vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-12-24 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: Comerica
State: CA

Complaint narrative:
On XXXX/XXXX/2015, I was charged an overdraft fee while my checking account was positive - {$35.00} EOD on XXXX/XXXX/2015, according to my transaction register on the bank 's website. According to the overdraft notice, the fee was cause by insufficient funds for transactions on XXXX/XXXX/2015. 
The overdraft notice which was provided included several transactions which did not occur on XX/XX/XXXX, per my account 's transaction register. In fact, XXXX of the transactions occurred after my account had been replenished with additional funds on XXXX/XXXX/2015, bringing me above the previously indicated {$35.00}. 
I went to the branch to attempt to resolve this banking error and spoke with the assistant banking center manager on-site, XXXX XXXX. He insisted that there was no bank error, but said that he could not explain why my account was charged an overdraft while my balance was positive. 
It should be noted that this overdraft fee was charged 3 days after I moved money into a new bank account with another institution. I do not know if Comerica is retaliating against me for deciding to bank elsewhere, but at this point, I am only waiting for final transactions to post before closing my account with Comerica. 

Thank you for your consideration.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-26 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: IQOR US INC
State: PA

Complaint narrative:
Over 10 yrs ago I originally received a letter stating that I owed a store money via a credit card. I explained to them it was not my debt and requested a signature confirmation. This debt was claimed to have occured in another state where I had never been. They told me no signature was available which I then rewrote to them and said I was disputing the claim. After that, over the next few yrs, I would receive letters from various new debt companies stating I still owed. I would send requests and none of them ever sent me verification. The occurancy of receiving letters did diminish over the years to maybe once a year. Now again, I have received another one, I DO NOT OWE THIS DEBT!

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 2016-10-01 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Shopping for a loan or lease — 
Company: AMERICAN HONDA FINANCE CORP
State: VA

Complaint narrative:
My loan was with Honda Financial Services. My car was totaled after only 2 months. It was a new car with about XXXX miles. XXXX paid off most of the loan. I had Gap insurance as well. Honda dealership processed my paperwork for the Gap Loan and faxed all documents to the Gap Loan insurance company. Honda kept harassing me for the remainder of the payment after they received most of the money from XXXX and all warranties were repaid. Gap was the only remaining money owed to Honda. I had a legal contract with the Gap company. The Gap company was the responsible party for paying Honda, not me. The Gap company did not pay for months, stalling the process. Then, XXXX XXXX XXXX only paid Honda a portion of the remaining amount owed. I was harassed by Honda to pay the remainder of the Gap payment for months. I told Honda many times that I was not the responsible party any longer and that I had a legal contract with the Gap Company. Honda financial Services threatened my credit.Now, the remaining funds owed to Honda are on my credit and and I have a low credit score and can not finance a new car. I have bought XXXX Hondas in the last six years and paid every month on time. My payment history is perfect. I believe this is a form of extortion when companies demand payment that a customer does not owe legally. The company can threaten your credit and then customers may pay bills that are nor legally theirs just to keep negative information off their credit reports. I have paid entities in the past when threatened. But this time, I will not pay Honda money that I do not owe them. I have a legal contract that states that I am covered by Gap Insurance. Credit bureaus should not accept inaccurate information. All negative information on credit reports should have to be authenticated. Credit Bureaus are also at fault for providing a medium that will ruin a consumer by any unethical company or entity that has the inclination to threaten consumers. Consumers have no where to turn to stop this illegal practice. The government should take action in this matter in order to protect consumers from the illegal practices that effects an individual 's credit for years. 

