vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-03-03 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Senex Services Corp.
State: NJ

Complaint narrative:
This company is listed on my Credit reports. I have asked for this debt to be verified because I never had an account with Senex Services. Pursuant to the Fair Debt Collection Practices I demand validation. They 've called my cell phone numerous times but have yet to verify the original debt. This debt is listed as a charge off/collection on my credit 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 2016-07-06 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: RevSolve, Inc.
State: AZ

Complaint narrative:
I have medical debt that I incurred in XXXX 2011. I have been making regular payments for past 4+ years via checks. Last year the mail was undelivered as the address was invalid. I did n't receive any communication from the Collection Agency about address change. As a result I missed few payments and this debt was posted on my credit history. I spoke to the collection agency yesterday and they told me that I have to pay this debt in full to have it removed from my credit history. They collected all my financial information and it was evident that I could n't pay this in two months as they suggested. 

This is clearly the case of harassment as they are using this opportunity to accelerate the payoff. If I was informed of the address change then I 'd have not let payments lapse. 

Collection Agency info : REVSOLVE INC XXXX XXXX XXXX XXXX, AZ XXXX Ph : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: GREAT LAKES
State: CA

Complaint narrative:
I request debt validation. 

I demand to see a copy of the Verifiable, Validated Proof ( an original Consumer Contract with a wet-ink Signature on it, copies of copies are not Validation and by Law are not considered proof ). 
Documentation or proof showing my liability toward this account, such as a signed contract corresponding my Social Security number with my signature.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-20 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: Renton Collections Inc.
State: WA

Complaint narrative:
This submission updates the XX/XX/XXXX complaint against Renton Collections XXXX Inc. to which I was complaining about Renton Collections attempting to collect a two year-old bill for XXXX Plumbing. I was also complaining that they never provided or mailed me a proof or a copy of the bill I requested or any verification associated with the bill when I first spoke with them on the phone on XX/XX/XXXX. I had to request a proof of the bill because I am a recent ID Theft Victim, Someone else had filed an Income Tax under my name for XX/XX/XXXX Tax Year and someone had applied for a credit card using my name and I have been getting a lot of scam calls in my cellphone within the last several months and a mailed copy would prove it 's validity. 

I did not believe Renton Collections was a legitimate call because the only Plumbing company i remember doing work for me two years ago was with another Plumbing company and not XXXX XXXX Plumbing. Renton Collections never mailed me any proof at all. Instead they reported the unpaid bill to the Credit Bureau on XX/XX/XXXX. This prompted me to do my own investigation and by going in person to XXXX XXXX Plumbing on XX/XX/XXXX and inquire about this bill. I realized that they billed me two years ago for dispatch fee of {$100.00} just for sending somebody to my house and but not doing any work. I never received any bill from XXXX XXXX Plumbing otherwise i would have paid for it two years ago. They claim they billed me but i never received anything in the mail. I decided to pay the bill for {$130.00} XXXX incl. Renton Collections Interest charges ) directly to XXXX XXXX Plumbing that same day. 

I believe that i was treated unfairly. I have always maintained an excellent Credit rating ( verifiable ) paid my debts on time, never missed a payment, never had a collections and now this Collections from Renton Collections XXXX Inc. has made an impact in my Credit Rating as a result of irresponsible creditors and bad business practice. All i care right now is getting Renton Collections Account be taken off my Credit Record because i never intended this to happen and I believe my rights was violated. I am hoping for a resolution of this problem.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-22 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
Good Afternoon. I would like to file a complaint with TD Bank as I have been experiencing many issues with my Checking Account. My account was compromised, there were unauthorized ATM withdrawals in New York, a fraudulent mobile deposit in my account. I have been contacting TD Bank since Monday, XXXX regarding this matter and it has yet to be resolved. I was misinformed by several representatives as to what actions that I need to take. I was informed yesterday, after 4 business days that I needed to go into a local branch to file an Affidavit for the fraudulent mobile deposit. I was told by the branch that I did not have to sign anything as information is submitted electronically. A representative was very fresh on the call with me stating that she was not sure why a representative had not informed me that I have to sign an Affidavit. I was also informed that the branch would give me a copy if the fraudulent check that was deposited which, yet again I was misinformed. The branch provided me with a blank copy as they were unable to see anything. Throughout this whole complaint I filed, I have been treated as if I am the criminal, not the victim, constantly being questioned about the fraudulent withdrawals. My fianc lost his debit card and I am not sure how anyone was able to make those transactions. If my account was really looked into, it will reflect that I have never made that many withdrawals at XXXX time and I hardly ever use a mobile deposit. This is my checking account that has been blocked from any deposits, etc. I am not able to pay any bills or making any deposits, this concerns me as I am getting married next month. The bank has done nothing but question me or be accusatory and tell me to wait. Whoever deposited the check and withdrew money from account apparently has more protection than I do. Where are my rights as a Consumer?? I could see if there was a pattern of fraudulent activity in my account, however there is not. I receive Direct Deposit by my Employer bi-weekly and make the same deposits and pay the same bills every month. I am really not sure what to do at this point as the bank does not seem to value me as a Consumer, perhaps if I was a wealthy account holder things would be different,

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-02 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
I was charged {$350.00} in overdrafts over the course of three days. 
I checked my account and realized I had pending charges that would put me negative if I did n't bring the account current. It was about {$5.00} in tota, l I would be negative. So a deposit was made and cleared by morning and my account was positive. But then the bank charged me for XXXX overdrafts from the day before. I could only see XXXX charges but they said that the XXXX XXXX is invisible and I do n't see it. ( Wait..What did she just say, I cant see it ) Its pending, I think is what she said. So I 'm like Ok. So when that pending transaction clears and posts, and I am able to see it, am I charged another overdraft fee for the same thing. Because that is what it seems like. 
Anyways I did not know my account was negative so it all went down hill from there. When I realized it XXXX days had passed. I went to pay for my husband and son 's birthday dinner only to find I was overdrawn over {$200.00}. And when woke up to call another {$70.00} was charged. So they did refund {$70.00} back but I still dont understand what went wrong. I dont know if they are reordering the transactions or what, but I did ask them to take me out of whatever program I was in that that consents to them paying a charge for {$.00} and then charging {$35.00} for it. I would rather the {$.00} be declined. I am XXXX in a state that is very seasonal. I need all the money I have to survive and dont appreciate being charged a ridiculous amount of overdrafts when I have several accounts. I am seriously considering taking my business elsewhere, XXXX consumers deserve more respect.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-03 00:00:00
Product: Mortgage — Other mortgage
Issue: Credit decision / Underwriting — 
Company: Altisource Portfolio Solutions, S.à r.l.
State: CA

Complaint narrative:
Short sale solutions is working on a short sale on behalf of XXXX XXXX XXXX, she has XXXX loans the first is with XXXX XXXX now XXXX ( XXXX loan ) the XXXX is with Nationwide Credit Inc . Per XXXX guidelines a XXXX mortgage should only receive a max of XXXX from short sale proceeds, nor seller, buyer or agents are allow to contribute. Nationwide Credit Inc is insisting we give them a higher payoff amount despite the fact that we are prohibit to do so per XXXX. The seller has complied to all requirements, has provided all the information requested by NCI that proves her financial hardship, seller is trying to avoid foreclosure, XXXX is willing to work with the offer amount we have, however we can not proceed because NCI is NOT willing to release the lien and issue an approval letter for less than 20 % of the unpaid principal, the total amount due is XXXX. We are afraid this will lead the homeowner into a foreclosure. We can not issue more money to NCI, we would be violation of XXXX guidelines.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-16 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: SUN WEST MORTGAGE COMPANY, INC.
State: OH

Complaint narrative:
SUNWEST MORTGAGE. Roof damages and my insurance carrier ( XXXX ) approved a full roof replacement. I had to inform mortgage Company Sunwest about this because the repair check was a 2 party check to me and mortgage company. After filling out all the paperwork, Sunwest informs me that they will keep up to {$150.00} of the contractors money so they can pay their own inspector to come make sure work is completed. I spoke to my loan officer and my insurance carrier and neither has ever heard of this practice. I look at all my loan docs when I signed with Sunwest, and no paperwork shows that if I have an insurance claim that Sunwest will basically take a deductible out for an inspection. Now, I am going to have to owe the contractor up to {$150.00} plus my deductible. Sunwest, stated they do this for the Safety of my family. They will not budge on this. I tried to even explain to them that we purchased a Permit through the county and they actually have an inspector come out and I could just forward them over the county info when completed. Sunwest said no and will still be withholding money from the repair check for their own inspector. 
I feel this is a shady practice and when looking for a mortgage carrier, would have never signed with them if I knew that I would be charged a fee if I have an insurance claim.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-24 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Renton Collections Inc.
State: WA

Complaint narrative:
Renton Collections , Inc. sent a bill from the original creditor, XXXX XXXX XXXX, account number XXXX in the amount of {$320.00}. This amount includes the original bill of {$300.00} plus {$15.00} in accrued interest for a total of {$320.00}. After contacting a customer service representative on XXXX XXXX 2015 to locate the original creditor which assigned the debt to collections, I told the collection agency representative the insurance agency had already paid the bill in full. The collection agency representative angrily denounced the statement claiming they had no such information. When pressed for details about the original creditor, the billing collection agency refused providing the information claiming they did not have to provide it. I asserted that per FCRA, the collection agency did have to provide the information from the original creditor in writing per my request. However, the billing collection agency representative still refused to do and refused to turn the call over to a person in charge per my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-25 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
The company seems to be resisting closing my credit card. I have a Bank of America World Points Mastercard - I have made XXXX attempts by phone to close this card. The employees at the number on the card ( XXXX ). Each time the employee verifies who I am with various security questions then I am routed " to a supervisor '' which takes me out of the system e.g. to XXXX, to a busy signal, to perpetual hold so that the transaction can not be completed. I want his card closed.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-27 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Application, originator, mortgage broker — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I recently applied for a HELOC ( home equity line of credit ) with Bank of America ( " BOFA '' ) and they quoted me a {$100000.00} HELOC at variable rate. Before asking me to run my credit, they told me their desktop appraisal provided a value for my property sufficient to cover a {$100000.00} HELOC. I agreed to have them run my credit based upon the interest rate they quoted me and based upon the property value they quoted me. Had the interest rate they promised and the property value they quoted me been less than as represented by BOFA, I wuld never have allowed them to run my credit. BOFA informed me that my application had been approved and also opened up a web portal for me to submit paystubs and w-2s. After I spent significant time and energy, they informed me that they had re-reviewed my application and that suddenly I did not qualify for the HELOC as represented and that they suddenly needed more information to review the property value on my home. After a couple of days, they contacted me and told me that I did not qualify for my HELOC suddenly and a few days later, I received a letter informing me that I had been denied credit. BOFA is engaging in a bait and switch process that has now hurt my credit because the credit inquiry remains on my credit reports. This is fraudulent conduct and I am demanding that BOFA remove the credit inquiry they conducted based upon false pretenses. Had they not told me that my property qualified for a HELOC ( based upon value ), I would never have allowed BOFA to run my credit. BOFA 's credit inquiry should be removed from my credit report.

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 2016-11-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC.
State: WA

Complaint narrative:
I recently received several letters from a company called NAVIENT. the letters state that I now have student loans with them. I called to inquire using the account number on the letter. I asked what these loans were but the representative and supervisor could not validate these loans. they have no promissory note nor my correct date of birth. they asked me to send them copies of my social security card and drivers license. I do n't own these loans and I have no idea who or what this is about.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-06 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Metro Collection Service Inc.
State: CO

Complaint narrative:
My ex husband and I rented a house in XX/XX/XXXX. At the end of the year I signed off of the lease and my ex signed a new lease in XX/XX/XXXX. He accrued many charges for damages and nonpayment. The landlord submitted the debt to a debt collector who in turn reported it to MY XXXX report. I asked for proof and he sent only the list of charges and the lease I had signed in XX/XX/XXXX, which was not applicable to the charges and debt. All parties understand that I am not responsible for these charges and the landlord acknowledged this as well. The original lease is NOT proof that I was on the new lease. The debt collector XXXX XXXX XXXX XXXX failed to provide proof that I was on the new lease and used to old lease to incorrectly 'validate ' the debt with XXXX XXXX This is causing me many problems with rental companies and acquiring loans. I have recently been denied an apartment on the basis that I have too much debt ( this debt ) which is related to a rental property. This is not my debt and needs to be removed from my credit report IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-27 00:00:00
Product: Credit card — 
Issue: Balance transfer — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC

Complaint narrative:
I called Bank of America to get a ( a new ) credit card promotion. I have an account with them now. I wanted to lower my interest rate and my minimum payment that is going up on XXXX 2016. I wanted to transfer the present credit card balance to a 0 interest rate. I was told I could n't to that because they will not transfer an existing Bank of America credit card account I also was told of my new minimum payment which would be more than I could afford.I told the lady that she did n't give me a resolution! I am very upset with Bank of America. As soon as I can I will close this account. Is there anything that you can do to help me?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-06 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC.
State: NJ

Complaint narrative:
I had my {$490.00} payment on auto withdrawal from my account every month on the XXXX. Unfortunately, this setup only lasts for one year increments for some reason. I called Navient last month to tell them to keep my payments on the XXXX of every month because that worked for me. I just happened to check my bank account this morning and saw the payment came out on the XXXX instead. It 's my understanding that it 's illegal to withdraw an unauthorized debit from an account. I called Navient and they said they would n't have done that and will be reviewing the tapes and get back to me. I know for a fact I asked to keep my payments on the XXXX of every month because that works for me. Now I need to find another way to make rent this month because my NEXT paycheck should be going towards my student loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
Back in XXXX XXXX failed to properly advise me and my co signer of late payment and non issued payments and reported to the credit beaure. I was unemployed and while my co signer called, mailed and notified XXXX of his in awareness of correspondence they failed to remove the credit ding. 

My co signer was my brother with a similar name as my father, they had my father and brother mixed. It was a mess. 

Some of my private loans I have asked for proof of my signature documentation and verification because I was unaware of half of my private and Federal loans that supposedly my private college took out in my name since XX/XX/XXXX. 

There was no assistance from them after repeated calls and attempts to provide me with proof. I 've been paying since then and drowning in student loan debt without a degree to pay off over {$100000.00} in SLD {$80000.00} is privatefrom Navient,

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-03 00:00:00
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
On XX/XX/XXXX I came home from a long day of work and found the attached letter in my mail box. In this attached letter from XXXX XXXX it is advising that on XX/XX/XXXX a payment that was legitimately authorized to them from Bank of America on XX/XX/XXXX was advised unauthorized per a dispute given by the " now '' Bank of America account holder. I was an authorized party on the account until XX/XX/XXXX. The amount that was disputed was for XXXX. 
This was indeed an authorized payment due to I was a joint owner of the Bank of America account when the payment was submitted to XXXX XXXX. The reason that this payment was advised unauthorized by the current account hold is because my ex is being spiteful and he knows that Bank of America is not going to put in the extra legwork to ensure if this was indeed true or false. 

This is the XXXX time I am having to deal with this matter in a 1 month time frame and it is becoming ridiculous. If Bank of America did a better job in ensuring the following before the dispute was done we would n't have this issue : - Who 's name is on the bank account at the time that the payment was made? 
- Who 's name was on the account that the payment was made to? 
- Does the address match what was on file to Bank of America when the payments were made? 

I can answer this with ease - IT WAS MINE!!! Bank of America should not allow authorized payments to be disputed when they were made legitimately while it was a joint account. My ex is being spiteful due to I broke the XXXX because he became abusive. Bank of America this has to stop! I am tired of being a victim because someone is not doing their job correctly and continuing to breach their fiduciary duty.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation