vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-01-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH

Complaint narrative:
In XXXX 2017, my husband and I were about to sign the paperwork to purchase our new XXXX XXXX XXXX. Before we signed, we communicated several times with the sales person that we needed to make sure the vehilce had all wheel drive. We even stated that if the car did not have AWD then we would not purchase the vehicle. It would be a " deal breaker ''. The sales person assured us that the vehicle was AWD. With the first real snowfall coming this past week, my husband was driving our car as it slid along the snowy road. He asked me to look through the owners manual to see how to activatey the AWD. The manual indicated there would be a button to turn on. The button does not exist. When I called the dealerhip asking about ths, nobody could answer whether or not the car automatically turned on AWD or if it did require a button. At first, someone in the service department said that it was automatically turned on and did not require a button. When I referenced what I had read in the manual, the serviceman then investigated further and found that it did indeed require a button to turn on and was not automatic. He then referred me to the manager. I communicated our story to the manager and the fact that the salesperson insisted the car was AWD. The manager said he would invesitage further and call me back. When he called back, he basically said too much time has passed since the purchase of the car and nothing can be done to alleviate the problem. I communicated that I did not have a need for AWD in XXXX or the fall and it was n't until now that I discovered the error. He then communicated that there was nothing to be done other than to bring my car in and trade it in for a vehicle with AWD which would end up costing me more money in the end. If the salesperson had been up front with me and my husband about the car not having AWD, we would have gladly looked at another vehicle that did. We were motivated buyers. We probably would have bought another vehicle and the dealership would have still had their sale. I have XXXX children that I taxi around. AWD was a must not only for my safety but more importantly for the safety of my children. My husband and I feel as though we were taken advantage of and we were most definetly sold a car that was promised to have AWD, but does not. I did not buy the car that I thought I did.

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 2018-01-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: CA

Complaint narrative:
My bank ( XXXX ) account was accessed as a result of fraud. My bank closed the account but neglected to move the automatic payments to the new account. 

one mortgage payment ( specialised loan servicing ) was late. 

The bank issued a letter acknowledging the problem and admitting fault. 

The company refused to take this into account and adjust the report to the credit agencies.

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 2018-01-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: SUNTRUST BANKS, INC.
State: AL

Complaint narrative:
I opened a checking account at Suntrust Bank with my mom on XX/XX/XXXX because my sister was stealing my mom XXXX with the other account she had opened with my sister. I tried to access the account online on XX/XX/XXXX and both accounts were listed. That is not a problem because XXXX XXXX at the branch where we opened the account said we needed to do that because my mom 's ssi check was going to be deposited on the XXXX and we would not have time for then to make that change. So, I agreed. On the afternoon of XX/XX/XXXX, I tried to access the account again. This time only the old account showed up. I tried several times and same thing. I call customer service and they indicated that the account was being terminated with no other explanation except I would get a letter and they would mail the funds to my mom. I asked to talk with someone from the fraud department and they said I could not talk with them which is XXXX!!!!!! I ask again and she told me to talk with a branch which again is XXXX. how are they going to know. 
my sister steals thousands of dollars from my mom with no fraud and im trying to take care of my mom and im trying to do the right thing and they freeze her account. I am beyond XXXX right now. the account had {$2100.00}. I get no phone call, not questioned when opening the account, nothing. I have read this happening to other people as well, but when it really does happen example my sister they do n't do XXXX. I want you to know this is the nice version my wife would n't let me send the other.

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 2018-01-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: General Motors Financial Company, Inc.
State: NY

Complaint narrative:
We traded in our old car which was financed through GM Financial on XX/XX/XXXX. A new loan was originated with GM Financial the same day. 

On XX/XX/XXXX, we called GM as we had not received a billing statement for the new loan. The representative told us that we did not have a payment due as an overpayment on our old loan was credited to the new loan. This made our first payment due XX/XX/XXXX.

Payments were made on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

We have been continuously harassed stating that we are past due and missing payments when we have paid according to the information received from the company. On XX/XX/XXXX and XX/XX/XXXX, we received threatening phone calls from your company advising that we had to pay or else. And that we have somehow racked up late fees totaling over {$200.00} and have been reported more than 30 days late. 

Please correct the account as we have not missed any payments. Also please coach your associates accordingly as it is not right to threaten a senior citizen who is just trying to do the right thing and making a payment every month.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc.
State: GA

Complaint narrative:
Diversified Consultants calls me several times a day and when I pick up no one says anything. The phone hangs up, and the calls are repeated. I have mailed letters to this company asking them to validate this debt that is not mine. I never lived at this address that is listed on this account. And I never had this service with XXXX XXXX XXXX XXXX XXXX. They have failed to provide me information such as the written agreement that created my original requirement to pay. They have been unable to give me the proof that they have the right to collect on this debt. I will upload the letters that I have mailed to this company. Even though they could not produce any proof, they put this negative information on my credit report. I sent a letter to XX/XX/XXXX and XX/XX/XXXX. I will also provide evidence of tracking that it reached their office.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
XXXX 2016 - I purchased a XXXX XXXX XXXX from XXXX XXXX. They promised me they could get me a better finance rate than I could get. I was in agreement that I wanted my loan to be financed by XXXX XXXX. I informed XXXX XXXX that I did not want Wells Fargo. My loan with XXXX XXXX was approved. XXXX XXXX sold my loan without my knowledge or permission to Wells Fargo because they could get more money from them than XXXX XXXX. This is per a XXXX XXXX employee. 

Supposedly, XXXX XXXX records their loan transactions. If this correct, you will see me and hear me saying several times that I do not want a loan from Wells Fargo! 

I never had a loan with XXXX XXXX. Since I dislike Wells Fargo, I refinanced with XXXX XXXX XXXX. XXXX had informed me that I could write a note on my credit report and disputed it. I told XXXX that I want my credit report to show that I did not have a loan with XXXX XXXX, and want it removed. Also, I want it said that XXXX XXXX sold my loan to Wells Fargo. They said no because they can not say anything derogatory. Why bother to tell me I can dispute it and write a note? XXXX obviously lied to me. 

Furthermore, I never gave permission that Wells Fargo could obtain my credit information and never authorized a loan with them. This needs to be illegal!

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 2018-01-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX 2016 - I purchased a XXXX XXXX XXXX from XXXX XXXX. They promised me they could get me a better finance rate than I could get. I was in agreement that I wanted my loan to be financed by XXXX XXXX. I informed XXXX XXXX that I did not want XXXX XXXX. My loan with XXXX XXXX was approved. XXXX XXXX sold my loan without my knowledge or permission to XXXX XXXX because they could get more money from them than XXXX XXXX. This is per a XXXX XXXX employee. 

Supposedly, XXXX XXXX records their loan transactions. If this correct, you will see me and hear me saying several times that I do not want a loan from XXXX XXXX! 

I never had a loan with XXXX XXXX. Since I dislike XXXX XXXX, I refinanced with XXXX XXXX XXXX. Experian had informed me that I could write a note on my credit report and disputed it. I told Experian that I want my credit report to show that I did not have a loan with XXXX XXXX, and want it removed. Also, I want it said that XXXX XXXX sold my loan to XXXX XXXX. They said no because they can not say anything derogatory. Why bother to tell me I can dispute it and write a note? Experian obviously lied to me. 

Furthermore, I never gave permission that XXXX XXXX could obtain my credit information and never authorized a loan with them. This needs to be illegal!

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 2018-01-16 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: CO

Complaint narrative:
I attempted to make a payment on XX/XX/XXXX in the amount of {$190.00} and my payment was rejected. I called XXXX XXXX the owner of my checking account debit card and they had not placed any holds on my accont for fraud. I called XXXX XXXX to ask why the payment was rejected and was told it had to do with my bank.I then made the payment over the phone. I again tried to pay a bill on XX/XX/XXXX for {$120.00} and again my payment was rejected.

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 2018-01-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CMI Group, Inc.
State: CA

Complaint narrative:
In XXXX/2017 I WAS CONTACTED BY A DEBT COLLECTOR by mail FOR a DEBT I AM UNAWARE OF HAVE NO SIGNED AGREEMENT WITH THIS COMPANY AND I HAVE SENT POLICE REPORT, FCT REPORT PROOF OF MY IDENTITY & NOTARIZED AFFIDAVIT I am citizen of the unites states of age, would like to make a complaint against operating credit debt collection agency XXXX XXXX XXXX ACT # XXXX the company apparently does not care about consumers rights for identity theft. I have made several attempts contacting the agency disputing fraudulent accounts. They refused to Delete & consider the ( FCRA ) FAIR CREDIT TRANSACTION ACT CONSUMER FINANCIAL PROTECTION BUREAU OF CALIFORNIA CREDIT LAWS Sections 605B, 615 ( f ), 623 ( a ) ( 6 ).

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-16 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
I have a second mortgage with Citimortgage. In XXXX 2017 I called Citimortgage and told them I lived in an area that had been impacted by Hurricane Erma and I was requesting help from Citimortgage while I got back on my feet financially. The customer assistance rep was polite and told me they would be happy to help and transferred me to the " help Line ''. I talked to a woman who identified herself as XXXX, when I explained my situation to her and the fact that my daughter was in pediatric intensive care with life threatening XXXX, she laughed and told me that my personal problems were not Citimortgages concern. She then began a long monolog about refinancing my mortgage and prequalifying and filling out required forms and I hung up. Since Citibank has me locked out of my account I have not been able to make a payment since XXXX. My current balance is about 3600.00 My monthly payment is XXXX. I do n't dare send them a check or money order. They do n't get credited to my account. I did not choose Citimortgage. My mortgage was sold to them. I have never gotten decent treatment from and have been charged late fees for payments that were not late. I can not provide proof because I can not access my Citimortgage account. Oh, my requested was not just whining. My daughter has been to the ER six times since XXXX and four of those trips resulted in extended hospital stays.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-16 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Midwest Recovery Systems
State: CA

