vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-01-08 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
I opened a santander Simply Right Checking account on XXXX XXXX and used a promo code to get {$250.00} if certain requirement are fulfilled such as direct deposit and bill pay. I fulfilled the requirements but did n't get the bonus because my account was closed on XXXX XXXX. According to the bank the account was closed because they did n't receive my signature card. I did send them the signature card and am not sure why they have n't received it. In addition, they did n't not notify me prior to closing my account resulting in some of my bill payments getting reversed costing me in fees.

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
Consumer complaint received 2016-01-12 00:00:00
Product: Debt collection — Payday loan
Issue: Communication tactics — Threatened to take legal action
Company: Lionstone Holdings Group
State: OH

Complaint narrative:
I received a message left on my cell number. The message was detailed stating that they needed to make sure I was around so I can sign for papers. My girlfriend received a message latter the same day XXXX/XXXX/2016 that was very detailed on her voice mail stating I needed to call a XXXX XXXX at XXXX that they received a claim against me under my name and SSN for file XXXX and she wanted to make sure I could sign for the papers for what is being filed against me. I was very upset and concerned and left worked and called the number provided. It went to a Lionstone Holdings Group who would not work out arrangements with me. They demanded I pay {$81.00} a week/ {$320.00} a month. 15 % of my weekly pay before I pay for my health insurance and other expenses. I told them I could not afford that arrangement and they said there was nothing else they could do. On XXXX/XXXX/2016 they called my employer. I told them I could not get calls at my work and provided my cell that they already have on file. I explained I am not permitted to answer my cell at work and the female states she would call later. She preceded to the call my cell within minutes of ending the call. I am willing to make reasonable arrangements on the matter however can not receive calls of these nature. They are upsetting, intimidating, and down right embarrassing. I kept the recorded messages if they are needed.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-09 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Shopping for a loan or lease — 
Company: General Motors Financial Company, Inc.
State: MI

Complaint narrative:
I purchased a XXXX Chevrolet Silverado from XXXX XXXX XXXX in XXXX, OH on XXXX XXXX, XXXX. I recently pulled my credit report and I am shocked to see multiple hard inquiries that I did not authorize.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-28 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
Been working with my realiter and the bank on a short sale for three years. When the bank switched names they stopped the process and we lost the buyer. We submitted more paperwork ans now the bank is refusing to look at the new offers we have on the house ans is trying to let it go ro a sheriff 's sale.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed
Consumer complaint received 2015-04-10 00:00:00
Product: Mortgage — VA mortgage
Issue: Application, originator, mortgage broker — 
Company: PRICE FINANCIAL SERVICES
State: PA

Complaint narrative:
Turned down for a VA loan by loan officer at price financial services.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-17 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: C.Tech Collections, Inc.
State: NY

Complaint narrative:
i recieved a collection letter from c-tech collections XXXX XXXX XXXX XXXX ny XXXX .... ( XXXX ) XXXX sue thosar who is named as the collection division manager ... ..it was a collection notice for a doctor bill ... .it is for XXXX dollars ... this doctor apparently is not within my approved doctors and saw my wife in the emergency XXXX ... .two issues arise for me ... # 1 ) i was never given the oppurtunity to accept or reject the doctor ... he was presented as, what we thought, was an employee of the hospital ... but he was an " outside contractor? " ... .hence how can i be charged an exorbitant fee for something that i was not informed about ... .. # 2 ) i was never sent a bill from the doctor and was never given an oppurtunity to speak with him reference paying any of his fees ... ..he was paid an inservice fee by my insurance of about XXXX bucks ... .his collection agency disreguarded that payment and sent me a bill for the entire amount XXXX bucks ... ..my insurance company states they paid him XXXX and there is no way they should be billing me the entire amount ... .this collection agency comes up on a XXXX search as doing this stuff all the time ... c-tech collections ... .they even use a different outfit to send out the " collection '' letters ... .it comes from a XXXX XXXX ... .a XXXX search of that XXXX XXXX XXXX a company that sends out these letters for all kinds of doctors ... .all using various codes and headings ... i believe this practice violates federal collection law XXXX sub ( XXXX ) ... .using various names to try and collect debts ... .it is so questionable that new york state has made the system illegal as of mid year XXXX ... .but our original bill starts back in XXXX XXXX ... .hence the attempt at collecting what i feel is no way owed to anyone!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-29 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: General Motors Financial Company, Inc.
State: MN

Complaint narrative:
I purchased a 2011 XXXX XXXX. GM Financial financed the purchase. I elected to purchase GAP Insurance ( was not required ). The amount of the installment contract was {$440.00} a month - {$460.00} with the optional GAP Coverage. I have since cancelled the GAP Insurance - but GM Financial continues to bill me the {$460.00}. If the {$19.00} a month is n't going toward the insurance - where is it going?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-07 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: General Motors Financial Company, Inc.
State: MD

Complaint narrative:
I want to make a complaint about a predatory loan with GM Financial. XX/XX/XXXX, I purchased a XXXX XXXX from XXXX of XXXX, the day after I drove off of the lot with the vehicle ( less than 24hrs later ) I had buyers ' remorse, I was still dealing with the loss of my mother and was not in my right frame of mind to make such a large purchase. I spoke to several people in the finance department and told them that I could not afford the vehicle and that I wanted to return it, but they refused to take it back, in addition to this it was the floor sample and the purchase price was {$15000.00}. There was a rebate on this vehicle. ( which I never received ). 
( a ) I purchased the XXXX for {$15000.00} ( b ) I gave them a down payment of XXXX. 
( c ) I traded in a XXXX XXXX with a balance of {$3000.00}, ( the blue book value was {$4000.00} ). 
( d ) After making my monthly payments for 5 years, in the amount of {$540.00}, totaling {$24000.00} ( per GM 's account history ) ( See attachment # 1 ) ( e ) I asked them to pick the vehicle up from the voluntary return location and sell the vehicle for the parts because the vehicle had new tires, a navigational system and other new items that I recently had installed ; after selling the vehicle I asked them to let me know what the balance would be so that I could make payment arrangements on the balance. 
( f ) They let the vehicle sit on the voluntary return location for a month before going to get it, by this time a storage fee had accumulated, which they were not willing to pay. The vehicle is still there, ( g ) I asked them if they would make me an offer they refused ; so I offered to pay them {$5000.00} to settle the contract, they refused. 
( h ) After tallying the total amount that I paid for this vehicle it come to {$26000.00} ; - XXXX based on their records ( See attachment # 1 ) - XXXX, down payment, - plus {$560.00} missing payment ( my bank statement/See attachment # 2 ) ( i ) After researching I 've found that this company has a history of practicing in a predatory manner and they have numerous consumer complaints ( See attachment # 3 ). I am requesting an investigation and assistance with cancelling the remainder of this loan. Since I 've already given them {$26000.00} on a {$15000.00} loan, and because of the debate that I was promised but never received.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-26 00:00:00
Product: Consumer Loan — Title loan
Issue: Payment to acct not credited — 
Company: Reverse Mortgage Solutions, Inc.
State: WI

Complaint narrative:
This is a extension of a problem we have with Reverse Solutions , Inc. Our mortgage number is XXXX. 

We have done all we were requested to do. Paid the amount asked, acquired flood insurance and now there is a mix up on their end and we have XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, Wisconsin XXXX harassing us and threating to forclose on our home. We are XXXX & XXXX years of age respectively an in fragile health and yesterday I lost my sister. They were extremely rude on the phone and we would respectively like some action taken to stop this harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-13 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: General Motors Financial Company, Inc.
State: AP

Complaint narrative:
First I am a retired XXXX XXXX XXXX, I am a XXXX. I have worked XXXX government. Currently I am at XXXX.My wife and I bought a XXXX financed through GM Financial.. In XXXX we requested a release letter to ship our car to XXXX. We have another car that we shipped, financed by XXXX. We shipped this car. GM refused to give us clearance authorization to ship XXXX out of country even though we have afull coverage.insurance through XXXX. GM denied our request. Currently our XXXX is in our garage at our house in XXXX. I have tried many times to get them to authorize shipping car. e are in good standing with payments, we are ahead in payments auto bank draft. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-15 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Taking out the loan or lease — 
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: CA

Complaint narrative:
was offered to switch out of my current lease early to a new lease for a XXXX XXXX. after negotiations I have chosen to proceed with that. The dealership took over my previous car and gave me a new car per contract. The dealership was suppose to payoff my previous lease. In addition, there was a missing part, a home charger, which was missing from a new car. what was offered was to keep my existing charger and they would order a new one, or to just keep my old one for the duration of the new lease as it serves the same purposes and has no difference from the new to the old car. First, month and a half after the transaction, my wife started to receive collection calls from Nissan as the lease payment was not done. The callers were rude, unyielding and not understanding of the situation. After contacting the dealership, it turned out that they neglected to process the return and failed to notify Nissan of the transaction. It took numerous calls, horrific conversation until the dealership finally paid off their obligation and the calls stopped. Now, in later XXXX a new letter arrived which stated that the lease return had an outstanding balance, which was incorrect as the dealership was taking over everything and bought out the lease. after contacting the dealership and expressing this concern, I was assured that this was going to be taking cared off. The reason why there was a balance was due to the vehicle being returned off of lease with no charger. This again was a problem as I was never given one and again was told by the dealership as there was a missing charger, to keep the one I had before. Again, the dealership failed to notify Nissan of this issue. At the same time, I contacted Nissan and expressed my frustration with this issue and described the issue to them, during which time I also filed a complaint against a dealership. Now my wife is receiving harassing phone calls at work saying this issue with the balance has been sent to collections, being rude and completely unapologetic, not caring of the issue and threatening. This is completely wrong, this is fraud and negligent. The public needs to know the hazards that this presents in doing business with Nissan and this dealership. They should not be able to operate in this misrepresenting manner to deceive the public and then collude to through them into this spiral of collections and proving their right.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-27 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: Brock & Scott, PLLC
State: VA

Complaint narrative:
I was XXXX of an organization, XXXX XXXX XXXX from XXXX XXXX. I turned the organizations checking account over to the new XXXX XXXX XXXX. However, I did not remove my name from the account because I was in the process of filing embezzlement charges against the XXXX during my tenure. The XXXX was suppose to close the account and open a new account. The new account was opened and the XXXX made personal charges on the account. The XXXX did not pay the account so they sent correspondence requesting that I pay the account. Upon explaining to the lawyer of Brock and Scott the situation about six months ago, that this was an organization I had not been apart of it since XXXX, the lawyer agreed with me. The lawyer form Brock and Scott sent a letter to me acknowledging that I did not have anything to do with the account as such my name would be removed. The XXXX failed to pay the account and earlier this month, I received a Warrant in Debt along with the XXXX for the amount plus attorneys fees. The lawyers will not take my call and keep saying that XXXX has made arrangements to pay by XXXX/XXXX/XXXX. This should resolve the debt. The problem I have is that I should not be a party to this debt regardless of what happens. Brock and Scott only sent the communications regarding this settlement to XXXX and not to me. These communications contained my Personal name and address. So now they are only communicating with the XXXX and not me but sending emails and letters addressed to me to the XXXX. This is a violation of the law and I want my name removed as previously indicated by Brock and Scott. The XXXX even signed a statement acknowledging that the debt is his. This was sent to the Brock and Scott but I have not received any response. To date, I have requested all correspondence sent to me about the debt from Brock and scott but they have failed to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-28 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: PLANET HOME LENDING, LLC
State: IL

Complaint narrative:
Since last Friday, XX/XX/XXXX, I have been trying to get a pay off quote from Planet Home Lending to refinance my mortgage with another lender. 

I was divorced on XX/XX/XXXX and my ex-husband 's name and my former married are noted on this account. 

My name was changed on XX/XX/XXXX. Planet Home Lending received my caurrent and valid dl, the divorce decree that also states I was awarded this property and the court order that I must refinance the property under my name and a XXXX they required I fill out and submit. 

Planet Home Lending has not had any problem accepting the monthly mortgage payment for the past 20 months from my checking account that has only my name. 

As of today, XX/XX/XXXX, they have not complied with this request. This has cost me more money for the daily Interest charged on the Principal balance and have delayed the refinancing of this court ordered decree. 

The account # is XXXX. 

Thank you.

Company response to consumer: Closed
Consumer complaint received 2015-03-25 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: MO

Complaint narrative:
We feel like we are being scammed out of our home. Rushmore Loan Management Services and law firm XXXX XXXX XXXX, XXXX. are trying to foreclose on our home. We completed a chapter XXXX discharge in XX/XX/XXXX. Neither of them had nothing to do with the bankcruptcy process. After the discharge was complete we started getting contact from Rushmore Loan Management. We told them that we owed them nothing and reported this information to our attorney. They tried to bully us into a modification. We said no. They sent us paperwork anyway saying we had a modification ( attached ) .XXXX again, we informed our attorney. Later we got a letter from XXXX XXXX XXXX saying they would foreclose and kept getting information saying we owe money from Rushmore Loan Management ( attached ). 
We received a lettter from XXXX XXXX XXXX saying that our house would be sold on the courthouse steps on XX/XX/XXXX ( attached ). On Monday XX/XX/XXXX someone from XXXX Foreclosures left a notice on our door. ( attached ). We did not get any legal documentation saying that they had went through the court system. Since they were not part of the bankruptcy process, we can not understand how they got the right to foreclose or modify our home previous home loan. We want it handled properly. We do not want to owe them or any one else any money when this is all over. We think this is a scam or they would have went through the court system for a proper foreclosure. Original home loan was with XXXX mortgage and then transferred to XXXX Mortgage ( attached ). Something is not right about the way this entire process is being handled.We want the federal and local law involved if a foreclosure is going to occur

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-26 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: First National Collection Bureau, Inc.
State: IL

Complaint narrative:
I paid the XXXX bill in full in XXXX of 2015. It is over 30 days and now the Collections Agency I paid the debt to is telling me conflicting information. I need this account removed from my credit bureau account. Please have this corrected at once. It is holding up my mortage. Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-15 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: FIRST GUARANTY MORTGAGE CORP
State: TX

Complaint narrative:
To who it may concern, Loan officer pulled credit report from all three credit breaus. The simple fact is it happened without my acknowledge and I made it clear from beginning I do n't want the credit report pulled. I made it very clear from the beginning of my conversation that I do not want to pull my credit before I am ready to do the refinance with the loan officer. I expressed it in writing by text message ( see attached screenshot ). 

I have contacted loan officer 's branch manger and he refuse to resolve the issue. 

Thanks for assisting with this matter and I look forward to hearing from you soon.

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 2015-08-28 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Gitsit Solutions, LLC.
State: TN

Complaint narrative:
My mortgage is with Kondaur Capital Corp. I have been tryin to get a payoff on my home since XXXX 2015. My daughter XXXX XXXX have contacted then as well. We have spoken to XXXX in which she refuses to call back or send my payoff on my home. We have spoken to her Manager XXXX XXXX several times and he never returns call nor has he sent my payoff on my home. I also left message for XXXX XXXX he has not returned my calls either. I have been asking for a payoff so I can pay my home off while I have the money. The second mortgage company XXXX XXXX. cant give me a settlement on my home lien because Kondaur refuses to send me a payoff.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-15 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: Dyck-O'Neal, Inc.
State: OR

Complaint narrative:
Dyck O'neal Inc has continued to report rolling XXXX+ lates on my credit report. We have had an agreement for a few years now on payment arrangement and I am paying on time every month and they continue to report this info every month.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-14 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: National Recovery Services LLC
State: AL

Complaint narrative:
this is my work number i have asked not to call my job

Company response to consumer: Closed with non-monetary relief