vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-08-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: GA

Complaint narrative:
On XX/XX/XXXXmy XXXX XXXX XXXX broke down on the interstate. I had the vehicle towed to Nissan of XXXX located at XXXX XXXX XXXX., XXXX, GA. After performing a diagnostic test on the car Nissan contacted me to say a Mass Air Flow sensor caused the problem. I was also advised the tire rod on the vehicle was bent. Nissan repaired the sensor and the tire rod. They then contacted me to say my transmission is bad in the vehicle due to the wrong fluid being in it. I have never had my transmission serviced on the vehicle. The only maintenance performed outside of Nissan was an oil change. Nissan of XXXX had conflicting stories from their technicians. One tech said the fluid was yellow in color while another said it was black. This raised concerns. So after they sent whatever samples off to a lab it was determined it was not the proper fluid. Well my concern is who added the fluid to the vehicle and why was it yellow for one tech then black for another. Where did they get these samples they sent off for testing? Was it the black sample or the yellow sample? Nissan 's Security Plus Warranty Department refused to honor my warranty and will not repair my transmission. My car has never had transmission service, their techs had conflicting stories and why was the transmission issue not diagnosed initially. I believe someone added a bad fluid to the vehicle at Nissan because the issue did not come up until after they had the car diagnosis done a second time. I am still paying Nissan Finance {$500.00} a month on this vehicle until XX/XX/XXXX. The warranty I purchased costs {$2100.00}. Now that I need the warranty they will not honor it. Please assist.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-09 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: KEYCORP
State: MI

Complaint narrative:
Key Bank I am a 50 % beneficiary ( Proof of Death ) on my mothers bank account. I provided a certified death certificate and the bank will not issue the 50 % balance. They stated that Key Bank policy is to require both parties must be present in order to distribute and close my deceased mothers account. I have done the following to remedy this issue.
Call customer service number " multiple '' times and logged complaint Bank XXXX Ref # XXXX one example.
Request customer service to escalate to corporate and they stated this was a branch decision. When to a second branch office and they stated the same policy.
Request the contact information for the Key Bank Compliance Officer an was denied information. Request that I send a e-mail my complaint in a e-mail which they to forward and they denied this request as well.
My mother had accounts at other financial institutions and I was able to withdraw my percentage without have other beneficiary present. ( i.e. XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX. )

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-09 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ALLY FINANCIAL INC.
State: GA

Complaint narrative:
I have written multiple letter to ALLY about their accounting practices on my account. On XX/XX/XXXX Ally Sent me a final bill which made no sense in accounting My car was sold in auction with a SURPLUS of XXXX over the RESIDUAL BALANCE. ALLY did not give me any documentation of proof of the sale or sale amount. Ally also took at the profits and then still charged me for payments on the account when I did not have the car. They added fake fees and refuse to adjust this account. They have been reporting this account as owing XXXX. I do not owe this amount The Payment history shows me owing a balance of XXXX in payments being owed datedXX/XX/XXXX but on the final billing statement shows I owe XXXX??
If I owed XXXX total for my lease and paid XXXX+XXXX late fees=XXXX XXXX  total balance -XXXX balance owed XXXX is balance If there was a SURPLUS of XXXX and a XXXX credit where did they go?
There is no accounting for the account once it was sold of fees and sale amount.
ALLY are in violation of 15 U.S.C. 808 15 U.S.C. 802 15 U.S.C. 806 I am requesting a copy of the bill of sale of the vehicle and accounting for all charges and fees I am requesting In detail the break down of the final billing statement dated XX/XX/XXXX Explain specifically in detail where each credit and debit went to and where they came from.
I have disputed this multiple times with the credit bureaus and ALLY continues to report these false claims. My rights are being violated and ALLY as all of these CORPORATIONS are taking advantage of the people. I was never late until loosing my job. They sold the car and made a profit and lost no money and still want to bill me as a customer. This is unfair

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 2017-08-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due as of XXXX 2016 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: AES/PHEAA
State: GA

Complaint narrative:
I have a student loan that is decades old. Well over ten years ago when I wanted to return to school to finish ( I had 1 year to complete ) I was told that I would have to start all over! Therefore, since the education that I received did n't hold it 's value, I should n't be mandated to pay for something I did n't get. Moreover, since my efforts to get the matter discharged, all of a sudden they have discovered accounting errors and the balance grew. I have no way on knowing if their accounting is accurate. If they have poorly accounted my account, I believe they could have made costly errors on countless others. So, in addition of to there being an unknown disclaimer on my education, and due to the fact they made serious accounting errors, again, this loan should be discharged.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-09 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ORG GC GP BUYER, LLC
State: TX

Complaint narrative:
On XXXX XXXX, 2017 I had a message left on my cell phone from a XXXX XXXX a manager at GC Services a debt collection company. The call came from XXXX but I was asked to call back at XXXX. I had the same message left on my cell phone and work landline on XXXX XXXX, 2017 but from a different employee. When I look up contact numbers for GC Services, this number is not listed. I would like for this company to stop calling my work phone, as I have asked them before on a date before the XXXX XXXX, 2017 message but they continue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: KEYCORP
State: NY

Complaint narrative:
X/XX/17 - ACH Payment made thru XXXX XXXX for rent payments in the amount of {$200.00} and {$43.00} X/XX/17 - XXXX XXXX account shows payment applied. X/XX/17 - KeyBank available balance reduced by {$200.00} and {$43.00}, however transactions DO NOT appear, funds are simply " removed '' X/X/17  - Keybank available balance increased by {$200.00} and {$43.00} X/X/17 - XXXX XXXX receives returned funds and charges my account with 2 {$20.00} NSF Fees X/X/17 - Keybank claims account NEVER was reduced by {$200.00} and {$43.00} - no attempts to ACH ANY funds were ever made by XXXX. Claims I am incorrect and funds were NEVER removed.
X/X/17 - Attempt # 2 - {$200.00} ACH Payment made thru XXXX XXXX for rent payment in the amount of {$200.00} X/X/17 - XXXX XXXX  account shows payment applied. X/X/17 - Keybank available balance reduced by {$200.00} - however transaction DOES NOT appear, funds are simply " removed '' - Available balance {$1.00} X/X/17 - Available balance {$1.00} X/X/17 - Available balance {$1.00} X/X/17 - Available balance {$1.00} X/X/17 - Available balance {$1.00} X/X/17 - Available balance {$200.00} - {$200.00} ACH has once again been returned to account, Keybank claims no funds were ever removed from XXXX and balance on my account has been {$200.00} since X/X/17 - yet everyday I checked from X/X/17 thru X/X/17 - Available balance had the {$200.00} payment removed - no transaction showing as to who was holding it - and XXXX to charge another {$20.00} NSF Fee

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc.
State: NY

Complaint narrative:
I recently had my credit pulled and noticed that this account was still on my credit report. I know for a fact they are reporting inaccruate information and I even filed a complaint with the attorney general in texas which as ignored and a BBB complaint. I looked up more information about this account and noticed that they are reporting inaccurate information and are not compliant with XXXX XXXX reporting. This account should not be on my credit and the biggest thing is that the late report date is XXXX 2013 when I have disputed it several times after that which means nothing was ever done or investigated.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Allied Collection Services, Inc. (Nevada)
State: NY

Complaint narrative:
I recently checked my credit report and discovered that this company has reported that I owe them a debt. To my knowledge this company has never supplied me with goods nor services. In addition to that I have never received any notices from them prior to them placing this on my credit report so my rights under FDCPA section 809 were violated

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 2017-08-09 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: EQUIFAX, INC.
State: MS

Complaint narrative:
Since XXXX XXXX, 2017 I have continuously submitted dispute with the XXXX major credit bureaus regarding information pertaining to bankruptcy on my credit report and have proved with documents that they are not contacting the actual court clerk in this warrants an investigation by someone, The XXXX major credit bureaus are providing false information, without the facts actually being sought. I have sent letters of intent to sue based on their negligence of this matter because I have provided documents many many times On my files, and they refuse to remove false information and have cost me a home, and vehicle due to their false reporting, I ask this be addressed and some one look into the fact that these bureaus are not complying to laws in place to protect the consumer, unless it is for their benefit, I 'm at the point I can not really afford legal counsel but am being forced into this position as they, and anyone I file with, will not serve justice. I demand the Bankruptcy items be removed, as they contain false unverified information and all things associated within.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
Citimortgage sent a notice that they were reporting me for a delinquent payment to the credit reporting companies, although no payment was delinquent at the time of receiving the notice. Citimortgage is in the process of changing the loan servicer and sent me the notice as well as a request for two mortgage payments.
This is just harassment to threaten customers to obtain early mortgage payment before the servicer change. Citimortgage will hold all advance payments for the new servicer, but will collect interest on all such payments before turning them over.
My name is XXXX XXXX and my account # with Citimortgage is 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 2017-08-09 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I have previously submitted several disputes regarding XXXX XXXX XXXX account number XXXX**** on my credit report. This account is not accurate and should be deleted from violating FCRA reporting policies and for not complying with XXXX XXXX standards which is required by the XXXX. This account does n't even have an Address Identifier Number because it is not accurate and should be off. XXXX and XXXX already deleted this account from my credit report.
Please delete XXXX XXXX from my credit report as my name does not have a y in it. also, delete XXXX XXXX as you spelled my name backwards. I do not want these two names to be confused with someone else.
Please delete the following inaccurate/incorrect addresses : XXXX XXXX XXXX XXXX, NY XXXX and XXXX XXXX XXXX, NY 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 non-monetary relief
Consumer complaint received 2017-08-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
Since XXXX XXXX, 2017 I have continuously submitted dispute with the three major credit bureaus regarding information pertaining to bankruptcy on my credit report and have proved with documents that they are not contacting the actual court clerk in this warrants an investigation by someone, The three major credit bureaus are providing false information, without the facts actually being sought. I have sent letters of intent to sue based on their negligence of this matter because I have provided documents many many times On my files, and they refuse to remove false information and have cost me a home, and vehicle due to their false reporting, I ask this be addressed and some one look into the fact that these bureaus are not complying to laws in place to protect the consumer, unless it is for their benefit, I 'm at the point I can not really afford legal counsel but am being forced into this position as they, and anyone I file with, will not serve justice. I demand the Bankruptcy items be removed, as they contain false unverified information and all things associated within.

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 2017-08-09 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: Experian Information Solutions Inc.
State: MS

Complaint narrative:
Since XXXX XXXX, 2017 I have continuously submitted dispute with the XXXX major credit bureaus regarding information pertaining to bankruptcy on my credit report and have proved with documents that they are not contacting the actual court clerk in this warrants an investigation by someone, The XXXX major credit bureaus are providing false information, without the facts actually being sought. I have sent letters of intent to sue based on their negligence of this matter because I have provided documents many many times On my files, and they refuse to remove false information and have cost me a home, and vehicle due to their false reporting, I ask this be addressed and some one look into the fact that these bureaus are not complying to laws in place to protect the consumer, unless it is for their benefit, I 'm at the point I can not really afford legal counsel but am being forced into this position as they, and anyone I file with, will not serve justice. I demand the Bankruptcy items be removed, as they contain false unverified information and all things associated within.

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 2017-08-09 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: U.S. BANCORP
State: WI

Complaint narrative:
My dad left me an IRA upon his death at US Bank and one at Edward Jones. I spoke with US Bank and on a number of occasions and told them I wanted it rolled over into the IRA at Edward Jones. Because my dad 's name is still on this account, according to Edward Jones, that is possible. US Bank would not do a transfer, they said something about it being too complicated and it would be easier to send me a check. I told them I did n't want to get taxed on it and if we did it this way, would I be able to roll it over into this other IRA at Edward Jones and they said yes, I would have 30 days to do so. They wrote the check out to me, I deposited it and went in to Edward Jones to write them a check, but they told me the check from US Bank had to be made out to me and to Edward Jones in order for it to roll over. Now, when I normally get tax money back from the government, I have to pay {$2900.00} in taxes because this approx. {$12000.00} in IRA money got taxed since I could n't roll it over. I called US Bank wanting to send them the money back so they could re-issue the check correctly, but I was told by my tax preparer that US Bank ca n't do that. I think they should have to pay my taxes since I made it clear to them I wanted to roll it over they clearly handled it the wrong way. When I call US Bank, I keep getting referred to the woman who told me wrong in the first place ( XXXX XXXX XXXX ). Does she not have a supervisor I can talk to? I know in filing a complaint, US Bank may contact me, but at this point, I really do n't want to talk to them. All the evidence needed should be in the notes of my phone calls to them and in the recordings of the actual calls. My contact with them first started in XXXX or XXXX of 2016. They told my sister the same thing with her portion of the IRA, but her other investing company caught the error before she deposited her check so after a number of phone calls and forms, US Bank finally re-issued her a check made out to her and to her other investing company. US Bank is saying that because I deposited my check, there is n't anything they can do and I 'm the one who signed saying I wanted the check. I signed it because they told me that is what I had to do to get it rolled over into this other IRA at Edward Jones.

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 monetary relief
Consumer complaint received 2017-08-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Seterus, Inc.
State: IL

Complaint narrative:
On XX/XX/XXXX I Fax Seterus a letter requesting an explanation of the PMI. My loan was with XXXX before it got transfer to Seterus on XX/XX/XXXX. When I was with XXXX I never paid for a PMI everything was included in my escrow. Few months after my loan was transfer to Seterus they started to charge me a PMI sinceXX/XX/XXXX. I have not received any explanation yet from Seterus. How is this possible that after my loan got transfer Seterus decided to place a PMI. When I enquirer the loan with XXXX my investor XXXX XXXX did not request a PMI. Because I would of had it in writing and is not. This is also one of the main reasons I have not being able to take any trial offer, because of the PMI my payment increases more then what I was paying before I started to fall behind on my mortgage. Please help me to get a detail explanation. Thank you.

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 2017-08-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: NY

Complaint narrative:
We have been retained by XXXX XXXX to help resolve the foreclosure of her home. We submitted a full modification application on her behalf to Ocwen on XXXX XXXX, 2017. OnXX/XX/XXXX I called to find out why I had not received any acknowledgment of the file. I was informed by the representative that there was no open file, that the file had not been set up for review because the did not have any programs available. When I asked why not I was told that they did not know the answer. I wrote a letter to Ocwen escalations asking for an explanation. I was informed that on XX/XX/XXXX it was decided that the file did not qualify because they only have 2 mod options, one for loans less than 90 days delinquent and another for streamline mods and that she does not qualify for either. The loan is definitely more than 90 days delinquent so that I understand. I do not know how they know she does not qualify for a streamline if they did not review her file. I do not know the criteria for that program and they will not give it to me. I asked for an NPV evaluation and was told they do not have one because they did not review the file. Additionally, if the streamline program does not require a mod application submission I do not see how you can " Not qualify ''. To date, I have received no further explanation of the denial nor any options available to save the property.

Company response to consumer: Closed with explanation