vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-06-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
I first filed a complaint against Chase regarding the credit reporting on my payment of the mortgage and how my payments are being applied. The reference number is XXXX. I got a response and an accounting statement. In their response, Chase decided to remove late payment status from the credit reporting agencies because even though there was a dispute regarding escrow, they admitted I continued to make my monthly payments in good faith. In looking at the detailed statements from chase I notice they are charging me late fees of {$39.00} per month for XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX for a total of {$150.00}. These charges need to be reversed as chase 's own letter says that I continued to make payments as scheduled. This is particularly idiotic as per chase 's own statement I cleared up the escrow in XXXX XXXX and it was their error about applying the XXXX XXXX as payment on principal. Also in chase 's response they cite a withdrawal from my account for city tax of {$1700.00} XXXX. The city of XXXX does not have a city tax. I want to see the the check for this tax, who it was made out to and how it was cashed. In XXXX XXXX the loan was sold to XXXX XXXX services. How do I get these guys to remove the bad information on my credit rating? Again, in selling the loan and passing on bad information, Chase has hurt me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-23 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: CITIBANK, N.A.
State: TX

Complaint narrative:
In XXXX of XXXX, I contacted CBNA ( Home Depot Credit Services ) to close my account and set up fixed payments of {$22.00} a month until the account was paid off. I was NOT informed that since I had a past due balance that the closed account would still be reported as late to the credit bureau, even with making the minimum monthly payment of {$22.00}. Now, I have 5 late payments marks ( XXXX, XXXX, XXXX, XXXX, and XXXX ) on my credit report. These late payments should be removed since I was never verbally told or received info in the mail to explain that my account with CBNA would be negatively reported to the credit bureau. If I had known my credit was being adversely impacted I would have never set up the payment plan to begin with. I would have just paid the past due balance first, then set-up the payment plan. This does n't make sense. I have made every payment on time since the payment arrangement was set-up. I ask that the late payment marks be removed from my credit report so that all credit reporting is fair and accurate.

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 2017-06-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: AZ

Complaint narrative:
Dear Sir or Madam : This is in regards to Late payments, XXXX XXXX, FedLoan Servicing, Account # XXXX Attached are copies of documents to show that there was in fact a mistake made with my billing with the FedLoan servicing. The first document is a copy of the EFT application for direct debit. The date clearly states that on XXXX/XXXX/XXXX the EFT was put into effect. The second document states that my forbearance just ended and payment should have commenced upon the ending of my forbearance. The dates for the forbearance was XXXX XXXX, XXXX for three months. This would take care of XXXX, XXXX & XXXX payments. The third document shows a direct debit extraction reminder. The date on that is, XXXX, XXXX XXXX. My payments should have not stopped with the direct debit. These documents show that I, in fact, never missed a payment during the dates listed above. Somewhere there was a simple mistake that needs to be cleared up but seems nearly impossible. In the past, I have disputed these mistakes multiple times with all credit bureaus and FedLoan themselves. Nothing was done to fix the error. All I am asking for is a little latitude while this matter is being attended too. As you can see by my previous track record with FedLoan, I have never missed a payment prior to or after the dates stated above. I have never missed a payment on my first car loan through XXXX. I have never missed a payment on my second car loan through XXXX. My credit is in good standing. I am a responsible XXXX year old young man. I run my own small business in XXXX, Az. All I am asking for is a little help to clear this mistake up. Thank you!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-23 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: American Credit Acceptance, LLC
State: PA

Complaint narrative:
Around XX/XX/XXXX, I received a call American Credit Acceptance at my work station. I could not talk at the time so I returned the call. They were calling me stating I was past due on my account. My due date is on the XXXX of every month. When talking with the representative, I told her that I received a bill for over 1,100 and at the end of the bill, it said ... your regular payment is due XX/XX/XXXX. Well, I was at the end of my loan and did n't realize it. The representative argued with me stating they did not send me this bill but was stating that I still owed XXXX. I said well why would I owe XXXX. I then said its because you sent that bill and I paid my regular monthly payment. The representative was not helpful so I requested a supervisor. the supervisor was alright. I believe her name was XXXX. I explained the situation to her and she suggested a loan modification which would break down the remaining balance over three payments. She emailed me the paperwork. I filled it out the same day and faxed it back. They received the paperwork onXX/XX/XXXX. To date, they have not processed the paperwork and I was still receiving calls in referencing to account being past due : XX/XX/XXXX, XXXX, XXXX,XX/XX/XXXX, XXXX and the XXXX. I called back several times and was told an exclusion would be placed on my account while they reviewed the request. Again, I received more calls and again told they have not processed the paperwork. They told me it takes 24 to 48 hours. I have spoke with at least three supervisors and this matter still is not handled. How does someone go from paying XXXX a month to paying over 1,100 because it is the end of the loan. I knew the last payment would be a little more but not three times the amount. Everytime I call they tell me how late I am on the account. I do not understand. I have kept my loan in good standing for five years now and at the end they want to report it badly. whenever I had an issue I communicated and made arrangements so as not to be in poor standing with the loan. No one is trying to help me and I do n't understand. Is this some sick game where they default the loan at the end. For what reason, they are being unreasonable and will not give me an explanation. Please help. I need to know what I should be doing. I am sorry, I do not have this kind of money laying around.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-23 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Navient Solutions, LLC.
State: FM

Complaint narrative:
The account on my credit report states : Date opened XX/XX/XXXX - Acc # XXXX  I spoke with XXXX business office, I was advised to strictly pay XXXX online then they would call across the street to have the obligation fee waived, I did exactly as advised. The total amount of the class was {$390.00}. ( PAID ) the total amount with the collection fee {$500.00}. I withdrew from the class on XX/XX/XXXX, I was charged for the full class amount XXXX because I withdrew a few hours past the deadline of XXXX, I withdrew at XXXX. I was unaware of the XXXX  deadline. The bill from XXXX was mailed onXX/XX/XXXX Attached receipt to XXXX  online was on XX/XX/XXXX to prevent going to collections. Then General Revenues mailed the letter of collection 4 days later. I have attached all receipts of payments. No balance owed, I even paid the collection fee trying everything I could to have them please remove collection 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 2017-06-23 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: TX

Complaint narrative:
My federal subsidized and unsubsidized loans were held by Navient. In XXXX, I filed for bankruptcy ( first Chapter XXXX, which was later converted to Chapter XXXX ). XXXX XXXX was notified properly by my attorney. I was told by my attorney as well as bankruptcy trustee that while the loans could not be discharged, they were protected against any term changes, default or late penalties. My loans were transferred to a debt collector agency instead without a notification to me. Subsequently, without any consent or agreement by me or my attorney, XXXX XXXX/Navient consolidated my loans. In spite of multiple inquiries and request to XXXX XXXX, I was not provided with regular statements or even access to the details of my loans. I opted to continue regular payments to my student loans at will, and at a guess of what minimum payment would be, because that critical information was also withheld from me. I also had no information about how my payments were being applied to my loans. Instead, I was told that I do not need to make any payments. <P/>I continued to experience the same lack of information and constant misinformation about my student loans even after my Chapter XXXX discharge. When I questioned why my principle on the student loans increased ( whereas by my calculation and records, it should have been reduced due to ongoing payments ), the company instead justified it using the terms of the " new consolidated '' terms, which by federal laws should not have happened in the 1st place. I also learned that most of my payments were being applied against the interest, and not the principle, hence why I continued to see only minimal progress towards the repayment of my loans and instead I was overpaying. By the end of XXXX, that accounting difference was about {$8000.00}, and continued to accrue interest using those terms. In XXXX, I have finally paid off the Student loans with a balloon payment. <P/>I believe, this unlawful behavior by XXXX XXXXNavient, combined with lack of customer service and proper information, resulted in ( what I perceived as ) extortion of additional payments exceeding {$12000.00} that I could not dispute against intentionally falsified information being provided to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BB&T CORPORATION
State: AL

Complaint narrative:
OnXX/XX/XXXX I was charged XXXX in overdraft fees, and then again onXX/XX/XXXX I was charged another XXXX in overdraft fees. At the time my other checking account I have with BBT had well over {$20000.00} in it. I also had requested over a year ago that my second checking account ( one with 20,000 + in it ) be linked to the checking account that received the over drafts. That was never done and I was charged XXXX in fees. This is very upsetting. And I have requested from BBT to refund them, and they have refused to. There is no reason I should have been charged these fees when I have plenty of money in their bank.

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 2017-06-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: AMERICAN EXPRESS COMPANY
State: CO

Complaint narrative:
In XXXX 2016, Amex took out $ XXXX.+ unauthorized out of my account. I have been attempting to rectify this and obtain a refund since and have been unable to recover my funds. In this time, Amex has sent my account for collections and negatively affected my credit report.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-06-23 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Chaplain Financial Services LLC
State: CA

Complaint narrative:
I have received numerous phone calls from this company. Some of them have been robo-calls with a message saying that I will be " arrested at my workplace or home and removed from the premises '' if I do not return their call. Other calls have been voicemail messages from a woman basically saying the same thing that I will be arrested at my workplace. I have called them and all I get is either a weird beep and on two occasions I did leave messages asking for more information. I have not received any information as to what this matter pertains to, who I supposedly owe money to, amount owed, or any other information ( on one occassion they left reference # XXXX ). I do n't even know this company 's name. I XXXX the phone number that has called me most ( they use several phone numbers ) and the number is connected with a company called Chaplain Financial Services in Georgia, and I 've found that this is a scam and people are saying to block them and ignore them. I did just that - block them but they are still able to leave these threatening messages.
This morning I received a call at XXXX XXXX and they left a message saying that I would be arrested by Noon today at my workplace. I called them back at XXXX XXXX. and the call went to voicemail. I asked them to give me more information in writing and by mail - not phone. All they 've ever said is my name but they have never said what amount or to whom I supposedly owe this.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: ORG GC GP BUYER, LLC
State: CO

Complaint narrative:
In XXXX XXXX, XXXX took out $ XXXX unauthorized out of my account. I have been attempting to rectify this and obtain a refund since and have been unable to recover my funds. In this time, XXXX has sent my account for collections and negatively affected my credit report.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-06-23 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
OnXX/XX/XXXX I worked with a rep. from Chase re. inaccuracies on credit card ending in XXXX.
<P/>
Chase reported that I was 'past due 90 days ' in XXXX, XXXX, and XX/XX/XXXX, according to an XXXX credit report pulled on same day ( refer to complaint # XXXX for credit report number ). The rep. reported that I had missed no payments for the months cited. In addition, she said that I was on a payment plan and " When on promised plan, no adverse reporting to credit bureaux if current on ( agreed ) payments ''

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-23 00:00:00
Product: Debt collection — Private student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ORG GC GP BUYER, LLC
State: LA

Complaint narrative:
XXXX XXXX, 2017 : In an attempt to pay off this loan with assistance from a family member, I called to get my balance. It was quoted as {$8300.00}. I questioned the balance because I am being garnished for this debt. I was advised by XXXX XXXX of GC Services that I could see my debt and payments by going to www.myeddebt.ed.gov I had NO knowledge of this site before being given this information. Upon going to that site, my report indicated the balance as {$6400.00}. A payment of {$6400.00} was made. There was still an unposted garnishment payment. I was then told there was a balance of {$1100.00}. That amount was then paid. Another payment was made. It seems their " collection costs '' have amounted to over {$2000.00} on this balance. It never gets smaller. Every day they add fees and charges on claiming 'THIS IS YOUR DEBT AND FEES ARE CHARGED DAILY UNTIL IT IS PAID IN FULL. '' There is no way to get to {$0.00} with this company. The stress has affected my health. Prior to going into garnishment I was making small payments until a medical situation caused me to go into default. I submitted documentation to this company more than 4 times via certified mail. Every time I submitted something, they wanted something else. Then they decided to serve a garnishment. The more I asked how much do they charge in collection fees, the more they blew me off. I was told their fees are NOT included in my report of payments received yet they sent me the same info with nothing indicating they charge a separate fee and the percentage of that fee. I need these people out my life asap. The Dept. of Ed. needs to look into the companies they are using as servicing agents and the amount they are charging consumers. It 's no wonder people remain unemployed and do not become home owners. The fear is there! I feel their collection tactics are unacceptable as is the amount they are charging to collect these debts.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-23 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: CREDIT ACCEPTANCE CORPORATION
State: CO

Complaint narrative:
Two y ears ago I was contacted by a attorney 's office for the SUV that I was financing 2 years ago I sent the SUV back to the financing company because the SUV was not in working condition the financing Company Auctioned the SUV I do not know how much was the difference I owe from auctioning the SUV I did subm it three paym ents to the attorney 's office on good faith 2 years ago I stop submitting payment two years ago because I am unable to pay the {$50.00} each month I did not tell the attorney office I am currently a social security recipient I receive Social Security benefits monthly because of good faith of what I owe Do to my financial income and  XXXX  recipients I am unable to pay what I owe

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 2017-06-23 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: VA

Complaint narrative:
On the dates XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, I sent disputes to Experian to investigate the incorrect reporting of a XXXX account ( XXXX ) on my credit. <P/>The most recent communication I had with Experian was through a CFPB complaint I submitted in XXXX. I also submitted a similar complaint with XXXX who had also been reporting this item inaccurately on my credit. <P/>After XXXX initiated an investigation, this account was promptly deleted from my report when it could not be verified as accurate or complete on my credit. I am including an attachment with XXXX  's exact response showing the results of their investigation. <P/>Experian, on the other hand, provided a different response. They stated the following : " Per your previous requests to conduct an investigation, we contacted the data furnisher and asked them to verify the accuracy of the information with which you disagree on three occasions. They responded and verified that the disputed information was accurate as reported. The result summaries were sent to you for review on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. '' Experian 's response shows me that my complaint was not even taken into consideration because they reiterated that they had already responded to my dispute on XX/XX/XXXX. It was automatically disregarded as frivolous despite having information that stated and supported otherwise. <P/>The issue is that the account is not even supposed to be reporting on my credit at all. <P/>I do n't understand how this can be possible? How can XXXX and Experian 's investigations yield two different results and outcomes? This does not make sense and only leads me to believe that Experian did not properly my process my dispute when I last sent it to them in XXXX. The original complaint case number for my previous dispute to Experian was XXXX. <P/>I am submitting this complaint because this account needs to be completely deleted from my credit report. If this XXXX account is not deleted, I need a detailed explanation of Experian 's findings and I need a clear response as to why they are getting different information than XXXX for the same dispute.

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 2017-06-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: ORO OC, LLC
State: MI

Complaint narrative:
On XX/XX/2017 XXXX XXXX XXXX debited my bank account for {$240.00} On XX/XX/2017 XXXX XXXX XXXX debited my bank account for {$240.00} On XX/XX/2017 XXXX XXXX XXXX debited my bank account for {$240.00} XXXX XXXX XXXX has not done any additional work accept get my account over to FEDLOAN.GOV which I just found out I could do myself. They have charged me 3 months worth of fees and XXXX XXXX says that they have not even heard of this company. I do believe this company is a scam and I am reporting them because I want my money back. I called on X/XX/2017 and asked for a refund and an explanation to where my fees were going and they explained that they were like an XXXX XXXX XXXX XXXX. They do the paper work to consolidate the loans but XXXX  XXXX said that was not true and I could have gone directly through them for free.

Company response to consumer: Closed with monetary relief