vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-12-15 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Big Picture Loans, LLC
State: CA

Complaint narrative:
I tried to schedule a pay off for my loan to pay it off early. I was given a pay off amount of {$1700.00}. I scheduled this payment and it processed on XXXX/XXXX/XXXX. Today, XXXX/XXXX/XXXX, three weeks later I am being billed an additional {$320.00}. I have been on the phone with two representatives who can not tell me why I am being charged this amount three weeks later. They are further telling me I owe an additional {$120.00} and that the representative I spoke with regarding my pay off amount gave me inaccurate information. I have been on the phone so far for 52 minutes trying to get answers and am concerned my account is going to be continually billed for amounts I am unaware of.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-15 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Netspend Corporation
State: OH

Complaint narrative:
Netspend advertising on the front of their package looks much like a gift card. I purchased it by mistake. I was unable to get a refund from the store and Netspend required DL, SS card, and proof of residence to create an account. This has created a delay where they are holding my money and I ca n't use it. They have yet to create an account for me. THey offered a full refund but it will take 7 to 10 days. 

In general they are deceptive in packaging and they are extremely difficult to work with. 

They keep you from your money and have ridiculous fees for simple transactions. 

This is sad if this is all poor credit people have to use. 

I had to cough up more cash to buy gift cards for my XXXX presents because all this money was tied up with Netspend, I was lucky I had it or the kids would have gone without.

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 2017-12-15 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Hillcrest Davidson & Associates
State: TX

Complaint narrative:
Did n't receive a notice five days prior to this creditor inaccurately reporting debt that is not owed to my credit file. The law states that a consumer must receive prior notice of their right to dispute and XXXX XXXX XXXX XXXX failed to adhere to the law. This debt is not owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
There was no option for the issue I am experiencing at this time. 

I was attempting to log in to make a payment on my account. 
I ca n't log into the website to make my payment and the payments are a couple months past due. I actually was trying to make a catch up payment, but the company will not allow me to access my account to make one. I tried using the online chat but they would not even speak to me. So I am now reporting them to the FTC as they are willing to damage my credit, but unwilling to allow me to make a payment. 

I tried filling out the survey that popped up, but the site conveniently disabled it before I could submit it. I am going to post my complaint on XXXX to see if I can get an attorney to pick this up so I can sue the company. I am done playing games with them. 

The online agent disconnected and forced the chat closed before I could even get the phone number to call there help line.

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 2017-12-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: U.S. BANCORP
State: MI

Complaint narrative:
My XXXX XXXX statement shows 3 lines : 1 ) **APR for current and future transactions ''. This suggests that the balance is subject to a 0.00 % APR for this statement and future transactions 2 ) Balance Subject to interest Rate suggests that {$10000.00} is subject to a 0.00 % interest rate 3 ) Expires with Statement XXXX suggests that this is the last statement that will be subject to the 0.00 % APR. It also suggests that the next statement will show an increased APR, with a balance subject to that rate. 

I was charged {$160.00} on my XXXX statement. I believe the XXXX statement is clear and unambiguous ; I am to be charged a 0.00 % interest rate on the entire balance for the month. 

I believe XXXX XXXX XXXX uses this statement to be intentionally misleading. 

I called XXXX XXXX XXXX, and the woman I spoke with was combative and disparaging. She said that the information is clear and unambiguous, that the interest rate expired on XXXX. She stated that if I need help reading my statement, I should have sought help to interpret the financial statement. I work in the financial industry as an analyst, I am pretty familiar with reading financial statements. I agree that the statement was clear and unambiguous, I was supposed to be charged a 0.00 % APR on the balance. 

Not only was the customer service demeaning and rude ; they tried to argue with me, as if to say that this occurs quite frequently with other customers. I believe this is because the statement is intentionally misleading ; they are asked by management to argue with customers, make it seem like it is the customer 's mistake, and denigrate the customer 's financial knowledge. 

What an awful experience with XXXX XXXX XXXX, it is an equal disappointment that XXXX XXXX is associated with them.

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 2017-12-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: OH

Complaint narrative:
My wife had a XXXX back at end of XXXX and has finally returned to work full time at end of XXXX. I reached out to XXXX and asked about assistance with out payments and tried to work out something since we fell behind from XXXX to XXXX - due to wifes medical problems. 

I submitted all of the docs required by XXXX and they reviewed the account. They sent me multiple payment plans to try to get caught up. However, my normal payment is XXXX. They new payments proposed by XXXX were over {$1900.00}. If I was having an issue paying XXXX how can I afford over XXXX. 

I had asked about even doing a interest only payment for a few months and they denied this as well. 

I was asked on XXXX to resubmit new docs for assistance. I have submitted these docs 3 times over the last 3 months. 

I need help to get caught up. I would like to pay interest only for 3-4 months starting in XXXX or would like to have the missed payments added to the end of my loan and start paying the XXXX beginning in XXXX or 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 2017-12-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
I am trying to pay off my last Auto Loan payment through Citizens bank. Since this past XXXX i have been trying to log on to their website, like i have done for the last 4 years to make a final payment, and i keep getting a message saying there is " no billing account associated with this profile ''. Which is preventing me to pay off my loan since i do n't have access to any statements. I used the " Contact us '' link and called the number and its fully automated and all i get after entering my account info is to " refer back to your last statement '' So i went to a local Citizens Branch and they told me that branches ca n't process auto loans, but they did look up my account and tell me it was still active. 

So i have been trying every number of Citizens Bank i could to try and get this resolved and i have yet to speak to someone.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO

Complaint narrative:
Last fall we completed our mortgage obligations to Bank of America ( hereafter referred to as BOA ). Prior to submitting our final payment, the XXXX XXXX XXXX Collector of Revenues office sent notice to BOA regarding the outstanding Real Estate Tax payment that was to be paid by BOA as part of our escrow. At no time did I or my wife receive a copy of the tax bill either from BOA or from XXXX XXXX XXXX. This was the case during the entire term of our mortgage arrangement with BOA. We fully believed that BOA paid our 2016 Real Estate Tax bill since we received no indication otherwise. 

We did receive an escrow resolution letter from BOA ( dated XXXX XXXX, 2016 ) that referenced payments in-and-out of our escrow account, but nowhere did this letter highlight the fact that BOA did NOT pay our tax bill. 

We also received a XXXX tax statement that contained no mention of our Real Estate Taxes. It does mention several other areas that showed BOA paid {$0.00} into certain categories, but again Real Estate Taxes are significantly absent from this document as well. 

The simple facts are that ( a ) BOA had THE ONLY notification of the payment due ( that was sent via email by XXXX XXXX XXXX on XXXX-2016 ; ( b ) BOA had escrow funds in our account ; ( c ) BOA did NOT pay the bill ; and ( d ) BOA did NOT inform us in any clear-cut way that this tax bill had not been paid. Based on the above listed items, we expect BOA to reimburse us for the {$630.00} in delinquent and interest fees that XXXX XXXX XXXX is charging us for not paying our 2016 taxes on time.

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 2017-12-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
capital one bank has pulled my credit fraudulently without my consent 3 times on my XXXX and XXXX report, I have contacted their customer service dept numerous times and they have done nothing to fix this.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc.
State: CA

Complaint narrative:
Diversified Consultant is a 3rd party collection company for XXXX. This company has been trying to collect debt for over 5 years. This debt has been removed and added to my credit report for years. I have requested the collection company and credits Bureaus for contract with signature and company has failed to do so in numerous times of requesting. I do not want a front of one page falsified statement from them which that have done. My credit report states opened in 2016? I have have XXXX since 2014. The company has not responded to my request and again this has been for years. Thank you for your help. Here is information:DIVERSIFIED CONSULTANT473679XXXXXXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, FL XXXXor XXXX XXXX XXXXXXXX, FL XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-15 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Conn's, Inc.
State: NM

Complaint narrative:
My dispute involves two companies the first being Conn 's XXXX XXXX in XXXX, New Mexico. I put my account with them on Auto pay. I received a phone call stating that my account was delinquent. I sent them a copy of the paperwork from the bank showing the payments were being made. I spoke with a supervisor from Conn 's who advised me they had lost the money for my account. They call me 6 or 9 times a day from different phone numbers. I 'm still paying on this account and I am being charged a late fee and they continue to call me even though once a month I have my bank send them money. XXXX code XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: KY

Complaint narrative:
I have two accounts showing in collections with a zero balance that are affecting my credit score. These are not valid accounts. I have tried to file a dispute to have them removed and I have tried speaking to a customer service rep as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-15 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: MARINER FINANCE, LLC
State: VA

Complaint narrative:
I took out a {$4000.00} loan from Mariner Finance on XX/XX/2017. Upon paying my first monthly payment of {$170.00}. Only {$50.00} was credited to my balance. I called and asked why. I spoke to XXXX at the office who is the Asst, Manager, he told me that I have a Per Diem of {$4.00} per day. Then Later said my Per Diem was {$4.00} per. I asked him why was n't I informed of this and he stated that that 's how the company works. In total i was told that my loan of {$4000.00} was going to technically be paid dollar for dollar making my total owed to Mariner finance {$8400.00}. 
I was not informed of any of this, nor was i informed that I would be paying over {$8000.00} in the long run. 

Lastly, Mariner Finance put a life insurance policy on me and stated that they loaned me {$4500.00}. But the loan was on {$4000.00}.

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 2017-12-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HYUNDAI CAPITAL AMERICA
State: SC

Complaint narrative:
This loan was paid off with insurance and I have requested a paid out letter on the account 3 times. The representatives that handle the account when you call in are very rude and unhelpful. I requested another paid out statement on XXXX17 and again they are stating that they are mailing the letter out. I need to have a paid out letter to be able to prove that this account is paid out.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
Citibank would not accept a cash deposit of {$1000.00} on XXXX XXXX, 2017 to my sisters account in spite of my having her deposit slip with her account. She has been hospitalized the last 4 months. I was advised they do not accept cash deposit if depositor does not have an account with the bank. I was told to get a money order to accomplish the deposit.

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 2017-12-15 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: FL

Complaint narrative:
Loan was paid in full for an RV on XXXX XXXX, XXXX. As of XXXX XXXX, XXXX I still do not have a title or a signed letter from the company saying the loan was paid off. 

Every time I call, I get a different answer from their customer support. 
1. We have 14 days to get you the title.

2. We have 10-15 business days to get you the title.

3. You live in the state of Florida so the titles are electronic.

4. We mailed the title on XXXX XXXX. 
5. It does n't look like we filed the right paperwork to transfer the title. 

So I still do n't have a title.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
On XXXX/XXXX/XXXX, I requested my due date be changed to at least the XXXX of each month. I enrolled in a debt management company that would collect funds from my account on the XXXX of each month and distribute to the creditors I owed. I received confirmation on XXXX/XXXX/XXXX that the payment due date and cycle dates had been changed and my next payment due date would be XXXX/XXXX/XXXX. I had hoped my XXXX statement ( received on XXXX/XXXX/XXXX ) would reflect that my due date was at least XXXX/XXXX/XXXX, but it showed XXXX/XXXX/XXXX, which I knew would not be enough time for the debt management company to send payment on time, but I figured the account would be current by XXXX/XXXX/XXXX since by then they would have received at least 2 payments from the debt management company. 

On XXXX/XXXX/XXXX, I received a second billing statement with a payment due date of XXXX/XXXX/XXXX, despite having received a XXXX bill already on XXXX/XXXX/XXXX with a payment due date of XXXX/XXXX/XXXX. I contacted the company and they advised that because I changed my due date, it was normal to be billed 2 weeks later and have another payment due, despite being told my next payment would not be until XXXX. The company said there was nothing they could do as there were no fees to waive. I let them know I would be filing a CFPB complaint because this does n't seem to be correct and they still did n't take any action. I have changed the due dates on nearly all of my cards to work with this debt management company, and this is the ONLY one that has issued a statement twice in one month. 

Because of how they double billed me in one month, my account is showing past due, which could jeopardize my standing in the debt management program and further negatively affect my credit. I should not have received a second bill in XXXX and this appears to be an error on their part that they are refusing to resolve. I have in writing what the next bill date will be and when my cycle would end from the representative who adjusted my due date and they refuse to honor it. This was stated by the second representative I talked to because the first assured me that my account was n't even past due- despite me clearly seeing online that the account was past due. It was only after I pushed her to review my account that she eventually escalated me to another representative. I know this is an unusual situation but I do n't think they fully understand what is happening and the billing error on their side.

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 2017-12-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
I XXXX XXXX filed an possession complaint against XXXX  XXXX in 46th district   court a hearing held Wednesday. He produced what appeared to be fraudulent purchase agreement and closing papers. Lied for the second time and claim he never seen me until as he claims bought the house in XX/XX/2009and he do n't know XXXX XXXX the realtor of XXXX XXXX. Was accompanied with his true wife a old lady not his daughter XXXX XXXX listed on the deed. 
Do your chase research department show a credit sale of XXXX to XXXX XXXX to XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX, oh by XXXX XXXX and his daughter XXXX XXXX XX/XX/2008, XXXX illegal immigrants?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
There are many mistakes appear in my report without my understanding.

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 2017-12-15 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: GLA Collection Company, Inc.
State: KY

Complaint narrative:
GLA is constantly breaking the law in attempt to collect debt. They are illegally obtained my medical notes, and XXXX XXXX illegally released medical notes without my consent. I sent numerous certified letters asking for GLA to contact me in which no one has. 

No agreement with your client that grants you the authority to collect on this alleged debt, or proof of acquisition by purchase or assignment, and authorization under subtitle D of the ARRA, SEC. 13401. APPLICATION OF SECURITY PROVISIONS AND PENALTIES TO BUSINESS ASSOCIATES OF COVERED ENTITIES ; and SEC. 13407 ( 1 ) BREACH OF SECURITY was sent to me. 

The term breach of security means, with respect to unsecured PHR identifiable health information of an individual in a personal health record, acquisition of such information without the authorization of the individual. 

Please note that enforcement of penalties against you is covered under the penalty rules of the Omnibus Final Rule effective XXXX/XXXX/XXXX interpreting and implementing various provisions of the Health Information Technology for Economic and Clinical Health Act of 2009 ( HITECH Act ) as issued XXXX/XXXX/XXXX and the penalty rules of the FCRA and FACTA including FACT Act changes final rules effective XXXX XXXX, XXXX. 


Nothing that bears the signature of the alleged debtor wherein he or she agreed to pay the creditor and as this is a medical account a copy of any HIPAA authorization was sent to me.

I requested that GLA cease and desist any and all collection activities, including reporting of ; or verifying of this account on my credit reports. In which they never replied and I know they received my disputes as it was sent certified mail. 



In the event of noncompliance, I reserve the right to file charges and/ or complaints with the OCR on your HIPAA violations and appropriate County, State & Federal authorities, the CFPB , BBB and State Bar associations for violations of the FDCPA, FCRA, and Federal and State statutes on illegal collection activities on any account that may be time-barred as well as in violation of Kentucky medical privacy rules. 
I also hereby reserve my right to take private civil action against you to recover damages.

Company response to consumer: Closed with explanation