes and penalties due on XX/XX/XXXX, in order to avoid additional penalties that would have been imposed on XX/XX/XXXX. 

On XX/XX/XXXX, I filed an Error Resolution Notice under 12 C.F.R. 1024.35, requesting correction of the error described and attached a record of the payment. Chase did not send written confirmation of receipt within 5 days as required by federal law, but confirmed receipt by phone when I later contacted them. 

I was informed that Chase closed the claim without refunding the penalties due to their error based on the fact that the property owner information was confidential in the property records due to my service in the XXXX XXXX. Yet, this has been the case since XXXX, and Chase has made three tax disbursements since that time. Chase refuses to compensate me for losses incurred due to its error.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-04-01 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: GA

Complaint narrative:
Please refer to Case XXXX Chase Bank, committed on XX/XX/2019that this account which was fraudently opened in my name, without my authorization was closed. Yet I continue to receive request to verify or update my contact information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-01 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: I.C. System, Inc.
State: AL

Complaint narrative:
IC Systems inserted a derogatory entry on my credit report without providing a dunning letter or any correspondence on the alleged debt that would have informed me that they were attempting to collect on the alleged debt. To that end, when I retrieved a copy of my credit report I noticed this inaccuracy and immediately sent a letter to the credit bureaus followed by IC Systems. The response I received from the bureaus stated IC Systems had verified the entry, yet they did not respond to my letter. My certified letter was not returned ; therefore, the company was in receipt and blatantly refused to respond, yet still report. I specifically requested that they provide : An agreement that states your authority to collect on this alleged debt ; Agreement with signature of the alleged debtor wherein he/she agreed to pay the creditor Alleged account number Date this alleged debt became payable Original delinquency date Verification that this debt was assigned or sold to collector Complete accounting of alleged debt Name and address of the bonding agent for collection agency in case legal action becomes necessary. I sought validation and not verification. This is a very misleading practice and a violation of my consumer rights. They did not provide any documents that bore my signature nor did they provide the original delinquency date nor a complete accounting of the alleged debt. The first violation is that IC Systems inserted this unverifiable, inaccurate entry on my report without providing me the any time to dispute the validity of their alleged debt and second, they did not cease reporting of this entry with the credit bureaus after they were in receipt of my dispute. These are direct and blatant FDCPA violations. IC Systems must immediately delete this erroneous entry from all of my credit reports. If they indeed are alleging that I owe them for XXXX XXXX, why then did they not provide the original terms of agreement as well as any other updated conditions and terms of agreement? Why did they not provide a copy of the ledger to reflect any payments to them? Why did they not provide copies of correspondence they have sent? Why did they not provide any documentation to substantiate the alleged amount? This entry lacks veracity. 
Delete this entry immediately and provide me a copy of the correspondence sent to the bureaus to direct them to remove this erroneous entry.

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 2021-04-01 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: TX

Complaint narrative:
In XXXX of 2020 I refinanced my VA home loan in order to take advantage of lower interest rates. My loan was previously serviced by XXXX XXXX XXXXXX/XX/XXXX, with property taxes paid monthly into escrow. It is now serviced through Lakeview Loan Servicing, with property taxes paid monthly into escrow. When I tried to file my 2020 taxes, I reviewed the XXXX from each bank, and both showed that no property taxes were paid for 2020. I contacted XX/XX/XXXX and they said that since property taxes are paid in XXXX, they did not pay them and the money went to Lakeview Loan Servicing. I have spent weeks trying to contact Lakeview Loan Servicing to find out why they didn't pay my property taxes and what happened to the {$7000.00} I had paid into escrow for that purpose. Lakeview Loan Servicing does not have a valid customer service phone line, it is completely automated and there is no way to reach a human to ask a question. There is a message system that makes it look like someone will call you, but I have submitted more than 30 messages with no response. I don't know where else to turn for help. I don't understand how the company can just not allow contact from customers and take thousands of dollars with impunity. How is that legal?

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 2021-04-01 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: PA

Complaint narrative:
I submitted a complaint against Equifax XXXX COMPLAINT ID XXXX ) and they sent me my credit report. There are errors on it, and despite complaining to them prior, and also in my filed complaint, they do not acknowledge that while I have an account, I can not access any information, nor can I access information via telephone. On line, it keeps giving me a message that it is temporarily unavailable, and via phone, they state I am not recognized. In other words, on my complaint they simply pushed a button and sent me my credit report, but did nothing else to resolve the issue. On the phone, I get to the verification steps of loans, and since I do not have any, I answer no to all their questions, and then they tell me I can not be verified. And the credit report shows I do not have loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-01 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CMRE Financial Services, Inc.
State: OK

Complaint narrative:
On XX/XX/2021, a CMRE signed for a dispute letter to a file that is located on my XX/XX/XXXXand XX/XX/XXXX report. They have failed to respond to this letter within the 30 day time limit. I have attached the signature page and letter and demand they immediately remove this collection from my credit files and send a letter stating this has been done. If this isn't done immediately, I will also contact my state 's attorney general who will forward the complaint to the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Bridgecrest Acceptance Corporation
State: AZ

Complaint narrative:
I traded in my vehicle, a XXXX XXXX XXXX on XX/XX/XXXX, and received the vehicle on XX/XX/XXXX. Since I traded the unit in, with a payoff pending I did not make a Payment. When I was informed that a payment needed to be made or I would be reported as late to the credit bureaus. I made the minimum payment the representative stated of {$290.00} on the XXXX and the payoff check was received the same day ; however, Bridgecrest did not post it to the account. Due to my payment and the payoff both being received the same day which would result in an overpayment but I was informed that I would still be reported negatively to the credit bureaus. I have worked hard to get my credit on track and I think this is wrong as they received both payments to complete the payoff of the account.

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 2021-04-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
I recently reviewed my credit report and seen a few accounts that don't belong on my credit report one is a child support I do not have any kids I contact the court house said it should be removed miss spelled name I sent the letter to credit bureau no response its been well over 30 days also a get it now and bankruptcy..

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 2021-04-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: CA

Complaint narrative:
I was called by an agent of Jefferson Capital Systems , LLC, who stated that they were attempting to collect a debt to XXXX in the amount of {$98.00} and change.. 

I checked my XXXX records going back 3 years. There are no transactions listed in the {$80.00} to {$100.00} dollar range.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: MA

Complaint narrative:
Cash app allowed fraudulent withdrawals on my account in XXXX XXXX most of these took place on XX/XX/2021. These where withdrawals that would require me to approve which I did not. Also I did not know one of the people on the list.They all took place betweenn XXXX ; XXXXXX/XX/XXXX to XXXX ; XXXXXX/XX/XXXX. They where all in California.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
On XX/XX/2021 i received a summons from XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX Fl XXXX. 
Docs provided documents. 

I contacted them about file XXXX and requested a Debt Validation. After contacting them several times and them stating they had 30 days to provide information they finally sent out and insufficient validation of this debt on XXXX XXXX. Docs provided as requested. 

After I contacted them in regards to why this was not complete and did not have any contract between us. Mr XXXX at that office began to get frustrated and said if I was stating that they stop collecting that he needed to put me on with an attorney. At that point an attorney by the name of Mr. XXXX got on the phone and began to raise his voice at me in a threatening manner and interrupting me before I could finish my request for him to stop his attempt to collect. HE continued to ask me sarcasticaly if this was really not my debt as he kept shouting and acting belligerent. The phone call ended when he stated he was done and if there was nothing else he can do for me.

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 2021-04-01 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: WI

Complaint narrative:
I recently reviewed my credit.. and found a few accounts that where not mine.. I contacted the company and the court house it should have been removed.. well over thirty days ago.. still no response..

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 2021-04-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Tate and Kirlin Assoc
State: CA

Complaint narrative:
First of all they are calling my place of employment. The messages left are recorded stating they are going to contact my Human Resource Department to take proper action on this matter. I called back several months ago, they are trying to collect a debt on a balance that was discharged over 11 years ago. I asked them to send me paperwork that showed the balance is mine. They could not even tell me if it was from a credit card or a store credit or a definite place this balance was from. They just wanted me to agree to a payment arrangement. I told them I could not do that untill they sent me the paperwork that backs up their claim. Until this date I have not received anything in the mail, however the calls have not stopped. 
They come from a local number and to mask their identity. They never gave me the name or address of the company either.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-01 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:
I recently reviewed my credit.. and found a few accounts that where not mine.. I contacted the company and the court house it should have been removed.. well over thirty days ago.. still no response..

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 2021-04-01 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: PA

Complaint narrative:
I took out the loan in XXXX for $ XXXX I've paid {$250.00} a month since XXXX. 
Today, I owe {$19000.00}. 
The interest rate on my loan is currently XXXX. 

My debt has been bought from Sally Mae and sold at an unfair rate that I never approved. 

I lost my job due to the pandemic and took as much forbearance as they allowed. Now I'm all out of deferment/forbearance time and they're punishing me by raising the interest. 
I can not make any more full payments. They do not give options for partial payments. Because I can not make payments, they've started charging penalty fees. 

Navient calls my house 20+ times a day. 

They have called the police on me XXXX XX/XX/XXXX XXXX They will not let up, and now they are harassing my father. 

I am a single mom. I fear we will be homeless by the end of the year due to their predatory nature. 

How is this allowed?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
I was called by an agent of XXXX XXXX XXXX XXXX XXXX, who stated that they were attempting to collect a debt to PayPal in the amount of {$98.00} and change.. 

I checked my PayPal records going back 3 years. There are no transactions listed in the {$80.00} to {$100.00} dollar range.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-01 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Ive been in contact with Experian since the beginning of 2019 when I notice a Bankruptcy reporting to me credit report along with hard inquires listed below. There only response was that this information belong to me and was verified. I demanded the method of this investigation contacted the Illinois XXXX XXXX  and they said they were not reporting this information. This has hurt me tremendously I've been denied credit and turn away from living and job opportunities. 

hard inquiries include : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXXXXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX. 

ALSO THESE ADDRESS ARE REPORTING TO EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL ; XXXX XXXX XXXX XXXX IL XXXX COLLECTIONS ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX : THESE NAMES XXXX XXXX, XXXX XXXX XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX  IL XXXX INQUIRIES XXXX XXXX, XXXX, XXXX XXXX, XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
Capital one incorrectly reporting my payment. I never missed a payment

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: LoanCare, LLC
State: MI

Complaint narrative:
My mortgage was being serviced by Loancare , LLC of XXXX XXXX XXXX, XXXX XXXX Va XXXX. They automatically took the mortgage payment from my checking account on the first day of each month ever since they took over servicing the mortgage. Our LAST mortgage payment was due to be taken out on XX/XX/2021, and more than enough funds were there. However, Loancare failed to take out the last payment on XX/XX/XXXX, which I did not realize until after I looked at my Bank Statement after XX/XX/XXXX, and claimed that I had not asked for a pay-off letter so they did not take the final payment. No one ever told us that we needed to request a pay-off letter, and after requesting one, they demanded that we wire the last payment to them even though it was less than the money they were holding in escrow for taxes and insurance. ( They did refund that money later. ) We wired the money immediately, at a cost of {$35.00}, but in the meantime, Loancare reported us to the Credit Reporting Agencies as missing payments, which caused a huge drop in my credit score.

When I wrote to Loancare to correct their mistake, all they did was to report that the account was now current and closed, never correcting the erroneous characterization of our payment as being late.

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 2021-04-01 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: CFM Group LLC
State: KS

Complaint narrative:
Very abusive debt collector with profanities would not stop calling even when told the company no longer exists. 
XXXX XXXX XXXX CST

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-01 00:00:00
Product: Credit card or prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
XXXX of the XXXX gift cards valued {$50.00} I purchased was not redeemable a week later when I first tried to use it. It was purchased at XXXX XXXXXXXX XXXX, CA on XX/XX/2021 around XXXX. I was bounced back and forth between XXXX  customer service and XXXX XXXX about this XXXX balance new XXXX gift card. XXXX  verified it was activated therefore it can not be refunded. XXXX XXXX said it was redeemed right after activation. A redeemed gift card can not be refunded. Therefore I as a consumer and victim of this cyber robbery was left with the loss. It is very unfair! Both XXXX and XXXX refused to take responsibility of the security of their gift cards. I will never purchase another gift card again. The consumer lose money when the purchased gift card has no fund in it since it is nonrefundable.

Company response to consumer: Closed with explanation