vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-05-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: CREDIT ACCEPTANCE CORPORATION
State: IN

Complaint narrative:
On XXXX XXXX,2016 are vehicle was totaled, the total payoff was {$8200.00}. On XX/XX/XXXX our regular payment came out of our account for {$350.00}, we had automatic payments set up from the beginning of the own. At the end of XX/XX/XXXX our insurance paid {$7600.00} and our GAP Insurance paid {$640.00} in XX/XX/XXXX. On XX/XX/XXXX another payment of XXXX came out of our account. Between car insurance and gap insurance the car was paid off. The loan company sent us a check for {$280.00}. The loan company owes us for two full payments that would be {$710.00}. I spoke with loan company on XX/XX/XXXX and the lady said she would put in for a 5 day request to review my dispute. I called back on XX/XX/XXXX and was told it was up for audit on XX/XX/XXXX. I called back on XX/XX/XXXX and now they are saying it is up for audit on XX/XX/XXXX and it would take another 21-30 days. To me it is simple add and subtract but they keep dragging it out.

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 2017-05-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: COAST PROFESSIONAL, INC.
State: GA

Complaint narrative:
Hello my name is  XXXX   XXXX , I 'm requesting your assistance with solving the problem that I have continued to experience with financial ai de and Coast Professionals.      In the month of  XXXX ,  XXXX  I inquired about a loan rehabilitation program to continue with my college education. I was told that I would have to make a large down payment and the n 9  consecutive payments to get my present loans out of default. In the month of  XXXX  I acquired a loan and made a payment of  XXXX  that was supposed to count a s 2 p ayments to  Coast Pro fessionals. I also agreed to {$33000.00} a month to come out of my checking account on top of {$400.00} a month that was coming out of my account for garnishment.     In the month of  XXXX  I was told that my payments were complete and I was cleared of the program. I immediately contacted  XXXX  and proceeded to continue my education, and began to take classes utilizing financial aid, on  XXXX   XXXX ,  XXXX , I received a call from the  XXXX  representative  XXXX   XXXX  stating that I was not out of default ( this is the same individual that gave me the go ahead and scheduled my classes ) and to get out of default I needed to start the nine month process over. Ive completed more than  XXXX  classes and was told that I could n't take any more classes for 9 months, and I now owe the school for the classes that I took at   XXXX   that financial aide did not cover.     I stopped working  XXXX   XXXX ,  XXXX , after the death of my father. I dont have any additional money to give, this is the second go round with the company  Coast Professionals, at he end of my payme nt term they see to come up with a reason to give them more money.     Due to someone 's error I ca n't complete my education. I sacrificed to give the money that was required of me now I 'm told that I ca n't continue because I was given false information. I contacted Coast Professionals again  XXXX   XXXX , I was told to send in the required documents again to restart hed process, again I followed their instructions, yet I ; m still havent received any help.     PLEASE HELP ME

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
Chase contacted me by letter asking me to call a number I had never seen before to avoid having my account closed, which seemed suspicious to me. I called the number on the back of my card instead and was connected to several different people who spoke English poorly and were difficult to understand. None of them would properly identify themselves. I called  Chase executive  office and spoke to person who told me my account had already been closed. I asked her explain why and she said she would have to open a case and have someone get back in touch with me. She told me I would hear back from someone within 24 hours. I logged into my account on line and had a notice indicating I needed to contact Chase by   XXXX   XXXX   to avoid having my account closed ( the initial letter said I needed to contact them by   XXXX   XXXX   ) and that there was a secure message available that would explain. There was no secure message available. I called the executive office 2 days after the first time since they had not contacted me within  24  hours as they had promised. The woman I spoke with informed me they would record my call, but refused me permission when I indicated I also wanted to record the call. She was able to find that a case had been opened but had no information in it, including which account I was contacting them about. She transferred me to a "  specialist  '' who did not have any information to give me and said I had been informed wrong about when to expect a response - that I should have been told  24 - 48  " business hours '', which she explained was actually  3 - 6  business days. She put me on hold numerous times, then told me she would get back to me after she researched the case and would not give me any idea as to how long that would take. At this point I have no idea as to whether my account is open or why they would want to close it. It is not in any way delinquent.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-10 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Collection Bureau of America Ltd.
State: MD

Complaint narrative:
I sent a cease and desist letter to the collection agency,  Collection Bureau of America,  asking them to stop all efforts to collect debt on behalf of  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX . However, on  X/X/17   , I got notice that a new collection account was on my credit reports with  XXXX  and   XXXX   and saw that those entries were from this collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FIDELITY CAPITAL HOLDINGS, INC
State: IL

Complaint narrative:
Fidelity Information corp    XXXX   XXXX    XXXX   XXXX  CA,  XXXX  Has reported a debt on my credit among the  XXXX  credit bureaus. This debt was for a corporation not in my personal name. I never signed or ordered work from  XXXX   XXXX . I tried to contact them by phone and was hung up on in   XXXX   XXXX     I then sent letters denying the debt. They were returned so I looked up other known addresses and those disputes were returned by mail as well.     I informed the credit bureaus and they verified it with the company and continue to list on my credit. This company is not letting me personally dispute the debt with them but verifying with the bureaus. I looked up their reputation and this seems to be a common way of doing business.     My rights have been violated it is effecting my ability to buy a home and I want them to resolve this invalid debt with the  XXXX .     Thanks,  XXXX   XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-10 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
* Dates are estimated* In  XXXX   XXXX  I made an arrangement with   XXXX   XXXX   to pay {$2400.00} as a settlement for my Home Depot  ( Citi Bank ) credit   card.   I made  three  payment of {$400.00}.  XXXX  -  XXXX . In  XXXX  there was some confusion. My bank returned the original check but  XXXX  made a second attempt ( redeposit ) that the bank cleared. I made a total of {$1600.00} of payments.     In  XXXX   XXXX  the ACH did n't show up automatically so I tried to make a payment by phone. I was to ld Citi Ba nk had pulled the account back and they could no longer accept payments.     In  XXXX   XXXX  I was contacted by  XXXX   XXXX  and told the settlement offer of {$2400.00} would be honored but they did n't have any record of previous payments. I contacte d Citi Ba nk but never received any additional information or closure. I also made calls to  XXXX   XXXX  who said all files were sent back to  Citi B ank.     In  XXXX   XXXX  I contacted both  XXXX   XXXX  and  Citi  Bank.  XXXX   XXXX  is asking for a settlement amount of no less than {$5000.00} - greater than the original balance . Citi sa id the payments I made to  XXXX  were not applied to my account and can not verify the settlement agreement.     I have been going back and forth w ith Citi Ba nk and  XXXX   XXXX  since  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 2017-05-10 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Nationwide Debt Management Solutions, LLC
State: FL

Complaint narrative:
I have received repeated phone calls from  Nationwide Debt. My mother was called and contacted me. They threatened to contact me at work. I called Nationwide to understand the nature of the call and was informed that I owe a debt. I did not recognize the debt  yet they had personal information that I did not share with them. I tried to relay to the representative that I wanted proof of the debt. The representative was rude and condescending with me so I discontinued the call. I was later called on my job by  XXXX   XXXX  to resolve this matter.  It is one thing to contact me through family members and my cell phone and it is completely egregious to call me a t work.   My company does not condone the use of their phone for personal matters. If I broke company policy that would put my livelihood in jeopardy. I have a problem with this approach. It is my desire to never have them contact me again at work or any other number that I have not authorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-10 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
PLEASE HAVE EQUIFAX RE-INSE RT TWO CRED IT ACCOUNTS RE-INSERTED BACK ONTO MY CREDIT REPORTS, AS PER CREDIT FURNISHERS REQUEST.     RE-INSERT :     XXXX   XXXX    AUTO LOA N NO . XXXX -DEL ETED FROM CONFIRMATION NO.   XXXX    DATE D   XXXX ,  2014 IN  ERROR AND   XXXX   XXXX   XXXX    XXXX  DELETED FROM CONFIRMATION NO.  XXXX   DATED   XX/XX/2014 .      THANK YOU

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-10 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: FIFTH THIRD FINANCIAL CORPORATION
State: OH

Complaint narrative:
After I received the bill, I call the customer service on  XXXX   XXXX  to pay bill over the phone. I gave the agent my banking account info and he confirmed that that payment will be process immediately and there will be no late fee. A month later I have noticed they reported 30 days late to the credit bureau. I called Fifth Third bank and they said they will investigate but few days later I received a called and they told me I never gave them the banking info during my call. I have made notes as I made the payment over the phone on a check.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I am writing to dispute the following information in my file. I recently received a copy of mycredit reports. The credit report showed credit inquiries that I dont recall authorizing. I understand that you should n't be allowed to put an inquiry on my file unless I have authorized it. Please have thes e 15 in quires removed from my credit file because it is making it very difficult for me to acquire credit.     The FCRA states that the only permissible purpose for pulling someones credit is for : A. Firm Offer of Credit B.  Insurance C. Employment D. Court Order

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC

Complaint narrative:
I have a lot of debt with ca pital one credit  card company and it 's destroying my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-10 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Duncan Solutions, lnc.
State: DC

Complaint narrative:
On  XXXX   XXXX ,  XXXX , I was wrongfully charged with a toll violation while driving in  XXXX . I was driving home to   XXXX   XXXX  .     In  XXXX   XXXX , I received the first notice of the alleged violation. I promptly appealed the violation in  XXXX  by mailing the required evidence that showed my   XXXX    account had a positive balance on  XXXX / XXXX / XXXX .     On  XXXX / XXXX / XXXX , I was sent a FINAL NOTICE OF TOLL VIOLATION. Again this violation alleged I had driven through a  XXXX   XXXX  without remitting the {$4.00} toll due. An Administrative fee ( {$25.00} ), a Civil Penalty ( {$25.00} ), and a Civil Penalty Surcharge ( {$12.00} ) took the total amount I allegedly owed the   XXXX   XXXX   XXXX   XXXX   to {$66.00}.     Again, I responded promptly. A  XXXX  employee told me over the phone I could send my appeal via email to   XXXX   XXXX    Custome r Service. So I emailed  XXXX  a printout of my  XXXX  Account Activity, this time highlighted and circled, showing them that my account had a positive balance on that date.I emailed this to them on  XXXX   XXXX ,  XXXX .     On  XXXX   XXXX ,  XXXX , I received an email response from   XXXX   saying " Im happy to inform you that your appeal was approved, granting you the waiver of the previously applied administrative fee  ( s ). '' The l etter contained a request to contact   XXXX   to pay the {$4.00} toll. The letter did not explain why I still needed to pay {$4.00} toll ; I thought my account activity proved that I did not owe any toll. The letter did not mention any deadline to pay this toll, did not state any possibility of the administrative fees being re-charged, and did not state any deadline before the debt would be sent to Collections.     In  XXXX   XXXX , I opened a Notice of Assignment to a  Collection Agency dat ed  XXXX / XXXX / XXXX , from Professional Account Management, LLC ( " PAM '' ). The total amount due is listed at {$66.00}.     On  XXXX / XXXX / XXXX , I called PAM to dispute the charge. The agent,  XXXX , who would not give me her badge or ID number but stated her initials were "  XXXX , '' told me she was making note of my dispute but that she could not help me, I would have to talk to  XXXX .     I immediately called  XXXX , and spoke to  XXXX  and then a supervisor. Both parties would not admit any fault, and simply said that because I did not pay the {$4.00} in  XXXX , they had referred the entire amount of this completely bogus claim against me, {$66.00}, to the collections agency. I told them I would pay {$4.00} right then and asked them to alert PAM that my debt was settled. They refused.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
I applied for Best Buy Credit Card.. I never received it, I never got a Statement, I asked many times when I would be getting it. I was told up to a month or more. I decided something was wrong I called very early after application. Best Buy had all my information wrong. I had not made any purchases. I told them forget it close the account. The representative said that would be fine and account was closed. I started getting calls and looked number up I saw it was best Buy so I called again and said I cancelled and again was told rest assured the account was closed and no further action was needed.   They call 3 times daily I am not going to play account repair with someone in  XXXX . Best Buy is in the USA. his has gone on long enough

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 2017-05-10 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: WI

Complaint narrative:
I was approved online for a loan through  OneMain Financial  for {$12000.00}  XXXX  unsecured ) or {$15000.00}  (  secured by auto ) to purchase construction equipment for my personal use ( attachment 1 ). I later discussed the loan over the phone with  XXXX  employees who contacted me about the loan  XXXX   XXXX  and  XXXX  at bank phone  XXXX  ). I was told the financial institution did not make equipment loans, but that I could refinance  XXXX  of my cars and received {$9000.00} in addition to pay for the equipment. I told them I was not interested in their loan since it did not accomplish what I wanted and I felt the interest rate th ey quoted was too high. A few days later, I was notified online that my loan application had been denied ( attachment 2 ). An attachment to this denial was my credit report with several boxes checked indicating why I was " denied '' ( not attached due to personal information ).

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-10 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
My Mother,,  XXXX   XXXX   XXXX  passed on   XXXX   XXXX   XXXX  . At the time of her death, she had a checking account and a money market account with  Wells Fargo . She  di8d h er banking at the  XXXX , North Carolina Office.   I am the co executrices of my Mother 's estate, and I have attached the documents for you to have.   The account number for my Mother 's account is: XXXX  Before  Wells Fargo  took over  Wachovia,   her account number was: XXXX    My Mother always told me, my brother and I were the PODs on her accounts with   Wells Fargo.
Upon, my Mother 's passing it   was discovered my brother was the joint owner of the account as well as he and I were porth listed as PODs. I fail to understand how you can be a joint owner and a POD.   I requested the attorney 's office to get documentation from Wells-Fargo. The attorney 's office was faxed  six ( 6 )  forms with the following dates :  XX/XX/XXXX    XXXX    XX/XX/XXXX    XX/XX/XXXX    XX/XX/XXXX  and a letter from Ms.   XXXX   XXXX  , Regional Private Banker stating the following : " I realize there was some confusion with Mrs.  XXXX  failing to sign onone of the spaces on the signature card, and there being additional beneficiaries listed. " etc. I have attached the letter for you to see.   I called Ms.  XXXX  at  Wells Fargo  in  XXXX  asking her for ALL the documentation concerning my Mother 's account. She hung up on me.   With that having happened, I called the  Wells Fargo  Bank in  XXXX , NC. ( I live in  XXXX , North Carolina, and asked one of the personal bankers to please get me the documentation 's for my Mother 's Account. I went down to the bank and took him a cope of the Co Executrices information in order for me to obtain this information. He was very helpful and in a couple of days, he gave me  nineteen ( 19 )  pages. I studied them very carefully and came up with many questions about the forms.  One  of which is : on the Consumer Account Application, my Mother signed  one  page, and on the third page she only signed "  XXXX   XXXX   XXXX  '' in the blocked for the customer 's signature. Why was this not corrected was  one  of my questions to him. His answer " oh that how they sometimes do things. " .The date for this action was  XX/XX/XXXX . On the " Relationship Change Application dated  XX/XX/XXXX  she and my brother both signed the forms. Then on on  XX/XX/XXXX , on another " Relationship Change Application on she, my Mother signed the forms, with PODs being added.   I am totally at a lost about all the items not done on the forms and with the answers that  Wells Fargo  has given me- '' Oh that 's just how they sometimes do it. '' That answer makes NO SENSE to 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 2017-05-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: WI

Complaint narrative:
I scheduled my mortgage payment to be taken out of my bank account on   XXXX     I then realized a got paid on the  XXXX  so canceled payment and rescheduled for   XXXX    . They took my payment both days so I called them on Saturday  XX/XX/XXXX    when I noticed to let them know what happened and asked to please refund the second payment the lady apologized and so she could n't put directly back into my account but would send it back to me priority mail right away. After still not receiving refund by Wednesday  XX/XX/XXXX    I called and requested supervisor. She told me refund was not sent and that I need to email them proof that my payment was taken out of my account twice. I told her no one told me I had to do that and was told it would be sent to me right away. I asked her why they could put back into my account t directly and she said because they get fees for that, she did not seem to care about all the fees I got from my bank when my account was put in the negatives. I explained to her that my account is now - {$500.00} and have had other bills scheduled to come out and am now in a very hard situation. I told her I would send her my bank statement immediately and then would like my refund sent next day mail, she told me she ca n't garentee that she could do that today because it was almost the end of her shift.

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