BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-11-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: UT
Product: Bank account or service
Sub-product: Savings account
Issue: Deposits and withdrawals

Complaint:
My fiancee, XXXX XXXX and I opened a savings account with Capital One 360 in XXXX of 2016. Since it was opened we have put over XXXX dollars of our money into this account for the purpose of a down payment on a home. About 2 months ago, I noticed a warning on our account saying the funds are not available for withdrawal. Both XXXX and I have called Capital One several times to get this resolved. They tell me it is on XXXX side of the account, so they can not do anything for me and for XXXX, they put her on hold for long periods of time ( as long as an hour in some instances ) and then drop the call sending her to voicemail. This is very uncharacteristic of Capital One, but we want access to our own money. At some point, we will need it.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-14
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I am a minority, single, XXXX woman in Bankruptcy Chapter XXXX and I was working with XXXX to modify the mortgage. XXXX either sold, owns, or is the servicer of the mortgage to XXXX XXXX XXXX / Rushmore address. I send a Qualified Written Request letter to all companies to find out who the real lender is. I am also challenging all the security deeds as they said that myself and my ex-husband XXXX XXXX executed them and that XXXX is out Attorney in Fact. The attorney for the Servicer who notified for regarding the Sale set for XX/XX/2017 id XXXX XXXX, XXXX at XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX. The Notice of the Sale and security Deed is XXXX as Nominee for XXXX XXXX XXXX, transferred to XXXX Investors. 
I spoke with XXXX representative and I told them that I was presently in Bankruptcy Chapter XXXX but wanted to do a modification and asked them to send me the paperwork. The representative said that would not be a problem and that they would work with me on modifying the mortgage. I also told her I wanted to make sure of the real owner the mortgage as XXXX send me another letter saying they are still the servicer. Then I received another letter that XXXX was and another that XXXX was. This IS very confusing and unethical! 
I never received the paperwork for the modification and then received a notice of from their attorney, XXXX. I replied to the attorney in XX/XX/XXXX and let him know I am in Bankruptcy as all their correspondence said they were a debt collector attempting to collect a debt. 
The next correspondence I received was a Foreclosure Sale set for XX/XX/XXXX in 3 weeks. I called the representation and explained again that I had never received the paperwork for the modification. She then told me it was too late to do a modification and that it was set for sale. I explained again that I am still in bankruptcy and she argued with me and said my bankruptcy was dismissed which it is not! I told her they could contact my attorney and he would tell them I am still in Bankruptcy. She said there was nothing she could do. 
I am still in Bankruptcy and it is active. My attorney 's name is XXXX paperwork and case number attached. 
The representative said I have 3 weeks to get my furniture and personal items out of my house or I would lose even my personal belongings! 
XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-22
Company: First National Collection Bureau, Inc.
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Over the past year I received numerous letters regarding an alleged debt, In addition to phone calls. This company or individuals have been Continuously harassing me in regards to the alleged debt. In my attempt to put an end to these harassing letter I responded that I do not owe this individual or company any money. However, as soon as I responded to one company I receive a new Collection Letter but from different company but in the attempt to collect the same ALLEGED DEBT. I can not continue to respond to all these letters because it seems that this would be AN endless effort on my part

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-19
Company: Kinum, Inc., Indianapolis, IN Branch
State: MO
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
My daughter 's father and i enrolled her together at XXXX daycare with the understanding that we split the bill ; this was also understood by the daycare. XXXX XXXX ( father of child ) discontinued payment in XXXX 2015 and XXXX XXXX XXXX did not notify me of this until XXXX 2015 ; i had continued to make my payments faithfully, ( i have all receipts. ) I was then contacted by XXXX, Inc ( at my job no less ) attempting to collect the debt that XXXX XXXX acquired. I told them upon first contact that it was his bill, not mine and not to contact me regarding this ever again. I then called the XXXX about it and the owner, XXXX, assured me that she submitted both our names and info. I just received ANOTHER call again, At my Job, today regarding this debit that is not mine. Not only had i already told them not to contact me again and they did, he was very unprofessional and rude, making statements that were inappropriate and acting like they were trying to get ahold of XXXX. Regadless, they are not following FDCPA federal laws at this collections agency. i have been in the industry and i know for a fact if someone says not to call again, you do n't call again.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-30
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: MD
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Managing the loan or lease

