vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-03-19 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
TOO BIG TO FAIL AND CARE We are in our XXXX, after our last child went off to college in XX/XX/XXXX, we decided to downside and move into a smaller place. In XX/XX/XXXX, we paid down on our dream home. This is an XXXX and half bedroom condo in the heart of XXXX -- - ( no car needed ) XX/XX/XXXX, we were informed that BOA had sold their XXXX units to XXXX XXXX, an out of state acquisition company. A meeting was held on XX/XX/XXXX, by the new purchasers. At this meeting, we the few owners were informed that because they ( new owners ) were the majority stakeholders, they could do away with the condo Bylaws. Thus the Bylaws were amended and the new board appointed. 
We were told the following : Sell our units to the new owners at the same price which was given to them by BOA Continue to live in our unit -- -knowing that the building will no longer abide by the condo Bylaws, but instead will be operated and managed as an apartment complex. 
We were also informed that we will never be able to sell our unit on the open market because of the rental average of the building. 
Our condo was purchased in good faith. We 'd everything that was right under the law. The present situation we are in is no fault of ours. The housing market tanked, and BOA did what was best for them -- -sold their units to the highest bidder -- - NOT CARING ABOUT HOW THEIR DECISION WOULD AFFECT THEIR HONEST CUSTOMERS THAT PURCHASED AND HAVE MORTGAGES WITH THEM. -- -- TOO BIG TO CARE. The investors on the other hand needed to realize a profit quickly changed the Bylaws to protect their investment. Who cares about ordinary Americans like us no one? We are the casualty of the housing bubble. We could have walked away them this situation like many other American, but we did n't because we are honest FOOLS.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-27 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker — 
Company: AMERICAN EQUITY MORTGAGE
State: MO

Complaint narrative:
I contacted American Equity Mortgage company in XXXX, MO on XXXX/XXXX/2016 to get a refinance for my home mortgage. So I spoke with XXXX XXXX and give him all my information to pull my credit report as he suppose to call me back after few hours on the same day. I waited and he did n't call. The next day I called him back and left him a voice message and never returned my call and call them again few days later and left another voice mail and no one returned my call period. He did pull my credit report and 2 days later after he did so my credit score significantly dropped for unknown reason as there 's no negative information reported or added to my report. I believe I have been racially discriminated for no reason and I believe he did something to my impact my credit score over all.

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 2015-07-02 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: FIRST HORIZON BANK
State: NV

Complaint narrative:
In 2005 I took out a HELOC with First Tennessee Bank/First Horizon. Last month I was shocked to see that my monthly payment increased XXXX times from the previous payment amount. If I would have known how much my adjusted payment would be I would have never applied for the loan. I do n't have the financial ability to pay it now or at the time the bank made me the loan. In fact, the bank never looked at my ability to pay or even ask about my income. Also, First Tennessee Bank has charged me a finance charge of 100 % of the newly adjusted payment when I could n't pay the new amount. I was never informed they could charge me a 100 % finance charge and I dispute this excessive amount. I would like to discuss a loan workout but First Tennessee does n't even provide a contact person 's name, e-mail or phone number on its statement.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-28 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Application, originator, mortgage broker — 
Company: FIRST HORIZON BANK
State: MI

Complaint narrative:
On a monthly basis First Tennessee/First Horizon currently ( as of XXXX XXXX ) continues to report late payments to my credit bureaus, for a Home Equity Line of Credit Mortgage loan that was charged off by First Horizon in XXXX. I have repeatedly disputed the accuracy of the amount of the balance that First Horizon has been reporting and requested them to provide closing documents that demonstrate the disbursement of funds to reconcile this balance. First Tennessee has responded by informing me that it is not their responsibility to provide these documents and they have stated that they did not distribute funds at the closing, that would have been done by the title company. The mortgage company that was directly involved was First Horizon Home Mortgage, which is a subsidiary or affiliate of First Tennessee. The title company directly involved in the closing was XXXX XXXX, which was brought into the transaction by First Horizon. I have attempted to track down the requested disbursement of funds documents by contacting XXXX XXXX ( this company is no longer in business ) and First Horizon in XXXX, MI ( this company is no longer in business ). The State of Michigan XXXX shows that First Horizon had not had a license since XXXX, but did show as an affiliate of First Tennessee in XXXX ( eliminating the requirement to be licensed through Michigan ). The closing with First Horizon that is being referenced occurred in XXXX of XXXX. As I have been in contact with First Tennessee attempting to reconcile the balance, they confirmed that First Tennessee closed all of the First Horizon offices in Michigan, but still refused to provide documentation related to the disbursement of funds during this closing. In conversations with First Tennessee, representatives have failed to even acknowledge the first mortgage that was a part of this transaction. This is important because the first and a portion of the second mortgage account for the dollar amount that was due to XXXX Bank ( holder of the loan at the time of the closing ), that are not being accounted for, in addition to other fund disbursements that First Tennessee is not accounting for. The route cause of this problem is the fact that First Horizon suggested that this transaction be completed by splitting the mortgage into a first ( mortgage ) and second ( home equity line of credit mortgage ) to avoid having a " Jumbo '' loan. I have since found out that the total of the loan in question would not have been above the amount that would have qualified as a " Jumbo '' loan had it not been split into a first and second.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-11 00:00:00
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: Praxis Financial Solutions, Incorporated
State: TX

Complaint narrative:
XXXX XXXX XXXX from PRAXIS FINANCIAL SOLUTIONSXXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX has repeatedly called my place of employment even after being informed not to call my place of employment. 
XXXX XXXX fails to identify himself as a debt collector and just gives his first name and asked to talk to me. 
I informed XXXX XXXX that we had already informed him that he was not to call my place of employment, he denied ever calling my job before. 
XXXX XXXX will not inform me what he is calling about unless I disclose personal information which I am unwilling to do to anyone over the phone. 
XXXX XXXX manner conversation manner is to talk over you and to repeatedly ask you for the same information, he will get a very aggressive tone as to try to intimidate you into complying with his demands.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-13 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: Stellar Recovery, Inc.
State: GA

Complaint narrative:
I called the original company who I had the debt with and was told I was no longer in their system and I should call the collection company. I called the number listed on my credit report for XXXX Collections but the number was no longer in service. Then, I noticed that this same open collection with XXXX was closed in XXXX 2015, on my credit report. I have never received any calls or letters from XXXX. I would XXXX to see if this can be permanently removed from my credit reports.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-04 00:00:00
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: Social Finance, Inc.
State: CA

Complaint narrative:
I applied and was approved for a loan from SoFi on XXXX XXXX. Signed and submitted the acceptance paperwork on XXXX XXXX. Since then, every employee has given me a different story on when the funds will be in my account. I 've been told on three different occasions the funds were ACH 'd into my account and would be available in a few business days. I was given other deadlines by two additional employees for when the funds would be available and those, too, have came and passed. The customer service representatives have no more information available to them than I do when viewing my application online, and I 'm being told that the fate of these funds is in the hands of a funding department that no one can contact, has access to, or has a phone number for. A supervisor was supposed to get me a transaction tracking number and call me back, she never did. I spoke with another supervisor who told me the funds were approved XXXX XXXX, and I have yet to see them. At this point I think I was the victim of a fraudulent scam aimed to obtain personally identifiable information from consumers. The interest rate on my acceptance paperwork is actually higher than what I was approved for, and that paperwork says I have a payment due on XXXX XXXX, even though I never received a dollar from this company. At the very least, this is an inefficient, misleading, and dishonest company who flat out lies to consumers. Worst case scenario, it 's a complete scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-28 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: KS

Complaint narrative:
I paid a debt with this company a couple months ago and it still listed on my credit file as I owe. So I disputed it and all three credit agencies stated they verified and I owe. This is inaccurate information I want it removed completely.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-03 00:00:00
Product: Money transfers — International money transfer
Issue: Fraud or scam — 
Company: XOOM CORPORATION
State: FL

Complaint narrative:
I got 2 emails today one stating I had authorized a transfer to XXXX XXXX for {$100.00} ( XXXX seems to be their fee ) thru a company named Zoom and the second one cancelling said transaction. 
I did not do neither. I never sent the money to begin with and now I 'm very concern because despite the fact it was cancelled these people had my information and when I called this Zoom place I was placed on hold and then passed to a 'verification ' office were a person named XXXX wanted my personal information and when I did not want to give her my personal information she said that without it she could not help me. 
I need to make sure my information is safe and to know how this people got a hold of my information Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-17 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Pinnacle Credit Services, LLC
State: TX

Complaint narrative:
I am filing this complaint against Pinnacle Credit Services , LLC. This is the first letter I have ever received stating I owe XXXX ( South Dakota ), XXXX {$27000.00}. I have never received a loan of any sort from XXXX. I do not know what it is for, unless it is security fraud. Please check into this for me, because I am not sure what it is about. The reference no. is XXXX, and there phone number is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-27 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: PA

Complaint narrative:
The original creditor was XXXX XXXX, the debt had been disputed several times to XXXX as a fraudulent account and never resolved. XXXX wrote off the debt and it was purchased by a debt purchasing company. I was never contacted about the debt but it appeared on my credit reports. I have continuously disputed this account and it has not been removed. In XXXX I contacted XXXX directly, they sent a request to the credit bureaus to remove the debt because it did not belong to me but because it is being reported by this debt purchasing company it has not been removed. I called Pinnacle the company reporting this debt and was informed they are not managing the account another company XXXX XXXX has acquired the account, but Pinnacle continues to report it to the credit bureaus. When I contacted Pinnacle directly they told me to contact XXXX. When I contacted XXXX they were rude and refused to give me any information or send me any information. I have continuously contacted all XXXX credit bureaus over and over again disputing this record and it still has not been removed or resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-08 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: Pinnacle Credit Services, LLC
State: NM

Complaint narrative:
I already filed a complaint against the issuer XXXX XXXX XXXX. This is against their collection agency who is harassing me. The credit card was under my corporations name, XXXX XXXX XXXX, which filed Chap XXXX in 2011. I never agreed to, nor signed, any personal guarantees on this debt. This whole process is unfair, unethical and illegal

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-27 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: Comerica
State: TX

Complaint narrative:
Comerica bank handles the Social Securities cards. A XXXX lady lost her card so we went in the bank to get a replacement. The banker there convinced her that it would be better if she got a bank card with no fees in case the card was lost again. So the bank took her last {$80.00} ( may have been {$100.00} ) to open her no fees account. What the bank failed to inform her was that the account was no fees after Social Security confirmed the switch and moved the money into her account. They later confirm after they had fee 'd her account to a - {$40.00} was that it would take SS 120 to 160 days to transfer and she would get bank fees till that date. So they took the last bit of money from a XXXX lady then fee'ed that money away till she owed them {$40.00} and they turned her into the credit companies to hurt her credit. This bank should no be handling SS accounts when they have intent to steal those customers and tricked and lied to her. This is robbery and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-26 00:00:00
Product: Prepaid card — Government benefit payment card
Issue: Unauthorized transactions/trans. issues — 
Company: Comerica
State: TN

Complaint narrative:
I have been on the phone and ca n't get through this horrible phone system and sit and wait for the fraud area to pick up for over an hour and then it just disconnects. I am out {$100.00} that I need to feed my kids with and I ca n't get any response. I have had it! I ca n't get anyone to provide the police report details to.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-04 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: TX

Complaint narrative:
Upon undergoing a back ground check for federal employment, I learned this debt was listed with a collection agency on my credit report. I mailed a letter to Pinnacle Credit Service on XXXX/XXXX/16 asking for verification/documentation of the debt. They did not respond. I mailed a follow up letter to Pinnacle on XXXX/XXXX/16 with a copy of the original letter. I asked again for verification/documentation. They did not respond. I mailed a third letter certified mail return receipt requested on XXXX/XXXX/16 advising them to verify the debt or have it removed from all three major credit reporting bureaus. I received the return receipt verifying they received the letter XXXX XXXX. They still have not communicated with me or removed the debt. I applied for a mortgage on XXXX/XXXX/16 and was denied an FHA loan because this debt is on my report, yet the collection agency will not respond with verification/documentation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-07 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: Comerica
State: AL

Complaint narrative:
I have XXXX proplems XXXX with XXXX and the prepaid direct express card. I have been on XXXX. Since XX/XX/XXXX.in XX/XX/XXXX I came up for review thats when my problem s started they denied me court date XX/XX/XXXX I had XXXX ( total XXXX with XXXX ) on the XXXX of XXXX which was out they really believed that it was XXXX but it was n't I called XXXX and was told that it would be rescu it was n't then I went thur XXXX. I appealed then every month or I had to go back and refile at one pointi had legal aide and they told that it was was fixed still no money I wrote all of the polictes in my state I recieved a response n I then told I had to reapply that news surprised cause for over a year finally I got a lwayer went to court in XX/XX/XXXX got approved I was to get a payee which did not do I was told I would get over XXXX lawyer would getover XXXX fine then I

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-21 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Remex, Inc.
State: NJ

Complaint narrative:
Remax Collection agency contacted me via telephone that I owe XXXX outstanding balance XXXX. I never received any bill stating I owe money XXXX. I am disputing these debts because I do not owe them. The office of my primary care physician voluntarily elected to send XXXX to creditors XXXX. I never entered such contract or agreement with them. Upon submission of my health insurance cards to my physician 's office it becomes their responsibility as network provider to submit any services to the appropriate in network lab. Any practice to submit out of network lab was beyond my control and was without my authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-03 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Remex, Inc.
State: NJ

Complaint narrative:
XXXX XXXX were billed to XXXX XXXX. XXXX XXXX denied payment as they required more information. XXXX XXXX XXXX has filed bankruptcy. Outstanding debts were sent to Remex Revenue Services for collection action. I provided all documentation to Remex and they refuse to provide me with written confirmation that my record is cleared.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-23 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: Franklin Collection Service, Inc.
State: AL

Complaint narrative:
XXXX certified letters within a 60 day period to Franklin Collection Service , Inc. has failed to provide the following requested information to validate alleged debts:XXXX Signed credit applications between myself and the original creditorXXXX. Copies of all signed vouchers from the date accounts opened until defaultXXXX. Copies of all statements from the date accounts opened until defaultXXXX. Proof of the statue of limitationsXXXX. Proof of agreements that they were hired by the original creditor ( creditor as defined by the FDCPA ) orXXXX. A copy of the contracts Franklin Collection Service, Inc.purchased the alleged debtsXXXX. If the alleged debts were purchased, provide a copy of agreements between Franklin Collection Service , Inc. and myself, signed by me, stating that I have a contractual responsibility to Franklin Collection Service , Inc. for the alleged debtsXXXX.Provide proof that Franklin Collection Service , Inc. is bonded/Licensed for debt collecting in the state of AlabamaBy failing to provided all of the information that was requested on my behalf, the disputed claims are now considered invalid and all collection efforts must be stopped and the accounts must be deleted from Franklin Collection Service , Inc. Franklin Collection Service , Inc. can not validate their claims, therefore they can not, by law, collect on it, or sell it to another collection agency. Also, reporting debts to the credit reporting agencies that can not be validated is a violation of the FCRA XXXX Fair Credit Reporting Act XXXX, and carries a {$2500.00} fine. Please advise Franklin Collection Service, Inc.of their infractions and that the alleged debts must be removed from their account immediately, and they also must be removed from all credit reporting agencies.Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-21 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: SMITH, ROUCHON & ASSOCIATES, INC.
State: AR

Complaint narrative:
I never recieved a bill from this this collection agency or notice

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