vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-04-06 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: TENET HEALTHCARE CORPORATION
State: CA

Complaint narrative:
On XX/XX/2015 I received a letter from a debt collector ( Central Financial Control ). Upon receiving this letter I sent back a debt verification letter asking them to verify the amount they insisted that I owed. Central Financial Control never responded to my request for deb verification. Just recently the debt that they never verified has shown up on all of XXXX of my credit reports ( XXXX, XXXX, and XXXX ). After calling them to inform they still have not verified the debt, they insist no mistakes have been made and that I simply must pay the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-30 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
Although I had available line of credit {$3700.00} I attempted to make a purchase in the amount of {$840.00}, from XXXX and the purchase was declined. According to XXXX Bank of America ( BOA ) denied the purchase. I immediately contact BOA and asked why the purchase was cancelled or declined according to BOA they had no knowledge of the declined although I had a copy of the cancelled purchase order. BOA referred me back to XXXX. After going around in circles I immediately cancelled all purchased with XXXX and again reached out to BOA and explained the problem. BOA then placed an hold on my account in the amount of {$840.00}, and refused to removed said hold denied use of my full line of credit. BOA claimed the hold would drop off within 48 hrs. The hold was still on my card a week later, I again reached out to BOA explained I did not make the purchase, I wanted to use my entire line of credit and asked BOA to remove hold which they refused. 
The BOA placed the actual charge on my card and charged interest for the purchase and still refused to remove said charge with full knowledge I did not place the order, the order was declined and no merchandise was delivered.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-09 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
My property was sold. It was agreed with Bank of America that I would not have derogatory information reported to credit reporting agencies due to the XXXX balance of the transaction. 
That appears to be an inaccurate promise from Bank of America. XXXX and XXXX has derogatory information from XXXX and XXXX on my credit file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: ACS Education Services
State: GA

Complaint narrative:
Navient forc ed me into forbearance and then to consolidate my loans with another service provider.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-30 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
I recently refinanced my mortgage with Bank of America. They offered a XXXX Payment a year plan which I opted to participate in to help me due to the fact I have XXXX mortgages at this time due to a recent divorce. My first application for this program was XXXX XXXX and it was to take place XXXX XXXX for the first deduction from my bank account. My loan number with BofA is XXXX. This never happened as I was told it would. I reached back out to the bank and they told me I had to pay the loan in advance again and they would start it in XXXX on the XXXX and XXXX of that month. Again it did not happen. I again reached out to Bank of America and spoke to another person. Each one of these representatives indicated the application was recieved and they appologized but the same thing pursued. I had to pay the following months payment in advance and they would try again. So I have done this every month since XXXX and again after their one Representative and Supervisor XXXX XXXX XXXX assured me he would make sure it would not happen again but I would need to make the payment early and this would all happen in XXXX. Much to my surprise nothing was taken out of my account and I called XXXX back. He told me he also elevated this to his superiors and again nothing was set up. It was indicated to me several times it was due to representatives at the bank not following up on the request and their people failing to make sure this was implemented. I have been told 5 times that if I make the payment early they will get the payment program set up. I have had it with their failed commitments to implement and have elected to report them for false promises and failing on multiple occasions to set up a program I have been told would be set up. I want this set up once and for all. I 'm tired of all the games that are being played. I have been miss represented by this institution multiple times.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-05 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LoanCare, LLC
State: CA

Complaint narrative:
We bought our home and it closed escrow on XX/XX/XXXX. The home belong to XXXX it was a bank own property. We got a home loan with XXXX the loan was set with out impounds just paying principal and interest. On XX/XX/XXXX, I received a letter stating that an escrow account had been set up for a loan because some taxes were owed. I called the mortgage company and sent them proof that i am up to date with the taxes and insurance. I found out the taxes were owed by XXXX please see attached tax statement. On XX/XX/XXXX XXXX sold my loan to Loancare who raised my monthly payment from {$1200.00} to almost {$1900.00} raising my payment by {$500.00} a month for taxes and insurance that are up to date. I had XXXX negociate with Loancare, Please see attached documentation all taxes and insurance are up to date and Loancare refuses to remove the unessesary impounds. Loancare has ruin my credit and sent me a letter that my home is in defult. I continue to sent my agreed monthly payment but Loancare delays the payments and make one payment out of two. Please help me I have been diagnosed with XXXX and it is very difficult to continue to fight with the bank. They have acted without any regard for the proof and I keep getting herrasing phone calls and letters. I have not done anything wrong, the back taxes should have been paid at the time we closed escrow. I have kept all the mandated agreement and my account and payments are up to date. Loancare refuses to accept any proof and continues to damage my credit and are treatenning to forclose my home.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC.
State: WI

Complaint narrative:
I stopped reaching out to them as how to apply my funds when I was making huge payments. I consolidated and they told me everything would be fine, and after looking harder, some of my interest rates tripped, I could not believe it! They are crooks and wo n't even give me a chance to pay back loans, they just want money ( same thing with XXXX, same company different name, they never answered any questions coherently, always trying to confuse and never be straight with a borrower ). I was paying close to XXXX, and I saw my balance go down XXXX-XXXXdollars, how can that be FAIR or RIGHT. SO much for me owning a home or become self reliant as I have student loans overtaking my earnings. There needs to be change, as we are trying to become productive adults, but not when all of a sudden my monthly bill went to XXXX dollars, great. That is what I have to pay this month. We need honest NOT FOR PROFIT loan services, as all they do is take advantage of the educated, and reap huge profits by making our lives even more entrenched in student debt, instead of helping adults get out of the debt. Now payment rules changed to 15 % of discretionary income???? Why do new borrowers get treated better by only having them pay 10 % of their income a month. I do not understand why there is so much bureaucracy, and all it does is hurt the middle class! I hope CFPB can help us normal people, as we have no one else to help defend us from servicers that take advantage of normal people, just to line their pockets outrageously!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-30 00:00:00
Product: Debt collection — Credit card
Issue: False statements or representation — Impersonated an attorney or official
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
XXXX, a company in XXXX, California posing as a collecting agency for JP Morgan Chase bank, collected money I owed Chase bank but did not pay this money to Chase bank. Chase bank denied XXXX was their collecting agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-31 00:00:00
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
Chase Bank while I was traveling on the road in XXXX without notice shut down my debit card and account last week without explanation. I had no means of using another debt card while traveling alone on the road. I also have no access to banking information. 
I was inquiring about a claim that week because the bank has taken too much time to resolve XXXX outstanding claims exceeding {$600.00}. I met with a banker, upon my return to XXXX, and the Branch Manager clearly stated that he did not know why my account was shut down ; and did not notice any unusual activity. In fact, the bank did not even give the banker a reason. I could not use my Debit Card at all and had a recent balance of {$940.00}. I had to withdrawal funds from my checking account this week of {$230.00} and have funds missing without even a withdrawal from my previous balance. I recently contacted the claims department and claims clearly, stated, " that the investigation of my claims will take 45 days '' when this time frame has already lapsed. 
I find this type of conduct from a bank unlawful, and I had no means to travel with a card to use for a car rental, which cost me {$250.00} of added travel expenses in order to obtain another card for a car rental, because I had to extend my stay.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-04-13 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: Marauder Corporation
State: CA

Complaint narrative:
I signed up for a " Free Trial '' online disclosing all my information including my name, address and credit card number. A couple of days later I received an email saying that they had charged me {$79.00} on my credit card, so I had cancelled my membership in hopes of not having to pay the charge because I had not seen any information saying that they would be charging me for a product I had not even used.

Company response to consumer: Untimely response
Consumer complaint received 2017-04-03 00:00:00
Product: Prepaid card — Mobile wallet
Issue: Adding money — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
I wired money to PayPal from my bank on XXXX. The money was withdrawn from my bank on XXXX XXXX. I checked my paypal account on XXXX XXXX and the money was n't there. I called them and was told it takes 3 to 5 business days to get the money and was informed the money would be credited to my account on Wednesday at XXXX. When I told them that was not acceptable, they told me that that was how ACH works. I know this not to be the case as I make 2 or 3 wires a week. Usually the money is there the same day or the very latest the next day.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-16 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Citi Management Group, LLC
State: LA

Complaint narrative:
Left a message on my mother in laws phone threatening legal action against me. No one would give any actual information and the person who left the message, XXXX XXXX, according to XXXX XXXX, is no longer employed there. Called under the guise of City Management Group. They XXXX people 's names and call anyone who shows up as a relative with a public number. They could not reach me because my number is not published but they called my mother in law and left a message because her is.

Company response to consumer: Untimely response
Consumer complaint received 2016-04-05 00:00:00
Product: Payday loan — 
Issue: Can't contact lender — 
Company: ACC Management, Inc.
State: AL

Complaint narrative:
I have a judgement listed on my credit report for 1 Stop Cash from XX/XX/XXXX from the XXXX Al Location. Well i dont remember any details from this account its says that I owe {$410.00} to this place. Well the issue here is is I applied for a mortgage and this judgment shows on my credit. The mortgage company wants me to satisfy this judgment before they will enter the homebuying process with me. I went to this location of this alleged one stop and its out of business since XX/XX/XXXX. then i proceed to the courthouse for more information and all they had was a docket # with no details and stated that I had to pay the owner. Well if the owner is nowhere to be found how can i settle this debt. I 'm not trying to avoid the payment i just want a home as i will soon be homeless. My landlord gave me thirty days to purchase this home because he wants to sell it. If i ca n't pay the courts and ca n't locate the owner this situation can never be rectified. It my understanding that a public record stays on your file for at least 7 more years after its satisfied well that means if the owner supposedly dropped off the face of the earth then it will remain permanently. I 'm severely irritated by this matter and it causing me extreme stress. As a consumer who wants to start over and right any wrongs that may have occurred i feel as though I 'm not afforded that opportunity to do so. Someone please help me in regards to this matter I desperately need assistance thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-18 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: D. SCOTT CARRUTHERS
State: AZ

Complaint narrative:
Law office of Scott caruthers. Claiming I owe XXXX XXXX. Have never ever dealt with XXXX. Rude, threatening, obnoxious

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-02 00:00:00
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: High Point Asset Inc
State: IL

Complaint narrative:
XXXX XXXX started calling calling me last week after I applied for a loan online I do n't know the company I have no outstanding loans with anyone they claim that I have an outstanding loan from 2011 XXXX and XXXX witches a scam I have no outstanding loans with anyone they do have all my personal information including my social security and the only evidence they 've given me is made of letters from their end high points assets inc is the name of the company

Company response to consumer: Untimely response
Consumer complaint received 2017-03-30 00:00:00
Product: Payday loan — 
Issue: Can't contact lender — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: RI

Complaint narrative:
XXXX XXXX using ace payday loan as their own name to collect funds not owed to them. Ace was not aware of them using their name. I asked consumer financial to stop calling me but they wont.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-05 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have submitted several disputes regarding the balance on XXXX, XXXX, XXXX, and both XXXX accounts. I have sent verifications from original creditors and the bureau has failed to update. This is a violation of my rights and defamation of my character. Please update or remove entirely until you can verify updated records.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: UMPQUA HOLDINGS CORPORATION
State: OR

Complaint narrative:
My mortgage lender Umpqua Bank has engaged and conducted an illegal foreclosure sale. Umpqua Bank has failed to follow the guidelines and policies and procedures that MUST be followed when servicing a government insured FHA loan. A denial letter that was received indicates that if an appeal is requested, that there is a 30 day appeal review period, and Oregon and federal law prohibits a foreclosure sale to be conducted prior to the expiration of this appeal period. However, Umpqua Bank and law firm XXXX neglected to consider this and moved forward with and conducted an illegal foreclosure sale despite the fact that an appeal was requested. I have attached documentation to back up this assertion. 

Additionally Umpqua Bank and XXXX failed to offer Occupied Conveyance as an option. The Occupied Conveyance paperwork was never provided for me and this option was never offered, even though FHA and HUD REQUIRE that FHA loan servicers provide this option. 

I have owned my home in XXXX Oregon for sixteen years. I refinanced into an FHA mortgage loan that is serviced by Umpqua Bank, and after being injured on the job and forced to take an early retirement have been trying to resolve a mortgage delinquency with them. On multiple occasions I asked Umpqua Bank to work with me and consider me for all of the government FHA programs that they have available. They told me on XX/XX/XXXX that I was denied, but I believe significant errors were made so we requested an appeal. I believe that if I were given the option of a review based on my appeal and the chance to point these errors out that I would have had the denial overturned and gotten approved.

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 non-monetary relief
Consumer complaint received 2016-10-11 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Threatened to take legal action
Company: Commercial Recovery Systems
State: AZ

Complaint narrative:
CRS contacted my elderly parents home in Illinois threatening them that they are going to sue thier son if he does not handle the debt. The person we spoke with was XXXX at XXXX. This company continues to harass my parents and threaten them rather than me which I would prefer. However this company is know for these tactics and has been brought to suit by the FTC for the same behaviors. I can not upset my elderly parents with this ridiculous behavior and threats. They do no need to worry about me. This tactic is scaring them and causing XXXX for them and it is despicable. I myself suffered my XXXX on XXXX XXXX, 2016 due to XXXX and I dont need this happening to my parents. They also discussed my debt with my parents. Telling them if I dont call they will sue me? Unacceptable

Company response to consumer: Untimely response
Consumer complaint received 2017-04-09 00:00:00
Product: Credit card — 
Issue: Other — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY

Complaint narrative:
Please see complaint for background : XXXX. This is still not resolved ; I am unable to find attachment CFPB tells me is bank 's response. Problem was 1 ) bank 's cancelling of my checking account with no warning for no reason other than I did n't comply with something I had complied with. Since then I accidentally learned checking account is open AND THEY ARE BILLING ME MONTHLY FOR EMPTY ACCT & gt ; X 6 MOS. ( wondering now, if they had to bury that account for some reason related to the XXXX XXXX subsequent thefts via ATM they did n't happen to notice. ) This, now, is the new complaint about the HSBC credit card # XXXX they canceled, which I earned about a few days after they canceled the checking account, causing me another ton of problems not limited to screwing up my credit reports and billing me 30 % PER MONTH NOW A SIGNIFICANT INCREASE!!! ( this is why I am currently late with payment because I want to resolve this first. ) BTW, just before HSBC cancelled all my accounts I was going to transfer my other cards to this card partly due to the good, previous, rate. 

HSBC should be penalized and I should be compensated for the troubles they 've caused me that it has taken e 6 months now to try to clear up. I am not a well person.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-01 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: Santander Consumer USA Holdings Inc.
State: NY

Complaint narrative:
first it 's a used car. when i applied for the car loan, the price of the car was {$12000.00} and when i signed the papers the price became {$16000.00} for 72 months. after 1 payment they added another month and now i have 73 month. after 4 payments the amount is still the same. it 's like i 'm not paying nothing. i think they are trying to steal my money. i gave them a deposit of {$2500.00} and i dont know what they did with that money. please help me. my car loan is from santander consumer usa

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-09 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated committed crime not paying
Company: First Collections Inc
State: MN

Complaint narrative:
I received a letter about an unpaid debt ( which is not real - I have no unpaid debts ). The letter threatened wage garnishment unless I paid them, or I could give them all my dependents ' names and Social Security numbers to have the amount reduced. This is an incredibly obvious scam, but I can see people still falling for it.

Company response to consumer: Untimely response