vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-07-18 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Security National Automotive Acceptance
State: NC

Complaint narrative:
I 've been with my financing company for almost 2 years now, and never really missed a payment. For 7-8 consecutive months in   XXXX    my payments were being withdrawn on time by this company without any problems. One month (  XX/XX/XXXX ) the payment decided not to come out and the company took it as a missed payment. I rarely check my account on bill day due to my knowledge of not having any money left. So for the next couple of month the payments continued to come out as if nothing happened. I never received a call or letter in regards to that one month that was missed due to not being taken out, which was also proven on my bank statements that the funds were available. So after a month or two went by and payments being made in those months ( XX/XX/XXXX  and   XXXX   & XX/XX/XXXX  ). I woke up one morning in the month of  XX/XX/XXXX  and my vehicle was gone. After getting in contact with the police department, I was told my vehicle was repossessed. I contacted the Finance company and was not given any cooperation with the situation on the matter. I was told I would have max of a week to pay the towing fee and 3 months worth of car payments totaling to {$1200.00} or my command will be contacted and car would be sold. After being threatened and hassled I received a loan to pay off debt to get car back which took 3-4 days. Then following this problem, for the months of  XXXX ,  XXXX  and XX/XX/XXXX  I was doubled charged a month of car payments of {$450.00}. After contacting the company they did not comply again, giving false payment information stating that I owed that months payment even though I was already charged for it. They then began to threaten to call my Commanding officer again if debt was not paid by a certain date. I was being hassled and repeatedly called every second by this company for months. I had to get a new phone number to resolve this issue.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Total Card, Inc.
State: FL

Complaint narrative:
I received a letter from Total Card Inc. that represent the client   XXXX   XXXX   XXXX   XXXX   charging me for a debt of   XXXX   that is not mine.
The date of the letter is   XXXX   XXXX  , 2017, but I just received yesterday and it says the original creditor is   XXXX   XXXX   XXXX   /   XXXX   XXXX   XXXX   XXXX   XXXX  .
I never had an account with   XXXX   XXXX   XXXX   or   XXXX   XXXX   so I don`t know why I am being charged.
I called  XXXX  and they don`t explain anything for me, they transferred my call to several people and no one can explain what this charge is about.
I also called TOTAL CARD INC. that represent the   XXXX   XXXX   XXXX   XXXX   and they also did not know to explain to me what is happening, they just told me that the name in the letter is someone else and they ask me to ignore it, but this charge is in my name and my address, I can`t ignore it!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-18 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC
State: GA

Complaint narrative:
I am requesting Nationstar Mortgage LLC to provide copies of documentation of Power of Attorney for   XXXX   XXXX   XXXX   XXXX   or   XXXX   XXXX   XXXX   XXXX   as Trustee. I would like documentation showing they have legal rights to recieve any payments or make any service to this loan

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: NY

Complaint narrative:
Consolidated my loans in  XXXX  ( had  Fedloan Serving  as my servicer since  XXXX  ) Have been on the  Public Service Loan Forgiveness Income Based Repayment pro gram Have been paying my loans with  Direct Deposit  since   XX/XX/XXXX     XX/XX/XXXX   changed my  Direct Debit Amount  and received an email confirmed that it my new application was accepted and that my first payment would be on schedule on XX/XX/XXXX  ; each previous payment was made on the  14th  of the month Received a letter in my paperless inbox in the  Fedloan  Serving System on  XX/XX/XXXX  that my direct debit was accepted but that I would be notified about when my payments would begin and should make manual payments until then.   When I logged into my account on  XX/XX/XXXX ,  my loan balance showed as {$0.00} and my consolidated loan information from  XXXX  had disappeared.   I called FedLoan Servicing on   XX/XX/XXXX   to check what had happened. The customer service representative said she had no idea but that she could notify the consolidation department I would be contacted by the end of the business day. She also said I could make manual payments through them on the phone so my account would n't be Delinquent.   I did not hear from anyone. I called  FedLoan  Serving back today and spoke to a different Customer Service Representative. He said that he also did n't know what was happening and would elevate this to his supervisors to look into. He said he could n't make a manual payment for me because they used the online system. He also said that if my account became delinquent, eventually they could override it in the system since it was due to a glitch on their end. He said to check back in in a week, but that there was nothing they could do until they figured out what happened. Finally, he confirmed that my loan was still there and accruing interest, there was just no way to pay it.     XX/XX/XXXX   my consolidated loan information reappeared, but since I was n't able to make a payment during those days, interest continued to accrue. I immediately made a manual payment, reset-up my direct deposit and called  FedLoan  Serving to check on my payment to make sure it would still count towards PSLF and to see about getting the interest overridden since I had been unable to make a payment because of a glitch in the system.     The women I spoke to did not listen, would not believe me that I was unable to make a payment due to a glitch in their system, and raised her voice to speak over me. Her ID is  XXXX . She insisted that there was no way to get rid of the extra accrued interest even though it was due to their system malfunction.     I would like the interest removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Santander Consumer USA Holdings Inc.
State: VA

Complaint narrative:
My wife and I got an auto loan on a brand new   XXXX   XXXX   XXXX  t through Chrysler Capital in XX/XX/XXXX . The amount financed was {$25000.00}. We have been paying for the loan every month since  XX/XX/XXXX  when the first payment was due. The monthly payment is {$550.00} and is due on the  XXXX  of each month.
As of  XX/XX/XXXX  the loan was current however the payoff amount was quoted as {$24000.00}! Of the payments we have made at least 9 of them ( that we know of ) went to interest only! I have been paying on this loan for over 2 years at $  XXXX /month and we only owe {$1000.00} less than when we started.
So on  XX/XX/XXXX  I contacted them to make a large lump sum payment of {$6000.00} to bring down the principal and bring the vehicle closer to its value to attempt to trade it in or refinance the loan. They would not allow me to make a payment online or over the phone by any payment method, for more than {$2000.00}. So I had to pay {$23.00} to have a personal check overnighted to them. They received it and posted it on XX/XX/XXXX  ( before the due date ). I then logged in only to see that of the {$6000.00} on-time payment they applied {$4800.00} to principal, {$1000.00} to interest, and charged me a {$130.00} fee! I immediately called and told them to apply my entire {$6000.00} payment to principal so I could pay this loan down. They said it would take a few days, and they finally posted it to my account on  XX/XX/XXXX .
Today I logged in, and despite paying them {$6000.00}, they are considering my loan past due. As of  XX/XX/XXXX  the payoff amount is {$18000.00}.
I feel we being completely taken advantage of. This was our first loan following a bankruptcy and we are attempting to rebuild out lives. At this point the vehicle is only worth {$8000.00} ( NADA average trade in value ).
At this point I have already been approved by another lender to refinance the loan, however they are not willing to send a payoff of more than {$16000.00} because of the vehicle 's value.
It is not fair that we are being taken advantage of because of a previous bankruptcy.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-18 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: Dealer Funding, LLC
State: VA

Complaint narrative:
DEALER FUNDING is the holder of the lien on the vehicle. On  XX/XX/XXXX  a postal money order was submitted as payment to the company which was deposited on  XX/XX/XXXX . The terms of the payment pursued a renegotiation of the contract which would make that payment handling full satisfaction of the claim. After lien holder deposited the money order, a letter was sent to Dealer Funding explaining the conditions of the renegotiation and their timeline in which to do so. After no response from lien holder, a second payment was made with a second letter still with no response. A third payment was sent but returned then resent again and then credited to the account. The company tried to reach out over the phone to renegotiate but was told to respond through the mail. On Tuesda y,   XX/XX/XXXX , the vehicle, the white   XXXX   XXXX   XXXX   XXXX   and sensitive materials belonging to the claimant were taken from the domicile while everyone slept by   XXXX   XXXX   XXXX  ,   XXXX   XXXX  . The company utilized   XXXX   XXXX   to locate the van The terms of the renegotiated contract were violated and now sensitive materials of utmost importance are within the van in the possession of a third party. Company was instructed not to contact by phone but insisted on calling.

