vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-11-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: LOBEL FINANCIAL CORPORATION
State: NV

Complaint narrative:
XX/XX/XXXX i got a car loan through Lobel Financial in XXXX XXXX California. In order for me to drive off the car lot, I had to obtain and show proof of full coverage auto insurance which we maintained while having the car. We moved to XXXX XXXX NV in XX/XX/XXXX. In XX/XX/XXXX they repossessed my car. They told me that I owed {$240.00} for extra fees for not maintaining insurance. We had brought our account current and were only missing the $ XXXX that I refused to pay because we in fact had full coverage the entire time. They repossessed the car unfairly. When I called them the same day it was repossessed I was told that they had to re-evaluate my account and let me know how much to pay to get the car. They did not reach out to me for 3 weeks and said that i needed to pay {$1100.00} + the repo fees and the storage fees. I could not afford that. They continue to increase the amount owed by at least {$300.00} every month on my credit. My car should have NEVER been repossessed. PLEASE HELP, I am working on my credit and trying to just have it removed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-20 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CITIBANK, N.A.
State: OR

Complaint narrative:
There is a credit card reported on my credit under the name of XXXX. I submitted a dispute to the credit bureau about this card and XXXX 's verified the account. I sent a letter to XXXX XXXX on XX/XX/18 requesting document on this debt. They sent me a fraud form to fill out and send it back to them. I sent it on XX/XX/2018. It's been more than 30 days and I have not heard back from them. However the account is still on my credit report.

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 2018-11-20 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
EQUIFAX FAILED TO REMOVE XXXX XXXX , XXXX ( XXXX XXXX OF BETTER OR SCREENING REPORTS. ( SEE ATTACHED )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
There were three Unauthorized transaction performed by JP Morgan Chase on my account on XX/XX/18, XX/XX/18 and XX/XX/18. The money were sent to XXXX XXXX without my permission and knowledge, Bank owes me my {$24000.00} I reviewed page 21 of Deposit Account Agreement, under section E, titled In case of Errors or Questions about YOUR Electronic Fund Transfers, it does not apply to this transactions because they were not MINE. If it was mine it would apply to my case, but transactions were not mine, I was not aware or authorize these transaction in any way shape or form. Account was mine, money were mine but actions were by JP Morgan Chase. 
This section applies to the case if I sent {$8000.00} instead of {$80.00} or changed my mind. This is not a case, I did not send my money to XXXX XXXX, the money were sent without my permission or knowledge. 
Claim handler XXXX about whom I complain. I is very unprofessional in handling my claim, first of all he has no idea how alerts work, second stubbornly treats transactions my account as they were MY transactions, while those transactions are all done UNAUTHORIZED without my knowledge, but on my account, thirdly he is never at his desk or never pick up his phone. Left him a message for 12th time. How can I defeat this tremendous bureaucracy and get MY money stolen from my account???

Also I am in possession of two checks {$6900.00} and {$8000.00}, they are issued in the name of closed and nonexistent account, my instructions were to deposit my money to my other related business account. The checks are good only for next 10 month, I am retired and living in XXXX, have no plans to visit US in the next 10 months, so money supposed to be deposited according with my instructions to my other business account XXXX XXXX XXXX. {$6900.00}, {$8000.00} and {$24000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL

Complaint narrative:
I suffered damage to my home during Hurricane Michael and received a check from my insurance company for XXXX dollars. I notified Fifth Third Bank that I wanted to use the funds to pay off my mortgage, I received a letter from them date XX/XX/XXXX acknowledging my request for payoff and instructions on how to indorse check and where to mail. I also received a payoff that was good till XX/XX/XXXX. I sent them the check endorsed by my wife and I with the account number notated on from and the request to pay off my mortgage, I have the receipt from the postal service where I mailed the check and I am showing on my account where they have cashed the check and listed it as an unapplied credit. I have called several time to get this resolved and was assured that my account would be paid off as of the XX/XX/XXXX. I received a letter dated XX/XX/XXXX advising me that all late fees and negative impacts on my credit report would be waived or retracted and that they hade posted my payment as instructed. I call this afternoon and was being transferred and was put on hold for over thirty minutes and I hung up. To me it would have been as simple as them endorsing the check taking my balance owed and mailing the rest back to me. I still don't have my money and now they say I am late on my payment. I am a XXXX XXXX XXXX XXXX XXXX veteran and this is causing undue stress that I don't need. Can you help me?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: IQOR US INC
State: IL

Complaint narrative:
Previously I had rented a small storage unit. The company XXXX XXXX XXXX has been offering a new customer offer for {$1.00} paid for the first month. A week prior to the month ending I received a {$70.00} bill from the company, the manager of the company said that I needed to also pay for the following month, with reluctance I paid the amount. Then closed out the unit and got my remaining things a few weeks latter. Now I am receiving phone calls from Allied Interstate LLC, claiming that I still owe money for the unit. The collection company has called me non stop, and has been using malicious practices to try and collect the debt. The number for Allied Interstare XXXX. The reason I am reporting this is because I believe it is a scam, again all monies were paid for the storage, and considering that the unit was closed out a month and half ago, it seems very suspicious for this company to be calling. Please let me know if you have any questions- Thank you XXXX 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
Consumer complaint received 2018-11-20 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: Asset Recovery Solutions, LLC
State: OH

Complaint narrative:
Asset Recovery Solutions XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX I have received dozens of calls to my cell phone from Asset Recovery Solutions. They are trying to contact someone named " XXXX XXXX. '' I'm not sure who this person is, or if this is the correct name for the person, but it is not me. I have spoken with an employee of this company in the past explaining that the person they are trying to contact is not me. They have the wrong phone number for the person that owes the debt and to take my number off their list. They have not honored my request and continue to call my phone. 

What has prompted me to file a complaint is the call I received from Asset Recovery Solutions on XX/XX/18. Once again I explained that I am not the person they are trying to find, that I have requested for my number to be removed from their list in the past, and they claimed I never did so, and if I did, that maybe an employee had a " mishap '' in properly removing my #. 

I've received calls from XXXX on XX/XX/18, XX/XX/18, XXXX on XX/XX/18 XXXX on XX/XX/18 XXXX on XX/XX/18 XXXX on XX/XX/18 XXXX on XX/XX/18 XXXX on XX/XX/18 XXXX on XX/XX/18 XXXX on XX/XX/18 XXXX on XX/XX/18 XXXX on XX/XX/18 XXXX on XX/XX/18 XXXX on XX/XX/18 x XXXX XXXX on XX/XX/18 XXXX on XX/XX/18 XXXX on XX/XX/18 XXXX on XX/XX/18 XXXX on XX/XX/18 XXXX on XX/XX/18 XXXX on XX/XX/18 XXXX on XX/XX/18 XXXX on XX/XX/18 XXXX on XX/XX/18 XXXX on XX/XX/18 XXXX on XX/XX/18 XXXX on XX/XX/18 XXXX on XX/XX/18 XXXX on XX/XX/18 XXXX on XX/XX/18 XXXX on XX/XX/18 XXXX on XX/XX/18 XXXX on XX/XX/18 XXXX on XX/XX/18 XXXX on XX/XX/18 XXXX on XX/XX/18 I can not verify if every single one of these calls is from Asset Recovery Solutions. This is also not a complete list of calls from this company. Some calls I did not answer. Some calls I answered but the automated system didn't register that I had picked up. Some calls I answered and the person asked to speak to " XXXX XXXX '' ( sp ) and I explained it wasn't me and they would just hang up. 

I believe the majority of these calls were from Asset Recovery Solutions, as I have had this same # for over 10 years and have never had any unwanted calls until Asset Recovery Solutions started calling. 

I've requested Asset Recovery Solutions to provide a call log of all calls and attempts made to my phone number and they have denied my request saying that they do not have to do that. 

I have now sent them a cease and desist letter through certified mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-20 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: CARRINGTON MORTGAGE SERVICES, LLC
State: FL

Complaint narrative:
My loan account service was transferred from XXXX XXXX XXXX to Carrington Mortgage. They are showing there is some late fees that were transferred. I disputed the accuracy but the company refuses to send information to prove the accuracy of fees.

Carrington also is reporting the fees as if they are a late payment. The account is current but they are unwilling to change the way it is reported. I have tried to get them to correct the way they are reporting but they say it is all accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: ID Analytics, Inc.
State: TX

Complaint narrative:
Received communication from XXXX XXXX XXXX stating that my credit score received from XXXX XXXX is low due to " Distance between address and area code of phone number '' " Not enough debt experience '' This is clearly bogus information as the area code for this address is provided by XXXX XXXX XXXX and I am XXXX years old and just purchased a new house. I have tons of credit. 

They say that due to this credit score I may be required to give a nonrefundable credit fee to order the service ( XXXX XXXX ) ..owned by XXXX & XXXX XXXX 
Did I mention that I have had mobile service from XXXX XXXX XXXX for no less than 10 years ( the same account ) This is not right.

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 2018-11-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: CITIZENS FINANCIAL GROUP, INC.
State: KY

Complaint narrative:
Screen capture on XX/XX/2018, account statement on my loan reads Past Due : {$0.00}. Regardless, Citizens Bank claims I didnt make a XX/XX/XXXX payment. This is intentionally deceptive or otherwise misleading. 
After being notified in early XXXX that I had two additional missed monthly payments, a representative and I made arrangements for a {$370.00} payment to avoid repossession on XX/XX/2018. 
Citizens Bank repossession department maintains different business hours from the bank itself, and online payments were blocked for my account, so repayment was made unreasonably difficult. A repossession order was issued, the car was repossessed at around XXXX on Sunday, XX/XX/XXXX, and now the bank has changed the amount required to release the vehicle to {$1100.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-20 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: CURO Intermediate Holdings
State: WA

Complaint narrative:
On XX/XX/XXXX I applied for a payday loan online with speedycash.com and my request was immediately denied, although I work for XXXX XXXX since XXXX, XXXX, have direct deposit and would be able to repay the loan. I simply accepted their decision and today ( XXXX ) I contacted their 800 number at XXXX to request that my personal information such as driver 's license number, social security, banking and debit card, as well as my address to be permanently removed from their site and was advised that none of that information would be shared with third party companies, so they would not be able to delete it. I asked to speak with a supervisor about the deletion of my personal information and was disconnected. I want to report that speedycash.com is refusing to removed customer 's personal information even when those customers do not have a loan with them, so my information is openly available for identity theft and there is nothing I am being able to do to remove it from their site.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: REGIONS FINANCIAL CORPORATION
State: AL

Complaint narrative:
On XX/XX/XXXX I applied for an online loan with XXXX XXXX. The same day I was told I was approved and that my funds would be deposited into my checking account. Around 2 days later I was able to see my deposit but for some reason I was unable to have access to my funds. Since it was the weekend and Monday was a holiday I wasnt able to speak with someone at the bank until Tuesday. In between that time I was in constant communication with who I thought was an employee at XXXX XXXX. The woman from XXXX assured me that the reason I couldnt touch the funds was due to the bank putting a hold on it. By the time Tuesday came around I was overdrawn about {$1900.00}, I immediately contacted Regions ( XXXX, AL ) as well as their fraud department. They were supposed to put a freeze on my account and any other payments trying to be processed and told me that I was in fact scammed. I called my contact at XXXX and the number was disconnected. I go to my bank Wednesday because not only did I need to speak with someone regarding my account but they never put a freeze on my account and the scammers were able to withdraw another large amount of money on Wednesday. My total amount that I was scammed for was {$3900.00}. Not only did I not have those funds to begin with but the bank also told me that there was nothing they could do because I willing gave them my information even though it was a scam. I am on fixed income, Ive had to close my account and now Regions bank is telling me that they will keep my fixed income check that was supposed to be deposited into my account to make up for what the scammers got. I am outraged and in disbelief that Regions has not only kicked me while I was down but added insult to injury. I have been a member of Regions bank for over a decade and would have never imagined such treatment since I have always thought highly of this institution. I have no other means of income and they actually expect me to be without income for a month. I dont believe I should be held responsible for this I wasnt aware that I was being mislead. I have contacted an attorney regarding this matter and will be filing a police report as well.

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 2018-11-20 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Kriya Capital, LLC
State: TX

Complaint narrative:
This collection company contacted and discussed a debt with a 3rd party.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-20 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
On XX/XX/XXXX I was notified that effective XX/XX/XXXX the servicing rights to my mortgage would be transferred to XXXX XXXX. Upon receiving the letter I called Chase Bank ( XXXX ) and requested my mortgage document so I could see exactly what disclosures I signed In the loan documents I was provided on XX/XX/XXXX via email from Chase, it did not include any authorization for the bank to sell the servicing rights of the mortgage. I will state that it appears the documents I was provided is not all inclusive of what I actually signed I am requesting a copy of my full mortgage file with any documents that I signed during the closing process. 

Regardless of whether I signed a disclosure outlining that Chase Bank may sell the servicing rights, my primary concern is with the fact that the sale of the rights discontinues my ability to participate in the 1 % Mortgage Cash Back program. Given the remaining term on my mortgage, this is around a {$3000.00} loss to me over the life of the loan. At the time, this was a significant selling point when comparing mortgage products from different financial institutions, as a result of this benefit I opted to obtain a mortgage with Chase Bank. 

It appears this promotion was deceptive and misleading as it was never disclosed nor discussed during the loan process that since Chase Bank has the ability to sell your mortgage at any time, that the promotion may be only available to the customer for a limited period of time. In addition, itd be interesting to know how many loans that operate under this promotion have been sold since its been discontinued as this could have been as strategic yet deceptive and potentially unlawful practice decision made by senior management in the bank to drive loan growth. For example, any bank could offer a benefit such as this which would drive additional loan growth but then having the ability to sell those loans and eliminate any further liability from the promotion. 

Due to rising rates and the cost of refinancing, it would be extremely costly to take my business elsewhere so as a result of this deceptive promotion I am now at a financial disadvantage.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: CA

Complaint narrative:
I have several student loans from undergraduate and postgraduate programs. I wanted to go into the program for civil service repayment for forgiveness after 10 years of payments, because I am an XXXX   XXXX  XXXX. I called XXXX three years ago and was told that all of my loans had to be consolidated in order to go into the program. Though they had different interest rates, some were very low. So I went ahead and consolidated my loans. Then I applied for the program and was told that all of my previous payments did not count because I consolidate my loans. So not only do I have to pay more because of the higher interest rates, none of my payments counted for years. Also, they kept changing things so that none of my payments are in the right place to qualify. I feel like I am being ran around to just make payments for ever!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-20 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to pay a bill
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX I am having banking institution issues XXXX XXXX XXXX XXXX - Banking Institution Issues - On XX/XX/XXXX, they said that I reached my spending limit and didn't warn me. Money unable to be spent or moved or touched in my account until the beginning of next month. On XX/XX/XXXX, I explained to them that I needed to pay bills, rent and have a XXXX at the end of the month, yet they are saying they can't help. This bank is not supervised by the FDIC and I do not trust them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Nationwide Financial Group
State: MA

Complaint narrative:
XXXX a magazine company is stating I owe XXXX dollars and I do not. They have contacted me on my cell phone very rude and threatening and called me at work today XX/XX/2018 a man this time very demeaning and belittling and threatening. They also called my XXXX XXXX XXXX mother today XX/XX/2018 who just got out of the hospital said they were going to freeze her XXXX and they had a warrant for my arrest. My mother was beyond upset and can not afford to get upset in her state of health. They said they would call my work and get me fired. The scared me and intimidated me and my elderly mother! The first woman that called was XXXX at XXXX Ext XXXX. The man that called today I didn't remember his name asked for him to repeat it and he would not and he would not give his phone number. He said they were freezing all my bank accounts pay check etc all income. This is so wrong and abusive especially and elderly XXXX woman fresh out of the hospital. Please help me make this stop. I bought nothing from them. There address XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX

Company response to consumer: Untimely response