vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-07-09 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: U.S. BANCORP
State: IL

Complaint narrative:
I am submitting a complaint in regards to my personal checking account with US Bank. My account was overdrawn twice between the dates of XX/XX/XXXX. I made a deposit on XXXX XXXX and the balance in my checking did not appear as more XXXX on that date and nor did the daily text alert on my phone registered as my account being overdrawn more than XXXX. The following Monday on XXXX XXXX I check my account it seen it was overdrawn by XXXX and I check the transaction and notice the discrepancy. I contact to US Bank and spoke to a representative I which he refuse to waive the overdraft fees stating it was valid. When I explain to him I was not given the correct balance information from the ATM machine and daily text alert. He informed the text alert is not real time information but up until that date every representative assure me it was. I encounter this same problem back in XXXX of this same year, and when I went into a branch a banker waive the fee once I show him the information I have received as far as account balance. The representative informed me to go into branch for farther assistance. I went into a branch located in the downtown area of XXXX, Il. I spoke with a Branch Manager after XXXX minutes of digging through my account and asking me various questions that did have not anything to do with the issue I present to her refuse the waive the fees due to the discrepancy and through to admit it was a valid discrepancy. She proceed to tried to sell me a line of credit and than a secure credit card, which I found to be distasteful at the least. I think it was unfair not to waive the XXXX overdraft fees and especially after the branch manager herself stated it was a valid discrepancy but stated if they refuse to do it over the phone I am not doing it neither because you had XXXX in overdraft fees waive within a year which I know to be untrue. I had to file a fraudulent claim in XX/XX/XXXX and still have the documentation to support it.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-06 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: National Credit Adjusters, LLC
State: VA

Complaint narrative:
We continue getting calls from a XXXX # varies from day to day but its the same company National Credit Adjusters. # XXXX ; XXXX, the last phone call was from # XXXX. 
This morning they called 4 times iin a row. At XXXX, I answer, there is no response but I stated in the phone to remove our number from the call list. I hung up, the company called back 3 times ( XX/XX/2017 ) at XXXX. I answered and asked to be removed from their call list, the Rep stated they dont have a call list he was looking for a XXXX Again, I requested as I did the previous call ( XXXX ) that our number be removed from the call list, he repeated he was looking for someone, I told him I didnt know them and he continued to question me. This is ridiculous. Someone calling my home, harassing us. My elderly mother resides with us and she has XXXX. Every time the phone rings its bothersome to her.XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-02 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: IL

Complaint narrative:
I AM A XXXX THAT HAVE BEEN TAKE TAKEN ADVANTAGE OF THROUGH PREDATORY LENDING OVER THE YEARS, IN XX/XX/XXXX I REFINACE OUT OF MY VETERAN LOAN AND RECEIVE A RELEASE SEE EXH A RECEIVED MTG XXXX -EXH B RECEIVED MTG IN XX/XX/XXXX-EXH C ( ALLEDGED FOR XXXX, XXXX ) -EXH D NO ADDITIONAL CASH WAS GIVEN RECEVICED MTG FROM PARK NAT'L BANK FOR XXXX-EXH E ON OR ABOUT XX/XX/XXXX XXXX MORTGAGW WAS ASSIGNED TO U XXXX FOR XXXX ACCORDING TO THE RECORDS OF XXXX COUNTY RECORDER NO ASSIGMENT FROM XXXX TO SPS SEVERING IS RECORDED SPS CAN NOT OR WILL NOT COMPEL WITH A WET INK ASSIGNMENT, MORTGAGE OR NOTE STATING THAT THEY ARE THE MORTGAGE HOLDERS VARIOUS EMPLOYEE FROM SPS IS CALLING STATING THAT I OWE XXXX BALLON PAYMENT ACCORDING TO SPS STATEMENTS THEY CLAIM I OWE XXXX AT 10.850 INTEREST. 
I NEVER RECEIVED NOTICE OF AN ASSIGMENT FROM XXXX TO SPS AND SPS CAN NOT PROVE THEY ARE THE MORTGAGE HOLDER OR HAVE ANY INTEREST IN THE SAME I AM XXXXYRS OF AGE ON FIXED INCOME

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-17 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: I.Q. DATA INTERNATIONAL, INC.
State: CA

Complaint narrative:
Related Case number : XXXX Related Case Number : XXXX I recently contacted the original creditor to re-investigate the error from XXXX requesting an unpaid balance. Upon further investigation the original creditor found a mistake on their end and apologized for the mistake and inconvenience they caused me for that past four years. XXXX emailed IQ Data and myself the correct balance owed, which is {$18.00}. I have attached the updated and correct ledger showing the correct balance due of {$18.00}. IQ Data please mail a Letter showing the previous balance as incorrect and stating the correct updated balanced due. In addition, please add to the letter that the account is Paid and Closed and please delete this Mistaken account from my credit report as XXXX made the mistake and is at fault. But I 'm glad the issue has been resolved. Thanks ...

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
Consumer complaint received 2016-05-12 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: MD

Complaint narrative:
My mortgage company keeps showing a large outstanding balance online and in statements which is not due. Customer services keeps saying it is a glitch in their system and to ignore it. At this point I dont trust what I owe them and I want a full accounting of what I have paid to made sure it was applied properly. I want a full history for two years because this has been going on that long. I was behind and I think they are taking advantage of that.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-04 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: NY

Complaint narrative:
I complained befor about mortgage co sps, inc.they are now harassing me even more for more money. I have made all payments on XXXX of each month for last 4 years to XXXX WHO TRANSFERED ME TO XXXX WHO SENT ME TO SPS.NO ONE IS HELPING MY WIFE AND I. I ALSO HAVE HAD XXXX AND GET HANG UP CALLS AT XXXX EACH DAY. XXXX is misinforming sps about my account sps lied said everything was ok when XXXX XXXX called and assured us .then we got letters of foreclosure and that we owed more money and adding a XXXX late fee each time HELPPPPPP

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-15 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC
State: LA

Complaint narrative:
Date : XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Phone : XXXX Email : XXXXXXXXXXXX Nationstar Mortgage XXXX. XXXX XXXX XXXX, XXXX XXXX Phone : ( XXXX ) XXXX Email : XXXXXXXXXXXX Dear Consumer Financial Protection Bureau : Re : Loan Modification The sole purpose for filing this complaint is due to the amount of interest charged to my predatory loan. I have been unable to modify my loan after several attempts since XX/XX/XXXX. The loan was sold to Nationstar Mortgage and they told me I could modify my loan to lower my payments and prevent my home from being foreclosed. When I proceeded with the loan modification, I was told I owed about {$87000.00}. The loan amount has constantly increased, since my failed attempts to request modification. There are more unwarranted charges added to my loan that I do n't quite understand. I desperately need your assistance, not more debt. I am XXXX and the practices of Nationstar Mortgage and XXXX XXXX XXXX are unethical and aimed at taking advantage of consumers who are experiencing financial hardships. 

Furthermore, I applied for a loan modification with XXXX XXXX XXXX back in XXXX. I fully complied with all request but never got any resolution. So in my disappointment, I was told by a loan specialist with the XXXX XXXX XXXX, XXXX XXXX XXXX they lost my paperwork. Not to mention the fact, XXXX XXXX XXXX has a history of losing paperwork and delaying mortgage loan modifications. I was told there was nothing they could do to re-open my case. After submitting my paperwork again and waiting for the reviews and underwriter to make their decision, I was once again denied the modification because of lost paperwork and offered another forbearance. I am told different explanations each time I call and was actually told that they were awaiting a decision from the underwriters. This is gross negligence on behalf of XXXX XXXX XXXX 's part to avoid modifying my loan with the misplacing of paperwork as a stalling tactic. Then they conveniently transferring my mortgage to Nationstar Mortgage without my knowledge, while I am awaiting a loan modification. This is the reason why I am frustrated with XXXX XXXX XXXX & Nationstar Mortgage and now my mortgage is underwater. I would greatly appreciate your assistance in investigating this matter and remedying the unwarranted affects of foreclosure. 

Respectfully, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-07 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: AR Resources, Inc.
State: FL

Complaint narrative:
A representative from AR Resources contacted me sometime in XXXX and stated that they were trying to collect a debt of a hospital bill. They never provided account information they just stated the amount and immediately asked for account information to secure payments. I informed rep that I was currently at work and could n't even discuss a payment arrangement or any other info, she stated she will call me back at a later time. Two weeks later with never receiving a statement or bill from them stating the debt which I never received previously from the call, they placed bill to my credit. I spoke to lady several other times after asking why they did this when they never even gave me the opportunity to look at a bill or discuss payment arrangement outside of work and she had no reply.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-09 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: BB&T CORPORATION
State: MD

Complaint narrative:
BB & T processes debits to accounts before credits/deposits triggering unfair overdraft fees. This has gone on for years and they refuse to refund the fees.

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 2017-02-21 00:00:00
Product: Debt collection — Non-federal student loan
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ORG GC GP BUYER, LLC
State: CA

Complaint narrative:
A company by the name of GC Services called and said I owed them {$1100.00} for a student loan I have never had. All my schooling was paid for by the XXXX XXXX. The person I spoke to was XXXX XXXX and he said payment must be sent immediately or it would affect our credit. They were rude, demanding and knew my full social security number and birthdate. I told them it was not mine but did not want to speak too much since they record everything and seemed very strange to me. I recently found out they are scam. DO NOT SEND THEM MONEY or continue any type of conversation with them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-02-08 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Daniels Norelli Scully & Cecere, P.C.
State: NY

Complaint narrative:
I have been contacted by XXXX firms that claim I owe XXXX ( formerly XXXX XXXX ) {$1700.00} for a Sleepy 's purchase in XXXX XXXX. I had paid off other XXXX loans ( medical and other ) so when I was offered an account settlement I was most willing to pay the a lesser amount in two installments of {$350.00}. As agreed I did so and I do have the letter and subsequent payment documents. I was later contacted by a credit firm in XXXX, NY, XXXX, and explained the situation -- I had a solid explanation about the resolution. XXXX XXXX I was served by Daniels, Norelli Scully and Cerere. I explained the matter to their representative, XXXX XXXX asked me to fax the documents discussed to a " XXXX ''. I have the number and contact names. I wrote a followup on the cover to XXXX XXXX. I asked for a letter of confirmation. I did n't receive one, but was n't surprised. Not until this week did I hear from the Daniels firm. The paper work, a cover letter and an old letter " from XXXX '' were sent. It 's dated, insufficient work. A great problem for people is the insufficient, groundless information that causes firms like XXXX to join in without full knowledge of the matter. A firm like Daniels is just permitted to contact and harrass consumers without the proper paperwork. I remember seeing the issue on the XXXX XXXX. ... Something needs to be done. I 'd appreciate your assistance. I can easily provide documents. Thank you for your vigilance. XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-19 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: ORG GC GP BUYER, LLC
State: TX

Complaint narrative:
The collectors are calling a number that I no longer use! It is my parents phone number and I do not live there anymore nor do I use that phone number! I have my own personal phone number

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-21 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: GUARANTEED RATE INC.
State: IN

Complaint narrative:
In short.. our mortgage carrier failed to pay a bill from our escrow account that was submitted to them via email, which can be proven. Subsequently they force placed insurance that was almost 4x normal rates, despite having coverage through XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. They have only refunded a portion of the money and will not resolve the issue. We have been trying to get it fixed since XXXX. I have tracked our correspondence and we have at least XXXX phone calls and XXXX emails trying to fix the issue and they will not provide an answer/solution. They keep stalling and are going to raise our mortgage to " catch up '' on escrow despite the fact that they owe us a refund. They have since failed to pay the bill again to our insurance and our policy was cancelled, even thought they have all necessary information to pay the bill and the money is in escrow. My insurance provider has also saved records of correspondence and they just can not be trusted with this escrow account nor to pay the bills on time. Cancelled policies cost me more money out of pocket to reinstate them to the amount of XXXX XXXX I can provide copies of phone records and emails upon request. There are several and attaching so many may cause an issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-22 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: GUARANTEED RATE INC.
State: GA

Complaint narrative:
I have bill pay set up to pay my mortgage monthly to Guaranteed Rate. I have made XXXX payments, and both have been posted and mailed from my account according to my bank XXXX. Guaranteed Rate claims to have not received the XXXX payment, while XXXX has verified that the payment has been sent. Guaranteed rate now has listed my account as delinquent, and charged me a fee of XXXX {$.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-23 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: United Collection Bureau, Inc.
State: NY

Complaint narrative:
United Collection Bureau " Robo-calls '' my home phone number daily attempting to collect a debt from some one else whose former phone number I was likely assigned after a recent move. I have called them back several times and have left messages for them to stop these calls as I am a new person with the debtor 's former number. I even spoke to a gentleman there once and explained to him that the number they have on file is no longer for the person which they are still attempting to reach. Their calls have continued despite my threatening them with legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-08 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Medical Society Business Services, Inc.
State: AZ

Complaint narrative:
I received a call regarding an amount due from a emergency room visit XXXX/XXXX/XXXX in XXXX XXXX. I was fully covered by insurance at the time of the visit, however since treatment records were not submitted to the insurance company as requested multiple times the claim was never paid. After three months of attempting to get the documentation sent to the insurance company the office has been uncooperative and has not sent the information so the claim can be paid out however is still threatening negative impact on my credit. The insurance requested information several times, the most recent on XXXX/XXXX/XXXX and received no response or compliance to request.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-24 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: ONLINE Information Services, Inc.
State: VA

Complaint narrative:
I made XXXX previous reports about this issue and may have more information to add. Please refer to your file number XXXX and a report about what seems to be a phishing scam with the FTC number XXXX about a company calling themselves XXXX. Now on Saturday XXXX XXXX, we have received a similar call asking for the same XXXX party and where the party works etc. The number was from XXXX at Online Information Services, XXXX, NC and the main number is according to what i found on the internet, XXXX. They did not state why they want information on the XXXX party, and were told we do not know the XXXX party. I believe the call from this company and the other calls are connected, because the callers are asking for personal private information about the same XXXX party. This company did not say they were a bill collector, but from what i found about them they are a debt collector. I XXXX and found numerous complaints with the XXXX in North Carolina. What they are trying to do is get someone at my residence to share personal and sensitive and confidential information about an unknown XXXX party. We are also on the Do Not Call Registry

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-03 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ONLINE Information Services, Inc.
State: PA

Complaint narrative:
I continue to receive telephone calls from a debt collector threatening civil action. I have had my personal telephone number over 45 years. I do not owe anyone an money. I have asked this company to stop calling me and asking for a XXXX XXXX. This person does not live at my residence nor do I know of her. I called back at XXXX and requested information and told them to stop harassing me. The company is Online Services from XXXX N.C.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-20 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LENDER LIVE
State: NM

Complaint narrative:
In XXXX 2016 I sustained hail damage to my home. A claims adjuster inspected the damage and advised me a check would be issued to both myself and my mortgage servicer, Lender Live. Lender Live sent me a Loss Claim package that directed I send the endorsed check to Lender Live. Lender Live cashed the check on XXXX XXXX, 2016. Although I have Lender Live 's customer service more ten times, Lender Live has refused to send me any funds to repair my home. Lender Live acknowledges having received the package which also contains the check, and acknowledges having cashed the check, My insurance company, XXXX, also has a record of the negotiated check. I have written letters to Lender Live, e mails, and calls, all to no actions on Lender Live 's part.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-06 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: CAVALRY INVESTMENTS, LLC
State: TN

Complaint narrative:
Cavalry Portfolio Services is suing me for non payment of a XXXX XXXX XXXX Credit Card they claim they purchased as a charge-off in 2009. I have never had a charge off from XXXX XXXX XXXX. My credit reports show that both my XXXX accounts were closed by me and paid in full. The alleged charge-off would make this debt fall outside the statute of limitations in the state of TN. I feel I am being sued in hopes that I do n't present a defense, resulting in a judgement against me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-02 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: CNG FINANCIAL CORPORATION
State: AL

Complaint narrative:
I 'm a victim Indentity Theft and this company is reporting wrong information to the credit bureua under my name.

Company response to consumer: Closed with explanation