vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-11-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: TD BANK US HOLDING COMPANY
State: VA

Complaint narrative:
XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX E-Mail : XXXXXXXXXXXX XXXX XXXX ) XXXX ( XXXX ) XXXX XXXX XXXX, XXXX XXXX : TD Credit Card XXXX XXXX : Work Item Number : XXXX Ref. No : XXXX XXXX XXXX, XXXX are the following items that I am continuing to dispute for the following reasons : XXXX. XXXX/XXXX/XXXX XXXX XXXX XXXX for tickets to the Jazz Festival that were sent to me by mail XXXX month after the event. 
XXXX. XXXX/XXXX/XXXX XXXX XXXX for office supplies that were delivered to the wrong address and left by the XXXX. 
XXXX. XXXX/XXXX/XXXX XXXX Deals XXXX} for a drone that was purchased as a gift for my grandson that was also left at the wrong address. 
XXXX. XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX this was an order that was placed through my XXXX account that was hacked, we did not place this order. 
XXXX. XXXX/XXXX/XXXX The XXXX XXXX} for XXXX concert tickets that were never used as the concert was an hour and a half late getting started. We left after waiting over an hour and requested a refund of the tickets. 

I have sent his information last month by mail and it was lost or is sitting waiting for a response. I would like for someone to call me at XXXX XXXX XXXX XXXX to acknowledge receipt and to conclude this matter asap. 

Very Truly XXXX XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-01 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Unable to open an account
Company: ALLY FINANCIAL INC.
State: MD

Complaint narrative:
I have been denied the right to open an account with XXXX  XXXX an investment service owned and operated by Ally Bank. The reason given is because the suffix " XXXX '' does not appear on my social security card. I have produced my bank statement, my driver 's license, my birth certificate and passport all of which contain the suffix " XXXX ''. I was asked to produce my social security card which does not contain the suffix " XXXX '' and was denied the right to complete the account opening process. The process applied against this applicant is arbitrary and capricious as well and a pretext for racial discrimination.

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 2017-11-01 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Lendmark Financial Services
State: NC

Complaint narrative:
Monthly statements do not display current interest rate or breakdown as to how much of monthly payment is principal versus interest. 

I have written to the company asking for the interest rate of this installment loan, and requesting the XXXX interest rate reduction - but, my correspondence has been ignored. 

I am a reservist who has been on multiple periods of XXXX XXXX orders since getting this loan ( for an HVAC replacement ) ... But, the company ignores my requests for information about XXXX interest rate reduction. 

Account : XXXX Please help. 
Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-01 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
Wells Fargo Bank, N.A. Attorney XXXX XXXX XXXX continues to block my lawful remedy for settling a debt by using a PROMISSORY NOTE/NEGOTIABLE BANKERS ACCEPTANCE. Attorney XXXX has mischaracterizing the instruments for solely being a " Private Registered Bond For Setoff '' or a medallion guaranty and claims that the instruments are unmeritorious and I am acting out of bad faith which I object to. 

What Attorney XXXX fails to realize is that Congress passed a public law on June 5,6 1933 which states that : ( a ) every provision contained in or made with respect to any obligation which purports to give the obligee a right to require payment in gold or a particular kind of coin or currency, or in an amount in money of the United States measured thereby, is declared to be against public policy. ( See exhibit B ) A promissory note is equivalent to money pursuant to U.S.C. Banks and Banking Title 12 Section ( l ) ( 1 ) ( See exhibit C Banks and Banking law regarding a  promissory note ) Attorney XXXX is violating 73d Congress Sess. I. CHS 48,49, June 5,6, 1933 House Joint Resolution public law 73-10, because she can not reject another form of currency that is equivalent to money from an obligor who decides to settle a transaction other than using Federal Reserve Notes. 

Furthermore, the accounts ending in XXXX and XXXX was settled inside of a Wells Fargo branch in XXXX XXXX, Virginia by relationship banker XXXX XXXX XXXX XXXX in XXXX of XXXX. 

Attorney XXXX has copies of the Promissory Note/Negotiable Bankers Acceptance and a copy of a Wells Fargo Bank letter from the branch manager XXXX XXXX XXXX evidencing the settlement performance. 

Moreover, this lawful remedy to settle a debt is not based on money mechanics, the U.S. in bankruptcy or being taken off the gold standard or a sovereign movement nonsense. I just happen to conduct extensive research on the laws and connected the dots. I am not trying to be disrespectful but Attorney XXXX appears to be ignorant of House Joint Resolution public law 73-10 or simply may be in  dishonor.

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 2017-11-01 00:00:00
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SELECT PORTFOLIO SERVICING, INC.
State: GA

Complaint narrative:
My Mortgae Servicer, Select Portfolio Servicing, has canceled my payment plan due to the fact that I asked them to explain to me exactly what the payments were going towards. I have filed a complaint in the past and they have yet to give me an accurate answer. They allowed me into a catch up plan for the debt they are trying to collect from me. The plan calls for XXXX paymwnts of XXXX each, My simple question is to let me knoow the breakdown of those payments. How much goes to principle and how much goes towards the excessive fees they have added on the years. Instead they have canceled the plan on me. 
They have a foreclosure date on my house for the XXXX XXXX. I would like for them to prove the fact that they actually have a legal right to foreclose on my house. The Mortgage was placed in a trust owned by XXXX XXXX. XXXX XXXX had been sues by the govt. over these trusts and was found guily and told to pay out a settlement to the mortgage holders involved with these trusts. I 've bought that to the attention to the folks at Select Portfolio Servicing and they seemed to know nothing about it. I would like them to investigate that issue more for me. 
I talked to their Ombudsman Dept. about the foreclosure date 4 times over 4 days. 3 of their employees told me the foreclosure date was going to be put off. On the XXXX call I ws told that it would not be put off. This si what they do, mislead you with misinformation and they make common practice of it. I 've noticed that there have been thousands of complaints about this company on the CFPB site, why is nothing being done about this, I had talked to them about working out a settlement but with the foreclosure date so close they are not allowing me the time. It seems they are bent on foreclosing on me without working through all the options. 
I have also requested in the past to see a copy of their servicing and pooling agreement with XXXX XXXX  and it has never been produced. It all makes me weary that they are trying to foreclose when they actually do not have a legal right to.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-01 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I have a Bank of America credit card. On XXXX I made a payment for {$3200.00} on their online banking from my chase checking account. I checked back 24 hours later and it did not show on the BoA online account and it was now late so I thought it hadnt worked. I received no email or anything stating it went through. 

On XXXX I made another payment for {$3000.00} dollars under the misconception that the first payment didnt go through. 

On XXXX both payments posted putting my BofA balance at - {$2700.00}, so they now owed me money. 

On XXXX I called to notify BofA. The gentlemen I spoke with, XXXX assured me this would be corrected and said he had put in a expedite request and I should have the money back by XXXX. 

I called BofA Monday XXXX and spoke with another person who said XXXX was wrong and it could take up to 5 business days meaning it would come back XXXX. 

There was nothing I could do and without that money my checking account was overdrawn by over {$1000.00}. 

On XXXX I was told by BofA that the money was released. I called chase to find out when I could expect the money. 

XXXX told me to expect the money by XXXX the latest. 

It is now XXXX and I called chase and they told me it could take up to 14 business days ( 3 weeks!!! ) from when BofA released the money. 

This is absurd. I am now stuck waiting over a month and who knows if I will ever get this money. I feel ripped off and disgusted. Please help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-11-01 00:00:00
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SELECT PORTFOLIO SERVICING, INC.
State: GA

Complaint narrative:
My Mortgae Servicer, Select Portfolio Servicing, has canceled my payment plan due to the fact that I asked them to explain to me exactly what the payments were going towards. I have filed a complaint in the past and they have yet to give me an accurate answer. They allowed me into a catch up plan for the debt they are trying to collect from me. The plan calls for 12 paymwnts of {$2000.00} each, My simple question is to let me knoow the breakdown of those payments. How much goes to principle and how much goes towards the excessive fees they have added on the years. Instead they have canceled the plan on me. 
They have a foreclosure date on my house for the XXXX XXXX. I would like for them to prove the fact that they actually have a legal right to foreclose on my house. The Mortgage was placed in a trust owned by XXXX XXXX. XXXX XXXX had been sues by the govt. over these trusts and was found guily and told to pay out a settlement to the mortgage holders involved with these trusts. I 've bought that to the attention to the folks at Select Portfolio Servicing and they seemed to know nothing about it. I would like them to investigate that issue more for me. 
I talked to their Ombudsman Dept. about the foreclosure date 4 times over 4 days. 3 of their employees told me the foreclosure date was going to be put off. On the XXXX call I ws told that it would not be put off. This si what they do, mislead you with misinformation and they make common practice of it. I 've noticed that there have been thousands of complaints about this company on the CFPB site, why is nothing being done about this, I had talked to them about working out a settlement but with the foreclosure date so close they are not allowing me the time. It seems they are bent on foreclosing on me without working through all the options. 
I have also requested in the past to see a copy of their servicing and pooling agreement with XXXX XXXX and it has never been produced. It all makes me weary that they are trying to foreclose when they actually do not have a legal right to.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-01 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: SLM CORPORATION
State: FL

Complaint narrative:
Sallie Mae employees on more than three occasions have deliberately made inaccurate statements about what I need to do about my account, including supervisors that I spoke to about the issues. Add to that, they have kept my account almost a year over in forbearance limbo because staff at Sallie Mae, who seem to be paid for interest accumulations, would go on my account and made changes that were unauthorized or would call my co-signer, a XXXX year old person, and coerce her into making decision they know are not in the interest of my account. They have even wrongfully coerced her to pay money which was not due.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-01 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: TX

Complaint narrative:
I set up payment and payment declined. They call claim he 's a lawyer saying he 's gon na prosecute me and hold on my licence it 's a payday loan from 6 years ago

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A.
State: CO

Complaint narrative:
Hello, On XXXX/XXXX/XXXX I was utilizing Citi Cards website, signed into my personal credit card section. They advertised an opportunity to sign up for a promotional APR for their Citi Dividend Mastercard, with the following terms noted - Must sign up no later than XXXX/XXXX/XXXX XXXX XXXX XXXX APR for new purchases, excluding a few items like balance transfers and fees XXXX XXXX XXXX APR good through XXXX/XXXX/XXXX I clicked accept on the offer and my account page reflected the same. 

I re-reviewed the offer as i do n't tend to carry unpaid Credit Card balances, so ensuring the promo specifics was a high priority for me. Everything was as I understood, and I logged off for the evening.I generally wait until the next business day before utilizing any offers like that to ensure there are no timing issues ( i.e. it goes into effect next business day ). 

After planning some purchases with my wife later that night, i logged on this morning XXXX/XXXX/XXXX to validate once again the terms set forth by Citi prior to making my purchase. However upon visiting the my offers section the offer now said it was valid only for purchases made THROUGH XXXX/XXXX/XXXX, which is 100 % not what it said previously. 

I assumed it was a display error, so called Citi to validate prior to making my purchase. They advised they only saw the offer showing for purchases made through XXXX/XXXX/XXXX. I explained the situation and the rep had her manager reviewer, but they both said they saw the same thing. 

This is extremely upsetting as Citi has essentially lied to me in an effort to encourage me to make large purchases, knowing i 'd be subject to a high APR on those purchases. I do n't understand how this can happen with such a large financial services company. 

I asked the representative to escalate further with a few validation questions. 
Why would i be able to accept an offer that expired that same night - do all of their offers allow you to accept them until the date they expire? Why was it still showing on my available offers today ( XXXX ) if it had expired? 

I 've never complained about a credit card before, but being lied to is beyond what i can accept especially from a financial 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 2017-11-01 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: SLM CORPORATION
State: NY

Complaint narrative:
I was recently set up on a repayment plan for my loans. I was paying {$340.00} a month. This amount was evenly distributed throughout all of my loans. For the months of XXXX, XXXX, XXXX and XXXX my payments were not processed. I had the money to pay the loans every month. I did not recieve not one call from sallie mae in these four months stating my payment was being rejected. On XXXX XXXX I recieved a call from a woman who informed me of this. She said if i didnt pay the months that were not processed which was about {$1000.00} by the end of XXXX I would be kicked off of the program. I was not given a second option. I set up a payment for XXXX XXXX, for the {$340.00} amount. She informed me if i didnt pay an additonal {$340.00} in XXXX I will no longer be under the program. I called this morning XXXX to resolve this issue. I was transfered twice spent 27 minutes on the phone and most of which my time was spent on hold. People kept transfering me to someone who can " help '' and I didnt get any answers. I need to resolve this as soon as possible.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-01 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: Santander Consumer USA Holdings Inc.
State: MI

Complaint narrative:
I turned in a XXXX XXXX lease seven months early. I had received several different invoices for early termination liability. The first for {$40000.00}, second for {$5000.00} and last for {$4500.00}. I had a lawyer sent a letter asking Chrysler capital to explain a few issues with billing and missing pages from an invoice. I also asked for them to reduce the bill because I feel they age charging me excessively. I called on XX/XX/XXXX and they stated they never received the letter. I faxed them a copy and called back on XX/XX/XXXX. I was told they could not talk with me because a lawyer represented me. I stated I was not being represent by a lawyer that I just had the lawyer write me a letter. After operator spoke with the supervisor she said she could speak with me. I again stated my issue with the amount being billed. XXXX said it looked like I only owed {$900.00}. I said that was good and if they sent the bill I would settle the debt. Again she went to talk with her supervisor. She came back and said that a final bill should come in three to  five days. I asked how much will it be and she said she could not give the correct info because there were charges in different areas that would need to be collected. On XX/XX/XXXX I received a letter stating my request for cease and desist was processed and my account was put into hold. I called to find out what this meant and was told that they could not talk about the account because a lawyer represented me. Again I stated a lawyer did not represent me. I had my lawyer call on XX/XX/XXXX to clarify with Chrysler capital that a lawyer was not representing me. The operator on the phone stated that she could not hear the lawyer on the phone and that there was a bad connection. The call eventually dropped. I was on the call and on my end everything the lawyer said was clear. The lawyer suggested I file a complaint with CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Allied Servicing Corporation
State: OH

Complaint narrative:
My house loan was sold to another loan place in XXXX of XXXX from XXXX to Allied Servicing Corporation. My house taxes became due in XXXX XXXX, I had no idea they were not paid until i received a letter in the mail from XXXX XXXX clerk office in XXXX stating that they needed paid by XXXX XXXX to prevent my name from being in the paper, so I called Allied and asked them about it they kept giving me the run around on the situation I then talked to a XXXX XXXX on the XXXX of XXXX and she said she got it straightened out with XXXX which is the girl who takes care of the escrow stuff XXXX XXXX said that they were being paid that day, well I called back on the XXXX to double check and XXXX XXXX told me that they were being paid, I then called the XXXX XXXX office on XXXX XXXX just to make sure that they were paid well they told me that they had not been paid yet so I called Allied back and once again I talked to XXXX XXXX she then told me that they were not paid and they would not be paid because I was negative in my escrow account I preceded to ask her why they were not paid and why she told me on the XXXX and XXXX that they were going to be paid well she would n't give me an answer she was very rude and then she said I am hanging the phone up and the phone went dead, I tried for an hour to call back they would n't answer so i called back on my cell and XXXX XXXX answered and I asked to speak with a manager and she said there was not one available and she hung up. I do n't understand why they are n't paid and then they could do an escrow analysis to make up the difference. Would you please help me with this situation because Allied wont talk to me. Allied number is XXXX My account number is XXXX my name is XXXX XXXX Thank You so much

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-01 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Navient Solutions, LLC.
State: KS

Complaint narrative:
I have received epeated callsto my cell phone number at all times during the day stating that we are owing money. We have checked and we are not behind in payment nor does our credit report such activity. It is a different voice but same phone number. I am leary of speaking with them for fear that they will spam or phish us. I checked the phone number online and found that this is a company on the east coast that has been reported to conduct such activities in the past. It is costing me in minutes on my cell phone plan.

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