vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-09-23 00:00:00
Product: Payday loan — 
Issue: Charged bank acct wrong day or amt — 
Company: High Point Asset Inc
State: KY

Complaint narrative:
THE CURRENT CALLER IS HIGH POINT ASSET MANAGEMENT THE NUMBER IS XXXX. THEY CONTINUALLY CALL ME HARASSING ME ABOUT A PAYDAY LOAN FROM 2011 THAT HAS BEEN PAID BUT THEY ARE CLAIMING IT HAS N'T AND ARE USING ROBOTIC CALLS TO TRY AND GET ME UPSET OR SCARED SO I WOULD PAY. NO REAL INFORMATION ON WHO I OWE AND WHEN I ASKED THEM FOR INFO THEY SAID THEY COULD NOT GIVE IT AND WOULD WRITE DOWN THAT i REFUSED TO PAY.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-15 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Shopping for a loan or lease — 
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: VA

Complaint narrative:
I leased a Nissan Sentra for my daughter from XXXX XXXX in XXXX. My daughter lives XXXX The vehicle was registered in XXXX. Nissan Motor Acceptance Corporation paid XXXX State Tax on the vehicle and billed me for that Tax. I live in XXXX. I worked with XXXX and NMAC for several years attempting to resolve the issue. XXXX noted that the issue seems to have been resolved by NMAC. This was in XXXX of 2013. Recently I approached my bank to get a loan to buy out a lease. The loan was denied because NMAC put a note on my credit report advising that I did not pay for these taxes. I am not sure what to do at this point. I have contacted an attorney. He advised that I should file this complaint first, get a number so that we may proceed with legal action against NMAC and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-25 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: General Motors Financial Company, Inc.
State: IL

Complaint narrative:
GM Financial somehow lost my {$300.00} payment that was sent to them in XX/XX/XXXX and/or XX/XX/XXXX. Their records indicate that I never made a payment ; I sent them my statement from that time period that confirms that they did indeed receive and process the payment for {$300.00}. I contacted them in XX/XX/XXXX to resolve this, and no one has done anything so far. Everytime I speak to someone over the phone or via email, I am told that management is looking into it. It has been almost 3 months. This needs to be handled ASAP. My loan had an original payoff date of XX/XX/XXXX, but now it shows that I owe {$1000.00} in late fees that never should have been there. I paid my bill on time every month. They need to locate this missing payment. It was taken out of my account and processed by them, and they refuse to acknowledge this. This loan is showing negative marks on my credit as well as a leftover balance of {$1000.00} due to GM Financial 's error.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-30 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: General Motors Financial Company, Inc.
State: FL

Complaint narrative:
My Auto Lease payment was due on XX/XX/2017. I made my payment early on XX/XX/2017 Credit Card Payments that is used with GM Financial online payment option was XXXX via GM Financial online system when I log into my account. The Payment Option Link for XXXX. When I click on the link from there website It ask me to enter the Bill Payer, I entered GM Financial and a drop down came up to select GM Financial Leasing ( I have a lease ). I continue to enter my payment amount {$560.00} and XXXX XXXX confirms the payment and I paid same day service 2-4 hours fee of {$44.00} ( Total Transaction including my lease payment and XXXX XXXX fee {$610.00} ). After I get my payment conformation via XXXX XXXX Tracking number ( MTCN ) : XXXX. I email GM Financial right away asking them if the received my payment. I then receive an email from GM Financial 2 days later telling me that the payment has not posted. At this point I am very concerned because I always pay my balance on time and before the due date and somehow this payment is taking forever to apply to my account. I check my Credit card with my Financial Institution and the charge had already posted to my Credit Card I used on the same day. I contacted GM Financial several times to ask what is going on with my payment, my bank acct is drafted and payment is confirmed with XXXX XXXX, what is taking so long to post my payment to my account. I spoke to several managers and one Manager XXXX looked into research with the payment processing department and found the payment was made. I was told that the payment would be posted to my account at XXXX. Low and behold my payment was not posted the next day. I called GM Financial several times on the next day and was told they found my payment but somehow it was routed to another department and they are forwarding my payment to my account, and this time it will post in 24 hours, at this point its 5-6 days later. Today XX/XX/2017 I check my online account and I still see payment has still not posted. My Credit card has a posted charge deducted for the payment and XXXX XXXX has confirmed the payment on same date XX/XX/2017 and GM Financial has confirmed the payment and still they have not applied my payment to my account, causing me account delinquency.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-01 00:00:00
Product: Debt collection — Mortgage
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
Continue to call a number that they have been asked not to use. We were told that they deleted the number from their system. Obviously, they did not.

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 2015-07-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Crown Mortgage Co.
State: IL

Complaint narrative:
What happened is that I submitted a loan modification to my lender Crown Mortgage Company my account # is XXXX there phone number XXXX back on XXXX/XXXX/2015 I provided all the documents necessary that Crown asked for a proper review. Last document that the lender asked for was a water bill that I faxed over on XXXX/XXXX/2015 for them to have a complete package to submit to underwriting to review. I then receive a denial letter on XXXX/XXXX/2015 that was dated XXXX/XXXX/2015. From what I was told from numerous attorneys is that when the lender has your file complete it takes a minimum of a week to properly review a file check with FHA guidelines escrow analysis and what not. There was no way that Crown could decision my loan modification in 1 day. Crown said that the loan modification was rendered unaffordable do to my finances which as they have calculated is a lot less then what I submitted to Crown mortgage.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-30 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: General Motors Financial Company, Inc.
State: WA

Complaint narrative:
GM financial sends me a paper statement that is {$160.00} short of my actual account balance. Online they show the correct balance. I have been trying to correct this for four months. I have called them I have been told is taken care of and they understand the problem yet I keep getting these fraudulent statements. I know they 're going to XXXX me at the end of the lease and I want this corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-30 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
Opened account in XXXX 2013 with Santander Bank in XXXX, MA. Was told that all my accounts were overdraft protected. I was never notified about any changes and have been charged for account " maintenance '' and overdrawn accounts, even though the telephone customer service did n't help. I went to a local bank in XXXX XXXX and met with a bank representative who told me he would contact the XXXX office. After a week or so I had n't heard anything, so I emailed said banker who wanted me to call him. I told him I would rather email and I have n't heard from him since

Company response to consumer: Closed
Consumer complaint received 2016-05-04 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Reverse Mortgage Solutions, Inc.
State: CA

Complaint narrative:
I have a reverse mortgage and the lender is trying to foreclose on me because for one month I had to go out of the country and I fell ill and they are claiming I didnt live there and they are also NOT willing to give me a payment plan to repay the taxes I owe in the amount of {$11000.00}. I offered a contribution amount and the rest in payments and they refused. I am XXXX years old on a fixed income, I am going to pay. For {$11000.00} they want to put an XXXX year old on the streets. Please do not allow them to do this, I have other friends and their reverse mortgage servicer allows them payments for when they fall behind. Please God Help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-15 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Taking out the loan or lease — 
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: MN

Complaint narrative:
Infiniti / Nissan finance offers a lease transfer. A fee of {$250.00} is paid to transfer the lease and ensure the credit worthiness of the new leasee. However, if the lease is transferred, Nissan / Infiniti will still report the outstanding lease amount to credit bureaus in the name of the original leasee. This does not appear to align with Regulation M and the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-14 00:00:00
Product: Payday loan — 
Issue: Can't contact lender — 
Company: High Point Asset Inc
State: FL

Complaint narrative:
My coworker received a call from High Point Asset on her personal cell phone. I called the company and spoke with XXXX XXXX and he stated that my loan with the originator was paid off but XXXX people actually lend the funds to me and that i needed to pay the other XXXX loan companies back. I asked him to provide a copy of the contract which states that my loan was with XXXX different companies and to provide me with the original company that I received this payday loan from. The gentleman refused and I instructed him not to contact my employer, coworker, or anyone else looking for me. XXXX then stated that he will continue to call until I pay off the other XXXX companies. He stated that he will not furnish me a copy of my contract. The number they called from is XXXX -- XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-14 00:00:00
Product: Payday loan — 
Issue: Payment to acct not credited — 
Company: DFC Global Corp.
State: FL

Complaint narrative:
I applied for a payday loan on XX/XX/XXXX from The Check Cashing Store. The website said repeatedly that the money would go " right to my account. '' After the loan was approved, a message appeared on the site saying that the money would be in my account within 48 hours. I spoke with several people in the company and was told different answers each time. When I asked to have the loan cancelled, I was told that that was not possible because the loan was " in progress. '' When I spoke to XXXX in the " complaint department, '' I was told that someone from the payday loan dept would call me back within 1-3 business days. I did manage to reach her myself. She stated that the loan was not approved for 24 hours and then it was up to the bank to decide when to deposit the money. According to this information, it is not really the Check Cashing Store 's fault that the money is not in my account, it is the bank 's. Had I known any of this up front, I would have driven the short distance to the store and taken the money to the bank myself. It is 4 days since I was given the " loan '' and the money has not appeared. My bank account has accrued more than {$200.00} in overdraft fees at this point. The Check Cashing Store 's online description is a distortion of the facts. Consumers are not given vital information about the process in advance of the approval. In reviewing the documents I signed, I find no information detailing the delays. In fact, it states that my loan was funded on XX/XX/XXXX and that interest would start accruing on XX/XX/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 2016-11-16 00:00:00
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: STERLING JEWELERS, INC.
State: TX

Complaint narrative:
I have a past due debt with jared 's. I became ill 12 months ago and have had difficulty with their insurance protection company not accepting my paperwork and refusing to open a claim. In the process I have made all attempts to make minimal payments, but unable to do so any longer. Jared 's has called 20 times per day, and now they are contacting my family members and disclosing information about our debt. They have called my spouses employer in an attempt to contact me. They are also calling under false pretenses. Pretending to be a tire service and other insurance companies as XXXX and banks, XXXX XXXX. They are also calling and not identifying themselves on caller ID.

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 2016-10-27 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: CONTRACT CALLERS INC
State: CA

Complaint narrative:
I had filed a complaint XXXX : a collection account for XXXX that was being handled by ICS systems and they did remove the dispute from their system and they said they closed the case and that they made the correction to the credit bureaus. So in reviewing my credit it has dropped from XXXX to XXXX and the new credit collection agency called contract callers now is reporting this incorrect information which has Transunion giving me a XXXX FICO. Well I called and they put me on the line with the person but she was extremely rude and kept calling me sir sir after I told her this is not a sir. She just kept telling me sir so I asked to speak with a supervisor and he got on the line and began to call me sir and then hung up. I do not owe XXXX to XXXX for a address XXXX. XXXX, CA. XXXX. This problem had been resolved with PGE and I stand a 100 % correct because the owner of the property was illegally billing my account. I have never missed a payment for 8 years and I have established a great trust with these XXXX. and I wish to maintain that. 
there number is XXXX and it is for {$210.00} for 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 2015-10-01 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: STERLING JEWELERS, INC.
State: SC

Complaint narrative:
I received a voicemail about a debt from 9 years ago from a respresentative stating to work for XXXX XXXX XXXX number XXXX XXXX XXXX XXXX. Unsure of the debt I contacted the phone provided and was informed that they were suing me for a debt I apparently owed in 2008 to Kay Jewelers for {$2000.00}. After informing them that I had no knowledge of the debt or have I received any communication of the debt, he informed me that I could no longer challenge whether the debt was actually mind. He then gave me XXXX options to pay the debt. I refused stating again that I can not pay for something I do not owe. He then threated that I was being sued and that my wages would be garnished. Before I could ask any more questions, the representative stated, " Good luck in court '', before hanging up.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-30 00:00:00
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Second Round Limited Partnership, Austin, TX Branch
State: NJ

Complaint narrative:
Second Round LP, collecting on behalf of XXXX XXXX XXXX continues to try to make attempts to collect on a debt that has already been paid for on XXXX XXXX, 2011. They call me various times a day!

Company response to consumer: Closed
Consumer complaint received 2016-07-07 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: The Phoenix Recovery Group
State: FL

Complaint narrative:
Recently I reviewed my credit reports from XXXX and XXXX and noticed that Phoenix Recovery Group is reporting a debt on my credit reports that I do not owe. I 've sent them certified letters requesting that they validate this debt. I received a letter from them in XXXX XXXX with a signed copy of my lease and documents stating that I owe monies for rent in XXXX XXXX. I sent Phoenix Recovery Group another certified letter which they received on XXXX XXXX, XXXX presenting them with an email that I received from the Property Manager confirming that he was in receipt of my apartment keys on XXXX XXXX, XXXX. I moved into my new apartment on XXXX XXXX, XXXX which I have the lease for this. How can I owe a debt for the entire month of XXXX if I returned the keys back to them on XXXX XXXX, XXXX? 

I have not heard back from them in regards to the email that I sent and was received on XXXX XXXX, XXXX. After further research I found of that this company is not even legally licensed to collect debts in the state which I 'm a resident of, FL. In addition, they have falsely misrepresented themselves as my credit reports list them as a Collection Agency/Attorney. 

I contacted XXXX XXXX XXXX to advise him that they are reporting incorrect information on my credit report and that I want this removed especially since they are not licensed to collect in FL, not Phoenix Recovery Group or their parent company. 

I have recently been denied credit because of this collection account, this is damaging to my reputation, as I am in the process of starting my own business and this debt haunts me.

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 2015-09-22 00:00:00
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: STERLING JEWELERS, INC.
State: MA

Complaint narrative:
On XXXX/XXXX/2015 a credit card application for Kay jewelers was falsely submitted in my name XXXX XXXX. I found out about this from XXXX which is a Identity theft protection service on XXXX/XXXX/2015. I did not submit any application to Kay jewelers for a credit card but yet it was done by them. I spoke to a manager in the credit card issuing department and I was told that there was no recent applications on me to apply for a credit card. I then called XXXX and was told by them their was definitely a hard inquiry of my credit from sterling/ kay jewelers on XXXX/XXXX/2015. I would like someone to see why this happened and resolve this problem as well as having them take this false credit check of my credit report. I spoke with them about removing it as well and they proceeded to tell me they did not do the credit check. I XXXX XXXX give permission to pull my credit report for verification for this complaint, thank you

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-14 00:00:00
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: Capital Accounts, LLC
State: HI

Complaint narrative:
XXXX made up unecessarily high false visits and charges to purposely run up a high bill to aid the attorney who referred me to him to win a lawsuit. When the attorney dropped the case the XXXX is now trying to put this fraudulent bill on me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-10 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: STERLING JEWELERS, INC.
State: WV

Complaint narrative:
In XXXX I opened a Kay Jewelers Account to finance wedding rings. I fell behind in payments and made arrangements through Kay to auto-deduct {$35.00} every two weeks from my bank account. The deductions continued for a little over a year and stopped ; not by any act of my own so I assumed the debt was paid. I was contacted approximately 6 months after the last deduction by Kay who stated I owed approximately {$600.00}. I told them I disputed the debt and continued to receive notices and phone calls for another month ; all of this occurred from XXXX to XXXX or XXXX. I then received a phone call in XXXX of XXXX from an associate from XXXX XXXX XXXX who stated they were collecting the debt on behalf of Kay and said I owed {$1300.00} and then went on to say that if my employer ( Sheriff 's Office ) had to collect the debt it would be embarrassing. I spoke with the associate at length describing what had occurred and she did confirm that the account showed that the auto withdrawals had ceased for an unknown reason. She stated that her firm would settle the debt for {$600.00} so even though I disputed the debt I wanted to clear it up so I agreed and paid the aforementioned amount with the last payment occurring on XXXX XXXX, XXXX. ( I have XXXX emails confirming this as well as confirming that the debt would be deleted from my credit file ). On XXXX XXXX, XXXX, I received a phone call from an associate from XXXX XXXX XXXX who stated they were collecting a debt on behalf of Kay Jewelers for over {$1000.00}. I tried to be as courteous as I could but did tell them that the debt had been paid through XXXX XXXX XXXX. They requested for me to send them proof but I declined and told them I was not paying anymore money and hung up. Approximately an hour after the first phone call XXXX XXXX XXXX called me again trying to collect the debt at which point I explained to them again, less courteous this time, that I would not pay anymore money.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation