vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-06-11 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Application, originator, mortgage broker — 
Company: REGIONS FINANCIAL CORPORATION
State: FL

Complaint narrative:
I presented a loan application for a Equity line of credit against an investment property, after I interviewed with XXXX XXXX, in Regions Bank I have been banking with then about 5 years or more, and he told me I should be able to qualify without problem after he reviewed all my documentation. I made {$110000.00} yearly, I have been in the same job for 3 years, in the same line of work since 2001, the house is free and clear and they will have XXXX lien position. 
I have a credit score of XXXX according to credit report they pulled from XXXX, they told me the score required for qualification was XXXX but they still denied me because they said their " custom credit score is only XXXX!!!!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-19 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: BANK OF THE WEST
State: CA

Complaint narrative:
I opted out of debit card overdraft protection with Bank of the West because I thought that it meant that any payment from my debit card would be declined if I did n't have enough funds. According to their website, overdraft protection covers automatic payments and recurring debit card transactions. I forgot about an automatic debit payment that the bank allowed to go through, totally my fault for forgetting, but I became overdrawn by {$7.00} so they charged me a {$35.00} fee. When I called to find out why and to have them explain it to me, one person told me it was at the bank 's discretion to allow things to go through and then she hung up on me so I called back and another person told me that it did n't apply to automatic debit card transactions but from what I understand it does.

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 2017-03-29 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated an attorney or official
Company: American Credit Resolution, Incorporated
State: GA

Complaint narrative:
American Credit Resolution inc. 
XXXX XXXX SR Account Manager XXXX Paid {$200.00} to this company because they were threating me. My wife thought she was paying a loan I requested but it was all a scam. How do I recover {$200.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-09 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: REGIONS FINANCIAL CORPORATION
State: TN

Complaint narrative:
I filled my account was single out as a test case to entrap older bankers or those who are under educated about the Banking process, in the very low-income area of XXXX, TN Beginning XXXX XXXX, 2015- XXXX XXXX, 2015 which cost me a heaping total of {$330.00} during the above time-line ; although they credit me {$180.00} back into my account I still filled violated and robbed of {$150.00} by my own bank also used!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-21 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: AFNI INC.
State: TN

Complaint narrative:
This account was open in my name without my consent. I am not responsible for this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-10 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: EOS Holdings, Inc.
State: NY

Complaint narrative:
XXXX started sending me a bill for an account that is not mine. I do not have XXXX. I have XXXX XXXX and XXXX XXXX XXXX. No landline. XXXX failed to produce any proof that this account is valid and not fraudulent. I contacted XXXX four times and they obviously ignored me. 
XXXX Account no. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-13 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: BANK OF NEW YORK MELLON CORPORATION, THE
State: NY

Complaint narrative:
There where Fraud on XXXX ( XXXX ) Credit Cards ; XXXX which was never activated by myself. 
XXXX XXXX XXXX Issued By Bank of New York and No. Pin requested or Card receivedCard No. XXXX BNY Mellon Florida for the sum of XXXX ( card No.was obtain through XXXX Fraud Dept. Activated XX/XX/2015Shell Fuel Rewards Card No. XXXX XXXX XXXXCard No. XXXX Never Activated in My Possession at the time usedCard used XXXX/XXXX/2015 thru XXXX/XXXX/2015 For the sum of XXXX XXXX Issued By XXXX XXXX Card No. XXXX XXXX XXXX XXXX in my possession. Card Used on XX/XX/2015 For the sum of XXXX Total XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-08-18 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Trans National Credit Corporation
State: FL

Complaint narrative:
Please reference consumerfinance.gov Case number : XXXX - I have not heard back about this case and Trans National Credit Corp. has not provided me with any proof that this debt is mine. They refuse to provide evidence and it seems that they can not even be vetted by Consumer Financial Protection Bureau. The 30 days have long gone as this dispute was submitted on XXXX/XXXX/2016. When is this going to be removed from my credit??? They refuse to provide the emails they say contain information that the debt is mine. PLEASE HELP!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-15 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Called after sent written cease of comm
Company: Ability Recovery Services, LLC
State: TN

Complaint narrative:
When requested validation of debt a rep by the name of XXXX XXXX screamed at the top of her lungs and told me to pay my bills after calling me XXXX I requested twice for debt to be validated still no response requested this within 30 days allowed. This company placed on my credit report without validating debt with me and also I stated I do not deal with third party collectors. They have still harassed me to the point I had to block their number. And mail a letter stating that if they continued to contact me I would file a complaint and or seek legal counsel. I do not owe this debt I advised original creditor to validate the debt and they refused to validate debt in writing.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-17 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Commonwealth Financial Systems, Inc.
State: CT

Complaint narrative:
Over the last 3 weeks I have been receiving XXXX5 calls a day from Commonwealth Financial ( CFS ) A collection agency. They are asking for a XXXX XXXX XXXX whom I do not know. I have told them them 5 times now that I do not know this person and to stop calling me however the calls continue. 
Some of the numbers are : XXXX, XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-21 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Creditors Specialty Service Inc
State: OR

Complaint narrative:
there was so many that applied on the above I just picked an action, This company has reported to my credit, made threats and continues to pull my credit with a hard inquiry almost monthly, and they keep re reporting the debt which the credit bureau has to keep removing, they are a thiurd party collection collecting on a debt that is past statue of limitations, and the very rude lady asked me if I was illiterate when I advised that I knew my rights through the CFPB, and FDCPA she told me that she can report for 7 years from the date she receives the file, and advised me I was uneducated, then reported to my credit and then reported to my wife 's credit when she was advised that the account was included in a bankruptcy and she was violating those laws also this company 's unscrupulous attincs have not stopped and they again pulled by consumer credit bureau in XXXX days apart, they also tried to re report again but it was blocked by my credit monitoring which I had to add cause of there actions which is costing me additional money to fight them at this point I would like you to get involved and put a permanent stop to this, and levy the fines and penalties that are warranted under this broken practice laws the company is Creditors Specialty Serv XXXX Ca XXXX XXXX address XXXX XXXX XXXX XXXX XXXX Ca XXXX Ph : XXXX and they call multiple times a day from XXXX both mine and my wifes phones and are VERY demining Oh and she re reported me as a " skip Can not locate " 24 hours after calling me Uneducated " and I have screen shots from my credit monitoring service the current report dates are XXXX, XXXX, XXXX, She called on XXXX at XXXX and I hung up on her when she called me uneducated and she called immediately back at XXXX She called at XXXX at XXXX and this was the call that she reported me Skip can not locate after, this is all documented and has caused my wife and I stress and hardship and financial damages, PLEASE intervene

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-31 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Commonwealth Financial Systems, Inc.
State: IL

Complaint narrative:
REFERENCE TO CASE NUMBER XXXX Dear sir/madam few week back i submitted a compliant regarding the negative and fraudulent account COMMON WEALTH FINANCIAL noted on my credit report. But their response stated that they could not find the account on their data base. 
How then did they report account that they do n't have on their data base? First i do n't own COMMON WEALTH FINANCIAL or any of their affiliates and this is a good reason to prove the account as a fraudulent one. Dear sir/madam, i want your office to have a look at the mail COMMON WEALTH FINANCIAL sent to my home address with a different recipient on it. The attachment is another prove that the account from COMMON WEALTH FINANCIAL is a fraud. I resubmitted this compliant because the attached mail was received XXXX days ago XXXX/XXXX/2016 Thanks XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-28 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: Commonwealth Financial Systems, Inc.
State: CT

Complaint narrative:
I received a call from Commonwealth stating that I owed them money on a debt. I notified them that the debt was included in a Ch. XXXX bankruptcy and that they should n't be contacting me and they could contact my lawyer for verification if needed. The " adjustor '' transferred me to someone identified as their head legal counsel/attorney who told me that if I did not pay the debt within 72 hours that they will seek criminal charges and my wages, tax return and any income will be garnished as well as freezing my bank account. I informed this person that he could speak with my lawyer and was told " we do not speak with lawyers you can have a lawyer represent you in court. '' I received multiple other calls from then and in XXXX call " XXXX '' accused me of being unwilling to be responsible and pay my debt and said that I will end up paying over {$7000.00} now for their legal fees and criminal charges will be filed against me. I informed her that I knew that what they were doing was illegal and she yelled at me that it was not at which point I said to stop harassing me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-19 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: Harrington, anderson & deblasio
State: OR

Complaint narrative:
I was directed by my employer to use my XXXX XXXX card for business and the company went chapter XXXX and did not reimburse me. ( that is what I was told ) Then I was forced to sign a judgement under duress, while my husband was XXXX from XXXX XXXX. This is only a partial explanation of what exactly happened.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-02 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Commonwealth Financial Systems, Inc.
State: TX

Complaint narrative:
COMMONWEALTH FINANCE did n't send me a letter first, they immediately placed this on my XXXX XXXX credit report.The law is clear they must contact me first.They 're violating the law. I have never visit XXXX in XXXX TXthis is a zombie debt they continuous to past around.according to them account open XXXX 5 years ago. They could n't Violated date.There no account number associate with this account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-22 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: TRIAD FINANCIAL SERVICES, INC.
State: NY

Complaint narrative:
Case number : XXXX they forced a agreement and the payments are more than what they should be the amount was more than what i owed them to start i they are also involving a 2nd and third party into the finance.i left them a message again to get the title requested so i cantake money from my bank to pay them off.If it dont work im gon na file bankrupt i dont know what else to do tomorrow im calling a lawyer.Im XXXX and i caint have XXXX here anyway the lot i have from XXXX triad and XXXX is illlegal and im on hud.i caint even purchase insurance. ive been homless before. i caint keep this up cause im very sick

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-03 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Commonwealth Financial Systems, Inc.
State: TX

Complaint narrative:
I viewed my XXXX credit report in XXXX 2015. I notieced a collection account that was added by Commonwealth Financial XXXX XXXX XXXX XXXX, XXXX XXXX, PA XXXX ) in XXXX 2015. I never received any letter or phone call regarding this alleged account. Since I found this on my credit report - I contacted, via certified mail, the collection agency and still have not heard anything from them. This collection agency is not complying with the dunning notice requirement.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-22 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Attempted to/Collected exempt funds
Company: Ray Klein, Inc.
State: OR

Complaint narrative:
I had an on the Job Injury. XXXX did not pay {$700.00} while I was going to XXXX XXXX XXXX XXXX. XX/XX/XXXX It was sent to Ray Klein Inc. dba Professional Credit Service. I was then put on SSI. 
XXXX XX/XX/XXXX Ray Klein Inc. dba Professional Credit Service Garnished my savings from an out of XXXX Credit Union for {$1400.00}. I spoke to An Attorney XXXX XXXX an was told this was illegal. 
Spoke with XXXX XXXX employee of Ray Klein inc. dba Professional Credit Services he said to fax copies of bank statements showing my SSI direct Deposit and copy of Bank statement showing where I sent the deposit into savings. I would be refunded. I did send copies. I am contacted by XXXX XXXX Ray Klein employee dba Professional Credit Service she asked for the same thing I refaxed paper work. I told her I want a " Refund '' of {$500.00} for the reimbursement of my SSI she said it would have to be a Loan I would need to make payments on. Now they have all my Bank info an I have to change to a XXXX card instead of a bank so they wont have my information. I have been lied to regarding this and I Want my monies back.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-08 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: ME

Complaint narrative:
we have been with green tree for 16 years they have harassed us from the being they have threated calling all the time, the were charging us extra saying it was for our property taxes and we recentally found out they were n't paying our property taxes we pretty much have been paying over a {$1000.00} a month for 16 years and still owe almost as much as we did when we started, this company needs to be shut down

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-11 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: CA

Complaint narrative:
Green Tree Servicing LLC continues to increase our loan amount. The escrow account is used for the payment increase and fail to notified and explain, in writing, the tax accessor of XXXX XXXX tax assessment for XXXX XXXX. Housing in our area has decrease and not increase in value. They will not provide the information on how they calculated the new increase.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-27 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: OH

Complaint narrative:
Due to a medical issue this year, I had a struggle to keep up with my mortgage payment with Ditech. I called on XXXX/XXXX/2015 to bring it current. In order to get the payment made over the phone or online, a {$12.00} convenience fee is charged. My other option of payment, to avoid the fee, would have been my bill pay. That option would not have gotten the payment posted in a timely manner. I asked for their fee to be waived, but was denied. I explained to the person I was speaking with, XXXX XXXX XXXX XXXX ext, XXXX ), that the fee was high, considering I was trying to catch up on time. I asked how much time I had if I chose to use the bill pay option. I was told I did n't seem to understand my critical situation and I was taking a " XXXX '' attitude towards my responsibility. I had more questions, but did not feel comfortable at that point talking to this individual. Sometimes persons with the best intentions fall on difficult times. I wanted to seek assistance, but now do not know where to turn.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-08-16 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC
State: GA

Complaint narrative:
I contacted Ditech Financial several months ago to have the PMI removed from my loan. I meet all the requirements to have it removed and have given proper notification to this company several times for months. They are neglecting to get back to me in any sort of timely manner. When my wife contacted the company last week ( again ) the company representative was at a loss why we have n't been contacted to get the process started. She also informed my wife she would get back to us with an update or something, but again, just another way for this company to blow off its customer. Time and time again this company neglects our requests to manage my loan. I 'm retired from the XXXX and am really trying to save as much money as I can. I have met all the necessary requirements to have this additional fee removed from my loan but Ditech will not assist me in any way, shape or form. I want to report this poor excuse of a company to the proper Agency and hope to get a resolution ASAP,

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-10 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: MA

Complaint narrative:
On behalf of my client, I submitted a nonrecourse assumption modification package for review to DiTech on XXXX XXXX, 2016. On XXXX XXXX, 2016 I submitted additional documents they requested. Since that time to now, XXXX XXXX, 2016, this file has not yet moved to their underwriters. Their excuse is that they have a new computer system and the packages that have been faxed to them prior to their new computer system, are getting lost in the process. I stated that they should only be allowed no more than 30 days to review the file and if complete, they should have a decision no later than 45 days. The staff state that because this file was sent to them prior their new computer system, they are allowed to take as much time as they want to review this file. They state that this is considered an " in-flight mod review '' which means if the package was complete before their new system was installed, they can not request updated docs. I have not been able to get consistent information when I call to check status on the mod pkg. I was told on XXXX XXXX the package was showing complete and it was under review for QC to sign off and forward to underwriting for the XXXX XXXX. I was told that we should have a decision by the next week. Unfortunately, the file sat with DiTech 's QC department without the SPOC, XXXX ( Single Point of Contact ) making sure the file moved to underwriting. DiTech 's staff is incompetent and unprofessional. Today I was told they need additional information to move forward. Why has this taken DiTech 2-3 months to realize they need additional documents? Why are the responses from the staff inconsistent?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation