vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-04-10 00:00:00
Product: Debt collection — Auto
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: HONOR FINANCE, LLC
State: IL

Complaint narrative:
i made my car note payment on the XXXX of XXXX about the XXXX of XXXX I along with the Account holder started getting calls about the payment we were told that the payment was decline, I explained that the transaction was ran twice approved the first time and declined the second time I was asked to fax my bank statement to there office I did that, a few days later more calls came in again I explained my situation about the payment ( this is a different person ) I was told that the fax was not able to locate it and ask to fax it again I not only fax it I hand delivered a copy to the XXXX office, again a few days later more calls came in this time I 'm talking to XXXX I was told by here that I have been very uncooperative! now she 's asking to speak with my bank because I do n't know what I 'm talking about and get off the phone! so I ask XXXX who would you like to speak to from the bank im standing in the bank now? mind you I 'm standing in the tellers window with the teller and Bank manager so I ask again " XXXX who would you like to speak to from the bank I 'm in the window now? she stated " get me someone that knows what there talking about! I ask who XXXX would you like to speak to she either hung up on me or just refuse to talk I kept saying hello XXXX 5 times she never replied so I hung up and called back, then she started shouting I hung up on her, by now the Bank manager suggested that XXXX call her direct? XXXX stated she could n't call the bank and the manager of the store said she could n't talk on my phone, so I ask XXXX what do you want me to do you cant call and she cant get on my phone? at this point XXXX decided she would call the Bank which is illegal, after XXXX spoke with the Bank Manager about my account she ask to talk back to me when I get on the phone now XXXX is asking for my Credit card information Card number expiration date and security code which is totally unethical. then I spoke with several other peoples from Honor Finance and no one could find or figure out what happen to the payment, after I gave all my CC info I was told by XXXX she would call me and the bank to inform us on the status of the issue this was on or about the XXXX 2017, after speaking with XXXX a few days later I got a call form a manager XXXX? I explained to him the situation he began to laugh! I ask was it funny he stated he 's not laughing at me but at what I 'm going thought so it let me know that the treatment I 'm getting is really a practices no one took the time to find the payment but everyday I was receiving calls about the payment from at least XXXX different employees of Honor Finance.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-13 00:00:00
Product: Money transfers — International money transfer
Issue: Money was not available when promised — 
Company: Veem  Inc.
State: CA

Complaint narrative:
I sent USD {$11000.00} to someone in XXXX on XXXX XXXX. It is now XXXX XXXX and it still has not been received. The company keeps coming up with new excuses.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-11 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: Netspend Corporation
State: AZ

Complaint narrative:
I just received an unsolicited debit card from netSpend encouraging me to sign up to have my paycheck deposited with them. The card is real and way to easy to activate. Seems very deceptive and comes with lots of fees.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-28 00:00:00
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
XXXX, XXXX Repeatedly calling friends, family and business after requested not to.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-11 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: DISCOVER BANK
State: WI

Complaint narrative:
My Aunt passed away on XX/XX/2016 we had a joint credit card with Discover Card. For months I have been trying to cancel the card, the bill and get a check from Discover Card for the {$32.00} credit balance. Despite my mnthly calls I can not get them to take corrective action

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-13 00:00:00
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: TOWER MORTGAGE CORPORATION
State: MI

Complaint narrative:
I have been searching for a physician loan, and talking with a number of lenders.   XXXX   drew us in with a preapproval, but when it came to giving us a loan estimate, they refused to give it in the proper form, and quoted us rates that were significantly higher than the market, with fee estimates greater than {$10000.00} above what anyone else was quoting. It was obvious they were attempting to gouge us.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-11 00:00:00
Product: Credit card — 
Issue: Application processing delay — 
Company: AMERICAN EXPRESS COMPANY
State: DE

Complaint narrative:
I am completely XXXX off with American Express.Their XXXX everyday card is supposed to be good but the way they handle their customers is horrible.I have been almost harrased by them.I recently moved in from XXXX to XXXX and changed my address on all my bank accounts and then applied for the card with American Express.I applied on XX/XX/XXXX.After 15 days because there was no reply i followed up with them.They said your address doesnt match and hence send us a signed bank letterhead.They wasted 15 days here and didnt care to even tell me if it wasnt for me to call them.Next thing i got it from my bank and immediately faxed them twice just to be on the safe side.After following up with them for 10 continuous days ( I am not even exxagerating ) and speaking to countless agents and their managers still i get the reply that they havent received it.So now i mailed it to them via USPS and it has been delivered on XXXX I called in today on XX/XX/XXXX and still they say the same thing.Nothing has been received. I have been literally mentally harrassed, tortured by calling them daily and speaking to some really rude agents who make fake promises of call back.I dont want anyone else to go through this trauma.I am definitely not going to receommend AMEX to anyone and even if my card comes through do you really think i will use it, i will promptly send it back.I asked them that i have waited for 40 days, i want a credit reversal on this, for that also they arent agreeing.You can check their call logs which were recorded for quality and training.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Panhandle-Plains Student Finance Corporation
State: LA

Complaint narrative:
Contract was cancelled " No Contract '' balance transferred and past the  Rep  orting and Statute  of  Limitation time frame.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-19 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: Servatus Corporation
State: OH

Complaint narrative:
I have a a unverified account from XXXX. I had previously disputed this account. I have never done business with XXXX. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that XXXX Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that XXXX Cease and Desist all further communications and collection actives and provide the verification of the purported debt.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-29 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Rubin & Debski, P.A.
State: VA

Complaint narrative:
In XXXX XXXX, I reviewed my credit report via XXXX after being denied credit to refinance my house. I was advised that I had XXXX civil judgments on my credit report. Both civil judgments occurred in XXXX XXXX, Fl. I pulled the docket numbers ( XXXX and XXXX ) from XXXX XXXX Circuit Court. The defendant in both cases is XXXX XXXX XXXX, XXXX XXXX XXXX, FL with a date of birth of XXXX/XXXX/XXXX, SSN : XXXX. Debski Associates was the plaintiff for XXXX and XXXX was the plaintiff for XXXX. My name is XXXX XXXX XXXX, XXXX/XXXX/XXXX, Last 4 SSN : XXXX. I notified both plaintiffs on XXXX XXXX XXXX that XXXX XXXX collection and derogatory information ( attached documents ) was placed on my credit report erroneously and I wanted it removed expeditiously. Four months later it was removed from all XXXX credit reports after my credit score dropped, my credit agencies closed my accounts or reduced my credit limit. This also affected my security clearance for Department of Defense. 
In XXXX XXXX, I received a letter from a credit card ( XXXX Bank ) stating that my credit limit was being reduced on credit card due to serious delinquency and collections. I pulled my XXXX credit report and the previous collections ( XXXX and XXXX ) from XXXX XXXX Circuit Court were placed back on my credit report, to include additional delinquent credit card and mortgage accounts. At this time, I have been refused credit as well as the ability to lease a house. My credit score has dropped over XXXX points and once again my security clearance is in jeopardy. I contact the XXXX Credit Agencies and pointed out the disputes on the reports reference to XXXX XXXX XXXX. However, all agreed to look into the disputes but none was able to explain why this issue occurred again. XXXX actually told me to contact XXXX XXXX XXXX and have her fix her credit issues. I attempted to make contact with Debski Associates and XXXX to get this issue resolved ; however, neither company would address the issue and told me to contact the Credit Agencies. I 'm prepared to provide copies of my XXXX and XXXX XXXX credit report, the dockets, and letters to the XXXX plaintiffs.

Company response to consumer: Untimely response
Consumer complaint received 2017-03-28 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: JUMBO LOAN EXPERTS LLC
State: AZ

Complaint narrative:
Hi, I was working with XXXX XXXX from JumboLoanExperts and he pulled my credit to give me a prequalification letter. He wanted me to wok with particualr agent of his choosing and if not he says he will not give me a prequal letter as required per law. I am deeply dissatisfied with his business etiquette,. It was utterly unprofessional and not fair towards me. 

