vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-10-09 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: DC

Complaint narrative:
My mortgage company is Wells Fargo. I received a loan modification in XXXX XXXX for XXXX properties-my home on XXXX XXXX, XXXX XXXX and my rental in XXXX, XXXX. The loan modifications expired XXXX XXXX. I was still unable to pay the full mortgage and requested another modification, which was denied/ignored. I continued to pay the modified amount, but the difference between the modified amount and the actual loan continued to accrue. Finally, Wells Fargo contacted me and requested documents. I submitted pay statements and other financial documents. I was given a payment plan for the rental property only. I began to pay XXXX/month for the rental, which covered the mortgage and the amount in arrears. However, the mortgage payments were $ XXXX/month. I also requested a payment plan for my home in XXXX, but Wells Fargo did not give me a payment plan. In XX/XX/XXXX began to pay the full mortgage of $ XXXX/month and I requested a refinance so the the amount in arrears could be added to the end of my mortgage. Wells Fargo did not respond. Now, Wells Fargo is requesting the full amount that accrued when from XX/XX/XXXX to XX/XX/XXXX. They have never given me an opportunity to modify the loan or refinance the loan.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-19 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I had a Mortgage with Citi Mortgage with a balance of {$230000.00} as of Statement date XXXX/XXXX/2016. At around this exact time I refinanced my house and a Check was mailed out to Citimortgage Inc. for the amount of {$230000.00}. A refund for the over payment of {$1400.00} is due back to me. Several Calls to Citimortgage have been to no avail. They have refused to send me a refund check. It 's been over 60 days since the over payment. 
Please help me recoup this over payment.

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 2016-06-12 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
On XXXX XXXX, XXXX I first became aware that I am a victim of identity theft. I have since pulled my credit files from all XXXX major bureau 's ; Experian, XXXX and XXXX. I have also since been disputing a large number of trade lines with all including Experian. At this juncture, I need to dispute my last fraudulent information reporting on my Experian credit report. Apparently, in XXXX a bankruptcy was filed in someone else 's name and contact information while utilizing my social security number and date of birth. Here is the following information that is showing on my credit file as of XXXX XXXX, XXXX : CHAPTER XXXX BANKRUPTCY FILED : XXXX/XXXX/XXXX CLOSING DATE : XXXX/XXXX/XXXX REF # : XXXX On multiple occasions I have forwarded the necessary proof of XXXX my identity and my current address to help Experian expedite disputing and subsequently successfully removing these erroneous accounts from my credit file. I am again attaching my drivers license, social security card and current bank statement accordingly. 

Thank you for your help up to this point! 
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 2015-03-23 00:00:00
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: Platinum Holdings Group, LLC
State: IL

Complaint narrative:
XXXX XXXX is attempting to collect a debt from a company I know nothing about. She threatened me and stated " she was going to contact my employer and there was a warrant out for my arrest from check enforcement. I asked for her to submit a document to show I owe this debt but was unsuccessful. She calling from XXXX. Not sure what to do becuase she harassing me at work.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-17 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
My Chase XXXX private student loan has now been paid off three different times with the balance ending at {$0.00}. They will not close the loan out and continue to send me monthly statements even though the loan is now with XXXX XXXX. The people that work there continue to give me the run around transferring me to several different " supervisors '' all who say the loan is closed out and then I get a bill every month. No one here know how to process a payment, loan transfer or a loan pay off. I demand that the loan is closed out immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-20 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
My original dispute was sent certified mail to Experian on XXXX XXXX, 2016 ( Report Number XXXX ). 
Experian responded within 30 days verifying certain items. Based on that investigation I sent another letter on XXXX/XXXX/2016 requesting the Method of Verification ( MOV ) for the items that was verified. 
Experian on XXXX XXXX, 2016 failed to provide myself, the consumer with documents, addressing the exact procedures they used in the investigation to ascertain the items as verified. My intended purpose of this is to know if Experian contacted the furnisher of debt directly, or used a third party ( if so who? ) and what documents was used to verify items as accurate. According to FCRA Section 611 ( a ) ( 7 ) that governs the request for MOV, Experian had 15 days to respond. They failed to deliver a proper response within allowable time. Experian 's inaction and non-compliance in this matter is inexcusable, and their disregard for the law is contemptible. 
On XXXX XXXX, 2016, I notified Experian of my intent to file a complaint, if they did not delete and remove all the disputed items as pursuant to FCRA 611 ( 15 U.S.C. 1681I ). 
Note : Experian has circumvented and abused the legal system, by responding to every letter I sent, regardless as to the content, as a new claim to reset the clock.

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 2016-02-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LoanCare, LLC
State: VA

Complaint narrative:
I paid my most recent mortgage payment by phone on XXXX XXXX. During that process, I was advised by the automated system, that my payment could not be processed. I called back and spoke with a representative, who verified that my payment had in fact been processed along with the {$13.00} fee charged. This originally happened about 5 months ago. I made my XX/XX/XXXX or XX/XX/XXXX payment and was advised that it was not processed. I was a little worried and called back to speak with a representativeIThat 's when I was advised that the payment was n't processed again because I already paid. I advised the representative that the automated system told me that it could not be processed and if I had n't called back in, I would have never known that my payment and fee of {$13.00} was processed. I have reported this issue for several months and nothing has been done about it. From my understanding, when processing an ACH payment, there is a XXXX disclosure that must be provided every time a payment is made.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-02 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
0n XXXX i received a letter from bank of America , declaring that the bank has put stop payment on my checks according to my request! the fact is that i had never requested the bank to do so, and the bank later on admitted that they have done this by mistake and there has been no requested on my behalf.this wrong action put me in a trouble my credit record has been damaged because of the returned checks, and the worse i have been in a XXXX situation.i strongly want the bank to pay a price for putting me in a miserable 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 monetary relief
Consumer complaint received 2015-10-30 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I went to XXXX, looking to open up a bank account and was told I could n't do so because there 's fraudulent activity on my banking history. I then contacted chexsystems to see what they were talking about and it says there 's a charge off amount for {$330.00}. I 'd love to know why this is there, and what I can do to remove this from my history.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-04 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: TOYOTA MOTOR CREDIT CORPORATION
State: NY

Complaint narrative:
I had a lease with Toyota, for a Toyota Camry XXXX, starting in XXXX XXXX thru XXXX XXXX. My wife is the primary driver and soon after getting the Camry, we wanted to trade the Camry back in and get something that sat a little higher up and would be better in the winter time. Between XXXX XXXX and XXXX XXXX, my wife or I went back to try to work a deal out with Toyota for getting another vehicle, and each time Toyota wanted {$75.00} - XXXX/month more for a vehicle, which was out of my budget. I finally went to XXXX and worked a deal for a XXXX Rogue in XX/XX/XXXX, XXXX agreed to pay the Camry off in full and return the car to Toyota, the XXXX salesperson called Toyota financial for a vehicle payoff amount and Camry was paid off. In XXXX XXXX, Toyota sent me a bill for a month 's payment, which was XXXX and a Disposition fee of {$350.00}, which Toyota claimed to be paid by XXXX/XXXX/XXXX. I did not pay it, and am filing this claim because Toyota will end up sending the bill to collections.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-10-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CITIBANK, N.A.
State: OK

Complaint narrative:
Following a 2 year long battle with Citimortgage where they attempted to foreclose on me 3 times and actually refused payments to ensure that would occur -- I finally found a workable solution with the assistance of Legal Aid in Oklahoma. One of the main issues was to ensure the new note and subsequent payment would be feasible given our income. We are both XXXX in the XXXX state ( OK ) for XXXX nationally so our income is low but stable. The final loan included years of ( and XXXX of dollars in ) illegitimate delinquency and foreclosure fees and basically resulted in us being underwater with no chance of ever catching up. The payment was set at $ XXXX which we have paid in full for the past 12 months on time. I received a letter today stating the escrow account was deficient and our new house payment would jump over 40 % to {$1000.00}! I was NEVER given any warning or notice from Citimortgage that after just one year of on time payments with the new XXXX loan for a house I bought for XXXX in 2002 -- My payment would skyrocket to a level we can not afford. In fact one of the main reason for delaying the workout process was ensuring we could afford the payments and now, a year later, we have been asked to pay over {$300.00} more every month for a home we have long outgrown. We are trying desperately to fix our credit and pay off debts to make a better life XXXX XXXX kids and between the {$120.00} XXXX in student loans I have and this new mortgage surprise- I fear this home and more specifically- Citimortgage -- may have cost me my chance at the American Dream- I feel hopeless- we fought so hard and for so long to not be foreclosed on and now to be forced into such a price increase with no warning at all increases greatly the odds of us falling back into default. Can someone please help us fight the XXXX that is our mortgage company -- I ca n't do it alone anymore.

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 2016-08-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: FL

Complaint narrative:
Hello i am having a problem with my mortgage company Penny Mac. I originally called Penny Mac with the intentions of looking for a pool loan instead I was talked into doing a refi with their company. Penny Mac told me my mortgage would be cheaper by about {$150.00} per month making my new payment {$1900.00}. As you could assume that was great for myself and my family. But, this amount did not last long bc I just received a letter in the mail saying my escrow account is in deficit by over {$8000.00} and rising! When I called Penny Mac their excuse was that they did a estimate for property taxes of around {$2000.00} but the taxes where over {$6000.00}. When I first spoke to them my deficit was in the {$7600.00} range and now just a few weeks later it 's more than {$8000.00}. They said the only thing they could do is up my mortgage to {$2500.00} over a duration of 4 yrs but yet my escrow deficit is still climbing. So now we were dropped by our flood insurance bc there was not money in our escrow account, and picked up by lender assigned flood insurance at a more expensive rate. Also when I called about this they added GAP insurance without my knowledge that day after speaking with them which added an extra {$600.00} or more to deficit. Please help Penny Mac has done nothing but take my Financial security away from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-06 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: TX

Complaint narrative:
My income is very unpredictable, so I try and make as many advance payments as I can to prepare for when things get tight. My loan was just bought by Nationstar several months ago, I I have yet been able to make a single payment. They keep reversing my payment because they say I 'm paid too fare in advance. Every time I call them I get a different answer. They stated that they refuse to take an advance payment from me. I have never had a problem with any other mortgage company I have had. I 'm so scared I might lose my house, because next year I may not make the kind of money I 'm making now. Please help me force them to accept my payments. They keep reversing them and putting them to the principal, even though that is not what I specifically designated the payment to go to. I have called numerous times, and they do not seem to care. I just want them to accept my advance payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-02 00:00:00
Product: Credit card — 
Issue: Other — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Kohl 's will not fix a chain reaction issues that started with their site failing to work with XXXX XXXX. I have spent hours on the phone with Kohl 's and a woman named XXXX at the Kohl 's Headquarters gave me a number that can not be reached XXXX and the Receptionist confirmed the number correct and issues with calls going through. I have left messages and even emailed the board of Directors. I am getting charges each month and Kohl 's told me that I am in Kohl 's collection Department despite the fact I have never paid late. Kohl 's Promised to fix this and gave the director number to XXXX which I explained and will not resovled the issue.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-04-11 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BMO BANK NATIONAL ASSOCIATION
State: KS

Complaint narrative:
I went to BMO Harris Bank located at XXXX XXXX XXXX, XXXX, KS XXXX to open a checking account. When I received my first statement I noticed the bank opened a credit line without my consent. I asked the bank to close the line of credit and so they mailed me a form to sign giving them consent to close the credit line. I brought the paperwork into the branch on XXXX/XXXX/2016 and was assured the line of credit would be closed. On XXXX/XXXX/2016 I noticed the line of credit was still open. I spoke to the branch manager and he told me the banker handling my account must be busy and he 'd talk to her about it the following week. Today is XXXX/XXXX/2016 and my line of credit remains open.

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 2017-02-14 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Paramount Recovery Systems, L.P.
State: TX

Complaint narrative:
XXXX Hospital did not file my insurance correctly which caused my insurance not to pay the full amount of the bill which now has been added to my credit and has damaged my credit. I explained to the collection agency that i am XXXX and i am on XXXX and XXXX which pays 100 percent of all medical bills and the hospital would need to file the proper insurance to get the proper payments and they refuse. I am on a limited income and can not afford to pay my medical bills which is why i am approved for both insurances. They will not fix their error which is continuing to damage my credit severally.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-05 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: PNC Bank N.A.
State: MI

Complaint narrative:
Found a Hard Inquiry entry for XXXX XXXX 2015 For PNC Bank. Do not have on file a verbal or written request for credit for this date.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-13 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
Due to the way Paypal manages their accounts it 's not entirely clear which country your Paypal account is tied to. In my case my original Paypal account was not tied to the US and when I received funds ( ~ {$1600.00} ) into this account I could n't withdraw them without having to pay a transaction fee of about {$65.00}. When I contacted Paypal I was advised to transfer these funds to my US based Paypal account after which the transaction fee would be reimbursed. 

After making this transaction Paypal refused to reimburse the transaction fee and after talking to a handful of Paypal representatives and not getting anywhere I decided to file a complaint with my credit card company as I used my credit card to pay for this transaction. 

My credit card company ( XXXX XXXX ) was able to get my transaction fee back from Paypal but as a result the funds I originally transferred were nowhere to be found. XXXX XXXX only received the {$65.00} transaction fee while Paypal 's official description of these funds is that they were in " limbo '' ( I have an audio recording of a Paypal representative stating this ). 

My Paypal account however shows my current balance to be in the negative for this exact amount so I am personally on the hook for Paypal 's systems losing this money. After talking to Paypal for at least a dozen times I have n't been able to get this resolved. To make matters worse, Paypal has now given this account to a debt collector for follow up. 

I am not sure what to do here as I have n't been able to find somebody at Paypal who is willing to accept responsibility and take the time to resolve this in the right manner.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-02-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
Bank of America has reported to the credit bureaus I was late 120-180 days mortgage payments for each XX/XX/XXXX-XX/XX/XXXX. Contacted them and they asked for bank records that dispute their reporting. I provided it XXXX/XXXX/XXXX and they responded that they were not going to change their reported although the bank records indicated I was on time and actually a month ahead by mid XXXX. They suggested we take it up with the credit agencies. This has not only impacted my credit score buy my ability to secure another home. Currently trying to contact XXXX, XXXX, and XXXX to mitigate the negative situation. Numerous attempts with BOA failed to achieve any resolution. Will never do business with them again.

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 2015-08-19 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: TRANSWORLD SYSTEMS INC
State: OR

Complaint narrative:
I am currently trying to refinance my home. After talking to a lender I found out that I have a judgement against me that I did not know about. After trying to find out more information about the debt, i.e. going to the courthouse to find the claim, calling the creditor themselves ... We could not obtain any information on this debt. We contacted XXXX and they stated that they did not have any information on this judgement and they directed us to a lawyer office which turned out to be a dead end because it is just a recording with no number to reach anyone. We have tried to contact them several times. I have not received any letters about this judgement or any other forms of contact.

Company response to consumer: Closed with explanation