vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-03-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: General Motors Financial Company, Inc.
State: IN

Complaint narrative:
The car, a XXXX XXXX XXXX, was purchased in XXXX for approximately {$18000.00} with a 6-yr term. The final payment was due to be made in XX/XX/XXXX. They offered a two-month deferment at some point during that period which was accepted. The understanding was that the final payment would now then be due XX/XX/XXXX. With all of the interest and fees, an {$18000.00} car ended up costing in excess of {$36000.00}. 

On the GM Financial app, there was a countdown to the number of payments that were to be completed for the 72 months. In XXXX it stated there was only one payment left ... I later found out that there was an additional {$6000.00} owed on the vehicle. This seemed impossible provided that I had been paying on the car for 6 years. Upon calling the company, they tried to tell me that the extra {$6000.00} was a result of interest that accrued with the deferment and also late payments along the way. While it is true that I ran into financial difficulties and had a run of late payments, I paid those late payment fees and now I feel like I am being double charged for it. 

The car, in fair condition, its only worth about {$1200.00}. It makes no sense to pay GM Financial another {$6000.00} on a car that was only purchased for {$18000.00} when they received {$36000.00} for it. I offered to settle with them for the value of the car. They are not willing to accept that. I should not have to pay them anything else!! I am to the point of asking them to just do a voluntary repossession, because theres no justification for paying them any more money for this car that is falling apart! I agreed to continue paying on it in fear that they would come and repossess it if I did not make an agreement. But, I have no intentions of continually making payments for the next year as it DOESN'T MAKE FINANCIAL SENSE!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am a victim of identity theft

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 2020-03-27 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: IL

Complaint narrative:
Confused how naviant is using my payments on the loans. Cant call them because need a lawyer. The XXXX me everytime in repayment. I have bill and the make my payments to what ever loan to charge more interest. Naviant is defrauding the American student. Put lates for no reason on credit report and lie

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-27 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: NCB Management Services Inc.
State: SC

Complaint narrative:
I reached out to NCB Management ( XXXX and XX/XX/2020 ) in regards to a collection with them that was included in a chapter XXXX bankruptcy that was discharged. They received the paper work from my Lawyer ( XXXX XXXX XXXX in XXXX, SC ). Per my conversation with the representative she stated that they received the paper work from my lawyer and the bankruptcy court but they will not change the way it is listed with the credit bureau, she stated that is the way they report and nothing will change.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-27 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: General Motors Financial Company, Inc.
State: MI

Complaint narrative:
After turning the vehicle in at the end of my lease, vehicle was XXXX miles under allotted miles, vehicle was in great shape. Received letter from GM financial on itemized breakdown of the remaining amounts due on my account. No charges on excessive wear, past dues, lates fees etc. but I was charged on one fee and that was, a Disposition Fee. I was not informed at the time of signing about this fee, this fee was buried in with all the other lines and numbers, a total of approximately 100 different entries and was not reflected in the final numbers at the bottom of a 2 foot lease. Also, when looking for the definition of, Disposition fee, I found it under the return of the vehicle about two thirds into the XXXX worded back side of the lease, one small line stating, " the item 4A disposition fee unless this fee is waived under item 23 ( t ). ( 4A being the disposition fee buried on the front of the lease as I stated earlier in my letter but fee not being shown in the final numbers. ) Now going down to 23 ( t ) it states, Disposition Fee Waiver : The item 4A Disposition Fee will be waived if you purchase or lease a NEW General Motors vehicle when this lease ends. NOW think about this, I am being charged {$390.00} dollars for Disposition fee, .XXXX  XXXX  for past due payments, and {$23.00} for tax, Totaling {$410.00} dollars due. because I didn't buy another vehicle from GM. This is legal extortion!!!!! How can a government allow a company to charge someone a large expensive fee because they either could not afford to purchase a new vehicle again or was not happy with the vehicle ( GM ) they purchased. When I told GM financial in a phone call that this fee was not presented to me at the time of signing and I did not initial the disposition fee line stating that I was aware of this fee, that this was legal extortion and I would not pay the XXXX. They, GM financial then stated that this would go on my Credit Report for non-payment. Now, I own a restaurant, why should I not be allowed to charge a customer of mine a disposition fee of XXXX bucks because I found out that they went to a competitor of mine and purchased a sandwich from them. I believe this action by the BIG companies should not be allowed and the government needs to step in and stop this practice. I have filed a complaint with the Attorney Generals office, my local State Representative, XXXX XXXX, my US Senator XXXX XXXX and now here. Thank you for your time, XXXX XXXX, XXXX, MI. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-27 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: BlueChip Financial
State: FL

Complaint narrative:
On XX/XX/XXXX a loan was granted in my name. I never applied for a loan aor any loan for that matter with this company. However, they have contacted me by phone and email trying to collect payment from me on XX/XX/2020. I returned their calls, but alas, they do not have voicemail. I wrote them a kind letter stating that I did not apply for a loan with them. They sent me documents that ask for my personal info, including my bank account info ... red flags there ... I have yet to reply or fill anything out pertaining to this. They say that I am a victim of fraud, and I need to pay the loan regardless. The loan amount is for XXXX. 
I have not signed any documents, or provided them with any of my financial information. 
It really sounds like they are fishing for my personal info ... .. 
The Company /Loan provider is Spotloan They have not provided me with any documents with my supposed signature ...

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Riverwalk Financial Corporation
State: MD

Complaint narrative:
i had opened the account and i bought a necklace from XXXX XXXX which is the original debt. My husband at some point and went in the store and have my name and address and charged items on my acct. that i wasnt aware of. If you charge something once you do not have to show the card and id. He has since passed away and XXXX XXXX has since gone out of business. I shouldnt have to pay a debt that isnt mine and i have nothing to whow for it

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Incorrect information on your report — Information belongs to someone else
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
XX/XX/XXXX, ,Continuing Issues About Settlement Payments,, ( from The XXXX, ,Unathorized Banking Accounts On XX/XX/XXXX And Ect, ,Any Other Issues Tied Together With That, ,Yes I Did Receive Some Information about This But It Doesn't Describe, ,On, XXXX, ,When? Where? And What Date?, ,This Is So UnAcceptable, ,These Matters Should. already Be Solved, ,ASAP!!,, So UnAcceptable Business!!!!

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 2020-03-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
see attatched XX/XX/2019 Statement. Ms XXXX Exec Resolutions Dept Confirms {$2.00}, XXXX USAA CREDITS PROVIDED TIMELY. SO I MUST TAKE HER WORD AS TRUTH. {$2600.00} USAA CREDITS WERE PROVIDED XX/XX/2019 and After careful numerous reviews ALL INTERNAL CALCULATIONS ARE CORRECT. There is a Serious Accounting ERROR USAA DISMISSES. Kindlly Note {$2.00}, XXXX USAA TEMP OTHER CREDITS plus + {$910.00} TOTAL CREDITS MERCHANTS= {$3600.00} EARNED CREDITS. IN MY FAVOR. Ms. XXXX Confirmed New Purchases XX/XX/2019 total {$860.00} plus + Previous Balance {$1.00}, XXXX = $ {$1.00}, XXXX DEBITS EARNED XX/XX/2019. {$3.00}, XXXX CREDITS EARNED XX/XX/2019 ( - minus ) {$1.00}, XXXX DEBITS EARNED. ( BALANCE XX/XX/2019 IS THEN ( - ) *** ( MINUS - {$1600.00} ) *** Statement Balance Calculated by USAA Ms XXXX in Exec Resolutions Department {$960.00} IS NOT ACCURATE ACCOUNTING ** MY BALNCE XX/XX/2019 CLEARLY IS $ - XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I WAS RECIEVING MAIL AND PHONE CALLS ABOUT DEBTS THAT I WAS UNAWARE OF SO I DID MY INVESTIGATION AND CHECK MY CREDIT REPORT AND NOTICE THERE WAS DEBT I KNEW NOTHING ABOUT SOMEONE HAD USE MY PERSONAL INFORMATION I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX  CRAs. On XX/XX/2020, I mailed XXXX, TransUnion and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

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 2020-03-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OZK
State: TX

Complaint narrative:
Bank of Ozk closed my checking account and I still had remain balance in there, but I didn't receive my funds

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-27 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: MD

Complaint narrative:
We closed on our home on XX/XX/XXXX. This mortgage has been paid in full. Freedom Mortgage remitted our escrow refund for accrued taxes in a fairly timely manner. Because our homeowners insurance was escrowed as well, XXXX ( our homeowners insurance policy holder ) refunded the overpayment of our policy back to Freedom Mortgage in the amount of {$870.00}. This was received by Freedom Mortgage on XX/XX/XXXX. They admit they need to issue a second escrow refund but they can not seem to figure out how to do it in the system and get the overpayment remitted back to us. I have called multiple times, they have put notes in the system, I have asked to speak to a manager, which they deny. They said a manager will return my call, which they do not and it has been six weeks and they still have possession of my funds.

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 2020-03-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
Venmo limited my account and refused to lift the limitation and I still have fund of {$830.00} in my available balance and they are refused to fund me my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-27 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: FL

Complaint narrative:
I WAS RECIEVING MAIL AND PHONE CALLS ABOUT DEBTS THAT I WAS UNAWARE OF SO I DID MY INVESTIGATION AND CHECK MY CREDIT REPORT AND NOTICE THERE WAS DEBT I KNEW NOTHING ABOUT SOMEONE HAD USE MY PERSONAL INFORMATION I am writing to request and initiate a formal complaint against Equifax, XXXX  and XXXX  CRAs. On XX/XX/2020, I mailed Equifax, XXXX and XXXX   to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-27 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I WAS RECIEVING MAIL AND PHONE CALLS ABOUT DEBTS THAT I WAS UNAWARE OF SO I DID MY INVESTIGATION AND CHECK MY CREDIT REPORT AND NOTICE THERE WAS DEBT I KNEW NOTHING ABOUT SOMEONE HAD USE MY PERSONAL INFORMATION I am writing to request and initiate a formal complaint against XXXX, XXXX and Experian CRAs. On XX/XX/2020, I mailed XXXX, XXXX  and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

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 2020-03-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I am aVICTIMof inaccurate/unverifiable/invalid/outdated and/or possibly even fraudulent misinformationa, within my Transunion credit report. This denouncing of themis-reporting/mis-informationaffidavit is to assert my command that you, asregulated, produce physically countersferfederal laws of my disputes or accept and facilitate my request that you either delete/or block at a minimum the following unconfirmed / yet-affirmed/ outdated/ misreported/ merged/ unrecognized/ and-or fraudulent information from my credit record. I demand to be convinced ( as mandated ) that you can adequately evidence in requisite precisely how the misinformation come to take place if even at all, with my knowledge AND authorization in writing of any person/ persons/ or entities that might be irrefutably responsible or even that I factually received any money, goods, or services as a result of the disputed misinformation ofINACCURATE MISINFORMATION/ UNVERIFIABLE & INVALID INFORMATION/POSSIBLY FRAUDULENT information and/or even possible of Identity Theft hence myutilzationof this manipulated Identity Victims Complaint and Affidavit

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 2020-03-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: Ocwen Financial Corporation
State: NJ

Complaint narrative:
I paid {$7500.00} in XX/XX/2019 and they reported me as late to all 3 credit bureaus. They have damaged my credit report. I want this removed or else I will sue and contact news networks.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
I signed up for the Capital one Quicksilver rewards card on the Capital One website in XXXX. The card is running a promotion where you receive a {$150.00} bonus after your first {$500.00} in purchases within three months. I for a fact that I applied using the link they told me to because I had the same problem opening a checking account with a different bank where I didn't qualify. I was careful to take every step necessary to fulfill the requirements of the promotion. I then spent the {$500.00}. I did not receive the {$150.00} bonus. I called Capital one and the woman on the phone kept putting me on hold saying the she could not find the problem due to a system issue. She eventually hung up on me while I was on hold. This was after a half hour phone call. This offer is still being promoted right on the website.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: IA

Complaint narrative:
To whom it may concern. 

I am calling regarding loan number XXXX under XXXX XXXX. I am XXXX XXXX and the contractor currently repairing the fire damaged property. I and Mr. XXXX have been trying to get hold of your company for 2 months now pertaining to incorrect 1099 sent to me. In 2019, you sent me a total amount of {$50000.00} for repairs on the property ; however, you sent me a {$64000.00} 1099. 
Please send me the correct 1099 as you are delaying my company filing taxes.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I received a promotion by mail for an American Express card. I have repeatedly asked American Express to stop sending me advertisements. Today, i received another card promotional advertisement to XXXX XXXX XXXX XXXX. I told American Express after i was sent and denied my last application to stop sending me these mailers. American Express has sent me another mailer, even after i have made multiple requests for this action to discontinue. I have also registered my name to stop receiving these and now American Express uses the deceptive practice of mailing to my business name, which still requires my SSN which i have expressly requested stop be included in promotional credit card offers.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-27 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I closed a my XXXX  mastercard back in XXXX because my card was stolen. I have called the creditor and also sent letters. The card has always reported as closed and XXXX  balance. I disputed recently in XXXX with experian. Recently its now showing a balance of {$520.00}. The card has been closed for months how would a closed credit card carry a balance at all. I have never been able to use this card. The creditor Mr XXXX agreed to remove this from my report, I also have written letters directly to creditor. Experian was reporting two accounts from the same creditor one with XXXX balance and one with balance of {$520.00}. Also this is a closed account experience dropped my score 56 points and is including this balance in with my open credit card usage.

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