vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-02-07 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
XX/XX/XXXX charged {$230.00} at Discount Tire who uses Synchrony Bank. Was a 6-mo no interest acct, made 5 payments of {$46.00} each from XX/XX/XXXX through XX/XX/XXXX for ttl of {$230.00}. Due date for each payment was XX/XX/XXXX of month, my bank statements show that each payment sent by my bank on XXXX of each mo except for one for XX/XX/XXXX sent on XX/XX/XXXX - these were auto-payments that I set up via my bank. On XX/XX/XXXX received email saying I owed {$29.00}, but did not see the message & saw next email message XX/XX/XXXX saying I owed {$31.00}. XX/XX/XXXX called Synchrony customer service & eventually spoke to an XXXX who said he was a supervisor. First said I had missed the XX/XX/XXXX payment - gave him the dates and amounts of payments telling him to multiply them and he agreed they totaled {$230.00}, then he said a payment was late - again went over the payment dates.Then told me some convoluted explanation that because the due date was the XXXX of each of the months and the payment that came in on XX/XX/XXXX, did n't get credited for XX/XX/XXXX Told him it was a completed scam that because they received 2 payments in XX/XX/XXXX - one on the XXXX and another one on the XX/XX/XXXX that the 2nd payment at end of XX/XX/XXXX but for XX/XX/XXXX did not get credited and I wanted this fixed immediately. After several long holds I was told that the " people he had to talk to '' had ok 'd taking the extra charges off my account, that he could not send me an email confirming this, but I would either get an automatic email or a paper statement showing a XXXX balance. I have today received an alert from XXXX telling me I have a delinquency on my credit report. XXXX uses XXXX and my credit report on XXXX website does show the account as delinquent - and in fact their entire record of my payments are incorrect. I filed an online investigation with XXXX and am faxing them my bank statements. I also wrote a letter to XXXX, CEO of Synchrony - but at the time I thought the issued had been resolved per XXXX. I have a feeling they use what I would call " fuzzy accounting '' - not crediting a payment because 2 payments arrived in the same month is ridiculous - I believe they are trying to get more money out of fully paid accounts - and their customer service people obviously lie about clearing up issues. I have an excellent credit rating & they have now defamed my financial history - I have not yet checked the other credit reporting agencies, but this is probably also on those records

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 2016-11-09 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: HYUNDAI CAPITAL AMERICA
State: FL

Complaint narrative:
On XXXX/XXXX/XXXX, my husband and I went to XXXX Hyundai located at XXXX XXXX XXXX XXXX in XXXX Florida for a service appointment for my husband 's XXXX XXXX. The appointment was at XXXX XXXX and as soon we arrived we were approach by the Financial Manager, XXXX XXXX. He told my husband that he can get a XXXX XXXX XXXX and that he will deal with the upside down. I told XXXX XXXX and my husband that the XXXX had only XXXX miles and that we should keep it. However, XXXX XXXX continue with his effort to make a sale. He asked me to cosign for my husband to upgrade his car and I replied that I was in the process of buying a home and I can not be a cosigner. By XXXX I told them that I had to leave and that I would like to get the XXXX back because I needed to go to work. I spoke with the General Manager, XXXX XXXX, about the car that we took for services and he directed me to the Service Manager. I was informed that they did not touch the car. I strongly feel the Financial Manager manipulated the entire situation and advised the service department not to touch our car as he was pushing for us to purchase a new vehicle instead. At this point my husband agreed to purchase the XXXX XXXX XXXX, but this would require me to cosign for him. I asked several times why my husband could n't be the sole purchaser for the XXXX XXXX when he was able to purchase the XXXX only in his name and was not given a clear explanation. They said it was required but would n't interfere with my home purchase plans as I would only be a cosigner and my husband 's name would be listed as the primary buyer. Under those terms, I finally agreed. Upon meeting with my mortgage broker the following week, I was informed that the loan showed up as my responsibility on my credit, greatly increasing my debt to income ratio and no longer qualifying me to purchase the home. I was in complete shock after hearing this news, I am listed as the primary buyer and not as a cosigner, contrary to what I agreed to at the dealership. I have discussed this situation with Hyundai Financing, with the Dealer directly, with the General Manager and I have intended to discuss the issues with XXXX at the Corporative office. No one has offered me a solution. I have been told that in the state of Florida the wife and husband are considered the same in a financial matter, but I find the dealings of this dealership to be extremely unfair, unethical, and irresponsible. I do n't believe we were treated fairly and strongly believe we were misled for their own benefit. I am asking that Hyundai Financing comply with the contract that I signed and list me strictly as a consigner releasing this debt from my credit or remove my name from the purchase entirely.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19 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: NY

Complaint narrative:
In XX/XX/2014 I made a {$10000.00} lump sum payment towards my student loans. When I made this payment, I indicated, online, that this would be applied to all loans. Instead, the payment was only applied to XXXX loan, and the rest went into delinquency. 

When I was contacted ( after accounts were put into default status ), I explained my situation and the representative reapplied my payment to cover all loans and bring my account up to date. 

When I saw these missed payments reflected on my credit score, I tried many times to get them removed. I still have these missed payments on my credit score, and it is a massive impact to my score and my life. 

In light of the new federal lawsuit against XXXX, in which XXXX of the allegations is XXXX misapplied payments and another is XXXX misreported missed payments to the credit beuraus, I believe my loan servicer, FedLoan Servicing, is guilty of the same thing with my account. 

I want the missed payments removed from my credit score. I also believe FedLoan Servicing cost me in terms of interest and fees by misapplying my {$10000.00} payment in XX/XX/2014 and was negligent in fixing the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-15 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
There is a judgment against me from XXXX XXXX. This credit card did not belong to me. I never filled out an application for this card. I never had a credit card from this company with my name on it. I have contacted the collection agency for this account 30 days ago and the collection agency states they have no response from XXXX XXXX. I contacted XXXX XXXX yesterday and they would give me absolutely no information and kept telling me to contact the collection agency again. When I was married my ex husband had a XXXX XXXX card but I was never even an authorized user. I am not sure how his debt got put in my name. I have also disputed this matter on Experian and they did not remove from credit report. I have disputed with XXXX as well but they have until XXXX/XXXX/16 to complete investigation. Please help!!!! Thanks

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 non-monetary relief
Consumer complaint received 2015-05-26 00:00:00
Product: Consumer Loan — Title loan
Issue: Can't contact lender — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: CA

Complaint narrative:
APPLIED FOR A PERSONAL LOAN ON XX/XX/2013. I WAS A MEMEBER OF THE XXXX. RECEIVED A CALL STATING I WAS APPROVED FOR XXXX UNSECURED LOAN. AT THE SAME TIME I HAD LENDING CLUB WHICH FOUND OUT LATER IS LIKE A MONOPOLY OF FINANCIAL INSTITITIONS ON THE WEBSITE SCAMING CONSUMERS. I WENT IN AND WHEN THEY DFOUND OUT I HAD XXXX MORE PAYMENT LEFT TO PAY OFF MY CAR SHE INCREASED THE PERSONLA LOAN TO XXXX. SHE OFFERED AS A GOOD GESTURE TO TAKE MONEY OUT OF MY LOAN ANDD SENT XXXX A CHECK SO I DID NOT HAVE TO DEAL WITH IT. AT NO TIME DID SSHE SAY SHE WAS GOING TO USE MY CAR AS COLLATERAL. I NEVER RECEIVED MY PAPERS THE DAY I SIGNED THEM. I WAS TOLD IT WAS AGAINST THE CO POLICY. I PURCHASED UNEMPLOYMENT INSURANCE BUT WAIVED LIFE INS. LATER ABOUT XXXX DAYS I NOTICED THAT THEY WERE THE LIEN HOLDER. I EMAILED XXXX TIMES. NO RESPONSE. I FILED COMPLAIN WITH XXXX, CONSUMER PROTECTION BUREAU. ALL HAVE BEEN IGNORED BY THE COMPANY. THEY CLAIMED THEY DID NOT KNOW I WAS A XXXX. WHEN I FINALLY RECEIVED PARTIAL PAPERWORK COPY OF MY MILITARY ID WAS IN THERE. ALL APPLICATIONS WERE BLANK. MY DMV PAPERWWORK WERE BLANK. IT WAS LIKE I WAS ORDERED FORMS. I AM PAYING OFF A XXXX LOAN. THE ORIGINAL WAS XXXX MY ANNUAL PERCENTAGE IS 33 %. THEY HAD THIS IN MY CREDIT REPORT UNDER A CAR LOAN WHICH ATER MONTHS OF SCREAMING THE DI CHANGE TO PERSONAL LOAN. PLEASE HELP ME OR STEER ME IN A DIRECTION SO I CAN GET JUSTICE. I AM NO LONGER TO THE MARINE BELOW. AT THE TIME I WAS LEGALLY MARIED. I AM NOW REMARRIED AND I AM ALKSO A XXXX NOW

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-05-19 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: SLM CORPORATION
State: NJ

Complaint narrative:
I have XXXX from college and borrowed XXXX and XXXX from sallie Mae in XX/XX/XXXX and XX/XX/XXXX. Since the loan now is past the six month mark and payments are through the roof. Over XXXX a month combined. I am unable to pay this amount and my mother the cosigner is unable as well. My father is deceased so that is not an option either. To make a long story ahort I have been dealing with sallie Mae since XX/XX/XXXX. They has me give all my and my co signers financial info for a rate reduction program that they said I was eligible for at XXXX a month and 2 percent interest for two Years and after two years we reevaluate they had me put a months for earance on the loan as well. Now the program has ceased and they claim its due to their mistake in me putting the loan into forbearance. I had to give all financial info for both again. Now it 's being denied due to processing stating that my mom made XXXX in XX/XX/XXXX. She did not tell them this nor did she make that. She made XXXX and would never inflate it like that also they say she has XXXX in a savings account in XX/XX/XXXX as well. She does not if she did she would not need their money. She has an annuity that can not be touched that 's about it. They will not do the rate reduction program now and we 're very abrupt about it and I am unable to pay the over XXXX dollars a month. I am not refusing to pay. I am able and willing to pay through the rate reduction program and if in XXXX years my situation changes we will reevaluate then and go from there. Please if you can help I would appreciate it. They are untruthful for their own convience. And I just need help to pay the loan at the rate in which I can afford. I did not add that the loans at present are 7.5 and 8 percent. I am not sure what your agency does but any input would help. I was told no from sallie Mae yesterday XX/XX/XXXX. Thank you XXXX

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-03-21 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Stellar Recovery, Inc.
State: MI

Complaint narrative:
XXXX of my bank accts were closed on or about XXXX 2013. I received a settlement offer XXXX XXXX who in return sold the accounts to Stellar Recovery. I paid the settlement offer to Stellar Recovery , Inc. who in return sent me several paid letters of receipt. The problem is that they will not verify this information to XXXX. I 've reached out to Stellar Recovery and XXXX to have the information updated. I 've taken my receipts to XXXX XXXX XXXX who originally had the account. XXXX XXXX XXXX and myself contacted Stellar Recovery and XXXX together. My bank manager verified to XXXX that account balances has been paid through settlement. XXXX sent me a letter stating that the balances are still owed and that the balances were verified through the FI, ( Financial Institution ). This is not true. Stellar Recovery states that " they can not verify to XXXX that I paid the settlement offer and I have a XXXX Balance, because they ( Stellar Recovery ) received the account from XXXX XXXX. The XXXX manager, XXXX XXXX attempted to contact XXXX XXXX. There is no working number. XXXX XXXX also spoke to XXXX and Stellar Recover while I was sitting in his office. 
I would like for XXXX to correct their information regarding my accounts with XXXX. There are XXXX accounts on my XXXX report that shows the accounts are closed with balances. This is inaccurate information.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-06 00:00:00
Product: Debt collection — Mortgage
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: Aqua Finance, Inc.
State: TX

Complaint narrative:
Aqua finance, XXXX and there investment banks are harassing my family again. The harassment had lessened for a while but recently on XXXX/XXXX/15 Monday the harassment started up again! These companies are being protected that 's why it 's so hard to bring them to justice. It 's a lot of money being passed around. Monday 's date has a major significance to our harassment case and for those families that have been victimized by these companies. I think your office knows what we are referring to, nobody is above the law and we 're glad our U.S. Government is cracking down on these crooked companies and politicians! Back to the harassment on XXXX/XXXX/15 in the back parking lot of XXXX XXXX on XXXX 1 of there stooges was literally stalking me his plate number is XXXX XXXX. While I was waiting to p/u my client he pulled up next to me and just watched me clearly trying provoke me. When I left for a minute, he left too and when I came back so did he. The only difference was he parked right behind me. When I started to back up to leave and p/u my client, there stooge backed up extremely fast at the same time clearly tried to wreck our car. If had succeeded I would not have been able to work! That was obviously there plan and they have been committing these types of harassment tactics ever since. These companies conducted these types of felony harassment tactics a few yrs ago and we relayed these acts to the Texas attorney generals office in our complaint letters. On today Thursday XXXX/XXXX/15 I was trying to type up a new complaint update and print it out to be mailed to your office and literally watched my email get deleted right before my eyes. All our complaints have been deleted and that 's why I 'm trying to go through your site again. The last XXXX times that I tried to submit a complaint through your site, I typed up a full complaint and got all the way to the end only to have my complaint blocked! We will not abandon our home and will not be forced to abandon our home. We will protect ourselves by any and all means! If and when our case goes to court, we will get all forms of media involved and that includes everybody that will listen! If your dept checks the camera at that XXXX XXXX back parking lot, you will there stooges come within a hairs length of hitting our car and they have been doing so everyday! We appreciate all your departments help but we wo n't stop until these companies are brought to justice!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-16 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Caliber Home Loans, Inc.
State: MD

Complaint narrative:
I have XXXX concerns with the mortgage servicer, Caliber Home Loans:1 ) I was provided an annual escrow disclosure statement by Caliber Home Loans and notified that my shortage was {$92.00} on XXXX XXXX, XX/XX/2015. I paid the mortgage shortage amount in its entirety ( {$92.00} ) and the funds were posted on XXXX XXXX, XX/XX/2015, but listed on my XXXX statement as " single item receipt. '' I contacted the servicer to determine whether the payment was misapplied and why the monies I sent were not applied to the escrow shortage as directed on my check, and informed that they would counduct a new escrow analysis on my account. In the meantime, my new statements reflect the increased amount of $ XXXX/month from {$710.00} ( prior to the escrow shortage statement ) which includes an escrow adjustment amount of $ XXXX/month which should have been satisfied with the escrow shortage payment. 
2 ) I inquired with Caliber Home Lans whether my account was eligible for cancellation of the private mortgage insurance on this account. I faxed a letter on XXXX XXXX, XX/XX/2015 to an address and phone number supplied by the customer service representative : Caliber Home Loans, Attn : PMI Department, XXXX XXXX XXXX, XXXX, TX XXXX and fax number, XXXX. I contacted Caliber Home Loans again on XXXX XXXX, XX/XX/2015 and spoke with XXXX ( ID # XXXX ) who indicated that my request was received on XXXX XXXXXX/XX/2015. Based on my payment history ( no late payments ) and length of my mortgage, he confirmed that I qualify for cancellation/termination of private mortgage insurance ( PMI ). To date, I have not received a written acknowledgment from Caliber Home Loans of my request for cancellation, or instructions on next steps. A review of my statements, however, show that I 'm paying approximately $ XXXX/month in private mortage insurance. I would prefer that those monies immediately be applied to the principal of my loan, and not to a financial instrument that I 'm not required to have, or desire to have any more.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-20 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: GA

Complaint narrative:
RE : Ocwen Loan Servicing, LLCLoan : No. : XXXXDear Sir : I need assistance with my mortgage company Ocwen Loan Servicing. I am a XXXX XXXX XXXX veteran and a resident of Georgia. I have been paying my mortgage by automatic bank draft ( XXXX XXXX XXXX XXXX ) for over six years now However, Ocwen is saying they have not received payments from me and are threatening foreclosure. XXXX had previously serviced this loan. I have attached a copy of my payment history which shows that I have been making payments. Also I am unable to file my taxes because they have not listed the correct amount of interest I paid on my loan. I have included the loan number for your information. 
I am a XXXX XXXX veteran who XXXX ( XXXX ) times to protect the rights of all and now my rights have been violated.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-04 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I XXXX and am on a XXXX month contract. I was crunched with fewer XXXX classes and tried to contact Citimortgage about any type of help I could get within their system. 

After a XXXX month process of speaking to multiple Citimortgage representatives and receiving different answers and interpretations about the same procedures ( possible outcomes and the best timing for initiating which procedures ), I have come here to complain. 

I have two problems with the system currently in place at Citimortgage. 

1. It is reactive rather than proactive. Apparently, the bank will refuse to help unless the customer falls behind and skirts the edge of default ( but paradoxically will not offer a deferment of payment until AFTER the situation has been resolved ). I tried to do the responsible thing and contact them before the issue became a problem of my not being able to pay. 

2. The Citimortgage associates to whom I spoke each had different understandings and misconceptions about what I was trying to do, why I was trying to do it, and how I should go about handling my particular situation. Though I understand that they must follow company policy, each of the representatives should have had the same understanding of how that policy was to be implemented. After having spoken to XXXX different individuals over the course of two months and received multiple possible answers to the same questions, I am EXTREMELY frustrated.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation