vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-07-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Guild Holdings Company
State: AZ

Complaint narrative:
My short sale ( XXXX 2013 ) was reported as a foreclosure to all XXXX credit reporting bureaus, thus further damaging my credit history. After several attempts/requests to Guild Mortgage, they refuse to cooperate.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-12 00:00:00
Product: Debt collection — Auto
Issue: Communication tactics — Frequent or repeated calls
Company: Exeter Finance, LLC.
State: GA

Complaint narrative:
So far this morning they called me at XXXX, XXXX, and XXXX. I am currently at work and unable to answer the call and as I am typing this at XXXX, they are calling again.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-07 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Medical Business Bureau
State: NJ

Complaint narrative:
this bill was to go through my health insurance. I contacted the company MANY times with NO response.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-20 00:00:00
Product: Debt collection — Federal student loan
Issue: False statements or representation — Attempted to collect wrong amount
Company: Progressive Financial Services, Inc.
State: CA

Complaint narrative:
Progressive Financial Services XXXX Inc. and I agreed to the minimal payment of {$5.00} a month on an overly inflated student loan total of {$59000.00}. I work 20 hrs a week at $ XXXX. I pay rent, phone and the IRS. I can barely buy food. I was told that I was eligible for the {$5.00} a month plan. So I faxed them a doc of income, pay stubs and references as they requested only to get a phone call saying that my monthly payments will be {$27.00} a month instead. I told them that 's not what we agreed on and I can only afford our original arrangement and the agent kept trying to " talk '' me into it and threatening to garnish my wages if I do n't pay the {$27.00} a month. I told them no deal and now they are constantly calling me, several times a day, at all hours of the day and never leaving a message. 

I thought that if I offer what I can pay and they accept that, they would finally get off my back and take my loan out of default. Not try to reel me in under false pretenses.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-30 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: ULRS, Inc.
State: CA

Complaint narrative:
Received a letter stating I owed a debt from Credit Collection Bureau. Starting receiving phone calls regarding the same debit from United Legal Group as well. I responded to the debit collection letter from Credit Collection Bureau requesting verification, and cease and desist communication via phone. Both companies did not respond back, the information was then placed on my credit report, and United Legal Group has begun calling. Received call on XXXX/XXXX/16, told them I requested verification and a cease and desist, and the rep " XXXX '' stated I needed to fax it in as well, I requested on the phone again about verification and cease and desist calling me, and she refused stating nothing will change till I fax over the information stating " We received your letter, however you need to fax it as well ''.

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
Consumer complaint received 2016-11-06 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: Franklin Collection Service, Inc.
State: KY

Complaint narrative:
Did not receive a bill. But this should have been sent to my insurance company.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-19 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: Pinnacle Credit Services, LLC
State: NJ

Complaint narrative:
The date of the debt for first delinquency is not correct.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-01 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: U.S. BANCORP
State: MA

Complaint narrative:
The format was not readable for Case number : XXXX, could you resubmit,

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 2015-08-31 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: Pinnacle Credit Services, LLC
State: UT

Complaint narrative:
I found a bill for Pinnacle on my Credit Bureau. I contacted Pinnacle with no response. I disputed with the collection agency, who state they verified the debt. I then contacted the original creditor with all of the information on my credit bureau report and was told that they do not have any information on me! A debt validation letter was sent on XXXX/XXXX/2015 with no response as of today, it has been XXXX days with no response and it is STILL on my report!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-17 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Pinnacle Credit Services, LLC
State: FL

Complaint narrative:
I have asked Pinnacle Credit Service to validate a collection they are reporting on my credit reports on XXXX/XXXX/16, XXXX/XXXX/16 and they have failed to provide anything that would support the fact that they are attempting to collect on a debt without an agreement or contract. Nor have they supplied anything other than a statement on XXXX of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-13 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: Pinnacle Credit Services, LLC
State: TX

Complaint narrative:
My name is XXXX XXXX. My account number with Pinnacle Credit services shows XXXX - I was told the actual account number is XXXX. 

XX/XX/XXXX, I spoke with " XXXX '' from XXXX XXXX regarding my outstanding XXXX account. " XXXX '' told me that if I paid the debt, he would remove it from my reports with the XXXX credit agencies. 

I checked my credit report for the first time yesterday, after having a permanent freeze due to fraud. 

Pinnacle Credit Services, XXXX XXXX XXXX, XXXX, MN XXXX, phone number ( XXXX ) XXXX shows up on my credit reports. 

I called Pinnacle Credit Services regarding the paid debt and spoke with XXXX two times. XXXX referred me to XXXX XXXX XXXX. 

I called XXXX XXXX XXXX and spoke with " XXXX '', whom misrepresented himself XXXX times. His real name is XXXX XXXX on XX/XX/XXXX. " XXXX '' told me he would email Pinnacle Credit Services and request the phone recording from XXXX XXXX, then promptly and rudely hung up on me. I called " XXXX '' back a second time and requested to speak with a supervisor. 

I spoke with XXXX XXXX, representing himself as a supervisor. He corrected me and told me I had spoken with XXXX XXXX and said " His name is not XXXX, it is XXXX. people get that confused all of the time. " No one attempted to correct the situation and all involved were extremely short and rude. The employees at all of the collection agencies involved in this case misrepresent themselves. 

I was promised that this would be removed from my file when I paid XXXX XXXX XX/XX/XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-15 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: Comerica
State: IL

Complaint narrative:
have fraudulant charges on my card ... .did report it on XXXX/XXXX/2015. 
XXXX/XXXX/2015 they gave us a conditional credit of $ XXXX..but..on same day they took it away ... we filed XXXX-trackers as of today XXXX/XXXX/2015 we have gotten no explanantion. 
on XXXX/XXXX/2015 letter it states that they took {$190.00} back ... but ... around XXXX/XXXX/2015 they took another {$190.00} off of account..operator confirmed that she had never saw that done..but again no answer. filed another tracker plus said it shows still pending. on XXXX/XXXX/2015 talked to another operator which stated this company has hit our account hard and again..cancelled card again..they never stopped these fraud charges ... .so far direct express was suppose to give answer within 90 days..which was XXXX 2015 and has not. so far they have taken $ XXXXx2 plus over XXXX in fraudulant charges from XXXX, just now got that info waiting for verification letters tyo come in mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-01 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Franklin Collection Service, Inc.
State: MS

Complaint narrative:
This debt was paid and was supposed to be taken off of my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-20 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Pinnacle Credit Services, LLC
State: NE

Complaint narrative:
Pinnacle is false reporting saying that they are a financial corporation and that I have a loan with them ... .they are actually a collection agency and it 's a collection for XXXX XXXX. I have disputed this many of times with the bureaus and they verify as accurate ....

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-30 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: U.S. BANCORP
State: NV

Complaint narrative:
This morning, Saturday, XXXX XXXX, 2015, I called customer service at ( XXXX ) XXXX and learned that U.S. Bank 's policy is to opt customers into overdraft protection by default ; customers are expected to explicitly opt out. Interestingly, during the automated review of the status of my account, which I completed just before speaking to the U.S. Bank representative, the teleprompt indicated that I did not have overdraft protection on my account. I mentioned to the U.S. Bank customer service representative that I did not recall this being pointed out to me during the account onboarding process. The representative 's response was that I should contact the member who opened my account or the branch manager. I asked the representative to remove the unwanted overdraft protection, and after trying to discourage me, he finally removed the overdraft protection, at least that is what was indicated to me. I was advised that it would take 2 business days to remove the overdraft protection. Additionally, my request for a courtesy credit of the fees incurred to date, of which there is a total of {$340.00}, was denied.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-24 00:00:00
Product: Credit card — 
Issue: Balance transfer — 
Company: U.S. BANCORP
State: CA

Complaint narrative:
I applied for a zero percent balance transfer and the company changed the rate in one week

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 2015-10-31 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: U.S. BANCORP
State: IL

Complaint narrative:
on or about XXXX/XXXX/2015, i requested that u s bank send me a modification package. 
owr, which I did not receive within 5 days the notification of receiving.nor a respone to my request

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-03-24 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Taking out the loan or lease — 
Company: U.S. BANCORP
State: MI

Complaint narrative:
I no longer need my lease vehicle from US Bank and besides the fact that I have already found a person to transfer the lease to, I 'm having the hardest time to get the necessary paperwork from them to complete the process. They 've told me they would be sending the paperwork by mail or fax but weeks have passed and never received anything. At this point I just assume that they want to discourage me on doing this, and in fact they probably prefer that I terminate the lease so they can hit me with absurd fees as they commonly do with so many other costumers in the same situation. I 'll never use this institution or any dealer that offers their service again.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-07 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Attempted to/Collected exempt funds
Company: U.S. BANCORP
State: OR

Complaint narrative:
I was harassed repeatedly by this debt collector, even after I 'd formally requested contact to cease ( was considering bankruptcy ). I reconsidered and enrolled in college to allocate upward mobility and eventually alleviate my debts. A questionably documented suit ( for which I was never served papers ) against me was filed in XXXX but no action was taken ( obviously ) until seven days ago ( MORE than three years afterward ). " Judgement '' was awarded in favor of the debt collector and my bank XXXX XXXX XXXX XXXX Bank ) allowed my ENTIRE account balance-holding my livelihood to be seized. I had contacted the collector the same day my account was frozen and informed them the entire contents of my account was from Federal Student Aid and Federal Work Study, the debt collector/attorney response was obvious irritation at his lack of legal grounds. His responses were then short, informing me to contact my own attorney before the seizure commenced. He implied there would be no action from his firm to stop the what was already set in motion. I received the certified letter of garnishment two days AFTER my account was frozen. I JUST TODAY at the end of my " grace period '' received my bank 's process of the paperwork ( which contains no state seals whatsoever ) and their decision in the matter. Currently, I am in the middle XXXX and the time limit given to me for my resolution of the issue was impossible for my success. The process of allocating legal assistance as well as frantic damage control from the impending financial ruin ( homelessness, loss of continued education, ETC. ) that seizing my entire account 's contents has caused, unfortunately has exceeded the timeframe of a week. PLEASE keep in mind the process began midweek and those seven days included XXXX weekend and this past weekend-I literally had two business days. I am NOW currently unable to feed myself, purchase the means to continue my education, and facing eviction because my account 's balance, which has ( since XXXX ) 100 % federally funded ( XXXX XXXX XXXX Bank ) account is now negative. Federal student aid and Statewide grants are EXEMPTED from garnishment! I have US federal government issued documents and statements, XXXX XXXX XXXX Bank monthly statements, financial award letters, countless emails, and numerous documents ( including but certainly not limited to the IRS, XXXX accredited educational institutions ( A prominent XXXX college and the state university ), ETC. proving the validity of my statements of this illegal seizure. My rights and welfare has been grossly violated with this POORLY handled affair.

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 2015-06-26 00:00:00
Product: Debt collection — Payday loan
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: D. SCOTT CARRUTHERS
State: CA

Complaint narrative:
Left multiple message at my place of employment with receptionist and my boss stating they are the District Attorneys office and they are looking for me regarding a case against me. They have left this message after leaving messages on my cell phone and after speaking with me and not accepting my payment offer.

Company response to consumer: Closed
Consumer complaint received 2016-09-28 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: U.S. BANCORP
State: UT

Complaint narrative:
I paid off my mortgage with US Bank on XXXX/XXXX/2016. I was tolt that it would be a few weeks before an escrow refund would be processed. After not receiving the refund I called US bank on XXXX/XXXX/2016. They informed me that the refund was processed on XXXX/XXXX/2016 and that I should wait a bit longer for the check. I called back a week later and again informed them that my check had not been received. This time they informed me that they could not issue another check until after 30 days and that if they did, I would have to pay a fee to have them reissue the fee. It was my responsibility since they " mailed the check to the right address. '' This is an unfair practice since every mortgage payment that is mailed to them is the responsibility of the customer until they receive the money. If I mail them a check that " gets lost in the mail '' I not only have to pay the stop payment fee but I would also incur a late fee on the mortgage. The bank should be held to the same standard of responsibility that they hold the customer to. I have informed the bank that I do not have the check and they have an opportunity to stop payment to avoid fraud. I expect that if someone else were to intercept the check and cash it fraudulently I would be out the money or, at least, bear the sole burden of proof that it was n't me. This is also inappropriate given that I already notified them of failure to deliver within a reasonable timeframe.

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 2015-07-01 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: U.S. BANCORP
State: NC

Complaint narrative:
I paid off a mortgage loan from US bank and they are holding the overpayment as wells as the escrow account balances for upto XXXX days. There is no reason for them to be able hold onto my funds, as they were paid in full from the new lender. This process of waiting to provide borrowers with their money and overpayments is unfair and uncessesary. I demand that these should be remitted within XXXX business days of the loan paying in full.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-04 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: U.S. BANCORP
State: GA

Complaint narrative:
my name is XXXX XXXX i live at XXXX XXXX XXXX XXXX ga phone XXXX i had an agreement to pay XXXX XXXX a month but overpaid them because im on a budget and wanted get caught up knowing i would not have all the money next month but they stated the remainder went to the balance yet it was not in the agreement and they allowed payment knowing this and mislead me. i cant pay XXXX this month which they are asking and they refused to take the difference.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-30 00:00:00
Product: Bank account or service — Cashing a check without an account
Issue: Using a debit or ATM card — 
Company: U.S. BANCORP
State: WI

Complaint narrative:
bank accounts are tampered.

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 2016-10-04 00:00:00
Product: Credit card — 
Issue: Transaction issue — 
Company: U.S. BANCORP
State: GA

Complaint narrative:
I have recently come to the conclusion that I have been victimized by the work from home online business scam and I would like assistance disputing the charges paid to these fraudulent companies.I am requesting all transactions with a company by the name of XXXX appearing on my bank statement as XXXX XXXX be disputed as the services purchased were not provided to me as described.I paid them in XX/XX/XXXX2015 after they contacted me by an unsolicited telemarketing phone call. I have allowed more than enough time to pass and at this point I have come to the realization that they took advantage 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 non-monetary relief
Consumer complaint received 2015-11-06 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I bank with Capital One 360. I reported bank fraud XX/XX/XXXX for something that happened XX/XX/XXXX It was still pending and the bank said they could not do anything until it went through. On the next day I did the dispute. They will not refund the money until after the investigation and they get more information proving that I did not authorize the transaction. It could take some 90 days. I have to provide proof of fraud. I do not understand how a bank that is FDIC insured is making we wait to receive my money back. The day I reported the fraud should have counted as day one no matter what. Banks refund customers and not wait until a full investigation that could take 90 days to complete and 2 days to tell you they are investigating.

Company response to consumer: Closed with explanation