vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-01-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
My loan is managed by Navient. My monthly payment is {$300.00}. I normally pay over the monthly payment to help pay down my principal. This decision was based on my conversation with customer service of my loan institute. 
I called Navient on XXXX/XXXX/17 after reviewing my payment history. It appears that my excess payment is being applied to interest not the principal. The customer service lady stated that the extra was paid to interest. 
All my extra payment of the {$300.00} should be applied to principal not interest since the interest is based on the principal balance each month.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-02 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Called after sent written cease of comm
Company: Stellar Recovery, Inc.
State: IN

Complaint narrative:
STELLAR IS CALLING MY CELL PHONE NO AFTER CEASE COMMUNICATION LETTER DATED XXXX/XXXX/2016 IN VIOLATION OF TCPA AND FDCPA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-24 00:00:00
Product: Consumer Loan — Personal line of credit
Issue: Account terms and changes — 
Company: Lendmark Financial Services
State: OH

Complaint narrative:
I got a personal loan to get my credit established and to get my car fixed from a certain loan company. I stayed caught up on my payments for as long as I had it, maybe 1 yr or little over and my payments came straight out of my bank on time. Then I get a letter about 2 months later stating that my payments was late and they could n't no longer get the payments from me because they sold my car title to another loan company and I had to sign papers so they can withdraw payments from my bank account again and then I ended up having to pay 2-3 months to catch up. I was n't notified and I did n't sign anything. Why? Because they did n't inform me until I was 2-3 months late. I could n't pay that much at one time because I 'm on a fixed income. Also the loan company they sold my title to another loan company that NEVER let me barrow anything from them when I asked in past. I am concerned, upset and overwhelmed from this. It is ruining my credit as I am trying to gain it back. I feel it is wrong that they DID NOT let me know nor did I sign papers for them to do so. I need some help in resolving the matter. Could someone at CFPB help me get through this?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: AZ

Complaint narrative:
Back in XXXX of 2015, our mortgage was transferred from XXXX XXXX XXXX to Nationstar. When this happened, we discovered an erroneous charge/late fee on our account. When we went to dispute this charge with XXXX XXXX XXXX, they referred us to Nationstar. We contacted Nationstar several times, via phone and email to rectify this situation. After the XXXX attempt, Nationstar confirmed that they would take care of our account and give our account a current status. However, that has not been the case. Due to XXXX XXXX XXXX and Nationstar 's errors and omissions, not only has our account suffered, our credit score has been damage by at least XXXX points, if not more, and we still have not been able to get any assistance with this issue. I want to file a formal complaint against XXXX XXXX XXXX and Nationstar for their lack of customer service, their unwillingness to assist us, and for damaging our credit scores. Please let us know what other avenues we have to make this right.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-22 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: FIRST HORIZON BANK
State: TN

Complaint narrative:
I 'm writing a complaint in regards to First Tennessee Bank ( FTB ) not being able to assist me with the annuities I purchased from FTB. Since, I had not been receiving all of my statements in the mail, I went to FTB to advise them that I had not received my statements. I have only received one statement from XXXX and was requesting my other statements as well. I was told to contact XXXX XXXX, a Financial Specialist with FTB who could see whom my investments were with. XXXX called XXXX and stated that I only had XXXX annuity with XXXX and not XXXX. She stated one was with XXXX and the other was with XXXX. Also, she told me before XXXX I was originally with XXXX, then it changed hands with XXXX, and last with XXXX. Additionally, she said that XXXX dropped my XXXX annuity. I told XXXX, FTBs records show XXXX annuities and it has been reflecting that for over twenty years. 

Displeased with XXXX, I contacted XXXX at First Tennessee Bank ( FTB ) and was given the brokerage phone number with FTB. I contacted the Brokerage department with FTB and spoke to XXXX XXXX. He indicated that I had XXXX annuities ( XXXX with XXXX and XXXX with XXXX ). There are XXXX IRA 's with XXXX and the account numbers. An example of these account numbers with XXXX are the following XXXX and XXXX, and third account with XXXX and account number is XXXX. I called XXXX, the Financial Specialist back to inform her what the brokerage side said. She repeated, XXXX only has XXXX annuity and had dropped the other XXXX. She told me to call XXXX. I told her I took out these IRA 's with First Tennessee Bank not XXXX. She said it has not been dropped on the bank side yet and I had to prove I have XXXX IRA 's with XXXX although the bank records show that I have XXXX. I told her again these accounts were over twenty years old and I can not find the papers. I have received only XXXX statement from XXXX. It has been several weeks and I have not received statements from the companies that First Tennessee Bank invested my money with. 

I only have proof of my annuities from the print out obtained from First Tennessee Bank. I have attached these documents for your reference. Also, these annuities have been reflecting on FTB records for over twenty years. That should be proof enough. Let me know if you require any clarification. Thanks for your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-07 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Stellar Recovery, Inc.
State: OR

Complaint narrative:
In XX/XX/XXXX signup with XXXX was told it would work in the area I was living and that I had thirty days to return it- I returned it almost immediately and went with another provider -- he did not work correctly, connecting issues and dropping issues. I called customer service several times finally they agreed since we where out on the plains there could be connection or service problems in that rural of area. They told me what to do to send it back and I did. Only to discover years later 3 yrs later- they filed it into collections as if I didnt do something. I have tried to discuss and get it removed- collection agency refuses- I even talk with XXXX XXXX. This collections is wrong. Please review my credit I may get behind on Medical as Medical is sooooo hard but everyone of my consumer accounts get paid. 


STELLAR RECOVERY XXXX XXXX XX/XX/XXXX Open {$430.00} Account Details Last Reported XXXX Collection Agency STELLAR RECOVERY Original Creditor XXXX XXXX Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Balance {$430.00} High Balance {$430.00} Remarks Placed for collection Creditor Contact Details STELLAR REC XXXX XXXX XXXX XXXX XXXX XXXX, MT XXXX ( 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 2017-01-15 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: TFC Group, LLC
State: CA

Complaint narrative:
I had a financial emergency for which I took out a title loan on my XXXX. I have been self -employed my business was doing well enough that I was confident that I would be able to pay the payments on the monies I was given. I then woke up one morning unable to feel the right side of my face and unable to speak correctly and could not see out of my right eye I have been diagnosed with XXXX and have to have in home health care services to assist me in getting dressed and driving me to where ever I need to go such as doctors appointments I also have a minor child who needs to get to school. my business has greatly suffered due to my condition which my doctor says is caused by the serious accident that I was in to which I was nearly killed for which i sustained multiple injuries one being a XXXX that was never addressed with my medical treatment. I wrote a letter to XXXX at Trading Financial Credit to explain my situation and that I could only send them {$300.00} per month which would only be for a few weeks until I got my settlement money to pay off the loan I even attached a check for {$300.00} with the letter..I made XXXX payments XXXX for XXXX and XXXX for XXXX I had not heard from the company so I was relieved that they were in agreement to accept my payments.On XX/XX/XXXX a tow truck showed up at my place of residence to repossess my XXXX .I did not surrender my vehicle it is still in my possession.I called Trading Financial Credit and spoke to a woman in the recovery department who told me that I had been sent via email 2 notifications XX/XX/XXXX and XX/XX/XXXX to which i stated to her that I check my emails daily and there were no emails from them notify me that my car had an order of repossession. she proceeded to tell me that in order to get my account current I needed to give them {$1200.00} and that in 12 days it would be {$2000.00} so I should just give them the {$2000.00}. she stated that if i was in bankruptcy status that would be the only way i could keep my car. i spoke to 2 different bankruptcy attorneys and was told i would still lose my car. On XX/XX/XXXX I spoke to a XXXX who is the Servicing Manager to once again explain my situation to which I was told he did not care and that in order for the repo order to be removed he wanted me to pay on XXXX XX/XX/XXXX {$340.00} via XXXX and once I gram and once I gave him the transaction number he would remove the repo order but it would only be for 2 weeks after the 2 weeks i had to pay {$890.00} or the repo order would be in effect again. they will not work with me for only a few weeks thats all I am asking until my settlement comes to allow me to pay the {$300.00} to them and not repo my vehicle but they are strong arming me to come up with money i do not have.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-22 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Exeter Finance, LLC.
State: OH

Complaint narrative:
Exeter Finance charged me an extra {$140.00} on my XX/XX/XXXX car payment. My monthly payment is {$390.00}. XX/XX/XXXX was {$510.00}. I made a double payment in XX/XX/XXXX to make sure it was caught up, the amount owed in XX/XX/XXXX was {$790.00}. So on XXXX XXXX I paid {$400.00} and on XXXX XXXX I paid {$290.00} ... .zero balance. When I called today XXXX XXXX to inquire why I was being charged, one lady asked if the car was repossessed or impounded. I told her no. Then she transferred me to someone else who stated the car was repossessed or had have been impounded. Again I said no. I told her that I have set up an auto withdrawal for XXXX/XXXX/XXXX to pay for XX/XX/XXXX and XX/XX/XXXX car notes but wanted to know why my told bill is {$920.00}. She told me she was unable to see my XX/XX/XXXX payment or bill so she was not able to say rather or not I paid {$790.00} ... .I was looking at both online. When I told her I was looking at my payment history she then stated that when you call in your payments they do n't tell you you owe late or misc. fees. When I said I only pay on line she switched and said the online account does not tell you about late fees. When I told her I 'm again looking at the payment screen which tells me of these extra charges that was also calculated into the amount due she told me no it was not showing me that. I then told her that I always pay the late fees and this was the first time in 2yrs they 've ever done this. She then said the {$140.00} fees were an accumulation of unpaid late fees. The more I continued to ask she then told me I was not listening and would not let her talk. She continued to repeat herself over and over never explaining why I have been charged extra. I have all of my bill statement and took pictures of the payment history since XX/XX/XXXX ... .if you try to print the pages are blank. I also recorded this conversation. This is the second time they have taken advantage of me. A few months ago they took an extra {$790.00} out of my account after I paid {$790.00}. There were XXXX different dates and confirmation numbers. When they acknowledged they took it out they blatantly refused to return the extra money and my bank had to reverse the payment. I am terrified this company will do something tragic to me regarding my car and finances ... ... based on their actions. Please investigate them. Their are others they are hurting and I may have to end up suing them for fraudulent charges they can not prove otherwise. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-11 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: Pinnacle Credit Services, LLC
State: FL

Complaint narrative:
I had an cellphone with XXXX wireless, I had to cancel contract after over 5 years of service due to job loss. At that time I had a bill of about XXXX. After almost 5 years, I did n't think the cancellation fee applied to me. XXXX sought after debt collection agency pinnacles with XXXX account, ( XXXX ) XXXX and ( XXXX ) XXXX. I feel even if I cancelled my contract I do n't owe those amount. I only had XXXX phone on the account. Now pinnacles has sold my information to another debt collection agency called XXXX collection bureau. At this point I need them to give me proof I how I owe that much. If it ca n't be satisfied, then it both pinnacles and XXXX needs to be removed off my XXXX credit reporting bureau asap. I will fax over all documents. Pinnacles account for both debt are the same with the change of at least XXXX character, as if they tried to create another account.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-02 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Pinnacle Credit Services, LLC
State: CA

Complaint narrative:
Debt was already to XXXX and account was satisfied by company paid XXXX has bought old credit report from third party.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-02-04 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: TOYOTA MOTOR CREDIT CORPORATION
State: MA

Complaint narrative:
My name is XXXX XXXX. I was XXXX aware of the CFPB and DOJ 's Resolution effective XXXX/XXXX/XXXX. As a XXXX women who have purchased XXXX vehicles from XXXX since XX/XX/XXXX, I am concerned that I may have been affected the discriminination. I contact Toyota Financial Services today, and was directed to their Fair Lending Website instead of giving me information about the discriminatory pricing policies. I 've been paying $ XXXX-XXXX amount in car notes since XX/XX/XXXX, and would like for someone to assist me to make sure that I was not directly affected by this discrimination practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-11 00:00:00
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Check Security Associates, LLC
State: UT

Complaint narrative:
A company identifying themselves as XXXX XXXX XXXX has been contacting my family members, including the cell phone of my XXXX year old daughter, either speaking to them in person or leaving messages, sometimes as many as XXXX a day to locate me regarding a 'bank issue '. They have provided my family members an account number and told them they will be filing proceedings against me with XXXX XXXX XXXX. The phone number they provide is XXXX. When calling this number back you are sent straight to a recording telling you to enter an extension number with no identifying information and then if you hold there is a message telling you just that you reached the extension number XXXX.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-20 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: Pinnacle Credit Services, LLC
State: SC

Complaint narrative:
I 've sent XXXX and Pinnacle Credit Services ( collection agency for XXXX ) numerous letters to send me proof that I owe such a large amount. I am yet to hear back from either company.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-25 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Exeter Finance, LLC.
State: IL

Complaint narrative:
Hello I am a consumer and I am writing in reference to a vehicle I had repossessed by Exeter finance in XX/XX/2016 which i never recieved any documents concerning the repossession because I had moved out of state and was in the hospital for a few m I nths due to a XXXX so when i finally got out a few days later i found out that they came to my sisters house and made a big scene when they repossessed the vehicle embarrassed my family and i had no idea i was in default. The vehicle was sold Unbeknownst to me I havent recieved the amount it was sold for but the value of the car on blue book is between XXXX to XXXX dollars the finance company is still reporting I owe XXXX dollars all though they have sold the account to another collection agency I disputed this with XXXX and they still have not removed this account because it is not accurate and Exeter doesnt own the account anymore and I have never contracted with the agency it was sold to.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-23 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Progressive Financial Services, Inc.
State: SC

Complaint narrative:
As i was checking my credit report today, stating that i owe amount of {$1200.00} through collection agency PROGRESSIVE FINANCIAL SE. I have never had XXXX. This is a result of ID theft for which i have had to file several complaints with Police and through CFPB

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-19 00:00:00
Product: Debt collection — Medical
Issue: Communication tactics — Used obscene/profane/abusive language
Company: Medical Business Bureau
State: TX

Complaint narrative:
I spoke with an agent and I asked if I could get documentation to verify I owe a debt and he says no I would have to talk to my insurance since they made an initial payment. I told him the letter they sent said that I could dispute the debt and he says " you do n't know what dispute means '' I said he was being rude and unprofessional and I requested to speak to another agent or supervisor and he says " they do n't have time to talk to people like you ''. I said are you refusing to let me speak to a supervisor he says " yes, I am not going to bother them with your issues '' The agent refused to provide me with any information other than an amount owed and the name of medical facility, refused to allow me to speak to a supervisor, and talk to me in a demeaning way throughout the conversation.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-06 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: Comerica
State: CA

Complaint narrative:
My name is XXXX XXXX XXXX, I live at XXXX XXXX XXXX XXXX, CA. ( XXXX ) XXXX - DOB : XX/XX/XXXX. " Before my Deposit of {$380.00} on XX/XX/XXXX my Direct Express Debit Card Number was stolen, & How I do n't know. But before XXXX, CA.time, some one went to a TARGET STORE in XXXX, CA. & charged {$390.00}, at XXXX ''. It 's XXXX miles XXXX, & I do n't Drive & never have. I had the the card that Direct Express gave me at least 2 yr's.I called XX/XX/XXXX & told them the # on my card was stolen & a fake card was used at the Target Store in XXXX CA.. They scent me a new card & new # on the card. On XX/XX/XXXX, I called Direct Express & Reported I had a Police 'Case # XXXX from XXXX XXXX Sheriff. I called again on XX/XX/XXXX, they asked a lot of? 's & was to send me an ( XXXX ). They never did send it, & then I got very sick & was in the Hospital for XXXX days with XXXX at Doctors XXXX, CA. Comerica Bank has not given me my stolen funds that XXXX had deposited on XX/XX/XXXX in the amount of {$380.00}, I also went to Social Security office in XXXX, CA. on XX/XX/XXXX & they told me it was the Direct Express problem, they should return those " STOLEN FUNDS '' to my Debit Card for persons who do n't have a bank account, as Social Security was stopping sending paper Checks to persons on XXXX, or XXXX. This Comerica Bank & XXXX XXXX are not doing nothing to give my Stolen Funds from my Direct Express Debit Card, which the are Insured by XXXX & all US Banking Laws to protect the Seniors who are XXXX & use what Social Secutity gives us to receive XXXX or XXXX Funds Please make them, Please, Please Help me. My Husband XXXX has XXXX was to stop this type of Stolen Debit Card Numbers, 1. Have a Photo taken at Social Security Office & send to Drect Express. 2. When using the card at a retailer as a charge & using the Master Card, have that card number return to the sells person mechine a name that that Card # was given to & it must match the name on the Debit Card & there Photo on the Debit Card & match the State ID or Drivers License with Photo. 3. In put the gold digatal Item used on some newer Cards instead of the mig. strip on the back. Please help me get my " STOLEN FUNDS '' BACK in my account befor I DIE. Yours truly XXXX XXXX XXXX.

Company response to consumer: Closed with explanation