vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-03-16 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: General Motors Financial Company, Inc.
State: TN

Complaint narrative:
I have a lease agreement with GM Financial. It started in XXXX 2015. In XXXX 2015-GM Financial claimed they did n't receive my XXXX payment. I mailed my payment as I normally did in their provided envelope and with their provided statement. They claimed from XXXX XXXX thru the end of the month -- they did n't receive it and harassed me by calling me at my job and at my home 3 times a day. In XXXX, I made both the XXXX and XXXX payments. My problem is I do n't believe GM Financial did n't get the payment. I genuinely believe they disposed of the payment to illustrate their point that I should acquiesce to their repeated insistence that I sign up for direct debit. The reason this is so important is now they are again claiming they have n't received my XXXX payment mailed to them on XXXX XXXX, XXXX. I have been mailing payments for the last 30 years without any problem. I do n't believe it is statistically possible for XXXX mailed payments not to arrive at their destination with the same creditor. It 's simply not possible. GM FinanciaI has a problem. They are intentionally disposing of the payment, or their quotas for processing payments are so impossibly high that employees are throwing away payments just to keep their jobs. In either case, I am sending my payment in the envelope provided with the payment slip included. In addition, this situation is impacting my credit. I believe this situation would be considered deceptive, abusive, snd unfair.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-03 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: National Collection Systems, Inc.
State: AZ

Complaint narrative:
Debt collector, National Credit Management has been calling me multiple times a week when I asked for them not to call me. They have also called my boyfriend while he was at work when I asked them to remove his phone number. I found out today they called my parents cell phone. They are harassing me and now they are harassing my family.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-08 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: Brock & Scott, PLLC
State: MD

Complaint narrative:
BROCK & SCOTT , PLLC has filed a lawsuit in the court on adebt that is time-barred. Additionally, they filed a false case # in the land record.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19 00:00:00
Product: Debt collection — Payday loan
Issue: Communication tactics — Frequent or repeated calls
Company: HANCOCK WHITNEY BANK
State: FL

Complaint narrative:
Harrison finance employees has been calling from different numbers and does not leave a message saying what company they represent or what the call pertains to.. they simply leave messages stating a name only when calling my phone. It has gotten to the point where they called my job everyday 3x a day as well as family members who I never listed as a reference. I am starting to believe they are looking up my family in the cities directory because they have even started calling my wife 's family and we just got married a month ago and I received this loan almost a year ago. 
I have sent in partial payments and the company states that they will not except anything but full payments. I have asked numerous of times for them to simply stop calling but now its has lead to full time harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-20 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: General Motors Financial Company, Inc.
State: CA

Complaint narrative:
In XX/XX/XXXX my ex spouse and I were purchasing a car, where GM financial required me to co-sign on the loan. In XX/XX/XXXX we split and I called GM to take my name off of the car loan as I was not a primary borrower. For a while account was not reporting on my credit but my ex let the loan go and the car was sold out at the auction. GM tried to go after me for a balance as they claim and up to this date they are harassing me with calls and letters trying to collect on the account which is NOT mine. I requested a validation of debt and they fax me a copy of XXXX stating that debt was a charge off and they filed a XXXX in my exs name. However, they are trying to collect on this charged off, cancelled debt from me in the amount of {$12000.00}. I disputed this account with all XXXX credit bureaus, however GM is still reporting this account with outstanding balance, which is hurting my credit report in a major way. They are refusing to report the balance to be {$0.00} even though it is a charged off, and cancelled debt with XXXX filed to IRS, and they are refusing to remove this account from my credit report, which it should not be reporting in first place since I was NOT a primary borrower on this car loan. I have written XXXX letters to GM by now and have called several times and all my cries and requests for deletion of this unfairly and un accurately reporting account went ignored.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-14 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Reverse Mortgage Solutions, Inc.
State: IN

Complaint narrative:
The lender did not send us the certificate of occupancy but instead sent someone to our residence to verify occupancy, not once, but twice!!! Then we received the form in the mail and they claimed they had sent it prior. They harrass us!! We had company! It was embarrassing! I think they want our home or something! They wo n't send us the form so my wife can speak on my behalf because she understands all of this fair debt and banking but I do not. They insist they have to talk to me. I am the borrower and she is the non borrowing spouse but if I say they can speak to her, why ca n't they. Why can they just randomly send someone to our house? This is our home!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-08 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Taking out the loan or lease — 
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: NJ

Complaint narrative:
NISSAN MTR ACCEPTANCE, AFTER MANY DISPUTES FILED BY US, TO CORRECT HAS NOW REENTERED A CHARGED OFF DEBT VIA A COLLECTION CO. " XXXX FOR XXXX. THIS WAS XXXX XXXX TOTAL LOSS PAID BY XXXX AND THE GAP INSURANCE WE PAID FOR.2010 JUST SURFACED NOW. ALSO XXXX IS RUINING MY CREDIT THEY WERE PAID OFF BY XXXX DEALER IN XXXX WHEN WE TRADED IT IN. THEY ARE SAYING THEIR PAYOFF WAS NOT RIGHT, AND WE STILL OWE XXXX?. I WANT THESE NEGATIVES DELETD TILL RESOLVED. PLEASE HELP XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-27 00:00:00
Product: Payday loan — 
Issue: Applied for loan/did not receive money — 
Company: High Point Asset Inc
State: FL

Complaint narrative:
I recevied a call on XXXX XXXX, XXXX, stating that i owed on a payday loan from XXXX. The name of the company was High Point Asset. The customer service preson told me that I had an outstanding payday loan balance from XXXX that I did n't pay. I have taken out payday loans in the past, but they were always paid back via my bank account within weeks. The peron advised me that I owed XXXX and that it steams from the original amount of XXXX that I owed on the payday loan as it was purchased by different companies. The person told me that they have tried serveral times to draft this money from my bank account, but they stated that my bank account was closed. Which is true, I closed a bank account in XXXX of XXXX. They told them I have always paid my payday loans back and i have only had payday loans with the company XXXX XXXX XXXX. I do recall apply for a different loan with a different company, but I never completed the application. The person told me that it could be from that application. I did ask for proof of the debt, but was advised that the company tried to contact me via email and that they do n't contact people by regular mail. They also told me if that if i didn ; t accept the debt that they would put me as refusal to pay. I did tell them that I would pay the debt, although I do n't think that I did n't believe that I owed them any money. They wanted to set up a payment plan for me to pay just XXXX of the debt as they would knock off XXXX from it if i entered into a payment program. I did agree, but something didn ; t feel right, so I ended the call. No new banking information was given to them. I contacted my bank to pull my transaction records during this time period for verfication. I was told that if i went court with my bank reocrds it would not hold up in court because the funds could have been given to me in cash. I have never received a payday loan in cash before.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-24 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
On XX/XX/2017 I transfered {$150.00} from a savings account to a checking account. I did this on line, as I had done many times before. I made this transfer to make sure there was sufficient funds in my checking account to cover expenses. In the past the decrease in funds from one account and the corresponding increase in funds in another account would show immediately. Recently this has not been the case. The reciept I printed shows the action I took occured on XX/XX/2017 but the transfer date was to be XX/XX/2017. 
When I went to the bank to voice my concern they said it was a business day sort of thing. 
To me this was a LAME excuse as the bank has no problem reducing a balance for a transaction on a friday and showing that decrease on saturday. 
As I said this is a new situation, It did not used to be this way. I believe Santander has changed it logrhythms to generate more overdraft fees. 
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 2016-07-23 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Reverse Mortgage Solutions, Inc.
State: IL

Complaint narrative:
I was given a Reverse Mortgage by XXXX group in XXXX of 2009 six months after I purchase my home for {$50000.00}. XXXX group or Reverse Mortgage Solutions told me I could do a reverse mortgage for {$100000.00}. I have recently found out that they did a double mortgage on me for {$210000.00} back in XXXX of 2009. I ask Reverse Mortgage Solutions to send me over all documents related to this account in Fair Debt letter but they refused and file forclosure papers after I found out what they had done. Im a senior citizen and I think I may have been a victim of mortgage fraud my house was only worth {$50000.00} when I bought it and no house in my neighborhood as ever sold for {$210000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-30 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: NH

Complaint narrative:
I noticed my business debit card did n't work on or about XXXX/XXXX/2016. I had several XXXX dollars available or so I thought. I informed the bank on XXXX/XXXX/2016 of approximately {$9200.00} of fraudulent purchases that I did n't make between the dates of XXXX/XXXX/2016 and XXXX/XXXX/2016 per my statement dates. The bank is consistently denying my fraud claim due to questionable items outside the 60 day period. Please read my detailed statement and other documents attached. My account is overdrawn by almost {$2000.00} and I 'm getting threatening letters that indicate my checking account for closure and collection actions will be taken. There are several bounced checks due to the fraudulent purchases.

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 2017-01-06 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Untimely response to the Mortgage pay-off request

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
Consumer complaint received 2016-10-14 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: FL

Complaint narrative:
Hello, My name is XXXX XXXX. We ( my spouse and I ) are retired. I believe that the cardealership wherewe purchased a car ( XXXX XXXX and NISSAN MOTOR ACCEPTANCE CORPORATION, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX FL XXXX ) has misleadus by financial misrepresentation which may make the car purchase costus more thanwe believed it would. 
1. While negotiating with the salesman, on the phone and E-Mail, our understanding was that : a ) The discounted sale price of a XXXX can be achieved only if the car is not paid by cash but by going through the dealership 's financial department. 
b ) The agreed upon discounted sale price ++ ( bottom line of {$35000.00} ) will not be affected by financing the initial purchase.We can " PREPAY THE LOAN '' without penalty or any other charges. 
2. The loan officer was going through the paperwork very fast and coerced us to sign an agreement that we were not given enough time to understand. 
3. When we took the car home and went through the financial contract we found out that : a ) The loan term is 72 months b ) The ANNUAL PECENTAGE RATE is 4.65 % c ) The amount of Payments is {$560.00} d ) Monthly beginning on XXXX/XXXX/2016 Is there anybody that can help us in this matter? 

Please let us know. 

Respectfully, XXXX and XXXX XXXX, XXXX, XXXX XXXX FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-25 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
I have experienced several financial hardships during the past several years although from being out of work or experiencing the death of a loved one. I have continuously ask for help and during the past two years have submitted at least eight to ten modification packages for any kind of assistance. However, every last package was denied and some probably without review. Not being able to receive assistance I had to file a chapter XXXX to avoid foreclosure. Even after the bankruptcy I have asked for help and once again denied any help. The bankruptcy and mortgage payments on top of my other bills have left me in a desperate situation and facing being homeless. During the past few months, I have been in contact with a single point person from Santander Bank ( XXXX XXXX ) to ask about other options. XXXX called me basically every week which made it appear as if she was really trying to help me come up with a resolution. However, I was wrong and as soon as she convinces me to put in a package for a deed in lieu to surrender the home without penalty, XXXX then expresses to me that I could receive up to XXXX XXXX dollars to relocate ... the option sounded good so I submitted the package. I have not heard back from XXXX and I just received a letter ( motion ) to drop the Chapter XXXX because of non-payment. XXXX was being deceitful and knew that there was no chance for me receive any help with the mortgage. XXXX called me on a weekly basis to pretending to be concerned about my situation but only wanted me to write a letter to surrender the home and knew that I would not receive assistance.

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 2015-05-27 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Taking out the loan or lease — 
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: FL

Complaint narrative:
I returned my leased vehicle. I was informed there would be a balance. I never received any documentation. I find out that the account has been reported as delinquent to the credit bureau. I immediately paid it because I do n't want to have bad credit and asked them to remove this derrogatory information from the credit bureau. They agreed to do so but it has not happened.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-11 00:00:00
Product: Debt collection — Non-federal student loan
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: National Collection Systems, Inc.
State: CO

Complaint narrative:
The company National Credit Management ( Rep. XXXX XXXX ) has contacted my place of employment multiple times when being told by my employer that I can not take phone calls unless important, as well as been told by myself to not contact me at work.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2017-03-29 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
I 've repeatedly requested investigation of a bankruptcy being reported on my credit report by Equifax. This information is being provided by a third party and not a creditor. This information is not being reported by the courts, and should not appear on my report. I 've asked the bureau to stop reporting this information because the court is not a creditor, and they have not provided the credit reporting agencies with any information. I would like the credit reporting agencies to remove this information from my credit file permanently.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-15 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
Received notice from IRS of a tax notice. Payment made on XXXX/XXXX/2010 which happened to be the same date as a tax lien was filed. Unable to get explanation from IRS or Equifax as to reason lien was filed on same date as payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-15 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
In XXXX XXXX, fraudulent attempts were made to access my existing credit card accounts ( unsuccessfully ) and to open new accounts ( unsuccessfully ). At that time, I placed security freezes with all XXXX credit bureaus. In XXXX, XXXX, XXXX of the XXXX bureaus ( XXXX and Equifax ) temporarily released the freezes to a fraudulent person. That person subsequently fraudulently opened XXXX credit cards in my name and then attempted a change of address on both cards. There is no mechanism in place for the credit bureaus to confirm identity ( other than the previously issued PIN ). A phone call to a phone an existing phone number in my credit file would have prevented the freeze release. XXXX released the freeze even though a credit card that was not mine was used to release the freeze. That credit card used is not on my credit report and the phone number used to release the freeze is also not on report. XXXX DID provide me with a new PIN after the fraudulent release AND it will ( supposedly ) now require a fax of identifying information prior to releasing a security freeze as well. Equifax released the security freeze even though the call to release the freeze was disconnected prior to getting any credit card to secure the release. Equifax then refused to issue me a new PIN without creating a new security freeze for an additional fee! So with Equifax there is still no mechanism in place to prevent the fraudulent person from again releasing the security freeze.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-28 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
My Personal information is wrong - My complete name is XXXX XXXX XXXX XXXX - DOB XXXX The problem is that Equifax consistently mixes the name of my Son XXXX XXXX XXXX XXXX. - I tried to go into their web site and correct the information however the site is not user friendly - They also ask you to submit information related to your personal data- However when you try to submit the information the site only allows for a very small data file. Thus not allowing to complete the upload - see driver license below - They have to many inquiries that are not related to me - instead some of those are related to my son. 

It is hard for him and for me to keep our credit reports accurate. 

Please have then removed the inquiries that are not mine and make my file accurate. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-25 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have disputed this issue with all credit reporting companies, XXXX, Equifax and XXXX. XXXX and XXXX have removed it from my credit report and I would like this issue resolved. Name of the company is XXXX XXXX XXXX and balance is {$210.00}. It is really affecting my credit score and have sent them several letters including notarized letters as well and have not received any responses.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-07 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem with fraud alerts
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I sent Equifax XXXX requests to place a Security Freeze on my file. The First request was sent on XXXX/XXXX/16, the Second on XXXX/XXXX/16 and the Third request on XXXX/XXXX/16. Each request was sent certified mail and included my complete name, complete address, Social Security number and date of birth. These request also included a copy of my Drivers License, XXXX, Proof of address and my Identity Theft Police report. I also sent the same request for my wife - with the same documents - and she was able to obtain the security freeze upon the first request.

Company response to consumer: Closed with non-monetary relief