Complaint:
On XX/XX/2016, my family came over to my place in XXXX, XXXX for dinner before I drive to XXXX. One of family members asked if she could use my computer to pay her Nissan bill. I allowed her to do so. Everything was fine until on the XXXX while I was driving on the hwy and need to put gas in my car. My debit card was not working, I noticed that the balance on my XXXX account was lower than it should be. I found that there were two unauthorized transactions on my account. After I asked XXXX [ my mother ] to add me as authorized user, I contacted Nissan as soon as possible and were asked to help them locate both XXXX and the vehicle before we could move on to the refund process. When we found the vehicle at one of the Nissan dealers in XXXX, I contacted the same Nissan employee to inquire about the refund but could n't get her to pick up the phone. I left many voice messages but she never returns my calls. I also reported to XXXX but Nissan told XXXX and me to give them 45 days but they never response to my complaint. 

I would like to point out that the vehicle was n't under my name and never authorized anyone to use my bank account to pay for the transactions. Nissan should have protected me and refund the money after my first call and should n't have asked me to help locate the vehicle or the person in the first place. 

These are the transactions info obtained from XXXX : 1. # XXXX XX/XX/2016 {$1200.00} [ this amount included {$20.00} XXXX fee ] * 2. # XXXX XXXX/XXXX/2016 {$1500.00} [ this amount included {$20.00} XXXX fee ] * I 'll deal with XXXX fees on my own, please exclude that amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-28
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: NJ
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Managing the loan or lease

Complaint:
I received a notification from XXXX stating that my credit score dropped from XXXX to XXXX. When I further investigated the matter, I found out on my own that Nissan stopped withdrawing my auto pay unbeknownst to me. Apparently, I am two months behind without any notice from Nissan. I believe that they are in direct violation of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-22
Company: RoundPoint Mortgage Servicing LLC
State: OH
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I filed complaint # XXXX with Consumer Financial Protection Bureau on XXXX XXXX, 2016. IN this complaint I indicated that I filed paperwork with the HAMP program with Rounpoint Mortgage Servicing Corporation , Inc., and received no reply. I also indicated that I had been working with other organizations and public assistance programs. On XXXX XXXX, 2016, I drove to the XXXX County Sheriff 's office with my fiance, XXXX XXXX, to file a complaint unrelated to this case, and was served foreclosure papers.

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 2017-03-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Credit card
Issue: Advertising and marketing

Complaint:
I received an automated call from XXXX. It said to select 1 for the last day of the promotion. I selected 1 and spoke to a man. I asked him what credit card he was referring to. He listed a ton ... Visa/MasterCard for XXXX, Capital One, he named a few others. I asked what specific account he was calling about and he told me Capital One. I told him that I was on the DO NOT CALL list and the only reason I should be called is if fraudulent chargers are found. He told me I was not listening to him and the said he was going to cancel my account. " Excuse me? '' I asked. He said ... " You heard what I said '' and then hung up. I called Capital One. They said they do not call with promotions, only fraudulent charges. I did not think a Capital One employee would act so professionally. I should have played along a little longer to see if he was going to ask me for my credit card info. I think this is likely a scam and should be reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-24
Company: General Motors Financial Company, Inc.
State: AZ
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Taking out the loan or lease

Complaint:
GM Financial has not released a lien on my vehicle. I paid them the balance of the loan via XXXX XXXX as requested by the company and per their company policy they stated the lien release would happen in XXXX business days. GM received the balance of the loan on XXXX/XXXX/16, per their customer service rep. and it is now XXXX/XXXX/16, and the Arizona Motor Vehicle Dept. still has not received the lien release electronically. GM 's rep. states it was done XXXX/XXXX/16. I received a notorized Lien Release letter XXXX/XXXX/16, and contacted the AZ MVD and they state they have not received an electronic lien release from GM.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-26
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
XXXX/XXXX/27 Dear Consumer Financial Protection Bureau : Attached is a follow up complaint to my initial complaint number XXXX due to incomplete Santander Bank manager and/or representatives ' response to my request. Thank you for your help. 

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
Consumer complaint received 2015-08-22
Company: HANCOCK WHITNEY BANK
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I am complaining on behalf of my mother and myself in my role as trustee of her trust account. I have only recent become involved in the current matter as a result of the bank denying my mother access to her trust account. This account has a balance of approximately {$250000.00}. Apparently the bank has never paid any interest on the account. Although she is the beneficiary of her trust she is denied access to the account. She has not needed the funds until recently, but now needs them to live. My mother is XXXX years old. The bank has clearly exploited an XXXX and vulnerable individual. As trustee of the account I have tried to have the bank provide access to the funds to my mother. Having received no cooperation from the bank I instructed the bank in my role as trustee to transfer the funds to another institution and close the account. The bank has declined despite being given specific and unambiguous instructions. The bank wants me to appear in person. I live in XXXX and the bank is in XXXX. It is not possible for me to appear in person and the bank knows this. This bank has and continues to be engaged in the exploitation of my mother.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-09
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: NV
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
Every time a make a payment on my XXXX Nissan Ultima they charge me {$12.00}. I have asked them more than XXXX times if there anyway to avoid paying the fee, and is there another way to pay. I have even gone to the dealer I purchased the car at they tell me no as well. 

Here is the ask question I asked again yesterday on the phone and today in an email format : How do I avoid the {$12.00} extra finance charge not in the APR of my truth and lending? 

My name XXXX XXXX My account # is XXXX My car is a XXXX Nissan Ultima I did n't realize there was a CFPB. A mortgage loan officer told me about. If I had known the CFPB had existed before, I would have already filed this complaint as this has been going on for almost 4 years now. 

They force me to go to this XXXX XXXX site which is directed straight from Nissan. 
I believe this should have been disclosed as another finance fee and calculated in my APR when the original loan was disclosed. This is an extra {$150.00} a year extra I have been paying that is a true cost. 

Thanks for any help you can offer me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-27
Company: CREDIT BUREAU OF NAPA COUNTY, INC.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This business calls me from XXXX to my work # about XXXX times a week. I have written records of date and time they called. One day I picked up the phone and the lady was very pushy in asking me personal information such as " verification '' of my address etc. She said I owe money to " her client '', but would not disclose the client. I said if they know my phone they must have my address, and to dispute any bills by mail. She sounded increasingly frustrated that I would not even hint my zipcode etc. 
From that point on I have been receiving robocall phone calls. They never leave a message, but if I pick up the robocall says my name ( incorrectly pronounced ) and says that this message is for me and if I continue listening to it I acknowledge myself. It then goes on to say to call them back at this number XXXX, and that they are Chase Receivables. I do not have any debts, and I never list my work phone # anywhere except insurances though my employer. This business is a phishing scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-09
Company: URS Holding, LLC
State: NJ
Product: Debt collection
Sub-product: Auto
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I 'm called a lot between XXXX and XXXX.. Also, I was hoodwinked when trying to set up a payment plan with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-07
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NC
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
EX SPOUSE WAS ABLE TO OBTAIN A LOAN IN THE AMOUNT OF XXXX ORIGINALY ASKED FOR XXXX. WAS SPOUSE AT THE TIME OF THIS LOAN. I WAS NOT AWARE OF THIS LOAN. FOUND OUT AFTER WE SEPERATED IN 2014. SHE WAS ABLE TO DO THIS ALL OVER THE COMPUTER. HER AS THE PRIMARY AND ME AS THE CO/ BORROWER. HOW IS A BANK ABLE TO DO THIS WITH OUT PROPER AUTHORIZATION. AND IT WAS DONE USING MY ALIAS. WHICH I NEVER DO ON LEGAL BINDING THINGS THAT REQUIRE AN ID, I DID NOT Authorize, or take out this loan. HOPE YOU CAN HELP.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-03-25
Company: Diversified Consultants, Inc.
State: IL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
XXXX in my book is a thief & scammer, th eworst Customer Service when custmers really are at there Mercy! 

I refuse to pay any more money to them. 

XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-08
Company: Diversified Consultants, Inc.
State: HI
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint:
I had a tablet that used data from XXXX back before my bankruptcy. It was a on-demand thing, so when I did n't use it there were n't any charges on my bill. I removed the SIM card from the tablet in the months before I declared bankruptcy while I was selling my possessions to pay my debts. 

Mind you, this thing was n't plugged in and I did n't have a contract. Somehow, XXXX started positive balance ( a credit on their books ) to a negative. My bankruptcy went through and I thought the matter was done with. Now, I 'm getting calls from XXXX, CA. A company called Diversified Consultants is attempting to collect on this debt, which is a piece of XXXX to begin with, but should have been discharged completely by my bankruptcy.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-05
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AZ
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint:
I have a USAA charged off that 's being reports monthly to my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-31
Company: URS Holding, LLC
State: VA
Product: Debt collection
Sub-product: Credit card
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint:
I had fallen behind on payments with a XXXX XXXX account. I paid AllTran debt collector XXXX on XXXX/XXXX/XXXX which brought the account up to date. I was able to continue making payments on XXXX XXXX website and have done so every month since XXXX. I have been contacted in an attempt to collect the debt every month. I have told them I am not behind on the payments and am making payments as agreed with XXXX. They agree each month that they should not be calling. Last month I informed them I was beginning to consider the phone calls harassment as there was nothing for them to collect on. They agreed. I asked that I not be contacted again. Today ( XXXX/XXXX/XXXX ) I received a voice mail from XXXX at All Tran ) again regarding this account which is showing current and no payment due until mid XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-04
Company: JPMORGAN CHASE & CO.
State: OR
Product: Debt collection
Sub-product: Mortgage
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint:
Calling me monthly asking when I will make a payment. Have not been late on a payment in over 3 years. They have no reason to call me. Have ask numerous times not to call me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-10
Company: Nelnet, Inc.
State: HI
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint:
Firstmark Services ( a division of Nelnet ) is calling me every 10 minutes despite my request that they not do so. I have been late with my student loan payments the past 2 months, but I always pay : I have paid my loans consistently for over 12 years! They are intentionally harassing me with extremely frequent phone calls, instead of leaving a voice message or sending an email. I found multiple similar complaints by XXXX searching their phone number, XXXX. They are also using some sort of countermeasures to circumvent call blocking ( after successfully blocking their call once today, they were able to AGAIN ring my phone about 10 minutes later ).

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-28
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
There was a loan account opened under my name due to identity theft. I disputed the information with   XXXX   and   XXXX   by providing police reports and identity theft affidavits and was successful in having those bureaus remove the incorrect information. However, Equifax refused to look at my information and sent an automated response that the information could not be verified which is keeping this account on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-27
Company: JPMORGAN CHASE & CO.
State: WA
Product: Credit card
Issue: Rewards

Complaint:
I have a Chase XXXX Visa credit card, which I 've had for a few years now. On the card anniversary, Chase promises to give the cardmembers a hotel award night, which is placed in the cardmember 's XXXX account. My anniversary was some time in the fall of XXXX, and I did not receive my hotel award. I did n't realize that my award was missing until XXXX of XXXX, at which time I called both Chase and XXXX on various ocassions asking for my hotel award. XXXX companies blamed the other company for the issue, but eventually Chase sent me a letter indicating that I should have my award within 10 business days from XXXX XXXX, XXXX. It has now been approximately 40 business days since XXXX XXXX, and I still do n't have my award.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-30
Company: JPMORGAN CHASE & CO.
State: TX
Product: Credit card
Issue: APR or interest rate

Complaint:
Received a XXXX misc from Chase Bank for overpaid interest due to the Service Members Relief Act. We are frustrated because this should not be considered income for us to pay taxes at years end. This was already tax from paycheck and then we issued a payment against the credit card debt. This is owed money. Not taxable money. I 'm not sure how these banks can get away with this.

Company response to consumer: Closed with explanation