My identity has been stolen two times by XXXX different people. I have been through a nightmare with no help from the credit bureaus. I am in my XXXX nightmare now. I vowed to never use credit after my identity was stolen. I will not be a victim of the thieves and the credit bureaus. I have not had a credit card since the 1990 's. I pay cash for everything or I do n't buy it, except cars, unfortunately. I assume this is another medium disguised as a genuine place to voice complaints that go no where.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-17 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: AMERICAN HONDA FINANCE CORP
State: CA

Complaint narrative:
Upon maturity of the loan they wanted me to pay almost an extra {$1000.00} without being able to tell me what it was for. When I refused they charged off. I purchased a XXXX Honda Accord and financed it through Honda financial account XXXX. During the course of the loan I did a couple of extensions. This changed my maturity date from XXXX to XXXX XXXX. I was half a month behind on payments due to a divorce and custody battle but always paid it before the 30 days and let them know ahead of time. The loan since always paid before 30 days never went past due o my credit. I would each month make the payment and the late fee so each bill read like a double payment. To illustrate the last XXXX bills were as followed : XXXX {$920.00} ( double my payment with the late charge ), XXXX : {$920.00}, but my last bill in XXXX came for : {$1800.00}. I was expecting another {$920.00} which I would pay half off in XXXX and the other half in XXXX and the loan balance would come to zero. However, when I saw the {$1800.00} bill I immediately called. I spoke to several different employees of the company, mailed XXXX different letters and still to this date they have been unable to explain what the additional fees owed are. I even demanded they explain this debt as per my consumer rights under FDCPA. They told me if I did n't pay it, the account would be charged off, and that I plainly owed it. They declined to explain here the fees came from, they declined to provide me proof of them, and they stopped responding to all my letters. Furthermore, they never notified me in writing that my account would be charged off as required by law and they sent it to " charge off '' less than 60 days past the maturity date.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-01-22 00:00:00
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: STATE FARM BANK, FSB
State: CA

Complaint narrative:
I have a checking account with State Farm Bank that earns interest on the balance in my account. I pay checks with their online checking service. Some payees, like a utility company, are sent their checks electronically. Other payees get their checks by US mail. On the day that State Farm sends the check, either electronically or by mail, my account is debited. This procedure is unfair because the checks sent by mail may not be received by the payee for several days and the payee may not deposit the check in their account for credit for many more days. This means State Farm has used my money for a lengthy period of time between the debit to my account and the credit to the payees ' account and I have lost interest during that period.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-29 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: PREFERRED CREDIT INC
State: CA

Complaint narrative:
XX/XX/2013 I sign this contract and payments are {$90.00} per month and I have three years with this account and gave me an interest of 13.99 and this does not lower the total cost account I look at credit report and there are XXXX debts the same company called Credit preferrred, inc like me saver that is not the low debt I already talk to them and say that everything is fine but I see how much state or payments

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-17 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: STATE FARM BANK, FSB
State: DE

Complaint narrative:
this was a result of a fraud account thru state farm bank that i have disputed numerous times thru state farms ref account XXXX and they sold a fraud account to a collection agency who is now collecting on this fraud account

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-17 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: STATE FARM BANK, FSB
State: TX

Complaint narrative:
" State Farm Bank did not pay my local taxes in 2016 so I had to pay them. I contacted State Farm Bank and they said they would send me a check. This was in early XXXX. Since then, they have given me conflicting stories as to having sent the check or having not sent the check. Of course, you never speak to someone from State Farm Bank, you only get their call service. A supervisor today said the could not guarantee if I would ever get the money but if I did they would over-nite it to me. Not very reassuring.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-15 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: STATE FARM BANK, FSB
State: CA

Complaint narrative:
I was solicited by a state farm insurance agent to refinance my vehicle with state farm bank. The proceeds of the state farm loan were to pay off the prior loan. The prior loan was paid and the release from the prior lender was sent to State Farm for filing. State Farm did not file the release from the prior lender but instead held it and still holds it. I wanted to sell me car and pay off my state farm loan. The problem is that the buyer said I had to get the lien from the prior lender removed from the title. When I asked State Farm to submit the release to the XXXX, State Farm said it would not unless I paid off the loan to it. It told me to tell the buyer XXXX to accept its guarantee that it would release the prior lien when they were paid off or I should find someone else to buy the car. I went to XXXX to avoid problems with receiving payment. And, I think I should be allowed to sell my car to who I want to sell it. If State Farm had released the lien of the prior lender when it received it as it should have then I could go to XXXX, tell XXXX that I owe State Farm and they could pay State Farm and I could stop paying interest and insurance ( also through state farm ) on a car that I want to sell. But as it stands now, I have a title that shows a lien holder who has been paid off and can not sell the car. When trying to get the problem resolved I have talked to a number of people at State Farm who have given conflicting answers and told they would escalate the issue but nothing happens.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-12-03 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: MO

Complaint narrative:
I was sold a predatory loan ( 7.67 % compounded DAILY ) for {$100000.00}. I purchased the loan as Second Mortgage in 2006. It originated with Wachovia and was purchased by Wells Fargo. I have tried to refinance on multiple occasions but neither the XXXX Mortgage Lender will assist nor will Wells Fargo restructure my loan so that it is a reasonable interest rate or compounded Annually. In spite of the fact that I have managed to pay on-time and am current, no lender will refi me ( after XXXX attempts with XXXX different companies ) I am told this is due to Debt/Income Ratios that are no longer flexible. My Loan/Value is excellent ( XXXX vs. XXXX ). I can easily handle my mortgage if can REFI, but am struggling now ( selling assets and savings ) to make ends meet. This type of loan is unheard-of in the current market and may even be illegal under predatory lending laws. HOW CAN I REFINANCE with current laws as they are? I refuse to skip payments to become eligible for default status. But if I continue to operate under the terms of this loan, I will be forced to fail. I believe there are hundreds of thousands like me and the current laws are crippling my ability to pay at a reasonable terms and competetive rates. This is a travesty forced upon the American Public as a result, not of consumer behavior but the unbridled greed of large too-big-to-fail banking institutions. Where is the assistance for those like me. Wells Fargo is squelching my successful financial future without concern or remorse. I challenge them to give me assistance and they refuse. My hands are tied and failure is imminent. Being Self-Employed should be supported, and not punished. I am without recourse.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-13 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: STATE FARM BANK, FSB
State: KS

Complaint narrative:
State Farm Bank has decided on XXXX XXXX to block access to my data accessed through the bank 's website. I manage all of my finances using XXXX by XXXX. See below for the email. I spoke with XXXX XXXX XXXX, at State Farm Bank on Saturday, XXXX XXXX. He said that this was a bank-wide policy, and there were unable to reverse their decision to restore access. He informed met that this policy change is being done to protect my information. The use of my information and the trust that I place in XXXX in my business. The blocking of my access to my information I have been harmed. I will be closing these accounts if this access can not be restored. 

Here is the text from the email provided : You are receiving this email because you have been identified as a State Farm ( R ) customer who has a relationship with XXXX ( Finicity ) and XXXX XXXX XXXX XXXX ( XXXX ) provider ( s ) .1 State Farm works hard to stay up to date on the latest ways to keep your personal information secure. With that in mind, we 've decided to discontinue your XXXX provider 's access to your online account information as of XXXX XXXX, 2016. This means you will no longer be able to include any State Farm products within your XXXX provider 's website view.2 We apologize for any inconvenience this may cause in managing your financial accounts, but we believe it is the best way to ensure the details of your account with us are safe. Learn more about how State Farm keeps your personal information secure by visiting our privacy and security page. 


You will still be able to access your State Farm policies and accounts anytime by logging in online using the button below. You may also access your account information on the go with our Pocket Agent ( R ) app, which is available for Android and iOS devices.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-04 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Stanislaus Credit Control Service, Inc.
State: IL

Complaint narrative:
on XX/XX/XXXX, i opened a complaint Case number : XXXX in this i showed that stanislaus credit control had deleted and reinserted XXXX collections without sending the proper reinsertion notice within XXXX days ( which is required by law ). the response i recieved on Case number : XXXX was that they were going to look into this. It clearly has been more than XXXX days, and yet XXXX of the claims is still illegally on my credit reports for {$220.00}. stanislaus credit control has broken the law by deleting and reinserting these accounts mutliple times ( i have proof of this ) not sending a reinsertion letter. i recieved a copy of XXXX bills from this company that did not validate any debt as it was a copy of XXXX bills .... both without signatures and broke hippa as the line that shows that it was ok toreleased info to process the claim was blank. i will be seeking legal remedies if this is not resolved immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-03 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: WAKEFIELD & ASSOCIATES, INC.
State: CA

Complaint narrative:
Wakefield and Associates is reporting multiple collection accounts to my credit report, without notifying me with a notice in accordance with 15 United States Code section 1692g ( a ). 
I have contacted them with a letter to remove these accounts because of their failure to abide by the law and they have refused.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-22 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Specialized Loan Servicing Holdings LLC
State: VA

Complaint narrative:
Specialized Loan Servicing is reporting incorrectly to all three credit bureaus. They show that I am past {$490.00} and that the account was charged-off and is on foreclosure. This is hindering me from obtaining a refinance with my primary mortgage. I wrote them several months ago and they sent a letter apologizing for their error and also said corrections will be made. Nothing was ever corrected. When I call the company, they tell me they do n't see where they sent me a letter and I basically get the run around.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-26 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Specialized Loan Servicing Holdings LLC
State: FL

Complaint narrative:
SLS promised me a loan modification, but before receiving a permanent modification plan, I had to enter a trial period payment plan under the Home Affordable Modification Program, I was promised that if I made the trial payments on time, the foreclosure judgment on my house would be cancelled. After making my last trial payment, on time, I received a letter from the court stating that my house will be put on sale to the highest bidder on XX/XX/2016. ( letters attached ). 
Again SLS has lied to me and my family, just when we thought he had finally reached an end to this nightmare, it looks like to me, the nightmare have just begun. please help!

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 2015-05-25 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Specialized Loan Servicing Holdings LLC
State: UT

Complaint narrative:
We have a mortgage loan. We filed and were discharged from a bankruptcy case. Our payments were all made according to terms agreed upon by our current mortgage holder at the time. During the bankruptcy process our loan was transferred to another company SLS - Specialized Loan Servicing LLC - which is trying to charge us for pre-bankruptcy fees not included in claim filed. They are sending foreclosure notices and are not co-operating with us or the lawyer we have had to hire to protect our interests. We are filing a complaint with you as per our lawyers advise. Please help us - Thank You

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-02 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Specialized Loan Servicing Holdings LLC
State: CA

Complaint narrative:
I received a conventional XX/XX/XXXX ARM rate term refi XX/XX/XXXX from XXXX XXXX XXXX with no escrow for taxes and hazard insurance as I elected to pay them on my own and have no trouble doing so. I did however have to have PMI due to the appraised value being slightly lower than expect and the PMI payment was $ XXXX./mo. I had been paying XXXX principle and interest plus $ XXXX./mo for perhaps 8 months before the servicing was sold to Specialized Loan Servicing, ( SLS ). 
SLS, now stated that I am " short '' on my PMI escrow account due to there not being any reserves for PMI and are they adding the shortfall to my monthly payment. In fact they have suspended a normal regular payment and charged me a late fee besides before my calls fixed that. 

Where Im at now is, SLS states to me that they are allowed to charge me extra for a cushion on the PMI as they consider it an escrow account. I know this is n't right, but after many calls even to upper management, the issue is n't resolved. 
I would like to know what your take is on this. I thought before I notify CFPB ( never thought I would want to contact them on purpose ), I would see what you can advise me or if you know something I do n't on this. 
I have the statement and escrow shortage statement if you would like to see them. 
I also am concerned that even if SLS clears my issue, how many other consumers do n't realize whats going on and I would like that looked in to 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