vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-04-08 00:00:00
Product: Credit card — 
Issue: Late fee — 
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I recently acquired a credit card from a local furniture store that was serviced by Synchrony Financial. Synchrony Financial has since conducted questionable business practices that has unlawfully imposed late fees on my credit card account, denied that I ever had auto-pay set-up ( which caused the late fees to be charged to my account ), fees are still on my account even after calling and asking for the fees to be removed, the phone representative managers assured me that the fees will be removed but say it will be impossible to provide me physical proof ( paper statement ) before my next bill is due ; which makes me thinking there trying to get me to wait until the next statement to charge me double for the fee that they never removed. Additionally, I feel that I am being treated differently because of my last name ; which is of XXXX heritage.

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 monetary relief
Consumer complaint received 2017-03-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: AES/PHEAA
State: GA

Complaint narrative:
This complaint includes both private and federal student loans. I went into the military in XX/XX/XXXX and received a XXXX student loan repayment incentive ( XXXX actual paid, XXXX went to taxes ). AES owned all my loans at the time, ( XXXX total loans, XXXX private and XXXX federal ). The military made the first payment of XXXX around or about XX/XX/XXXX. After receiving the first payment AES applied the money to each loan instead of paying off my private ones first, as I requested. After the first payment of XXXX AES sold my federal loans to XXXX, but they sold them for the amount of the loans before the XXXX payment was made from the military. Another payment of XXXX was made XX/XX/XXXX but the amount of my loans has not decreased much ; I initially owed XXXX, after the XXXX was paid they are still saying I owe over XXXX. This makes no sense and I have tried to speak with both AES and XXXX many times. They never give me a straight answer. They 've told me that the majority of the money paid by the military was paid to the interest on my student loans, which they are not suppose to do, they are suppose to pay it toward the principle. Another issue is that I had to claim the XXXX from the military as income, of which XXXX was taken for taxes. I am never on the phone less than an hour when I call them and I have still never had resolve and I have been dealing with them for years. One of the main reasons I went into the military was to get the majority of my student loans paid off. I am now a XXXX veteran and I am beyond fustrated with trying to get my student loans figured out.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-03-30 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: SLM CORPORATION
State: MO

Complaint narrative:
Sallie Mae will not release any of my loan information to me, I have callled numerous times requesting to speak with someone and to have my loan information sent to me. No one from there office is compliant I keep getting connected to a XXXX and XXXX who states it is n't his job to resend my information. I have also told and sent them information about my bankruptcy And still nothing is being done.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-27 00:00:00
Product: Debt collection — Federal student loan
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Account Control Technology, Inc.
State: NC

Complaint narrative:
I 'm XXXX year old XXXX female with the only source of income is my dead ex-husband social security check. I did n't received Any information related to the Account Control Technology Inc. 
was in Florida for 3 month. I has a death in the family. When I received the information the {$300.00} was already being taking from my social security. I made a call to US Treasury but I could not change the amount. I can pay something or work @ a federal or government for free to help pay off this dept. as an off set. ACT Were taking {$300.00} of my money out of the social security check. 
The Principal balance {$13000.00} {$2600.00} is interest. To pay {$3900.00} for a collection agent is horrible. It is almost like the Gov, is being a crook. I ca n't afford this {$300.00} payment. Nonetheless. How can US Treasury allow a collection agent to take From my social Security. I will have drop my XXXX which I pay {$110.00} to afford Rent, Utilities, Food, and Transportation. 
XXXX

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 2016-04-01 00:00:00
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: Solidus Group LLC.
State: TX

Complaint narrative:
1. XXXX XXXX working on behalf of XXXX XXXX XXXX XXXX I received a voicemail that stated that this company was looking for me. A complaint against me has been filed and paperwork is being sent to my local county clerk 's office. I called the number back to see what this was about and was informed that I took out a Payday loan in 2011 with XXXX and because I used a check- Charges were being filed against me for theft by check and deception of bank. I informed that I had no idea what they were talking about and that I do not remember taking out an online payday loan. They stated that they had all of my paper- they read off a lot of my personal information to me and said that they have all they need to get me arrested. I told them I have no idea what they are referring to and that I would need to see copies of the documents that they had on me before proceeding any further because I did not take out any loans. I also asked if I could have their physical address and the lender they are working with to verify the information they are saying. The lady called me a fraud at least 5x 's and said that I am trying to steal money and I would be going to jail soon for fraud. I told her - I had no idea what they were talking about and that until I get paperwork - There is nothing I can do. She said that they will file the paperwork by the end of the week and I will be picked up on my job. She hung up on me - I called back and was hung up on by multiple people. They have called my job and family members and said that I am in legal trouble.

Company response to consumer: Untimely response
Consumer complaint received 2015-12-14 00:00:00
Product: Payday loan — 
Issue: Received a loan I didn't apply for — 
Company: Kingston Financial, LLC
State: OK

Complaint narrative:
I was contacted by a debt collector for an online payday loan they claim was made. Somehow, they had all my personal information, and demanded I pay them XXXX dollars immediately. The account they claim was put down as the pay-out to re-receive their funds was closed three-five years before they claim this payday loan was made. They also claim it was by an address that I had n't lived at for several years.

Company response to consumer: Untimely response
Consumer complaint received 2017-04-03 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
One three separate occasions since XXXX XX/XX/XXXX I have had to contact Ocwen Loan Servicing so they could update my Date of Last Activity from XXXX XX/XX/XXXX ( incorrect date they keep reporting ) to XXXX XX/XX/XXXX ( correct date ). On all three occasions they have made the change, it has reflected properly on my XXXX ( no other has the account on their files ) to than five days later go back to showing the wrong date. we are now on the fourth time this same thing has occurred. Ocwen needs to be punished for doing this to a consumer. I have been denied credit, been unable to buy a car and most important refinance my house all because they are incompetent. I have been trying for 9 months to fix.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-08 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: Ocwen Financial Corporation
State: MN

Complaint narrative:
In XX/XX/XXXX I refinanced my home and paid off the primary and secondary mortgage with GMAC. When I went to apply for a line of credit at the beginning of XX/XX/XXXX the title report showed the second mortgage was not paid off. I have worked with the original title company XXXX XXXX, Ocwen, and sent the information to Office of the Consumer Ombudsman and still have not received a resolution. As you can see from the attached documents the loan was paid off and GMAC should have sent a " Satisfaction of Release '' like they did on the primary loan. I would truly appreciate any assistance you can provide.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-03 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
On XXXX/XXXX/2017 I was approved by Comenity Capitol Bank for an initial credit line of {$1700.00}. with PayPal Credit which included no interest or payments for six months. I have made XXXX transaction on this account, but am know being block by PayPal security. I have contacted them more than four times which they have continued to be unresponsive to my problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-06 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: ENCORE CAPITAL GROUP INC.
State: MN

Complaint narrative:
I made a settlement agreement with Midland Funding. I made all payments per the settlement agreement except for about the last seven when Midland stopped depositing my payments. 

Per the letter I have attached, even though Midland Funding stated that they would deposit my post-dated check on XX/XX/2016, they did not. Furthermore, they did not return my calls when I specifically left over a dozen messages for them to call me so that I could pay them. Even after they sent me a Notice of Default, also attached, and I specifically called the number they stated and left a message, I did not receive a return call. The only time I was contacted was in later months when their new attorneys, XXXX, called, telling me that I now had to pay the full balance rather than the settlement balance. They told me that they would not recognize the settlement I had previously made with the old attorneys and that I would have to pay over three times the settlement amount. 

XXXX then went to court and got a judgment against me. I was not given the opportunity to go to court to defend myself. I only received the " Notice of Entry and Docketing of Judgment '' ( please also see attached ). 

I do not believe this is right or legal. I do not believe that a company can agree to a settlement, stop taking payments, and then go back to the court to get the full amount. I believe they have to abide by the settlement agreement they made. 

P.S. I had worked well with the old attorneys and had less than seven payments left before everything would have been paid off. Additionally, the old attorneys had said that they would take offers to further reduce my total amount due if I were willing to make one last larger payment. I was all set to make an offer when this happened.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-09 00:00:00
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
bank has committee consumer fraud as I have XXXX insurance on the acct XXXX bank for fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-02 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: LANIER COLLECTIONS AGENCY AND SERVICES INC
State: GA

Complaint narrative:
I am filing a complaint against Lanier Collection agency wrote them letter requesting information. After viewing a copy of my credit report, I noticed a collection account placed on my credit report from you in from XX/XX/XXXX-XX/XX/XXXX I am requesting that you allow me to validate the alleged debt. I am unaware of any outstanding medical bills that I possess, and I am seeking the name and hospital/medical provider to which I owe the debt and a detailed breakdown of the fees that I owe. Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that the HIPAA does allows the release of limited information about me but anything more is to only be revealed with the patient 's authorization. Therefore, my request is twofold -- validation of debt and HIPAA authorization. Please provide breakdown of fees including any collection costs and medical charges. Provide a copy of my signature with the provider of service to release my medical information to you. Cease any credit bureau reporting until the debt has been validated by me. They sent me back XXXX pages with total charge and a description the procedure I was supposedly had gotten. They refused to send me anything with my signature provide them service to release any of medical information which is a violation of HIPPA. I never agreed to pay them anything nor do I know who they are. I am unaware of these bills ; these are not my accounts. Then I tried to call to informed them they may have to wrong person. They were extremely rude.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-03 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
Auto finance company repossessed vehicle. Vehicle was not damaged before repossession. Vehicle had significant damage after repossession. Auto finance company submitted a claim on my insurance for damage caused by towing company. I have pictures from a few days before the repossession. Towing company also stole cash from Me. Bank filed false insurance claim and I believe that should be illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-03 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AL

Complaint narrative:
I, XXXX XXXX, had an active account with USAA, which I had for several years with no problems. Approximately around XX/XX/XXXX-XX/XX/2015, I alerted USAA of fraudulent activity on my account. This was the result of me losing my bank card and it was being used in another state. I am a XXXX veteran with memory loss which I have to write pin numbers on the back of my cards to avoid forgetting. I personally advised USAA that monies was taken out and deposited into my account fraudulently. At this time XXXX of my children 's accounts were linked to mine. All XXXX accounts were frozen which caused a financial hardship on my household. After an investigation was completed, my children 's accounts were released but as for mine, I was advised that it was thought that I had knowledge of the fraudulent activities and was no longer allowed to have an account with USAA again. I do not agree with this decision considering I am the one that advised of the activities. I live in Alabama and the activities occurred in XXXX ( I believe ), how in XXXX world could I, would I partake in such a crime. I am a Veteran with morals and character of an upstanding citizen of the US. I respect whatever decision was made although I do n't not agree. I opened an account with XXXX XXXX XXXX XXXX which I ca n't utilize due to to a restriction from USAA. Please allow me access to a new account. thank you for your time and consideration

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-06 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: LD Holdings Group, LLC
State: FL

Complaint narrative:
I was trying to refinance my mortgage and I was convinced by the agent from Loan depot that my loan would be approved and he promised my every thing would be Ok. after checking my credit and debt to income ratio, he said that it was a done deal. 
I again asked since I was concerned that what would happened if the appraisal did not come as he confirmed thru XXXX and he said that they have a lot of other programs that I can qualify. he also said that I can pay for an appraisal and if it comes low that my payment for the appraisal would be refunded. 
Everything was a lie. when the appraisal came at XXXX not the expected XXXX he simply said that nothing could be done. he never contacted me again and I wanted my appraisal fee refunded when he promised that it was going to be refunded. after I asked to speak to a manager he called me just to let me know that the only way I could get my refund is if I had refinance my mortgage with loan depot which he forgot to mention when he just said that my appraisal fee would be refunded. be careful with them since they do not tell you the whole truth and they will lie at everything. I am still waiting for one of their manager to contact me after 7 months still nothing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-31 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Threatened to take legal action
Company: Bronstein & Weiss Arbitration
State: MN

Complaint narrative:
I received a phone call on my work line. I was away at my desk at the time and they left a voice message. They said they are from the county process serving division, that I am named defendant and want to serve me court documents at my work or home between XXXX. They also requested that I have photo ID available.

Company response to consumer: Untimely response
Consumer complaint received 2015-04-28 00:00:00
Product: Debt collection — Auto
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: Rossman & Co & PCB
State: OH

Complaint narrative:
The debt that rossman and co is reporting to the XXXX major credit bureaus has reached its age of ineligability to be reported to them. The original creditor has since removed it from the reports but rossman and co claims it is eligible because it was just reported to them recently. I explained to the customer service rep that the seven year reporting time could not be extended beyond the seven years from the original default date regardless of when rossman received it information from the original creditor. I told them numerous times over the last few weeks that I wish to file a direct dispute to have the debt report removed and they referred me to their website which does not provide a way to directly dispute anything. I have sent numerous emails but no one will respond from XXXX. Please help!!! XXXX XXXX XXXX -- -original creditor is XXXX. My contact info is : XXXX or XXXXXXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-10 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Servis One, Inc., Titusville, PA Branch
State: GA

Complaint narrative:
My Lender foreclosed on my home after I put it in bankruptcy. They told me it was being transferred.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-23 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: Reliant Financial Corporation
State: CA

Complaint narrative:
I took out a title loan on one of my vehicles. I was in an urgent situation and needed the money right away. I borrowed money on the title of my XXXX for around {$3600.00} in XX/XX/2015. 
Due to a domestic dispute, the vehicle was sold to a 3rd party right out from under me. Because the vehicle had a tracking device on it, I was able to get the car back. I was charged almost {$780.00} in repossession fees to recover the vehicle, and was told by XXXX that they would not tell me where to recover the vehicle until I paid it. I paid it immediately and was told where to go to recover the vehicle. I was also required to pay an additional {$140.00} to an auto storage company before they physically release the vehicle back to me. After I recovered the vehicle, XXXX put a repossession on my credit report and when I asked them to remove it, they said they would but to date, the repo remains on my credit report. 
I noticed that the balance on the loan was not going down so I requested a loan payment history. I noticed that there were additional fees added to my loan balance, including doubled repossession fees that were added to my bill. My wife went in to make a payment and inquire about the additional fees, noticing that the balance was going up and was the same after almost 15 months. My wife spoke to a man named XXXX, who assured her he would review the payment ledger and call her back the following week. That call never came. Altogether, I believe there are additional fees of approximately {$1100.00} that are being extorted from me. The interest rate was 96 % at the beginning of the loan and was reduced to 60 %. I have attached a copy of my latest monthly statement which does not reflect the interest rate on the statement. I am trying to pay the loan off by adding additional money to the regular payment, but I believe the balance of the account should be no more than {$2300.00}. I would like the CFPB to look in to these unlawful lending practices and help me get away from this dis-honest loan sharking company. I went into this loan with my eyes open and I take responsibility for that, but I draw the line at extortion. I do not owe these additional fees and if I am forced to pay them, I want it on the record. I have attached the loan payment history for your review and have marked with highlight the additional fees that I believe are illegal. 

I would like this company to be advised that they are not allowed to extort unlawful fees and for them to be required to reduce the loan balance by the amount of the additional fees they padded on to my account. Here is a link to show how many unhappy customers they have and their unethical consumer practices. 
XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with monetary relief