vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-11-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: FC HoldCo LLC
State: IL

Complaint narrative:
My auto loan was originally with XXXX then Flagship Credit took over my loan ( Not my request ). During the transition there were fees added to my account in the sum of XXXX in addition to my regular loan. When I called and spoke to Flagship in regards to it they said " it was repossession fee. '' I said " How can it be a repossession fee when my car was never repossessed? '' then they said they had to look into it. then they advised me it was miscellaneous fees charge by XXXX. I then asked what they were for they again said " repossession '' I then advised again how is it possible when there is no repossession on my car? they again said that they would look into it and wait again they then advised that it had to do with an incident that occurred in XXXX. My car was stolen and the police recovered the car I was awaiting to go to court to prove that I was n't the driver and I had the police report. between the time frame of recovery and the admin court hearing XXXX went the holding yard and paid for my car to be released to them they were going to sell my car in auction and charge me with a repo. At the court hearing presented my police report and judge said you can go ahead an get you car no charge then advised me at that time the financing company picked up the car. On the date I did contact XXXX they said ok send us the paperwork. I did send it to them that day then confirmed that it was received ( I have the original paper work for that day ). XXXX said they would remove all fee and charges and remove the " repossession '' from the credit report cease the sell of the vehicle. I though this incident was take care of it was presented by the lender as such not " fees '' on the monthly statement. Lender advised me not to worry about it they will handle the paper work to be reimbursed. The mistake was removed from the credit report. I thought everything was fine until these " fees '' appeared when Flagship took over the account. I have sent the original paperwork twice now talk to several people and there is " nothing they can do '' or they do n't return calls when requested. They only time I hear from them is if I am late on payment, then they we throw you on dialer system and leave you 2 to 3 voicemails everyday until you pay and call you 7 to 8 times a day.

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 2017-11-03 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Problem with customer service
Company: Bread Financial Holdings, Inc.
State: WA

Complaint narrative:
I previously complained and was informed the case was closed : Case XXXX with the CFPB. I was told my phone number was on the " do not call '' list BY Comenity Bank. 
At XXXX, XXXX XXXX, XXXX, I received another call for the woman noted in the previous complaint : a woman I do not know, have never known, and who has never, to my knowledge, had my phone number. I 've told the bank this on several occasions, yet they continue to call. The woman who called this morning said " no one informed us of that. '' I would appreciate your re-opening this case and insisting that this bank stop calling me. 

Thanks so much.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-03 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: MidAmerica Mortgage Inc
State: TX

Complaint narrative:
I 'm in a fixed rate of 3.75 on a 15 yr. mortgage and my note has been XXXX and suddenly changed to XXXX without me agreeing to it. I contacted the mortgage company and have n't gotten a response and I received a escrow overage check but I never agreed to a increase in my monthly note. Account # XXXX Mid America Mortgage And my info is XXXX XXXX XXXX XXXX XXXX. XXXX XXXX Tx XXXX XXXX my e-mail is XXXXXXXXXXXX Cell ph. # XXXX Hm. ph. # XXXX thanks.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: World Omni Financial Corp.
State: FL

Complaint narrative:
I have been out of work on XXXX for a year and I have managed to get all my payments caught up until XXXX when Hurricane XXXX Came and I was without power and displaced 3 1/2 weeks.My XXXX bill was due on XXXX XXXX. 
I reached out to Southeast Toyota Finance on XXXX XXXX, XXXX asking for an extension for XXXX and was informed that they were no longer giving free extensions for hurricane victims as of XXXX XXXX. 

I informed the customer service rep that I receive a XXXX check on the XXXX of each month and I would not be able to pay the extension payment until XXXX XXXX. Even after informing SETF of my current situation ; I harassed with collection calls everyday until XXXX XXXX, XXXX ; On XXXX XXXX, I asked the rude customer service associate if I could to speak to a Manager regarding the written ceases and desist that is associated with my account. I I was told by the manager that I did not have a request on record. Exasperated I stated to the manager once again my intentions of obtaining an extension on my account once I received my XXXX check the next day. 
When I attempted to request the extension online, I received an error message and was instructed to call customer service. I called customer service on XXXX XXXX, XXXX @ XXXX XXXX and was told that, now since my XXXX bill has become due I am unable to get an extension for XXXX!!! XXXX must be paid in FULL they were willing to give me an extension on XXXX bill which is only 3 days past due. 

I am a XXXX veteran and I have been with Southeast Toyota almost 6 years and they are terrible to their customers. Sometimes life happen and bad things happen to good people ; the customer service reps make you feel horrible, they make you want to give up throw in the towel and the VEHICLE and not pay them another blood and tear stained dime. 
I am sick of the Harassing phone calls all day and if I speak to them today they will still call me right back the next or every two days regardless of what you thought you had resolved on previous conversation with the previous associate. 

They create barriers for customers to pay off loans I asked for documentation of my past extensions and agreements because you are unable to obtain information online and they send nothing in writing by mail verifying the transactions and agreements, my payoff amount has not changed in a year after almost 6 years there should be a much higher amount applied to my principle and there is no one to discuss your account with because the harassing callers do n't have access to your account or payment history they are just collectors.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-03 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Loan payment wasn't credited to your account — 
Company: DFC Global Corp.
State: FL

Complaint narrative:
I asked for a payday loan on XX/XX/XXXX, I WAS NOT INFORMED THAT THEY WOULD RUN A CREDIT CHECK, I have A HARD inquire on my credit file. 
The monet was deposited to my checking account on XX/XX/XXXXAND THE WITHDREW XXXX onXX/XX/XXXX the loan was paid in full! 

But to date, the account XXXX shows as having an outstanding loan, I have a copy of a chat, on XX/XX/XXXX an email sent onXX/XX/XXXXanother chat XXXX ... and went to the local store ... nothing but the run around .... 

I am asking that they CORRECT, their database ... I paid the loan IN FULL XX/XX/XXXX 

Thank YOU

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: U.S. BANCORP
State: CA

Complaint narrative:
Was given a XXXX prepaid gift card by my boss for XXXX last year. Never tried to use it until XXXX XXXX, but at the register it only registered {$1.00} and the purchase was considerably higher. After leaving the store I remembered I had n't used it before so looked on the back and although there 's no phone number for activating the card, there was a number for lost or stolen cards so I called it and was able to activate the card. Went back to make my purchase but this time the card was declined. Went home to check on internet and found out you have to register the card first, but when I put in the card number, the error message said there was no record of that account number. This morning I looked online again at https : XXXX and found literally thousands of complaints with exactly the same problems I had.

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 2017-11-03 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: EQUIFAX, INC.
State: ME

Complaint narrative:
On XXXX XXXX, I went to the website www.annualcreditreport.com and tried to request my free annual report to be provided to me through the XXXX. Postal system. I was on a public computer with no connected printer. This was not possible. The website only allows an online viewing and printing. 

The site provided a " contact us '' tab which provided only XXXX phone number : XXXX. I called this number about XXXX times and was unsuccessful in requesting my report. I do not have a phone and could not provide my phone number when requested. The answering machine would not let me proceed past this point. I tried many other options but never could get to a human. 

I went back to the www.annualcreditreport.com website and in the FAQs there are directions for downloading a form and submitting your request in writing. I have searched everywhere on the website but there is no form and no link to download a form.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-03 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: EQUIFAX, INC.
State: NC

Complaint narrative:
My name is XXXX XXXX XXXX and I 've been receiving notification of my credit report about inquiries. I did not apply for these accounts or business, I 've contacted both parties and they do n't help. I 'm trying to fix my credit and with this isssue it will be a disaster if this keeps going on. I only have one credit card and no loans or anything else. I have a XXXX XXXX XXXX XXXX Credit Card and nothing else. No need more.. Please help me. I do n't need no more credit. I think I 'm an Suspect Victim of Identity Theft. 

I would like my persoanl information updated as well, because my mother has the same name and I believe her information has been mixed up with my information. 

My personal information shoule be as listed below : Name : XXXX XXXX XXXX AddressXXXX XXXX XXXX XXXX XXXX NC XXXX Phone : ( XXXX ) XXXX Employer : XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-03 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
My name is XXXX XXXX XXXX and I 've been receiving notification of my credit report about inquiries. I did not apply for these accounts or business, I 've contacted both parties and they do n't help. I 'm trying to fix my credit and with this isssue it will be a disaster if this keeps going on. I only have one credit card and no loans or anything else. I have a XXXX XXXX XXXX XXXX Credit Card and nothing else. No need more.. Please help me. I do n't need no more credit. I think I 'm an Suspect Victim of Identity Theft. 

I would like my persoanl information updated as well, because my mother has the same name and I believe her information has been mixed up with my information. 

My personal information shoule be as listed below : Name : XXXX XXXX XXXX Address:XXXX XXXX XXXX XXXX XXXX NC XXXX Phone : ( XXXX ) XXXX Employer : XXXX XXXX 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 2017-11-03 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 — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
on XXXX/XXXX/XXXX I got a fraud alert on on my computer from Chase asking me if a purchase form XXXX XXXX ( XXXX ) for {$5900.00} was mine as it did not fit my  pattern of behavior. I said no and they immediately closed down my account and sent me a new card and credited my account for the purchase. About one or two billing cycles later the charge reappears on my account. I called Chase and asked why and they said that XXXX says it 's mine. I disputed the charge and was again told that XXXX still says it 's mine. I made a few calls and spoke with the Security director oXXXX XXXX. They said it was charged to my account and sent to my address and that 's that. I asked for and received a copy of the XXXX receipt of delivery. It was signed on XXXX at XXXX which is a Wednesday at which time I am at my desk in another state ( NJ ), with my name but is not my signature. The name was simply spelled out in pseudo script.I explained to them that I live in a doorman building and we do n't sign directly for packages. The doormen do on a computerized system. I asked for and received a copy of the computer log from the co-op management and, of course, I received no package from anyone on that day. I have since spoken with a dozen people from Chase 's Fraud dept.after again filing a dispute with them. They say that XXXX wo n't relent and that it is my charge. From the people at XXXX and Chase I learned that it was a phone order, I have no idea where the order confirmation was sent but I received none, and the the item purchased was a XXXX Handbag for {$5900.00}!! I just filed an XXXX report but the charge is still on my account. I will not pay the charge and want it, and any accrued interest on the charge refunded and damages for four months of sleepless nights and aggravated days that I have had to suffer. My assumption is it is someone at XXXX as they are the only ones that have access to those delivery receipt computer machines.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-03 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Windham Professionals, Inc.
State: FL

Complaint narrative:
They are making calls my job when asked not to do so. The last call was placed XXXX/XXXX/17. I work at a XXXX XXXX that does not wish to take these calls.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-03 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
Violation of Section 392.101 of Texas Finance Code which prohibits a debt collector or credit bureau from engaging in debt collection in Texas unless the debt collector or credit bureau has obtained a surety bond and filed a copy of the bond with the Office of the Secretary of State. Furthermore, Sec. 392.303 UNFAIR OR UNCONSCIONABLE MEANS. ( a ) In debt collection, a debt collector may not use unfair or unconscionable means that employ the following practices : ( 2 ) collecting or attempting to collect interest or a charge, fee, or expense incidental to the obligation unless the interest or incidental charge, fee, or expense is expressly authorized by the agreement creating the obligation or legally chargeable to the consumer.

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 2017-11-03 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: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
Walmart rejected a credit application several months ago. I received a prequalified certificate in the mail in XXXX. I called on XXXX XXXX and asked would an additional credit report be ran and the representative said no. Based on that answer I accepted the offer. 

The application was again rejected and an inquiry was made to reduce my score.

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 2017-11-03 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount — 
Company: Cottonwood Financial Ltd.
State: TX

Complaint narrative:
XX/XX/XXXX, 2017. I had received several phone calls from the CashStore in XXXX XXXX, Texas. I 've been dealing with the company for several months. I informed the company that I am on XXXX, and I receive my check on the 3rd of every month. My bank account has constantly been overdrawn. As a result, I gave up my car in repossession. I 'm under doctors care! Only now did I notice that the first 2 payments were scheduled on the 3rd, as per our agreement. The next 2 were scheduled on the 2nd and the final payment is set for the 1st and 31st ( This means not only will I be overdrawn, but I 'll have 2 payments in 1  month. ) Overdraft fees are {$35.00}. This takes away money for food and my co-payment for my medication. The VA does not accept XXXX or XXXX or XXXX XXXX XXXX insurance. My only sister is in XXXX XXXX XXXX and just recently admitted to the hospital due to her XXXX XXXX XXXX. I have no way to go see her. At this time, the VA van will only carry the XXXX XXXX, this is the reason I got the car. Being is financial trouble, I went to the cash store. Once she allowed me to make a minimal payment. The president has vowed to cut social security XXXX payments. I only receive {$15.00} a month. {$35.00} overdraft fees hurt tremendously. Most of the repayment is interest, over {$400.00} for {$350.00} loan. I simply ca n't afford it.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: MI

Complaint narrative:
We have been working with SPS since XXXX XXXX on the short sale. They have repeatedly delayed the file and we have lost numerous buyers. We had an offer in XXXX for {$250000.00} - even though the value was only {$240000.00} they countered the buyer. The buyer finally walked in XXXX XXXX just as the bank issued a short sale approval letter. We relisted from XXXX until XXXX when we received an offer for {$230000.00}. SPS rejected the offer. We relisted and obtained and submitted an offer in XXXX XXXX for {$240000.00} - the actual value of the home, per SPS. 
Today SPS has countered the buyer, advising they require a NET of 95 % of the appraised value. In a short sale the bank ( SPS ) is legally obligated to pay the realtor commission, transfer tax and title insurance. This means unless the buyer pays SUBSTANTIALLY over market value for the home there is no way to get them 95 % of the value as their NET. This is another attempt for SPS to force my client into foreclosure. My client is a double amputee and is wheelchair bound - he can not live in this two story house. This is the second CFPB complaint against SPS on this particular file.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-03 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: EQUIFAX, INC.
State: TX

Complaint narrative:
On XXXX XXXX I checked my credit reports and I saw a debt that I did not recognize. The original creditor was XXXX for the amount of {$470.00}. I disputed the account on XXXX through all 3 credit bureaus. On XXXX XXXX, XXXX the account was removed from all 3 credit bureaus due to company unable to verify the debt within the time frame given. However, 1 year later,XX/XX/XXXX the account re-appears under a different account number with a collection agency XXXX. XXXX is now in direct violation of the credit law by keep reselling this account. They removed it and then re-added this account several times which is continually ruining my credit. I have been asking this company to verify the debt. I have disputed this to the credit bureaus several times as well as directly with the company and original creditor and no one has been able to verify this account. Please remove this account from my report it does not belong to me and it is affecting my credit report negatively making it difficult for me to obtain new credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-03 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: WI

Complaint narrative:
As a result of the Security Breach at Equifax Credit Reporting Agency, I signed up for their Trusted ID Premier Website to monitor my Credit Report in XX/XX/XXXX. OnXX/XX/XXXX, I received 2 letters from XXXX XXXX one dated XX/XX/XXXX requesting additional information on my account about a dispute that I sent to one of the credit bureaus & one on XX/XX/XXXX requesting the same information on my 2nd account with XXXX XXXX. These accounts are definitely mine & are in good standing with no missed or late payments. I did not send any dispute letters to any Credit Reporting Agency disputing anything with XXXX XXXX. Yet, on XX/XX/XXXX I received from Equifax Credit Reporting Agency a credit file datedXX/XX/XXXX stating that these 2 accounts were mine as a result of their investigation/re-investigation. They also placed a comment of disputed by consumer as a result of investigation/ re-investigation on my credit report. This is fraudulent activity being done by Equifax with my Credit Report.

Company response to consumer: Closed with non-monetary relief