vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-12-26 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL

Complaint narrative:
ACCOUNT RESOLUTION SERVICES ACCOUNT NUMBERs : XXXX and XXXX XX/XX/2016 XXXX, XXXX, FL XXXX XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you ACCOUNT RESOLUTION SERVICES or any company associate with this account # XXXX and XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to XXXX of XXXX. It explains your responsibilities under the Fair Credit Reporting Act XXXX FCRA XXXX. The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : ACCOUNT RESOLUTION SERVICES or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX SOC SEC # XXXX XXXX XXXX ADDRESS XXXX, XXXX, FL 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 2016-03-21 00:00:00
Product: Debt collection — Medical
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: KINGS CREDIT SERVICES
State: CA

Complaint narrative:
Kings Credit Services send a collection latters to my soon to be ex husband with his name using false pretense. my ex calls the company to dispute the charges they gave him out all my info and continued to call him everyday threaten him by telling him they will mark he 's credit if he does n't pay my medial bill. ..ex calls me and says will sew me if company marks his credit and continues to call him. I call company and requested they only call me they refuse to do so. I explain the only reason I stop making payments was because I lost my job and told them im not refusing to speek with them I tried to negotiate and settle the account and they refuse to they said they can only take full amount no payment options. ..

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-12 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: BBVA FINANCIAL CORPORATION
State: MN

Complaint narrative:
BBVA Compass XXXX XXXX XXXX XXXX XXXX XXXX Card and its special XXXX Rewards feature during XXXX Finals ( cardholders can get up to XXXX the points for purchases made during the Finals ) has led BBVA to suspend purchasing on my and numerous other consumers credit cards due to " security concerns '' when BBVA fully well knows people are trying to use their credit cards to cash in a bank promotion that the Bank is not fulfulling. I have tried contacting BBVA about this issue by email, phone, XXXX and XXXX. I have not gotten any answer other than that someone will call be back. As this is a time sensitive promotion, I need specifics or I will consider this fraud by deceptive advertising.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-27 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: U.S. BANCORP
State: FL

Complaint narrative:
this is such a long story, but I will try and make it brief. I have a credit card from US Bank. It ha a large balance, but I always make my payments. After my divorce settlement was finished, I called US Bank, made it so the account could not be used, and started making payments. On the card they show you XXXX options, XXXX is the minimum payment which takes 20 years to pay off, the next options is a large payment that takes only 3 years to pay off. I took the 3 year plan and for the past year I have made my payment on time and in some case XXXX payments a month. Recently I received a letter from US bank. It said that they looked at my account and determined they needed to raise my interest rate to 24 % I was astounded, why I asked myself, this was unfair, and unwarranted. I called, spoke to several people in different departments. They all said the same thing, there was nothing they could do. I lived in NY for a long time, we would call this kind of practice Loan Sharking. I do n't know how they get away with it.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-18 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
Chase is discriminatory in their lending practice. It is very distasteful that they treat United States XXXX XXXX Veteran Service Members in this matter for property purchased while on XXXX XXXX. 

For over 6 months I have tried to process an assumption loan. Chase mortgage denied my assumption package although I qualified for all of the requirements of XXXX. 

I provided Chase with every piece of information requested and the criteria for information changed or contradicted their preceding request for information. This will be my 5th complaint on the matter. 

My denial stated I had insufficient funds. ( XXXX XXXX ) After an inquiry back to Chase in XXXX XXXX thru the CFPB. I was told that the new reason my file was denied was because my documentation was too old and I did have sufficient assets. 

The recent bank statements that were provide ended the period XXXX XXXX and were submitted to Chase on XXXX XXXX XXXX. I can not provide a XXXX bank statement if the month had not ended. Furthermore, all of the reserve requirements were met at my initial application in XXXX XXXX when 1 year of bank statements, IRA, and investment account balances were presented. The additional bank statements requested and provided on XXXX XXXX were of the same account or greater when provided in XXXX XXXX. 

Chase held onto my documentation for over six months and then told me what I provided was inadequate, even with providing documentation for the prior month. 

All of the calls at Chase are recorded, so you can hear what instructions were given to me. I have spoken to the same representative from Chase, XXXX XXXX, where he told me what to provide. The final piece of proof I was told to provide additional proof of funds. And I did that. 

Now the reason for my denial has changed from insufficient assets to inadequate documents. I do n't understand how the same documents that demonstrated adequacy of funds are now not adequate.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-07 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: BBVA FINANCIAL CORPORATION
State: TX

Complaint narrative:
Regarding dispute # XXXX I will continue filing complaints until the institution responds as to why this claim is being denied pursuant to the Electronic Funds Transfer Act ( issue stated below ) : " Liability for Unauthorized use of ATM and Debit Cards If you have lost your ATM or debit card, or if it has been stolen, it is very important to notify your bank as soon as possible. By doing so, you will minimize the amount of liability you will have for any unauthorized use of these cards. In the case of ATM and debit cards, the Electronic Fund Transfer Act sets forth the rules. Under the EFTA, your liability for lost or stolen ATM or debit cards is : {$0.00} if you are able to report your lost or stolen ATM or debit card immediately and before the card has been used ; {$50.00} or less, depending upon the amount that has been used, if you report your card lost or stolen within two business days ; {$500.00} or less, depending upon the amount that has been used, if you do not report your card lost or stolen within two business days, but you do report it within 60 days after your bank statement is issued that shows the unauthorized use ; or Any amount if you fail to notify the bank of your lost or stolen card within 60 days after your bank statement is used that shows the unauthorized use. 
If your bank or financial institution claims that you are liable for unauthorized charges or withdrawals that exceed {$50.00}, it must be able to show that the additional loss ( past {$50.00} ) would not have occurred if you had given timely notice of the missing card. '' Conflicting prior responses regarding submission of additional requested documentation in the form of a police report are not relevant to the EFTA requirements. Institution stated claim would remain open upon submission of report. Report was submitted to institution. Institution then stated report was not submitted in time. Institution is now on record as denying claim based upon internal procedures and not EFTA legal reporting requirements.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-14 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: U.S. BANCORP
State: SD

Complaint narrative:
On XXXX/XXXX/2017, XXXX XXXX of XXXX ( VENDOR ) XXXX XXXX XXXX XXXX or XXXX XXXX ) XXXX issued a credit card credit to my XXXX Mastercard account using credit card processor : Elavon Inc. XXXX XXXX XXXX, XXXX XXXX XXXX GA XXXX USA https : //www.elavon.comXXXX I believe that Elavon Inc. is holding these funds for an unreasonable period of time in order to earn interest on them and profit from them while denying access to them to me. 
I also believe that if this practice is taking place with all transactions it handles, that the profit generated and the corresponding damages suffered by the affected public must be substantial. I believe this practice is illegal or, at least, immoral and is without any business justification. 
I also believe that Elavon misrepresented the disposition of the funds in question when they explained how funds from credits are handled in my phone call with them today. ( below ). 
Elavon : " The funds involved are immediately sent to the Federal Reserve and that the receiving bank must claim these funds from the Federal Reserve '' I have no issue with the vendor or with my own credit card issuing company, Attached is the running dialog with the vendor, XXXX regarding the issuance of a credit to my credit card account in the amount of {$83.00} on XXXX/XXXX/2017.

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 2016-09-19 00:00:00
Product: Bank account or service — (CD) Certificate of deposit
Issue: Account opening, closing, or management — 
Company: BBVA FINANCIAL CORPORATION
State: TX

Complaint narrative:
I DEPOSITED {$240000.00} with Compass Bank XXXX XXXX Texas with the unders derstanding the it would be used for a money market. when I asked to have it transferred to a checking account I was told that I would have to pay a charge of of {$6800.00} as a penalty. I have tried to negotiate a settlement ( Forget the interest but all I got was a blank stare. ( you knew what you were signing. ) I am soon to be be XXXX XXXX. What would I want with a 10 year bank CD. I was offered a new deal for three years at ( supposedly ) 10 % It was to be a XXXX bank deal but was told that the XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ) said that for 3 years with a cap on earnings that only XXXX of XXXX show a posting of more 0 %. 
than 1 % per annum XXXX XXXX. CANCEL all & give me my money back .. It is {$240000.00} which I want my family to inherit. I am not asking for interest although I suppose that I am I am entitled to it. But do not charge me {$6800.00} This was presented to me on two sheets of small print, the first which was fold ed over so that I could not see it and the second which needed my signature. 
I had a witness with me who can confirm this Product Information Bank is Compass bank, a worldwide Spanish Company at XXXX, XXXX Texas XXXX The local telephone number is XXXX XXXX XXXX The Manager is XXXX XXXX The Headquarters is in XXXX, Alabama and Telephone XXXX XXXX. 


My name is XXXX XXXX, of XXXX, XXXX TX XXXX Email XXXXXXXXXXXX Telephone XXXX XXXX XXXX or XXXX XXXX XXXX ( cell ) Review, I was sold what I thought was a money market fund and when I objected the bank said the only way out was to pay {$6800.00}. At almost XXXX XXXX a ten year note paying XXXX XXXX percent is ridiculous, no-one wants that. 

Hope that you can help me before my XXXX beats me to it. Thanks

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-06-28 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LoanCare, LLC
State: CA

Complaint narrative:
Loancare, my mortgage servicing company failed to pay my supplemental property taxes even though we have an escrow account for property taxes. They did n't pay on time accruing late fees. They failed to inform us that they do n't cover supplemental property taxes thus leaving us to believe they were being paid. Then when I called to find out what was going on I found they paid the first installment late but not the second. So they pay them sometimes only when they want to? I could n't get a straight answer and they were really rude on the phone.They lied stating we were told about the supplemental not being paid however that proved to be false as well. I also have another complaint about XXXX XXXX mortgage co. who our loan is actually through, I think. By the way do n't get me started on knowing the difference between a loan servicing company and our actual lender. Anyway XXXX set us up for a second mortgage fixed rate only to find out after the fact it was home equity line of credit with no fixed rate!!! These mortgage companies are still doing shady things and getting away with it with no accountability. I have several friends who have similar stories of shady financial dealings with lenders. Since all of this we are refinancing with a much more straight forward company ; XXXX XXXX XXXX XXXX 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 2016-07-12 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: CA

Complaint narrative:
Good day! 
I received a modification with Carrington Mortgage. It was confusing because first i was denied then I received one, then I was trying to make the payment on XXXX XXXX and I called the number on the modification and I was not able to make it. We called Carrington and spoke with XXXX in foreclosure department and he advised that someone would call me. I never received a call. I kept calling the bank to no avail. We called again today and finally spoke with XXXX in the Home Retention Department and I was advised that I had to reapply. I offered to make both the XX/XX/XXXX payment and the XX/XX/XXXX payment, but she said she could not take my payments. This has been a very stressful situation and I am at my wits end. Now XXXX advised that I have until Thursday XX/XX/XXXX to submit ALL of the documentation all over again. Please assist me in not losing my home, as I waited over 5 years to finally receive one and when I was going to pay they are not taking my payments. Another thing that they did, is that we kept having people trespass onto our property because all along they had the property on Auction.com while we were in the modification status, so how can we believe that even making the payment the house would not have been foreclosed, seems they have been dual tracking all along. The people stated that we were going to auction because we were losing our home! Can you imagine how one feels when we are trying to make payments and we hear this? We need your assistance in this matter. Thank you in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LoanCare, LLC
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX . 
XXXX XXXX, CA XXXX. 
Tel : XXXX Email : XXXXXXXXXXXX XXXX/XXXX/XXXX XXXX XXXX, Loan Care, XXXX XXXX, XXXX XXXX, VA XXXX XXXX : CFPB Case Number : XXXX Further to my letter XXXX/XXXX/XXXX for the above captioned. I am angry to learn that you continue to mess up my account in sending out erroneous information. 
You should have noticed that there were XXXX letters sent to the addressee from the same office, XXXX dated XXXX/XXXX/XXXX, indicated that the monthly payment was 30 days past due ( Exhibit XXXX ), while the other XXXX from the same office of the same date, indicated that monthly payment date was two months pass due ( Exhibit XXXX ). Your letters failed to indicate which monthly payment was 30 or 60 days past due. Apparently, the left hand does n't know what the right hand was doing. You had been informed of the mess-up at least XXXX times, previously by letters, and all were informed via the courtesy of CFPB, yet your office did not improve a bit towards the servicing of your customer. It is evident that there is serious break-down within your office communication ... ... ..

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-16 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: NCC Business Services, Inc.
State: FL

Complaint narrative:
The debt was owed ( {$930.00} ) was paid to NCC. I do n't owe the amount of {$2200.00}. Attached is the documentation to prove it.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-08 00:00:00
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: BBVA FINANCIAL CORPORATION
State: TX

Complaint narrative:
In early XXXX 2015, I entered Compass Bank to do business. The counter agent solicited business. I was redirected to XXXX XXXX, XXXX Representative. XXXX XXXX attempted to increase my home equity line of credit ( HELOC ). In doing so, she opened both a checking account and credit card account. I strongly protested to both immediately. She advised that the checking account was a requirement of all " new '' HELOCs, which is what would occur if my limit is increased. I was not aware that the credit card account was not closed until I received a statement a few weeks later. 

In the meantime, I did not want to go through the changes the bank required to increase my HELOC. On XXXX XXXX, I advised XXXX XXXX I was no longer interested. At the same time, I instructed her to close the checking account ( and any other accounts ) opened in relation to this HELOC application. When I received statements, banking and credit, I realized that nothing had been done. I reached-out to XXXX XXXX on a couple of occasions with no luck. When I sent her an email inquiring about her availability to assist, she established contact. Unfortunately, she failed to follow through. She did not close either account and I have called customer service to do so. Today, a week later I find out that the checking account can not be closed via phone unless it is at a XXXX balance ( sounds crazy to me ). Last week, they told me that my balance would be returned less a service charge. I was unhappy to hear that I have to pay to close an account I never wanted. When I was advised that I HAD to open a checking account, the minimum amount required to open was {$25.00}. I have already lost {$3.00} due to the monthly service charge. 

We are over 60 days and I can not get this checking account closed, just confirmed credit card account closed XXXX XXXX per my request yet I can not get this checking account closed. I have spent a considerable amount of time with Compass Bank. This reminds me of a time, not long ago, when you entered a mobile phone company 's establishment to browse and would leave to realize later that your mobile provider had been changed. The term used then was " slamming. '' Even electric companies practice slamming. I feel like I have been slammed by Compass.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-09-13 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: HCFS Healthcare Financial Services of TeamHealth
State: NJ

Complaint narrative:
Account Resolution Services ( ARS ), used communication tactics in the beginning by blocking my number, blocking me from online access to a debt that I tried to research, when asked of them to verify my debt. Also they tried to get me to identify myself over the phone without giving me the opportunity of verifying their company. I wrote them a DEBT VALIDATION LETTER, and they did not validate my debt through the original debtor and mailing me that information so they violated Section 809 Validation of Debts [ 15 USC 1692g ] Chain letter by dates are attached with mailed signed receipts.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation