vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-03-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: General Motors Financial Company, Inc.
State: TX

Complaint narrative:
I have a XXXX  XXXX XXXX  that was original financed @ GM Financial @ a  18%interest rate, After lowering the principle by payments I started a loan process for my XXXX  XXXX XXXX with XXXX XXXX XXXX XXXX. I realized the monthly notes were higher than the budget I've set for myself. I called and spoke with someone @ XXXX XXXX and cancelled the process, before I had completed closed,or signed a power of attorney to release the title. I thought it was cancelled as the representative assured me. I continued my negotiations with XXXX XXXX XXXX for a better rate and monthly payment, we reached an agreement, I paid GM Financial an additional XXXX on the principle balance as per XXXX XXXX XXXX   request  completed all the needed  paper work @ a local branch. I signed the agreement paid the appropriate licensure fees and power of attorney for title of the vehicle. The closing was on XX/XX/XXXX.

On XX/XX/XXXX, I received a letter from GM Financial stating That the car was purchased by GM and the title as sent. I know I didn't complete paper work or authorization for the vehicle to be purchased by XXXX XXXX. I have been calling all Financial institutions, since receiving the letter.  XXXX XXXX is willing to send the title back after they get their funds back.  This has been communicated to GM. GM has kept my XXXX dollars I paid. GM Financial have cashed the check for XXXX  in the amount of XXXX  ( the amount owed after my XXXX principle payment). GM Financial has also cashed a check for XXXX for XXXX XXXX.  I now have two car notes to two different companies due in the latter part of XX/XX/XXXX  I completed the paper work with XXXX XXXX,that is the company I want. I call GM nearly every day after being on hold from 30-60 minutes and I am getting different answers each time I call from it will be resolved in 48 hours until it could take 90 days. I always have to start the story all over to each representative and I believe he or she does not consult anyone or know the company's policy and wants just to end the call. I have not missed a payment since I had the vehicle, but I am semi-retired, I don't want to pay double. I need help to resolve this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Santander Consumer USA Holdings Inc.
State: FL

Complaint narrative:
Good afternoon, I receive continues and annoying phone calls from this debt collector. They do not let me finish when I try to explain that I am not the person they are trying to reach. This is every day and every week. 

This needs to stop please!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: CA

Complaint narrative:
I received 3 return packets from XXXX. I opened one ans saw they were phone return packets. 

I found XXXX 's fraud reporting phone number and tried to contact them, but only recieved automated messages. ( XX/XX/XXXX ) I went to XXXX store at XXXX XXXX, XXXX XXXX and tol ; d them of this fraudulent activity and asked to check the name as spelt on the nvelope " XXXX XXXX '', note not same as my name. They could not find anything, and said they could take any fraud discovery or fraud report information. ( Saturday XX/XX/XXXX ) So I mailed back these packets with notes on Fraud activity. 

I checked the Fraud website on XXXX, and noticed it was too complicated, and asking me to reveal lots of personal information. While in the meantime I am not able to reach any human at XXXX. 
The web reports on Fraudulent department at XXXX were also bad. 

On XX/XX/XXXX I receive a call from collections ( IC Systems : XXXX ). I told them the story and asked them to record all the actions I had taken on this and why I had not received any response from XXXX, nor did anyone try to reach me. 

The IC Sytems instead treatened me that if I dont fill up XXXX  's farudulent report on the website, I will be in trouble. 

At which IO got angry, since I recollected that his website asked for too much information. And there was no way to reach nay human and talk on this issue at XXXX. Their web reviews were also extremely bad.

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 2018-03-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
I've spoken with numerous reps from the company and they are not accurately documenting that i request no further calls or accurately documenting my account. I've spoke with XXXX XXXX, XXXX, XXXX, XXXX, and XXXX XXXX. I've made settlement offers which the refuse to accept even though i'm disputing the account but they still want to collect on the undisputed portion and have no way to validate the current balance. At least during 2 of my conversations, one being in XX/XX/XXXX, I requested no more calls but was told at that time that the company does not honor verbal cease and desist request. I received another call on XX/XX/XXXX, spoke with XXXX, XXXX, and XXXX who confirmed that the company DOES IN FACT accept verbal cease and desist request but claimed that none of my previous conversations indicated that i requested that the company stop calling me but XXXX assured me this would now be documented. I've been given false and misleading information about the companies procedures numerous times and at this point i feel that their communication is abusive and i'm being harassed over such a small debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-13 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Radius Global Solutions LLC
State: FL

Complaint narrative:
There was a collection account reporting on my credit file with XXXX XXXX XXXX account number XXXX. I contacted the company and agreed to settle the debt. I spoke with the Floor Manager XXXX XXXX and he was the one that approved the settlement. Once I completed the payments they were suppose to zero  out the remaining balance and remove it from my credit report, because again it was a settlement agreement. I watch my credit through a credit monitoring site and when I checked to make sure the account was reporting properly I was floored to see that what they did was take the money they agreed to settle the account and actually just applied it to the balance. On XX/XX/2018 I called the company ( XXXX ) XXXX and was transferred several times before I was able to speak with XXXX XXXX again the Floor Manager, at first he too seemed confused and said that there was money still owed. He did finally remember the agreement and said that the accounts were settled and that he would send me a letter showing they were settled with no money owed and that they would delete them from the credit report. I still have not received that letter nor has it been removed off my credit report.

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 2018-03-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
XX/XX/XXXX I checked out of XXXX XXXX early, i had paid for my entire stay but had not yet paid for the resort and parking fees. I paid {$51.00} for one day 's worth of fees. The front desk agent told me that her manager had agreed to waive the remaining fees as I would no longer be on the premises. I received a receipt for this amount from XXXX.

XX/XX/XXXX {$150.00} posted to my account. This is a charge for the additional resort and parking fees XX/XX/XXXX I called XXXX. The person I talked to told me they couldn't help me and I had to call their accounting department when they were open Soon after I disputed the charge with Wells Fargo as I became frustrated trying to contact XXXX. It is very hard to get them on the phone.

XX/XX/XXXX After back and forth with myself and XXXX, Wells Fargo decided that they would not continue with my dispute as XXXX  says the charges are valid.

I emphasized to Wells Fargo that I should not be paying these charges as the receipt I received was for {$51.00}. I checked out of the hotel and am no longer liable for accrued charges.

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 2018-03-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONSTAR MORTGAGE LLC
State: VA

Complaint narrative:
The XXXX XXXX, XXXX and Mr. Cooper are violating The Virginia foreclosure laws by foreclosing on my house on XX/XX/XXXX. According to Virginia foreclosure laws a sale can not be held less than 8 days following the first advertisement or more than thirty days following the last advertisement. Also, the advertisement must be published in the local newspaper. My Deed of Trust specified to make advertisement a week for two weeks. In their last foreclosure sale scheduled onXX/XX/XXXX the Trustees only made one advertisement and that was on XX/XX/XXXX. That advertisement was supposed to run through XX/XX/XXXX. That is not what Virginia Foreclosure Laws said. It said once a week for two weeks. So there was no second advertisement made in XX/XX/XXXX. So, trustees is taking the only one and first advertisement made in XX/XX/XXXX as its second advertisement and that violates the Virginia Foreclosure Laws. The Laws did not say sale can not held more than thirty days following the First advertisement. It say more than thirty days following the second advertisement. So, technically the Trustees is violating the foreclosure laws in its quest to foreclose on house that came in quick succession following theXX/XX/XXXX foreclosure sale.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-13 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Navient Solutions, LLC.
State: NJ

Complaint narrative:
my attorney sent a letter XX/XX/XXXX disputing the debt - the loans the company is calling me about are not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-13 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
I had issues with Navient this past month. They service my private student loans and until recently was granted the rate reduction on all my loans. I called in XXXX to reapply for an extension. The extension was granted for 6 months. The first payment was to take place in XX/XX/XXXX I asked to remove the auto pay option because it was easier for me to manage my finances if I made the payment myself. The agent said that removing the auto pay would not impact my rate reduction qualification. 

I logged into my Navient Portal and noticed that all my loans were placed in forbearance without my consent. I called to inquire the status and was informed that I was removed from rate reduction because I no longer had auto pay. The interest rates had returned to rates ranging XXXX %. I asked the representative to reenroll me into the rate reduction since I was removed due to a technical error. The representative rerolled me back into the program and set up auto pay once again. 

I started a refinance request with XXXX. I contacted Navient for a payoff demand. They were unwilling to provide me an accuarte payoff quote. They said that they would email me one instead. They also mentioned that if I paid off the amount in 10 days they would give me a {$200.00} discount. I called a couple of times since the payoff quote provided was different from what my navient portal provided. This time the customer service agent said no discounts would apply because she has never heard of such a thing. Also my rates were back to XXXX % on my loans. 

Navient has attempted three auto pay withdrawls on my account and cause three insufficient fund fees. 
XX/XX/XXXX- {$430.00} XX/XX/XXXX- {$430.00} XX/XX/XXXXXXXX XXXX ALL these payments should have been cancelled since I told them that I had been approved for a refi with XXXX. The loan funded today on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: COMMERCE BANK
State: MN

Complaint narrative:
XX/XX/XXXX commerce bank XXXX XXXX XXXX XXXX XXXX, MO XXXX Dear Madam or Sir : Re : ( XXXX on XX/XX/XXXX ) On XX/XX/XXXX, I purchased the following product or service : This in regard to commerce bank violation of law by taking approx. {$1300.00} payment on a an open disputed charge. They say the don't have to abide by federal law ( and send me to different commerce bank department which send me back to the dispute department ) regarding that. 

Unfortunately, I was dissatisfied for the following reason ( s ) : violation of the federal law about paying bill while a dispute is open and the dispute is certain to resolved in my favour since I provided ample evidence that I never received the merchandise and the merchant promised refund several times and never delivered on his promises. 

To resolve the problem, I would like the following to take place : I would like a full refund of the payment on the disputed charge. 

I have enclosed copies of my records related to this situation. 

I look forward to your reply and a resolution to my problem, and will wait until XX/XX/XXXX before seeking help from a consumer protection agency or the XXXX XXXX XXXX. Please contact me at the above address or by phone at XXXX. 

Sincerely Enclosure

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
In XXXX a salesman from XXXX named XXXX XXXX ( not sure of last name spelling ) came into my place of business trying to get people to switch to XXXX. I spoke to him and was interested in getting a little more info. He asked me to fill out a form, which I did after asking him if they would be performing a credit check. He informed me no credit check would be done. I filled out the form and he was on his cell phone. He handed me the phone and told me I needed to verify my information. I got on the phone and after talking to the person on there found out this was to do a credit check. I informed the man on the phone that I asked XXXX if they would be doing a credit check and he told me " no ''. I told the man on the phone I did not want my credit pulled and to stop the process. Yesterday ( XX/XX/XXXX ) I receive a letter from XXXX XXXX dated XX/XX/XXXX telling me, " As you may remember, when you requested service at XXXX, we ran a credit check which resulted in a score where you may have to pay a deposit or downpayment ... ''. I was furious as I told both people that I did not want my credit pulled as I am trying to bring my credit back up. I called XXXX today ( XX/XX/XXXX ) to complain and was hung up on by first person. Second person gave me the information for your company to contact to file a complaint. So this is what i am doing at this time. I want to file a complaint on both men and XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Academy Mortgage Corporation
State: CA

Complaint narrative:
I have been working with Academy Mortgage for alternatives options to avoid foreclosure and submitted all documents back in XXXX. On XX/XX/XXXX, I was informed that my documents were under review and nothing was pending at that moment. When I called back around XX/XX/XXXX, I was then informed that a sale date has been placed on my property which states Academy Mortgage committed dual tracking but proceeding with placing a sale date while I was in active review for a loan modification. Now they are requesting more information in which I have sent them over a week ago and when calling in they are stating the opener is still reviewing the documents. It should not take over a week for someone to review documents especially given there is an upcoming foreclosure sale date. To date, I have yet to be assigned a designated point of contact which violates HBOR laws. Academy Mortgage never reached out to me to offer any assistance and have continued to violate my rights as the days progress. Now I am worried about losing my home on XX/XX/XXXX ( 3 days away! ) because they are taking their sweet time doing nothing but causing me stress when all I am trying to do is pay my payments again and not be homeless.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-13 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: EQUIFAX, INC.
State: MS

Complaint narrative:
Equifax has been deleting and reinserting information in my credit report that causes my credit score to plummet.They have reinserted information without notifying me within the five days that are allowed. They also reinserted information that had been resolved leaving me to think that they actually did not investigate my complaints. On XX/XX/XXXX, I mailed them a reinsertion of previous deleted information letter, and they disputed the things listed in the letter instead of addressing my concerns.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-13 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: Diversified Consultants, Inc.
State: NC

Complaint narrative:
I began disputing negative accounts reporting to my credit report beginning in XX/XX/XXXX.

I don't believe these negative accounts are not reporting accurately and are in violation of consumer protection laws. The accounts in question are Diversified Consultants, XXXX XXXX XXXX and XXXX XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: ALLY FINANCIAL INC.
State: HI

Complaint narrative:
Please reference complaint number XXXX When asked how this could be resolved I left out that I need to make sure my credit is restored and does not show late payments that they accused me of since they had lost my check.

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 2018-03-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
I've been asking for the signed contract between Wells Fargo and XXXX XXXX. 
Signature must adhere to Federal Law : ( Blue or Blue/Black Ink ), ( No Digital Signature ), and ( No Copied Signature ). I am unable to get this contract from Wells Fargo Headquarters, XXXX XXXX, CA.

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 2018-03-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Dynamic Recovery Solutions, LLC
State: CT

Complaint narrative:
Dynamic Recovery Solutions, XXXX XXXX XXXX XXXX XXXX, XXXX, SC. XXXX. XXXX ID XXXX has called XXXX for a person who has not been assigned this number for three years! 

We, at the above phone number, do not know, nor have ever known, the individual Dynamic Recovery Solutions is searching for. We do not have personal or business debt of any kind. 

When contacted ; Dynamic Recovery Solutions states our number will be removed from their calling list. However, within weeks, Dynamic Recovery Solutions resumes calling in search of someone not associated with our number or residence.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EOS Holdings, Inc.
State: CO

Complaint narrative:
RECEIVED NOTICE OF COLLECTION PLACEMENT IN MAIL : STATEMENT DATE XX/XX/XXXX FROM EOS CCA ( XXXX XXXX XXXX, XXXX, MA XXXX ). 

" XXXX XXXX HAS PLACE YOUR ACCOUNT WITH US FOR COLLECTION FOR THE TOTAL AMOUNT SHOWN ABOVE ( {$280.00} ). WE URGE YOU TO REMIT PAYMENT TO OUR OFFICE, UNTLESS YOU DISPUTE THIS DEBT. '' I do not and have not had an account with XXXX. I tried to reconcile this with the following EOS CCA phone numbers : Payment account inquiries : XXXX and XXXX XXXX Department : XXXX-XXXX-XXXX. 

My conversations with the reps at EOS CCA were incomprehensible. The reps insisted I give the last XXXX digits of my SS #. I refused. I asked to speak with a manager, and I was given a number to report consumer fraud : XXXX at Ext. XXXX. 

I telephoned that number and asked for ext. XXXX. I was told that extension did not exist. 

I called XXXX, the customer service rep advised I contact XXXX XXXX XXXXXXXX. 

COINCIDENTALLY : I had been getting phone calls from various phone numbers originating from the Arizona area code ( XXXX ) for several weeks, during early morning hours. Messages were not left. Whenever I'd try to call one of those numbers, I'd get a " Your call can not be completed ... '' message. A few days ago, I woke up early and intercepted a call from that area code. The connection was poor. The voice on the other end had an accent from the country of XXXX. He explained I was entitled to a refund for a purchase I never made. He requested SS # and other ID information. When I told him that I would not comply, he hung up. ... I reported this to the XXXX. I was informed that this is a common ploy used to commit identity theft. ... I wonder if there is a connection between these calls and the EOS CCA collection scheme. 

My as well as my wife 's identities have been XXXX several times over the past XXXX years. So naturally, I'm suspicious anytime I get an unexpected call or letter requesting personal information.

Company response to consumer: Closed with explanation