vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-10-31 00:00:00
Product: Debt collection — Auto debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: General Motors Financial Company, Inc.
State: MI

Complaint narrative:
GM Financial, called my mother over and over again, I have written sworn statements from her that I will be using in court since they are trying to sue me. She repeatedly told them to stop calling her and any information that they needed would have to come from me. So they were calling her asking her do so know where the car was, and I was behind in my payments. What 's sad is they went to the measure to tell her that they would give her XXXX XXXX dollars if she told them where the car was. Now remind you my mother is sick and this was happening every single time they called her. Next, the repo man knocked at my door and my family member answered the door and told him the car was n't here then he told her well they going to sue her and start garnishment of her checks. she told him they have to do what they have to do cause it 's not here and plus she do n't work. I just think it 's sad for any company or someone working for the company to tell people in detail your business. I have people coming to court with me to tell the judge what was going on. So I gave the car back and it 's not like the car had to be towed from my house. The repo man drove it away the car was never damage or in accident so tell me how you sell a car for XXXX that 's being reported on there papers. But I have another paper stating that they sold the car for XXXX But XXXX went to the car to make it seem like I made a payment so they could keep it on my report longer I ca n't wait to go to court. I even asked for a payment history and they sent me payments history from XXXX till XXXX mind you I had the car since XXXX Then they sent me paper work with XXXX different amounts for repossession fees for XXXX on one paper XXXX on another paper,XXXX On another paper really which one is it. Then there is a assignment contract which requires Ameri credit and the car company to sign for this to be legal only the car palce sign the letter, which it states that dealer-seller and Americredit must initial well Americredit never signed it at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-31 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Tower Loan of Mississippi, Inc.
State: MS

Complaint narrative:
I had already had a loan with company and only owed them XXXX on the loan, and needed more money. so I called in for XXXX and told them I wanted on separate account, but they did not. They refinance the same account and now I owe them XXXX, which is not right, because I did n't borrow nearly that much.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
I recently looked at my credit reports and noticed that this GMAC MORTGAGE reported 30,60,90, 120 day lates on my reports WITHOUT ever telling me they were going to report them. I believe this is incredibly unfair and had I received the federally mandated notice to me, I would have paid on time. 

According to the Fair Credit Reporting Act Section 623 ( a ) ( 7 ) ( A ) ( i ) and ( B ) ( i ), they has a responsibility to provide a notice furnishing of negative information, in writing, to the customer and that this notice is to be given to the consumer prior to or no later than 30 days after furnishing the negative information In fact, the Federal Reserve even created a published form so that creditors can be in compliance. Here is the compliant verbiage : We may report information about your account to credit bureaus. Late payments, missed payments, or other defaults on your account may be reflected in your credit report. 
In short, I never received such a warning notice! 

I understand that according to the Fair Credit Reporting Act, failing to provide this notice can result in a penalty up to {$2500.00} and can be enforced by the FTC, and that my state attorney general can also enforce this with a {$1000.00} penalty as well.

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 2017-10-31 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: The J. G. Wentworth Company
State: CA

Complaint narrative:
XX/XX/XXXX applied for an online quote and lock in mortgage rate for an FHA 30 year fixed loan with J. G. Wentworth Home Lending, XXXX XXXX, FL with agent XXXX XXXX.. Agent said she needed an authorization to pull my credit to lock in a rate. On XX/XX/XXXX I gave authorization. Loan agent said she locked in 3.625 rate for an FHA loan for me on XX/XX/XXXX for a 60 day lock and said she would send me confirmation of the lock. She asked me to provide all my financial information on their site which I did. She asked me to send in all supporting financial documents which I did. I called numerous times without response asking for the lock in quote she promised. No positive response. I emailed her after about 20 days of not receiving it. No response. The following day I gave her an ultimatum to send the lock in quote she promised and that J.G.Wentworth advertises that you can get the same day, and if I did not receive it I would file complaints. No response the next day but the following day I received a rubber stamped introduction letter from her stating to fill out a computer based questionaire which obviously been tampered with. No matter what figures I submitted in the 6 question format, it stated I did not qualify unless iI had excellent credit and a whopping 70 % down payment. Only under these terms would she be able to get me 3.875 %. Its obvious this was a passive/aggressive way to attempt to humiliate me by fraudulently tampering with the system she submitted to me. These are foolish qualifications which indicate to me she did not lock in the 3.625 as promised. I had already been pre qualified by two other lenders and was seeking this company because they advertised lower rates. She wasted my time, and now that my escrow is getting ready to close, my new lender wants to charge me {$5000.00} in points to bring down the current rate of 3.875 % to 3.625 %. I am accusing J. G.Wentworth of 1. false advertising, 2. false promises, 3.misleading, 4. misrepresentation, 5. improper lending practices, 6. possible mortgage license violations, 7. fraud, 8. personal financial damage, 9. improper use of my personal financial information.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-10-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MS

Complaint narrative:
Extended overdraft fees. Bank of America has been sued before for doing such things but still charge these fees to customers.

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 2017-10-31 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Fee problem
Company: BB&T CORPORATION
State: GA

Complaint narrative:
I opened a checking and savings account with BB and T in XXXX, Georgia. 
The bank ordered me a debit card. I never received the debit card from them so I requested a new card be sent to me. They sent me the new card but the bank accidentally attached the debit card to my savings account instead of my checking account. I used my debit card as usual ( thinking it was attached to the checking account ) and on XXXX XXXX, XXXX, I was charged a XXXX time activity fee of XXXX for excessive withdrawals/used of my debit card. I called the bank on the XXXX and the customer service agent said he could refund me XXXX. That is not nearly enough. 

I visited the bank on XXXX XXXX XXXX. I went into the bank to speak with them XXXX XXXX XXXX XXXX when I noticed the statement activity fee charge and the phone call only resulted in the XXXX credit. They immediately took that debit card saying it was a mistake, and they issued me a new debit card attached to the correct account. They said they would have to forward the issue to an upper level manager for approval to reimburse the funds. In the meantime, there had been an additional XXXX} in activity fees also added to my XXXX statement for the same problem. ( Charges prior to me visiting the bank to inform them ) Total activity fees that have been charged to me for excess use of my savings account was XXXX 

It has been XXXX weeks and I have not been reimbursed. I have called and emailed many times and no one is able to solve the problem as of yet. I did not know that the card was attached to the incorrect account, my phone app that the bank said to use showed both accounts as checking and the amount was not taken each time I went over rather it was charged as a XXXX time large fee at the end of the month so I would have had no idea there was a problem until I read my bank statement. 

This is an excessive amount of money that I would like to get back asap so I can pay my bills. Thank you so much.

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 2017-10-31 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Vital Solutions, Inc.
State: MI

Complaint narrative:
I contacted XXXX XXXX on XX/XX/XXXX and spoke with XXXX in the payment solution department about a collection letter I received in the mail XX/XX/XXXX. The date on the collection letter is dated XX/XX/XXXX stating that I owe XXXX is the balance due in full now this account was placed for collection to Vital recovery services. I told XXXX that I am only 30 days late and I 'm sent to a collection agency for the full balance. Wow I dispute that balance cause on the site it is XXXX. So the collection agency added extra money and still adding according to the letter it might be more depending on when it is paid. XXXX from the payment solution department told me that all I have to do is pay the past due of XXXX plus late fees that might not been added yet to bring my account current then call them and they will buy back the loan I was also told that I need to make that payment to Vital Recovery Services. This makes absolutely no sense. I was also told that the balance was incorrect it should be what I stated above the XXXX so not trusting there so call collection someone have there communication crossed. I believe that XXXX XXXX XXXX is trying to extort more money. At this point I 'm asking for verification of this collection that was placed by XXXX XXXX. This is totally misleading and deceitful.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-31 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: AMCOL Systems, Inc.
State: NC

Complaint narrative:
AMCOL SYSTEMS INC Account # : XXXX Date : XXXX XXXX, 2015 I have a collection account on my credit report from AMCOL SYSTEMS INC. Please be advised I am disputing this collection due to the fact the AMCOL SYSTEMS INC does not currently have a valid license to collect debt in the State of North Carolina according to the North Carolina office of financial regulations, I am requesting that you delete this account from the file or provide me physical proof that you are licensed to collect debt in North Carolina. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: BARCLAYS BANK DELAWARE
State: OK

Complaint narrative:
To whom it may concern : 1 ) My credit card limit was reduced three times, and although I received a notice about the decrease, it was insufficient. After Barclays Bank decreased my credit limit, then I get a notice in the mail, after the fact. 

2 ) The corporate ( office of the president ) representative XXXX XXXX, has been very unprofessional and discourteous. She sent me a letter rudely stating that she would NO LONGER reply to my complaint, which is absurd. 

3 ) The whole experience in Dealing with XXXX XXXX has been horrendous. She is very condescending and unpleasant. She did not specifically tell me why Barclays reduced my credit limit, other than to tell me what 's in the credit report -- which is n't derogatory. I have paid this account and all others on time. She sounded like a broken record and would not adequately communicate with me as a person, but treated me like a robot. 

4 ) My credit line should be restored back to {$10000.00} and should have never been reduced. The next time I get a notice, it needs to be BEFORE they reduce my credit limit, not AFTERWARDS, which is too late. 

5 ) Barclays Bank has caused my credit score, which is relatively high, to lower. This is derogatory against 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 2017-10-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: IL

Complaint narrative:
Please find enclosed printed account records to support the following problem with my accounts. On XXXX XXXX, 2017 I  made a mobile/Internet Banking transfer of {$1000.00} USD from my HSBC Premier Checking account # xx-xxxxxxx to my HSBC Premier XXXX account # XXXX, Transaction Reference # XXXX. As the records indicate the amount was debited from the Checking account but was not received in the XXXX account. This has affected the balance as now incorrect and caused more interest to be charged than should have been. 
Would you please look into this matter at your earliest possible opportunity and post the corrected amount to my XXXX account and adjust the interest payment. 
Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-31 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivables Performance Management, LLC
State: SC

Complaint narrative:
This collection agency has listed this on my credit profile without proper validation. I do n't have a contract signed with this agency or the original creditor. This collection agency has failed to send proper papers via mail notifying me this before listing on my credit. I have contacted this company and a csr stated it will be removed and sent back to original creditor. This has not happen yet. I will exercise all my rights since this is hurting my credit extremely and proper measure has n't been taking with the company.

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 2017-10-31 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
I 'm currently paid ahead on a XXXX XXXX school loan. 

I 'm attempting to make a principal payment. I understand that the payment will first be applied to interest ( i owe approximately {$30.00} in interest and am attempting to make a {$1000.00} payment so $ 900+ should go to principal ). 

There is NO option to do this online, if I make the XXXX payment it will automatically pay as a payment and just advance my due date. I do n't want to pay 10+ months on this loan, I want to pay down the principal. 

I 've called the lender and was, at first presented with this option : Make the payment online, then contact them once it posts ( 2-3 days ) then they will request that that payment be changed to a principal only payment but that could take 2 weeks. In the meantime, I 'm paying interest on the entire principal amount while that money is sitting in limbo. 

Finally, after extensive complaining about how cumbersome this process is the representative offered to make a phone payment ( free of charge ) which should mean that it only takes 2-3 days to process. 

I 'm frustrated that it 's not easier to make a principal only payment on student loans. I 've paid and will continue to pay a ridiculous amount of interest on these. I understand that. I have n't defaulted, my payments are current and I 've accepted that this is my burden. But there should be reasonable means available to pay off principal. 

- A sincerely frustrated borrower.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PLANET HOME LENDING, LLC
State: CA

Complaint narrative:
I recently looked at my credit reports and noticed that this PLANET HOME LENDING , LLC reported 30,60,90, 120 day lates on my reports WITHOUT ever telling me they were going to report them. I believe this is incredibly unfair and had I received the federally mandated notice to me, I would have paid on time. 