Please take an appropriate action towards this lender/broker. 

Thanks!

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-15 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: St.John Cobb Inc
State: NC

Complaint narrative:
Never received bill for these services which should have been paid by my insurance. I wasn't aware of this bill until I pulled my credit report 7 months ago and saw this was in collections, negatively effecting my credit

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-22 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Settlement process and costs — 
Company: SECURITY NATIONAL TITLE AND ESCROW, LLC
State: FL

Complaint narrative:
I went to closing for the selling of my house to   XXXX   XXXX   and his wife,  XXXX , on  XX/XX/XXXX , at Security National Title & Escrow, LLC.
They owed me {$4100.00} from their rental time of this house. I refused to close unless I received this sum first. He was not present.  XXXX  represented him by POA. She vehemently agreed that they owed this sum.
She received a text showing that the wire had been sent to the title com company. The closer,   XXXX   XXXX  , verified everything and guaranteed to to me that her company would send this sum to me as soon as it was received.
Closing continued with signing of all papers, which included a statement : "   XXXX   property tax reimbursement from buyer to seller will be handled outside of transaction. '' This is the sum of {$4100.00}. I called   XXXX   XXXX  , Title company employee, the next day, and she told me that this money would be transferred to me as soon as it was received. Two days later,   XXXX   XXXX  , another title company employee, told me that they had returned the money to the buyer, and stuttered. Later he said that they could not send money that was not on the Closing Disclosure. He himself had already added this sum to the second Closing Disclosure the Friday before closing. At closing, I was told that RP funding had requested this sum not be on the CD and that it would be paid directly to me. Ok, now no one is paying this sum nor answering my calls. This seems like an act of collusion and fraud. Also, Like magic, I am told that the actual closer no longer works at SN Title as of the day after the money apparently was sent back to the buyer. The whole deal smells very badly as before closing, both RP funding, and A rep of the SN Title said that the buyer should not owe that to me. I told them that normal does not matter. The  XXXX  and I agreed to their paying me that sum as part of their renting my house.
Please help honesty prevail.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-05 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: TRANSWORLD SYSTEMS INC
State: FL

Complaint narrative:
My private student loans were originally through  XXXX   XXXX , which were sold  to   XXXX   XXXX   XXXX   , LLC .  I made arrangements to have payments auto-drafted from my account and up until  XXXX     2017, th ey were regularly paid. As of  XXXX , they have stopped taking my payment. When I went online to see why, I could not view any information on my account. When I called to inquire about this matter, they told me that I am " locked '' out of my account due to my accounts being in a charge-off status. The representative told me that my payment expired a year ago, so I have n't been paying enough each month. I have had absolutel y zero  correspondence with them about this. They informed me that I have  XXXX  additional accounts ( that I was completely unaware of ) that are in charge-off status also. These accounts never showed up on my online account and was never mentioned in prior discussions. I asked them to please tell me what I owe, because this is the first time I am hearing about these other " accounts ''. They told me that I would need to pay a fee of {$100.00} for each account to " unlock '' them and find out how much I owe. I have been dealing with all kinds of fraud surrounding my student loans after attending  XXXX  University and I am not sure how to handle this situation. They will not tell me anything about my account unless I give them {$300.00} and I feel that it is my right to know how much money I owe. Please help me resolve this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-01 00:00:00
Product: Other financial service — Debt settlement
Issue: Fraud or scam — 
Company: DOAN SOLUTIONS
State: NY

Complaint narrative:
On  XXXX   XXXX , I received an e-mail at my workplace,  XXXX    XXXX   XXXX   XXXX   XXXX   at  XXXX    XXXX   XXXX  , regarding my Student Loan from the Information at  XXXX   XXXX   XXXX .     The e-mail falsely states that  XXXX  is excited to inform employees like me that we  may be eligible for the Public Service Forgiveness Program.  Si nce 1998 I ha ve been paying off a student loan, which has increased twice fold, I was a bit eager to find out how I can apply for such program.     When I called :  XXXX  it directed me to  XXXX  at Doan Solutions.  XXXX  informed me that I would have to reconsolidate my loans for a {$790.00}. fee. I gave her my social security number and my password to give her access to peruse my loan debt at th e National Student Loan Federal Aid we bsite.     She then proceeded to tell me that she would have to charge me {$790.00}. to reconsolidate my loans. I told her that I would have to do a little bit more research before I agree to pay such fee.     I called t he Student Aid Ombu dsman  XXXX  and  XXXX  told me that the process of reconsolidating loans should be free. She then gave me a case number and instructed me to alert the Consumer Financial Protection Bureau.     I am also concerned with identity theft, which I have to alert the Federal Trade Commission.     I hope this issue is resolved and that my colleagues and anyone else are protected from such scam.     Please read the e-mail below : To :  XXXX   XXXX  ; If you are a university employee still burdened with student debt,  XXXX  is excited to inform you about t he Public Service Forgiveness Program.  The program is designed to help eligible personnel eliminate their student debt in ten years, while remaining in their current career. Participating can cut your principal in half, and after ten years, any balance left is forgiven.     We can help you see if you can qualify for a forgiveness program and prepare all the necessary documents to make sure you are eligible. It 's all done with just a phone call.      XXXX  's Get Started :  XXXX  We encourage you to learn more about t he Forgiveness Program ; be cause it 's one of the most effective relief methods for university personnel. Its all done with just a phone call.         Thank you,  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 2017-03-15 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: ACIMA CREDIT, LLC
State: NY

Complaint narrative:
I do n't know about this account I did contact this company already and they said they were going to remove it from my credit report but now they 're contacting me about this account again

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-29 00:00:00
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: Credit Plus Inc
State: FL

Complaint narrative:
XXXX - via credit plus made an unauthorized credit inquiry to my XXXX credit file

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-10 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL

Complaint narrative:
Per XXXX XXXX they were unable to pull out my information with my name social security number date of birth they may be fishing for some information and they reported to account one for {$300.00} and one for XXXX and they need to be removed because they were able to prove elevation or locate the account seems like it 's fraudulent

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-07 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BBVA FINANCIAL CORPORATION
State: TN

Complaint narrative:
I have been w ith Simple  Bank for a long time and all of a sudden I ca n't access any of my funds. They tell me that they need my social security card, bank account, papers for external account, etc when I have been with them for months and I had to call them 5 times and every time they told me the same story. Do not use this bank they are unprofessional! They froze my bank account without giving me any kind of notice, even when I told them I had to buy my medication and pay my rent they still did n't care.

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: Unlimited Progress Corp
State: IL

Complaint narrative:
I have had a " unpaid '' late collection agency claim put on my credit report for {$540.00}. This is for a bill from the  XXXX   XXXX  of  XXXX . I have NEVER been to this place. This has been done by a company named :  Creditors Discount &amp; Audit -   XXXX   XXXX   XXXX   XXXX  -  XXXX ,  XXXX   XXXX   XXXX  Account #  XXXX  This is NOT my bill. I want this removed immediately!     Thank you ;

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-07 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: Rocket Mortgage, LLC
State: NM

Complaint narrative:
Rocket Mort gage (   XXXX   XXXX   ) s ent me an offer to refinance my home loan.   I accepted and everything moved along quite quickly and was approved. Then home loan interest rates jumped up, and than began to stall the process. Finally they fabricated a problem where I owned a property in Kentucky a place I have n't even been to in 37 years.   After delaying another week they admitted that it was an " error ''. Then they brought up other " issues '' about things that were clear from the first day. This allowed them to delay the process until the " lock '' had expired. Rocket mortgage just utilizes fraud as a means.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-03-28 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: The Law Offices of Burr & Reid, LLP
State: NY

Complaint narrative:
I, XXXX XXXX disputed a debt that I do not owe. The credit bureaus continued to report this false information. They contend that the debt is verified while I sent and received a letter from the debt collector that they can not find any account i their office.

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