vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-04-02 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc.
State: PA

Complaint narrative:
We had posted our complaint letter dated XX/XX/2017 to you through US first class mail on XX/XX/2017. Since we have not received so far we would like to know whether you had received our complaint, if not we will send all the documents again. At present we are attaching the complaint letter dated XX/XX/2017.

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: Santander Consumer USA Holdings Inc.
State: FL

Complaint narrative:
I have 30-day late marks on my credit report for XX/XX/XXXX and XX/XX/XXXX. I reviewed my payment history with Santander and noticed that I made payments in both XX/XX/XXXX and XX/XX/XXXX. I called to get this corrected and they stated, " We do not do that. '' In addition, my account balance has only decreased by under {$100.00} since I got the loan back in XX/XX/XXXX. Santander could not give any detailed information as to why.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-30 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Sharinn & Lipshie, P.C.
State: NY

Complaint narrative:
I received a letter form Sharinn & Lipshie, P.C XXXX XXXX XXXX XXXX. XXXX XXXX. XXXX, NY XXXX XXXX..stating that i owe a debt from 2009. I advised the the representative that this is a fraud debt. I have never owed this money nor have i made these charges. The representative hung up and the next day they froze my bank account. When i asked for the XXXX paper work to show that they had the right to freeze my account. They advised me that they do n't need to send me any paper work. I notified them that this is all fraud and they state that they do not care, They will continue to freeze my account. I filed a fraud Affidavit and sent it to them as well.I need my bank account release and my name remove from this debt. I am not responsible for this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-04 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: SLM CORPORATION
State: NY

Complaint narrative:
Upromise, a service run by XXXX, promises cash back when you use certain services via links from their website. The cash back you earn from spending on upromise partner websites is transferred into your children 's XXXX college savings accounts. Overall it is a great service but last year I had a trip planned to New York and would be spending roughly a month in a XXXX. Upromise offered 5 % cash back if you booked from their site. I did book directly from Upromise 's website and stayed at the XXXX. Upromise has not honored my stay. I have provided receipts and I did book carefully from their website yet upromise has denied me the cash back which is roughly {$400.00}. This is a significant amount for my children 's education account. I am upset and feel that upromise has misrepresented their services. Can you please help me? I feel like I have rights here but I need help to fight XXXX. Thank you, XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-30 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: Exeter Finance, LLC.
State: NV

Complaint narrative:
I have for momths been having issues with exeter finance company. 9 out of 10 times i am greeted with rude csr 's. I have a set prompt of validation questions on my account and have spoken with several supervisors about this and still everytime i call in theres a problem. The representatives are rude and bring me to thw point of just wanting to surrender the car. This company has partneredwith a corrupt dealership to get us ina car we did not want in the beginning and now have been locked in an interests rate that is more than double paying for the car or as if i were buying to brand new cars. They have offered no refinance options and at this point i am in the process of getting a lawyer to mediate the outrageous, unethical amd potentially illegal terms of this contract. I have called on several times to tey to reaolve matters with this company. This car and interests rate is so hi im going to soon just drive it back to the dealership and leave it there. Crooked finanace company with a crooked XXXX XXXX and XXXX. I tols them after i gad the car the first couple pf days i didnt want it but was told i was stuck with it. Horrible service high interests im just over this scandalous company.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-08 00:00:00
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: GENERAL BUSINESS RECOVERIES, INC.
State: AZ

Complaint narrative:
I called the company and asked them to verify debt, I have sent emails and shown that debt is not owed, the company will not remove the debt and states that I was to difficult to talk too, I have asked for the proof that they own this debt and they continue to deny me of that, I have asked that they remove the debt with all XXXX credit reporting agencies and without assistance they tell me they will and do not, I have spent countless hours on the phone and emails and money to check to see If they have removed the debt and they have not.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-02 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: First Recovery Solutions, Inc.
State: PA

Complaint narrative:
First Recovery assoc keep calling with a different claim number every time they call with an XXXX number to call back they wont give me any information and ask to verify my last XXXX digits of my SS Its not me and I ca n't get them to stop calling

Company response to consumer: Untimely response
Consumer complaint received 2017-04-04 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BBVA FINANCIAL CORPORATION
State: CA

Complaint narrative:
BBVA Compass Bank has changed my monthly mortgage amount every since loan origination. They estimated my property taxes based off of a parital year payment. When My monthly mortgage went down, I called them up and asked if there had been some mistake. I was assured that there was no mistake and that this was the correct amount for my mortgage escrow. 1 year later I had a {$10000.00} dollar shortage. The bank then blamed me for the mistake and I have been paying off the shortage over a spread of 5 years. Every year I have to submit new documents or the mortgage amount will go up ( which I have done every year ). I recently changed insurance providers and my premium is half of what it was. The bank removed the shortage spread ( even though I have a current shortage spread submitted to them in XX/XX/2016 ) and debited the new amount from my bank account. And so with a reduction with my insurance premium they have INCREASED my monthly payment, removed my shortage spread ( that I was alread approved for ) and debited the money from my bank account.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-10 00:00:00
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: ROC Asset Solutions, LLC
State: CA

Complaint narrative:
There is a debt collector calling me and my children for something my ex-husband owes. The are constantly calling and trying to get information I do n't have nor would I share if I did. The are scaring my children stating the have warrants or his arrest. I asked them today to stop calling and the man told me he would now start calling all the family again. Their number is XXXX, we have saved all the messages, they are giving out personal information. They are looking for a XXXX XXXX, he is my children 's father and my ex, this needs to stop. They made fun of me today for saying that we are saving all the messages, the man said " oh like a collage, how cute ''. I do n't know how to stop them, I block them and they call from a different number.

Company response to consumer: Untimely response
Consumer complaint received 2017-04-06 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: GA

Complaint narrative:
I have a Mortgage with Nationstar Mortgage loan. I can not get the mortgage company to state why they are not posting the required principle payment in my note and are charging everything on regular payment to interest and only posting addition principle that I am paying toward principle. I have contacted the company several time and can not get them to give me an answer. They first stated that my loan was all interest for the first 10 years which is not true because before the purchased the note from XXXX XXXX I was paying both interest and principle with my payments and I have the original note. These people do not seem to understand or do not want to help resolve the issue. I do not know what to do except file a law suit against the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-06 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Taking out the loan or lease — 
Company: Uber Technologies Inc.
State: FL

Complaint narrative:
I got approved for a lease through Xchange Leasing ( an Uber subsidiary ) on XX/XX/XXXX with only XXXX down payment. I picked the car on XX/XX/XXXX and starting driving for Uber that day. The payment agreement was XXXX weekly. The problem here? First, I reported car issues on XX/XX/XXXX. Those problems begins with aligment, low coolant, transmission sometimes making rough gears after heavy usage during the day, and the car can tremble or start to fail on a stop when turning off AC for a while. I signed the contract and one of the documents said that the car was fully inspected. Second problem, they did n't took the first weekly payment from my Uber earnings as supposed, then it was really a pain to contact them and had the response on time, they only have email for our problems! The agent XXXX never told me if the issue was resolved or not, I had to give it a try to see if I can send the payment through XXXX, and it worked. Now the car was still with troubles and I decided to give up with this irresponsible company and return the car with only 2 weeks of usage. They are now demanding to pay up to 5 weekly payments, they will take XXXX of my XXXX down payment. I know that was on the contract, the only thing here, is that I did n't mean to break the contract on purpose. They gave me a car with serious issues and clearly not well inspected and now I have to pay the price for their fault? Seems to me this business is a complete scam. I only want them to stop charging me for the 3 remaining weeks because of all the troubles they caused me. It 's not fair that I wanted to keep the car and work and they did n't handle this with a properly manner and they did n't even care, only for the money. This a an hoax.

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 2016-03-09 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Threatened to take legal action
Company: Pacific Collections
State: NM

Complaint narrative:
This person contacted my father in law first about a debt my husband does not have. I returned the call and the person tried telling me he was going to go to his place of employment and it was better talking to my father in law. My husband called after the male representative began being verbally assaulting to me. He told the representative that it was not his debt and to please mail him proof to our PO Box and the gentlemen began accusing my husband of not being able to speak for himself.

Company response to consumer: Untimely response
Consumer complaint received 2017-04-10 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Flagstar Bank, N.A.
State: MI

Complaint narrative:
I have a loan with flag star they will not pay my taxes. I have called several times with no answer to questions.

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 2015-11-03 00:00:00
Product: Debt collection — Payday loan
Issue: Communication tactics — Called after sent written cease of comm
Company: Mobiloans, LLC
State: IN

Complaint narrative:
I notified them right away that I could n't make the payments right now because of the enormous fees. I spoke to them on the phone to customer service first, letting them know they could call or email me but could not call my employer. They still called my employer daily. I sent them an email to stop calling my employer, they still called daily. I faxed them a statement, referring to this website that they must stop calling my employer at XXXX. I told them in the fax that they could continue to call my cell or email me, both of which they have. But they keep calling my employer daily, sometimes more than once. I can not get personal calls of any kind at work. I just want them to stop calling my work number. I do have supporting documentation but I do n't have it on me at this moment that I 'm submitting this.

Company response to consumer: Untimely response
Consumer complaint received 2017-04-04 00:00:00
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AR

Complaint narrative:
I have XXXX credit cards with capital One that I have never paid late and the payment is paid before the due date and more that the minimum payment. However at one time was an authorized user on my ex fiances capital one credit card account. When we split, he and I both requested that I be removed and he removed off mine. However, even though Capital One removed from my report, they 're still reporting it under my account with them. I have XXXX credit cards with them that have never been late and I always make large payments as well, but when I recently called for an account upgrade, I was told it was denied because " XXXX of my accounts '' is past due. So even though they removed it from my credit file, they 're are still, as I feel, holding his accounts and how he manages his against me which is unfair, considering I was an authorized user on his account, that doesnt make me responsible for the debt. They are continuously holding my payments for 10 days, putting an account lock " fraud '' on my credit cards when I make payments and they said to " verify '' it was " my account '' since I had payments returned in the past ( that was not late ). The last straw was when I applied for a credit limit increase that showed online I was eligible for and how excellent of a customer I 've need, and it was immediately declined. I logged in to view the reason letter and it stated " due to too many inquiries ' so I called customer service and I was told it was due to several missed payments on my accounts. I told them I 've never been late and they started giving me his information that they 're still linking to my accounts. Then they tell me it was a mistake when I get upset for them still holding me responsible for someone else 's accounts. I feel like I am being held responsible for someone else 's debt since XX/XX/2016 till current

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-20 00:00:00
Product: Payday loan — 
Issue: Received a loan I didn't apply for — 
Company: Chaplain Financial Services LLC
State: NJ

Complaint narrative:
There are several numbers used in this scam, but they all go back to a XXXX, which does not seem to exist, except as a XXXX. in XXXX and Georgia. The XXXX numbers I have been called from are XXXX, XXXX and XXXX, XXXX,XXXX, XXXX and the XXXX women that continuously harass me are XXXX and XXXX and XXXX. Between them, they probably call me 8 times a day. 
They claim that I owe a payday loan debt from 2011, in the amount of {$1300.00} through XXXX. I have NEVER taken out a payday loan, but they said all things lead back to me and my information, therefore I am responsible and I can not fight it, it 's too late. 
I told them i refused to pay and asked for a Debt Validation Notice or the documents with my signature. She informed me that they do not have that information and can not get it, that I should have received it from the original debtor. They never answer the phone with the name of the company, it 's always litigation or their name. I believe they are calling from cell phones! 
I asked them to never call again, they will not get a dime from me, she tried telling me they will send it for prosecution. Yet, they ca n't even explain why it took them XXXX years to finally contact me if I owed such a debt. TOTAL SCAM!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-05 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: Tormey Bewley Corporation
State: NM

Complaint narrative:
XXXX BILLED XXXX FOR AN XXXX FROM OVER 3 YEARS AGO AND IT WAS PAID THEN A YEAR LATER THEY SENT ME A BILL FOR THE SERVICE SAYING THAT XXXX PAID IT BUT TOOK IT BACK AND NOW IM RESPOSIBLE, I CONTACTED XXXX AND THEY SAID THAT XXXX CODED THE SERVICE WRONG AND IT NEEDED TO BE CORRECTLY CODED AND RESUBMITTED. I CONTACTED XXXX ABOUT THE ERROR WAS TOLD IT WOULD BE TAKEN CARE OF AND NOW THEY ARE TRYING TO CONTACT ME FOR PAYMENT AGAIN.

Company response to consumer: Closed
Consumer complaint received 2017-04-09 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Commonwealth Financial Systems, Inc.
State: TN

Complaint narrative:
I 've recently pulled my credit report and discovered that this company has reported that I owe them a debt. To my knowledge I have never done business with this company and neither have they provided me with services or goods

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-06 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Collection Consultants of California
State: TX

Complaint narrative:
XX/XX/2017, I was reviewing my credit report like I do every year and saw a collection account from Collection Consultants for {$210.00}. I immediately reached out to the company by mail asking for more information about this debt including validation. Collection Consultants ignored my request and responded by adding XXXX MORE collections on my credit file and added the remarks " Unable to locate consumer. '' This is a fabrication of the truth since my return address was on the letter. I reached out to them a second time via certified mail in XX/XX/2017 and the company has blatantly ignored my repeated request for validation of these XXXX debts I allegedly owe. Collection Consultants have violated the Texas Finance Code by attempting to collect a debt for which they are not licensed or bonded or legally able to collect on the in the state of Texas. This inaccurate information has caused me great harm by tarnishing my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-12 00:00:00
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Seized/Attempted to seize property
Company: Renton Collections Inc.
State: WA

Complaint narrative:
Heat pump installation incomplete. Paid half up front and expected to pay remaining half on completion. Installer improperly installed equipment. Installation company point of contact denied my identified code deficiencies. Once City inspector concurred installers point of contact became threatening. I asked for product and procedures the installers employee would be applying to the " rework '', Installer 's point of contact erroneously stated code requirement and would not identify product or procedure information. Installers point of contact threatened to lien my property where the product was installed and damage my credit record in a seven day period if I did not operate by their directives ... This Thursday evening XXXX/XXXX/2017 I received a call from a collection agency and a visit from a process server. The installation company has been sent by certified mail a dispute notice ( they received XXXX/XXXX/2017 ), a request for validation of debt ( separate certified notice they received XXXX/XXXX/2017 ) and an administrative remedy ( eta XXXX/XXXX/2017 ). The installer does not have an installation contract that I am aware of, I sent the first half payment with the proposal but there was no conflict resolution process language and I was led to believe half up front and half on completion by the sales person and the installation scheduler.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC.
State: MO

Complaint narrative:
XXXX University sent a letter forgiven and canceling my loan yet this is still showing with the lender as me owing the loan, I do n't understand why. I also consolidated my loans and did a income based repayment plan yet every loan shows on my credit report and this is hurting my credit, I have called and asked to have this updated and it has n't been done. I also requested a fax number or some way to send a copy of the letter from the school and I keep getting the run around stating that I still owe the loan

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-08 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I reported Fraud on my credit card. I reported the Fraud to Bank of America, the charge is still on my file as they " research '' the issue. I want to pay the balance of my card but I do not want to pay the fraudulent charge. As a " preferred client '' I tried to call and speak to the claims department and was told I would need to wait over one hour. There is no online assistance and I suspect Bank of America is not doing everything in their power to resolve this manner in a timely and satisfactory manner.

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 2017-04-05 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC.
State: VA

Complaint narrative:
XXXX XXXX constantly directed me to do forebearance after I informed them I couldnt pay them the amount they were asking. I was never told what forebearance was and that it would increase my principle, instead, they told me this is the only thing I could do if I could n't pay that month.

Company response to consumer: Closed with explanation