vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-02-13 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Problem with a trade-in
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: FL

Complaint narrative:
XX/XX/XXXX : Contacted by XXXX XXXX asking me to trade my XXXX XXXX in for a new vehicle ; offered above market value. Went to dealership. Eventually referred to XXXX XXXX for the new vehicle. Assured my XXXX had required value to trade in. Leased a new XXXX at XXXX XXXX and traded in the XXXX. 
XX/XX/XXXX : Delays in receiving new XXXX, delays in receiving paperwork on new XXXX, payment statement for new XXXX arrived AFTER due date, financing company delays in receiving and processing the traded in XXXX. 
XX/XX/XXXX : Recd mailed Notice from XXXX XXXX XXXX  that the XXXX was repossessed. Called them and they said DISREGARD. Called XXXX XXXX and they said the same, apologized for delays. 
XX/XX/XXXX : Recd collections notice for balance due on XXXX. 
Since that time, we have written and communicated many times with both XXXX XXXX XXXX, the XXXX dealerships, and with the XXXX XXXX XXXX. XXXX and the finance company have each blamed the other for errors made, resulting in the balance due. Neither will take responsibility for it. 
It is our belief that XXXX XXXX knew what they were doing, caused the delays, and did not properly process our paperwork, trade-in payoff, or return of the traded-in vehicle. 
All documentation has been provided to all three credit reporting agencies which will confirm all of the above.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-13 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 — Was not notified of investigation status or results
Company: AAS Debt Recovery, Inc.
State: PA

Complaint narrative:
A certified letter was sent to AAS Debt recovery Inc for debt validation. I requested the following information from this debt collector .Name and Address of Alleged Creditor, Alleged Debtor, Alleged account number, date the alleged debt became payable, amount of alleged debt, date of original charge or delinquency and contract of debt. This collection agency has not sent me anything to validate this debt. I am demanding this account be removed from my credit report as it is damaging my credit worthiness.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA
State: KS

Complaint narrative:
I originally fined a complaint with you on XX/XX/XXXX. I stated that on XX/XX/XXXX, after filing for a hardship forbearance, I received an email from XXXX   XXXX  granting me the forbearance until XX/XX/XXXX. The company 's response was " ... you expressed concern because you believe your loans were approved for forbearance through XX/XX/XXXX ... '' I have the email to prove the forbearance, but XXXX has locked me out of my online account. Being locked out of my account was another complaint in my initial filing. This was not addressed. 
I tried this morning to get back into my XXXX online account and received the following message : " This account has been blocked from online access. For further assistance please contact us. '' I have been trying to get into my account since XX/XX/XXXX. I wrote XXXX several letters about the subject and called on XX/XX/XXXX. I need to get into my online account. 
This is where payments are made, along with the forms for filing another Income Driven Repayment program. I can not do either, because THEY HAVE ME LOCKED OUT OF MY ACCOUNT. 
Once I am into my account, I can retrieve the original XX/XX/XXXX, email granting me forbearance, and also apply for another IDR plan. I can do nothing until I can get into my account. Meanwhile, interest is piling up and it needs to be erased. It is XXXX XXXX fault I can not file or pay, because of my account being locked. Again, my statement from XXXX XXXX stated my payment is " XXXX. '' I want into my account immediately. XXXX does not respond to letters or emails, other than to say they have received them. I get a prescripted response. I want into my account, and all statements ordering me to pay hundreds of dollars stopped.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-13 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Advance America, Cash Advance Centers, Inc.
State: LA

Complaint narrative:
I do not have specific dates or times, but I took out a loan for XXXX the repayment was XXXX. The payday loan company advance america was informed when I took the loan that I had date specific pay dates. I paid on the same day every month. One particular month I was told that the specific date that needed to be drafted could not be accepted. I explained that the funds would not be there due to not getting paid on that date. Representative said okay and that they would still draft and continue to try and draft. Account was closed. I called the company when I received tax funds last year to pay, but was told that the settlement amount offered a month in advance had expired and that I had to pay XXXX more than what was originally owed. I looked up the laws, so is it fair to say that I now ow XXXX dollars from a XXXX balance? It stated that one NSF Fee was allowed to be charged. Where did the XXXX come from. My job old job has been called several times about the matter and company was told I no longer work there. It is unfair when I tried to pay the company last year and they refused to work with me. I can not afford the XXXX, but have read about court, garnishment, and so forth. I know it can not be criminal charges, but I can not afford a civil lawsuit either. The company came up with a repayment plan, but the amount of the repayment was much more than what I could afford. The company does not care about what you can afford to pay back at a time they want the amount they want or nothing.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
On the evening XX/XX/19, after making a cash deposit, and bringing my account at a positive balance, I reached to contacted Chase call center to see how could a NSF of {$34.00} charged on XX/XX/XXXX could be waived as a 1x courtesy. The Chase phone rep agent advised that they couldn't do anything and that i needed to wait until XX/XX/2019 to be eligible. However, the morning of Saturday XX/XX/19, I learned that an additional 3 nsf 's fees, {$34.00} a piece totaling {$100.00} was charged to my account and my cash deposit was conveniently pushed to XX/XX/19 which was the following Monday. This isnt the first time that  Chase has done this very questionable practice, but it is the first I'll be outspoken about it. If I understand correctly, deposits are posted first, followed by charges from largest to smallest. This isnt the first I've made deposit on this manner and no fees has been accessed. 
I work very hard. It is disheartening to see one hard earned money is been eating up by unfair bank practices.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-02-13 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: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: FL

Complaint narrative:
Considering Bayview Loan Servicing has a reputation of not working with clients, I have decided to submit this complaint although I have emailed their customer service about the erroneous information on my credit report but no answer is yet received.

I found that the BayView mortgage-loan info from my credit report shows the missed payment for XX/XX/2018. This information is incorrect and it has been affecting my credit report unfairly. 

The payment in XXXX was made on the XXXX. Although not being held against me, there is also erroneous information related to the payments made in XXXX, XXXX, and XXXX. I am attaching a snap of my credit report with BAyview errors reflected as well as print-screens of all my payments to Bayview from last year so you can check when the debt was taken from my XXXX account. My records prove that I DID NOT make any late payment last year, all payments were granted before the XXXX of each month as Bayview regulates. 

Thanking you in advance for your kind help in this matter

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Problem lowering your monthly payments
Company: SYNCHRONY FINANCIAL
State: IN

Complaint narrative:
I applied for a Paypal Cashback Mastercard from Synchrony Bank while I was going through a difficult time. This was in XX/XX/2018. I had just been evicted from the house I was renting and didn't have much money. They gave me a very generous credit limit, but due to certain obligations while I was staying with family, it quickly got whittled down to almost nothing. I was making the minimum monthly payments with no problems at first, but soon I noticed they started to increase my minimum monthly charge a little more each time. Some months it was as high as {$97.00} - higher if I couldn't afford to cover it. XX/XX/XXXX charge was {$73.00} and last month 's was also {$73.00}. I cancelled the card last month because I couldn't deal with it any more, paying that much every month and only the barest scraps were being applied towards my overall debt with the rest being eaten up by unreasonable fees, charges, interest, etc. I asked if they could reduce the amount due to my hardship but they refused, stating the fees, interest rates, APR, etc. were all pre-set at a certain limit. The card is no longer active and they are still charging me ridiculous amounts even when I can not use it. The last statement I got said I owed {$73.00}. I paid that, but only about {$20.00} of that went towards the whole amount ; the rest was interest on purchases ( XXXX for purchases and XXXX for cash advances ). My current APR on this card is 28.99 % which is ridiculous and I think they themselves know it and just took advantage of me due to my poor credit history. These people are predatory and should not be allowed to trap people into financial slavery like they do.

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 2019-02-13 00:00:00
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PNC Bank N.A.
State: MD

Complaint narrative:
this complaint is abount pnc is reportin the wrong information. 
the type of problem is tring to communicate with the wrong amount of monery- I owe them.when I complain to the company, they give me the around. 
I have talked to XXXX at XXXX.talked to XXXX at XXXX. 
I have sended them information.i also talked to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-13 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
I have disputed this debt for over 2 years asking company to validate by showing court paperwork that an eviction was done or that money was owed to an apartment Complex ... they have not but threatened to garnish my wages and damage my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On XX/XX/XXXX my debit card declined due to insufficient funds. When I check my account I noticed a levy from California franchise tax board ( FTB ) on Monday XX/XX/XXXX I called the FTB and resolved the issue. At around XXXX the person from FTB said they would fax the release to Citibank and I should follow up in a couple of hours. 
When I did Citibank claimed they had no records of the release being sent to them. 
I called the FTB again around XXXX on XX/XX/XXXX and after another hour on hold the representative from FTB faxed the release again to Citibank and upon my request age also sent me a copy of the release. 
When I follow up with Citibank they would either hang up or route me to the wring extension. When I did get a banker on the phone I was told of would take 24hrs, someone else said 48hrs and today I was told 36hrs.

It's been over 48 hrs I still don't have access to my funds even though the lien release was sent over to Citibank well over 48hrs ago. 
On XX/XX/XXXX I walked into a local branch emailed the branch manager the documents I received via fax from FTB but that resulting in nothing. 

I currently do not have access to the funds in my account. I can't purchase gas, food or any other necessities Citibank refuses to release my funds or provide any information about who I need to contact of when the funds Will be available. They are holding on to my funds illegally

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 2019-02-13 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CONTRACT CALLERS INC
State: OR

Complaint narrative:
I asked to file a claim and contact the utility company that charged me {$240.00} for a month that I wasnt even living in the residence and it was the highest amount theyve ever charged. The meter was projected for use not actually read. ( XXXX XXXX XXXX. ) Im filing a claim with the FTC against XXXX XXXX XXXX, but I was told the debt collection company, Contract Callers Inc would report back with my claim before anything went on my credit report. 

That did not happen. 

{$240.00} has brought my credit report down to the mid 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 2019-02-13 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capital Accounts, LLC
State: NY

Complaint narrative:
I went to XXXX to do face threads on XX/XX/2018, work was partially done because the doctor couldn't get the needles into the left side of my face and he didn't have enough needles to finish the work. I was giving an appointment to finish the work XX/XX/2018. When I arrive the doctor asked me why i was there and I said to finish the work. His remarks was that he was not aware of my appointment and he did not have any needles available to finish the work. No one in the office could give me an answer. When I got home i called my bank and place a charge back on {$1000.00} that was paid to the doctor. The doctor had ample time to dispute my charge back which he never did. Instead he send me to collection with capital accounts and capital accounts harassed me with phone calls never providing me with any information. I see that capital accounts provide CFPB with a ledger that is incorrect because the ledger never showed the credit card payment or the credit. Attached please find proof of payment charge back and appointment to finalize the work that was never done.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I have been a victim of identity theft.

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 2019-02-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Someone else is using my personal information, DOB and social

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 2019-02-13 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: ECMC GROUP, INC.
State: NC

Complaint narrative:
ECMC on the behalf of its servicer XXXX will not furnish proof that they own the debt and I owe the debt. I have requested original documents from the original creditor that were executed and authorized by me, however ECMC ( & XXXX ) have failed to furnish me the original documents that they are required to have on file under the FCRA and FDCPA. 

In addition, I requested a copy of the contract agreement that gave authorization for ECMC to be my guarantor, when I never signed any agreement initial with ECMC nor XXXX. Both companies have failed to respond to my request and confirmed that they can not. ( See attachments ) ECMC has furnished an account number that does not establish its affiliation with original creditor loan number. As well XXXX furnishes a different account number. Through discovery under the FCRA & FDCPA all accounts must accurately correlate and have an affiliation with the original creditor loan number existing.

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 2019-02-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA

Complaint narrative:
TOYOTA MOTOR CREDIT - PURPOSELY MAKE IT DIFFICULT TO PAY DOWN PRINCIPAL OF LOAN BY : NOT DESIGNING IN A PRINCIPAL PAYMENT OPTION INTO THEIR LOAN PAYMENT INTERFACE WHEN CONFRONTED BY EXTRA PAYMENTS BEING SENT IN, THEY SAY THEY ARE APPLIED TOTHE NORMAL PAYMENTS DETERMINED BY THE INTEREST RATE AND THE LOAN - SO YOU CAN NOT DEFINE ANY AMOUNT OVER THE REGULAR PAYMENT TOWARDS THE PRINCIPAL ON PURPOSE. 

WHEN YOU KEEP QUESTIONING ( AND THEY DO MAKE YOU KEEP QUESTIONING ) YOU FINALLY GET AN ANSWER OF WHERE TO SEND A DIRECT PRINCIPAL PAYMENT - IT IS OLD SCHOOL, NOT ONLINE AND HAS TO BE MAILED TO A COMPLETELY DIFFERENT LOCATION. MAKING IT SHADY BUSINESS PROACTICE.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-13 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
XX/XX/XXXX I deposited {$500.00} into Bank of America ATM, accepted my $ but did not deposit into my acct. I reported it on XX/XX/XXXX, went to the Bank on XX/XX/XXXX and they admitted they have an overage of XXXX on XXXX ATM Ledger Supposedly a case # was assigned. Bank said it would take48 hrs. ATM Co said 10 days. I called everyday since XXXX being put on hold each time for 30 mins. Everyday they said they are looking into it. Yesterday they said they didn't start the case until XX/XX/XXXX. I talked to 5 different people and they all said they are working on it. One phone call to the Bank would solve the problem but now they are saying at least another 10 buss days.The Bank wont do anything but acknowledge the XXXX overage.It has already been 13 days with no results. Don't trust Bank of America

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 2019-02-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
i sent a letter back on XX/XX/2018 asking them to correct the misleading and incorrect information. They never responded to me at all.

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 2019-02-13 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: EQUIFAX, INC.
State: PA

Complaint narrative:
i sent a letter back on XX/XX/2018 asking them to correct the misleading and incorrect information. They never responded to me at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-13 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
ATTENTION EXPERIAN DISPUTE DEPARTMENT I CAN NOT believe that Experian is STILL reporting the account XXXX XXXX XXXX : XXXX, although I have pointed out SEVERAL inaccuracies with this account. How can Experian verify inaccurate information as accurate? By law it is Experians job to ONLY allow accurate and correct information to be entered onto my credit report. 
I am challenging this account for the following reasons : Failure to perform an independent investigation per FRCA regulations Failure to correct, remove, or verify inaccurate disputed items Each credit bureau lists a different open date. Experian XX/XX/13, XXXX XX/XX/13, XXXX XX/XX/13. How is that accurate? 

I have no knowledge of this account and have never done business with XXXX XXXX XXXX so why does Experian list an open date of XX/XX/2013? How is this accurate? 

There should be no past due on a collection account yet Experian lists a past due amount of {$1600.00}. How is this accurate? 

There should be no negative payment history on a closed account recorded yet Experian lists this account negative monthly. How is this accurate? 

The terms are inaccurate.

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