vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-04-10 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
Since late last year in the XX/XX/XXXX timeline, Ally Bank, despite advising me that I qualified for a payment extension of part of my amount due, has refused to extend my payments as it has done for others and as XXXX, our other vehicle loan bank, has done. At one point, they literally put a gun to our head and forced us to make a payment in the amount of XXXX dollars via an instant payment service and then told us our extended payment had not been approved. The latter, after the representative had told us that we qualified and had been approved, in addition to telling us that the payments would have to be 90 days past, at least, before they consider sending it for repossession. In addition, they continuously call our home and cell numbers and harass both my husband and I. 

In the meantime, they are collecting and adding {$20.00} of late fees that continue accruing, now totaling {$290.00}, in addition to continuing reporting derogatory information about my person to the credit bureaus on a monthly basis. Their XXXX-based call centers are full of incompetents who are always escalating to the next level up and when one believes there is a solution, they hang up and one has to start the process again. Today, I tried to discuss the issue with them again and the same result. Fed up with the biased, prejudiced, discriminatory, predatory and bad-faith actions of this bank. Why is Ally disallowing me what it allows others to do? No difference is circumstances. I am tired of the cat and mouse game and am calling them out on it. 

I look to your forwarding of this complaint to a most despicable financial institution, one that has a track record of abusing and discriminating minorities. It seems the fines levied against them for abusive discriminatory practices have not taught them the lesson. 

I am not worried about the vehicle being repossessed as I am presently only {$300.00} of the {$400.00} for the XX/XX/XXXX payment behind and the next payment is due on XX/XX/XXXX, with a no penalty, 10-day grace period. 

Thank you for your assistance. XXXX XXXX. 

I do not

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 2017-03-24 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This company has XXXX reports on my credit for internet loans of which I have no knowledge from another company. I have disputed more than once and they will not change nor provide any signed contract. I have been working on my credit and this I the main thing holding me back and I do n't now what to do next to take care of it. 



XXXX XX/XX/XXXX Closed {$1200.00} Account Details Last Reported XX/XX/XXXX Collection Agency XXXX Original Creditor XXXX XXXX Status Closed Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Balance {$1200.00} High Balance {$1200.00} Remarks Account information disputed by consumer, meets FCRA requirements Item Results Result : Based on your dispute request, TransUnion has included new information on your TransUnion credit report. 
Dispute Reason Ownership : I have no knowledge of this account. 
XXXX XX/XX/XXXX Closed {$0.00} Account Details Last Reported XX/XX/XXXX Collection Agency XXXX Original Creditor XXXX Status Closed Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Account. 
Balance {$0.00} High Balance {$650.00} Remarks Consumer disputes this account information Collection account See something wrong? 
You could dispute an error with XXXX. 
Manage Your Collections Accounts

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 2017-03-18 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: HEARTLAND PAYMENT SYSTEMS INC
State: FL

Complaint narrative:
my husband has a student loan that in  XXXX  different agencies, still default but  XXXX  of them told us to do a rehab program for 9 months just {$5.00} a month ( this is only we could affo rd )  so it will be out of default once this rehab is over. But they told us to call the another agency to do the same with them, the problem is their program right now that is available to us is {$100.00} a month for rehab. I spoke with the dept. of education few wks ago and they said it should be all the same if that only we could a fford (  {$5.00} a month ). Right now this other agency that 's collecting {$5.00} from us still garnishing my husband wages until 5 months of rehab is done, we can not do {$100.00} for this another agency, it is too much for us family, we are really struggling with money. thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-23 00:00:00
Product: Consumer Loan — Title loan
Issue: Charged fees or interest I didn't expect — 
Company: Car Cash of Lawrenceville LLC
State: NC

Complaint narrative:
Recently I began to be harassed via text messages by this compa ny. Car Cash of Lawrenceville.  Located in  XXXX  GA.   XXXX   XXXX   accepted my payment agreement for this months payment and because I asked to please stop texting me at work, she began to get nasty and advised that I must pay the corporate office not only this months payment that is due  XXXX   XXXX     XXXX    but also next month 's payment due on  XXXX   XXXX   XXXX  immediately. She is being spiteful and threatening a warrant for my arrest and says if I do not bring the car in immediately they will reposess it. I am not 30 days late. My due date is  XXXX   XXXX   XXXX  and I advised  XXXX  that I would pay that before the end of the month which she said was actually ok to pay by the middle of  XXXX . I have attached the text messages and her latest email to me advising that I owe more fees and money than my knowledge. She and  XXXX  who also calls herself  XXXX  on my voicemail have told me they will not accept my monthly payment without  XXXX  's included. I never signed paperwork that I must pay a payment month in advance. I am paying my responsibility to them and because I did not give her exact dates on the spot and asked her to please stop texting me during work hours, she now is angry and demanded full payment or my vehicle!! I have been paying this title loan since  XXXX    XXXX   and even if I was late with any payments   XXXX   advised me that it was ok as long as I communicated that with her and the next date that I can pay. Now I am afraid for my life and my children 's as these people are threatening my safety and saying that I have to go to court in order to keep my car,,, but for what?? I am within a week of my due date and they say they will not accept it. I also did not sign paperwork in my initial ; contract that they can reject a payment without reason whenever they choose. Please Help!!!

Company response to consumer: Untimely response
Consumer complaint received 2017-03-31 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: MD

Complaint narrative:
Spring leaf/OneMain XX/XX/XXXX I filed a complaint with CFPB under XXXX. 

I found that there were more issues than I has originally realized. 
I have OVERPAID this account more than {$21000.00} I had been paying on this loan from on or about, XX/XX/XXXX - XX/XX/XXXX. That is almost 12 year. I have made many requests to get a copy of my complete financial report for that period, to calculate my exact OVERPAYMENT. *OneMain 's representative, XXXX , Executive Office of Customer Care , XXXX, advised in her response to my complaint with CFPB , " that I was on a recorded line. When I would not accept her offer, suggesting she needed to address my additional concerns, XXXX XXXX said she had to speak with her paralegal, before agreeing to give me my financial history. XXXX came back and advised that since I had not accepted her proposal, she would send it to CFPB along with her response to my complaint. Her letter dated XX/XX/XXXX, to CFPB, indicated there was an attachment. I spoke with CFPB, Agt XXXX XXXX, who advised no attachment was received. I had been asking XXXX for my " Account Transaction History '', since XX/XX/XXXX. Many promises have been made, but the history of what was done with my money was never sent by XXXX. 
Proof of advancements has not been provided XXXX stated, XX/XX/XXXX, that I had made XXXX additional " lines of credit '', increasing the loan almost an additional {$4000.00}. I requested that the proof of these advancements be provided. This would mean thatOneMain states it is showing {$14000.00} was loaned, including XXXX amounts {$490.00} and {$560.00} less than days apart. I would like to see the proof that these advancements were made by me. 
Despite the fact that I have regularly payed on this loan for almost 12 years, my balance with OneMain still shows it is almost {$9500.00}. According to XXXX, OneMain will allow me to continue paying, but with the interest rate reduced to XXXX. Further, OneMain says it will waive {$660.00} in late fees. This last files in the face of a statement from XXXX where she says, in her email to CFPB XX/XX/XXXX, ... '' However, your account has received consistent principal reduction since your payments were made timely. '' ... " and no late charges assessed to your account in the future. '' ( Same email XX/XX/XXXX ) How can OneMain refuse to give mean actual history of the money paid from XX/XX/XXXX to XX/XX/XXXX. I made my last payment to OneMain in XX/XX/XXXX after reviewing and calculating the status of the loan from my own records showing what I believe to be approximately {$21000.00}. If OneMain disputes this amount, then where is the account history.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-16 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
It came to my attention recently that an ex-girlfriend had fraudulently used my Chase credit cards. One had a limit of $ XXXX and the other $ XXXX. I notified Chase and filed a police report. The fraud included a gentleman facilitating phone calls and posing as me. Both parties have been charged. Immediately Chase told me that they would close the account, reverse the charge and issue a new card. I closed my bank account, and Chase told me to not only do that but go to my bank and request a return of payments that were connected to my account. About three days later, Chase called and said that since i had been a beneficiary of the fraud, even though it was unknowingly, they could not substantiate it as fraud. I agreed to handle the process through the courts to seek the return of property acquired and restitution. In the interim, I attached a new bank account and returned the funds that they had returned to my bank, as well as made another payment. Though the fraud was only on the Sapphire card, I found that both cards said " account closed '' when I logged on. The specialist I talked to promised me that I would be issued new accounts, and I need only continue with my payments. When I called to speak with Chase about the accounts being closed, they offered that they had done a random credit check, and though no other accounts on my credit report had changed, they cited " a rapid increase in balance '' which was the fraud on the Sapphire card, and ( 2 ) a returned payment, which they informed me to pursue. I have never made a late payment with them, even with the fraud occurring. Further the balance of the other card that was not affected was $ XXXX of $ XXXX, which I was logging on to pay. I had previously opted out of pre-screening offers, so their rationale that this was a random credit check was bogus and an outright act of deceit. The other card is at $ XXXX of $ XXXX with the fraud. The fraud included one major purchase that the woman and her accomplice made, so I am unsure of how a rapid increase of spending is justified. I believe that this is unfair and deceptive business practice, as all of the actions taken were under the advisement of Chase. As well, the specialist was dishonest with me regarding next steps regarding the status of my account. Again, the Marriott Rewards card had no bearing on the other account, nor did I allege any fraud. I was able to retrieve items from the authorities and return them for credits to that card.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-05 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My account with XXXX, a collections agency was reporting fraudulently and was misrepresenting my character. The company was removed from my credit reports only to be re-inserted unlawfully. 15 U.S. Code 1681 states the agency must notify myself in writing 5 day after re-inserting a collection on my credit it also states that thorough investigation must be done and a record of said investigation be given to the consumer ( me ) .Experian has failed to provide me with any evidence of an investigation and or notice of re-inserting the item on my credit.

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 2017-04-07 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Manhattan Beach Venture, LLC
State: NM

Complaint narrative:
I do not owe Student Loan Relief Department " SLRD '' any money as they did not apply for a loan relief or any other services for me but I applied myself and as a matter of fact they do not have my wife 's SSN which is necessary to apply as we file taxes jointly. XXXX XXXX, XXXX XXXX, and XXXX XXXX know that I do not owe any money and slrd never applied for me and I have email proofs from them. This happened many times before slrd or their collection try to collect this money from me and when I contact them they say it was a mistake and no one will contact me any more then few weeks later they come back and try to collect the money again. Please check their F rating in BBB and their failure to respond to any of the complaints filed against them. Please help thousands of students this company trying to rip off by stopping their illegal practices to collect money they are not entitled to.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-20 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
We have to come back to case number XXXX. This case was opened against XXXX XXXX.XXXX answered and we tried in the meantime to clear the matter with the realtor who sent the money, with XXXX who originally originate the money transfer as well as Merrill Lynch , where we have our account. After long researches it came back to the matter, that Merill Lynch got the money transfer XX/XX/XXXX and was not able to find out the final recipient, even we have our bank account nearly 30 years with Bank of America and now XXXX. I told Merill Lynch already on XX/XX/XXXX by e-mail, that we expect an wire transfer from XXXX for about XXXX XXXX. I was in constant contact with XXXX from Merril Lynch regarding the payment and sent them copies of the Italian wire transfer. 
With a letter of XX/XX/XXXX Merill Lynch told us, that they do not pay for the loss in exchange rate XXXX/Dollar because of the delay. We lost XXXX because Merill Lynch was not able to locate us and was sitting about 4 weeks on the money before they finally returned it to XXXX. And during this 4 weeks, the amount was no where to trace, because Merill just kept it. 
Following the XXXX bank it is unlawful to keep money that long. In XXXX you have to clear a matter within 3 days. 
We do not accept, that Merill kept the money that long and caused this loss in exchange rate. We hold Merrill responsible for - not finding our account - even they had from the beginning our informations - holding the money for that long and making it disappear from any trace We want our loss in the exchange rate paid from Merrill Lynch and ask for your assistance in this matter. 
Should you need any copies of correspondence etc. let us know, we can provide everything

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 2017-02-12 00:00:00
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Debt Restoration Services
State: MD

Complaint narrative:
On XX/XX/XXXX, I received a voicemail message from a " XXXX XXXX ( sp? ) '' claiming to be the Director of the Board for the Fraud Department of Debt Restoration Services. He stated they have been attempting to contact me for the past five months concerning a pending civil suit against my name and social security number for maliciously attempting to defraud a financial institution for theft of services. He went on to state they will attempt to freeze my assets including any anticipated tax returns, including a wage garnishment. He advised that I should call XXXX ext. XXXX. On XX/XX/XXXX, I received a validation of debt letter from XXXX XXXX on behalf of XXXX XXXX XXXX via email. Please be advised that this complaint is in relation to a prior complaint filed with CFPB XX/XX/XXXX. Refer to Case number : XXXX. XX/XX/XXXX, the Federal Trade Commission filed a permanent injunction and monetary judgment against XXXX XXXX and their entities.

Company response to consumer: Untimely response
Consumer complaint received 2017-03-30 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: CA

Complaint narrative:
On or about XX/XX/XXXX my clients mortgage loan was transferred from XXXX ( XXXX ) to Bayview financial. My client was advised no to make the XX/XX/XXXX mortgage payment to XXXX, but to make the payment to Bayview. 
On XX/XX/XXXX, my client called Bayview financial and advised that she wanted to make the mortgage payment for XX/XX/XXXX and XX/XX/XXXX. On this day my client agreed to make two payment, through a Bayview Financial Check-by-Phone system which totaled {$4300.00}, and was written on check number XXXX. During this telephone conversation my client provided her bank routing number and checking account number from her XXXX checking account which ended in XXXX. 
On XX/XX/XXXX, my client again called Bayview financial to make a payment for XX/XX/XXXX. Although my client asked for the Bayview representative specific question regarding her loan, the representative would not release information to my client. On this day my client again completed a check-by-phone for the XX/XX/XXXX mortgage payment in the amount of {$2100.00}. My client used the same bank information that was previously used. 
Again on XX/XX/XXXX, my client called to make a mortgage payment in the amount of {$2100.00}, which was for the XX/XX/XXXX mortgage payment. During this conversation the Bayview representative did not inform my client that a check had been returned or not honored by her bank. My client specifically asked if there was a problem with the check by phone, and was advised during this conversation that there was not issue with the previous payments. My client utilized the same XXXX bank account, and the payment was withdrawn XX/XX/XXXX. 
On XX/XX/XXXX, my client and I spoke with Bayview financial and were advised that the mortgage payment completed on XX/XX/XXXX, and XX/XX/XXXX, had been returned as " unable to locate ''. During this conversation we requested that a research be completed regarding the check-by-phone, and the representative declined to open an investigation into this issue. 
Enclosed please find a copy of my clients complete bank statement for XX/XX/XXXX through XX/XX/XXXX. These statements confirm that my client had the funds available to make each mortgage payment at the time she provided the bank information. We request that Bayview review the call recorded for each transaction and validate that my client provided the corrected information for each payment, and that the Bayview representative failed to accurately input the bank information for each transaction. Also, if in the investigation, it is confirmed that Bayview committed an error when taking the bank information, I request that all late charges and negative credit reporting be removed from my client loan. Once this review is completed my client would like to make all of the payments on her loan to bring her loan current.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-06 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: CITIBANK, N.A.
State: AK

Complaint narrative:
I do n't have a Sears card anymore, I did n't Renew it. XXXX was in a bankruptcy OVER 29 years ago. I have ONLY 1 credit card. A XXXX card. Not late on payments

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