vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-03-01 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: CA

Complaint narrative:
I had a lease with Infiniti Financial Services for 36 months - always paid on time. At the end of the lease I extended it in order to make repairs to my car and was told I would receive a bill when I turned in the vehicle. I called their customer support a few times to verify this was correct since my auto-pay had stopped. 2 weeks ago I checked my credit score and saw it had dropped from XXXX to XXXX and there was a late payment notice on my account from Infiniti Financial Services. I called them and complained that they never sent me a bill or contacted me and they should immediately remove this incorrect report and also send me a bill. They said since the car was just turned in it would take 4-6 to receive a bill. I asked how come they reported me as late if the bill did not go out. They did not have an answer. I asked for proof that they sent a bill or that they were going to remove the incorrect reporting - they refused,

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-21 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem cancelling or closing account
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
They do not allow you to dispute with them. They are a crooked entity that ensures you are not successful in canceling your membership. The XXXX number posted on their main website is a fake number, it is no longer in service, which in turn permits them to continuously keep charging your account for their corrupt services. Something needs to be done about this. Apparently paying XXXX dollars in fines that was imposed on them with the XXXX law that was passed, had no affect on them whatsoever. How can you continuously keep letting them get away with this is mind boggling. They are messing with our credit and destroying Amercian families that built this free Democracy. Enough is enough. We will be picketing and getting on the world wide news with this so our voices are heard.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-22 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I sent a letter in to Experian, to have some things disputed on my credit. Mind you this is not the first one that I have sent. I received a response from them stating that they will not reinvestigate some of the information. I find multiple problems with this one being that I never got proper validation from them proving that the alleged debt is mine!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-07 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: NAVY FEDERAL CREDIT UNION
State: IL

Complaint narrative:
I applied for a NFCU credit card.. I was approved and fell behind on my payments. Well the agreement was XXXX per month, however they take funds out of your account without consent nor notification they do this at least three times a month even with the set rate agreement and the agreed upon date that it is supposed to be taken out.. When you call and complain they bully you into saying they can do that and that's their right! They need to be fined and stopped! IMMEDIATELY!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-27 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: ENCORE CAPITAL GROUP INC.
State: CO

Complaint narrative:
I agreed to a stipulation to pay the balance of the loan to Midland Credit XXXX and have done so since XX/XX/2016. I get a letter from MCM that i have not made a payment since XX/XX/XXXX/2016. Attached you will see the stipulation. Also you will see that I have been in touch with XXXX paralegal for MCM. He can tell you that I have kept up the payments at leaf till XXXX/2016. This company can not prove that the money owed is from me as far as receipts and now are trying to prove that I am not making payments. This is harassment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-20 00:00:00
Product: Debt collection — Payday loan
Issue: Communication tactics — Threatened to take legal action
Company: Platinum Holdings Group, LLC
State: NJ

Complaint narrative:
On Monday XX/XX/XXXX/17 I received a call at my employer by the name of a gentleman XXXX XXXX. I 've asked him please do not contact me at work and to call on my cellphone. Everyday since, either him or another employee have continued to contact me on my work phone and I continued to ask them to call my cell, the one woman who called me said you wo n't have to worry about the calls, because you will be sued and served in person at your job. I 've asked for any documentation in regards to this debt that I owe and they could n't provide me with anything. I informed them I have never received any documentation or any phone calls from them which I 've had the same cell # for 10 years. They have also called my Mother and told her everything about my account and that I will be sued if I do n't call them. They have left threatening messages on my cellphone and also my work phone. Telling me it would be in my best interest to contact them by the end of the day or they would continue to contact my employer. They called my job again today XX/XX/XXXX/17 and I informed them I wanted to deal with the company ( original debtor ) regarding this matter, I 've read bad reviews on this company and I 'm tired of them harassing me at work and I informed them I would pursue with a complaint. XXXX then yelled over me and said I was " Ignorant '' for believing what I 've read and I will be sued by him. I received an email from them stating they would " Settle '' however that 's not a settlement amount he told me that was the full amount due. I 'm tired of the calls at work and now on my cellphone threatening to sue me, when I have never received anything from them whether in the mail or on the phone until recent, and they claim they 've been contacting me. This XXXX is also acting as if he 's an attorney. I also thought it was mandatory as a debt collector to always say, " This is an attempt to collect a debt from a debt collector and any information obtained will be used for that purpose '' They have not once said that to me on the phone, but was in this bogus letter I received. I want this company to stop calling me at work and now on my cellphone and calling me names.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-20 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: ALLY FINANCIAL INC.
State: MD

Complaint narrative:
Hello, Im a XXXX veteran unemployable. My wife and I were able to purchase a brand new car from XXXX in XXXX Delaware. We received the car in XX/XX/2016.Approximately 2 months later we received the loan papers from Ally auto financial company. They were requesting 2 payments right away, and the third payment was coming up due shortly. The 2 payments would have been $ XXXX {$460.00} ( upcoming 3rd payment ) .To speed up this story, I have been in constant contact with them. This week XX/XX/XXXX, I spoke to my loan manager, XXXX . I advised her I will make a payment within 2days. On Saturday morning XX/XX/XXXX, at XXXX I spoke to a XXXX ( male ) and he transferred me to the payment line. I made payment and received a confirmation number. Before he transferred me I advised him, the same thing I told XXXX. I said after this payment, I would make a payment on XX/XX/XXXX. Approximately 2 1/2 hrs later, my car was being repossessed! I spoke to the tow truck operator and he obviously saw I was XXXX. I advised him I paid for the car earlier and I need to go back into my home and get the company on the phone and I would get the keys. Approximately 2 minutes later, I returned to the outside and my car was gone and you can see on the loose rock the car had been dragged! I did not find and business cards anywhere. I spoke to a female who answered the phone for Ally, she said she had no idea why this happened!? She tried Call XXXX the repo company. Unable to? I need help desperately. I respectfully request your help. FYI : I had constantly informed different call takers I am a XXXX veteran. I. Said I got the loan papers 2 months after the car was bought and I asked if the 2 months could be placed on the back end of our loan. I was told, I would have to have 6 months paid, before they could even consider the request.?? Therefore, Im 2 months behind. I believe the loan company is a bad practice business and they need to be dealt with. They are bullies. I understand I need to pay my bills, but how can I pay when the company is setting me up for failure!!!!!! On the other hand, the repo company acted in a bullish, destructive manner. I am a XXXX and proud to have done so, but I did not fight for bullies and loan companies who place consumers in a failure modeMy XXXX took pictures of the loose loose stone. Please help me. I need to have my XXXX drive me to my points in the car. Thank-you.

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 2017-02-24 00:00:00
Product: Consumer Loan — Title loan
Issue: Can't stop charges to bank account — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: PA

Complaint narrative:
I obtained a loan from Springleaf Financial 's ( now OneMain ) branch in XXXX, Pennsylvania. At the time the loan was made, I provided the lender with a routing number and checking account number from which to withdraw the monthly payment. 

I recently changed banks. Well before XX/XX/XXXX 's scheduled withdrawal, I logged into OneMain 's website and submitted a new routine number and account number corresponding to the new checking account. I have since logged back into the website to verify that the new account information ( XXXX ) is displayed as the payment account. 

Nevertheless, OneMain has made 2 attempts in XXXX to withdraw the payments from the old account at XXXX. XXXX refused to honor both drafts, and charged me {$35.00} for each dishonored draft. 

Calls to both the OneMain branch and web support center did not provide an explanation for the unauthorized drafts against the old account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: United Student Aid (USA) Funds
State: CA

Complaint narrative:
I 'm filing this complaint in regard to my student loan with Navient and the collection agency XXXX. This complaint, steam from having multiple agencies and collecting agencies demanding payment on this student loan. Now, you would think all these agencies would communicate with each other, but they are n't sharing the information of withholding my IRS return. I have found out from requesting a credit report, that this action has a negative reflection on my credit score. I have attempted to explain my situation, within reason to the XXXX credit bureau ; XXXX, XXXX formerly known as XXXX and XXXX XXXX. I have experience in contacting these organizations are very unreasonable and inhumanity. Yes, my student loan is in default from not having mean fully employment, in other words, I have regain employment from alone period of live changing events beyond my control. I ask of you, the Ombudsman Group to assist me with XXXX, ( XXXX ), in reaching some common ground within reason. I thank you all your assist and look forward to hearing from soon. XXXX has my file not Navient trace number : XXXX Acct Number : XXXX XXXX. At this time, XXXX is demanding payment and is threating me with garnishment of my salary. I have forward a request for delay. Once again, I truly thank you. 

Sincerely ; XXXX

Company response to consumer: Closed
Consumer complaint received 2017-03-22 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
The credit report shows some bogus number for the credit usage ( 285 % ) which is completely wrong. It even can not be possible for obvious reasons. The reason its wrong is because the " total credit '' number used in the calculation is wrong ( much lower than it should be ). For whatever reason Experian did n't include some of my credit card accounts ( with low or XXXX balance ) in that calculation. My current credit usage should be somewhere around 30 %. 
This error severely affects my credit score. I have called Experian to correct the error and they promised that that action will be taken within 48 hours and then nothing happened. I called again, once connected I requested the call to be escalated to the manager. After 20 min of being on hold my call got disconnected. I called again, went through the same ordeal of explaining the issue and being put on hold waiting for the call to be escalated. After 30 min on hold I was told to send a screenshot of the error ( as if they do n't have access to my account! ) and was told that they can not give me ANY time frame on resolving the issue.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-31 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: PA

Complaint narrative:
I always pay my auto loan online using my credit union 's online bill pay feature. For that reason, I never open the bill envelope from Nissan Motor Acceptance Corporation because I 've never paid by mail. NMAC I just found out has been charging me a {$22.00} late fee each month for years now because I paid past the XX/XX/XXXX of the month. This is wrong for many reasons. No mortgage company ( which essentially the NMAC is ) ever applies a late fee until at least two weeks into the month. To apply a late fee for paying past the 2nd day of the month is unheard of in the mortgage industry. For that reason, I am asking that they refund all of the late fees they charged me plus the interest that accrued on those fees. I have never missed a payment nor have I ever paid past the XX/XX/XXXX of the month ( perhaps only a couple of times ). So their late fees are simply outrageous and fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-06 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: MD

Complaint narrative:
I got behind due to forced insurance, my homeowners insurance was canceled and HSBC placed a policy on property.Another time they paid my tax bill and placed on loan, again this year they supposedly paid property taxes again although i paid them and notified of this.they said they would check into.I doubled my mortgage payment for a year, half was mortgage pmt, other half was to go to arrears as per agreement.they applied to principal.I was very sick this winter, XXXX. I was XXXX.My XXXX, but not as bad.XXXX.I have not been well at all, and have a XXXX.I have not made a payment in 3 months since the co, raised my pmt.from XXXX to XXXX a month.I am on a very limited income,XXXX a month and can not afford XXXX.per month.I want to keep my home and catch up, but can, t do it this way.I need a mortgage modification from HSBC to keep my home.i got a statement yesterday, ihave paid faithfully for 21 years.I was down to XXXX owed, now with not paying for 3 monthsi owe XXXX.Thats XXXX.Heck i only borrowed XXXX, must be some heavy penalty 's and interest.I need some one to explain this to me, how it works.I am warning everybody to stay away from them.When i first bought my home the mortgage was sold to champion who sold to HSBC, Last year pmts.to principal wasXXXX and interest pmts wasXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-21 00:00:00
Product: Credit card — 
Issue: Billing statement — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I have an argument with Bank Of America ( BOA ) on payment crediting date on their credit cards. 

The situation is very simple. I have an XXXX credit card with BOA. A transaction of {$32.00} was posted on XX/XX/2017. Around XXXX PST XX/XX/2017, I submitted a payment of {$32.00} on BOA online banking website. Coincidentally, the statement date for my XXXX credit card is XX/XX/XXXX. So I would expect the statement balance to be XXXX because the {$32.00} was submitted XXXX PST on that day. However, this is not the case after I see what BOA online banking shows today ( XX/XX/XXXX ). The statement balance is {$32.00}. So I called BOA about the problem. After I was transferred to the right person, he was trying to explain that credit card balance will not be updated until the payment is completely processed, which I agree. However, statement balance should be XXXX after the payment is submitted before the cutoff time. I do n't care how much time BOA is working with XXXX to get money electronically as a customer. So my call with BOA ended up being very unhappy for both sides. In my case, this is about statement balance and statement date. What if it is payment due date? Would I be assessed interests if yesterday were the payment due date and I made payment that day XXXX PST? This is not fair for statement balance because that is what interests are calculated from. 

Currently I am holding around XXXX credit cards with different issuers, including XXXX, XXXX, XXXX and XXXX. All these issuers will take the last day payment into account for calculating statement balance even if I make a payment on Saturday, as long as the payment submission time is before the payment cutoff time. I do believe that BOA 's behavior is kind of predatory on customers because it accounts for additional time over which customers have no control. 

I would kindly ask BOA to correct the statement balance to XXXX and report an update of statement balance to all the credit bureaus.Otherwise I would prefer to end the credit card relationships with BOA for its predatory behaviors.

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 2017-02-24 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: MST Financial Services, L.L.C.
State: WA

Complaint narrative:
I had health insurance, on XX/XX/XXXX of 2015 XXXX XXXX billed me for no insurance I called back giving them my information, they called me back 5 minutes later stating I did n't have health insurance. I told them I will call you back I should have health insurance so when I called XXXX XXXX back they never would answer I called multiple times leaving messages with no response, I received a call from XXXX about it being in collections I told them I had health insurance and that XXXX XXXX neglected to call me back with any updates. I sent them the information from the XXXX State Health Authority, my debt was removed from XXXX but not from XXXX. Only to find today my debt in collections is not double the amount and showing on both credit reports. I need help I 'm fed up with the games both XXXX and XXXX are playing. I do not owe either a single penny I am on a state funded healthcare program due to low household income my health insurance is free

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-02 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: Caliber Home Loans, Inc.
State: TX

Complaint narrative:
After being contacted by Caliber Home Loans in XX/XX/XXXX & XX/XX/XXXX regarding refinancing our existing Caliber 30-year loan, we started the refi process XX/XX/XXXX. We were quoted a 15-year loan, 2.75 %, 0 points, 0 out-of-pocket closing costs. Application & requested docs were provided & {$500.00} was paid for an appraisal. Numerous closing disclosures have been received, none of which had the information we were quoted. A closing was scheduled for XX/XX/XXXX but on XX/XX/XXXX it was postponed by Caliber until the next week. At that point we learned that the property taxes, which were due in XX/XX/XXXX, had not been paid. Therefore, we will not be able to claim them on our XX/XX/XXXX Income Taxes. The closing has not been rescheduled, the 90-day rate lock has expired, and numerous attempts at contacting Caliber have yielded no results or information.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: OH

Complaint narrative:
I recently called to request a mortgage statement. I was notified that my account was flagged due to BK. Which is a bit incorrect. Filed Ch XXXX/Discharged in XX/XX/XXXX, Mtg not included. I was told I had to send them a written notice to get my statements turned back on. I know this is incorrect because we get monthly statements. Just not consistently. We are purchasing a new home and they needed this. I asked to be transferred to BK dept. I was on hold for over 10 minutes. The lady came back on the line and said, " I can not reach anyone they must be experiencing high call volume, what is it you need? '' I replied, I just need that monthly statement! '' I explained to her that my husband had called the previous night and they agreed to fax both months statements, but then I was told that she had submitted it for approval and it was denied. This makes no sense!! 
Then, I found out they reported that we filed a BK in XX/XX/XXXX, which is absolutely absurd. We have not spoken about, attempted, filed, etc. One and only time was XX/XX/XXXX. I call to ask for a letter to confirm house was not in BK so we can close on new home. They again said, " need a written statement ''. I replied, " Not that again '' Then asked to speak to a manager. Of course, after being on hold for 10 minutes. I hung up. What bothers me more is I can go online, see some of my account. Get payoff requests, see last 12 months payment history, but ca n't get a simple monthly statement? We have never been late, not prior or after BK EVER!

Company response to consumer: Closed with explanation