vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-04-11 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: Cheek Law Offices, LLC
State: OH

Complaint narrative:
XXXX XXXX sued me to collect a debet and I just receveived notice today, XXXX XXXX, 2016. I have been trying to pay them for over 3 years, but they wo n't accept any payment terms accept payment in full or {$700.00} a month which I can not afford. I was paying on the account continuously until I lost my job at which time, I was paying, but below the monthly minium. They sent me to collections despite the fact I was actually making payments. When I ceased making payments due to lack of employment, they would not work with me to set up agreeable payment arrangements. They even shut off my online access so I could n't make any payments. How can I pay if you wo n't let me pay? Ridiculous. I then put the account in a debt management plan, which the ignored and still sued me. I was not made aware of this was happening. Every attempt I have made to pay they have ignored and/or said it was not enough. Seems to me something is better than nothing. Then to sue me without me being notified is disgusting. XXXX XXXX is a terrible company that is perfectly happy with ruining your character and credit. They wo n't work with you at all. Everyone warned me about getting a credit card from them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-31 00:00:00
Product: Payday loan — 
Issue: Can't contact lender — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: NE

Complaint narrative:
Recived email stating I will have to go to disrtict court and must pay now or recive a {$5000.00} law suit.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-12 00:00:00
Product: Other financial service — Debt settlement
Issue: Excessive fees — 
Company: GLOBAL CLIENT SOLUTIONS, LLC
State: MA

Complaint narrative:
I went into an agreement with Global Client Solutions to settle XXXX outstanding credit card debts however I did not realize that they would be only responsible for passing off the debt to a Law Firm while both companies would be collecting separate fees upfront. I expected to pay a fee for any service but ended up paying {$510.00} for an entire year before my XXXX settlement was reached and at which time I had to come up with {$1100.00} to enter the agreement with the creditor. They take the fees upfront before any settlement is reached which in turn makes a difficult situation even harder. They promised that they would settle the debt for XXXX % or less of the original amount however my XXXX settlement was actually XXXX % of the original amount which by then is equivalent to me paying the full amount only difference being I payed the other XXXX % in fees split between Global Client Services and XXXX XXXX XXXX. They did settle the XXXX of my XXXX cards for XXXX % of the original amount which is the only success story from this experience but they arrange things strategically so that they only do it at the end of month after they take their fees even though I wanted to settle earlier to avoid excessive fees. Its all set in their favor so they get as much fee from the client as possible. I was also charged Pay-By-Phone Fees by their partner company XXXX XXXX XXXX every time they arranged a settlement with the company representing my creditor. I was also charged a one time Non-Refundable Legal Deposit of {$500.00} the very first month.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-09 00:00:00
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Judgment against me I was not served

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-29 00:00:00
Product: Consumer Loan — Pawn loan
Issue: Charged fees or interest I didn't expect — 
Company: Cash Time Title Loans, Inc.
State: AZ

Complaint narrative:
i pay {$36.00} every 2 weeks for a {$300.00} title loan. Last month i called them and asked them to make the due date on my pay days instead of the opposite. they said its ok and i even made an extra payment to put it ahead. NOW they say i was late on a payment so the interest rate changes to around % 800 for the remainder of the loan. I made a couple payments and noticed my balance after paying them {$210.00} in payments, my balance was {$260.00}. they said its going to be {$280.00} next week after another {$36.00} payment. They said because i was late the balance will continue to go up after making {$72.00} payments per month. 800 % interest? really?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-03-19 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: CA

Complaint narrative:
XXXX was submitted XX/XX/XXXX. At the time I submitted this complaint, I had dealt with Rushmore Mortgage directly endeavoring to get them to stop the continuous daily calls I was receiving trying to collect on a mortgage for which I was not responsible due to bankruptcy. They denied having knowledge of the bankruptcy, even though I had spoken with them about it repeatedly and had written them repeatedly referencing the bankruptcy requesting them to cease the pursuit, they continued to do so. When they were unable to trick me into paying, force me into paying in retaliation they placed reported to my credit bureaus a past due mortgage amount that had been discharged in Federal Court. On XX/XX/XXXX Rushmore responded the referenced complaint indicating that they would remove the reporting from my bureau, yet it is still there now in XX/XX/XXXX. I would like them to remove it immediately and send me a letter indicating that it should not have been there in the first place and they are going to remove it from all my bureaus. Rushmore, when speaking to me, represented themselves as the new note holder, but when CFPB was involved, they identified themselves as the servicing agency for XXXX XXXX XXXX. This credit bullying and racial discrimination practices is damaging to anyone who is exposed to these tactics and this needs to stop. Them denying their intent and then walking away with no penalties of any kind is one of the reasons it continues. Please assist me in procuring the resolution once and for all.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-28 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Special Financing Company, LLC
State: OR

Complaint narrative:
when I signed up for the loan in XXXX/XXXX/XXXX I agreed to auto pay. Earlier this year I experienced financial hardship from losing my job. I requested that auto pay be cancelled, the lender refused to do so and took and unauthorized payment from my account in XXXX. I called and they then cancelled it after it over drafted my account by over {$400.00} I had to pay those over draft fees. 

on XXXX/XXXX/XXXX they took another unauthorized payment from my account for XXXX I requested it be refunded they refused and told me to send a cease and desist letter, I requested to speak to a manager the person I spoke with refused to let me speak to someone else and asked me to call back at a later time and hung up on me. 

I had to call my bank and block them and they 're closing that account I have to wait 10 days for a new card and because the transaction is still pending I have to wait for it post before I can get a refund which will take a total of 12 days, therefore I am out of the money for nearly two weeks. The lender refuses to refund the payment. 

when I originated the loan I was told it would help build my credit after I go the loan Special Financing Company told me they will not report to the credit bureaus I was lied to, I have received multiple calls from them in some cases back to back my calls records can prove that. I have lost several hundreds of dollars dealing with this company. 

in the year and a half I have had this loan I 've never once received a statement, if you request a copy of my call records with them I have made multiple requests which they have not honored

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-11 00:00:00
Product: Debt collection — Mortgage
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Dyck-O'Neal, Inc.
State: CO

Complaint narrative:
I negotiated a debt settlement arrangement directly with the debt collector. I took their enticing offer while I was already making on time monthly payment to that same debt collector. I paid the full one time payment requested at the time. Paid in full the amount offer proposed and arranged by the debt collector. And find out that they reported me to the credit bureaus negatively for paid less in full well I actually paid in FULL my debt under their enticing offer! AT NO TIME, they reported to me that they would report this negatively to the credit bureaus otherwise I would have refused and kept my monthly payment. They should have reported this as paid in full! Or disclosed their bad intentions against me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-10 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: General Motors Financial Company, Inc.
State: GA

Complaint narrative:
On XXXX XXXX 2016, I received an online offer for GM Financial 's deferment program. I was approved for the program that would defer payments for XXXX 2016 and XXXX 2016, and apply them on the end of the loan. This would allow my account to remain in a positive status. I was advised that interest would continue to accrue, but the late fees would be waived. I accepted GM Financial ( GMF ) offer and agreed to pay a processing fee of {$270.00} by XXXX/XXXX/16. I paid the processing fee as agreed by the due date. I was approved for the deferment when my account was 28 days past due. However, GMF reported my account as 30 days past due status to XXXX. I contacted GMF on XXXX/XXXX/16 and spoke with " XXXX '' who advised me that this was impossible, as GMF has n't reported any updated account information to XXXX. Nevertheless, I disputed the late payment with Equifax on XXXX/XXXX/16 and XXXX/XXXX/16. The following is a timeline of GMF payment status changes to XXXX : XXXX GMF reported my account as " not more than two payments past due '' XXXX GMF reported my account as " Pays as agreed '' XXXX GMF reported my account as " not more than two payments past due '' XXXX GMF reported my account as " Pays as agreed '' XXXX GMF reported my account as " 30-59 days past due '' My account is being reported as 30-60 days late with XXXX and XXXX as well. I have disputed the error with them, but my account continues to fluctuate between a positive and negative status similar to XXXX. 

I have contacted GMF on the following dates regarding this issue : XXXX/XXXX/16 XXXX/XXXX/16 XXXX/XXXX/16 XXXX/XXXX/16 Each time, I have spoken with a different representative, each claiming my account is not being reported late. I received GMF " credit-reporting letter '' XXXX/XXXX/16. However, the account was still being reported as negative. Thus, I submitted a complaint to GMF complaint department five days later requesting the error be corrected and I be forwarded documentation regarding its resolution for my records. I have not received a response. The account remains incorrect. 
I am extremely frustrated with this process. I am unable to reach a resolution by calling, writing, or disputing. I am disappointed none of the GMF customer service representatives took the initiative to take ownership to correct the issue. I have not been 30-60 days past due as the deferment was approved prior to my account being 30 days past due. Any assistance would be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: AES/PHEAA
State: MN

Complaint narrative:
I have challenges with receiving a response or appropriate action from FedLoan Servicing every time I submit a request. I submitted my XXXX XXXX XXXX XXXX application three separate times. Only once did I receive a denial and guidance on what I need to change. I called yesterday for my application submitted on XXXX. The staff stated my application was denied again because my employer did not initial the box. The staff reported they called my employer and did not receive a response. However, there are no directions which state the box needs to be initialed. XXXX at my employer reported that she did not receive a call and is great at responding to all requests she receives. FedLoan Servicing did not inform me of any of this. I do not understand how to have FedLoan Servicing process my application and give me credit towards the forgiveness program. I have been working on this for over six months. I need to apply to have my employer cover my loans and I am nervous I will lose that benefit if my servicer can not provide the appropriate documentation as it took over two months for them to respond to my request and several calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-20 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
Letter from XXXX in response to identity theft : XXXX XXXX XXXX XXXX XXXX, IN XXXX Number : XXXX XXXX XXXX, Thank you for contacting XXXX XXXX. It was my pleasure to have assisted you in completing your case. 

An Extended 7 Year Fraud Victim Statement has been added to your credit report as of XXXX/XXXX/2015. This alert will encourage creditors to contact you before approving new applications. 

It is also suggested you report your identity theft case to the Federal Trade Commission. You may contact the Federal Trade Commission by calling XXXX or obtain more information on their website at http XXXX 

I have also attached fraud dispute letters for you to submit to Equifax and XXXX. Please review, sign, and include your full Social Security Number and Date of Birth at the bottom of each letter, along with a copy of a Police Report. Including a copy of the Police Report with the dispute letters is highly encouraged and suggested. You may also include an Email Address so that the credit bureaus can send the results of your investigations directly by email. 

We recommend sending your correspondence certified, return receipt, but you may also send it by regular U.S. Postal Mail to : EQUIFAXXXXX Information ServicesXXXX XXXX XXXX, GA XXXX Victim AssistanceXXXX XXXX, PA XXXX followed this advice and sent the following letter to Equifax along with copy of police report : Equifax Credit Information ServicesXXXX XXXX, GA XXXX Whom It May Concern : This is a follow up letter to the phone call I placed to XXXX XXXX XXXX regarding the fraudulent activity that is listed on my credit report. 

Fraudulent Inquiry : XXXX XXXX/XXXX/2015 - This is not my inquiry. This inquiry was applied for fraudulently by someone using my personal information without my knowledge or authorization. I have already contacted this company to alert them of this fraud. Please remove this from my report. 

Once the fraudulent information has been deleted, please send me a copy of my corrected credit report. If you have any questions I can be reached at ( XXXX ) XXXX. I look forward to hearing from you soon. 

Sincerely, XXXX XXXX XXXX XXXX XXXX, IN XXXX : XXXXXXXXXXXX : XXXXDOB : XXXX response to this was as follows : XXXX We have reviewed the inquiry information for XXXX. The results are : Inquiries are a factualrecord of file access. Should you have reason to believe this inquiry was unauthorized, Please contact the creditordirectly and follow their internal fraud procedures. If you have additional questions about this item please contact : XXXX, XXXX XXXX XXXX XXXX , XXXX XXXX, MN XXXX Phone : ( XXXX ) XXXX COMPLAINT : EQUIFAX DID NOT PROPERLY RESEARCH THIS INCIDENT OF IDENTITY THEFT AND DID NOT DELETE THIS FROM MY CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-13 00:00:00
Product: Credit card — 
Issue: Other fee — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XX/XX/2016, I applied Chase XXXX credit card, and got approved one day later. On XX/XX/2016, I was charged for {$450.00} annual fee for this credit card. On XX/XX/2016, my XXXX credit card was forcibly closed by Chase. However, before my credit card closure without giving any specific reason, at that time, I had't got a chance to make a single transaction. 

I tried to contact Chased to discuss how to refund my {$450.00} annual fee in early XXXX, since Chase will refund the annual fee if the account was closed within 30 days of the account opening date. ( It is only 18 days from XX/XX/2016 to XX/XX/2016, so it is eligible to receive the annual fee refund ) However, the representative answered my phone and rudely told me " ... we wo n't refund annual fee, even within the 30 days window, if the credit card was closed by the bank end ... ''. And he was in a very inpatient and unfriendly mood. I then still nicely asked if they have any rule or policy specifically stating this, he told me there is a rule on the card agreement, and when I handed out the agreement ask which rule it is, he only pointed out the rule indicating how they would charge the annual fee. I then felt like I was fooled, so I hung up and called again, different representative, and she said " there is a rule '', but when I asked which rule it is, she even failed to answer! So ridiculous! 

Later I went through the entire card agreement they sent me, and clearly there is NOT a rule says like " the annual fee wo n't be refunded if the credit card was closed by the bank end ''! These representatives lied on their own agreement! They ate my {$450.00} fee illegally on my unused credit card, and never wanted to return it! I can not believe this is how JP Morgan determines you are not a valued customer, closed all products they offered without giving any reason, and finally kept all the fee they should refund!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-10-15 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: RI

Complaint narrative:
My car was repossessed on XXXX XXXX, 2015 .I had made a payment via phone and the repossession company would not allow me to contact Infiniti to try to clarify this but took the car. Following discussion with Infiniti reinstatement department, I made an additional payment as they required on XXXX XXXX, 2015 which reinstated the loan. Because the car loan was in my husbands name, they stated that the car could only be released to him. XXXX In following future conversations they informed me that my husband could send them power of attorney. I downloaded a legal XXXX form and my husband faxed it .It had to be refaxed several times until it met the criteria for their legal dept. They would not advise us of the legal language they required, they would not allow us to speak to this legal dept. Each time there was 2-7 days between their receipt of the fax and response from the legal department. 
In the mean time without any notification to my husband, even though the loan had been reinstated, the car was moved out of state to auction. When I was finally able to determine that the legal dept had given permission for me to retrieve the car, I contacted XXXX XXXX XXXX and they said my car had been sent to auction. Finding out where the car was took another process, reaching them another process, XXXX XXXX informed me that my plate was no longer on the car and I could not pick up the car without a plate. No one knew where my plate was. I called Infiniti, they take no responsibility. Even though my loan had been reinstated, no one had put some " reference number " in the computer. At no time did anyone ask me for any reference number- my payment which was made via money gram was clearly recorded in their system. Their process is very malicious. I thought my husband had made a payment initially until I received a singular call from Infiniti XXXX on XXXX XXXX, 2015 and I made a payment on XXXX XXXX XXXX, 2015. Infiniti is not required to notify you of their intent to repossess, so you can rectify the problem. Their reinstatement department is very poor, they do not inform or explain or do anything to assist the customer. I explained to them several times that I have XXXX and XXXX so I am very ill.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-21 00:00:00
Product: Student loan — Non-federal student loan
Issue: Getting a loan — Can't qualify for a loan
Company: DISCOVER BANK
State: NC

Complaint narrative:
My husband has co-signed for my daughters student loans through Discover for 3 1/2 years. She has 2 semesters left and Discover has denied my husband, myself and dad the ability to be a co-signer. All have good credit and both my husband and dad have accounts with Discover that are current, and the FICO scores on each of their statements indicate they have good credit scores. 
I have called Discover and they can not tell me why all XXXX co-signers have been denied. I feel it may be related to a personal loan request, in which they denied my husband, but offered my dad and he refused after they kept losing his paperwork. If this is the case I am not sure why they even offer student loans. The loan is in my daughters name and her responsibility, with the understanding we will pay the loan if she defaults. We also had the understanding that no payments were necessary until after she graduates. I am in the process of paying off my student loan and then we were going to start paying on hers when mine was paid. 
I feel Discover owes my daughter an explanation as to why suddenly they can not offer her a loan. She has done absolutely nothing wrong in this matter. She is just trying to complete a degree so she can attend graduate school. 
I have contacted them over the phone and each time I just end up with a customer service representative who reads from a screen. Discover does not live up to college loans services as they advertise and I hope this incident can put them back on the right path.

Company response to consumer: Closed with explanation