vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-04-04 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: GMFS, LLC
State: LA

Complaint narrative:
GMFS issued XXXX separate escrow payments to our parish taxes both in the same amount of {$1000.00} on the same day. So a total of {$2000.00} was deducted from our escrow account. Immediately we contacted GMFS to notify them that they needed to correct the issue. They stated that a stop payment was placed on one of those checks and that they would refund the {$1000.00} to our escrow account within 30 days. They have not returned the {$1000.00} to or escrow account and have adjusted our mortgage payment higher than our contract dated on XXXX/XXXX/2016. Our escrow balance should be {$1900.00} and instead it is $ XXXX They have not resolved the issue and I would like to file a formal complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-01 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Santander Consumer USA Holdings Inc.
State: MA

Complaint narrative:
Read in the article the Santander auto loans is beign suit by the government for charging high interested rates to consumer and lie to investor that consumer is willing to pay for the loan

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-29 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: CITIBANK, N.A.
State: CO

Complaint narrative:
Fraudulent applications at Citibank in my name and soc sec #, including a fraudulent address, have not been cleared by Citi at XXXX or at XXXX I submitted an FTC Identity Theft report on this XX/XX/XXXX, no action resulted, and resubmitted to Citibank on XX/XX/XXXX ; Citibank would only delete an entry they say was XX/XX/XXXX but not one they say was XX/XX/XXXX. I can not reach anyone at Citi who will address this issue as it involves a checking account? - I do not know and was never notifed by them of this at any time. Citi is not communicating with me in any way and I can not reach anyone there by phone who can assist. I just resubmitted an FTC report showing Citi fraud started XX/XX/XXXX but do not know if this is going to help

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 2015-12-16 00:00:00
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Commercial Recovery Systems
State: AZ

Complaint narrative:
I want to begin by stating the following story is not an exaggeration. For the last 6 years and I repeat, 6 years, a company known as Commercial Recovery Systems ( CRS ) calls me and states I have an outstanding payday loan. I have never received a payday loan. Back in 2008 I was the victim of Identity theft and hired an attorney to take care of everything regarding false loans. I have sent this paperwork to CRS over the years multiple times. 

This year the calls have increased. I receive a call from CRS XXXX times per week. Each time I answer they tell me the debt is mine, they have court papers they are serving me, they are going to garnish my wages, and much much more. When I try to explain to them that they have the wrong person, they tell me I am a professional debtor and I need to pay my debts. 

I am going mad over the harassment. No one I contact can sue these people. Each attorney I have contacted says this agency does not respond to court documents. How do I stop them? I am asking the FTC to provide me with peace and quiet. Please stop this company who is in constant violation of the Fair Debt Collection Practices Act. No one should be treated the way I am being treated. I have been dealing with this agency since XXXX. It seems like every other year they re-vamp and begin harassing me. I am becoming fearful and I do not know what to do. I have had to freeze my credit bureaus in order to avoid any further identity theft incidents.

Company response to consumer: Untimely response
Consumer complaint received 2017-03-25 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I was XXXX overseas in XXXX and I made a purchase on PayPal for some documents for my XXXX online program. I called and told PayPal that I did not receive the document. I also did not have access to the document.They said it was sent. I had previous document purchases with success. This time it failed and customer service said it was not them. PayPal still tried to charge my bank account. I stopped the transaction and filled out a report with my bank. My bank did not pay. 
A year later, I am in a new country, and I get a letter from XXXX. I wrote them what happen and I got no reponse by them. In my letter I wrote I desputed the allegations with PayPal. I received no letter from PayPal, so I assumed the problem was resolved. 
Another year ( XX/XX/2017 ) later I get another letter from XXXX asking for settlement for XXXX on the PayPal account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-28 00:00:00
Product: Payday loan — 
Issue: Charged bank acct wrong day or amt — 
Company: CURO Intermediate Holdings
State: TX

Complaint narrative:
lender kept charging double the amount and on the wrong day. They did this three times so I had to block them from my bank. The refused to resolve the issues of overdrafts on my account because of this so I refused to pay them anymore money. Now they are threatening me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-29 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Indicated committed crime not paying
Company: HW Holding, Inc
State: TN

Complaint narrative:
I received a letter on XX/XX/2017 stating I owed a debt. I called and told them I was disputing it, and requested all information, and proof of debt to be mailed to me. The person refused to give me a email address, but stated he would put the dispute into action. 

XX/XX/XXXX I received a 2nd letter, and called again. They told me they had no record of my previous call, and that I would have to email them to dispute the debt. When I made a point to complain that they failed to provide any information to me within 30 days, they stated that I should not be able to dispute the debt since the debt was more then 30 days old. This is not true, and misinformation about what the law states. I then emailed the collector with the email address provided on the 2nd call. 

I feel they are trying to give misinformation about my rights, as well as " lose '' records of my previous conversations.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-28 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: PNC Bank N.A.
State: GA

Complaint narrative:
I disputed a XXXX charge from a PNC Bank checking account. Letter dated XX/XX/2016 from PNC Bank denied the claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-06 00:00:00
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: Rocket Mortgage, LLC
State: TX

Complaint narrative:
Representatives tell you to sign and they have different numbers, that we are only signing estimates, then we put down the good faith deposit, which since we wanted better numbers, he said he would get them to us before they processed the withdrawal, we received the charge immediately, but did n't have the estimates to say if we wanted to even continue with the loan. stated we would get the full {$500.00} deposit back, since we were not doing the appraisal, and I advised them on credit fee as well. They agreed to do the full {$500.00} back, but as of now, they said what ever the rep said over the phone did n't matter because they have a written confirmation that says they would take out fees. Also the loan has been withdrawn and they state they will not release or start to process those funds back to us for over 10 days! we were told this would be immediate, but as stated again, they refer to the agreement which does n't have a date, it literally says when your loan is withdrawn you will be refunded, not 10+ days later.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-12 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Innovative Collections, LLC
State: CA

Complaint narrative:
Innovative XXXX XXXX has contacted me on a credit card debt in which they are trying to collect. I have received multiple calls from this company in which they state my name, my mailing address and advise that they are sending out immediate paper from the court county clerks office, If I dont answer the phone they contact relatives and if no answer this is a message that they leave on the answering machine services, they never disclose who they are when they call and they just repeatedly harass me over a debt that is past the 4 year statute of limitations in the state of california, I was able to locate who this company was by reverse look up of the phone number. I have never received any written correspondence from this company just harrasing phone calls. Everytime I speak with these individuals they say somethings coming and nothing ever does just using tactics to scare me.

Company response to consumer: Untimely response
Consumer complaint received 2017-04-06 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ZWICKER & ASSOCIATES
State: FL

Complaint narrative:
My wife and I planed to have a screened in room built in XX/XX/XXXX, a man came out to my home from a company XXXX and went through everything with us the cost was {$10000.00} we signed paperwork for a loan from XXXX, we never heard from the bank or XXXX. 30 days later we received in the mail a bank statement for the amount of {$5000.00} to be paid to XXXX We called XXXX but could get any answers to why we own money come to find out XXXX went out of business and somehow had gotten money from XXXX ( scam ) and the bank is trying to collect money from us we hired a lawyer to look in to the matter but its been so long ago we though the case was done and free of the bank until it showed up on my credit report judgment XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-05 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
I am going through a divorce currently and was required by the courts to pull my credit and show any and all joint accounts. Upon doing so I realized there are numerous accounts and inquires on my credit reports that were not done or authorized by myself. The account 's show addresses and information that is not my own nor ever authorized by myself. I currently reside at XXXX, CT XXXX yet these accounts are literally all over the country. I have attached a police report advising several accounts and inquires that need to be removed. I would also like a free updated credit report sent to my address once these accounts are removed as required under FCRA. I will list the information I see that needs to be removed. I have followed the law to a T and these accounts need to be removed within 30 days without question. 

Accounts : XXXX. 

Inquires : XXXX

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

Complaint narrative:
unable to secure checking account because of information on credit report of Equifax. made several attempts to have information cleared but no response from Equifax. This information on credit report is related to notice of class action settlement. Case XXXX vs Equifax. Case # XXXX Violation of Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-06 00:00:00
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: Zenith Financial Network Inc
State: TX

Complaint narrative:
this company zfn and associates have been threaten me to go to jail also have faxed my job asking for my routing and bank account

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-04 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: U.S. BANCORP
State: CA

Complaint narrative:
I have an case on finacial production case XXXX and now us bank charge me overdraft fee {$39.00} for being overdrawn because of XXXX being unauthorized and now this bank will refund me. I have alerts on my checking account and this time my account was overdrawness on XX/XX/2017 and my alerts notify me on XXXX and because I made a deposit on XXXX on XXXX was charge XXXX. And they now telling me email alerts going out 24 hours and I should set up the alerts by text message this is wrong.

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 2015-09-16 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: Casesa Bowden Barlow, P.A.
State: FL

Complaint narrative:
collection attorneys attempting collection of an auto insurance balance that is not legitimate. XXXX XXXX screwed up a cancellation and reissue of a policy to a cheaper insurance company, claims I needed to submit copy of my old policy and new dated policy pages, which I had done and will not do again. Their error not mine

Company response to consumer: Untimely response
Consumer complaint received 2017-03-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Nelnet, Inc.
State: TN

Complaint narrative:
Navient contacted me in XX/XX/XXXX and told me myou loans would probably be forgiven if I filled out the paperwork they were going to send me. I asked them 3 times on that call if I should at least pay my past due so that my tax refund would n't get taken. They said do n't worry about anything, your loan will be on hold until XX/XX/XXXX this way. Just fill out the papers. So we did, we filled the papers out and sent them back in. We sent them in XX/XX/XXXX. They said we had to send them before XX/XX/XXXX. We did everything ahead of time. We filed taxes and they took our entire refund due to me being delinquent. I have a paper right now that says my loan is still on hold but I do n't have my tax return! I 'm XXXX, my wife had to file injured spouse, the whole refund was hers anyway. My XXXX court date is XXXX XXXX. I have a totally legitimate complaint against Navient. They consistently lie. I never asked for forgiveness. I bet we probably qualified for one of those Income driven Repayment plans too! My {$4000.00} loan turned into {$8500.00} somehow! They are crooked, liars and they 're stuck up on the phone usually. Like I 'm not good enough! Now the loan is totally paid off but we ca n't pay any bills at all right now because they took every penny! We were counting on that refund. My wife is in school because she has to make up for my missing Income. We are broke because of Navient! They 're evil!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-27 00:00:00
Product: Mortgage — Other mortgage
Issue: Settlement process and costs — 
Company: Alpha Title, LLC
State: KS

Complaint narrative:
Alpha Title did not transfer the funds to my bank after the closing. As the seller of a house, I went to Alpha Title to close around XXXX on XX/XX/2016. All paperwork was signed, but the Escrow Officer dated the paperwork for the next day, as she told me she could n't issue me a cashiers check or transfer the funds that day due to the time of day. She said the post dating was just a formality when I questioned this. About an hour later, I was informed from my realtor that the sellers agent ( who is a good friend of the Escrow Officer ) called the escrow officer and told her not to transfer the funds, as the new owners found some surface mold in the basement and were concerned. The closing was completely finishined. I would have not given the new owners the keys yet if I knew the Title Company could just not transfer the funds because the seller realtor told them not too!

Company response to consumer: Untimely response
Consumer complaint received 2017-04-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: HEARTLAND PAYMENT SYSTEMS INC
State: IL

Complaint narrative:
I set up payments on my loan through my bank, XXXX. My monthly payments started on XX/XX/XXXX, and continued to be sent on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Although the amount due was only {$40.00} each month, I 've been paying {$100.00}. Heartland ECSI, my student loan provider, processed the first two payments correctly, but claim not to have received the last two. I 've provided them documentation from XXXX, confirming the payments, but they have n't been able to resolve the issue over the last two weeks. I feel like they are dragging their feet on a resolution. I am now making a payment of {$88.00} to bring my account current, but no one seems to know where the {$200.00} has gone. It is my preference to continue paying through Bill Pay, as I pay all of my bills that way.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
I attended XXXX while serving in XXXX, the pricing was getting taken care of by military benefits. I then went XXXX, I return home after being XXXX to find on my credit report Navient. Not only are they reporting negative information on my credit report when they should n't be they called family members harassing them. They got their numbers from old student loans from XXXX XXXX including my fathers when he has n't been in school and done with loans for years. They called my grandmother and let me tell you I got an ear full from her, saying I gave out her number and how disappointed she was in me. For what for fraudulent charges by some company I have no responsibility too. Not only all of this I also find the amount they are trying to " collect '' does n't even make sense. So apparently Navient wants to be known for taken advantage of military veterans and scamming them out of their money while ruining their lives!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-28 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: FAIR COLLECTIONS & OUTSOURCING, INC.
State: FL

Complaint narrative:
Fair Collections is reporting on a debit that is n't mine and in another name. They have been sent several letters and it has been disputed with the reporting agencies to no avail. They continue to verify the debt without producing evidence bearing my signature or a break down of line items.

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 2017-03-28 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: FIRST NATIONAL BANK OF PENNSYLVANIA
State: PA

Complaint narrative:
I was signed up for email and text alerts for various account situations. I was getting them just fine. Then they stopped delivering any over draft alerts. This has resulted in many over draft fees and their research department has yet to be able to determine why they stopped. They refuse to refund my fees even as they conduct the research and are admitting that the account functions they advertise do not work correctly.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-12-16 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Emerald Coast Collections, LLC
State: FL

Complaint narrative:
I have no knowledge of said debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-22 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: AFNI INC.
State: VT

Complaint narrative:
ACME, a 3rd party collection agency has apparently purchased debt collection from a debt I have with XXXX which I disputed and which they ( XXXX ) refused to dismiss and instead sold out for collection. 

ACME has called from the phone number ( XXXX ) XXXX multiple times. I have asked them to stop calling me and told them they are I have not authorized them, XXXX or any other prior debt collector who purchased this debt to contact me on my home or cell phones. Each time I tell them this they argue with me and they persist in calling even though I have told them that doing so is illegal and I would report them.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-21 00:00:00
Product: Student loan — Non-federal student loan
Issue: Getting a loan — Can't qualify for a loan
Company: Williams, Rush & Associates, LLC
State: MS

Complaint narrative:
I took out a student loan to attend XXXX in XX/XX/2011, after deciding to withdraw from the program I cancelled the loan before it was disbursed, which in turn made me liable to the school for a bill/ loan I do n't feel obligated to pay since the school used misleading information to boost enrollment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-11 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: National Processing Group LLC
State: IN

Complaint narrative:
I keep getting calls from XXXX saying they are looking for me. They are also calling my parents home. I have no idea what this is about but the calls are very threatening and annoying.

Company response to consumer: Untimely response
Consumer complaint received 2017-03-04 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Midstate Collection Solutions, Inc.
State: IL

Complaint narrative:
Debt was paid by the department of veterans affairs, I 'm on XXXX % XXXX the VA set up and paid for this, they need to get in touch with the department of veterans affairs.

Company response to consumer: Closed with explanation