vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-03-28 00:00:00
Product: Debt collection — Mortgage
Issue: False statements or representation — Indicated committed crime not paying
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC

Complaint narrative:
We had a loan with countrywide aka BOA and it was sold to specialized loan services. BOA foreclosed on the property after 5 years. BOA and XXXX XXXX services are both showing on my credit report. I never signed any papers with this company and have no affiliation with this company, yet it is on our credit report. These companies were involved in a class action lawsuit about this issue.

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 2017-01-23 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC.
State: AL

Complaint narrative:
I have XXXX complaints. 1. I attended a school for to be an XXXX. The school XXXX XXXX XXXX closed and did not disclose that it was uncertified? The school Claimed that I would be taught to be a XXXX in 10 weeks. I paid {$12000.00} in student loan from XXXX now navient. 
2. My father co-signed for my student loan and navient refuse to Remove his name from the loan when the agreement called for him to be a co-signer for two years.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-24 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
I am a co-signer on a Navient student loan. I have paid-off XXXX of the XXXX loans I am a co-signer for 3 years ago. I paid a lump sum on the XXXX loan about XXXX years ago to bring it current. I verified the XXXX loan is current, the goal is to be released as a co-signer. Granted the borrower pays the loan, but based on her pay period about XXXX or XXXX weeks late. Recently, Navient approved a XXXX month forbearance XX/XX/XXXX thru XX/XX/XXXX. I received notice of the forbearance after it was approved by mail. I was unclear of the issue, and made a call to Navient on XX/XX/XXXX to have the forbearance and the account status explained to me. The account shows that all payments for XX/XX/XXXX was received ... some late and late fees were assessed. But, I was confused as to how the forbearance was necessary. After about XXXX hour on the phone, XXXX transfers later, I requested to speak with a Supervisor to explain. I was told the account was a month behind ... which it does not appear to be the case ... and the forbearance is the reason for the zero balance, which in my understanding only removes the XX/XX/XXXX payment. It 's never easy communicating with Navient, and the workers are not knowledgeable and you feel as though you are caught in a bad dream that will never end. I do n't agree to forbearance 's, but as the co-signer I have no right to prevent it. I made a payment on XX/XX/XXXX, that should be posted in the account this week. My main goal is to be removed from this loan as a co-signer ... and I will be requesting the borrower to submit a request to removed me from this XXXX loan. However, because of the way she pays and the recent forbearance I 'm not sure my request will be granted. Please help. I WILL NEVER CO-SIGN A STUDENT LOAN AGAIN AND I WILL NOT RECOMMEND NAVIENT AS A LENDER TO ANY STUDENT.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-23 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: Navient Solutions, LLC.
State: NJ

Complaint narrative:
I have been paying back my student loan for 5 years now. I got a warning on my credit monitoring account that my student loan balanced increased by XXXX dollars this month. I then went through and looked at my payment history. My original amount borrowed was {$36000.00}. In five years I 've paid a total of {$31000.00}. The life of this loan is until XX/XX/XXXX ( another 26 years ) at this rate. I will be paying {$150000.00} on a loan that is {$36000.00} borrowed. Which is absolutely insane. I 've called multiple time and Navient refuses to even review my loan or provide any reasoning to why my loan is in it 's current situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-21 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I have been with Bank of America for many years with my Mortgage loan I felt happy and comfortable having my loan with them and being able to pay and easily access my loan information online. I received a letter from bank of america that they have sold transferred my loan to a third party service. I have looked at the third party service company and I am very unhappy with this the new third party company to service my loan is XXXX XXXX XXXX XXXX which has a payment option for paying online I would have to pay XXXX XXXX I total am appalled I have excellent credit and to be transferred to a low down service-er is absurd I have been transferred to a company that is for people with bad credit. Also I contacted the new servicer and you here on the recording ( we are a debt collector ) Really the guy was rude to boot!!! I have never been late with B of A and have excellent credit!! I believe this transfer is going to cause my ire-reputable damage to my credit I demand that my mortgage account be transferred back to Bank of America I will consider hiring an attorney this is not right! I will sue for damages caused to my credit from this transfer to this less than excellent third party servicing company I want this rectified!

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 2015-03-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PRIMARY RESIDENTIAL MORTGAGE
State: CO

Complaint narrative:
I made an online payment to mortgage on XXXX/XXXX/15. I then received a payment confirmation stating that " payment was received '' I received a call from mortgage on XXXX/XXXX/15 saying that they were accessing a late fee and check bounce fee. I explained about my confirmation e-mail and they said that the reason no payment was made was because an incorrect acct # was entered. If that is correct then why did I receive a " payment accepted '' confirmation e-mail. Sufficient funds were also in the bank so there never was a bounced check. Not only are they assessing these fees but are also charging me a {$15.00} fee to make payment over the phone after the fact. I feel as if they are ripping me off on purpose.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-07-28 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: National Arbitration Forum
State: VA

Complaint narrative:
They are calling family members and leaving threating message to show up on job with sheriff and supervisor or come to house with sheriff. I encouraged them to come on or meet at Sheriff office and to stop call me and my love ones and getting them up set.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-04 00:00:00
Product: Prepaid card — Government benefit payment card
Issue: Managing, opening, or closing account — 
Company: Netspend Corporation
State: CA

Complaint narrative:
I prepared my XX/XX/XXXX income tax online. The netspend prepaid credit card was an option for receiving my refund faster. When I efiled my final form the screen stated my card would be mailed that week to expect it by XX/XX/XXXX. I have had a restraining order against my husband for XXXX years and stealing my mail is XXXX of his favorite pastimes. I immediately phoned netspend that card was cancled a new card was issued and after explai XXXX g my concerns an activation code was placed on my card. Net spend issued him a XXXX card without my authorization got him his card XXXX day before mine never enforced the activation code and he withdrew XXXX $ a day before I received my card. I faxed the company my written complaint XX/XX/XXXX. They claim they never received it.XX/XX/XXXX he withdrew the money from our local XXXX bank. XX/XX/XXXX at XXXX is when I received my card. I immediately attepted to activate it. When I did no activation se urity code was required as I was guaranteed would be. My balance showed XXXX $ less. I called customer service and they explained that a XXXX card was issued by them. I was furious. My lender is ready to foreclose on my home and I dont see why I cant get my money. They are past all regulated days allotted and I cant even get an update much less the refund I should of been given weeks ago. I have several emails qhere they admitt fault claim they counseled staff yet im ready to lose my home and its been XX/XX/XXXX

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-04-28 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Southwest Credit Systems, L.P.
State: WY

Complaint narrative:
This number constantly calls my place of employment, anywhere from XXXX7 times within an 8 hour day, 5 days per week, for the last month. I do not know what they are wanting because they will hang up or place me on hold for a representative. I 'm at work so I am unable to hold, nor am I allowed personal calls. I am reprimanded every time this happens.

Company response to consumer: Closed
Consumer complaint received 2015-08-11 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Threatened to take legal action
Company: National Arbitration Forum
State: AZ

Complaint narrative:
I 've reported this company before. Now they 're back to the same sort of robocalls I got at first that do n't mention who they 're calling for or that this is a debt collection. Here 's the transcript of the message : This is a final courtesy call from XXXX XXXX XXXX before reporting that you 've been uncooperative any investigation against you if we do not hear from either yourself or your legal representation today we will be left with no recourse other than to report your noncompliance in this issue to the proper jurisdiction. Our office number is XXXX, please reference & lt ; call ended & gt ;.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-20 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: Southwest Credit Systems, L.P.
State: PA

Complaint narrative:
In XX/XX/XXXX I submitted an order for XXXX cable, internet and phone service. In order to do so, I had to open an account. However, XXXX never established service or installed any equipment. After a few weeks, I gave up and instructed the company 's representative to close my account. Much later I was contacted by several debt-collection agencies, most recently SouthwestCredit, demanding payment of {$150.00}. On XX/XX/XXXX, in response to a letter dated XX/XX/XXXX, I wrote to Southwest that I had never received XXXX service and had instructed XXXX to close my account. In a letter dated XX/XX/XXXX, Southwest responded that their " investigation '' had " confirmed '' that the full amount was due immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-20 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: USCB, Inc.
State: CA

Complaint narrative:
I RECEIVED A VOICE AUTOMATED PHONE CALL STATING XXXX XXXX IS REQUESTING FOR ME TO RETURN HER PHONE CALL IN REGARDS TO A DEBT THAT I OWE TO USCB AMERICA????

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-17 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: HABITAT FOR HUMANITY INTERNATIONAL, INC.
State: MO

Complaint narrative:
Habitat for Humanity refuses to take their property out of my name and it 's steady causing me financial problems, hardship, and stress. The house was built incorrectly and the foundation had pulled away from the house which made the house impossible to live in from the rats and bugs infestation. Habitat refused to resolved the issues and help me. I lost everything including my home. I 'm still being stressed out about this issue.

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 2017-01-06 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
I tried to get a credit card with huntington. They told me to get the app because I 'm under XXXX. I got the app and it took me back to the standard huntington automated line. I then asked for customer service and they told me I had the wrong number and transfered me. After being transfered they had me speak to some man in the XXXX that I could barely understand. He proceded to tell me to go online and apply for a credit card and hung up on me. I am furious this needs solved this is unfair to people on their own under the age of XXXX trying to get a head start on life. I have a decent job and all I want to do is build my credit so I 'm better off by the time I 'm in my XXXX 's please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-16 00:00:00
Product: Debt collection — Medical
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: CHS, Inc.
State: VA

Complaint narrative:
I would like to register a complaint against XXXX XXXX in XXXX, Va for questionable billing practices. I had a XXXX by a local XXXX on XXXX XXXX, 2015 and had an out of pocket bill for {$200.00} total. The XXXX practice XXXX XXXX XXXX XXXX XXXX XXXX was purchased by XXXX about the same time as the XXXX and they ( XXXX XXXX took over the billing process. I received the XXXX bill during XXXX week in XXXX and remitted my XXXX payment XXXX {$80.00} XXXX on XXXX XXXX. I continued to remit my payments, on time, for the next XXXX billing cycles. I had sent {$160.00} ( 80 % of the bill ) by XXXX XXXX, yet was sent to a collection agency XXXX SCA Credit Services XXXX, Va XXXX saying I owed {$100.00} ( Case # XXXX ). I complained loudly to several XXXX billing services managers but all they could tell me was it was " the system 's '' fault. My response was that you have a " process failure ''. I have lived in this area all my life and personally know many XXXX employees. In speaking with XXXX she said " do n't feel bad they sent me to collections as well and my payments were being payroll deducted by XXXX ''. No one ever stated that this bill had to be paid in full on the XXXX payment nor did they advise me that I was being sent to a collection agency. I am neither poor or under insured but I have a grave concern that this could have a devastating effect on a family that was struggling financially. A blemish on the credit score of a poor family could be potentially catastrophic! XXXX XXXX should use excellent patient care and ethical billing practices to drive its business model, not greed and avarice.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-12 00:00:00
Product: Debt collection — Auto
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Vital Solutions, Inc.
State: IL

Complaint narrative:
i sent a certified letter to vital on XXXX XXXX and it was signed for on XXXX XXXX i requested validation ( a signed contract showing i have done business with, owe money to etc ). 30 days have passed and all i recieved was documents from another customer of theirs. vital has broken the law by not sending me what i requested in the 30 days required and broken the law by sending me another customers confidential info

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-29 00:00:00
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: Netspend Corporation
State: MD

Complaint narrative:
I received an unsolicited 'NetSpend Prepaid XXXX ' in the mail yesterday from XXXX. XXXX XXXX, XXXX, TX XXXX. I could not find anything in the attached paper to explain what 'prepaid ' meant. I called the telephone number listed ( XXXX ) to opt out of receiving anything else from this company but the recorded message said the card had not yet been activated so they needed my Social Security number for something. I hung up immediately when they mentioned my SSN so I do n't know what the rest of the message said. I cut the card into pieces this morning and dropped the pieces into separate recycling bins. This card is issued by XXXX. There 's tons more fine print but I 'm not going to read it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-22 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: Southwest Credit Systems, L.P.
State: MI

Complaint narrative:
The company ( Southwest Credit Systems ) calls constantly about a debt that they calim that I owe. I asked them to stop calling my cell phone and to conduct any further inquiries using the mail. They continue to call and I have spoken to them an addition two times and the last time I specifically told them never to call me again. They continue to call and it is interfering with my job. I 'm not sure if it is important, but i am also registered on the Do Not Call Registry and have been there for approximately 6 months.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2016-11-18 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Southwest Credit Systems, L.P.
State: GA

Complaint narrative:
2 credit collection companies are trying to collect on the same debt from XXXX. Southwest Credit Systems placed a tradeline on my credit report on XX/XX/2016 and XXXX is also listed on my credit report trying to collect for the same company. I had to look Southwest Credit Systems up on goggle to get contact information. Once I contacted Southwest Credit they had over 5 addresses listed for me and none of them belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-22 00:00:00
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: Capital Accounts, LLC
State: FL

Complaint narrative:
Doctor was aggressive in pursuit to get us to come to his office for his service, which is a diagnosis of XXXX, i.e., XXXX. Multiple persuasive phone calls. Over the phone assurance to reduce the bill after I advised that I am a single mom and not able to pay for this service. I finally caved and took my son to see XXXX XXXX / XXXX, FL. XXXX XXXX was not there for the appointment. Instead, we were surprised to be taken in by a Technician. My son was given a pill ( I believe XXXX ). We were strong armed into taking a test. This test was advertised as {$600.00} over the phone by XXXX XXXX. I was concerned and researched the doctor after the test finding multiple complaints about aggressive sales tactics ; inability to be reached or not being present at appointments ; as well as inflated billing and collection practices. I opted to cancel the follow up appointment with XXXX XXXX. Numerous sales calls by XXXX XXXX followed, advising me that my son had serious issues and problems and that I needed to address same. I did not make another appointment with this doctor. 

I was billed {$1500.00} against verbal {$600.00} price assurance over the phone. 

The bill, supposedly consists of {$600.00} test ; {$100.00} cancellation of supposed XXXX appointments ; and a {$450.00} deductible sum for what I am not certain of. 

This breakdown by the office secretary named XXXX still does not mount to {$1500.00} sent to collection. 

This doctor is unethical and as a single mother, I am not able to cover this amount. I do not want my son to be pushed on medicine. 

Having given my son a pill for testing without first advising me prior to the test and without a consultation prior to the test is absolutely incredible. 

To make things worse, XXXX XXXX office waited until my son turned XXXX years of age to turn this manufactured bill into a collection against my son 's 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 2016-07-28 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Capital Accounts, LLC
State: CA

Complaint narrative:
I rent XXXX house XXXX my husband like 4 years ago and XXXX company send me to collection and my husband pay months ago and and still have the open account in collection i call the company of collection they telling me that is going to be removed call back in one month and is the same thing and i call yesterday and again now they tell mi the XXXX is going to call you back and nothing this is the receipt Capital Accounts XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Original Creditor : XXXX XXXX Homes Current Creditor : Capital Accounts LLC Account Number : XXXX Current Balance : {$0.00} Dear XXXX XXXX : RE : Receipt for Payment This notice is to confirm that the above referenced account was PAID IN FULL/SETTLED IN FULL on XXXX Sincerely,

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-14 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Credit Karma, LLC
State: SC

Complaint narrative:
Hi, I was recently on credit karma reviewing my information and I noticed XXXX hard inquiries, as well as a credit card opened apparently in my name with {$950.00} tacked onto it. Until today, I have never heard of the bank nor opened any new accounts, seeing as I am deployed XXXX at the moment. 
Please help me resolve this. 
Thank you

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation