vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-11-19 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: U.S. BANCORP
State: AZ

Complaint narrative:
I had fraud on my account XX/XX/XXXX and my husband said he was taking care of it and it the meantime XXXX or XXXX accounts were open in my name that I was unaware of and XXXX stayed open from XX/XX/XXXX until XX/XX/XXXX. My husband tried to deposit XXXX checks in which one was deposited at around XXXX in the afternoon and we were at the bank before they opened to make the deposit but it was already sent and returned overnight. The other was for a job he did and when he deposited it in his account they said it would be available the next day so he deposited a check in my account and it came back so now the branch manager at the us bank XXXX location is closing my account based on this XXXX account even though I have been with them for around 16 years and always in good standing. When I went to the bank I found out that a credit card was charged off in my name that I had no idea of. I tried to explain it to the branch manager XXXX XXXX and he said he wanted proof even though the us bank fraud dept is mailing us a packet and he spoke to the banker who spoke to them. he also said he wanted proof that we filed a dispute with the credit bureaus which they did not send and they said you wont get a response for 30 days. It is my opinion that this guy did n't want to do his job and look at my history because he admitted he was just basing this off this account and he had the right to keep it open according to the operations division that suggested me at a high risk even though I have excellent history with them. When the first check came back they put a hold on the account on XX/XX/XXXX and did not notify anybody and the accounts that were opened were done through direct bank but yet nobody found it odd that someone would open XXXX accounts within a months time and no activity. I explained to him that I just wanted my account open and if it happened again then fine close it but he was not customer friendly at all even though I sat on hold to operations office for a while listening to how us bank is customer friendly.

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 2016-12-07 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P.
State: OH

Complaint narrative:
Debt Collector continues to report, twice, a debt which has been paid to the original creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-22 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: TIDEWATER FINANCE COMPANY, INC.
State: TX

Complaint narrative:
We financed a car with Tidewater XXXX XXXX in XXXX XXXX and did well with payments until we hit a financial wall. We then went through their fresh start to remove any past due payments and start over with making on time payments. Our car was repossessed by Tidewater XXXX XXXX in XXXX XXXX three days AFTER we made the agreed upon payment and setup our next arrangements. It was sold within 2 weeks. We offered on many occasions to work out a payment plan but due to lack of employment the amount was significant enough for them to agree to anything. We applied for a mortgage and discovered a judgement on our credit report from Tidewater XXXX XXXX through XXXX County and them filing a lawsuit against us. We were never served any documents and unable to respond to anything in court. The first paper we received was from their attorney that they tried to serve us and were unsuccessful. The paperwork states that someone knocked and no one would answer despite noise inside ( this is false ). The paperwork also states that someone answered the door and said they were our roommate ( again, false. We have never had a roommate and know no one fitting the description that they mentioned ). I did n't hear or receive anything from them until I received paperwork saying that a judgement had been entered by XXXX County Court. Along with the judgement, Tidewater has not charged off the account and still reports monthly to the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-14 00:00:00
Product: Mortgage — VA mortgage
Issue: Application, originator, mortgage broker — 
Company: PENTAGON FEDERAL CREDIT UNION
State: FL

Complaint narrative:
I was discriminated against by representatives of Penfed Credit Union, XXXX XXXX and XXXX XXXX who established discriminatory requirements for me to obtain a preapproval letter for a VA loan. I was flagged for discriminatory reasons by XXXX XXXX who prescreened loan applicants by phone and assigned XXXX XXXX, Mortgage Loan Originator. XXXX XXXX violated anti-discrimination laws by creating a requirement for the issuance pre-approval letter that was not consistent with VA/XXXX guidelines or PenFed practice. I provided financial documents that supported my VA eligibility and established income that fully met requirements of the Department of Veterans Affairs regarding VA loan eligibility, documents necessary to establish employment stability ( XXXX and paystubs ), and processing requirements.I only requested a loan pre-approval which is always conditional, and not a loan commitment from PenFed. The action of these PenFed representatives was designed to deny me equal non-discriminatory access to a government loan program, and resulted in harm to me due to a lost purchase opportunity of a home and a lower mortgage rate which was available at the time of this discriminatory acts.

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 2016-10-11 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
Bank of America said i qualified for certain programs. Then in the next paragraph i was told i didnt qualify for those programs. I asked what payment i should make toward my mortgage. I was never told, i never got a call back. I have done everything Bank of America has told me to do. Yet, they lied to me and proceeded to take action against me. Now, they have been sued for XXXX dollars i get a call stating they wanted to send me an application for a modification. Only, i cant get in contact with no one. I leave several messages and no one will call be back. I have not received the application in the mail and its been over a week. It is going on two weeks. I called again today and got nowhere. I would like to know what is going on. This is my house Bank of America has tried to steal from me. Although, they have been sued. They are still playing games. I can pay my loan modification so i dont understand the question. Thats what one of the problems i have with Bank of America. They lied about my modification

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 2017-01-08 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: American Student Assistance
State: IL

Complaint narrative:
I sent a letter to American Student Assistance letting them know I had been a victim of identity theft years before the accounts had even showed on my credit report and I provided my supporting documents and police reports made about the identity theft and American Student Assistance refuses to delete the fraudulent accounts from my credit report stating in a letter its verified. American Student Assistance provided no physical evidence to why they wo n't remove it, according to the FDCPA and FCRA they have violated the law and I am well within my legal parameters to file a civil suit along with defamation of character against them. If they do not delete these accounts that are not mine that resulted from identity theft I will exercise my legal rights and file a civil suit.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-28 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: VA

Complaint narrative:
I have a bank account in a state I no longer live in. I kept the account in case I needed to transfer to my mother 's account which I am a signer on. Since I am out of state I barely use that account. I use XXXX often and accidentally charged the wrong bank account. The account had about XXXX dollars and the transaction was for approximately {$40.00} which overdrew the account. My mom contacts me to say her bank account which I am a signer on had been closed because of the balance on my account which I am sole owner on had been overdrawn for 30 days. She said my account was affecting hers somehow so I called the customer service. Customer service told me to contact the branch directly since there was nothing they could do. I called the branch and by chance immediately got the assistant manager. He said there was nothing I could do and that I should have kept up with the account. I explained I rarely use it and live out of state that the charge was a mistake. He said he could not waive the overdraft fees that now total {$140.00}. He was rude and kept sighing repeatedly when I told him I wanted the fees waived and wanted to pay the overdrawn portion. He kept telling me I had to come in person to take care of the account I should have been more responsible with. I explained yet again I do not live in that state and am sole owner of the account so no one can make a deposit on my behalf. He took down my information XXXX and said he would call back on Monday because he has to contact the back office which was told I can not contact directly. They never even warned my mother that they were closing her account and charged me ridiculous fees on one small mistake with XXXX charging the wrong account. I just want to pay the overdrawn amount and not the fees that they kept racking up on me. They automatically withdrew from my mother 's account and overdrew hers to pay my account then closed hers so now her direct deposit on Monday will not be deposited and will be rejected. I just want to pay what XXXX charged on my account and not have these overdraft fees. THey never contacted my mother to warn her about her account being closed as well. I am a XXXX XXXX XXXX and the fact that this bank is taking advantage of a single mistake is immoral.

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 2015-11-25 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Settlement process and costs — 
Company: AMERICAN INTERNET MORTGAGE
State: CO

Complaint narrative:
AimLoan.com used a bad tax estimate when closing my loan and owes me money back from my escrow account. However, they will not correct the problem and have not been timely responding to the RESPA Notice of Error that I have sent them. I have paid the principal and interest, but they will not apply it to my account and are charging me late fees for the whole amount when only the escrow is in dispute. What good is RESPA if the lender/servicer can continue to act in bad faith and punish the consumer at will. Even after the mortgage fiasco that caused the recent recession, the consumer is always left holding the bag and the lenders can do whatever they like with impunity.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-17 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Dynamic Recovery Solutions, LLC
State: WI

Complaint narrative:
Dynamic Recovery says I owe XXXX XXXX XXXX Hospital {$760.00} dollar for a medical bill. I called XXXX the Collections agaent at XXXX XXXX XXXX Hospital and I do not owe them any money, and she stated they have never used Dynamic Recovery to collect a past owed debt. Further research online on the XXXX website flags them as a fraud company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-21 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: Dynamic Recovery Solutions, LLC
State: IL

Complaint narrative:
To whom it may concern, Dynamic Recovery Solutions asserts that I owe a debt to XXXX XXXX when I never held an account with this telecom giant. They further assert that I owe {$2500.00}. I kindly asked them to stop harrassing me and to follow federal rules in this regard. They continue to ignore the rules. 

Prior to Dynamic Recovery Solutions, the alleged debt was being claimed by XXXX XXXX XXXX. I disputed the matter with all three credit reporting bureaus. However, rather than being taken off my credit reports as an erroneous matter, the issue was either sold or transferred to Dynamic Recovery Solutions. 

They list their mailing address as : XXXX XXXX XXXX, XXXX, SC XXXX. 

