vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-07-03 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Can't contact lender or servicer — 
Company: Santander Consumer USA Holdings Inc.
State: GA

Complaint narrative:
In XXXX, Santander Consumer USA Inc. lost my payoff check, which per the policy of the bank I made the cashiers check from, I had to wait 90 days for the funds to be returned to my account so I could make another check. During those 90 days, I made two monthly payments to protect my credit : one payment of {$450.00} onXX/XX/2019 and another payment of {$450.00} on XX/XX/2019. During this time period, I was assured my new payoff check would be back dated and both of those payments would be returned to me, in addition to reimbursement for sending the replacement check. My new payoff check was sent on XX/XX/XXXX and received on XX/XX/XXXX. On XX/XX/XXXX, I received a call from the Executive Office of Santander telling me my title has been mailed to me and overages will be sent to me on XX/XX/XXXX. I was driving during this phone call, so I was unable to verify the amount of the overages, but I told the representative that it was not correct, and was less than the amount I paid. She assured me that I would be able to call back if I had more questions. I have called their only phone number many times and the number won't let me past the bot that asks for my account number or social security number. I have entered both and it says I don't have an account with Santander. I have still not received my car title and I have not received my overages either, so there is no reason for my account to not exist. I can not talk to any representative of Santander because of this. I have two emails of Santander Executive Office employees, and I have received no reply for my request to speak to anyone at Santander regarding this problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-03 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: BMW Financial Services NA, LLC
State: OH

Complaint narrative:
Hello, i have gone in to look and test drive a car at Bmw and i was just there to look and i was pressure tatic to sign papers and now im stuck with a very high payment on this lease i said i couldnt sign because i am on medical leave due to long term XXXX and they said blah blah this is a good deal you wont get a deal like this in the future etc. I teied to call bmw financing services which is the bank and they said i can not make any arrangements im still on medical leave and it would be nice to lower my monthly payment some how. If possible extwnd the lease agreement to lower payments or lower the money factor but i was forced into leasing the car when i mentioned i cannotot afford {$580.00} month i would be happy if it was in the low 400s i can work with that. Because i have to pay insurance on top of this i do not want to get a lawyer until i can possibly solve this with bmw finance services first. I was lied to and pressures into this lease. Please give me a call XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-03 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: United Consumers Inc
State: TX

Complaint narrative:
I have tried numerous times since XX/XX/2019 to make payment arrangements with this company. each time, the representatives are extremely rude, raising their voices and hanging up on me. I offer to make payments and they refuse to accept the amount that I am trying to give, even though I tell them that what they are asking for will put me in a tight spot. I find this to be very abusive and degrading. 

The first time I called, I asked if I can make payments online. I was told that they do not have a way for me to make payments online. and, even if there was, they will not honor any payments that I make because I am not " approved '' to make payments. 

The second time I called, I was over-talked, yelled at, laughed at and was told that there are no supervisors in the company. Then when I demanded that there has to be someone overseeing the office, I was just transferred to a different rep who laughed at me and told me to call back in the morning if I want to speak to someone else. 

The last person I spoke to on XX/XX/2019, who said she was a " supervisor '', implied to that I do not keep my word and that I do not pay my bills. She lectured me telling me that I am in this situation because I can not be trusted to keep my word. Then she tells me that, even though I made several attempts to make payments, it is my fault that no payments have been made and that her Company requested a lien on me because of it. She over talked me and raised her voice and then, because I told her she was making assumptions about my situation, she yelled to me that when I am " ready '' to pay {$800.00} a month, to call back. Then she hung up on 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 2019-07-03 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: RENASANT CORPORATION
State: GA

Complaint narrative:
I am disputing this attempt on debt from Renasant Bank in the amount of {$2200.00}. This debt was originally owned by XXXX XXXX   for an auto loan that they charged off on XX/XX/XXXX. Renasant Bank then merged with XXXX XXXX after and has then since tried to collect on a debt they have charged off on their taxes with their partnership/merger with XXXX XXXX. They are stating that I am delinquent on payment and it is negatively harming my credit report with inaccurate information. It seems they are trying to get double paid one for right off on taxes a two for money out my pocket.

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 2019-07-03 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: ALLY FINANCIAL INC.
State: ME

Complaint narrative:
Dear Sir/Ma'am : We bought our car on XX/XX/XXXX. We financed our car with Ally Bank for 72 months. One year latter we had a Chapter XXXX bankruptcy. We were not told if we didn't reaffirm our car loan that it would ruin our credit. To make matters we thought we could eventually drop our gap insurance as many payments would catch us up to the cars value. On XX/XX/XXXX we were told that if we we dropped our gap insurance, that that Ally Bank would not let us lower our bank payments by {$25.00} to {$37.00} as expected.Ally Bank told us they would probably just keep the extra cash against our wills. In our opinion this over reach on the banks behalf. Thank you for your services. XXXX and XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CAPITAL ONE FINANCIAL CORPORATION

Complaint narrative:
This debt for {$14000.00} is for Capital One Bank. No date is given as to the debt. The collection agency is XXXX XXXX XXXX, XXXX -- XXXX XXXX XXXX -- XXXX, VA XXXX. The Debt is very old as it states on the collection request : " The law limits how long you can be sued on a debt and how long a debt can appear on your credit report. Due to the age of this debt, we will not sue you for it or report payment or non-payment of it to a credit bureau. '' I will not pay this debt and I want all communication to cease, either by phone or mail. If it does not cease I will consider legal methods. 
Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
Bank is closing my account and will not give me my social security 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 non-monetary relief
Consumer complaint received 2019-07-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: IL

Complaint narrative:
My mortgage was recently transferred to Loancare ( a XXXX XXXX ). I have an escrow account for my real estate taxes and homeowners ' insurance, the first installment being due on XX/XX/19. I have two PINs assigned to my home and lot. I received a notice in XXXX that a payment had been made to one PIN, the additional lot portion of my property. On XX/XX/XXXX, I initiated a call to Loancare and was given the option of entering my number to receive a call back. I did so and was never called back. On XX/XX/XXXX, I called again, reached a representative, who understood my issue and was assured that the other tax bill would be paid by XX/XX/XXXX ( which would be late ). Today, XX/XX/XXXX, I checked to see that the taxes had still not been paid and initiated another phone call. The representative informed me that there was no notation in my file about this issue, but went ahead and made arrangements for the bill to be paid. He felt that it should be about a week and I should check back. I asked if I could be given a reference number and was told that was not necessary. At this time, I don't know whether a payment will be initiated or not, but it is already overdue. Further, I believe that they have transposed the PINs and amounts so that they are reserved, which my taxing body seems to have figured out when applying what was actually paid.

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 2019-07-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: BARCLAYS BANK DELAWARE
State: AZ

Complaint narrative:
I applied for a XXXX XXXX card. The company says the card is my father 's.

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 2019-07-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
I recently found out about this problem with Midland Funding. i am very upset about this due to the fact that I was never served any legal paperwork, and due to this poor service they have a default judgement against me. I have been losing sleep over this problem, as they are wanting to steal {$12000.00} from me. I remember this XXXX XXXX debt was less than {$5000.00}, and the problem was XXXX  XXXX  tried to debit my account for {$11000.00} instead of {$1100.00} dollars that was agreed upon. When this happened my bank called me and informed me of this, so XXXX XXXX was blocked from withdrawing from my account. This caused me many problems. I have been trying to work with midland  but they are not very nice people, they are difficult to work with, aggressive and not cooperative. If I had money to hire an attorney to file a motion to vacate the judgement because I was never served, I would do just that. unfortunately the justice system is broken and since I have no monies, I can't obtain justice.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-03 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: American First Finance, Inc.
State: TN

Complaint narrative:
To whom this may concern On or about XX/XX/2019 I XXXX XXXX XXXX called American First Finance and request all auto debits be stopped as I had fraud on my XXXX XXXX XXXX XXXX ( XXXX ) account and needed to close the account. On or about XX/XX/2019 American first Finance attempted to debit a payment causing NSF charge as well as XXXX believed my account was still opened and active delaying the time it took to close the account. On XX/XX/2019 I called American first to request I letter stated that I had previously requested the auto debits to stop. At that time the customer service rep denied the request suggesting an account credit to which I denied. I then request a manager since I was only asking for a letter. The manager also denied the request. At that time, I requested the manger to set a time to retrieve the security interest as stated in Sec 8 and 11 ( 4 ) on my signed contract, to which the manager rejected the request. 
As such this absolve me of any liability

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: DE

Complaint narrative:
I spoke with a Wells Fargo customer service rep on XX/XX/XXXX over the phone to request closing my checking account. The rep stated they need to zero out my balance then submit a request via secured message to have the account closed. I logged into my account to make a bill pay to zero out my account on XX/XX/XXXX. On XX/XX/XXXX, I submit a secured message to Wells Fargo to request account closure. A prior account closure request submitted on XX/XX/XXXX was not processed. A customer service rep emailed me back this time and stated that she will close my account when the balance reached {$0.00} as the bill payment is still processing. I thought the account is already closed until I received a negative balance notice because of a {$10.00} minimum monthly fee charged by Wells Fargo on XX/XX/XXXX. I contacted customer service to asked for fee waiver due to the account closure request submitted in XXXX but they would not budge claiming it was not their error and I need to maintain a {$0.00} balance before they can close my account. 

Wells Fargo is putting in barriers to make it hard for me to request a bank closure sothey can earn bank fees. They did not process the account closure request as submitted on XX/XX/XXXX and charged a $ 10 monthly minimum bank fee on XX/XX/XXXX for having the account open. If the account was closed on XX/XX/XXXX as requested, there would not have been a $ 10 monthly fee. Wells Fargo established burdensome procedures for consumer to close their account in order to charge hefty bank fees.

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 2019-07-03 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
My funds were put on hold for 180 days and I would like to get them as soon as possible venmo is violating Florida law when it comes to money transfer service venmo should not be allowed to do business with the state of Florida venmo should be fine for the maximum extent also representatives from venmo use racial profiling when addressing my issue I'm asking for the immediate resolve and return of my money ASAP

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
Paid Victorias Secret and XXXX  XXXX Accounts in full with Community Bank, yet they are still flagging my account on my credit reports as negative. Have called repeatedly to dispute and get it updated and they are telling me they don't have the accounts anymore, yet they are still reporting as negative to my credit reports. The accounts are at XXXX so they should not be reporting it as negative. 

The accounts are Victorias Secret and XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT AND TO MYSELF. I HAVE NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO ME. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-03 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: IL

Complaint narrative:
I applied for this loan online and was contacted by a local office. My credit score was good, somewhere XXXX. These days I decided to go over the loan paperwork and was frustrated how they charge me and how little goes to the principal every month. I am on paperless bills, so I never actually went through details. The most misleading is how they introduce their product online, and what you are sold at the end. I am expecting from them the pay off balance now. I was very frustrated when went to check again how much I should repay. This kind of personal loan should do not exist. If they are allowed, they should be sold to people with credit below 500. It is a shame to call this service a financing service.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I recently found out about this problem with XXXX XXXX. i am very upset about this due to the fact that I was never served any legal paperwork, and due to this poor service they have a default judgement against me. I have been losing sleep over this problem, as they are wanting to steal {$12000.00} from me. I remember this Home Depot debt was less than {$5000.00}, and the problem was HOme depot tried to debit my account for {$11000.00} instead of {$1100.00} dollars that was agreed upon. When this happened my bank called me and informed me of this, so home depot was blocked from withdrawing from my account. This caused me many problems. I have been trying to work with XXXX but they are not very nice people, they are difficult to work with, aggressive and not cooperative. If I had money to hire an attorney to file a motion to vacate the judgement because I was never served, I would do just that. unfortunately the justice system is broken and since I have no monies, I can't obtain justice.

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 2019-07-03 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I have informed Equifax of an incorrect reporting on my credit file. They have deleted and removed the fraudulent report on my credit report but just I pulled my credit and that account has been put back on my credit report again. I am under the understanding that once and incorrect report has been deleted or removed that it can no longer be put back on someone's credit report again. I am requesting that Equifax remove/ delete the incorrect and fraudulent information being reported on my credit file. This incorrect Collection account from the " The Bureaus '' does not belong to me and wish for it to be permanently removed for good and not again placed on my credit report again., as they have recently done.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-03 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: CA

Complaint narrative:
I have fraudulent accounts on my credit report with experian XXXX  XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-03 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I sent a letter about some accounts that they were reporting that was not mine. They Verified as accurate and updated '', but the accounts are not mine. The account on my credit report that I have requested to be deleted in which they agreed. I have attempted to get your bureau to remove them via phone, mail, and on the online dispute features ( XXXX ) with no luck. The account is for someone else. The address and the name on the attached bill is not mine. I have file a identify theft for the account that is in error on my credit report. I filed a police report with XXXX county which is included in the Affidavit to get these errors resolve in a timing matter. This mistake is hindering me. Please see attached Identify Theft Affidavit.

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 2019-07-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Caliber Home Loans, Inc.
State: TN

Complaint narrative:
I was affected by the recent Federal Government Shutdown that lasted 35 days. I had no income coming in at all, all my expenses have became delinquent. I recently requested mortgage assistance with my mortgage servicer Caliber Home Loans several times for several months to bring my mortgage current and keep my home. I have remitted mortgage payments by XXXX XXXX and my payments were rejected by Caliber Home Mortgage and returned to me. As of XX/XX/2019 I have resubmitted my request for mortgage modification with financials.Received correspondence from foreclosure attorney dated XX/XX/2019 XXXX XXXX XXXX foreclosure attorney stating my property is set for property foreclosure sale XX/XX/2019. The deliver notice for the certified letter XXXX XXXX XXXX was delivered by mail XX/XX/2019 was available for pick up post office XX/XX/2019 I wasn't given a 30 business days notice excluding weekends and holidays as required by Tennessee State Law. Tennessee Code Annotated T. C. A. 35-5-107.

Company response to consumer: Closed with explanation