vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-04-09 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: Netspend Corporation
State: CO

Complaint narrative:
I went to work on XX/XX/2017 like it was a normal day. Usually I have hectic mornings being I am a single mother of XXXX kids that I deal with in the mornings which can be very chaotic at times. When I got off at XXXX I did my usual and picked up all XXXX of my kids by the time I got home it was about XXXX, I started looking for my debit card and could not find it, because I switch purses a lot I tried to not think the worst so to give myself peace of mind I went online to confirm my balance because I had just got my income tax refund, also I had just went to jack in the box around XXXX so I was n't to concerned I was being real careful on how I spend it because I am dealing with foreclosure and that 's when my current nightmare began my balance went from XXXX $ to {$1000.00}. I immediately called my bank and of course it was not open so I canceled card thru the automated system. The next morning I did n't even go to work I went to one of the XXXX these people went to and waited all day for a officer that finally arrive by XXXX or so and took my statement. He stated the people went to so many XXXX most of them was from XXXX County. I have submitted my proof of Police report and Proof of me being at work and they are still not willing to refund my money. They said because these people used my pin and went to al the stores I have been to that there are no errors found, I have spoken to Agents and Supervisors and everyone is not willing to make this right. Can you please tell me what I need to do to get some justice thats a lot of money and I need to give that to my mortgage company I been unemployed since XX/XX/XXXX and started working for XXXX XX/XX/XXXX of this year and I did n't deserve this and now I see no hope in getting Any of my money back. This cant be legal.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-10 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANKUNITED, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
We purchased our house located  XXXX   XXXX , Texas on   XXXX   XXXX  . The loan was initially with   XXXX   XXXX   XXXX   and then with   XXXX   XXXX  , and then was transferred to  BankUnited on     XXXX   XXXX   XXXX  . Shortly after that, the  Insurance Dept. fro m  BankUnited infor med that our property needs a flood insurance. We sent them  two mail s on   XXXX   XXXX  ,  XXXX  to explain that we had a  Survey from house builde r,  XXXX   XXXX , showing that the house is not on the flood zone. In those mails, a certified SFHDF ( Standard Flood Hazard Determination ),  FEMA Fo rm  XXXX , dated on  X/XX/XXXX , which we submitted to  XXXX  at loan application, was also included to show that the house is marked as zone " X '' on the Flood Map and require no flood insurance. The answer from  BankUnited t hen questioned that the SFHDF we provided was issued on   XXXX  , few months before   XXXX   XXXX  , and so might be out of dated. To respond to their and our questions, we requested for another  XXXX , dated on   XXXX  , again showing our house is on zone " X '' and needs no flood insurance. Meantime, we also contacted    XXXX   XXXX   Floodplain Dept. Manager,    XXXX   XXXX  to clarify. He sent us an email with proof, maps to show us the house is actually on zone "  X '' .. On   XXXX   XXXX  , we  sent them another mail and provided all these findings and proof. Since then, no words from  XXXX . Until, end of   XXXX   XXXX  , when we received the annual Escrow Account  Disclosure Statement, w e surprisedly found that {$1600.00} was charged for flood insurance payment. We called  XXXX   XXXX ,  manager of Insurance Dept., BankUnited, to disc uss the case and request them to reimburse the mischarged {$1600.00} back to our escrow account. She said they will do some investigation about the case. Since then, weeks after that, we called her twice a day to follow up. The answer from the  Dept. has bee n always " She is not available and no one else can be responsible for the case. '' We have no other way to do but file this complaint to pursue a justice and our {$1600.00} back.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-08 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: MLB Residential Lending, LLC
State: DE

Complaint narrative:
I submitted a mortgage application with MLB Residential Lending , LLC for a refinance in mid XX/XX/XXXX. I went through all the processing and received a " clear to close '' from both the lender and closing attorney on XX/XX/XXXX. The loan was scheduled with the title company for settlement on XX/XX/XXXX. On XX/XX/XXXX, I received a notification from my loan officer that the underwriter stated that the loan can not close as structured due to investor guidelines and will need to be restructured as a purchase. Over the next 3 weeks I submitted all the necessary documentation as requested by the lender and received the new disclosure paperwork on XX/XX/XXXX. I signed the paperwork and completed additional documentation that needed to be physically printed, signed and faxed back. This was done in the morning and in the same afternoon I received an email stating my loan status has changed to " denial ''. I was instructed to contact my loan officer with any concerns or questions. I went online to review the denial thinking it had to be a mistake and found my loan was denied to " incompleteness ''. I contacted my loan officer as instructed to find out he now was " no longer '' with MLB Residential Lending , LLC. He therefore instructed me to contact them directly. I emailed them to follow up on what was " incomplete '' and why I was not notified or given the necessary paperwork or opportunity to complete it. I received an email back stating it was " incomplete '' and therefore the loan was denied and given no additional feedback or information.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-04 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: ACIMA CREDIT, LLC
State: PA

Complaint narrative:
I am being charged a late fee o f $ 700+ d ollars by a loan servicing company by the name  of ACIMA whi ch was formerly known as   XXXX   XXXX  . I signed legal documents authorizing this company to take out automatic payments every other week of the amount of {$100.00}. However when it was time for the 90 day buyout option for my furniture I was misinformed by a representative and charged a late fee. No where on my contract does it say I was to call this loan servicing company authorizing a final payment I already signed a legal document for.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-10 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: ORG GC GP BUYER, LLC
State: OH

Complaint narrative:
I had a phone lease through the cell phone carrier  XXXX . The phone was returned to the store, but  XXXX  did not account for the phone.   As of now I am receiving collection notifications for the phone i rightfully returned.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-11 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Early Warning Services, LLC
State: NJ

Complaint narrative:
what has happened I had a checking account with XXXX my auto insurance XXXX when in to my bank account and automatic debit my payment out I believe it was for XXXX well I do n't have overdraft protection. XXXX XXXX paid XXXX XXXX any way so when I got the notices I called to make a payment settlement to pay this debit back to them my brother had a XXXX and I had to relocated with him and was out of work but I called XXXX XXXX and we agreed on a payment arrangement and I paid it off. but they then reported me to early warning system CONSUMER ID XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX Afther I paid them so I can not open a bank account any were and on top of that they but it with a collection services name XXXX XXXX XXXX XXXX XXXX, ma XXXX file # XXXX pin # XXXX for XXXX that was unfair I am in dispute with XXXX but XXXX XXXX lied to me I paid them and this is what they did I asked them not to put it in collections I will pay it it was a hardship for me but they broke the deal and put it in collection and early warning system making it so I can never open a bank account again if you can help I will be thankful XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-10 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Commonwealth Financial Systems, Inc.
State: CA

Complaint narrative:
The credit agency that has been trying to collect from me for over 6 years has stated that the debt was reported on a more current date which is a lie.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Dovenmuehle Mortgage, Inc.
State: UT

Complaint narrative:
My husband and I were self-employed up until XX/XX/XXXX when we had to close our company and lost all of our income. We had made every mortgage payment to our lender on time from XX/XX/XXXX to XX/XX/XXXX. I immediately reached out to the lender to inform them of what had happened and begin the process for a modification or forbearance on our home temporarily until we could obtain employment. I submitted all documents, forms, etc. and kept in close contact with them the entire time. I was first to obtain a job, but it was only part-time. The mortgage company denied our first application for not enough income. However, my husband obtained full-time employment in XX/XX/XXXX, making considerably more money than me. I resubmitted the application, with proof of his job, and they denied us again, this time for too much money, no hardship. One thing they do n't realize is in order for my husband to have this job, he must live in another city during the week, which adds another rental payment for living quarters, subtracting from his monthly income, not including travel and other living expenses. We are n't able to meet all of our expenses even though he has a good paying job. Apparently, they ignored this information and denied us anyway. I had attempted contacting them myself and was only met with hostility and told there was nothing more they could do. I did n't even receive actual denial letters of the reasons for denial, it was just verbal over the phone. In addition, when I would try to call, the person handling our case was never available and of course, they never returned my phone calls. I recently began working with a third-party company to assist us in going back to the mortgage lender for reconsideration. The individual at this third-party company was able to get to the people who had " our file '' and was told by a person in their underwriting department that technically, we should have been approved for a HARP modification, but the " investors '' denied it and will never agree to the modification. The person also stated that our lender denies 95 % of relief applications, regardless of the validity or hardship, and the company is not a good lender to have a mortgage with. I do n't know what else to do. We have full intent to keep our home, but need some relief for a bit until we can get our lives and financial situation back together. This mortgage company refuses to work with us, which is unfair, and someone needs to investigate them. We are not the only homeowners suffering because of this lender and they need to be stopped. We want help to save our house, but they wo n't help us.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: TimeMark Solutions, Inc
State: WA

Complaint narrative:
On  XXXX   XXXX    XXXX   I did a search for a  XXXX  phone number and selected  XXXX  and dialed  XXXX . I was connected to a representative who introduced himself as  XXXX  and asked if I was calling about my  XXXX  loans. Throughout the call he miss represented himself as a  XXXX  associate. He had access to my student loan information and recommended that I consolidated my loans to get  XXXX  low payment. He then transferred the call to another person by stating that the consolidation is handled by a third party company called  Timemark Solutions.  I unknowingly agreed to the terms because I thought  XXXX  was a   XXXX    representative and that  Timemark Solutions  was affiliated with  XXXX .   I discovered several days later that  XXXX  was actually working for  Timemark Solutions  and was lieing to me the whole time. I called Timemark Solutions to cancel the service and explained to them what happened and why I signed up. They simply said that they already submitted the request for payment in the amount of { XXXX } and their was no refund. They further revealed the terms of the agreement was for a total of { XXXX } and that non of that money would go towards my loans. I told them I was told nothing about being charged { XXXX } for something I could have done for free.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-10 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: CNG HOLDINGS INC
State: CA

Complaint narrative:
I am having trouble with financing I received for some auto repairs on my car. I never received a copy of my signed agreement and was told by the shop I received the services that the company will email the executed agreement. I had some family business ( caring for parents  )  to tend to after I got the   XXXX   fixed and was n't able to follow up.The company began debiting my account for the amount agreed but then they started debited my account on days not agreed  (  every other Friday  )  and caused overdraft on my account, which they continue to do. So as I tried to get information online about the contract I found out the actual financing was a LEASE contract for the PART used in the repair and after a certain time I would have to " return '' the  XXXX  equipment at the end of lease. Essentially I am renting the repairs made to my car and not financing the repair cost as I was originally was told. In neither the Tempoe agent I spoke to or the representative at  XXXX   XXXX  referred to this as a lease agreement and I was not advised the that I would be returning the repair equipment. I called in to  Tempoe  a copy of my executed agreement online and he said the agreement was on the web account. The agreement has no time stamped signature or the electronic signature I signed on the pad at  XXXX   XXXX . I have requested a copy of this and any other documents of my lease agreement and the company refuses to send it to me. The agent spoke to  XXXX  says that they do n't have hard copies of the agreement to send me. I asked him for any paperwork for this loan to be sent to me and they have failed to send it. He also, said I can purchase the equipment for a fee. I feel like from beginning there was was deceptive loan origination practices and this company is not disclosing to their customers that they are entering lease agreement for equipment financing.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-10 00:00:00
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
On XX/XX/2017 a check was written from my Business Checking account, unbeknownst to me. The check was a part of the starter checks. It was signed by a person who I do not know but that person just signed his name on the check - completely different from my signature. The check was allowed to be processed and funds were debited from my account, in the amount of {$900.00}. I filed a claim with Chase and, after about 2 months of investigation, they denied my claim stating that I failed to take proper care of my checks. I explained to them that the checks are kept in a locked drawer and that I am not sure how this person got a hold of it. What about the fact, that the signature does not match my signature? According to Chase, that does not mean much since, in their opinion, I did not take care of the check. I also explained to them that I did not file a police complaint for stolen check since I expected Chase to take care of it. I talked to their Senior Claims representative on a couple of different occasions but they came back with the same conclusion. My Banking contact at the branch office talked to Chase Claims Department and he was appalled to here what they had to say. He feels that this was a clear case that Chase should have ruled in my favor and pursued the person who wrote the check. Please note that I have recently moved, hence the address on this complaint is different from the address on Chase 's letter. 
The fundamental issue here is - the signature card has no significance. Banks do not check for your signature on checks and they take no responsibility if the signatures do not match. I am not sure that all customers are aware of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-10 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: AFNI INC.
State: TX

Complaint narrative:
Afini Did not abide by the fcra .article 623 section 3 ". In general. The notice required under subparagraph ( A ) shall be provided to the customer prior to, or no later than 30 days after, furnishing the negative information to a consumer reporting agency described in section 603 ( p ). ( ii ) Coordination with new account disclosures. If the notice is provided to the customer prior to furnishing the negative information to a consumer reporting agency, the notice may not be included in the initial disclosures provided under section 127 ( a ) of the Truth in Lending Act. ( " I never received any notice of debt or notice of intent to report to a consumer reporting agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-10 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: CAINE & WEINER COMPANY, INC.
State: OH

Complaint narrative:
The original creditor reported that I was married, which sky rocketed my insurance premium. They never sent any information so I can defend the dispute. As a result they placed a XXXX account in collections on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-22 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Used obscene/profane/abusive language
Company: U.S. IMPACT, INC.
State: NE

Complaint narrative:
I understand that there is a balance with    XXXX   XXXX    regarding my company account. I had lost contact with them regarding this, and they submitted the balance over t o US Impact Inc.   <P/> When  XXXX   XXXX  from  US Impact reached me  the first time, the call went fine, up until the very last few moments where she started to get rude and made a rude comment. This was the first issue.  <P/> She proceeded to reach the  manager of m y company and was rude and threatening to her.  <P/> I contacted    XXXX   XXXX   abou t the issue, they confirmed that US  Impact was in fa ct who they sent the bill to. They gave me the contact information for  XXXX .  XXXX   XXXX  has been very nice and communicative on the phone. I am MORE THAN HAPPY to deal with them directly as I do not want to further jeopardize my relationship with them. However, for this particular bill, they are at a standstill since it has already gone t o US Impact.   <P/> My concern is that  XXXX  fro m US Impact Inc has  violated several rules. I 've asked her not to call my cell phone during business hours, and she proceeds to. Today when I had a moment to answer, she straight out LIED about any agreement between  XXXX   XXXX   XXXX  and  US Impact. She sta ted that the  manager o f  XXXX   XXXX   XXXX  confirmed with her that there was an agreement fo r 3 payments. This was NOT the case, nothing was agreed upon. She was EXTREMELY rude to me, and then wh en she called  XXXX    ( the manager ), she was rude to her, lied to her as well, and was harassing on the phone.
<P/>  I understand the need to collect on a debt, but being threatening, rude, and uncooperative does not solve anything.    XXXX   XXXX   XXXX   Acc ounts  Receivable de partment has been extremely nice about it, b ut US Impact has gone above and beyond being cooperative.

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 is not mine
Company: The Receivable Management Services LLC
State: TX

Complaint narrative:
XXXX/XXXX/17 I received a phone call from Receiveable Management Services Corporation ph. # XXXX. They said I owed them {$310.00}. for healthcare premiums. This did n't seem right so I called XXXX and they said I had no unpaid premiums or claims. When I asked where they received my information from they said the XXXX XXXX. I called and they said they do n't give information to debt collectors. They are the center for applications with obamacare. I then called them back and they had my name and address with someone 's social security # affiliated with this fake account. They then hung up and refused to talk to me. They then called me again on XXXX/XXXX/17 and left a message stating a owed a debt.

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 2017-03-31 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: DISCOVER BANK
State: NY

Complaint narrative:
This is  XXXX   XXXX  who borrowed {$30000.00}  from    XXXX   XXXX   on  XXXX , after I borrowed it, I paid {$18000.00}, after that, discover purchased it on  XXXX , then I paid again to discover {$30000.00}.   So, I paid all, but discover said that I have owe {$15000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-16 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: Mitsubishi Motors North America, Inc.
State: PA

Complaint narrative:
Mitsubishi is reporting me late on  XXXX  and  XXXX   2017 but I tr aded this car in and got a new loan with  XXXX   XXXX . This is hurting my credit and am asking for these late payments to be removed.

Company response to consumer: Closed with explanation