According to the Fair Credit Reporting Act Section 623 ( a ) ( 7 ) ( A ) ( i ) and ( B ) ( i ), they has a responsibility to provide a notice furnishing of negative information, in writing, to the customer and that this notice is to be given to the consumer prior to or no later than 30 days after furnishing the negative information In fact, the Federal Reserve even created a published form so that creditors can be in compliance. Here is the compliant verbiage : We may report information about your account to credit bureaus. Late payments, missed payments, or other defaults on your account may be reflected in your credit report. 
In short, I never received such a warning notice! 

I understand that according to the Fair Credit Reporting Act, failing to provide this notice can result in a penalty up to {$2500.00} and can be enforced by the FTC, and that my state attorney general can also enforce this with a {$1000.00} penalty as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-31 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Medical-Dental-Hospital Bureau of San Antonio
State: TX

Complaint narrative:
My medical debt was sent to a collection agency after the bill had been paid. 

Bill was to XXXX XXXX XXXX XXXX XXXX, TX XXXX Bill was paid on XX/XX/XXXX. I will attach the image of the posted transaction on my credit card statement. 

Received letter from collection agency " Managers Office '', XXXX XXXX dated XX/XX/XXXX stating the bill was still owed. Will attach image of that as well. 

A negative score has been falsely added to my credit report. When I contacted both companies they told me it would take 4-6 weeks to resolve. I want action immediate against these 2 companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: OR

Complaint narrative:
Citi Financial credit card company is refusing to credit my account for payments made for the month of XXXX. I submitted XXXX payment on XXXX XXXX, XXXX. I always call to verify payments went through. When I called, they said it did n't go through, they said I " had never used that account before. '' They would not tell me what account they were talking about or verify what account number they were using. I used an account I have used for years, which has more than adequate money to cover the payment. I resubmitted the payment, by phone, to the customer service representative on XXXX XXXX, XXXX. When I called on XXXX XXXX, XXXX, to verify they had made the payment, again it was not credited. I submitted the XXXX payment again, even though they still would not verify they had transcribed the account number correctly. On XXXX XXXX, when I called again to verify, it was still not credited. I submitted another XXXX  payment. You see, this is a XXXX interest account which will start charging interest if a payment is made late. Again, Citi refused to tell me the account number they were using or if they had miss written the number. Finally, I transferred entire balance to a different card and attempted to close Citi. They keep adding fees & will not close it. I never received a bill, either.

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 2017-10-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I was added as an authorized user on my wife 's XXXX XXXX credit card roughly four months ago, I noticed XX/XX/XXXXand XX/XX/XXXX updated my reports immediately to reflect the accurate information, by doing this my score and improved drastically. I have been waiting for Experian to update and when I noticed they have never updated this information I called them on XX/XX/XXXX to address this issue, I was told they could not add this account because it would negatively impact my credit file due to 2 late  payments in XXXX. My wife is unaware of any late payments and according to XXXX and XXXX payment history is great! I requested this account to be added and the representative stated they could not do it. This is causing about a 100 point difference in my scores everything else matches up except this.

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 2017-10-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAVALRY INVESTMENTS, LLC
State: FL

Complaint narrative:
Since XXXX of this year ( 2017 ) I have requested Debt Validation from Calvary Portfolio Services, LLC. During the course of the past five months I have been ignored and this company has failed to produce ANY form of debt validation. However, this alleged debt is still being reported to the credit bureaus and is negatively impacting my credit worthiness. On XXXX XXXX I sent a third Debt Validation request via certified mail. The correspondence was received on XXXX XXXX. As of today XXXX XXXX, Calvary Portfolio has not responded. This company is violating my consumer rights and not adhering to the guidelines set forth under the FDCPA. 

This is not my debt and it should not be on my credit reports at all. 

I have included a copy of the third debt validation request I sent and postal confirmation of delivery.

Company response to consumer: Closed with non-monetary relief