vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-10-14 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: General Motors Financial Company, Inc.
State: OH

Complaint narrative:
I obtained a loan with GM Financial in XX/XX/XXXX for over XXXX. On XXXX XXXX, the car was totaled. My insurance company received a payoff in the amount of approximately XXXX. They offered {$14000.00} which was credited to my account on XX/XX/XXXX. 
I was past due in my payments and an amount of {$1500.00} would have brought me current on XXXX XXXX. We are now in XXXX and I checked my account which stated I am still past due with a total amount due of {$1500.00}. I have spoken to numerous " agents '', all who have told me that I am still past due because the monies received came from a XXXX party and not me. I raised numerous scenerios, all which irritate the " agents '' more at which one in particular ( XXXX, agent XXXX ) told me the real reason why she is not going to work with me about my concern is because my account is coded as a do not contact and I ask too many questions and I have a " harsh tone ''. These are the questions I asked:1. SO if the check came from an uncle I would be considered late? 
- no because he is not a company2. If the check was for the full amount would the late fees be returned to XXXX and I will still be responsible for the late fees? 
- no ( no reson was given, it was at this point they begin to argue with the terms of my agreement ) 3. If I received the monies from XXXX XXXX and sent the payment myself then would I still be considered late? 
- no, because we got the money from you. 

Here I am, unable to get a car because this company wants to be retaliatary and continue to code me as past due. Agent XXXX stated he can not give me anything in writing regarding how they process payments because there is not one available, and other agents have said things from, call an attorney, we already spoke to you about this, or wanting to argue that I still owe because the full amount was not received, which was not the issue in the first place. The issue is how can I continue to be past due on a loan that had a minimum payment due of {$1500.00} but they received payment of {$14000.00}?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-29 00:00:00
Product: Consumer Loan — Title loan
Issue: Lender repossessed or sold the vehicle — 
Company: Simple Cash Loans, Inc.,
State: CA

Complaint narrative:
I got my husbands car impounded by police, car had 30 day hold on it. I went to XXXX for XXXX. When I got out in 3 days found out husband was XXXX. Next day my husband passed away. We had a title loan him borrower, me co signer. I called company told them everything. They said they would get car out and I would have to pay fees to get it back. We talked the whole month. They sold car behind my back.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-04-08 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: CO

Complaint narrative:
I 'm in a 30 year fixed rate loan with Nationstar mortgage. For the last few years the payments have been relatively similar. Suddenly my statement indicates that my monthly payment will be going up by almost {$400.00} per month. I called them to see if I could get some explanation and was told that my escrow was short due to an increase in my property taxes or insurance. I asked them to tell me what had gone up and was told I would be transferred to the escrow department. I waited on hold for 45 minutes to an hour and just got the same recorded message over and over ; " they are experiencing a high volume of calls at this time, please continue to hold ''. I believe I was deliberately blown off so that I would hang up in frustration as it appears there are many people who have had a similar experience with Nationstar. I just want to talk to somebody in the escrow department to find out the reason for the sudden increase in my monthly payment, and to talk about other options for my home owners insurance ( if it turns out that this is the reason, as I suspect it is ), but I do not feel that they are being honest with me. I find it ironic that while I was on " hold " with the escrow department and never able to talk to anyone, Nationstar was still able to leave an automated message on my cell phone to let me know that they " urgently need to talk to me about my account ''. I would really appreciate any help I can get to deal with these clowns.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-09 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Trident Asset Management, L.L.C.
State: NJ

Complaint narrative:
Trident Asset Management is reporting a collection on my credit reports with multiple errors that are a violation of the Fair Credit Reporting Act and needs to be deleted. 

1. On XXXX they are listing this account type as " open '' when it should be a collection. 

2. On XXXX, they are reporting an address of XXXX, XXXX, GA XXXX when that address is no where on their website or BBB profile. How can they have different address on each report? XXXX shows the address of XXXX, XXXX, GA XXXX which is on their website. 

3. They never sent me anything such as a bill of sale, or any letters from the XXXX saying they can collect this debt. 

4. It does n't look like they did on investigation on this account at all because the date of status on XXXX is XX/XX/2014.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-18 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: TrueAccord Corp.
State: CA

Complaint narrative:
I received a letter from TrueAccord, dated XXXX XXXX, 2016, attempting to collect a debt from a short term loan company named XXXX. XXXX appears to be either owned or associated with an online lender by the name of the XXXX ( XXXX ). Both entities appear to be managed by XXXX : XXXX references XXXX Tribal Complaint Hotline ; XXXX references the XXXX. According to TrueAccord, the loan in question was made to a person unknown to me, named XXXX, who used my credit details to obtain the loan. I am not sure if XXXX Tribal Councils are under the authority of the FTC since they are legally considered sovereign nations. But if they are I would like to report an improper loan process. Had either of the original loan makers or the debt collector bothered to inquire with any of the credit reporting agencies, they would have discovered I have a credit freeze on all of my accounts, which requires that lenders check with the major credit reporting agencies as well as to directly speak to me before approving a loan. I received no such call from the lender and the credit reporting agencies say that no such inquiry was made.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-13 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
I have a business account with Chase and since last year around XX/XX/2015 I have been getting charged service fees. Around the same time in XX/XX/2015 I closed a savings account with Chase and since then I am getting all sort of fees. I called once customer service and they explained to me that I was getting charged since I closed the savings with them and I explained that the rep who helped me to close the savings account at the local branch in XXXX and XXXX never advised me of the fees I was going to incur by closing this savings account. The agent was able to refund all the fees at that time and told me was going to place a note on the account to avoid future fees from the bank. I am still getting charged {$14.00} a month. I tried to get the fees refunded again by talking to the branch manager at the location in XXXX and XXXX but he refused and was really rude. I have also requested a new debit card because mine was about to expire and I got charged {$5.00} for a replacement card. This bank owes me XXXX monthly fees in the amount of {$14.00} and {$5.00} for the card replaced which nobody advised me of.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-05-05 00:00:00
Product: Credit card — 
Issue: Late fee — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
We pay Bank of America {$500.00} every XXXX weeks ( XXXX times per year ) automatically. The total amount due per month continues to vary right around the {$500.00} level. So now they have changed our minimum to {$550.00} total per month and are saying we are being penalized for not paying enough even though we pay well above the minimum monthly fee. Plus they changed our due date so we get another penalty. 

So net we pay {$1000.00} per month yet we get dinged even though we only owe roughly {$450.00} to {$550.00} per month.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-02-02 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
3 times XXXX has not pulled a planned scheduled payment out of my bank account. They blame my bank or say they " have no idea what happened '' then instead of trying to process the monthly federal school loan payment again, they defer my loan. Creating higher interest. This has happened to me 3 times, and to my mother twice. They act clueless when you ask questions and tell you they have no idea where my bank account info is or the payment bank info for my account has disappeared all together. This is a SCAM. And I will Not tolerate it.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-02 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC.
State: OH

Complaint narrative:
I have been battling with XXXX and Navient since 2012 about a misapplied forbearance that caused me XXXX late payments on my credit report. Even though I have never missed a payment, my disputes have always fallen on deaf ears. I even truly feel that the XXXX employee who initially made the error might have been negligent on purpose. 

The delinquencies are XXXX Signature Student Loans, which were reported delinquent in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/2012. The actual occurrences of the delinquencies were in XX/XX/XXXX, XX/XX/XXXX and XX/XX/2012. That is the first error. The second error is that the forbearance was to be applied to the starting in XX/XX/XXXX so the account would be brought current. This should have eliminated the chance of account delinquency. I would have, and should have, been been enrolled in the program without any credit bureau reports. The reduced rate repayment plan began in XX/XX/2012, which was paid as of XX/XX/2012, on my account history. The forbearance and repayment plan were a huge repayment triumph for me since my previous dues were so high I could not afford them, and then they were dropped significantly. But now, because of the forbearance error, these XXXX Signature Student Loans ( each showing three months late ) equate to XXXX delinquencies/late payments on my credit report. They have affected my credit score so badly that I can not even qualify for new school loans if I choose to go back to school. This is true, even though I have dedicated myself to loan repayment in full and have prioritized XXXX/Navient above all other responsibilities. No certified letter has done any justice. Attached is the original certified letter which is nearly what I 've expressed here in the complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-03 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Dear Sir or Madam : On XXXX my wife and I took a mortgage with XXXX. On XXXX XXXX, XXXX XXXX assigned the mortgage to XXXX . On XXXX XXXX, XXXX XXXX assigned the Mortgage to XXXX. However, XXXX did not notify the County Clerk 's office of this assignment. Currently, XXXX is part of XXXX and XXXX is part of Bank of America. According to the County Clerk 's Office, the assignment of XXXX to XXXX first needs to be recorded, and then a lien release ( letter of satisfaction ) needs to be issued. According to XXXX ( please see file # 6 ) Bank of America will be the party responsible for both actions. Please note that we have contacted Bank of America over the telephone regarding this issue, but they insist that the party responsible is XXXX. We are in dire straights and need to clear this matter with the County Clerk 's Office in order to secure a loan to pay for my daughter 's college tuition. Your help will be greatly appreciated. Please see all relevant documents attached. 
Sincerely, XXXX and XXXX 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 non-monetary relief
Consumer complaint received 2015-08-12 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: OH

Complaint narrative:
I have been off work sick for over 2 years and we got local provider to help us out and they have almost XXXX dollars to give to catch us up on our mortgage. We have had the money sitting since XX/XX/XXXX, our account would have been current since then if anyone were able to do their job correctly! 
we and the person with the money has tried to no avail to get someone to send a XXXX to them so they can release the money no one seems to know how to do their job and all I 'm doing is being put on hold and switched around from person to person. 
no matter which XXXX XXXX or XXXX number they give me it directs me back to my loan specialist who is out of town on vacation for a week and when the week is up so are the funds that were given because no one knows what is going on at wells fargo and we can not get ahold of anyone at america 's servicing company.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-31 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
on XXXX XXXX 2015 and letter was sent out from XXXX about a debt with capital one they said i owe, i received the paperwork around XXXX XXXX 2015 i did reply to say that the debt was paid for in bankruptcy ..but i never heard any thing else from them, they did n't say well ok or anything they just tryed to sever me in XXXX with paper work but i was never home, not until XXXX this year that had tacted on my door..and i found out they been trying to serve me since last XXXX, so they did try to validate the debt, from the paper work they serve me with, they had already got and affidavit sign on XXXX XXXX 2015 from the time they sent me the letter that i got XXXX XXXX, then i had to response back to them, they did n't even take 30 days to validate the debt i wounded had until the XXXX to response, had i not, but i did response right back and they ignore my letter, and i thought they where to stop collecting until they validate the date and send me some kind of correspondence, in stead they where getting affidavit to attached to the court papers, i never heard back from them, then i asked where they debt collector when i was in court last week, they said they where employee by capital one, but i said the paper work said you are debt collector attempting to collect a debt, they are lying about there identity i hope you can help me get to the bottom of this

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-06 00:00:00
Product: Credit card — 
Issue: Late fee — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: UT

Complaint narrative:
I have a Capital One Credit card that has a XXXX balance on it. Capital One charged a {$59.00} annually card fee without sending me a statement. I never received a statement and was not aware of a payment being due, since the card has a XXXX balance. Capital One charged a late fee and and report a XXXX day late to the credit bureaus.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-01-24 00:00:00
Product: Debt collection — Auto
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
USAA WAS PAID FOR BALANCE DUE, ON MY XXXX XXXX XXXX. THE VEHICLE WAS INVOLVED IN A TOTAL LOSS COLLISION, XX/XX/2012. A CHECK TO USAA WAS ISSUED BY MY INSURANCE COMPANY, XXXX XXXX. THIS LOAN WAS NOT WRITTEN OFF!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-30 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: BARCLAYS BANK DELAWARE
State: DC

Complaint narrative:
There are fraudulant charges on my Barclays Bank credit card from XXXX : XXXX XXXXthey were never charged by me or my familyBarclays bank claims that they will look into itthey never looked into it and wo n't credit my money backthis month a similar chage has comeI ca n't get my money back

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-02-28 00:00:00
Product: Credit card — 
Issue: Other fee — 
Company: BARCLAYS BANK DELAWARE
State: MA

Complaint narrative:
Was a happy XXXX card member for years, in late XX/XX/2016 XXXX converted the card portfolio to Barclaycard ( XXXX ). We almost never carry a balance over, but we started to in XX/XX/XXXX and Barclay has been overcharging the interest expense every month. Instead of charging interest on the carried balance they charged it on the entire average balance. So if we charged {$3000.00} last month and carried {$3000.00} from previous months then they charged us 15 % of the {$6000.00} = {$75.00}, should have been {$37.00} in interest charges. They are double dipping, getting the interchange fee ( 1.5 % of purchase, equal to an 18 % apr ), plus they are getting the interest on the purchases at 15 %, that is the equivalent of an 33 % interest charge. 
I feel this practice is very unethical, if not illegal. We converted, not by our choice, from XXXX to Barclaycard MasterCard, so if we leave we lose all the points we acquired in previous years. Completely unfair and is why the big financials have the hated reputation they have now. Hope you folks over there can investigate.

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 2017-03-19 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
In XXXX, 2016 I prepaid to XXXX for 1 year personal training using my XXXX credit card which was issued by XXXX. Later that month, Barclay took over the XXXX card and the total ( XXXX ) was paid to Barclay. In XX/XX/XXXX, the personal training company ceased operation - they disappeared from my location, but are still in business elsewhere. I initiated a dispute for the approximate remaining {$1300.00} with Barclay and received a form letter dated XXXX, 2016 ( here attached ) responding to the disputed charge, and stating that I should allow 60 days for them to pursue the issue with the merchant. I have contacted them over 25 times - have spoken to " supervisors '' and have been told that my case has been highly " escalated '' to the " Bank ''. They do not allow communication with any higher ups, and after 9 months, there is absolutely no resolution in sight. They tell me that the situation is complicated as the charge was made when the card was with XXXX, but I have no recourse with XXXX, as it is now Barclay. This should not be my problem - the XXXX companies should work this out. I paid Barclay as evidenced on the attached credit card bill. 
This treatment of a loyal customer is outrageous. I need help dealing with this disaster!

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 2016-12-23 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: Credit Protection Association, L.P.
State: IL

Complaint narrative:
I received a collection notice from Credit Protection Association L.P. for a debt / service I never signed on for. The alleged original creditor is XXXX for the amount of {$550.00}. However, my electric provider is XXXX and my gas provider is XXXX and I have been making monthly payments to both continuously for the past several years. I have never entered into any agreement with XXXX. I do not entertain solicitation notices either by mail, person, or telephone. When I logged on to the XXXX site, the request a dispute link leads to a server error and does not allow you do take any action.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-12 00:00:00
Product: Credit card — 
Issue: Credit determination — 
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
Banamex /USA . This company refuses to handle my written responses. I have not communicated through EMAIL pertaining to this matter since reporting it.

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