Complaint narrative:
I phones Midwest Recovery Systems at XXXX in regards to a missed call. (I also noted that a negative comment was placed on my credit report by this company XX/XX/XXXX). The young lady I spoke to told me I had a debt of $XXXX. I explained to her that I had filed chapter XXXX bankruptcy in XX/XX/XXXX and that it had been discharged XX/XX/XXXX. She told me that it did not matter and that I still owed the money from a loan that was taken out from My Next Day Cash in XX/XX/XXXX. I explained to her that the bankruptcy cleared all debts and she just hung up the phone. This same company had phoned my 2 years ago and I explained to them then that I was in chapter XXXX and even offered to send them a copy of my discharge papers.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have contacted Transunion and XXXX as well as XXXX/XXXX several times for incorrectly reporting a payment was late in XXXX 2017. I have never made a late payment. I disputed it with the the two credit reporting agencies and they still are reporting that I was late in XXXX 2017. The company XXXX/XXXX, claims they have sent Transunion and XXXX  information to remove the late payment reporting for XXXX 2017 but yet it remains. Not only did the company indicate they would not be reporting payments for XX/XX/XXXX as this was the time that we here in Florida were impacted by the hurricane but I have never been late and this is immensely affecting my perfect paying credit history.

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 2018-01-16 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: DC

Complaint narrative:
Since the beginning of XX/XX/XXXX I have been trying to close my XXXX account. First I called for my balance and immediately deposited a check for that exact amount in my checking account. Little did I know a charge of {$2.00} for maintenance was pending. That caused the check to bounce despite them saying they would reverse the fee and it would n't happen. I also got a bounced check fee of {$12.00} from my bank ) as well as a {$30.00} fee from the XXXX account. Then they said to do it electronically but the amount in the account was over the threshold. I had to write a letter but it kept adding to the time it was and is still has n't closed. Finally after complaining, they called me and said they would wire the funds. They called two hours later saying it was too late in the day to do it. As both my bank and theirs was still open, this is further example of them jerking me around. No one should have to go through this hassle to close an account. The bank is XXXX XXXX in XXXX, WI

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC
State: TX

Complaint narrative:
Refer to case number XXXX copy enclosed Recived foreclosure notice, copy attached. XXXX XXXX cashed most payments then returned last payment demanding a {$22000.00} payment. I retained another lawyer. Letter attached. Foreclosure set fo XX/XX/2017.. XXXX XXXX have been devidingmy payments, taking payments for Tax escrow despite the fact that taxes have been deferred because of homestead exemption of elderly XXXX owner. One rep of Fay told us to carry our homeowners insurance. We got our own coverage. Fay sent notice stating that they would pay for insurance. Now we were paying for insurance and Fay was charging our account with insurance further deleting our applied payments meant for the mortgage. please see attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-16 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
I opened my Home Depot CC on XX/XX/XXXX and bought {$2900.00} worth of material for my house on a 0 % for 24 month offer. I made the minimum payment in my statement until I knew I was going to pay it all off in full before the due date XX/XX/XXXX. Because I was naive to the fact it was mandatory to pay the minimum I was late paying in XXXX, XXXX and XXXX. I paid the card off In full in XXXX. It was an honest mistake and my first 60 and 90 day late payments on my credit report. I 'm asking to get those removed so my score goes back to normal so I can renew my business with Home Depot. Thanks!

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 2018-01-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
I have a Wells Fargo credit card that I paid off. Before I did, I had zero issue paying the balance or paying on time. I XXXX out their card in the process of buying a house. 

A subscription service that I tried canceling 7 times, that kept charging the card without my knowledge. The second I realized, I paid the amount ( around {$10.00} ), but it was already past due. I tried explaining that this was unauthorized use of the card. I also explained that due to the nature of us closing on a house within 30 days, this is an urgent matter, since it was reported as a late payment. They will not remove the mark regardless of the fact that it was unauthorized, and at one point, a rep told me once you use the card once with the merchant, you gave the permission permanently. This is a load of XXXX, and I know that. 

Ive been trying to get them to remove the late payment for two days ( XX/XX/XXXX-XX/XX/XXXX ), and everyone is kicking me around. They know that this is about to lose me my house, but everyone tells me whoops get over to that department. I dont care about paying the amount, but the part that bothers me is that I am disputing the validity of the charges, I have been a good and upstanding customer for years, Ive never had an issue in the past, and they refuse to just tell me how I can contact the right people. They literally told me that they dont know how to contact their credit bureau, who it is, contact info for the credit bureau, or a timeline or if they are trying to remove it. To make it all better, they just kick me around and refuse to give me contact information while I BEG them to just give me a way to contact the right person. 

I also had a rewards balance that MORE than covered the balance on the card, but they didnt use it and they didnt allow me to apply it to the erroneous balance on the card. Seems like if you have money of mine already, you should probably just use it. 

At the end of the day, the charges were fraudulent, and I paid them regardless. Im not asking for money back. Im not asking for them to do anything except undo the damage. I just want to be treated like a human being and have compassion to the gravity of the case. Im buying a house and I cant wait for them to kick me around to 30 more departments over the next 3 months, when its not money I even tried to spend. To make it all better, my wife is XXXX and we are terrified our loan is in jeopardy. Were about to be homeless and Wells Fargo is just saying sit on your hands.

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