This erroneous claim is damaging and unfair to this consumer. I kindly request CFPB help resolve the matter, as the claim is false.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-14 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: RentDebt Automated Collections, LLC
State: TX

Complaint narrative:
judgement should have been removed in XX/XX/XXXX for XXXX XXXX XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-28 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Threatened to take legal action
Company: Smith Debnam Narron Drake Saintsing & Myers LLP
State: SC

Complaint narrative:
I have a judge, ent on my from a law company that for one never gave me an infoormaton on the debt but filed a lawsuit against me without any papers being sent to me. Only after the judgement was filed they sent me the information. On top of that they forced me or tricked me into signing or sending in paperwork for the judgement stating that I have ran out of time their collection of this debt has been shad since day one. I have been payng on the debt for months now and I get a letter today stating legal action will be filed against me if I do not contact them within 15 days. I have sent them throughout the past few months 4 emails that the continue to ignore. I have been paying atleast {$10.00} on the account every month if not more depends on what I can afford. I am tired of being bullied by them and harassed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-07 00:00:00
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Vision Financial Corp.
State: MD

Complaint narrative:
A third party, vision financial, called my place of business using the name XXXX XXXX about a Credit card debt that I do not owe due to my identity being stolen three years ago. I told her that this was a government installation and that they should not contact me here again. I foolishly gave her my cell phone number thinking that would not call work again. Not so. The debt has changed hands multiple times with each new collector making multiple harassing calls. I would like this to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-05 00:00:00
Product: Debt collection — Medical
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Holloway Credit Solutions
State: FL

Complaint narrative:
Holloway Credit Solutions LLC sent a letter to my daughter for debt collection on an account that I own. They threatened that this debt would go on her credit history if she did not act.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: The J. G. Wentworth Company
State: VA

Complaint narrative:
I received a telephone call from a representative from J. G. Wentworth Mortgage Co. on XX/XX/2016. He asked my questions about the homes that I have been looking at. I told him that the price was {$170000.00}. He asked how much my Social Security XXXX annual salary was. I told him that it was {$17000.00}. He asked was this all my income and I said yes. He did some calculation and told me that I do n't have enough income to purchase a home. I asked him was that true for FHA and USDA. He said that my payments could not be more than {$600.00}. He told me that the most I will be able to borrow will be {$75000.00} or less.

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 2016-07-20 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: HYUNDAI CAPITAL AMERICA
State: CA

Complaint narrative:
I am receiving 4 to 5 calls a day, everyday!!! Starting as early as XXXX. Sick of these phones calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-29 00:00:00
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: MARINER FINANCE, LLC
State: SC

Complaint narrative:
Upon reviewing my XXXX Credit Report, I came across an account for an unsecured loan, I do not recognize from XXXX/XXXX/2009. It states paid with a XXXX balance and current.

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 2015-06-16 00:00:00
Product: Payday loan — 
Issue: Charged bank acct wrong day or amt — 
Company: Cottonwood Financial Ltd.
State: IL

Complaint narrative:
The cash store in XXXX IL over drafted my bank account {$300.00}. Their so called collection agency XXXX XXXX XXXX called me and wanted me to set up a payment plan. I looked up my credit report and they are not on there. I think they are a false company and would like them to stop harassing me. I want my {$300.00} back and be able to set up an actual payment plan with a legit collection agency.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-23 00:00:00
Product: Debt collection — Federal student loan
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
This company must be XXXX, because of their lack of bookkeeping they 've been harassing me for over 2 years. They chose to have XXXX separate student loans with the same account number so when I paid for both on a monthly basis they applied it to only XXXX which made it seem like only XXXX was being paid. I asked for them to be combined but they refused so now I 'm being harassed everyday, before XXXX about 5 times or more per day and after XXXX. I continue to pay monthly for both loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20 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: TN

Complaint narrative:
I made additional payments towards XXXX specific loan each month : I would choose the 'do not advance my payments ' option but each month when the automated debit would be drawn from my account, the monetary value towards my loans would be re-allocated across all loans and not put towards the loan that I had made an extra payment on. Hence the money was not put towards the principle of the XXXX specific loan, but spread out over interest of all the other loans. This happened every month from XX/XX/XXXX, to XX/XX/XXXX I would call every month and have it fixed, and complain that I call monthly, then it was finally fixed in XX/XX/XXXX. I worry that the additional payments, or the large payment I made before payments were required, ( prior to XX/XX/XXXX ), were allocated incorrectly. 
It was a {$10000.00} payment, so if it was done incorrectly it would help a great deal to have that looked at and fixed.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I have tried NUMEROUS times to modify my home mortgage loan with Bank of America. After my home loan conception with Countywide, BOA did in fact start my home loan modification and it took it over 3 years and now they are CONSISTENTLY requesting documents I 've sent them MULTIPLE X MULTIPLE TIMES!!! They continue to say I 've filled them out incorrectly, specifically my XXXX ... but I know I 've filled it out CORRECTLY. They finally sent out a Representative many times to collect and notarize the document that " they filled out, I signed and they took with them to turn in '', each time I was promised it was correct. To turn around ... BOA says it 's incorrect!!! What do I do?? BOA is about to foreclose on my home come XXXX, XXXX, 2016 and wo n't work with me, offer help or clarify what they need. When they tell me what they need, I submit, then " my case worker '' calls me rudely every time and asks me for them same thing again every time!! I FEEL THEY ARE PROCRASTINATING WAITING FOR ME TO FAIL AND FORECLOSE! What do I do to help me and save my home? Something 's WRONG HERE. Please, Please, Please HELP!!!!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief