vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-08-15 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
My mom took out a refinance auto loan with Santander Bank to lower her payments. She passed away on XX/XX/XXXX I 've been making payments to them for XXXX years. I fell behind and all I owe is a balance of XXXX. They came and took the car and I spoke to her about getting it back. She asked me if I had the past due amount I said yes. She then went on to say that she could release the car to me cause she has the authority to release it to anyone she wishes to. But she had to speak to someone and get back with me. I then said ok so when she call me back she asked it I had a death certificate I said yes and then she asked if my mom had a power of attorney I said no. Then she asked if I had gotten a executive of estate I said no cause I did n't know I had to have one. She then proceed on to say that she could n't give me the car back and asked if I had received the letter she sent out withall the extra money iI would need to have in order to get the car back. I said yes she said it 's going to take me XXXX days to get the executive of estate by the date she gave me which was XXXX XXXX, XXXX XXXX in which the car will be auctioned off. I then asked to retrieve my b belongings from the car in which I drove XXXX hour to get and I did n't have the death certificate so she said no. I then came home and called the attorney general office in which she refused to speak with the person who called. So the person told me to speak with XXXX to get a lawyer which I did. And she also told me to make a complaint against them. I have come up with the monies for this vehicle which is book value of over {$6400.00} dollars. I do n't understand why she is being so mean and rude about this situation when I clearly paid for a lot of this vehicle. I 'm going to attach the letter she sent me and. Where she comes up with the amount of the storage fee and days. Also look at what she states about having the monies by XX/XX/XXXX or its going to be auctioned off. Please help with this cause this is the only thing I have left of my mom 's.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-25 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: General Motors Financial Company, Inc.
State: NH

Complaint narrative:
GM Financial 's invoice contains misleading and untrue information regarding 24/7 access to their online services. The statement reads : " Managing your GM Financial lease account just got easier ] You now have 24/7 account and payment access. Visit GMFINANCIAL.com and register for myaccount.com ''. 
Upon trying to login on a Friday night I was redirected to a site that showed the " hours '' for their online service and when it was available. This is NOT 24/7 access as claimed.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-28 00:00:00
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: HOME FINANCING CENTER
State: FL

Complaint narrative:
I was in communication with Home Financing Center, Inc. loan servicer for XXXX XXXX XXXX XXXX XXXX regarding a refinance on an existing mortgage I have with XXXX XXXX XXXX. While maintaining communication with XXXX I strongly emphasized not to get my credit pulled until I have the facts and clean numbers on paper and then finally to review. XXXX sent me numerous estimates and finally a final draft. The final draft had so many errors I was stunned and concerned. I immediately contacted him but he was unavailable at times. When I finally got through to him I mentioned all the errors and since I was already disappointed and not trusting this institution I requested to have my request for a refinance terminated. So long story short I never authorized or gave my social security to XXXX. I immediately addressed this to him and his superiors, however everyone ignored me and nothing ever got done. I filed a report through the XXXX and they responded to me " company refused to answer ''. Then I filed a complaint via XXXX, XXXX company they use to pull credit records and opened a claim advising that my credit was pulled without my authorization. On XX/XX/2016 XXXX sent me a letter stating that XXXX XXXX XXXX got verbal authorization from me to have my credit pulled. This is completely false and not true. Now I have decided to report this unethical matter further to assist me in finally getting the unauthorized inquiry removed from my credit reports and finally put closure to this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-09 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Problems when you are unable to pay — 
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: CO

Complaint narrative:
My husband is constantly getting phone calls from his cell phone and his work phone from these people trying to contact us about our car payment. We know we are behind but we are doing the best we can to catch up

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-12 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Reverse Mortgage Solutions, Inc.
State: CA

Complaint narrative:
My father 's house had a reverse mortgage, serviced at the time of his death by Reverse Mortgage Solutions , Inc. RMS contacted me by telephone eight ( 8 ) days after my father 's death to request a copy of his death certificate. Once the XXXX had prepared the Death Certificate, I scanned it and sent it to RMS via e-mail. In the body of that e-mail I indicated my intention to pay off the mortgage through the proceeds of the sale of the house. I sent RMS a copy of the listing agreement with a local real estate firm for the sale of my father 's house five ( 5 ) months after his death. RMS acknowledged receipt of the listing agreement via e-mail. Less than six ( 6 ) months after my father 's death, RMS filed a Notice of Default with XXXX XXXX, starting the foreclosure process. I now face the possibility of RMS taking possession of my father 's house in two months, without having the opportunity to satisfy the mortgage through the sale of the property.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2015-05-20 00:00:00
Product: Other financial service — Debt settlement
Issue: Customer service/Customer relations — 
Company: DFC Global Corp.
State: CA

Complaint narrative:
I 've been receiving calls from a payday loan company after I 've asked them to cease and desist. They call me with different numbers from all over the country all times of the day with automated messages. I 've tried to work something out but they insist on using this method of collections and leaving voicemails.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-05 00:00:00
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I received a credit card with a {$10000.00} line of credit from Santander Bank. I did not apply or ask for this card, and have no financial relationship with Santander. I have now spoken to three people at this company, and thus far no one has been able to tell me they have closed this card. They have personal information about me that I did not provide to them, like my social security number, date of birth, and address. I want them to 1 ) tell me how this card request was made and how they received all my personal information, and 2 ) assure me that this account has been closed.

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 2015-08-05 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: RI

Complaint narrative:
previous complaint XXXXXXXXplease see supporting documents proving that my lease was not only paid on time, but early every month. the NMAC " XXXX '' system failed.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-04 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated an attorney or official
Company: Lionstone Holdings Group
State: TX

Complaint narrative:
They have been calling me stating that they are going to be serving me with papers. I tried to contact them back and was basically told that I needed to pay {$1200.00} by debit or credit card over the phone. I asked for proof and was denied. They will not give you any information other than the company name, Lionstone Holdings Group and that it 's a " XXXX XXXX '' office. They say that it 's a legal office and it 's not. Their tactics are to scare and get people to pay something that they are not even contractually collecting on. They do not recite the FDCPA or follow any guidelines.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-14 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated committed crime not paying
Company: Financial Credit Service, Inc.
State: OH

Complaint narrative:
I received a message on my voice mail from Asset Recovery Associates, stating that I needed to call them right away about a " bad check and breach of contract filing '' against XXXX XXXX. XXXX XXXX is my ex-husband whom I have n't seen since 1997 ( except in Family Court ). I was given the case # XXXX, and the phone number of the " Plaintiff '' is XXXX. When I called the number, I was told that I was a " co-defendant '' with XXXX XXXX in this case which has already been filed in XXXX, IN and I should be served with a summons soon. I informed " XXXX '' that I have never set foot in XXXX, and that XXXX XXXX and I have been divorced for quite some time. She kept refusing to give me any further information and said I would just have to wait until I 'm served, and then she hung up on me. My husband also called, and he was hung up on as well. After calling the XXXX County, XXXX County Clerk 's office, I was told to do a search at mycase.in.gov and that if there was anything filed against me it would show up. I did that with both my name and my XXXX XXXX 's name, and nothing came up. In addition, one of my daughters told me that she received a phone call asking about contact information for me, but she did n't give them any. It 's possible that my other daughter did, but she and I have no contact. I 've only been married for a little over 2 years, and have only had my cell phone number for maybe a year. The company would not tell me how they received my name and phone number.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-27 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Trident Asset Management, L.L.C.
State: TX

Complaint narrative:
The collections account was placed on my credit report by Trident Asset Management and was not mine. I never requested items, service and never received items or service from the original debtor XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-11 00:00:00
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: Army and Air Force Exchange Service

Complaint narrative:
I have recently requested a copy of my credit statements that have been submitted to a collection agency and upon reviewing the documents, I found some outrageous amount of interests that have been charged under my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-06 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Army and Air Force Exchange Service
State: NC

Complaint narrative:
Hello below is the letter I sent the Military Star card. I was told I was 30-60 day late. I tried to make the payment and there was a glitch in the system making me late. I would not had been late on purpose as I am trying to apply for a mortgage my credit score has drop XXXX points since this incident. I was asking your assistance in removing the 30-60 day late. 

XXXX : acct # XXXX XXXXInbox xCredit Reporting DisputesXXXX XXXX ( 6 days ago ) Dear XXXX XXXX The Exchange is a non-appropriated fund instrumentality of th ... 

















XXXX XXXX & lt ; XXXXXXXXXXXX & gt ; XXXX XXXX ( 6 days ago ) to CreditGood Afternoon, I would like to thank you for checking on this matter. I am really heart broken that you all could n't assist me in this matter. I felt like I have been let down again by my country. I served this country with proud and dignity, I was injury while doing so. I was unable to work for months and was limited to income, but I tried to pay my bills with what money I had. I never intended to be late on my account therefore I paid as much as possible to keep this account from affecting my credit. I would like to state again I scheduled a payment online via your website to pay my bill for XX/XX/XXXX payment and it did not post. This one incident is causing me and my family to loose out on a dream I have been trying to achieve my entire life to purchased a home. There is know way I would wait until the last month and jeopardized my credit by not making a payment I was inform to make. 




If there is anyway you can help a XXXX Veteran the time is now for me. I am begging and pleading for your assistance. I am requesting if this email could be sent to the CEO of the company to review my case or if I can have a point of contact to reach He/or She. I ca n't give up on this that 's why I am reaching out to everyone. I have ask my Senator and Congressman I even email the White House to help assist me in this matter. I have a payment schedule for XX/XX/XXXX and I like I said previous I will never be late again. Please help me and my family. 




Yours Truly

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-11 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: UNITED SECURITY FINANCIAL
State: NC

Complaint narrative:
We asked the bank for net proceeds requirement. They told us an offer of {$25000.00} with net proceeds of $ XXXX. We received an offer of XXXX. They reviewed and at the last minute before the foreclosure postponed. They waited 3 weeks and then they countered back at a previous amount of XXXX reducing commission to 3 % split between XXXX agents. The national standard for a short sale is 6 % total commission. This has been going on for 2 1/2 years. They keep changing their requirements as soon as we have an offer that meets their demands. They are force placing a foreclosure on an XXXX servicemember and his veteran ex spouse.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-03 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Trident Asset Management, L.L.C.
State: TX

Complaint narrative:
I have previously notified the credit bureaus this is a result of fraud and sent the police report. I am very upset this is still on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-15 00:00:00
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Financial Credit Service, Inc.
State: FL

Complaint narrative:
They are calling and harassing myself as well as family members saying I committed check fraud on a payday loan. I have never taken a payday loan on line.Threatened me with arrest and then claimed that they will see me in court. The call comes from an unknown number. Messages left to call this company ARA XXXX XXXX XXXX. They spoke with my brother a woman named XXXX XXXX saying I committed check fraud. That is also the name left on my voice mail and my daughters stating I committed check fraud. I called the rep no name given refused to send proof said I would see it in court. Then transferred to legal dept supposedly but he answers as the office manager. Spoke with XXXX XXXX who called me a thief told me maybe I should close my mouth. Tried to get me to confirm my social and checking. Gave past personal information address and checking account number as well as an email address none of these in use for several years and tried to threaten my family with legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-12 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Flagstar Bank, N.A.
State: MO

Complaint narrative:
I am XXXX representing some client 's of mine and they are going through a short sale. The bank who holds the loan is Flagstar based out in Michigan. I met the owners in XXXX and have had all necessary paperwork prepared and submitted since XXXX and have heard nothing from the bank. I call in to a service rep about once a week and they give me same update. They say the processor who 's name is XXXX XXXX has n't gotten to it and there is no update. Everytime I speak with the short sale rep they say she will call me to provide an update but never has once. I have emailed her about 3 times as well. I put my complaint into the bank and of course received nothing back from them. My client 's fear is that the bank is just skipping the short sale step and going straight to a foreclosure. She does n't want them to show up one day and have all of her stuff be thrown out on the lawn. I have all the necessary documentation about my client 's situation and why she ca n't pay mortgage anymore. Please advise what we can do about this situation as we have had paperwork prepared for four months now and have n't heard one thing from the bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-18 00:00:00
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
On XXXX/XXXX/15 I made a settlement agreement in the amount of {$3300.00} with XXXX XXXX XXXX XXXX. I agreed to pay this debt once the settlement agreement was received in writing. I did not receive the settlement agreement until XXXX/XXXX/15 and on that same day i mailed a personal bank check in the amount of {$3300.00}. via certified XXXX mail. Later on in the afternoon of XXXX/XXXX/15, I went to the ATM to withdraw money and it was then i learned that XXXX and XXXX XXXX had placed a levy on my bank account and despite our settlement agreement 3 days prior. I also learned that after my account was levied they illegally withdraw {$1300.00} from my bank account knowing the settlement check in the amount of {$3300.00} was on route to them. Since this time, I have also received notice from my employer that XXXX and XXXX XXXX served them with garnishment papers. Prior to the settlement agreement, my debt with selip and stylianou LLP was {$4900.00}. If you add the {$1300.00} that they withdraw from my bank account + {$3300.00}. settlement check, the total that I paid out was {$4900.00} which is {$1300.00} more than the agreed upon settlement that I have in writing. I am requesting a refund of {$1300.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-18 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: Paypal Holdings, Inc
State: MN

Complaint narrative:
Paypal put a hold on my account and stated that my account was " linked '' to an account owing them money. I told them that account does not belong to me and remove the hold, they have not. They are also holding my money hostage.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-01 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: Flagstar Bank, N.A.
State: TX

Complaint narrative:
I have signed a GFE for 3.75 interest rate and now I 'm being told it 's 4.515. I have tried to contact the agent and his manager repeatedly with no success. I was told I would get a refund for the appraisal and termite inspection and that has n't happened yet and It 's been about a month.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-08-04 00:00:00
Product: Consumer Loan — Personal line of credit
Issue: Shopping for a line of credit — 
Company: Paypal Holdings, Inc
State: MD

Complaint narrative:
On Friday XXXX XXXX my husband and I ordered something on E-bay for {$9.00}. When we chose our credit card that we have in PayPal, which is a XXXX to pay for it, it came back and said it was denied because we needed to send updated credit card information. So we went back in to PayPal to update our credit card information, which we did, purchased the item for {$9.00} from the seller, got the confirmation from the seller that the credit card was approved and it was being shipped. We were unaware that during this process of updating our credit card we were pressing a PayPal Credit key that was authorizing PayPal Credit to give us a line of credit with PayPal Credit. When we checked our email we had not only the confirmation of the item we purchased form the seller, we had another email from PayPal Credit congratulating us that we had been approved for a {$4500.00} line of credit with PayPal Credit. To our shock and dismay we found the number, which is hard to find, called them to inquire about this and the customer service rep told us that we had authorized this line of credit when we checked the box authorizing it and entered the last four of XXXX social security number. PayPal told us that we authorized this line of credit by giving our social security number and checking the box. We never signed an agreement with them. We asked to have it disappear, like we never authorized it at all and they told us that we had to cancel it but it was still on our credit report. I questioned them saying how could it happen that quickly in two minutes and they said that 's the way they do it. I asked to speak with the customer service reps manager and she obliged, so I spoke to XXXX XXXX, I explained the situation. He told me again we had authorized it, we were not scammed, and that we could cancel it but it would still appear on our credit report. I told him that was fraudulent and I felt scammed. I told him I would be pursuing this with one of the government agencies when they opened on Monday. I have not cancelled the account because I was afraid to, that that might determine I was admitting guilt for something that I opened that I did n't open.

Company response to consumer: Closed with explanation