vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-07-27 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem when attempting to purchase vehicle at the end of the lease
Company: ALLY FINANCIAL INC.
State: MA

Complaint narrative:
Over the past 6 months I 've had multiple conversations with people at Ally Financial about my lease ( ending in XXXX ) and buying the car at the conclusion. I 've had to file complaints with the BBB, CFPB and at XXXX just to get someone to send me a copy of the original lease agreement ( the dealer said they did n't have it or could not honor the request ). Now, for the 3rd time in a month, I get conflicting information about buying out the lease.
Keep in mind that someone at Ally once told me the buy out amount was over $ 19k/year. Once I got the copy of the lease, the buy out is actually $ XXXX. But I was told on multiple occasions that I would be sent a buyout package. I 've already secured a loan to buy the car. However it appears that Ally is doing everything they can to not allow me to do so.
It 's either negligence or incompetence. Either case is not good for the consumer.
If this is n't resolved I 'm going to sue Ally.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Old CFPB Case:XXXX Never Got Resolved.
I have completed all the steps which I was told to do by Citi Bank They have never issued {$300.00} Bonus to my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-07-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONSTAR MORTGAGE LLC
State: GA

Complaint narrative:
I asked for a modification for my home and they are now wanting to foreclosed on my home with fraudulent documents. I 'm only 4 months behind on my payments.due to a hardship I sent them a QWR and a proof of claim and they have not answered any of my questions. They are attempting to foreclosure on me with fraudulent documents when the mortgage lender is out of business. Please help me. I want my home and I want to stay In in my home. The alleged trust that they deposited loan was outside cuttiff date for the PSA. I have revoked the poa that was filed in the rea estate division of XXXX county.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-27 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: TX

Complaint narrative:
On XXXX XXXX,2017 Equifax administration sent me a Retaliation and Discriminating response through CFPB Portal.
Calling me Dear, XXXX XXXX. My name is not XXXX XXXX.My name is XXXX XXXX XXXX.
Why is Equifax Administration retaliating against me as a XXXX Military Veteran and my XXXX Lifetime?
I filed complaint on XXXX XXXX,2017 Case file # XXXX.
What 's Federal Government going to do against Equifax Retaliation and Discrimination against me as a Military Veteran?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-27 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
When this line of care credit was opened with Sychrony Bank I was paying my payments as per the agreements. When the statements were coming in they were not reflecting my payments. After speaking to sychrony bank due to my concern with the balance and the charges for late fees they assured me they were aware of the mistake and that this would be resubmitted and the payments would be applied. The balance we agreed upon was not correct. I called Sychrony bank to resolve this and I was met with challenge after challenge.
I stopped my payments and continued to call Sychrony Bank, During this process the interest kept adding up.
Regardless of my attempts I was met with opposition.
As of today my balance on the account is XXXX and the interest is XXXX. I called and was transferred to 3 different departments. I was told I can not access full accounting on my account and that there was not a department that could help me. I was given an address to write in for any information that I needed.
I said this is my third attempt to bring resolution to this account. I wanted to pay in full my balance of XXXX  if it reflects the right amount as per my payments and then discuss the interest. Regardless of my efforts I am met with the same response. Mam we can not help you with your requests you have to write in and when I ask to move up the line to a supervisor and demand some type of assistance in bringing this account current I am hung up on.
This account has dragged out this far because I can not get any communication or resolution even when I try to pay The fact that I can not access any of my account information online ( they locked my acocunt ) that I am trying to pay and that I am trying to resolve this matter and they hang up is outrageous. It is truly my belief that they want these accounts to incur interest and these problems with payments not being registered is by design. I could not pay this bill and bring it current if I wanted to.
I now owe more in interest than the charges. I want to pay this bill and be done.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-27 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Wrong amount charged or received — 
Company: Coinbase, Inc.
State: CA

Complaint narrative:
I have placed a number of transactions on a mobile application called Coinbase most of these transactions occurred at XXXX XXXX, 2017 between the hours of XXXX XXXX to about I have placed a number of transactions on a mobile application called Coinbase most of these transactions occurred at XXXX XXXX, 2017 between the hours of XXXX XXXX to about XXXX XXXX of the same date.
Coin base notified me of price drops for digital currency 's such as BitCoin.
The price was very volatile and I ended up being charged between $ 180- {$300.00} over each price. That I originally paid for. When the price of bitcoin went up I tried to sell one was high and discovered that I had paid more than originally intended and was unable to sell any of my current holdings.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: VA

Complaint narrative:
Had a XXXX account in college, around XXXX, it went to collections on/around XXXX. I had an original debt collector reach out to me in that same time frame. It was removed from my credit report in XXXX/XXXX. Now, I see I have a collection from Convergent Resources , INC . I have reached out to the company that controls the debt, Convergent Resources, INC, regarding a ten year old cell phone debt. I disputed this account with XXXX ( Case # XXXX ) in XXXX of XXXX, and in XXXX it was Removed from my XXXX report for accuracy and statue of limitations, but still shows on my XXXX Report. I called Convergent in XXXX/XXXX to inform them of this, the gentleman I spoke to says it shows that I disputed the account but he could n't do anymore. I informed him that I had disputed with XXXX and gotten it removed, he said he annotate that in my file, but that he could not remove it from my record. I told him I would submit a complaint to the BBB if no further action was taken, but I hoped because I had it taken care of easily with XXXX that it would be a quick fix. As of XXXX XXXX, the debt still shows on my XXXX CR.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
Collector calling my home at XXXX and XXXX in the morning. I am XXXX years old and this has been frightening being awaken in the middle of the night. I have had a couple of XXXX and really can not handle these harassing phone calls. I asked the person to stop calling me because this debt has been turned over to a debt consolidation agency because my husband passed away over a year ago and I am no longer able to handle that bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-27 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Check Security Associates, LLC
State: CA

Complaint narrative:
A company that has presented itself as Warner Asset location services ( claims processing department ) has called me on multiple occasions over the last few months because they are trying to get in contact with a former co-worker of mine. They have indicated the former co-worker put me down as a reference back in XXXX. I have told them I do n't know what this is about. That him an I do n't speak. I did not give permission to be added as reference and to please stop calling me. They refuse and have continued to aggressively contact me from multiple numbers. They say their " sources '' confirm we are family ( We are not ). I do not have any delinquent debts. I am tired of blocking their numbers.
Most recent call was today XX/XX/XXXX- from XXXX. They have also called from : XXXX ext. XXXX. Today 's representative 's name is XXXX.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-27 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
XXXX 2016 AMERICAN EXPRESS SENT ME A BILL FOR XXXX! I IMMEDIATELY CALLED AND WENT ON LINE TO POINT OUT THEIR MISTAKE ... THEY HAD A YEARS WORTH OF TRANSACTIONS IN ONE SINGLE MONTH ... XXXX 2016 TO XXXX 2016 ... THEY LUMP SUM XXXX/2016 TO XXXX/XXXX/2016 THEIR CRAZY BILLING MISTAKE! I ESCALATED TO SUPERVISORS, DEMANDED MY MONEY BACK ... THEY OVERDREW MY BANK ACCOUNT ... .AMERICAN EXPRESS GETS PAID EVERY MONTH..XXXX 2016, XXXX,2016, XXXX 2016 AND SO ON EVERY MONTH WAS PAID IN FULL ...
AMERICAN EXPRESS OWES ME XXXX XXXX ...

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-27 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: CA

Complaint narrative:
Back in the end of XXXX, beginning of XXXX I filed a complaint about this loan which they say is mine. When I try complaining, all the credit bureaus do is try to get me to admit it 's mine. At the time this loan supposedly took place, I was freshly out of the hospital from my second XXXX. I 'm still XXXX XXXX XXXX XXXX XXXX, and the dmv had revoked my drivers license for medical reasons. I called XXXX XXXX XXXX  and explained to them, but they did n't want to hear it. I wanted them to show me the contract that I signed, that would have proved it was n't my being that I 'm right handed. After hearing that I had complained they closed the account, the original opening date was X/XX/2013. The item still appears on all three credit bureaus, and I want it off.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: PA

Complaint narrative:
MyFedLoan Servicing is a poor company to deal with. This all took place within 3-4 months of XXXX-XXXX 2017. I had to re-certify my income payment and was first given an out of date application, which took a month to hear back from them. My second application was completed wrong and I never heard from them, when I called to check, I was told everything was being processed fine. I had to put my loan on forbearance for 2 months, accruing interest of over {$800.00} because of the job they did. After 3 months of going back and forth, I finally received my new payment amount and it is 3x 's as much as I paid last year.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NATIONSTAR MORTGAGE LLC
State: TN

Complaint narrative:
XXXX and XXXX are showing that my past Mortgage with NationStar is showing XXXX days late and a pending foreclosure. I closed on this loan several months ago and it was never late and there is not a foreclosure pending. Please contact NationStar and XXXX  and XXXX. My credit score is coming up as a XXXX and this has made it drop over a hundred points. I am refinancing my other mortgage and this is how I found out. I will not be able to refinance until this has been done. These reports with XXXX, XXXX and XXXX needs to state that the past mortgage with NationStar has been paid 100 % and was never late. Also, fix and update the foreclosure warning.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Under the new law effective XXXX XXXX, 2017 any public record data must include name and address as well as SSN or DOB in order for it to appear in your credit file. These changes are part of the National Consumer Assistance Plan. The Credit Bureau has not updated the information and per the new law the Bankruptcy listed does not include this information and must be deleted from 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 2017-07-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Under the new law effective XXXX XXXX, 2017 any public record data must include name and address as well as SSN or DOB in order for it to appear in your credit file. These changes are part of the National Consumer Assistance Plan. The Credit Bureau has not updated the information and per the new law the Bankruptcy listed does not include this information and must be deleted from 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 2017-07-27 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: CCS Financial Services, Inc.
State: MD

Complaint narrative:
I 've sent a letter to this company on XXXX/XXXX/2017. I have no clue what this debt is for and ask them to verify all documents in order to determine anything. This is not my debt.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Ditech Financial LLC
State: IL

Complaint narrative:
Originally my husband and I refinanced our home in XX/XX/XXXX to combine our 1st and 2nd mortgage into one loan. I did not realize that the Loan Originator did not have my name on the loan I later found out after my husband passed away that I was not on the Note only on the Mortgage and the Deed. To my knowledge the loan was to be done as we originally had it with both of our names on the Note and the Mortgage. My issue is I am now trying to refinance under the HARP Program but because my name is not on the Note they will not report the payments that I have been making for the past 71/2 years to the credit bureaus, but have sent me printed receipts until of XX/XX/XXXX is when I received the last receipt in my name they now come in my deceased husband 's name. I really need to refinance my home so I can stay in my home. Back in XXXX the interest rate was 6.375 % for 30 years and the rates have been historically lower in the past years and could save me my home and the extra money I am saving I can do some maintenance should it be required on my home in the future. I live on a widow 's pension which is very limited and I am XXXX years old and have not been able to work for a very long time, so refinancing my home means everything to me. I tried to work with the mortgage co but no one will even speak to me now about this mortgage.
I am attaching receipts from XXXX thru XXXX in my name but they still will not report this in my name to the bureaus as they know I am the one making the mortgage payments, and I am the sole owner of the property.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I wanted to get my free credit reports online, from the three credit reporting agencies, using the website XXXX. There was some sort of glitch and the website said I could not get them online, that it would mail them to me. Then I tried calling using the number XXXX to talk to someone so I could get the reports online. This is an automated line and it said it would mail them to me. My complaint is there is no phone number for customer service or their corporate offices to redress any of my issues with their website.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: PLANET HOME LENDING, LLC
State: GA

Complaint narrative:
They are trying to foreclose on my house with fraudulent documents A Affidavit of Notice and a revocation power of attorney was filed in the Real Estate Division XXXX county. They are using fraudelant documents to take possession of my home.. I asked for a judical foreclosure based on the PSA. I was in the process of a modification when they initiated the foreclosure which is a part of dual tracking and a violation

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-27 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 — Investigation took more than 30 days
Company: CITIZENS FINANCIAL GROUP, INC.
State: TN

Complaint narrative:
XXXX and XXXX are showing that my past Mortgage with CitizensOne is showing 120 days late and a pending foreclosure. I closed on this loan several months ago and it was never late and there is not a foreclosure pending. Please contact CitizensOne and XXXX and XXXX. My credit score is coming up as a XXXX and this has made it drop over a hundred points. I am refinancing my other mortgage and this is how I found out. I will not be able to refinance until this has been done. These reports with XXXX, XXXX and XXXX needs to state that the past mortgage with XXXX has been paid 100 % and was never late. Also, fix and update the foreclosure warning.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-27 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
In 2009 I took out my 1st private loan with XXXX XXXX. I was uneducated on how the loan system worked but needed the money to finance school. Over the course of 4-5 years I accumulated a total of {$140000.00} + in private loans. Once my graduating grace period was over I had to repay them. I put them in forbearance without proper advisement from the loan company. I was totally unaware that there was only a certain amount of allotted time for different repayment options. Now 8 years later I am being forced to make unreasonable monthly payments of $ 900+ which leaves me with no money to survive with. Most months I 'm unable to make the payment and Navient ( formerly XXXX XXXX ) is unwavering on their decision. They are n't trying to work with me at all. I have children and {$900.00} a month is a huge amount for anyone to pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-27 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
TransUnion and XXXX are showing that my past Mortgage with XXXX is showing 120 days late and a pending foreclosure. I closed on this loan several months ago and it was never late and there is not a foreclosure pending. Please contact XXXX and XXXX and TransUnion. My credit score is coming up as a XXXX and this has made it drop over a hundred points. I am refinancing my other mortgage and this is how I found out. I will not be able to refinance until this has been done. These reports with XXXX, TransUnion and XXXX needs to state that the past mortgage with XXXX has been paid 100 % and was never late. Also, fix and update the foreclosure warning.

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