vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-04-29 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: General Motors Financial Company, Inc.
State: KY

Complaint narrative:
I took this car loan out XX/XX/XXXX. When the loan was taken out I advised that they can not call my place of employment under any circumstances. I put it on the application and all documents for me and my wife. I had to make a welcome call to GM and give them consent to call my cell, por and my wife 's cell. At which time I advised do not call either POE. Every month when I talked to them you have to verify your phone # and give consent to call. At which time myself or my wife would advise no calls to POE. The agent would always say it is marked. I had no issues until I became sick and fell behind. I kept in constant contact with GM advising of my issues and scheduled payments. I was sitting at my desk one day at work and an agent comes to get me and said the customer is asking to speak to you and will not give any information. I advised please transfer to my desk and I will talk to them. It was not a customer it was GM. They called into XXXX ( my employer ) through a customer line and asked for me until they were transferred to me. When they first called they heard the monitoring disclosure and each time an agent talked to them ( XXXX ) they heard this as well plus heard this from me. They knew they called a customer line and was being recorded. This is my issue. They knowingly with intent called the customer # to cause harm, embarrass, and put my job in jeopardy by calling. The call is recorded and over XXXX people are now privy to my personal information because GM broke the law by knowingly calling in on a customer line and pretending to be a XXXX customer to get to me. Issue XXXX on XXXX XXXX late night my vehicle was taken from my driveway. I thought it was stolen. No G M illegal repossessed my vehicle. I was late, yes I admit that I was 45 days late with a payment scheduled through GM XX/XX/XXXX. I was in constant contact with them and they were aware of the payment plan. They took the vehicle with no notice and a payment pending in their system which would have brought it less than 30 days delinquent. I want XXXX XXXX things to happen. 1 GM gives me all funds paid on the vehicle, takes it back and marks it as paid in full. 2 GM provides me with a paid in full letter and we go our separate ways. GM breached my confidentiality by calling in on a customer line where over XXXX people now have access to that call and personal information. If these XXXX options do not fit for them I am open to hear what they have to say. If need be I will sue for breaching my confidentiality willfully with the intent to cause harm.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-26 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: DC

Complaint narrative:
My debit card was lost and somehow someone was able to get my PIN and use the card to make bogus deposits and then shortly after withdraw the funds. I told the bank when I logged in to see my balance and saw this huge overdraft of over {$6000.00}. I explained that I did n't know the card was gone and that I had nothing to do with what happened. All of the withdrawals took place in Pennsylvania and I live in Virginia and work in XXXX. The bank claimed they did an investigation which I doubt and they expect me to pay back something I never got. I filed a police report with XXXX County 's financial crimes department but because the actual crime took place in Pennsylvania, they could n't do anything. I looked up the police department associated with the area the bank was in where all of this transpired and they claimed that the State police had jurisdiction. I called the State police and they claimed they did not. I got nowhere over the phone with that and because I was working could not get up there to file a police report. 
The bank in question is Santander Bank. I opened the account online. I filed the waiver they claimed I needed to and they still claim that because I could n't account for when or how my card and PIN were compromised, I was responsible. I do n't have that kind of money. What can I do? They call over and over. They leave messages at my work and that incident happened a little under a year ago. This bank is horrible. Why would any bank with no history of such deposits and withdrawals allow such to happen?

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 2016-06-10 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: OH

Complaint narrative:
My complaint concerns Nissan Motor Acceptance Corporation 's ( NMAC ) inept handling of my automatic ( ACH ) payments for the payoff of my XXXX XXXX XXXX. I purchased my XXXX from a XXXX Ohio dealership in XXXX XXXX, and set up the simple interest loan amortization through NMAC. After my down payment and trade in, my loan balance was {$14000.00} with an interest rate of 3.27 %, and 4-year payment schedule of $ XXXX/mo. This was to be withdrawn from my checking account in monthly periodic payments until XXXX XXXX. 

Payments were made periodically and monthly in the amount of {$310.00} from XXXX XXXX until XXXX of XXXX, when NMAC, for some reason stopped using ACH as the withdrawal mechanism. I was unaware of this, as I made NO change to my checking account to withhold payments. We love the car and certainly want neither a repossession of nor a credit ding. 

Today ( XXXX/XXXX/XXXX ), I got a call from an NMAC account manager who expressed concern that my account was now in default and my credit score would suffer. This is came as quite a personal and disturbing shock, causing me to feel anxiety as to how to resolve this. I told the account manager that no action or inaction on my end deserved this kind of treatment, credit downgrade, or any other impending action, despite the account manager being quite diplomatic and responsive. My bank had indicated to me that the drop of the ACH would have had to come from NMAC as they made no change to the account. This bothered me a bit all mid-morning, including the possibility of a credit downgrade, and potential auto repossession. 

The account manager gave me a number and personal extension to call back to clear this up. Now, I had been making PRINCIPAL ONLY payments, since this year ( XXXX ) but for some reason NMAC was partially applying those payments to the " soon-to-be delinquent '' account. Well this is a shock and underscores the incompetent XXXX who " upgraded '' the NMAC system to the tune of {$10.00} XXXX ( nice job XXXX ). 

I will supply further information to the CFPB as this proceeds forward.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-04 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
hi Bank Santander reported " account risk '' for the XXXX accounts to " XXXX XXXX '' credit reporting company. Subsequently, other banks that I held bank personal accounts, credit cards, IRAs, XXXX accounts terminated my accounts. Now I have to open new accounts, but I have a hard time to do so, because XXXX keeps issuing " account risk '' for my ID. 
The problem is with bank Santander / Sovereign, I would like the information about " account risk '' to be removed from my file due to the following reasons : 1. I am a joint signor on the accounts, but I never performed any operations with this accounts. I did not receive any statement or information from the bank about these accounts, even though they have my correct address. 
2. I am not the owner of the company that owns these accounts and I have a limited liability for these accounts. 
3. The bank never gave me any information regarding any unpaid fees or any problems. 
4. The bank never gave me a chance to correct the situation and pay the fees or any other losses. 
5. The negligence of Santader bank causes me stress and I have troubles to open any other bank account. 
Contribution ref # XXXX & # XXXX that " XXXX XXXX '' received, for the accounts # XXXX and # XXXX. 

Regards XXXX 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
Consumer complaint received 2016-04-10 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Application, originator, mortgage broker — 
Company: Reverse Mortgage Solutions, Inc.
State: PA

Complaint narrative:
COMPANY # 1 : XXXX COMPLAINT : After many months of submitting required documents - documents that necessitated spending of my own limited retirement income, I received a letter that the application for reverse mortgage had been denied. REASON GIVEN : I had ( personally decided to ) cancel the application. I had NEVER cancelled the application ; particularly after spend my own money and time. Phone calls demanding clarification were never answered. 

COMPANY # 2 : Security 1 Lending COMPLAINT : After months of submission of required documents and after spending my own limited retirement funds bringing the property up-to-date for appraisal, I was told that my application could not go through unless I came up with {$20000.00} to allow Security 1 Lending to pay my ( 1 ) property taxes and ( 2 ) home insurance for the rest of my life. I told them that I was supposed to pay for home insurance and property taxes. The answer was no. I then got a letter from the company giving the following reason for declining my application : " Insufficient funds to close - Borrower not willing to bring funds to closing. '' On the contrary, I was willing, but did not have the money. I explained that to them. 

According to FHA/HUD, the borrower is supposed to pay property taxes and home insurance, and not the bank. It also defies logic and common sense to conclude that I would not be able to come up with {$5300.00} per year in property taxes and home insurance ( combined/total ) This figure has been obtained fro XXXX XXXX and XXXX XXXX officials. The total amount of mortgage payments to XXXX is {$15000.00}. Money saved through reverse mortgage would have been {$15000.00} - {$5300.00} ( in property taxes and home incurance combine per year ) = {$10000.00} ( aproximately ). The {$10000.00} does not include my XXXX retirement annuity income of {$XXXX} per year, at {$XXXX} per month, for life ). Documents to this effect were submitted to Security 1 Lending last year. 

After spending my own money in applying to to companies for reverse mortgage, only to be turned away, it 's heart breaking. I strongly suggest that pertinent information ( to determine eligibility ) should be gathered at the start of the application process so as to determine the eligibility of the applicant before the applicant waste time and money onmly to be denied after several months later. What is the use of a reverse mortgage if the applicant has to be required to spend {$20000.00} in order to qualify for a reverse mortgage? 

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Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-30 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: AMERICAN HONDA FINANCE CORP
State: VA

Complaint narrative:
I co/signed for a car for my son in 2007 he and his wife left me with the payments that I could not make. The car was repossessed. The car agency called me after the repossession to inform me of what happened and asked me to make payments. The car was sold at auction but a {$10000.00} balance remained unpaid. This went on my credit and stayed on my credit for 7 years. I recently went to my credit union and they told me that the repossession has been reported again. It remains on my credit although its been over seven years. I am unable to use my credit due to this problem that will never go away. I am a senior on a fixed income who needs access to a good credit score, I pay my bills.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-25 00:00:00
Product: Debt collection — Payday loan
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: High Point Asset Inc
State: WI

Complaint narrative:
High Point Asset called my employer and told them they are trying to contact me to collect a debit. My employer took the phone number for me to call them back ... this was very embarrassing. the number is XXXX. I called them back and they tell me the are collecting a debit for XXXX XXXX from a loan 4 years ago, this is the first I have heard of this company and do not remember taking a payday loan from this company. Why would a company wait 4 years to try and collect a debit if it was a legitimate debit. I believe this is a scam.I had my identity stolen last year and a false tax return was filed in my name. They sent me an email after I asked for proof of the loan but it does not prove anything, does not even include the original creditors address or phone number.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-07 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY
State: ND

Complaint narrative:
My checking account with Wells Fargo was overdrawn by over {$200.00}. At that point I submitted a request in writing, using the secure message portal from my online profile to have my checking account closed. Wells Fargo chose to leave my account opened for several weeks while charging me excessive fees for attempts made on my account to collect payments. Wells Fargo also processed many of the transactions, putting me further in debt. By the time they decided to close the account, my checking account had been over drawn by almost {$2000.00}, with almost have being attributed to fees. This is a clear violation of what they have vowed to do different after being fined for the same behavior.

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 2016-07-28 00:00:00
Product: Debt collection — Auto
Issue: False statements or representation — Attempted to collect wrong amount
Company: General Motors Financial Company, Inc.
State: TX

Complaint narrative:
GM Financial has failed to correct erroneous information submitted to XXXX, XXXX and XXXX CRAs. 

The accounts on my credit reports are not reflecting the correct or consistent " purge from '' dates. They have been illegally re-aging this debt. Additionally, they are illegally inflating the amount owed even according to their own internal records.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-02 00:00:00
Product: Debt collection — Auto
Issue: Communication tactics — Called after sent written cease of comm
Company: General Motors Financial Company, Inc.
State: UT

Complaint narrative:
XXXX XXXX called me on XXXX/XXXX/2015 collecting for GM financial I explained to them the the account with GM financial was over the statue of limitations for collection XXXX XXXX explained to me to send them a validation letter and she would send the file back to GM Financial. I received the letter from the company on XXXX XXXX,2015 and sent a validation of account to XXXX in the meantime they inquired on my credit with all XXXX bureaus on XXXX XXXX,2015 after I spoke to them over the phone and put them on notice when I called them XXXX XXXX, 2015 to confront them they told me that GM financial gives them authorization to pull my credit. I did not authorize XXXX to pull my credit and GM financial account is null and void due to statute of limitations.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-23 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LoanCare, LLC
State: IN

Complaint narrative:
The issue is cause by Loan Care Mortgage Company. They have may XXXX errors with my mortgage this year so far. # 1 On XXXX/XXXX/XXXX - I received a check for {$1000.00} from " Loan Care '' stating that my Escrow had an overage & that this amount was being return to me. I call " Loan Care '' { same day } asking that this call be recorded as well. Then I ask the CSR was this check send out an error on " Loan Care '' part or was this for real and to check to be sure this was not a mistake. The CS person said that the check was not a mistake, it was an overage to my Loan & Escrow accounts, that all bills { loans & Insurance and taxes } are paid. I question the CSR again & the same answer. The CSR person said that if I did n't want the check, just send it back. I reply that if is this for real, I was going to pay a bill with it. # 2. I found out on XXXX that " Loan Care '' had been applying Mortgage payments to my Escrow account. # 3. I call " Loan Care '' on XXXX/XXXX/XXXX to find out were my Loan Statement was, I 'm trying to Re-fi my mortgage with XXXX & need a up to date statement. That 's went I was told ; that I was behind in Home payments & it had been reported to the " Credit Company 's ''. That 's when I found out that my Mortgage payments were being added to Escrow accounts. After talking to XXXX different CS 's, I found out that they had added XXXX Mortgage payments to my Escrow account & not my Mortgage. " Loan Care '' Mortgage Company only found these errors out when I call them on XXXX/XXXX/XXXX. I then was transfer to upper management person - XXXX XXXX. I told her all that I found out about what was going on with MY Mortgage payments. XXXX said she was correcting all of the payments errors as we speak. But that I was still behind XXXX payment & I need to pay it. I told her I do n't have it & that after I call " Loan Care '' on XXXX, I had paid a bill with that money they had send back to me & that this was their BIG ERROR. I told XXXX that the mortgage was being paid by Indiana Gov'ent help fund. That I was calling Indiana XXXX XXXX and reporting " Loan Care Mortgage. XXXX group told me to file this complain with you and the Indiana Attorney General as well.. The payments were made in good faith and the " Loan Care '' Mortgage Company was the one making all of errors and not taking responsibility for said errors.

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 2015-12-08 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Indicated committed crime not paying
Company: Vengroff Williams, Inc
State: NC

Complaint narrative:
I was involved in a car accident. My car was new so my insurance was on a binder until the new auto info was given. The police said i was not at fault. The insurance company, XXXX XXXX, went against the police and law, and said i was responsible. 
A collection agent, Vengroff Williams Inc., is now trying to collect money for XXXX XXXX, and the amount is over 7 times higher than the highest of the XXXX estimates. 
i have tried to talk to XXXX XXXX, and they are stone walling me and rude. I am not responsible, yet XXXX XXXX made it so. 
I simply want XXXX XXXX, to tell me how they made me liable, when the police and law say i am not. I was not cited, the other party was.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-06 00:00:00
Product: Debt collection — Mortgage
Issue: Communication tactics — Threatened to take legal action
Company: Cooling & Winter LLC
State: GA

Complaint narrative:
Account handled by XXXX XXXX XXXX now turned over to new attorney - Cooling & Winter. Never received debt information from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-04 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: BBVA FINANCIAL CORPORATION
State: CA

Complaint narrative:
Bbva compass has now charged me twice in the amount of XXXX to remove XXXX dollars for a California levy order. XXXX dollars have moved from my account to the levy order, but bbva happily charged me XXXX for transferring XXXX dollars. After there was a negative balance they charged me XXXX dollars for clear benefits which will cause XXXX dollars in overdraft fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-29 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BBVA FINANCIAL CORPORATION
State: TX

Complaint narrative:
On XXXX, I had a beginning balance of {$18.00}. There were XXXX debits of {$15.00} and {$65.00} and a deposit of {$120.00} processed that day. The bank processed the debits before the deposit and charged me a {$38.00} overdraft fee on XXXX. When I called customer service on XXXX, the phone rep told me that it is the bank 's practice to post debits throughout the day no matter what time of the day so if a debit comes in during the day before a deposit comes in that same day, the fee is valid. But he then credited the fee. On XXXX, I had a beginning balance of {$35.00} and a pending transaction of {$10.00}. There was a debit of {$25.00} on XXXX. On XXXX, the bank charged me another {$38.00}. When I called customer service on XXXX, the phone rep told me that it is the bank 's practice to post transactions against the available balance, not the actual posted balance in the account so when the {$25.00} transaction presented, the bank did n't subtract {$25.00} from the balance of {$35.00}, they posted it against the available balance of {$24.00} because of the pending transaction of {$10.00}. I asked for a supervisor who confirmed it is the bank 's practice to post debits before credits on the same day if the debit presents at an hour during the day before the credit presents and that the bank does pay from the available balance even though a pending transaction may never post to the account. I told him that it was n't fair to do that because a customer has no idea what time of day during the day that debit is going to present to the account and a pending transaction may never post. He told me the fee was valid and that 's the way the bank does business.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Settlement process and costs — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: AZ

Complaint narrative:
The only way to obtain essential document is thought a fax machine. I do not have a fax machine all of my documents are via e-mail. This mortgage was obtained from XXXX XXXX XXXX just over a year ago. Carrington Mortgage Service will only allow changes to the Escrow Account or PMI with these foams.

Company response to consumer: Closed with explanation