Company response to consumer: Untimely response
Consumer complaint received 2017-07-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: CAVALRY INVESTMENTS, LLC
State: OH

Complaint narrative:
My wife has a credit card in her name originally from  XXXX  I believe that has a balance of roughly {$7000.00} from back in  XXXX - XXXX . Cavalry Portfolio Services in NY has supposedly purchased the debt from another company and is is trying to collect the amount owed through, what we believe, unethical/illegal means. They have contacted her uncles, parents, etc. to try and reach her. Now we have received a couple unsolicited letters in the mail from attorneys stating they can help resolve this debt that, according to court records ( who know where ) has been filed with Cavalry 's attorneys for lawsuit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-18 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Ad Astra Recovery Services Inc
State: TX

Complaint narrative:
I do not know the actual legal name of the person contacting me, but they are leaving voicemails saying they will serve me at my job or home with court documents and if i am not home will deliver the papers to my supervisor. I do not authorize such actions and i do not agree with this debit. I have no signed contract with this company, and they have failed to provide me with a signed contract i have with them saying i agreed to this debit with their company directly.  Ad Astra  refuses to VALIDATE this account. I received no documentation validating this debt as legally requested The right of subjugation does not exist for a stranger to the transaction.  73  AmJur  2nd, Section 90.  This company is required under the FCRA to have properly verified the accuracy of an account listed on my credit report. Where are the documents that you used to verify/validate these accounts? What is the name of the person in your company who verified these accounts? What documents did they use to verify them? Please provide me with the name of that individual, their business address, and telephone number.  Black 's Law Dictionary, 9th Edition, 2009,   defines  " Verify '' as, 1 )  " To prove to be true ; to confirm or establish the truth or truthfulness of ; to authenticate. ''  2 )  " To confirm or substantiate by oath or affidavit ; to swear to the truth of. '' and "  Verification ''  as, " Confirmation of correctness, truth or authenticity, by affidavit, oath, or deposition. Affidavit of truth of a matter stated and object of verification is to assure good faith in averments or statements of a party. '' Someone in your company must authenticate the documents in your files that were used to verify the disputed accounts and to do this they must have  1st h and knowledge of the alleged accou nt ( s ) an d all that has ever transpired for the alleged accou nt ( s ) , under oath and under the penalty of perjury. As I am sure that you are well aware, curre nt Federal case  law states th at, Consumer Reporting Agencies bear grave responsibilities to ensure the accuracy of the accounts they report on  and their responsibility must consist of something more than merely parroting information received from other sources. The Courts have also ordered that a  " Reinvestigation '' tha t merely shifts the burden back to the consumer and the credit grantor can not fulfill the obligations impose d by 1681 ( a ) ( 4 ). This is a request for VALIDATION. Provide me proof I have a signed contract with your company . Also provide every single debt statement i had through the course of the said account. Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it is a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-18 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: ALLY FINANCIAL INC.
State: MO

Complaint narrative:
I requested a Lease Buy out from my lease holder Ally Bank on    XXXX   XXXX   , the amount quoted was {$27000.00}. The amount was good until my next payment due date on  XXXX   XXXX .     However during my consult the next day at the dealer, they contacted Ally bank to obtain a buyout amount and received a quote of over {$30000.00}.       Clearly this significantly changed pricing for me to have that amount added to my next loan/lease.     To the least sophisticated buyer this could cause great financial hardship. Especially, if they did not attempt for themselves to obtain a customer buyout. That would have no idea why the buy-off [ minus  ]  dealers bid on your current vehicle would be high.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-18 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: Focus Holding Company
State: AR

Complaint narrative:
XX/XX/XXXX  : This appeared on my credit and I called the current debt collector of this   XXXX   XXXX   told them and I have never had an account with this company asked for proof to be sent I signed for this .. Proof was never sent and it was removed once I disputed this.. This was sold to another 3rd party debt collection agency and it has been put back on my credit ..I have disputed this over 6 times times and it was removed from my   XXXX   credit report but not  XXXX .. If this was mine I could have filed it under my bankruptcy in  XX/XX/XXXX .. And also  XX/XX/XXXX ..my apartment complex burned down .. I made the front page of newspaper that I lost everything.. my address does n't match wherever these people claim I had service.. no one has sent me proof of a bill or where I have signed a contract for this rogue account.. Where is the copy of my drivers license or signature on a contract??. This is not my account.. have no knowledge of this account.. this shows my credit under Focus Receivables Management   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    XXXX , GA   XXXX    XX/XX/XXXX  {$700.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: FL

Complaint narrative:
Morning, I have never done business with this company, I have never received letters from them. I have files a report with BBB. I have never signed a contract nor have this company ever verified this debt is mines.       Date :    XXXX   XXXX  ,2015  total {$500.00} Date :    XXXX   XXXX   , 2015  total  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 2017-07-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Got Chase Slate card and submitted balance transfer requestXX/XX/XXXX in the amount of {$13000.00}, money deducted from my account XX/XX/XXXX. I then called and confirmed it was successfully processed and they mailed out a check on XX/XX/XXXX.
2 weeks later, no check was received. I was concerned and i called again, they told me it takes anywhere from 14 to 21 business days. There 's nothing they could do. I had to wait. Then another week gone by, still nothing. I call again, same answer, i had to wait ... meanwhile my statement came out already and due onXX/XX/XXXX.
XX/XX/XXXX, finally 21 business days from time of request passed, i called them again. They told me the time frame started from time check was cut, which was XX/XX/XXXX. So wait till XX/XX/XXXX and see what happened.
Back and forth, no answer as to what happened. Then yesterday a manager i spoke to told me XXXX XXXX  rejected the payment and refunded my account electronically. The question is how would XXXX XXXX refund maker electronically when payment was never posted to the account? They have no records of such payment or transaction. The original payment was a paper check going to a local branch in XXXX with teller service. The branch does not have a way of electronically rejecting the payment. If they were to reject it or do n't know what to do with the check, they will mail the original check back to the sender.
Everything they told me contradict each other. One rep told me they are waiting for the check to be returned and another one told me it was electronically rejected or refunded by XXXX XXXX Very suspicious and they are definitely trying to hide something. They claimed the balance transfer is from credit card to credit card only, but their disclosures dont stay that. They try to use that against me and refuse to give me the money.
They did not credit me back until XX/XX/XXXX and i only saw that yesterday. But they adjusted the transaction date back to XX/XX/XXXX.
I suffer huge financial loss and emotional stress bec of this. I am awaiting for them to send me proof of everything.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-18 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: AmeriCollect
State: WI

Complaint narrative:
Debt Collection company Americollec t Inc  Loan agency in  XXXX , Wisconsin Address :  XXXX   XXXX   XXXX   XXXX ,  XXXX , WI  XXXX  On Monday   XXXX /17    at   XXXX   XXXX   the Company called Americollect Inc. and left a voice message on the Federal Bankruptcy Courts office line. They only identified themselves as a debt collection company with no other identifying information. This company called the previous Thursday    XXXX  /17    at  XXXX  in which I informed them to remove the number from their list. On Thursday    XXXX  /17    I was informed they would remove it and not contact the  Federal  Bankruptcy  Court  again but they did not obviously. I once again have told them to remove the  Court 's  Number but also informed them I would be filing a complaint.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: NY

Complaint narrative:
I was on an income driven repayment plan. I was supposed to update/ reapply for the plan. However, during that window I was very busy finishing my first year as an educator. I updated the payment plan as soon as I could, but not soon enough for the interest accrued during the income driven repayment plan to be added to the balance of my student loans.     Now I am unemployed again, and my total balance is thousands more than when I started. Please, there must be some sort of recourse here. I ca n't afford to give away thousands of dollars, especially when my education is n't finished. Thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
removal of lien comments from my file. Three previous attempts with Equifax over the last 5 years. Detrimental to my employment.
Liens have been released and are no longer being reported by the other   XXXX    agencies.
documents were resent and returned because the recorded used the incorrect last name when cataloging the documents. letter dated  XX/XX/XXXX  addressed to   XXXX   XXXX  , with an old address.

Company response to consumer: Closed with explanation