vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-08-20 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Taking out the loan or lease — 
Company: HYUNDAI CAPITAL AMERICA
State: NY

Complaint narrative:
I returned a leased XX/XX/XXXX XXXX XXXX XXXX automobile on XX/XX/XXXX. About a week later I received a letter from Hyundai MotorFinance for {$1800.00} in excess wear and tear. It seemed to me that every mark on the car was considered excess wear and tear. Therewere XXXX scratches on the car, for XXXX of them they want $ XXXXXXXXapiece, and XXXX for which they were charging me {$250.00} apiece. 
After receiving this latter and ultimately a bill for {$1800.00}, I askedto see the car so that I could evaluate the so called damage. Theydenied me access, saying that the car had already been sent to thewholesaler for resale. My question was, if the car had so quickly been sent on, how could Hyundai have incurred anywhere near $ XXXXXXXXto repair it? I suspect that the whole exercise was only to extract moremoney from me. As I am retired, this amount represents a realinconvenience for me to pay, and therefore I am asking you toconvince them to modify the amount to {$500.00} or less. 
This amount represents XXXX of the scratches that I realize wereexcessive, and for which I am willing to pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-03 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: AES/PHEAA
State: TX

Complaint narrative:
I requested payment relief, and it was granted to me. Terms were that I would pay {$50.00} per month for the next 3 months, and then resume regular monthly payments. I have paid the XXXX each month, but I have been recieving letters, multiple phone calls daily from a collection agency, and it has been reported on my credit report that I am past due on my payments. This is the second time this company has done this.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-11 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: SUNTRUST BANKS, INC.
State: SC

Complaint narrative:
SunTrust has continually been charging me bogus overdraft fees and they also charged me {$51.00} in account maintenance fees. I 'm tired of it. Occasionally I have to transfer money from my savings account to my checking account as my paycheck fluctuates. Despite the fact my account balance never goes negative, they now charge {$12.00} for the privilege of me transferring my own money. They have also recently revised their rules so that even if the money is in the account before close of business, they will still be able to charge the {$12.00} overdraft.

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 2015-07-21 00:00:00
Product: Debt collection — Auto
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: SUNTRUST BANKS, INC.
State: VA

Complaint narrative:
This loan collateral collection agency, has made multiple calls to my phone per hour, and has egregiously called members of my family, who bear no rights or responsibility to my private financial matters.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-12 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: APPLE RECOVERY, LLC
State: TX

Complaint narrative:
They called about a person I do not know and a loan that does not belong to me. The representative refused to listen to me and to remove my contact information.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: AES/PHEAA
State: MD

Complaint narrative:
Much like XXXX, it appears as if FedLoan Servicing systematically cheats student debtors by taking shortcuts to minimize its own costs. Upon information and belief, FedLoan Servicing unlawfully steers struggling borrowers facing long-term hardship into payment plans that temporarily postpone bills rather than helping them enroll in plans that cap payments relative to their earnings. The latter option promises debtors the possibility of debt forgiveness after years of steady payment. The former raises the possibility of a financial time-bomb.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: AES/PHEAA
State: NJ

Complaint narrative:
On XXXX separate occasions with fedloan I was granted a retro forebearance however they have continued to report late payments to all XXXX credit companies which is destroying my credit and making it impossible for me to gain access to lines of credit and housing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-18 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: SUNTRUST BANKS, INC.
State: FL

Complaint narrative:
We deposited a check into our business account. The check was rejected due to an internal issue with the issuing bank. That issue was explained to the receiving bank, Suntrust Bank. The funds were also released by the issuing bank to the receiving bank, Suntrust Bank. They refuse to release the funds and no one seems to know why. The rep that closed the deal the funds came from was not paid and has been evicted from her apartment. Suntrust bank continues to give us the run around and we 've done everything to verify the validity of the transaction. The issuing bank has also verified the validity of the transaction, yet our funds are still being held by Suntrust Bank.

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 2016-06-21 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: BANKUNITED, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I keep getting calls from blocked/restricted numbers for which I send to voicemail. They leave a message saying call BankUnited at XXXX. They leave no name, no department, and no information what it is regarding. When I call the number, they immediately want my name, social security number, loan number, date of birth, property address. This is an extremely wreck less practice in 2016. There is no way to verify that this number belongs to BankUnited. The number does not appear on any website. There is no way to verify is this is a scam, yet they want my personal information. I instructed them not to call me anymore for which I continue to receive phone calls. I did verify by calling the main number that it was their Modifications department but they refuse to give me any information. It 's very irresponsible for BankUnited to be conducting business this way on the phone and soliciting people personal information for verification when there is no way for the person calling in to verify that it is legitimately BankUnited.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-22 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Performant Financial Corporation
State: MD

Complaint narrative:
Debt collector, Preformant Reco, telephone number XXXX has made repeated calls to my place of business. These calls continue after multiple requests to XXXX & XXXX. Company persists in calling and has been told that the employee they are attempted to contact is no longer with the company.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-28 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Overton, Russell, Doerr and Donovan, LLP
State: NY

Complaint narrative:
I have recently gone through a XXXX XXXX that was and still is a XXXX problem. I have limited health insurance. I have recently discovered that a local law firm that operates as a debt collector has posted multiple collections against me with every pertinent credit reporting agency. 
In 2015 a new directive was administered by the Consumer Financial Protection Bureau relating to the placement of medical collections. I have submitted a copy of this mandate where all XXXX credit bureaus have agreed to abide by the directive. At no time was I ever given notice by either the medical providers or by the collection agency/law firm that I would be posted with negative collections on credit. The directive calls for the following : A XXXX notice statement to pay the invoice directly or have medical insurance make the necessary arrangements for payment. 

A notice if such an invoice is not resolved that a negative posting on credit can happen after 180 days from notice. 

This is a federal mandate whereas I believe the firm of Overton Russell will want to avoid sanctions by this very powerful federal agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-31 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Fay Servicing, LLC
State: VA

Complaint narrative:
My Mortgage went from {$560.00} to {$700.00}. I was told that it was increased because they escrowed my delinquent taxes. I did not have any delinquent taxes. I was told if I sent a copy of my paid taxes they would refund my money. They only paid the amount due, {$320.00}. I asked if I could simply refund them, which I have. However, I have sent XXXX faxes with a copy of my taxes and asked them to stop the escrow as they said they were escrowing the amounts for next year as well which is why the fee was so high. Plus interest. I have been trying to get in touch with an account manager, who is never in. I leave voice mail messages which are never returned. The first account manager at least talked to me, even if he was lying. But I have had XXXX different managers in the last 6 months and this XXXX is the worst as he never returns my calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-24 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: GMFS, LLC
State: LA

Complaint narrative:
My husband got a VA loan with GMFS Lending. My husband is self employed and had a big decline in his income. We contacted GMFS immediately and they sent us a packet to be completed and sent back with documents that they requested. We did exactly what we were told. Within 30 days we received a letter stating that we were missing documents that we had proof was faxed. So we resend the missing documents and called to see if they have received them. We were told that it takes 2 days for the information to be uploaded into the system. When we would call back in 2 days were told that all documents were received and was headed to the underwriter putting foreclosure on hold. Later we received a letter denial stating that my husband did not have enough money to afford the home. Evidently we did not fill out the packet correctly so we had to start the process all over again. We have been play this game since XX/XX/XXXX and finally we were served foreclosure papers and a sale date of XX/XX/XXXX We were shocked because we were under the impression that our paper work was under review. On XX/XX/XXXX I called GMFS and spoke to XXXX ID # XXXX to inquire about what was going on. At that time XXXX informed us that he did not see a sale date or any papers for foreclosure. but he will send an email to loss mitigation inquiring about our modification. When we did not hear anything from GMFS we called again. Again we were told that they did not see a sale date. I explained to them that I was holding the papers in my hands, we were served. We were told to disregard that because their computer does not show that any papers were served or a sale date. We have been calling GMFS every 2 days or so to check the status and was told that our paperwork was received but they did not know why it has not been sent to the underwriter. We were told to call back in 2 days. We called back and was told the same thing and that they were going to escalate to management. We called back in 2 more days and was told the same thing. Today is XX/XX/XXXX my husband called GMFS and was told that the paper work was not sent to the underwriter and did not know why but they were going to escalate it to another manager to call back in 2 days. We have been playing this game too long. We are not looking to live here for free we want this resolved so we can sleep at night.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-06 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Seized/Attempted to seize property
Company: Credit Card Receivables Fund Incorporated
State: TN

Complaint narrative:
This is debt that I have never owned. I was and have been a person with identity theft. This debt collector has placed a public record on my credit report and has placed a lein on my property located at XXXX XXXX XXXX XXXX. Public Record Details Reference Number XXXX Court -- Date -- Status -- Amount {$4000.00} Classification -- Type legalitems

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-24 00:00:00
Product: Debt collection — Payday loan
Issue: Communication tactics — Threatened to take legal action
Company: Green Square Company LLC.
State: TX

Complaint narrative:
I received a call from XXXX indicating that he was from an investigation dept for company PRG needing me to call them within XXXX hours if not a judgment will be fine against me since they worked for an attorney 's office and that they would contact my employer to garnish my wages. He later indicated to call back at XXXX with case # XXXX. I have never received any noticed in the mail about it. I call them back but what they wanted is for me to pay by phone an did n't offer to send me a letter XXXX with the instructions on how the payments were going to take place. They have also called my brother indicating that there is a judgment out on me already. 
I called XXXX directly and they told me that they sold my debit to XXXX XXXX.

Company response to consumer: Closed
Consumer complaint received 2016-07-28 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: FIRST ADVANTAGE CORPORATION
State: TN

Complaint narrative:
After disputing my criminal background history with the background investigation company they still report inaccurate negative information to perspective employers. The company failed to verify that the information matches completely with all my personal information given. They also failed to acknowledge ( FCRA 605 ( b ) ( 3 ) ; in which the length of time to report negative information, which is supposed to be a length of 7 years for negative information and unless the position applied for also will make over the amount of {$75000.00} per year, per FCRA laws and regulations. The company also investigated beyond the 7 years I agreed to within the credit reporting application and reported information beyond the scope of my signed authorization to investigate with the annual income limit. The investigation company also failed to comply with FTC laws and regulations with the reporting of the information to verify that the factors of the crime is " disparate impact '' and " not job related and consistent with business necessity '' before making a decision or informing the perspective employer.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-19 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Esser, James & Associates
State: OR

Complaint narrative:
A company called Esser James & Associates LLC which is not even licensed to collect debt in my state keeps calling and has left voicemail demanding I call back to record a statement of intent or they will begin litigation ( I believe its illegal under federal law to threaten like this? ) Anyways I have called them and told them they are not licensed in my state and continue to call and threaten. The debt here a majority is a result of identity theft and I have not paid on the balance since the company will not correct it.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-29 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Community Health Investment Company, LLC.
State: TN

Complaint narrative:
XXXX XXXX, ownership entity of XXXX XXXX XXXX XXXX, on multiple occasions has used deceptive practices in billing and collection efforts. 
Stated a maximum out of pocket of {$1300.00} then billed over {$9000.00} When asked for an itemized bill, it was refused. Later bill simply had total and " miscellaneous charges '' The hospital was informed of the customer 's desire to dispute charges and then customer was immediately turned over to collections. 
Hospital sent delinquent notice of bill addressed to someone other than the customer thereby indicating to someone not on the account or responsible for payment, that the customer ( patient ) was delinquent. 
Hospital 's third party collector PASI called customer and pretended to be the billing department of the hospital without correctly identifying who they were or the intention of the call.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-18 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: AMERICAN HONDA FINANCE CORP
State: CA

Complaint narrative:
I cosigned for a loan in which I am responsible for all money required to fulfill the contract. The signer defaulted on loan. Loan company sent a notice of plan to sell property-private.it included a reinstatement or redemption letter.The signer has no means to redeem or reinstate the loan. I decided to redeem the vehicle.They had imposed XXXX requirements to redeem vehicle, I complied. They had sent a release to the repossession company and I retrieved vehicle. I had requested they send lien release and title to my address.Not to the default y signer, they agreed to this. They took my address and said they will overnight the paperwork .This did not happen After a day or so had passed I called and requested to be sent same and again they promised overnight delivery. This did not happen. I called again and spoke to a person who had told me she will not send these documents to me because she believes that the default y signer had more money involved and deserved the vehicle. I have taken this up with all thew law enforcement agencies at hand to no eval this includes the ca. dmv. The default signer came to my home and took the vehicle. The ca dmv has started paperwork for transfer of owner to me but I can not complete without the lien release form. I sent a demand letter for the same but they have not responded.They have faxed/facsimile to me knowing the Ca DMV does not except facsimile copies. A XXXX XXXX had told me to sign up for and aquire a XXXX Account and send the account number info to her and she will overnight the lien release, They again deceived me, which from the beginning they have deceived me at every point.I attached my fax page to this account of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-24 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: Northstar Location Services, LLC
State: TX

Complaint narrative:
This debt is over 4 years old which is the statue of limitations in Texas. Loan least been charged off by XXXX bank but a 3rd party has started calling my cell phone and my son 's cell phone leaving threatening messages. I want them to cease contacting XXXX numbers.

Company response to consumer: Closed
Consumer complaint received 2015-04-10 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Specialized Loan Servicing Holdings LLC
State: FL

Complaint narrative:
SLS had the locks changed on a property while a short sale is being negotiated. I was told by XXXX at SLS on Friday XXXX/XXXX/15 I would be called in 2 days to meet at the property and they would give me a key. As of today, XXXX/XXXX/15, I have not received a call from anyone. Foreclosure sale date is XXXX/XXXX/15 and SLS 's actions are preventing the short sale from getting completed.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-22 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: FIRST AMERICAN FINANCIAL CORPORATION
State: NV

Complaint narrative:
I paid off a mortgage with XXXX in XXXX. Now when trying to clear the title on this property during it 's sale I am told there is default on the property. My county recorders office tells me the property shows it was paid off but the wrong instrument number was attached to this. 
XXXX bought all XXXX in XXXX, however since mine was paid off in XXXX it was not transferred to XXXX. The mortgage is now in the hands of BNY Mellon. For weeks XXXX XXXX XXXX XXXX has been trying to clear this title. The contact in BNY Mellon is XXXX XXXX XXXX. I have been contacting XXXX XXXX XXXX at BNY Mellon through email and numerous voicemail. I even went to XXXX with documentation of the payoff for this mortgage. I have received no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-26 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: United Student Aid (USA) Funds
State: LA

Complaint narrative:
This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! 

I asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company! 

THIS IS NOT MY DEBT! 

I WANT THIS ACCOUNT REMOVED FROM MY CREDIT REPORT AND THIS COMPANY TO STOP CONTACTING ME IMMEDIATELY!

Company response to consumer: Closed with explanation