vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-03-09 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: HYUNDAI CAPITAL AMERICA
State: CT

Complaint narrative:
In XXXX of XXXX I received letters in the mail stating that I owed Property taxes on my car. The total of taxes owed was {$1800.00} for 3 years worth of back taxes. My car is leased so the company pays them directly to the town and then I pay them back with my car payment. I promptly mailed in paperwork showing that my taxes had been paid and I did not owe the money. A few months later I realized the charges were still on my account so I called the company and they claimed they never received my paperwork in the mail so I then proceeded to fax it to them on XX/XX/XXXX. They told me it takes 72 hours for faxes to be uploaded to your account so I called back a few days later and they claimed they had not received my fax. I then faxed the paperwork again on XX/XX/XXXX as well as sent the paperwork via certified mail on XX/XX/XXXX. I called back on Monday  XX/XX/XXXX because I had gotten a delivery confirmation of my certified letter. They stated that none of my faxes had been received and my certified letter would take up to 3 days to be uploaded to my account. At this point I asked to be transferred to the escalations department. The lady then tells me she is not sure why none of my paperwork has been received, but she will send me an email from a secured email address that I can send my paperwork to. I sent the paperwork on XX/XX/XXXX and called back on XX/XX/XXXX. At this point they tell me they finally had received my paperwork a few days prior, however, they need more information because the secondary taxes that were put onto my account were from a different town than the one I had originally paid my taxes to, so essentially the leasing company had paid my car taxes to two different towns. On XX/XX/XXXX I faxed and emailed over more paperwork showing that I did not live in the secondary town and my car was insured and registered in the original town I had paid to for the past 3 years. I called back on XX/XX/XXXX and again, they told me they did not receive anything but to try and email it again. I then emailed the paperwork to them once more and called back on XX/XX/XXXX. On this date they told me they still had not received my supporting documents so I ask to be transferred to a supervisor. When he gets on the phone he tells me he is not sure why nothing is coming through and gives me another fax number to send my documents to. I tell him I will try to fax the paperwork again, but would also be filing a complaint at this point.

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 2020-03-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
On XX/XX/XXXX, we received an alert on the Positive Pay Exceptions, a Citi Bank system to detect irregularities, for one of  the checks ( {$200.00} ) issued by my employer indicating a duplicate presentment of a check on XX/XX/XXXX, asking our action to take. We immediately requested " Stop Payment '' via the online banking. With regard to the Positive Pay Exception, the said check was issued to one of our colleagues. 

The check was physically deposited with the original paper document by the employee, not via the check photo, at which the custody of the original document transferred to the bank for further processes. The colleagues bank is also Citi. We asked Citi to investigate the incident and inform us of findings. The response was, " With the increased use of check scanners and banks allowing photos of checks in order to make deposits, Citi does not physically receive checks in most cases. When the depositor retains control of the check, it is not unheard of for checks to be presented more than once. I have requested that the duplicate posting be reversed and will let you know once that is complete. Please let me know if you have any questions. '' However, this comment was totally irrelevant because the deposit was made with the original paper check. Even though there was no monetary damage caused to us, such an attempt for duplicate presentment of checks is a matter of grave significance. If there was a malicious person who purposely made an attempt to encash a check twice, it could be a crime. I would like to report this, hoping there will be additional investigation or corrective action, if any, to be taken.

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 2020-03-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MI

Complaint narrative:
I have used 5/3 Bank for mortgage, different loan, for over 15 years. Late last year I started to have major problems with the bank related to an escrow which they open without my knowledge. Due to this issue I had unapplied funds and late payments as my monthly payments did not match up with the new amounts. I filed a complaint about this as at the end {$1800.00} is missing from my account and no one has yet provided an explanation of where the money is located. 

I have always paid my mortgage before the end of the grace period which is on the XXXX of the month. However, since my complaint, I am now getting calls from the 5/3 collection group by the first of the month asking for my payment even though technically not late. I asked them to stop these calls but they are saying that this is their procedures. In my mind, this is retaliation and harassment for the previous complaint. 

Need help to stop this retaliation and monthly harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: U.S. BANCORP
State: AZ

Complaint narrative:
XXXX XXXX  refunded me a check for interest on my account due to SCRA XXXX XXXX military. Whey they refunded the check in the amoun tof {$1800.00} they also added he amount to my balance. When I called they could not explain why the amount was added. I disputed the amount and the letter does not explain why it was added. Please provide an explanation on why you provided me with a refund of the interst that is entitled to me and why you would then add the interest back as a charge? 

My balance increased the month of XXXX or XXXX?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: SC

Complaint narrative:
RECEIVED A LETTER FROM CHASE SAYING ... 

" AFTER CAREFUL CONSIDERATION, WE CLOSED YOUR CREDIT CARD ACCOUNT ON XX/XX/2020, BECAUSE OUR AFFILIATE IS ENDING THEIR BANKING RELATIONSHIP WITH YOU. '' I SPOKE WITH CHASE BUT THEY WOULD NOT GIVE ME A REASON. 

I NEVER EVER MISSED A PAYMENT AND HAVE AN EXTREMELY HICH FICO SCORE OF XXXX. I HAVE MULTIPLE CREDIT CARDS WITH VERY HIGH LIMITS, OVER {$70000.00} THE BALANCE IS VERY SMALL, LESS THAN {$300.00}. 

THEY WILL NOT DISCLOSE WHY THEY CLOSED THE ACCOUNT.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: ONLINE Information Services, Inc.
State: OH

Complaint narrative:
This complaint is regarding the $ XXXX bill from XXXX XXXX XXXX XXXX XXXX , Ohio address on XXXX XXXX XXXX XXXX in XXXX. 
This was an apartment complex I was living in up until XX/XX/2018. I was moving to another city and the new tenant was moving in to my apartment. The property management company had assured me the utilities would be changed over to the new tenant at the start of her lease. 
This did not happen until two months later and now I'm seeing this bill on my credit report and can not get it off. My complaint is not that it's a fraudulent bill, but rather tht I never received the bill at the correct forwarding address. XXXX and Online Collections both claim to have sent the final bill to an ( incorrect ) forwarding address in XXXX. 
Not living at the address they sent it to, I never received the bill or knew about it. 
My complaint is NOT that XXXX should not bill me for the mistakes of the property management company, but rather that they should have mailed the final bill to the correct address so I could have resolved it and gotten it paid before it hitting collections. 
I'll gladly pay XXXX at this point if they're able to completely remove the bill from collections. But it's not right that because they sent the bill to the wrong address therefore my credit report is being punished. I've had no luck speaking with managers of both the Online Collections  and XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-09 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Southwest Credit Systems, L.P.
State: MA

Complaint narrative:
I have contacted the creditor/company many times but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-09 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: MA

Complaint narrative:
Midland is reporting in my credit file however it is inaccurate because it was said to be late yet all the payments are OK. I do not think that this is mine. I did my research on what to do because it is affecting my scores to badly, I asked for documents, disclosure and where did the account came from but they failed to provide me so I came online and researched. The plaintiff is asking the same thing that I wanted and at the end of it all the plaintiff won this case. I am talking about the Texas VS Midland Funding Case. I have learned that Midland claims to have a disclosure and an agreement that there is a Consumer Agreement for all who they are collecting from. I guarantee you that there is no such thing that I have agreed upon to.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-09 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Cottonwood Financial Ltd.
State: TX

Complaint narrative:
My truck was stolen in XXXX, which had my purse, my checkbook and all money I had on hand. Went to the cash store and asked to do smaller payments instead of XXXX every two weeks, was told there was no way to do that. Asked if I could pay a XXXX a week until paid off was told no that I had to have the XXXX every two weeks. I have no way to pay for this when I am still having to pay all the other bills, on top of that had to buy plane tickets to get home from XXXX, plus extra nights in hotel to wait for police report, XXXX  XXXX  etc. didnt wan na leave XXXX without knowing for a fact I wouldnt get my truck back. I had to close my accounts to all banks and credit cards. I just needed them to work with me, since they wouldnt I couldnt put the loan like they wanted.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Decided to visit local owned dealership XXXX XXXX XXXX XXXX in XXXX county Texas to purchase a XXXX on XX/XX/XXXX at XXXX. 
When arrived explained pre approval amount {$30000.00} from personal bank, requested purchase order for Capital One Auto Finance Group. Sales representative then mentioned the vehicle requested to purchase was not located on their lot for sale. Therefore pre approval amount would not qualify for a brand new vehicle, was not enough to cover additional fees. Then was told to choose a used vehicle just one year newer then my trade in to  mention they would not be able to give me enough value for my trade to purchase a second vehicle loan since I had a pre approval, then they mentioned to shop for a lower rate through their financial leads & organizations that they were affiliated with. After 2 days and several hours later after closing time XXXX on XX/XX/XXXX I only qualified for XXXX XXXX XXXX with XXXX miles to approve lower interest rate. They gave me the keys, I signed a purchase contract agreement after I was given an alcohol beverage to com me down since I seemed stressed about my current auto purchase. I then initialed my paperwork, was not given a customer copy, after 4 days later made appointment with owner after XXXX  complaint, received an apology, was told paperwork was as written and final, received printed copy, disagreed with the interest rate 12.7 % after approved for 9.6 %, was mentioned from owner additional finance charges for service contract, dent repair contract, preservation package, and additional security package. Now I have an auto loan that does not fit into my budget with no room for negotiations ... ..please advise? Please notify consumers to take precautions that this dealership might not be able to abide by per approval loan agreements.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: AZ

