vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-01-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Credit decision / Underwriting — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
This is my 2nd complaint to the CFPB on Bank Of America ... My Home Modification that was offered is a Predatory Loan. BOA conducted a appraisal on the home with the value being {$200000.00} they are offering me a modification of {$360000.00} which is over the market value of the area. I have sent and appealed numerous times. I signed the loan offer under distress because I am tired they are charging me the back fees on the loan which the original amount was {$250000.00} and I filed a chapter XXXX bankruptcy which has been discharged for the pass balance or the total balance for that matter and I keep explaining that to them. So now they have sold the loan and they keep resending the paper work and wo n't accept it because I put under distress under my signature. This is very wrong ... I am trying to keep my home, I have made all the trial payments and feel like my hands are tied, but I do n't think this is a proper practice when they are selling the exact same homes for {$190000.00}. It is highway robbery!!! They should not be able to take advantage of the middle working class. I fell behind on the mortgage because my husband picked up and left without notice and the payments where already behind and I was unaware, then I found out that I was pregnant and I could n't afford the mortgage payment on my own. So if the house was never worth {$360000.00} and the current value is only {$200000.00} and they are selling between $ XXXX {$190000.00} how will I ever come from under that? I have sent comparable listings, their listings, and their appraisal that they ordered and they are still requesting that I sign into this loan. I have XXXX young children and do n't want to start over. They are putting the balance on the end of the loan as a balloon and restarting the loan on a 40 year term to make the payments affordable. But I feel that this is unjust and that a bank as big as Bank of America should not treat people this way. If I moved they would only get {$190000.00} for this property on top of have to spend between $ XXXX {$20000.00} to make it move In ready. I need help ... ..

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-12 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Atlanticus Services Corporation
State: NY

Complaint narrative:
I was unable to make my XX/XX/XXXX payment to Fortiva and scheduled a future payment for XX/XX/XXXX. On XX/XX/XXXX, a transfer of funds between banks to cover the payment hit a snag ( my bank XXXX would not let me mobile deposit a check from myself to myself ). I filled out the contact form on Fortiva 's website withdrawing my authorization for the XX/XX/XXXX payment and scheduled the payment for XX/XX/XXXX. Despite the change, they still withdrew the payment on XX/XX/XXXX, without authorization. 
Fortiva does not email a copy of correspondence, nor did they ever respond to me. However, I do have a screenshot with my message and a confirmation that it was successfully sent to them via their website.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed
Consumer complaint received 2017-03-03 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CIT BANK, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I purchased my deceased mother 's home. Financial freedom sent a pay off that was XXXX more than what was owed. The closing was 5 months ago and the estate is now closed. Financial freedom is now returning the stolen money but the check is written in the name of the closed estate. They are refusing to reissue the check jointly in my name XXXX XXXX and the name of the estate thereby forcing me to have to spend time and money to reopen the estate all because they were trying to steal and could not. I authorize you to publish this so the public can see how awful these thieves are.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-13 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: FAIR COLLECTIONS & OUTSOURCING, INC.
State: MA

Complaint narrative:
They ( the original creditors ) refused to provide the original resciepts for me to keep for my records and to make sure they are n't over charging 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
Consumer complaint received 2015-10-20 00:00:00
Product: Credit card — 
Issue: Overlimit fee — 
Company: ARVEST BANK GROUP, INC.
State: AR

Complaint narrative:
Security Bankcard Center , Inc. advertised as if they were ARVEST Bank. I have a corporate card. I have been paying my monthly credit card bills, up until XXXX 2015. I found out that Security Bankcard Center has been charging me over $ XXXX {$100.00} per month for my pending balance on my credit card. This was never listed in the contract that this company would charge in excess of $ XXXX {$100.00} for carrying a balance. They advertised in a false manner. I do want to pay the card continuously, but after the card company reimburses my card for all of the money they have charged over a year just because I had a certain balance. I do have the contract. I want this matter resolved fairly.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-24 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
I submitted a debt validation letter to XXXX Services on XXXX XXXX, 2015 and have a certified receipt to prove that they have received a noticed and never responded.

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: TIDEWATER FINANCE COMPANY, INC.
State: TN

Complaint narrative:
I was XXXX payments behind on my car payments, I called the office of XXXX XXXX to try and working something out. I told them that I can make XXXX payments in XXXX, if they can help me with the XXXX, then in XXXX I can set up a monthly draft and have payments come out that way. I was told that they will would do the assistance once I made those payments. Once I did they told that they would not be helping with the third payment. In XXXX the transmission was going out on my car, I emailed XXXX told them that I could n't make the payments and save for a new transmission. They told me that if Imake the payment that they have XXXX more option that will help me with that time. Once again I made the payment and they are going back on there word and what they told me

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-01 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: Creekside Recovery And Capital Management
State: KY

Complaint narrative:
I received a call from someone who said I needed to call another number so she could stop from sending legal papers to sue me. I called that number and the person was so abusive, he had me in tears and said I could pay at a discount but had to pay that day or legal steps would be filed. This bill was supposedly for a XXXX home security system that was at my daughters house and I had unsuccessfully tried to settle two years ago. This call happened on XX/XX/2015. The number I was told to call was XXXX. I feel so stupid and this whole situation has been tough on me. I should have known better. I paid with my credit card because I was so intimidated. Now I feel devastated.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-14 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: Resurgent Capital Services L.P.
State: LA

Complaint narrative:
I have attempted to contact the company to clear this debt and gotten no response. I believe it has been cleared.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Utah System of Higher Education
State: CA

Complaint narrative:
I applied for an in-school deferment the first week of XXXX for the XXXX semester commencing XXXX. I meet Federal deferment guidelines because I am enrolled in at least half-time units. My application was rejected because XXXX, the administrator of my student loans, stated that my college had reported that I was, at the time, enrolled in less than 1/2 time units. However, I had submitted the application for the XXXX semester and the form was completed by my college 's registrar. I was also informed that an updated Deferment Application form was available and that I needed to complete that form. Please note that the form contained and required identical information as the one I had submitted in XXXX. Nonetheless, both I and my college 's registrar completed the new form and I submitted it in hard copy by U.S. Mail the first week in XXXX. I also uploaded it to XXXX 's website. XXXX again rejected my application erroneously claiming that my college registrar had not completed Section 4 of the form. This was absolutely incorrect. I called XXXX and confirmed with their representative that the form indeed my college had completed Section 4 of the form and that they would reconsider the application. I called again on XXXX, to learn the status of my request and was told that it would take at least two more weeks to consider the application. XXXX has erred at every step of my application process. I asked to speak to a supervisor when I called today, XXXX, and after waiting on hold for several minutes, was told that " no one was available and try calling back later. '' I stated that I would prefer to remain on the line because it had been two months since my initial application and that XXXX repeatedly rejected my application due to XXXX 's own errors. I was placed on hold again for several minutes and was again told that no one was available. However, I was told that someone would call me back today. Because I have repeatedly been given incorrect information by XXXX, I am concerned that they are not complying with Federal guidelines with respect to In-School Deferments. I would greatly appreciate your assistance with this matter.

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 2016-06-13 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: Mid-Atlantic Finance Co., Inc.
State: LA

Complaint narrative:
I went to a car dealer lot and got ripped off for XXXX the car and my down payment. I was in the process of buying a car back in 2011, and the dealer said he would shop around for a deal to finance the car. After having the car for XXXX I bought the car back to the dealer and at that time he said I have some one who will do the deal. I said never mind, and can I have my XXXX dollars back. OK, the deal is off. Canceled It.He said come back tomorrow and pick up the check for the down payment. I went back the next day and he was gone, I mean gone!!. The company he got to finance me called and said that I was approved. I told them I did not want the car and wanted the money back, she told that they had already sent the dealer the money for the car, I said I did not have the car or my money. So they told it was a done deal and that there was nothing I could do but make the payments.. I said make the payments on a car I do hot have. I will not! THIS HAS BEEN ON MY CREDIT REPORT EVER SINCE!! Late payments for the last 6 years. I have not been able to get credit in the last 6 years because of this. The company is Mid-Atlantic Finance in Florida, this wrong to do to somebody. The dealer should be put in Jail and Mid Atlantic. The way to resolve this is to give me back my money for the down payment and remove it from my credit. I did not make XXXX payment on the car, because I NEVER HAD THE CAR, THE DEALER LEFT TOWN AND LEFT ME WITH THE BILL. He Took my money and the bank 's money.. This is not fair and they should spend time in JAIL ...!! With years of late payments on my credit report. I have not been able to purchase a car or anything because this has held up my credit!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-12 00:00:00
Product: Credit card — 
Issue: Payoff process — 
Company: Continental Finance Company, LLC
State: FL

Complaint narrative:
Opened an account with company, set up automatic payments, payments were never taken causing late fees and over credit but never received any notice this was happening month after month now with fee 's the amount owed is over {$200.00} then original balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-14 00:00:00
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: EOS Holdings, Inc.
State: IL

Complaint narrative:
My family and friends have been contacted by these people over and over again and are not only saying that I am going to be served/ arrested But that my family members and friends are also in trouble and that THEIR credit is also at stake and may be ruined. They have even contacted my ex-husband and told him that I owe for a bill and that he will be in trouble on a Federal level if I am not found immediatley. My Ex and I were married in the XX/XX/XXXX and have been divorced for over XXXX years. Just today they called my brother in law and threatened him on a " Federal Level '' and that HIS credit will be affected in a very negative way. He asked that they not call him anymore. He has had several calls from them in the past, but today 's call got especially ugly. The number that called him today was XXXX. I spoke to the company over a year and a half ago and explained to them that I felt I had resolved this issue with them by paying back what I had origanlly borrowed before they decided to tack on all kinds of fees and so called court costs. I also explained that I was not working at the time and still am not because I have XXXX.I am or have not been hiding out from these people. They have also called my work several times and told my boss my business or at least their illusion of what my business is. They also told her that I will be served at work. I never have been still to this day. If they are going to serve me or arrest me then why have they not done this yet?? They have humiliated me in front of my boss and my co-workers by constantly calling while we were trying to run a business. They have also called my daughter who has been out of the house, married and on her own for the last XXXX years and has gotten her terribly upset. It is humiliating trying to explain to my family, friends, boss and co workers that I have n't done anything wrong and do not believe that I will be arrested.I have never recieved anything by mail from them and no one has ever shown up at work when I was employed. Like I said I have never been hiding out, why do they keep calling and harrasing people that I know or have known in the past?? Like I said before I have a lot on my plate right now with the XXXX and all and going through treatment and DO NOT need this added extra stress in what I have left of my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-22 00:00:00
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: ETHOS LENDING LLC
State: CA

Complaint narrative:
I started the process of refining my 30 year mortgage into a 15 year fixed on XX/XX/2016. I understand I am self-employed and a jumbo loan so as originally stated it would be rushed to close in the normal 45 day timeline but the lender felts they could make this happen. Since then I have been asked for at least XXXX different items from my CPA. I did sign docs on XXXX/XXXX/16. They took my escrow payment. A few days later I was told I had to sign new docs but was not given a reason. An hour before the XXXX signing appointment I was told they had to start the whole process over and they found a new investor but it would be XXXX weeks tops. Here it is XX/XX/2016 and I still have not had my refi completed and they keep asking me to get more data from my CPA. I feel like they do n't believe a female self-employed single person could make the money I do. ( My partner passed away XX/XX/2016 ) and I feel discriminated against. They refuse to tell me why the first loan was not funded and will not answer me on why it is taking months to close, I have more cash in savings then the loan, I have over an XXXX credit score and I make a very high income. I would like the XX/XX/2016 loan to be funded and have the loan adjusted for the lower rate for all these months.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-01-20 00:00:00
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: American Credit Resolution, Incorporated
State: OH

Complaint narrative:
This company calls me repeatedly at home and at work, and has contacted family and friends about a debt they refuse to validate. When they call, they refuse to give names, or to even tell me the full name of their company. They send me threatening text messages.I have asked them to stop contacting me by phone several times.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-12 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: AFNI INC.
State: IL

Complaint narrative:
Afni collection agency has sent me a debt collection letter, saying i owe money to sprint. I have never been a customer of sprint nor have i ever lived in the places they are saying i had debt. i have read many complaints about this company doing this illegally. Afni just sent me what is suppose to be verification but it has no information about me except my name and current address.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-11 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EOS Holdings, Inc.
State: CO

Complaint narrative:
I received a negative collection on my Experian credit report for the company EOS CCA. It shows the original creditor to be XXXX. I do not have nor have I ever had any delinquent accounts with XXXX. I contacted XXXX and about this issue and they stated that they had no record of a collection or any type of delinquent account in my by my SSN/Name. I disputed the collection with Experian and it came back as being founded. This is NOT my account and this EOS CCA company is fraudulently putting times on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-05 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: EOS Holdings, Inc.
State: MI

Complaint narrative:
A debt has appeared on my credit report from EOS CCA for some time. I have tried to dispute it in the past and it has never been removed. The original debt is from XXXX XXXX, a company I have not done business with in over 6 years. They are unable to provide me with any proof from this and it continues to appear with a new date every year.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-06 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: AFNI INC.
State: FL

Complaint narrative:
In XXXX 2015 a collection agency called XXXX XXXX XXXX reported to the Credit Agencies a debt collection for the amount of {$470.00} from XXXX which a disputed and reported to CFPB and it was resolve. 
In XXXX 2015 a new debt collection agency called AFNI is trying to collect the same debt of {$470.00} from XXXX and reported to the credit agencies again

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-06 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: EOS Holdings, Inc.
State: MA

Complaint narrative:
I 've been getting recorded calls from EOS but I can not get a response to the origination of the debt in collections - if they would tell who was originally owed but they 've been vague and no details provided

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-01 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: REGIONS FINANCIAL CORPORATION
State: FL

Complaint narrative:
I have a checking account with regions bank and a unauthorised person took {$800.00} out of my account with out my permission. I still have my debit card in my possession and I never give anyone my info so I do n't know how this person took money out of my account. Both withdraws was taken out at a atm. I noticed the next day and immediately called my bank and filed a fraud report along with a claim. I called the bank a week later learning that they denied my claim because the transaction happened in the same state and because they knew my pin. I told them I still have my debit and can prove I was at work at the time the money was stolen. The bank never credited Me back my money. This was all the money I had and I need help getting it back.

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 2015-12-29 00:00:00
Product: Other financial service — Debt settlement
Issue: Excessive fees — 
Company: Nationwide Biweekly Administration, Inc.
State: MN

Complaint narrative:
I signed up with Nationwide Biweekly Administration ( a service based in XXXX OH to make biweekly payments to my mortgage company on my behalf ) in XX/XX/XXXX and was charged an {$800.00} initial fee with the promise that over the life of their service to me, I would end up saving more than that amount of money in saved interest. Just 5 months later, NBA notified me that they could no longer deliver the agreed upon service of making biweekly mortgage payments on my behalf due to the loss of their banking relationships. 

NBA 's marketing when I joined said I was guaranteed to save money, and even now their web site claims " Our money back savings guarantee ensures that if you do n't earn your fee back in additional equity and interest savings, you can keep the equity that has been earned and we will refund you all of your money. '' I have contacted the company to demand a refund of my {$800.00} fee since they clearly can not complete the services they promised to deliver.

Company response to consumer: Closed with explanation