vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-03-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc.
State: FL

Complaint narrative:
I tried to get a new car XX/XX/XXXX and XX/XX/XXXX. Was informed the auto loan I have been paying on since XX/XX/XXXX has not went down and is actually more money then I originally leased for. I was financed for {$10000.00} with an interest of 23.81 % according to the documents I have. I have been paying {$280.00} -XXXX every month and now the total due is owe {$11000.00}. This car will never be paid and I discovered interest is accured daily at the 23.81 % rate. I spoke to a customer service agent who said the car is owed {$11000.00}. The car was a {$10000.00}. 

The company has over 1400 complaints online for the same issues. To add this, the company is reporting to the credit companies and it looks like I am making payments on a revovling account instead of a fixed loan. 

I have all the documents and credit reports. I will have to scan the additional documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-01 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Receivables Performance Management, LLC
State: TX

Complaint narrative:
Received letter from XXXX XXXX offering an amount to settle account. The letter states your account will be considered " Settled in Full '' Once I paid the debt my credit report updated to " Settled - less than full balance ''. I believe that is very deceptive and misleading. It appears as if your debt will be considered settled in full however it is stating you settled for less. This was never stated in the letter or phone call.

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 2018-03-01 00:00:00
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Columbia Collection Service, Inc.
State: OR

Complaint narrative:
Columbia Collections is on my credit report for unknown reasons. I have never agreed to do any business whatsoever with this company or any company that they represent.

Furthermore, this involves a supposed medical debt and it is a HIPAA violation for a medical provider to give medical info about me to a 3rd party, such as Columbia Collections.

If the medical provider believes that I owe them a debt then they need to collect it themselves. I never agreed to do any business whatsoever with Columbia Collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Early Warning Services, LLC
State: CA

Complaint narrative:
Early warning has me listed and for unknown reason I've been held back from banking and finance I'm at a hardship point for no reason at all. XXXX XXXX XXXX has blocked me from everything and amount as of my knowledge XXXX dollars and that was the first transaction.that I found out about.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-01 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Bliksum, LLC
State: CA

Complaint narrative:
I hope this is not a scam, since I just signed the modification package and made a {$100.00} payment on my loan. I am copying the FTC on this email, just so that XXXX   and it's subsidaries did not cooerce me into signing false documents and making a payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-01 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONSTAR MORTGAGE LLC
State: NC

Complaint narrative:
Mr.Cooper /Nationstar Nationstar has charge me double the escrow in my previous modification which made. my modification unaffordable. I have a document from their attorney XXXX XXXX as proof. Now they state I have reached my maximum modification but they were calculating it incorrectly. I have suffered from medical issues, loss wages and recvd a XXXX XXXX from XXXX XXXX.I have found employment and can now afford to pay but Mr.Cooper will not give me the modification i need to save my home. You can not count modification that have contributed to my hardship making it difficult to meet the payments and errors on their part.They charged me {$1600.00} and {$1700.00} amt of last two modifications. It is now XXXX per XXXX XXXX there attorney who found the discrepancy. I need someone to hold Mr.Cooper accountable for their actions and give me a modification or reinstate my loan as i owe more than home is worth.I was Injured, had XXXX out w/no pay, diagnosed w/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and and gov't put me in no pay status 6 months pending determination from doctors the removed me medically. I explained this hardship to Mortgage when i applied for a forbearance through Community Link/NC Foreclosure Prevention summerXX/XX/XXXX. They denied forebarance and never informed me when i called regarding fall XX/XX/XXXX modification application the told me they treat forebarance like modification and denied me. 
I wouldn't be so far behind had they calculated my modifications correctly. 
In addition, the investor XXXX wants me to pay {$15000.00} then XXXX a month for 6 months the mortgage of {$1200.00}. to get modification. Ridiculous! The other two investors agreed to give me a modification. 
If you have any questions regarding the investor 's please feel free to contact The reinstatement Program at XXXX ext XXXX XXXX he is trying to assist me with the modification. I received a sale date of XX/XX/XXXX two days ago while XXXX   was communicating with last investor. 
Please help me.I am a single mother and I want to keep my home. 

Thank You XXXX XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: FL

Complaint narrative:
I have tried numerous times to have XXXX removed from my credit. I do not have a XXXX account & I have tried having this removed serveral times unsuccessfully. 
They are currently reporting negative on my credit for two amounts from XXXX. 
One for {$580.00} & XXXX from different dates. 
I did not authorize or have this account.

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 2018-03-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: Convergent Resources, Inc.
State: GA

Complaint narrative:
Someone stole my identity downtown XXXX and they was using my name to order different things get an apartment and they spent all the money on my debit card and credit card

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 2018-03-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: STATE EMPLOYEES CREDIT UNION
State: NC

Complaint narrative:
The State Employees Credit Union, this is reporting the wrong information that is inaccurate. This is an inquiry that I did not consent to and its reporting on my credit report where its stopping me for obtaining credit at different places, I would like ; this to be removed from all 3 credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: NJ

Complaint narrative:
I am a customer of XXXX XXXX XXXX. My first complaint is I was never notified about the lawsuit and making a claim. We pay our mortgage every month and somehow we are being charged with {$5000.00} in late fees or other miscellaneous fees. It keeps going up. In addition to this problem, every year according to them our escrow account is short for paying homeowners insurance and taxes. This is almost impossible. I contacted Ocwen about a year ago regarding the processing of our monthly payments and fees to get an accounting history on this and I never received anything. We really need to have this rectified and I believe we should have a part of the claim filed against them as we have been billed incorrectly and right down frauded. I am hoping to get some assistance to fix these errors and compensated for the mistakes that are piling up every month. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-01 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
I sent a {$300.00} payment in addition to the regularly scheduled payment {$410.00} on the student loan with Navient. I included a note with special instructions stating this {$300.00} was to be applied to principal only. Upon checking the account history, the {$300.00} was split {$110.00} to principal and {$180.00} to interest. This student loan was originated XX/XX/XXXX. I am trying to get the loan paid off. On XX/XX/XXXX I had submitted a {$4000.00} check with instructions for this money to go on unpaid interest and fees. Account history shows {$72.00} was applied to principal and {$3900.00} was applied to interest like instructed. Why are the special instructions not being followed? I am trying to get the loan paid off. 

Upon review of account history, the payments have alternating months when interest is greater than principal management.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-01 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
TRANSUNION HAD A " SERVER ERROR '' XXXX. TRANSUNION DELETED A TON OF INQUIRIES FROM CONSUMER 'S CREDIT REPORTS THEN PROCEEDED TO PUT THEM BACK ON THE CONSUMER 'S CREDIT REPORTS. TRANSUNION FAILED TO FOLLOW THE LEGAL PROCEDURE TO ACTUALLY DO SO!. I CALLED TRANSUNION @ XXXX AND SPOKE WITH A REP, A SUPERVISOR, AND SPECIAL HANDELING THAT VERIFIED ( ON RECORDING ) THAT I WAS A VICTIM OF THE " INQUIRY ISSUE '', THE CUSTOMER SVC REP WOULD NOT HELP ME AND DID NOT TAKE CARE OF THIS TO DELETE THE INQUIRIES FROM MY CREDIT FILE EVEN AFTER VERIFYING THAT I ( IN FACT ) WAS A VICTIM. THE CUSTOMER SVC REP THEN VERIFIED THE ACCOUNT INQUIRIES LISTED HERE : XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX   XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX. ALL OF WHICH THESE RESULTING IN MULTIPLE INQUIRIES AND DUPLICATE INQUIRIES ON MY TRANSUNION CREDIT FILE.

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 2018-03-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I am writing this regarding fraudulent activity in my checking 's account in the early morning of XX/XX/18 in total amount of {$3900.00}. Earlier that evening, I used my card at a restaurant in the amount of {$11.00}. During my time there, I misplaced/lost my debit card without my knowledge. I woke up in the middle of the night to a text message from Chase regarding a valid withdrawal of {$800.00}. I saw this text message approximately 35 minutes from when it was sent. I immediately replied that it was not a valid transaction. I then called Chase service right away to request a cancel/issue of a new card and to report the fraudulent activity that had taken place. While doing so, I checked my checking 's account to see a total of 5 transactions that totaled {$3900.00}. Two of them were at a Chase ATM for {$800.00} and {$200.00}. The other 3 transactions were at a Currency Exchange, which is all the way on the other side of XXXX on the XXXX XXXX and I live all the way on the XXXX XXXX, in the amounts of {$720.00}, {$970.00}, {$1200.00}. I am shocked that Chase let MULTIPLE withdrawals of these amounts go through without blocking any of them. I have never withdrawn money like that before, so I believe that it definitely should have raised a red flag. Since my original call, I called Chase three times that week to check up on the funds since it's a great deal of money. All three representatives that I talked to assured me that my claims were under review, and I should be receiving my funds shortly. Chase then credited my checking account and then reversed the transaction out right away within a day or two. I was shocked. I called to see what was going on and the fraud representative was very unhelpful, rude, and told me my claim had been denied. I am in disbelief as any logical human could see that I have never had activity on my card like this before. She stated that it was declined since it was in the same geographical location from my address. I then proceeded to ask what is the distance maximum that this rule pertains to and she stated 2.5 miles. That's very interesting to me as the first 2 Chase ATM withdrawals happened a few miles down from the last place I used the card for {$11.00} and the last 3 transactions at the Currency Exchange happened approximately 10.4 miles away from my address which I attached to this letter, as I live North and these transactions were made all the way on the XXXX XXXX of XXXX. I am asking for your help in the recovery of these funds as Chase Bank is being very unfair, illogical, and negligent in their investigation of the Fraud claims as I have NEVER had activity like this before on my card. Help will be greatly appreciated. Thank you very much for your time and work.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: PNC Bank N.A.
State: OH

Complaint narrative:
This is in regards to my debit card with PNC. My card was recently lost or stolen and numerous fraudulent transactions appeared on my account. I filed a dispute with PNC and was denied because they said that there were transactions posted after some of the disputed items that I did not dispute. If I did not dispute them, then it was done in error. There were many transactions and they only allow you to dispute 9 at a time. So I actually had 3 separate claims because of this. Apparently I missed some. The person on the phone told me to dispute the items again, which I have done. Now, just to be sure theres no confusion, I am attaching a screenshot of EVERY TRANSACTION THAT IM  DISPUTING. The transactions include the ATM withdrawal on XX/XX/XXXX for {$500.00}, the XXXX XXXX transaction on XX/XX/XXXX for {$4.00}, and EVERYTHING IN BETWEEN. Also, there are numerous ATM fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
I went to branch to open a new checking account with a bonus code today, XX/XX/2018, at XXXX, and this account was successfully opend at around XXXX, and the banker gave me a welcome document case and told me how to sign up for the online bank. I went home around XXXX and tried to set up the online banking. Then I found the banker typed my cell phone with a wrong number, so I could not receive the text message. So I reqeust log in with security questions, and reset my cell phone numbers, then I was able to log in. But, the most ridiculous thing was, around XXXX, I received an email said " Access Denied for Funds Transfers '', so I tried to log in to my online banking again, and the system stated that my log in information did not match with the records. So I called the online banking department, and the representative told me that my checking account was already closed out based on the bank 's decision. It turns out that my checking account only survived for no more than 5 hours, and the bank just eat my two initial deposits and my bonus coupon code and killed the checking account at the same day due to the typo from the banker?!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-03-01 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: Navient Solutions, LLC.
State: NC

Complaint narrative:
Charged late fees by Navient after they were notified bankruptcy was filed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
On XX/XX/XXXX I requested a charge back to my credit card. The charges totaled {$14000.00} for services that were never completed and that were falsely represented by XXXX XXXX XXXX. 

I hired this company and paid through a merchant account named XXXX and have spoke to them as well. They informed me they were aware that this company owned by XXXX XXXX was recently in court practicing law without a license and has had serious criminal history regarding violent offenses and illegal check fraud. 

The services I hired him for were never completed, and not of legal authority by XXXX XXXX. The services were a fraudulent " debt remedy '' process that I soon found out from XXXX XXXX ( the district attorney at the Colorado Supreme Court who found him guilty ) that they are not legally sound practices, nor are they going to be able to " remedy '' my debt as they had claimed. 

I have provided Chase Bank with all supporting documents from XXXX XXXX XXXX showing what I had paid for as well as proof of communication from XXXX XXXX stating that he was going to provide a refund. This refund never happened and he is now on the run and hiding from the FBI. I also provided them with multiple documents from the Colorado Supreme Court proving that this happened to me and several other victims of XXXX XXXX XXXX. 

OnXX/XX/XXXX, I received a letter from Chase Bank stating that they found the charge to be valid and that they would not be able to issue a charge back for the fraudulent services that I was lied to and deceived into. 

On XX/XX/XXXX, I went and spoke to an associate at a local Chase Bank branch and explained to him my situation. He initiated another claim and helped me submit all supporting documentation and told me that it should be more than enough information. 

On XX/XX/XXXX, I spoke to the disputes department at Chase Bank and was told that my case was still under review. 

It is now XX/XX/XXXX, six months after I initiated this second dispute, and it still has not been resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Sessoms & Rogers, P.A.
State: NC

Complaint narrative:
I am totally and permanently XXXX and have not been able to pay off XXXX XXXX XXXX and XXXX XXXX XXXX credit card. I was XXXX XX/XX/XXXX. I was taking money out of my IRA retirement fund to pay my mortgage and credit cards. I went to credit counseling in XXXX, NC and was given advice about the letter I should write to the debt collectors. In my letter I explained that I was unable to pay because I had become totally & permanently XXXX and on Social Security XXXX. I tried to work with them after being harassed. I was not even given the opportunity to work with them on the balances. 
Next I was subpoenaed to court. They knew I was on XXXX because I also sent my Social Security XXXX Beneficial letter which showed my monthly income. Legal Aide helped with the exemption letters. Of course late fees & interest has almost doubled the balance due. I have to pay the full balance on XXXX XXXX XXXX {$6200.00} ( which is my mortgage co ) and XXXX XXXX XXXX {$4600.00}. 
I have been able to stay in my home through Short Sale and not foreclosure. Now my home has sold through Short Sale and closing was suppose to be XX/XX/XXXX. We couldn't have a closing because both banks put a lien on my home just 2 days earlier. I had to move out of my home before closing. All of my belongings such as furniture, clothes & toiletries are in storage in a different city. I can not get an apartment through HUD or Housing Authority because I have a mortgage still. The buyers were told today where we stand on closing so they've pulled out. I am living out of my car with my dog. I will also be paying more since I have an HOA of {$180.00} and {$90.00} for a storage unit and medical bills and food etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FIRST CITIZENS BANCSHARES, INC.
State: NC

Complaint narrative:
I got a letter from a Debit Collecter Service stating that they received a request from First Citizens Bank to collect a debieof a {$100.00} for a return check. I contacted the bank on XX/XX/2018 asking them to give me some details about the check since I know that I have not authorized any check to any individual or Business. The bank refused to give me any details. 
I don't understand why the bank collecting a debit of so called Return Check on some else behalf? 
I need to know who authorized that check.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
A few months ago I found out that there had been three hard inquiries added to my credit file. I didn't recognize the companies nor had I authorized them to run my credit. I mailed a letter to Transunion over 30 days ago and have not heard back from them. These are the three companies involved that Transunion shows have reported hard inquires : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, SD XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX ( 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 with explanation