Complaint narrative:
I have been, and continue to be, adversely impacted by Navient misreporting and inappropriate billing practices. Forbearance was encouraged on multiple occasions having been applied to original loans with Salle Mae without my authorization. I have been enrolled in an income-based repayment plan since XXXX. I re-submitted paperwork for this plan prompting me to investigate the status of my application. According to the Federal student aid website, my loans show forbearance status for XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX. My servicing institution shows now as XXXX  no longer Navient. The change to my loan was never reported to me by Navient, repayment months status shows as N/A and months in repayment N/A. I have not been able to clarify what the status is nor was I notified of any change. 
My original loans incurred with Salle Mae for medical school. During my medical residency training, immediately following my medical school education, I was not able to begin repayment on my loans due to financial hardship. Initially, my loans were incurred with Salle Mae and eventually acquired by Navient. I was never provided Income based repayment as an option when with Salle Mae and was encouraged to accept forbearance with Navient when my loans were acquired. My original loans were consolidated into a FFELP loan which has grown from XXXX to over XXXX while with Navient. I have made multiple attempts to deifier the fees and changes applied to no avail. 
When my Salle Mae loans were acquired by Navient ( XXXX ), a Navient private loan representative informed me that my private loans would be handled differently with Navient. I was told it would be in my best interest to make the one time only lump sum payment to take care of my private loans. I made the requested payment, just under {$30000.00}, to have the private loans discharged. I made this payment and requested documentation and was never provided supporting documentation for that transaction. In XX/XX/XXXX I received an email stating I had a message in my Navient inbox. I was sent the 1099 forms related to my private loan dischargeable amounts required for IRS reporting purposes. But no other documentation. Days later, I contacted Navient requesting private loan discharge supporting documentation specific to the 1099 forms received and was told I would be sent that documentation. To date, I have not received the paperwork related to the private loan discharge.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: SD

Complaint narrative:
Okay, here is what happened, I had a forbearance, the payment failed because it was processed by the loan company to early. They tried to put it through again, but my medications hit the bank before the forbearance payment. Now the loan company wants XXXX. If not my wife and I will loose the house. They do not take into consideration that we are both XXXX. 

I would like to work with them to come to a satisfactory deal, that benefits both of us. We Love the house. Also I have XXXX XXXX this month. I want them to reach out to me. Not just letting me stress out, about the next day, like where are we going to live.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-10 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: UT

Complaint narrative:
I have been a victim of Identity Theft as well as several Data Breaches. The latest being Equifax Information Systems. The Items I have identified and highlighted on my credit report do not relate to any transactions that I have made or have applied for resulting several in errors which have hurt my credit score I value. Please block, remove or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.

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 2020-03-10 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: FC HoldCo LLC
State: TX

Complaint narrative:
I am currently behind in my payments due to being off work. I have explained to the account representatives the reason I am late. I have also advised them the date the amount and method of payment. I continue to receive calls from Flagship financial services asking if I word lime to set up my payment. The account representative XXXX continues to be sarcastic and very abusive. I asked her to read back the previous Noyes several times and she refused. I have also asked that they do not call my references, nor skip trace me when they do have a point of contact with me. I have also asked to only email me. The sarcasm and the back of professionalism has gone too far.

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 2020-03-10 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: ACS Education Services
State: TX

Complaint narrative:
We never received the 1098-E form for our taxes. Have tried to login, keeps saying password is incorrect. Have completed the password reset multiple times, have not received email to reset. Tried to call all three phone numbers available, they have all been disconnected. We had issues last year when the company acquired loans from ACS. Payment had been set up as auto payment, and never received notice that loan owner was changing. Had several late/missing payments before they called looking, which was the first we heard of the change.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-10 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Capital One sent me a solicitation in the US mail to apply for a Venture credit card, offered to customers with " Excellent Credit, '' they said. They had a preapproved offer for me. They gave me a reservation # for my offer and an access code. I had to apply before the deadline XX/XX/20. I applied, according to their instruction, online on XX/XX/20 to getmyoffer.capitalone.com. A couple hours later that night, they sent me an email telling me I would have to provide them a copy of my passport, driver license or some other photo id AND a copy of my social security card or w2. That was on a Friday night. I had to wait till Monday to call the phone number associated with this request, so I called them and they said if I refused to provide this personal information, the offer would be withdrawn. I told them I will not send it. 
I told them that if they had told me that information even MAY have been requested, I would not have applied, because I have no intention of sending them my driver license or passport. 
So, they already did a hard pull on my credit and my credit score dropped somewhere between 5 and 10 points. I called XXXX  and they said I should request a letter of deletion from Capital One and then they ( XXXX ) would be able to delete that hard pull and my credit score would return to its previous number. 
So I called Capital One back, and they refused to provide a letter of deletion. They told me I have to write a letter to them and send it by snail mail explaining what happened and they would reply in 30 days. So this would drag out for up to 6 weeks and my credit score would remain negatively influenced. They would make their own decision whether they did anything wrong and I had no recourse. Capital One is going to be its own judge. They were rude and they didn't care at all. 
XXXX told me that inquiry by Capital One will remain on my credit report for 2 YEARS!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-10 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: UT

Complaint narrative:
I have been a victim of Identity Theft as well as several Data Breaches. The latest being XXXX  XXXX XXXX. The Items I have identified and highlighted on my credit report do not relate to any transactions that I have made or have applied for resulting several in errors which have hurt my credit score I value. Please block, remove or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.

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