vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-06-03 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: FORD MOTOR CREDIT CO.
State: NJ

Complaint narrative:
My wife purchased a car from a XXXX dealership in XXXX XXXX, New Jersey. This purchase was financed at the time of the purchase through Ford Motor Credit. The purchase consisted of a down payment with the balance to be paid in monthly installments over a XXXX year term. On the same day financing was set up - we enrolled in automatic ( recurring ) payments from our deposit account. Nevertheless, each month my wife would log on to Ford Motor Credit 's web portal to make each installment payment and effectively overrode the auto-pay function. In the first part of this year we failed to manually make the payment as we were out of the Country ( XXXX ) and we were for the XXXX time relying on the auto-pay to make all of all periodic payments ( including this auto installment loan ). When my wife logged on the following month to make a manually payment, she was informed that the payment was not processed. She immediately made that payment ( inclusive of a late fee ) and the following XXXX, in addition to orally confirming with Ford Motor Credit 's customer service that the auto-pay was active for future months. In inquiring about the matter, I was informed by that our auto-pay request was not transferred from dealership to Ford Motor Credit when we initially financed the vehicle, but is now confirmed to be active on this account. There is now an inaccurate derogatory mark on my wife 's credit history because of their error which is negatively affecting our ability to purchase a new home. 

We reached out to Ford Motor Credit regarding this error in which they responded with a form ( XXXX ) letter that failed to address the claim. To wit they responded : " [ t ] o prevent derogatory information from being reported to the credit bureaus, the full payment must be received, or an extension requested and processed before the payment is XXXX days past due. As the reported information accurately reflects our experience with your account, we will not request the Credit Reporting Agencies to remove it from your credit file. '' The account was not XXXX days past due, rather any failure to process the full installment payment was a result of their own failure to execute the previously authorized automatic electronic funds transfer from our deposit account.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-19 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: FORD MOTOR CREDIT CO.
State: LA

Complaint narrative:
In 2007 my ex-wife and I XXXX. I had XXXX vehicles under my name which were with Ford Motor Credit as the cosigner, and XXXX XXXX XXXX which I was the primary. The XXXX proceedings lasted almost XXXX years. On the last day of the court proceedings I communicated with both creditors trying to salvage my credit as best I could. Both FMC and XXXX gave me no special treatment, their only advice was to pay both of the accounts in full by the close of the day, and the accounts can be removed from my credit bureau file after XXXX years has past from the first deliquent reporting which was XXXX 2007 for XXXX, and XXXX 2007 for FMC. I agreed with both and settled both accounts immediately. The total pay off for both accounts was over {$30000.00}. The XXXX years has now past, and I have disputed the information with all three credit bureaus stating the allotted time has past and the accounts were paid in full. The returning investigation shows that the derogatory information has n't been removed but only updated. The first delinquency for the months of XX/XX/XXXX and XX/XX/XXXX 2007 now have been blacked out and report back " NO DATA ''. I have contacted both creditors asking why they have n't held up to the agreement made on the last court date. I have suffered with this on my credit report for the XXXX years, paid higher interest rates on everything I borrowed, or saved until I could pay cash long enough in the eyes of the law governing the credit reporting process. They have now changed the information in my files by deleting the XXXX delinquency, and therefor keeping me suffering with this on my file. Why and how are they able to do this? Are they able to do whatever they want regarding my information? They have to hold up to their end of the agreement and release me from my suffering. 

Ford Motor Credit Acct # XXXX # ending in XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-15 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Army and Air Force Exchange Service
State: TX

Complaint narrative:
I was a member of the XXXX XXXX and was XXXX in XXXX due to injuries sustained in XXXX I had a XXXX XXXX XXXX with a {$8400.00} balance in XXXX. So far, XXXX XXXX XXXX has collected a total of {$8700.00} from my tax returns and an additional {$1900.00} from my pay checks. I contacted XXXX XXXX XXXX and they informed me that they contacted via mail back in XXXX, but since they sent it to a wrong address, they said I forfeited a settlement and they took garnishment actions. I have not heard anything from them in 5 years, yet every time I turn around, they are taking money without me knowing. Had I not called The XXXX XXXX XXXX XXXX today, I would have never known about the garnishments of my wages. I have asked AAFES and XXXX numerous times for a breakdown of what I owe and have yet to receive anything since XXXX. I am a little confused on how this is the slightest bit fair.

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 2015-10-07 00:00:00
Product: Debt collection — Payday loan
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Secure Capital Management, Inc.
State: LA

Complaint narrative:
Representatives from SCM ( Secure Capital Management ) googled me ( I 'm assuming ) and contacted my dad 's wife and left a voicemail that had my last XXXX of my social and a threat that if I did n't call them back they would show up at my job. There was no way they could 've known she was affiliated with me and there 's NO reason to leave my name and the last XXXX of my social on a voicemail of someone who could 've been a complete stranger and done something with that information.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-06-10 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Trident Asset Management, L.L.C.
State: CA

Complaint narrative:
On XXXX/XXXX/2013 wrongfully without my verbal or written authorization account with XXXX XXXX XXXX has been open under my name. 
I never received any service / benefits from XXXX XXXX Trident Asset Management reported this account as a collections without verifying this account, without providing me notice with right to dispute.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-26 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: FORD MOTOR CREDIT CO.
State: TX

Complaint narrative:
I submitted a electronic ACH payment ( as I normally do ) to Ford Motor Credit for my XXXX, 2016 car payment which is not being credited to the account. This is not the first time Ford Motor Credit has made a mistake by misapplying a timely-made payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-08 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Army and Air Force Exchange Service
State: NC

Complaint narrative:
Army & Air Force Exchange Services transferred my debt to a collection agency called XXXX XXXX XXXX XXXX I never received a letter or phone call from XXXX until I was buying a house. Then I received a letter stating I owe {$3800.00}. I asked the customer service rep what this was all about? She stated that they sent a letter to the address, [ left blank intentionally ] XX/XX/XXXX. I asked if they tried to call me. She stated, " No. It is not our practice to make outbound calls, we just send letters. '' So I told her that I had not lived at that address since XX/XX/XXXX-XX/XX/XXXX. She was silent. So I asked if she could bring the payment to what is showing on my credit report? She stated that I would have to call the XXXX office to make a settlement offer. When I call, they said that I owe {$3800.00}. It had occurred almost {$40.00} within 8 days of the letter being sent through the mail. I talked to XXXX XXXX and he said he will submit the offer up to the client and it should take 14 business days to hear something back. I offered to pay what was on my credit report of {$2400.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-13 00:00:00
Product: Credit card — 
Issue: Other — 
Company: Army and Air Force Exchange Service
State: FL

Complaint narrative:
Dear Sir or Ma'am, I am writing to dispute a Military Star card account that is not mine ( account # XXXX ). I do not even know the full account number because this is not my account ( no statements and they will not tell me the full account number because it is not my account ). I once had a Military Star account that was paid in full and closed XX/XX/XXXX while I still lived in XXXX, but it was a XXXX account with a {$500.00} limit ( meaning it could only be used at a Military Clothing & Sales store ). I did not re-open this account, nor do I even receive statements since someone has apparently re-opened it. I lived at my previous address for 5 1/2 years until XX/XX/XXXX and my current address ever since then without ever being contacted. I have repeatedly sent corrections directly to XXXX, XXXX, and XXXX disputing this information, which they forwarded to Military Star without resolution. I also sent letters to Military Star, with XX/XX/XXXX being the most recent. 
My wife, XXXX XXXX, has also been in regular phone contact with Military Star regarding the continued reporting of this account on my credit report, the repeated negative reports, and the occasional deductions from my pay ( that we then have to work with you for reimbursement ). Military Star 's representatives tell us on the phone every time she calls to complain about this false account that it should be off of my credit report in the next month because they can see in their system that it is not mine, yet it continues to be reported.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-23 00:00:00
Product: Credit card — 
Issue: Sale of account — 
Company: Army and Air Force Exchange Service
State: AP

Complaint narrative:
I was trying to make payment arrangements with my credit card company because I received a letter in the mail dated XXXX XXXX ( See attached ). I had until XXXX XXXX, 2015 to get in contact with them before they sent me to collections and would charge me an addition XXXX % on top of what I owe. I spoke to someone at AAFES on XXXX XXXX, 2015 about the unmanageable {$470.00} a month payment requested in the original letter. She and I made the payment arrangements of {$210.00} each month for 36 months. After all was said and done I agreed to put it in writing and fax in which I did on XXXX XXXX, 2015. 
The payment arrangements were to start on XXXX XXXX, 2015. When I called them on the XXXX, they had no record of the phone conversation or my fax. They had note that I called in on XXXX XXXX, 2015 to talk about the debt, but then no record of the lengthy phone conversation afterwards. I asked for them to listen to the recording for proof of the conversation. The customer service agent said she did not have access, only her manager. I asked for a manager, but the manager was not in after a ten minute hold. 
I talked with the debt collection company and they were not helpful. When I talked to AAFES they told me to pay them, and not the debt collection company. I can not control if an AAFES employee enters my data in the computer system or not and should not be penalized for her not updating the database with my new payment arrangements.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-26 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: PHH Mortgage Services Corporation
State: TX

Complaint narrative:
I am currently trying to resolve a matter with PHH mortgage company. We 've have a prior run-in with them before and the CFPB was very beneficial in helping us. PHH illegally went to sale on our home in XXXX. Once we called them out and filled a complaint, they vacated the sale. They 're now they 're refusing review our request for loan modification on our VA loan and to stop a sale date on our property. The filing of sale was posted on XXXX XXXX and set for XXXX XXXX. 
PHH is stating that they will only postpone a sale if it is XXXX days prior to the sale date - the difference between XXXX XXXX and XXXX XXXX is XXXX days. This XXXX day rule would make it impossible to stop the sale according to PHH. 
We need your help to stop this action - we are working tirelessly with them to try to resolve this matter and they are making that as difficult as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-30 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: American Financial Resources, Inc.
State: NJ

Complaint narrative:
American Financial Resources ( AFR ) is the is the Servicer on my mortgage. Currently shows that America Financial Resources is a XXXX XXXX affiliate of this lender of my mortgage. XXXX financial is the affiliate owner of AFR. Homeowner has submitted the RMA requesting modification over three times and the same results : lost paperwork, or denied without explanation. 

The most recent realization is that the XXXX and XXXX, 2016 mortgage payments possibly will be late. 

Homeowner has generated a NPV Report, data collection date of XXXX/XXXX/2016 and shows homeowner can possibly qualify got a modification. Homeowner will be be in default since XXXX/XXXX/2016. 

Homeowner is formally applying for a RMA application. Recent comparable of comps sold in the last 90 days is {$150000.00} value as compared to $ XXXX XXXX. This shows a LTV of 183 % in homeowners current mortgage condition. 

The comparable recent sales : recent comp is {$150000.00} to {$160000.00}, sold in XXXX, 2016. The income, DTI and LTV Loan to Values used by the services in the denial of the RMA application are in error. I have provided a recent NPV Report dated XXXX XXXX to show proposed modification data date XXXX/XXXX/2016. 
1. The estimated homeowners value is overstated ; off by {$120000.00} 2. Current street value of the home is {$150000.00} as of XXXX/XXXX/2016. 

The Homeowner is requesting : who or whom, is the current investor/lender. 

The servicer and the investor are signature to the XXXX States Attorney Generals Agreement : the National Mortgage Settlement Agreement.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-25 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Using a debit or ATM card — 
Company: ASSOCIATED BANC-CORP
State: WI

Complaint narrative:
I used my DEBIT card on line as a CREDIT to my account. I purchased what was supposed to be ongoing services with the site but the site has locked me out of my account. I disputed many of the charges I made, some outside of normal time limits but many within the time limits. The response from my bank was simply that because I authorized it they could not do anything for me. They would NOT DO ANY of the disputes. I had tried several time to reason with them but they told me they could not afford to lose the money. I thought that since I did not use a pin number it was handled just like a credit card and had some protection. Now they do not even respond to me. They have been provided with my documentation

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-11-01 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: DISCOVER BANK
State: CT

Complaint narrative:
On XX/XX/2016, I became victim of IRS Impersonation Scam Call. The scammers told me that I am an income tax return defaulter and asked me to buy some XXXX cards and send them the code for clearing my outstanding return amount. They also told me that if I wont accept this chance they will start some law and enforcement proceedings against me and they may also put me behind bar. During this event, I used my Discover Credit Card for buying XXXX XXXX cards each recharged with {$500.00} and similarly I used XXXX XXXX XXXX card to buy another XXXX XXXX cards having {$500.00} each, thus totaling to {$4000.00}. On the next day I got in touch with local police authority, shared details of the entire event with them and they opened a case for this identity theft and fraudulent event. They suggested me to raise a claim with both Discover and XXXX XXXX XXXX and I did so. After the claim was raised, I also talked to XXXX XXXX XXXX on-call executives on this matter, they listened to me and cooperated with me and few days later they compensated me the entire {$2000.00} which I lost from my XXXX XXXX XXXX account. But, the Discover Account Executives who talked to me on this case informed me that they are not responsible for this case at all, and therefore they wo n't be able to assist me with any kind of compensation for my loss. So, I withdrew my claim from Discover. After this whenever I got in touch with them on this matter, always they said that as I have withdrew my claim initially, and once a claim is withdrawn they can not do anything more on that. 
I want to raise an official complaint against Discover. I know Discover is a very big organization providing service to thousands of people. But, if XXXX XXXX XXXX could cover me for my loss, why could n't Discover cover me at least some part of my loss, if not all. They should also be having some fraud protection policy for this kind of cases. If you could please look into this matter I would be very obliged.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-10 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: PHH Mortgage Services Corporation
State: FL

Complaint narrative:
I received a mortgage loan with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX with my Mother. 
XXXX I was layed off and gotten sick could not pay make payments. 
1. Being sued by PHH mortgage XXXX to foreclosure. 
2. They have no assignment of mortgage. 
3. PHH Lost Mortgage 4. PHH Lost Note 5. False statements at filing XXXX 6. Stating they are a govenment agency to the court ( PHH is not a govement agency ) 7. Having so far XXXX men try to break in with out a judges order and one broke in looking at me in my bed. Very dangerous threating actions to myself.. 
8. With me living in condo putting a notice on the door this is a vacant propery ( Lie ) PHH paid company then to brake in to change locks according to sheriff without judges orders. 
9. Will not give me a payoff in a timely manor ( I had to accept offer to sell without knowing what the payoff was. ( XXXX XXXX ) 10. Would not allow any mortgage motifications just wanted me to short sale only. Just was offered that by PHH attorney today XXXX/XXXX/XXXX they will not correct attorney billing and fees. ( They just want the condo and will not let me sell it so far ) False filing in XXXX then in XXXX that is 13 years later after mortgage taken out filing a assignment without notice covering up. 
10. Excessive attorney fees and me haveing to paying for men to threaten me ( very weird ) break in and threaten me? 
Need your help possible HUD, RESPA, TRUTH IN LENDING VIOLATIONS, MORTGAGE FRAUD NO ASSIGNMENT FOR 13 YEARS, UNITED STATES COMMERCE ACT VIOLATIONS, BANKING VIOLATIONS, HARP WILL NOT LET US PARTISPATE, ELECT. FEDERAL VIOLATION FILING WITH LOCAL COURT, TRIAL DENIED, SELLING TO XXXX XXXX WITH FALSE DOCUMENTS ( NO ORIGINAL DOCUMENTS NO NOTE, NO MORTGAGE, NO ASSIGNMENT ) XXXX XXXX UNDERWRITING NON COMPLIANCE.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-01 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: ASSOCIATED BANC-CORP
State: WI

Complaint narrative:
On Wednesday, XXXX XXXX, I checked my bank balance on my phone through the bank 's app. I saw a balance of {$200.00}. After seeing this, I proceeded to make purchases on my debit card. The following day I received an email notifying me of an NSF fee that had been deducted from my account. I checked my account online only to realize that our balance had been $ XXXX when I checked it on the app. ( There may have been parentheses around my balance which were the only indication that the account was overdrawn on the app. This did not register with me as a negative balance. ) By this time, there were XXXX {$35.00} NSF fees. I called my local branch and was informed that I would need to speak to the branch manager but that she was in a meeting. It was suggested that I either call back the following day or contact a toll free customer care number. I immediately called customer care, and had XXXX of the fees removed but was then informed there were XXXX more being added for a total of XXXX. The customer care rep informed me she could only do a courtesy credit of XXXX fee per year. We have tried to negotiate these fees with the branch manager since then, but she does not seem able to help us though she continues to try. We were not aware that when we opened our account we had allegedly agreed to " overdraft protection '' which was why our debit card was not declined at any point after we were overdrawn. We do not regularly run our account down to XXXX. A purchase made over a month ago, came through very late and unexpectedly. We were always under the impression that in the unlikely occurrence that we were ever out of funds, our card would merely be declined. Since this happened I have opted out of this " protection '' regarding my debit/ATM transactions.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-12-11 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Shopping for a loan or lease — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
My wife and I were shopping for cars. At each dealer they ran a credit report before we could consider an offer. Now XXXX of my credit inquaries are from dealer car shopping. I was told My credit is down graded because of all these inquaries. It is my understanding that all of these inquires should be counted as XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation