vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-05-23 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: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
i contacted Ally Financial to get information on the payoff and release of title once it 's been paid off to be sure that I would not have any issues shipping the Vehicle to  XXXX   XXXX  since I am moving on  XXXX   XXXX   XXXX  the vehicle needed to be registered with the port to be ready for Transport on  XXXX / XXXX /  XXXX  . The customer representative assured me there would be no issue because the titles are electronic. I paid the vehicle off and the money left my account on  XXXX / XXXX /  XXXX  . I went to motor vehicle and they advised me I still did not own the vehicle that there was still a lien on it. So i contacted Ally and they decided to then advise me that the lien would be there till  XXXX / XXXX /  XXXX  . That would be a Sunday so I would have to give motor vehicle  XXXX  to  XXXX  hrs to be able to give me the title for a vehicle to which they have already been paid. They also had the audacity to tell me I technically did n't own the vehicle even though they received the payoff for this vehicle. So I handed a financial institution over  XXXX   XXXX  dollars and they decide when I will legally own the vehicle which is everything I was trying to avoid seeing as I am in the middle of a large move with  XXXX  young kids. I may even have to pay to change all the plane tickets then pay extra for the hotel i am staying at and also change the closing date of the home we are purchasing in  XXXX   XXXX  all due t o Ally Financial n ot wanting to release the lean on the vehicle that I paid them. I could have easily voluntarily given them the vehicle and paid for another mini van cash and have no issues but that would have affected my credit negatively, even though this option would have probably cost me less and been less hassle. No matter how many questions are asked, I feel that no one would have told me the exact details just to get their money. No one should have to go through any of this and I feel like if I ever purchase another vehicle in the future this would be a question i would need to ask the bank although I may not get a straight answer. Customer service reps as well as sales agents should be required by law to describe such fine details as to prevent such things from happening and stronger laws should be in place to protect things as such from happening. No matter whom I spoke with at  Ally Financial n o one was even willing to show proof of title release or that I even paid the full amount. Not to mention when I log in online it shows I need to make a payment in  XXXX , even thought the balance is zero.

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 2017-05-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Santander Consumer USA Holdings Inc.
State: MS

Complaint narrative:
I,  XXXX   XXXX , of  XXXX   XXXX   XXXX ,  XXXX ,  XXXX   XXXX , purchased a vehicle in  XXXX   XXXX  and santander consumer financed it. I got behind in  XXXX   XXXX ,  XXXX   XXXX , and  XXXX   XXXX . We did an extension and put those payments on the back of the loan. We agreed to remove the late payments for those months since they had been added to the remainder of the loan. All of the other late payments, there was no such agreement, therefore, they are not included, nor am i disputing. I simply want them to do what they agreed to. I have called several times and have been told, they were unable to assist me. I have written numerous letters with no response. Please advise.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: OR

Complaint narrative:
XXXX / XXXX / XXXX ,  XXXX / XXXX / XXXX  &  XXXX / XXXX / XXXX  Are just a few of the dates I 've sent Letters of Dispute to Ocwen/ XXXX   XXXX  re : Disputes on several Descriptions on Payoff Quotes. I 've provide d Proof of Payments from my Online ban king with  XXXX  and still had to pay the disputed amounts on  XXXX / XXXX / XXXX  to clear title and close home without going into  Breach of Contract for  not closing on time.     The amounts disputed are on the  XXXX   XXXX   XXXX   XXXX   Seller 's Statement : {$3900.00} owed for interest, which, again, I provided Proof of Payments, Escrow advance of {$340.00}, {$600.00} Projected Property Inspection fee, {$270.00} Proof of Claim and adjust double charge on Ocwen paying Property Taxes thru  XXXX / XXXX / XXXX  and closing occurred on  XXXX / XXXX / XXXX  and title company collected for  XXXX / XXXX / XXXX  to  XXXX / 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 explanation
Consumer complaint received 2017-05-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Capi tal One filed a lawsuit against me in  XXXX  for a debt that was not incurred in  XXXX . They also sued for an amount much higher than I actually owed. Once I got an attorney to defend myself, they dropped the suit but are still reporting this incorrect amount of debt on my credit report. I asked Capital One during the lawsuit to provide proof that the debt was valid and the amount was valid, but they never provide d anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-23 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: U.S. BANCORP
State: MD

Complaint narrative:
Received a prepaid debit card as gift and used it in the past. Was supposed to have a balance of {$3.00}. Says to use  XXXX  to check balance. When using web site does not access account info. There is no phone number on the card. Web site shows  XXXX   XXXX   XXXX   XXXX  as number. After calling agent said card is 'purged '. Asked company name, responded with  XXXX   XXXX  '. Asked full name of company, would not answer, even simple questions as whether it wa s Inc, cor respondence address for legal dept, etc.   Back of card has  " U.S. Bank National Association '' printed.

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 2017-05-23 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Financial Corporation of America
State: TX

Complaint narrative:
My name is   XXXX   XXXX   and the debt I incurred with   XXXX   XXXX   was discharged through my Chapter  XXXX  bankruptcy  XX/XX/XXXX . My attorney 's office  XXXX   XXXX  contacted the billing Supervisor at   XXXX   XXXX   and she in turn told him the account was flagged and no more phone calls would be made. Well the account was sold to Financial Corporation of America now they are sending me letters threatening to put this old discharged amount on my credit report. I called on  XX/XX/XXXX  and spoke to a  XXXX  gave her my attorney 's information and asked her do not call or send me anymore letters or try to put this on my credit report. Please contact Financial Corporation of America  XXXX  and ask then to STOP harassing me about a debt that has been legall y discharged. I have all emails as proof, I also have my petition paperwor k from my attorney and the discharge if needed.     Thank You,

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 2017-05-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: AZ

Complaint narrative:
I have  two  consolidation loans with navient. I have been paying for  25plus ye ars. I did not authorize my student loans to be consolidated and yet they were in  XXXX . They are done in  XXXX . However, I have paid over twice the loan amount originally in interest when I could have been done with my loans years ago. I have tried to reach navient and can not get a person to answer a phone call. This is not right or fair.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX  gave me transunion, and then failed to give me  XXXX  or  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
Consumer complaint received 2017-05-23 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Sunset Management, Inc
State: SC

Complaint narrative:
On  XXXX / XXXX /   2017  I contacte d Sunset Finance o n  XXXX   XXXX  in  XXXX  to apply for a loan over the phone. I spoke with and.  XXXX  who asked whom I was and put me on hold. She came back on the line and stated that " he '' said I could not get a loan with them. She did not take my application or anything. How can u deny me before completing an application?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-23 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The Phoenix Recovery Group
State: TX

Complaint narrative:
Phoenix Recovery Group was sold some debt that they claim is from a medical provider. Once Phoenix co ntacted me about the debt, I asked for verification I have the debt from them. I never received it. I contacted then again over 30 days later, and at that point the y sent one illegi ble piece of paper. When I complained, they said that Texas did not require them to provide proof of service.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-23 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: SECURITY FINANCE CORP
State: GA

Complaint narrative:
I have been receiving calls after telling t he manager I a m trying to file bankruptcy and she will not stop calling me it has caused me to lose a job and my mined I have not been able to get the money for a lawyer because I lost my job I do start a new job  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 explanation
Consumer complaint received 2017-05-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am filing this complaint against Equifax for reportin g four  accounts on my credit report that do not belong to me. They were all opened in   XXXX   and they appear to be medical related debts. What I do n't understand is that they are only being reported on Equifax at this time. There is n't even a name to identify where they are coming from!     I am attaching a section from a recent report which shows how only Equifax is reporting them to my credit. The first account has an account number of  XXXX  with a balance of {$870.00}. The second account has an account number of  XXXX  with a balance of {$1200.00}. The third account has an account number of  XXXX  with a balance of {$4800.00}. The fourth account has an account number of  XXXX  with a balance of {$1000.00}.     According to the notes on my report, they are coming from someone else 's overdue hospital bills but they keep getting placed on my credit! Where and how is Equifax coming to the conclusion that they belong to me?     They are compromising my personal information by reporting someone else 's accounts on my credit and the worst part is that they are refusing to remove them because they are concluding that they belong to me. This can not be possible. The credit reporting agencies have reported other persons ' accounts on my credit before just because we have a similar name. This is what is happening now and I suffering unjustly because of it.     To this date, nothing has been done to properly substantiate and remove these accounts from my credit. I am in the process of filing a police report to help address this issue because I am not responsible for any of these debts.     This is a request for validation and supporting documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-23 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Despite paying off my balance in ful l, Macy 's  has charged a {$2.00} " minimum interest fee '' to my account every single month. In  XXXX , I got fed up and initiated a complaint with a  Macy 's repres entative,  XXXX . Within that communication,  XXXX  confirms that I paid my balance in full and that he will close my account, which he subsequently did. Despite that, on my next statement in  XXXX   ( after my account had already been paid in full and closed down ), I was char ged another {$2.00} fee. This is incredibly frustrating, and quite frankly dishonest, to keep charging interest on customers who have already paid off their balance, especially since it was confirmed by the issuing company. I doubt that I am the only  one imp acted by this and I encourage others to submit complaints as well.

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 2017-05-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: GOLD KEY CREDIT, INC.
State: GA

Complaint narrative:
I filed BANKRUPTCY  XXXX  the creditors was properly notified from my attorney and also  XXXX  and   XXXX   notified them I have documented emails from all  XXXX  parties, these creditors are still on my credit, they should have been removed

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 2017-05-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: OR

Complaint narrative:
On   XX/XX/XXXX   I filed a complaint  XXXX  about  Wells Fargo.  I sold my home on  XX/XX/XXXX  and was not provided with any breakdown regarding the payoff.     On   XXXX   XXXX   XXXX    Wells Fargo provid ed me with a breakdown for the mortgage payments starting in   XX/XX/XXXX  . The is a column called "  Unpaid Advance Balance  ''. In   XX/XX/XXXX   the amount started at  XXXX , at time of sale the amount was {$700.00}. They are deducting this amount from my payoff, however, they have given no explanation what this amount was for or why they would add this amount to my mortgage?     I called  XXXX   XXXX  at Wells Fargo to get an explanation to the charge, but they did not return my call. I called on Friday,   XX/XX/XXXX   at  XXXX   XXXX .     Thank you,  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 explanation
Consumer complaint received 2017-05-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Westlake Services, LLC
State: GA

Complaint narrative:
Loan amount on  XXXX   XXXX   Loan  amount on  XXXX  {$10000.00} total paid towards principal {$2200.00} total paid towards interest {$5400.00} in alm ost 2 yrs   and that 's with {$420.00} a month payments. To date I have paid {$8600.00} on this car.     Some of my payments went towards interest only, see attached itemized photo of my charges. I was trying to get my credit up and they are doing nothing but bringing it down! I was told that i could change the payment date to the date i needed and then it was changed to a date that is not good for me so i tried to change it back to original date and they wont. I am now always 3 days behind since they refuse to change my payment date to the  XXXX  and from the  XXXX !!!! They charge a $  7+ charge a d aily in addition to your APR in addition not just a late fee and that accrues interest of course.       I had a late payment and was trying to give them a credit card for a future dated payment that is 3 days past the day they want it and they refuse to work with me. Calls daily threatening to reposes for a {$130.00} late payment. They are rude and unwilling to help even 2 years in my loan.     You do the math this place is meant to milk you and steal from you. I 'm sure if they let me get to the end of the loan they will just find a way to reposes! ALL THEY WILL DO IS SAY TRY AND GET REFINANCED.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
I have disputed mul tiple Portfolio recovery acc ounts on my credit it was deleted and put back on my credit. I ask them to validate the debt with signature they havent provided me with no proof of this debt. This is the second time i reported to your company for violating. They have agreed to remove it from my credit report it has been a month nothing has happen.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: AES/PHEAA
State: FL

Complaint narrative:
XXXX   XXXX   XXXX   Received e-mail notification from : FedLoan Servicing   XXXX   XXXX   XXXX   XXXX   XXXX , PA  XXXX  regarding servicer message Account # :  XXXX , which stated : " As part of the Pay As You Earn  ( PAYE ) p lan, you are required to recertify annually, even if your income or family size has not changed. We needed this updated information to recalculate your monthly payment based on your income and family size.   Since we did not receive your complete annual documentation, your new payment amount is not based on your income and family size ; however, your loans will remain on the Pay As You Earn ( PAYE ) plan. Your new monthly payment of {$360.00} is first due on  XX/XX/XXXX .   If you want to have your payment amount recalculated based on your income and family size, apply online '' A message was in my inbox on   XXXX   XXXX   XXXX   but I had not received an e-mail notification, the message stated I would need to recertify by   XXXX   XXXX   XXXX   but the deadline had already passed ( before I had been e-mailed by the servicer ).   On   XXXX   XXXX   XXXX   I completed and submitted my recertification forms, and included my  XXXX  tax form copies, but I received a response it was incomplete and to please resubmit/ On   XXXX   XXXX   XXXX  , I resubmitted recertification forms, but included my most recent pay-stub from my employer.   I received notice from the servicer that my forms had been received and that I would receive a response within  10  business days.   Today is   XXXX   XXXX   and my checking account has been debited {$360.00}, which I can not afford ( I had been approved for a PAYE plan of $  XXXX  month  ). I have not yet received a response from my servicer regarding my latest recertification submission.   I have attempted for several days to postpone payments or stop the debits from my account ( through an option on the servicer 's website ), but I receive a message that I can not postpone the payment at this time, and that I can not delete my checking account from the servicer website without first putting another account from which debits can be made. I can not afford {$360.00}, and I will not be able to afford more than $  XXXX /month for the foreseeable future as my wages are not likely to increase, at my present job as an  XXXX  in a state college system -- and in fact -- I am lucky to have a job at all, since there are pending reductions in the state college system in Florida.     Please help -- I can not pay another month at this rate or I will go bankrupt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Debt Recovery Solutions, LLC
State: VA

Complaint narrative:
I submitted a complaint regarding this company within the past 6 months with your company, case file no. XXXX, this company stated via written response that they would remove the debt from my credit report with no further action or communication from them, that has not happened and now they are reporting this debt once again in addition to the previous amount they claim I owed. The original debt was with Debt Recovery XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX for {$670.00} that should have been removed, I have not opened any accounts or have any loans with this company, if it is a payday loan, it was included in my Chapter XXXX bankruptcy back in XXXX and that has been XXXX, all accounts I have recently opened are all in good standing, I am trying to rebuild my credit and have been doing an excellent job thus far. This company has now changed the name and issued yet another collection on my credit report under XXXX XXXX XXXX Virginia - XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX ( XXXX ) XXXX for the same amount of {$670.00}, this is not a coincidence, it is fraudulent and incorrect reporting. I would like this company investigated and I would like both of these debt collections removed from the credit reporting bureaus. Please assist me and help to rectify this situation, it 's very stressful having to deal with false transactions and fraudulent reporting on my credit. Thank you

Company response to consumer: Closed with explanation