vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-04-07 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: REGIONS FINANCIAL CORPORATION
State: FL

Complaint narrative:
Yesterday, I deposit a check from my company account ( XXXX ) to my personal account ( Regions ) using my mobile and I selected from the deposit option to be cleared last night and paid the {$3.00} fee requested. With no warning, this morning I see that my check is ON HOLD XXXX XXXX XXXX while the money was taken last night from XXXX account. Basically, Regions Bank is holding my money ( XXXX {$3700.00} ) for 8 days, with no reason and no warning. By the way, the money was to pay my mortgage with Regions Bank. 
This is an abuse and arbitrary action and when I asked where can I write a complain the denied me the information.

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 2017-02-27 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: AMERICAN INTERNET MORTGAGE
State: CT

Complaint narrative:
AIMLoan.com failed to pay real estate taxes when due out of the escrow account maintained for tax purposes. To date they have only paid a {$210.00} assessment with an additional {$4300.00} past due. As the borrower, we reached out numerous times only to be told it was being researched. As of today taxes remain past due by one month.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-26 00:00:00
Product: Debt collection — Medical
Issue: Communication tactics — Called after sent written cease of comm
Company: Law Offices of Ross Gelfand, LLC
State: AZ

Complaint narrative:
I received a call on XXXX/XXXX/15 at XXXX from XXXX XXXX XXXX XXXX XXXX She asked me to verify my address etc. and then she told me she was calling to collect a debt that was established by the Law Offices of Ross Gelfand LLC and that they took over the account. I told her that the the office of Ross Gelfand was notified by my attorney ( I have a letter dated XXXX XXXX, 2015 ) that he was handling the matter and that she just violated the FDCPA Act by contacting me directly instead of my attorney. She said I never notified them which is a diversion. They should know if they took over the account

Company response to consumer: Untimely response
Consumer complaint received 2016-05-26 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: Cornerstone Legal Group, LLC
State: PA

Complaint narrative:
I am very concerned that I was scammed by cornerstone legal LLC! 
They will return my emails or phone calls and I 'm now getting sued by credit card companies!!

Company response to consumer: Untimely response
Consumer complaint received 2016-08-17 00:00:00
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: Mobiloans, LLC
State: CA

Complaint narrative:
The company I have a loan through has n't applied any payments towards my loan and said they would be deducting once a month payments for one year of XXXX dollars each month now they are doing it twice a month and never sent over my payment dates just a generic payment plan with the amount you borrow but mine is different each month

Company response to consumer: Untimely response
Consumer complaint received 2017-03-22 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: I.Q. DATA INTERNATIONAL, INC.
State: TX

Complaint narrative:
Received a letter months after moving ... never heard from the original creditor which was a landlord ... I have written notice advising I was vacating premises at end of Lease

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-07 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: U.S. BANCORP
State: MO

Complaint narrative:
I SUBMITTED A HANDWRITTEN NOTICE US BANK XXXX BRANCH DEMANDING TO CLOSE MY ACCOUNT. MONTHS LATER I RECEIVE DISCRIMINATORY TELEPHONE TACTICS OF DEBT COLLECTION EFFORTS IN EXCESS OF {$230.00} BY A THIRD PARTY DEBT COLLECTOR. MY LETTER STATED THAT THE ACCOUNT WAS TO BE CLOSED AND REMIT THE CLOSING ACCOUNT BALANCE DUE STATEMENT TO MY PO BOX IN XXXX OF THIS YEAR. I SINCE HAVE BEEN HARASSED AND THREATENED BY THEIR DEBT COLLECTORS DECEITFUL ACTIONS. THIS ACCOUNT IS PAID IN FULL. REFERENCE NUMBER XXXX. CONFIRMATION NUMBER 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 2017-04-04 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Focus Holding Company
State: NV

Complaint narrative:
My business closed on XX/XX/XXXX. I contacted XXXX XXXX to cancel me account. They cancelled the account with a written notice from me.. I contacted them 1 month later to inquire about my refund of bill paid. They stated that I needed to return their equipment. I informed them that the equipment was there when I leased the space, and I no longer occupied the space and they would have to contact the landlord. 
I gave them his information. I called the following month again inquiring about my refund. They states that they did not get the equipment and will not issue a refund with out the equipment. 
The following month I received a email from a Focus Receivables Management ( Debt Collector ) demanding I paid {$70.00} for XXXX XXXX. 
I again contacted XXXX XXXX on XX/XX/XXXX to find out why I was sent to collection for a debt I did not owe. 
Also, they failed to notify me of any debt I owe to them. 
The fact is that they owe me my refund of fees paid. 

I then made arrangements with the landlord to give access to XXXX XXXX to access the space and retrieve their equipment. I schedule a time with them on XX/XX/XXXX between XXXX and XXXX I sat in the parking lot from XXXX to XXXX and no one from XXXX XXXX arrived to retrieve their equipment. 
I have tried numerous time to resolve this issue to no avail. 
Any help you can provide is greatly appreciated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-11 00:00:00
Product: Debt collection — Payday loan
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: ROC Asset Solutions, LLC
State: CA

Complaint narrative:
The law firm that XXXX hired to collect their debt is calling me on my cell, my work number. They are leaving VERY DETAILED information on my parents home phone, my sisters phone and my friends phone stating that this is XXXX XXXX from API and this message is for ( My Name ). XXXX ( My Name ), your agreed upon payment of {$170.00} failed to clear your bank and came back as insufficient funds. If we do not hear back from you within 24 hours we will be contacting XXXX XXXX for fraud charges for them to take their action on a state and federal level. Please return my call at XXXX ext XXXX And a XXXX also left this same message with a call back number of XXXX ext XXXX I do not live with these relatives or friends. They should not be leaving these types of messages.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-05 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I submitted investigation request to look into wrongly reported Student loans on my credit profiles with XXXX, XXXX, and Equifax. I discovered the error on my personal credit during the application process for employment. Multiple agencies had declined to hire because of credit score and the amount of student loans listed multiple times as defaulted. I reached out to each credit reporting agency and asked for documentation and to investigate in order to clear up the misunderstanding. 

My student loans are all with XXXX XXXX and are under deferment and are not in default. During the investigation process, US DEPT OF EDXXXX account XXXX was removed from all credit agencies once the error from the investigation was found, along an apology letter from the servicing agency handling half of my student loans. 

During my request for verification and to validate the information being furnished on my credit, the only thing that occurred was all accounts where updated with " Closed '' since they did not hold nor were servicing my student loans going back almost 10 years, XXXX account # XXXX was not helpful in providing the documents requested nor provided the verification as its still being reported incorrectly under the circumstances in which loans were to be in deferment. Ive made XXXX request total and asked for verification and to request written proof of their finding but was never furnished with any information.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-07 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Caliber Home Loans, Inc.
State: NV

Complaint narrative:
I paid my property taxes on time until I refinanced my home. My mortgage was refinanced by XXXX in XXXX where I am a resident. I paid prorated taxes to XXXX and I have documentation as proof which also contains that on top of the existing amount I pay per month, I also put the amount of my property taxes into an escrow of the company which is how it gets paid afterwards. A month later ( end of XX/XX/XXXX ) the loan was purchased by Caliber Home Loans , Inc. ( Corporate Office : XXXX XXXX XXXX, XXXX, TX XXXX ). I have been making payments promptly and on top of that I have been submitting additional payments towards my principal. Today, I received a delinquency notice from the XXXX County Treasurer, that I owe property taxes for the current year ( which where Caliber Home Loans Inc. has been the responsible party ). I called their department and I was told that they will do an investigation but WILL NOT call me back about this and basically left me on my own. They have been taking money out of my payments since XX/XX/XXXX and fail paying the property taxes THEY ARE responsible for, leaving me with penalties. Please enforce the applicable laws against such company. Took my money, do n't pay what they are mandated to pay by law and furthermore stated that they will not even keep me posted on this which will essentially allows the county to post the delinquent property address ( and its owner ) in the local newspapers. Thank you and XXXX Bless!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-26 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: National Enterprise Systems, Inc.
State: FL

Complaint narrative:
I am XXXX XXXX XXXX and do not have any debts. My cell phone number is XXXX, which I have had for 10 years. I get lots of calls from XXXX asking to speak to XXXX and saying my cell phone number is hers. On XXXX XXXX, 2017, I told them I was not XXXX, but they keep calling. They have called at least 7 more times. I am very busy at school and do not appreciate these harassing calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-24 00:00:00
Product: Debt collection — Medical
Issue: Communication tactics — Used obscene/profane/abusive language
Company: National Medical Administrators, Inc
State: GA

Complaint narrative:
After calmly explaining that I am unemployed and have no ability to pay debts at this time, the rep on the phone yelled at me repeatedly "pay your bills!! Pay your bills!!" they also refused to tell me what the hospital bills were for specifically. I feel very violated and harassed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-01 00:00:00
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
Portfolio Recovery Associates Says That They Purchased A debt From Someone That 's Mine From 2008 And Is Trying To make Me Pay a For It. They Have Been Harrassing Me Consistantly And Their Staff Used Intimidation Tactics On Me And purposely Put Derogatory Marks On My Credit Report. They Are Absolutly Aweful People And I Want This Harassment Of An Expired Debt To stop.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-04 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Portfolio Recovery Associates, LLC
State: KS

Complaint narrative:
I have sent multiple certified letters to the collection agency in attempts to provide validation as to who this collection is for, but they continue to provide me with a letter stating that the debt is valid, but nothing bearing my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-28 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: DYNAMIC RECOVERY SERVICES, INC.
State: CA

Complaint narrative:
I received two phone calls from this company dynamic recovery solution once the week of XXXX XXXX and the second one from yesterday XXXX. The number they are calling to in a business number with random different people working volunteering. I personally have no issues paying my credit cards. I seen review form website that this company is a scam and they try to collect debt that does not exist. The man said his name is XXXX and he is from dynamic debt recovery solutions ( XXXX XXXX XXXX. Our work phone number he called is XXXX XXXX XXXX XXXX and our message is on our voice mail does not give out names it just stated the XXXX of the business and departments so how do I know he is real or a scam? I do n't want to call amd get harassed. Please advise. In the meantime I will ignore he calls which are random as well. 
XXXX XXXX

Company response to consumer: Untimely response
Consumer complaint received 2017-04-07 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
Dear XXXX CFPB, I would like to complaint than Ocwen Loan Servicing , LLC . ( Ocwen ) appears to show that Ocwen may not be in compliance with certain provisions of the Home Mortgage Disclosure Act ( XXXX ) and its implementing regulation, Regulation C. 

The Home Mortgage Disclosure Act of XX/XX/1975, as amended, 12 U.S.C. XXXX, requires many financial institutions to collect data about their housing-related lending activity, including home purchase loans, home improvement loans, and refinancings that they originate or purchase, or for which they receive applications. 

Annually, a for-profit mortgage-lending institution other than a bank, savings association, or credit union, must collect, record, and report XXXX identified in XXXX and Regulation C to the appropriate Federal agency when : ( i ) in the preceding calendar year, it either : ( A ) originated home purchase loans, including refinancings of home purchase loans, that equaled at least XXXX percent of its loan-origination volume, measured in dollars ; or ( B ) originated home purchase loans, including refinancings of home purchase loans, that equaled at least {$25.00} XXXX ; and XXXX XXXX ) on the preceding XX/XX/XXXX it had a home or branch office in a Metropolitan Statistical Area ( MSA ) ; and ( iii ) it either : ( A ) on the preceding XX/XX/XXXX, had total assets of more than {$10.00} million, counting the assets of any parent corporation ; or ( B ) in the preceding calendar year, originated at least XXXX home purchase loans, including refinancings of home purchase loans. 12 C.F.R. 1003.2, 1003.4, 1003.5. A for-profit mortgage-lending institution other than a bank, XXXX XXXX, or credit union, is deemed to have a branch office in an MSA if, in the preceding calendar year, it received applications for, originated, or purchased five or more home purchase loans, home improvement loans, or refinancings related to property located in that MSA. 12 C.F.R. 1003.2. A violation of HMDA or Regulation C is subject to sanctions as provided in section 305 of HMDA, 12 U.S.C. 2804, and subtitle E of the Consumer Financial Protection XXXX of XX/XX/XXXX, XXXX U.S.C. 5561 et seq., including the imposition of civil money penalties, where applicable. 
Ocwen is in violation of XXXX filing requirements, we urge CFPB to review Ocwen practices to ensure that Ocwen comply with all relevant laws. Ocwen do not follow XXXX, Regulation C, and CFPB guidance, Ocwen continued to request us to submit all Loan Modification Application and always denied our loan Modification for any reasons Ocwen wants to. We get the denied Loan Modification for may times.We encourage CFPB to advise Ocwen to compliance with the laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-20 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: Diversified Recovery Services Inc.
State: LA

Complaint narrative:
Creditor agreed to remove from my credit file. The account is still showing on my XXXX credit report. This debt was discharged through chapter XXXX bankruptcy.

Company response to consumer: Untimely response
Consumer complaint received 2017-03-08 00:00:00
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: Worldwide Recovery LLC
State: SD

Complaint narrative:
I received a voicemail from a local number XXXX. She stated her name was XXXX but did not say who she works for. She stated I have 2 felony fraud charges and someone would be coming to my place of employment to detain me in the next 24 hours. The number to call back was XXXX. She also stated that the message was my legal notification of pending action.

Company response to consumer: Untimely response
Consumer complaint received 2017-04-07 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Called outside of 8am-9pm
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
I notified JCPenney ( Synchrony Bank ) of my late payment and the day I would be able to pay via phone call and online account multiple times. The bank still proceeded to call me from different phone numbers all over the US 5 to 6 times a day, as early as XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-10 00:00:00
Product: Prepaid card — General purpose card
Issue: Unauthorized transactions/trans. issues — 
Company: Plastyc, Inc.
State: GA

Complaint narrative:
I PURCHASED A {$200.00} VISA GIFT CARD WITH THE INTENTION TO PAY A BILL. I SET UP AN ACH DEBIT WITH THE PAYEE TO BE PAID ON XX/XX/XXXX. I WAS NOTIFIED THAT MY PAYMENT WAS DECLINED ON XX/XX/XXXX. I HAD REGISTERED THE CARD ONLINE AND WAS ABLE TO VIEW THE TRANSACTIONS. I FOUND XXXX TRANSACTIONS THAT WERE NOT MADE BY ME. I ALSO COULD NOT LOCATE THE CARD. 
ONCE I REVIEWED THE DATES OF THE UNAUTHORIZED TRANSACTIONS AND REMEMBERED I HAD THE CARD IN MY PURSE THE LAST TIME IT WAS IN MY POCESSION. I WAS IN A CAR ACCIDENT ON XX/XX/XXXX AND THE CONTENTS ON THE PASSENGER SEAT WENT FLYING ON IMPACT. MY VEHICLE WAS SEEN BY XXXX AUTO BODY REPAIR SHOPS WITHIN DAYS TO GET ESTIMATES AND ON XX/XX/XXXX, MY VEHICLE WENT IN FOR REPAIRS AND WAS NOT RETURNED TO ME UNTIL XX/XX/XXXX. I REALIZED MY CARD HAD BEEN STOLEN OUT OF MY VEHICLE WHILE GETTING THE ESTIMATES FOR BODY WORK. 
I CONTACTED CARDHOLDER SERVICES TO REPORT THE UNAUTHORIZED TRANSACTIONS ON XX/XX/XXXX. I SUBMITTED THE DOCUMENTATION TO BEGIN THE PROCESS OF RECOVERING THE FUNDS ON XX/XX/XXXX BUT WAS INFORMED IT WAS NOT RECEIVED. I RESENT ON XX/XX/XXXX. I WAS SENT A DOCUMENT TO COMPLETE ON XX/XX/XXXX WHICH I COMPLETED AND FAXED BACK ON XX/XX/XXXX. THIS WAS THE 2ND STEP IN THE PROCESS AND WAS TOLD THAT I WOULD BE SENT A NEW CARD IN APPROXIMATELY 10 BUSINESS DAYS. 
NEARLY A MONTH LATER, I HAD NOT RECIEVED THE NEW CARD SO I CALLED AND LEFT 2 MESSAGES ON XX/XX/XXXX WHICH IS SUPPOSED TO BE RETURNED WITHIN 48 HOURS. MY HOPES WERE I WOULD BE ABLE TO SPEAK TO SOMEONE BUT SAT ON HOLD UNTIL THE SYSTEM PROMPTED ME TO LEAVE A MESSAGE. I DID NOT GET A RETURN CALL SO I CALLED AGAIN ON XX/XX/XXXX AND HAD TO LEAVE ANOTHER MESSAGE. I TRIED AGAIN ON XX/XX/XXXX BUT AGAIN, I WAS SENT TO VOICEMAIL. I HAD NO ISSUE GETTING THROUGH WHEN I INITIALLY STARTED THE DISPUTE PROCESS BUT THE PROMPTS ARE DIFFERENT DEPENDING ON THE REASON FOR YOUR CALL. 
I WAS GETTING FRUSTRATED SO I COMPOSED A TIMELINE OF EVENTS AND FINAL REQUEST TO GET AN UPDATE ON THE STATUS OF MY DISPUTE / NEW CARD AND SENT IT VIA FAX AS THIS IS THE ONLY OTHER MEANS OF CONTACT AVAILABLE. I SENT THAT ON XX/XX/XXXX AND MADE IT CLEAR I WAS GOING TO TAKE FURTHER ACTION IF THIS WAS NOT RESOLVED. IT IS NOW XX/XX/XXXX AND I HAVE NOT RECEIVED A RESPONSE FROM CARDHOLDER SERVICES. I AM HOPING THIS COMPLAINT WILL GET THEIR ATTENTION AND GENERATE SOME TYPE OF RESPONSE AND EXPECTED TIME FRAME FOR THE FUNDS TO BE CREDITED TO A NEW CARD AS I WAS TOLD.

Company response to consumer: Untimely response
Consumer complaint received 2017-04-03 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
I have for the past year disputing this account have sent them several certified letters as well as Identity theft information showing that the account was not mines. However they sent me a check showing a payment that was made with my name on it from another closed bank account that was closed because of the same Identity theft reason. I am trying to get this resolved once again and the company has not been helpful even after verifying everything asked of me.

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