vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-11-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: United PanAm Financial Corp.
State: NY

Complaint narrative:
My car was repossessed on XX/XX/2018. I have filed a previous complaint about the repossession with the issues that still have not been resolved. In getting my car back first of all XXXX XXXX XXXX  knew I was getting my car back and the very day I payed to get it back they transferred it out of state. Leaving me with a XXXX bill to even pick up the car. When I got in my car the muffler was really loud. As I drove the car I noticed that I was having a hard time steering it. My car was 2 hours away by the time I got home I was horrified. The very next day I called XXXX XXXX XXXX  and was told that it was the responsibility of the company that did the repossession. I called and filed a report with the repo company and was jerked around for almost 2 months I do believe. All the while I am driving a car that isn't safe according to New York State laws. Well after I got the denial letter telling me that it is pre-existing. It's not because the day I had the car repded I had just drove back to NY from Indiana. In the condition the car is I can't even go to Indiana. This is what is wrong with my car, the whole muffler system is off the car, I have no horn, I can barely steer the car. Making right turns in really difficult. I have a new key for my car and also I have no horn. The other day in a ice storm I slid off the road because I couldn't control the car. My car can not be NY inspected because in the condition it was given back to me it will never pass inspection. Like in the repossession they have given me the run around. XXXX XXXX claims that she was trying to call me to resolve the matter but I never responded. Well if I wasn't answering me she could have sent me a letter telling me that they are trying to get a hold of me. I got nothing. My car is not safe to be on the road according to New York State law.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-19 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Alliance Collection Agencies, Inc.
State: WI

Complaint narrative:
They call from a blocked number. I dont answer because I dont know who it is. I changed my number and they somehow get my new number. I feel like theyre doing something illegal by getting secretly getting my new number. I also read that its unlawful for them to call my cellphone. They also say my name wrong so technically they have the wrong person.

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 2018-11-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc.
State: GA

Complaint narrative:
I have reached out to you stating that I've never had a problem with payments. XX/XX/2018 was the 1st time I've ever had any issues. You extended my payments claiming this was the best way so it wont be reported due to my good paying history. The address I have, which is a p.o box is the same p.o box I've been using since the beginning. I agreed to allow you all to extend my loan so I wont be reported. Now here it is XXXX, and I mailed off the XX/XX/XXXX payment XX/XX/2018 to the same address one of the representatives gave me. I have a copy of the letter that was mailed XX/XX/XXXX, along with my full address. If there was a problem, I would have gotten it back a long time ago considering today is XX/XX/XXXX. I see that yall have added extra charges to my account that is not awarded because I have proof, just like I did in XX/XX/XXXX that I did indeed send it. I have receipts, picture of envelope at post office with the correct address that was given to me the day of sending it. Apparently there is no problem with the address, and if it was, why would the representative give me a false address. I want to be treated fairly, and not to be made to continue getting an extension or whatever it's called, just to continue pushing my maturity date up. I feel like since my letter has not returned, that it's just being held knowingly, just so you can tell me you dont have it. Well someone has it because it was not return to the address that on the letter. I would like this resolved without you all putting extra charges on me when it's not my fault. I would like to see the right thing happen, despite the credibility that you all do not have for being fair. I XXXX XXXX, have proof for everything within this complaint to show that I did pay before the 10 day grace period was up that is given before late charges are applied. I pray that this matter can be resolved in a respectful and just manner. 
XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-11-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC.
State: OK

Complaint narrative:
I had approximately {$26000.00} in loans from various companies when I finished school. I quickly decided to consolidate, I notified all of the companies. I had no problems until I discovered that everything was transferred to XXXX but around {$2500.00} was somehow left with NAVIENT. NAVIENT reported me as late. I have maintained a near perfect credit score all of my life but what was a in the 780s range is now in the 560s range. NAVIENT will not help my although I have mailed in every possible document, I have email them many time and spent hours on the phone. I have spoken with the Department of the Customer Advocate many times. All I get told is that there is nothing they can do. I have spent countless house researching what went wrong and I admit that I did make a few mistakes during the consolidation process but at this point I feel that NAVIENT is simply unwilling to review this mishap or take into consideration that I have never had a late or missed payment in my life which is why my credit score was almost perfect. 

NAVIENT can not send a letter detailing conversations and say they consider the matter closed and expect this to go away.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-19 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: FACTUAL DATA CORP.
State: TX

Complaint narrative:
quires that are not mine please correct and remove them

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-19 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: Innovis
State: TX

Complaint narrative:
quires that are not mine please correct and remove them

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-19 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Phoenix Financial Services LLC
State: LA

Complaint narrative:
I checked myself in to the emergency room at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, AL XXXX, ( XXXX ) XXXX sometime in XX/XX/XXXX. I was told by their billing staff before treatment that I would have a {$30.00} co-pay and my insurance covered the rest of the fees.Then on XX/XX/XXXX an account was posted on my credit report in collections for {$850.00} by XXXX XXXX XXXX. When I contacted them in XX/XX/XXXX they told me the account was for unpaid medical expenses from that visit. I had received XXXX correspondence from them them whether by phone, mail, or email. I have had the same phone number since XX/XX/XXXX, there is no possibility of being unable to reach me. I don't even know if this company ever purchased any account of mine as they have sent zero information regarding it. 

I opened a dispute through XXXX on XX/XX/XXXX and their investigation was completed XX/XX/XXXX in favor of the lender. At least now I have some evidence that their company has SOME legitimacy. However, now as of XX/XX/XXXX, as a direct result of my dispute, my account looks like it was sold to PHOENIX FINANCIAL SERVICE XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX But the account shows that it was opened XX/XX/XXXX and not when it originally was posted in XX/XX/XXXX. I researched and learned this is called Re-Aging and is illegal. I have been working on achieving better credit and have had zero missed payments or accounts go to collections in several years and now this company has illegally changed my account with zero contact to me and has affected my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: VA

Complaint narrative:
ISSUE : HSBC Bank refuses to pay promotional offer to Retired Military member because of military payment schedule FACTS : ISSUE : HSBC Bank refuses to pay promotional offer to Retired Military member because of military payment schedule FACTS : - In XX/XX/2018, HSBC offered up to {$600.00} for opening a HSBC Advance checking account by depositing and maintaining at least {$5000.00} in an HSBC account and initiating a recurring ( on a monthly cycle. ) direct deposit to the Advance account. The promotional payments would by calculated as 2 per cent of the direct deposit per month with a maximum of {$50.00} per month for 12 months. 
- In XX/XX/2018, I took advantage of the above offer and directed the U.S. Defense Finance and Accounting Service ( DFAS ) to redirect my monthly XXXX XXXX payments to the HSBC account. 
- No promotional payment was made for XX/XX/XXXX, XX/XX/XXXX, or XX/XX/XXXX. The explanation was that no direct deposit was made that month. Further, I was charged {$25.00} maintenance fees ( since reversed ) for two of those months. 
- DFAS frequently makes monthly Military Retiree payments a day or two before the first of the month resulting in some months with two payments and correspondingly, some with none. 

ACTIONS TAKEN : - Summer and ongoing. Ive tried working with XXXX, Va branch. They could reverse the maintenance fees, but could not fix the payment issue. 
- I wrote the President and CEO of HSBC, NA on XX/XX/XXXX laying out the issue with no response until I again asked the local branch to prompt action. 
- On XX/XX/XXXX, I received a generic acknowledgement of my concerns from the HSBC Manager of Customer Relations in XXXX, NY. 
- After immediately thanking them, I asked for a status report on XX/XX/XXXX, nothing heard as of XX/XX/XXXX. 
- I again asked ( via email ) the manager of the XXXX branch on XX/XX/XXXX for a status report, again nothing heard. 
- On XX/XX/XXXX, I called the Customer Relations Manager in XXXX and left a message. Nothing heard since.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I was a partner with XXXX XXXX XXXX in XXXX, IL from XX/XX/XXXX to XX/XX/XXXX. In my buyout agreement I was released from all financial obligations. I have had other financial institutions contact me about other XXXX XXXX XXXX loans but they released me immediately when I provided them a copy of my buyout agreement. Chase Bank is still trying to hold me liable for two loans, one ending in XX/XX/XXXX and one ending in XX/XX/XXXX. The total amount is {$340000.00}. Please see my attached buyout agreement and late payment notifications. I would like Chase to provide documentation of my release and an assurance that this will not affect my credit score. 

Please feel free to contact me with any questions. 

Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: AMERICAN EXPRESS COMPANY
State: TN

Complaint narrative:
My Bluebird American Express account has been hacked and {$450.00} was stolen from me in an unauthorized money transfer. 
On XX/XX/18 at XXXX I received my paycheck via direct deposit on my Bluebrd American Express card. 
At XXXX XXXX XXXX requested {$450.00} from me. The email stated that I log into my Bluebird account to respond to this request. 
At XXXX ( less than a minute later ) a second email came, confirming that I sent {$450.00} to XXXX XXXX abd that the funds have been deducted from my account. 
I work for the XXXX XXXX XXXX at the XXXX XXXX XXXX XXXX. At the time of the deposit and subsequent transactions, I was with a client in my office and knew nothing of the deposit or transfer, until my money was already gone. 
I immediately called Bluebird, to file a fraud charge. At XXXX after getting off the phone with the representative and updating my password and ordering a new card, I received an email, confirming the changes. 
On XX/XX/18 my dispute was denied. Stating no error occured and the transaction in question was authorized. Therefore my account is not eligible for the {$450.00} to be credited back to my account. 
I then immediately on receipt of that email, again called Bluebird American Express and filed another fraud dispute AND then went to the XXXX County TN Sheriff 's Department and filed a police report. 
I want to state for the record, that I DO NOT know XXXX XXXX AND that I did not authorize this transaction. The {$450.00} was my entire paycheck and it was my mortgage payment. 
On XX/XX/18 at XXXX, my dispute was again denied with the same reply, that no error occured and that the trasaction was authorized. I called Bluebird American Express to question this decision, telling them that my account had been hacked and the investigations team, should have been able to access IP addresses from MY Bluebird online  activity and the money transfer request and approval and verify that it was NOT my IP address that approved the transaction. 
Then on XX/XX/18 at XXXX my account was suspended, stating that due to a violation my account has been locked and my account privileges have been suspended. 
I have enclosed ALL emails received from Bluebird American Express along with the police report from the XXXX County Sheriff 's Department. 
Having {$450.00} stolen from me, has not only put me behind in my bills, it has caused me tremendous stress and undue emotional pain & suffering. 
Thank you for any and all help in this matter.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-11-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: TOYOTA MOTOR CREDIT CORPORATION
State: TX

Complaint narrative:
I purchased a car because my XXXX XXXX engine blew up and the man who helped me finance the car wanted to be off the loan. I had finally got my credit score up since I am a survivor of XXXX and XXXX XXXX and was unable to finance previously. I let the dealership understand my position regarding this. It was very important to me to rebuild my credit and to make payments on time. 

The Dealership told me the wrong information regarding when payments were due. I have gone to Toyota Finacial and they said they can do nothing that I will have to go to the dealership and work it out with them. I have gone to XXXX of XXXX, TX and tried to get assistance regarding this issue. Prior to payments being made I went to the dealership to find out when they were due. Nothing was given to me other than a .com for Toyota Financial. Nothing more, no papers of when payment was due and where to make the payments. I have called the dealership repeatedly and left messages for the director of Finance to please contact me back and fix this. I have gone to the dealership where I waited for 1.5 hours to speak to someone only to be sent home. This problem is not getting fixed.

Tomorrow I plan on going to the dealership to please get assistance to fix this problem. Because of their error it has affected my credit score dropping 122 points. I AM A SURVIVOR OF XXXX AND XXXX XXXX I am trying to rebuild my life and my credit this has not helped. 

The reason why I agreed to this loan was because after 6 payments on time I would be able to go back to the dealership and my payments would go from {$350.00} to {$150.00} and the most of that payment will go to paying off the car.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
On XX/XX/18, My wife and I went to the Best Buy Mobile store in XXXX, FL to change our cell phone service from XXXX XXXX XXXX to XXXX XXXX. At that time, we agreed with the terms to buy one XXXX XXXX and get the second one free. However, we couldn't finalize our contract due to a compudter problem. We were asked by the Best Buy employees to return the next day to complete our contract. When entering the Best Buy Mobile store on XX/XX/18, we were told that both of our new XXXX XXXX 's would be free due to the computer problem from the previous day. We were also told the the store would have to eat the cost ( {$690.00} plus tax ). Of course we agreed to the new terms. For 8 months from XX/XX/18, XXXX XXXX did not bill us for phones. In fact, they gave us a discount for bringing our new XXXX to the new XXXX XXXX Plan. Then on XX/XX/18, we added our daughter to our XXXX account. The phone she added was an XXXX XXXX, and was fully paid for. As a result, XXXX determined that we were not being charged for our XXXX XXXX 's, and backed billed us {$480.00} in XXXX. Before this, we were paying {$60.00} or less for our two lines. I was a bit upset that we were to pay for phones that we were told were free by Best Buy. I called XXXX XXXX several times about this, and finally talked to XXXX corporate ( Mr. XXXX, phone # XXXX ). He told me that XXXX needed reimbursed, and since Best Buy Mobile made the mistake, that they needed to give us a credit, or that they needed to pay XXXX. Then I contracted Best Buy at XXXX about what happened. Best Buy started a file ( XXXX # XXXX ), and referred me to there supervisor XXXX XXXX. For 2 1/2 weeks we emailed numerous times. Thru our emails, she told me that Best Buy Mobile mis-coded our phones as being unlocked. It is now my understanding, that after 8 months of not paying for our phones, that we are to pay 100 % for there mistake. I don't think this is not good business practice, and is why we're asking for help. We previous submitted this same complaint to the Federal Trade Commision, but they recomemded to send our complaint to you. We told Best Buy that honest mistakes do happen, and would be willing to pay something. It seems to me, if a codeing error was made, that it would have been a simple fix. Best Buy Mobile employee are experts when it come to mobile phone, why would they just say there was a computer error, and say our phone were free. If you need any additional information, I'm available. XXXX XXXX, XXXX XXXX XXXX, XXXX, PA XXXX, phone # 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 2018-11-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Claim # XXXX Amount : {$2700.00} On XX/XX/2018 I noticed activity on my account that I did not authorize. I contacted Bank of America immediately and reported all of the charges that I did not make and verified charges that I did make. I informed the fraud specialist I spoke with that I live in XXXX XXXX, Florida and did not visit XXXX XXXX XXXX and I dont know how or why there are numerous charges occurring in XXXX XXXX XXXX which I didnt authorize. The claims specialist started a claim in the amount of {$2700.00} with claim number of XXXX. I was advised that I would need to wait ten business days for an answer to my claim. On XX/XX/2018 I was advised that my claim has been denied. I called in and spoke to a claims supervisor by the name of XXXX who escalated my claim after she found discrepancies relating to research the analyst used to deny my claim. I was advised my claim is still open, but bank of America hasnt provided any temporary credit, nor documentation as to the current status of my claim. 

I personally reached out without Bank of America 's help to the numerous merchants where my card was fraudulently used and ascertained as much information as I could. I also reached out the XXXX and XXXX precincts of the NYPD in-regards to the fraud and was told by a detective XXXX that Bank of America will have to pursue it. 

The reason I am filing a claim with the CFPB is that Bank of America did not adhere to the ten-day investigation guidelines. My claim is still open and yet my account hasnt been temporarily credited and no other information has been given. I want my claim to be investigated and the Federal guidelines followed.

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 2018-11-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Waypoint Resource Group, LLC
State: NY

Complaint narrative:
In 2014, I was the victim of identity theft. A fraudulent XXXX account was created in my name. A debt incurred unbeknownst to me and was forwarded to WAYPOINT RESOURCE GROUP XXXX XXXX XXXX XXXX XXXX TX XXXX. 

I received the collection notice and filed a police report on XX/XX/2014. I notified the collections agency and XXXX and XXXX. 

Each year since then WAYPOINT has placed a derogatory mark on my credit report. Each year I contact XXXX and XXXX and XXXX to file a dispute and the identity theft paperwork. XXXX immediately canceled the debt. 
Im 2014, I contacted WAYPOINT to confirm that XXXX had deleted the debt. Yet, each year this appears on my credit report. I dispute the report again. Each year WAYPOINT ignores this dispute. Each year WAYPOINT notifies credit reporting agencies without any communication or request for payment from me. 

Attempts to call WAYPOINT have been futile. Attempts to serve emails have been futile. I have received no communication from the company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation