vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-04-05 00:00:00
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credit Counsel, Inc.
State: GA

Complaint narrative:
On or about XXXX XXXX, 2016, I received a phone call from XXXX XXXX of Credit Counsel , Inc. XXXX XXXX indicated that he was representing his client XXXX XXXX in an attempt to collect {$2700.00} for an unpaid workman compensation debt. I had not received any correspondence via mail before this phone call. I knew of XXXX, the workman comp bill and the amount of {$2400.00}. XXXX XXXX indicated that by XXXX XXXX, 2016 I needed to get back with him and submit the {$2700.00} On XXXX XXXX, 2016, I contacted XXXX XXXX and informed him that the amount he quoted was incorrect. He stated that this was the amount he was authorized to collect and received from XXXX. He stated that it was late fees and other charges. I called XXXX XXXX and was told that {$2400.00} was the amount owed on the claim. XXXX XXXX stated that he was " going to sue me and get more than I owed ''. He went on to demand immediate payment, stated that he was looking at my credit report and I needed to get the money from my XXXX. I informed XXXX XXXX that I did not have a 401 k and he immediately called me a liar. He continued the bullying tactics by threatening to file a lawsuit and sue me in court. 
I was taken aback by the unprofessional behavior, threats, and name calling. I inquired later on in hopes to contact a supervisor to resolve this matter as well as report XXXX XXXX 's behavior. I was given the name of a supervisor, XXXX XXXX. I attempted to contact him and my call was intercepted by XXXX XXXX. XXXX XXXX stated that no one named XXXX worked there, he was the supervisor and I was wasting his time. He transferred my call to another gentleman that stated he was the supervisor. He demanded payment of {$2700.00} and if I was n't wanting to talk about submitting full payment, I was wasting his time. I had never been involved with a collection agency and this did not seem appropriate. 
I submitted a debt validation letter to Credit Counsel , Inc. and requested validation. I received paperwork indicating {$2400.00} was owed, several health insurance claim forms and to arrange full payment from XXXX XXXX. I did not received any other documents or information I requested. After I submitted the validation request, cease and desist letter, I still received a voice mail from XXXX XXXX of Credit Counsel , Inc. stating that was representing XXXX and attempting to collect a debt. This was clearly a violation and disregard to requesting to be contacted by mail only. The employees of Credit Counsel , Inc. did not cease and desist contacting me by phone.

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 2015-05-21 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: EAST WEST BANK
State: CA

Complaint narrative:
This complaint is filed against EAST WEST BANK, headquarter located in XXXX, CA. I have a business account with this bank, our funds in this bank got stolen several times by ACH online unauthorized withdraws starting last year. The bank refunded me last year for the money stolen from them online system for over {$8000.00}. I changed the account number with East West bank recommended by the bank stuffs aftervise. However the illegal unauthorized ACH online withdrawn happened again on XXXX XXXX, 2015 for {$16000.00} with this new account. The bank now refused to refund me for over XXXX weeks now. I contacted the bank for a lot of times by phone calls and emails. But they said due to this is business account, we are not protected by consumer 's right of 10 days refund rule. They ever recommended to contact the criminal to solve the problem. I never knew this so called merchant and never authorized any payment to this company. But I still called the number provided by bank. First time they provided the number went to someone 's voice mail with the voice mail was full. Then they gave me another number went through a guy was the previous employee of this company. Say no more, the company 's business is phony and maybe online criminals. I think my bank account shall be XXXX liabilities for the funds was stolen from online ACH, without anyone authorization. We never knew this company and never had done anything with the so call merchant. 

Clearly, the bank is still refused to refund our money back even I reported them the contacts i made with this company. I reported to the local policy station by no choice. 

Please help us, the funds are very important for we are small business. We wo n't survive if the bank still not refunding me. 

Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-26 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Advanced Collection Bureau, Inc.
State: FL

Complaint narrative:
I am in the process of purchasing my first home and too my surprise when I took a look at my credit for the first time in a long time I found this entry for an account that does not belong to me. At no time have I visited a hospital and at no time have I ever given anyone the authority to use my name to obtain any medical assistance. I request the help of the CFPB in acquiring complete validation of this so called account currently reporting negatively on my credit. I request the details used to obtain medical assistance including all details of identification used to open this account. this is an issue of identity theft and I require as per rights by law that this company provide me with full their full validation so that I can resolve this matter swiftly so that this fraudulent account is removed from my credit history.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: South Carolina Student Loan Corp
State: MA

Complaint narrative:
My loan was broken up into XXXX loans ( loan A and loan B ). I paid faithfully for months yet loan A was never paid off. They kept my balance at a low amount so that they could continue charging interest on loan A. While I thought I paid loan A off months ago, I signed into my account and noticed that it was never paid off. Upon speaking with a representative, I was informed my payments began being applied towards loan B and I would have to send a separate payment for the exact amount to pay off loan A. No one ever informed me of that, instead they continued charging interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-26 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Consumer Portfolio Services, Inc.
State: IL

Complaint narrative:
My bankruptcy was discharged in XXXX, 2016. My vehicle was repossessed today ( XXXX/XXXX/2016 ) but no statements were sent by the lienholder stating how much is due. There were no phone calls or attempts to reach me. Their website states that I owe {$8000.00} but my payoff amount is {$3200.00} so I do n't know what the owed balance is. If I had a current statement, I could have paid them. However, I was n't even given the opportunity to pay them. Now, my fiance 's XXXX worth {$5000.00} ( owned by the federal government ) is in the car and he needs it for daily use. This is a violation of the FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-11 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: Performant Financial Corporation
State: MD

Complaint narrative:
Performant Recovery Inc. is managing my defaulted loan from the Florida XXXX for the time that I attended Florida XXXX University in XXXX, Florida. I have paid them on time since 2008 through automatic deductions from XXXX of my bank accounts. My loan however is still listed as in default status today and I my principal amount has not decreased. Performant Recovery 's response is that I never signed the correct forms to allow them to begin a default rehabilitation program for the loan. Yet, I did sign papers for them to automatically deduct money from my bank account. Now I would like to enter into their rehabilitation program to remove the default status from my record, and move the loan back to Florida XXXX so that I will no longer have to pay collection costs and actually have an impact on deducting my principal loan amount. Performant Recovery Inc. however is unable to get this program started for me. In the last 3 months I have sent them official documents of my tax returns, pay stubs, all of my bills, drivers license, and they keep telling me that their " auditors '' need to determine if my documents support moving me into a rehab, or if the " auditors '' will raise my payments because clearly I make more money now. They have yet to send me in writing anything that determine how this audit process is driven or what I need to qualify for allowing the eight years of on time payment that I have sent them to contribute towards reducing my principal loan amount and removing the loan from default status. Every time I have spoken with them since XXXX of this year, they need more information for the audit process, meanwhile they are continuing to deduct {$110.00}. from my bank account through automatic payment monthly. 
Please investigate this process and let me know should I contact a lawyer to get my money back, and my payments credited towards my loan principal and removal of my default statusl

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-29 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: BANKUNITED, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I received a letter from XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX FL XXXX, Tel : XXXX informing that effective XXXX/XXXX/2015 our HOApayments will be sent to Bank United and asking to discard the old coupons withthe information for XXXX. When I visited XXXX website toschedule my payments online, I found a convenience fee as follow : standardprocessing new bank account {$3.00}, credit card {$9.00} ; express pay new bankaccount {$9.00}, new credit card {$9.00}. Please note that with XXXX wedid not have any fee when paying online. This is a rip off, please stop them. 
For security reasons this is an anonymous report. Thank you.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-11 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: Performant Financial Corporation
State: CA

Complaint narrative:
Every day for at least a year I have been getting several calls a day from XXXX Service. The actual number on the caller ID is XXXX XXXX or some variation. I usually do not answer, they never leave a message, but recently they have been calling so much that I decided to answer. Either no one is there or a recording comes on telling me to call another number which turned out to be Diversified XXXX Services. I called the number Diversified left and was told Performant was trying to contact me. I have payment arrangements with Performant where they automatically deduct payments from my account each month. When I told the collector I am making payments each month per arrangements they said they just want to verify my information. I confirmed the information, none of it has changed, however today as always they start calling at XXXX I answered the third time they called today and a person answered and hung up. What do I do to get these people to stop? Why are they calling me when I am making payments on time each month? There is a disconnect between the collectors and those making the payment arrangements.

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 2017-03-14 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Credit Systems International, Inc.
State: TX

Complaint narrative:
XXXX Accounts appeared on my report today from this company that I 've never seen reporting before and from the looks of it they are pretty old. I 've never received anything that could possibly validate this even belonging to me. 

XXXX {$32.00} & XXXX {$25.00} a piece.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-05 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Fay Servicing, LLC
State: VA

Complaint narrative:
Approved for tax exemption program with my county ( located in XXXX in the state of Virginia. Lender is still currently charging me for taxes even though county and HUD approved Housing Counseling agency has submitted documentation showing where we are now exempt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-10 00:00:00
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
Webster Bank ran a transaction on an account I had requested closed, overdrawing it, and then levied a penalty representing 100 % of the transaction. 
I had XXXX accounts with Webster. On XX/XX/XXXX in the Webster online portal I performed two transactions : I sent a secure message to close XXXX account, which I had emptied, and paid XXXX credit cards totaling {$110.00} in a single Bill Pay transaction. 
Webster ran the Bill Pay transaction first from the empty account, overdrew the account and then refused the close account request because the account was now overdrawn. They then levied three separate {$37.00} fees for {$110.00} total, equal to the whole Bill Pay transaction. 
I have been in contact directly with Webster several times but they agreed to refund only {$37.00} of the {$110.00}. I am requesting the remainder because : 1. I had already requested the account in question be closed. 
2. It was a single transaction within Webster 's online system, yet three penalties were levied. 
3. The empty account was selected by default and the second account hidden in a dropdown menu. 
4. The empty balance was not shown in either the confirmation prompt or the transaction receipt. 
5. An equivalent transaction would have been refused in branch - a teller would not allow you to make an internally-requested transaction from an empty account, this is a flaw in the online system only. 
6. A {$110.00} total penalty for a {$110.00} total transaction represents an unfairly high penalty.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-11-02 00:00:00
Product: Money transfers — International money transfer
Issue: Fraud or scam — 
Company: FIRST CITIZENS BANCSHARES, INC.
State: GA

Complaint narrative:
An Internation wire transfer from First Citizens Bank XXXX to XXXX XXXX XXXX in XXXX, XXXX was issued, then attempted to be retracted when the receiving account at XXXX XXXX was determined to be a fraud. Following formal complaints, inquiries and alerts of the fradulant scam, from First Citizens to XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-21 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Merchants' Credit Guide Company
State: NJ

Complaint narrative:
I HAVE RECEIVED COMMUNICATION FROM AGENCY REGARDING A DEBT COLLECTION BUT THEY INDICATE THAT IT IS SEVERAL COMPANIES THEY ARE REPRESENTING BUT DO NOT IDENTIFY NAMES OF THE COMPANIES. THEY STATE ( SEVERAL ). I HAVE SENT CORRESPONDENCE REQUESTING THE NAMES OF ALL DEBTORS TO AVOID DUPLICATION OF DEBT COLLECTION ON THE SAME DEBT FROM VARIOUS ENTITIES. I AM WAITING FOR THAT REQUESTED INFORMATION.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-13 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Optio Solutions, LLC
State: CA

Complaint narrative:
The debt collector somehow got a hold of a few people I know such as a close friend and family member and told them about my debt in detail and threatens that I am in big trouble. There are XXXX representatives who have called and made the threats and gave out my personal information. XXXX is XXXX and XXXX is the other. XXXX was very rude and made threats to my mother and my close friend when we spoke to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Fay Servicing, LLC
State: OH

Complaint narrative:
Loan Servicing company trying to collect discharged class XXXX bankruptcy debt. see QWR notice of error within.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: AES/PHEAA
State: DC

Complaint narrative:
XX/XX/XXXX, I submitted my tax documents from the year before, to my loan holder, MyFedLoans. In XX/XX/XXXX, I received a notice that I was no longer on the income-based repayment plan because I did not submit my tax documents. When I called to argue that I had submitted them, I was told that I submitted them with a different form, for the Public Service Loan Forgiveness program, so they were not used for updating my IBR plan and I would have to re-submit the same tax info again. It would also take 2-3 months to be processed during which time I could either pay the amount of more than six times my IBR plan or go on forbearance. Obviously I could not afford that, so I went on forbearance. XXXX months later, I was notified that my application had been denied because I had not marked that I was on forbearance. When I went to reapply, there was nowhere to mark that I was on forbearance so I called the loan provider who told me that I had incorrectly marked that I was applying to get onto an IBR plan, when in fact I was still on the IBR plan. Of course, I argued that I was not as I had been receiving bills for an amount that was well above my income and was told that that was because my plan had expired, but I was still on it. I reapplied again and the representative suggested that I not continue my forbearance but rather wait to make a payment until my application was approved because they do not report delinquent payments for 90 days. I suggested that did not make me comfortable and am still waiting to be reapproved and put back on the IBR plan, that I am apparently still on, even though my bills show otherwise. I should also add that every piece of documentation I receive from the lender states that I either was or was not approved on the following loans and then lists several pages of words, through which I must hunt to figure out what this piece of paper actually says. I have completed graduate school with the highest degree offered in my field and worked for several years as a paralegal and still struggle to understand communications and my role in this relationship. I try very hard to be on top of my finances and pay my bills but this is impossible!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-24 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: SUNTRUST BANKS, INC.
State: FL

Complaint narrative:
I received a letter in the mail from Suntrust about suspicious activity on debit card. When i called in, I did find fraud ; closed debit card and have a case no. My first issue is this is the third time this has happened, only with Suntrust ( once on business account, twice personal ). I think they may have a security breach issue. I am angry because they would NOT credit my account for the amount of the fraud until after investigation. This is happening 2 days before XX/XX/XXXX, plus they knew it was fraud, they detected it. XXXX fraudulent charge for {$240.00} and XXXX for {$25.00}.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't get flexible payment options
Company: AES/PHEAA
State: IL

Complaint narrative:
i sent fedloan a letter with good humanity spirit of letting them know that i have paid them since XXXX weeks after i graduated with XXXX XXXX ; my daughter XXXX is in college ; i know i have to pay her parent plus loan when she is done in XXXX XXXX, my other daughter did n't do well at her college and got kicked out ; well i asked fedloan in a letter to consolidate the interest, my loans and parent plus loan in a bill that i can afford ; like {$150.00} to {$190.00} or {$200.00} ; they sent me a {$500.00} bill ; i sent another note saying this is too high I sent {$150.00} with the bill ; on thursday XXXX XXXX they sent me a bill for {$730.00} ; I sent {$190.00} with the bill ; i need help ; what road to i take as a single mom that is divorce and have a passion for education and teaching my daughters the same ; i am trying to get a place of my own again and not have my credit destroyed ; they are threatening to send me to a credit bureau as a red flag for no reason. i have other bills that are important and i make XXXX a year ; please help assist me please consumer finance gov

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-22 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: SUNTRUST BANKS, INC.
State: GA

Complaint narrative:
In XXXX 2016 I made an over payment of {$25.00} on my Corporate credit card. Sense then ( XX/XX/XXXX ) I retired and surrendered my card and the account was closed. On XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX & XXXX XXXX. I called SunStrust requesting a refund, each time I confirmed my mailing address and was told the check would be sent. Twice I was told the request was sent to the wrong dept. or the check was mailed to the wrong address. The last time I was told the check was mail on XXXX XXXX and I would received it within 10 working days. I do n't want call them any more 5 time should have been enough.

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