vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-11-10 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: The CMI Group, Inc.
State: OH

Complaint narrative:
I have a a unverified account from CMI # XXXX****. I had previously disputed this account. I have never done business with CMI # XXXX****. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that CMI # XXXX**** Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that CMI # XXXX**** Cease and Desist all further communications and collection actives and provide the verification of the purported debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-10 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: AAA Auto Title Loans, LLC
State: AZ

Complaint narrative:
I called XXXX XXXX in XXXX, AZ on XXXX XXXX today, XXXX XXXX, 2017 to pay off my title loan in full because the car no longer runs & I dont use it, so need to junk car. Last statement amount is {$510.00} but they charge interest daily. Im changing bank accounts & had debit card from my joint account instead of account they have on file. Was told I could not pay off my loan in full except with card on file over the phone, only make a 1 time installment payment for the minimum amount. I told them I couldnt come into the store because I moved out of area. True. The location is in XXXX, AZ & I live over an hour away in XXXX, AZ. They wouldnt take money from me/let me pay off loan. I told them repeatedly I found it odd they didnt want to take my money & it seemed like they didnt want the money & if they wanted their money they needed to let me pay off the loan or they could just have the car. They refused both. I asked to speak to a manager. First woman claimed to be a manager, so I requested to speak to someone above her. She finally agreed after I insisted & put me on hold for several minutes. Then another woman got on the line & claimed to be a manager. Im not convinced either employees were really managers. She told me I couldnt pay loan off or give them the car & they had a lien on the car so I had to make payments. It made no sense. I want to pay loan so I did something Im not proud of, I lied & said I moved to California & couldnt come to location. She still wouldnt let me pay the loan off. I asked to speak to her boss. She told me she was the boss. I told her she must have a boss. She told me to call corporate XXXX number & leave a message. I went to website where theres zero information on paying off loans, only information on taking out title loans. I filled out a contact form asking why it was impossible to pay off loan & telling them if they wouldnt allow me to pay off the loan, I was having car towed to their XXXX location this weekend & that the account they have on file is being closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNTRUST BANKS, INC.
State: VA

Complaint narrative:
SunTrust Mortgage keeps using a robo call system to try and collect a debt for a person I do not know and they do not live at my address, I have called them, I have mailed a certified letter, copy of letter attached along with return receipt, and they are still calling with there robo system several times a day and will not stop.

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 2017-11-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
On several attempts Ive tried to contact Equifax to inform them of some inquiries on my credit report I do not recognize. Under the FCRA 604.15 inquiries are only to be pulled for insurance, employment, court order. For this reason, none the these inquiries fall under those circumstances. XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX ( XX/XX/XXXX), XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX, XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX (XX/XX/XXXX ), XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ). These are not my inquiries and I did not authorized them.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-10 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Venture Financial Services, Inc.
State: KS

Complaint narrative:
XXXX XXXX 's began billing me for a debt that was not my financial responsibility in the amount of {$650.00} in XX/XX/XXXX( 5 months after the XX/XX/XXXX XXXX ). I immediately sent them a written response letting them know it was from a corrective XXXX XXXX  due to a XXXX XXXX and the doctor was financially responsible, and that I never signed anything stating I would be financially responsible for it. I never heard from them again.
Then in XX/XX/XXXX, Venture Financial Services , Inc at XXXX XXXX XXXX, XXXX, MO XXXX, XXXX sent me a letter, which I immediately responded to letting them know it was not my debt and to send me original documentation where I signed stating it was. They never responded.
Then in the first week of XX/XX/XXXX, XXXX XXXX 's sent me a new letter, directly from them, as if they had never sent me one before, requesting my payment. I sent them another letter on XX/XX/XXXX restating the facts, reminding them of my previous letter to them and to Venture Financial Services, and requesting documentation. No reply from them again.
Today, I received another collection letter dated XX/XX/XXXX. This time it is again from the same Venture Financial Services , Inc in XXXX, MO with the same reference number from their XX/XX/XXXX letter ( which they ignored my response to and never provided original documentation. ) I have even spoken with XXXX XXXX 's office and the supervisor agrees it is the doctor 's responsibility to pay, not mine, but she does not have " authority '' to bill the doctor.
How can these people keep passing this account back-and-forth, requiring me to repeatedly send the same demand letter for original documentation, and ignoring me when I do, and not somehow be violating the Fair Debt Collection Practices Act?
Please help.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-10 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: NCB Management Services Inc.
State: OH

Complaint narrative:
I have a a unverified account from NCB MANAGEMENT SERVICES # XXXX**. I had previously disputed this account. I have never done business with NCB MANAGEMENT SERVICES. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that NCB MANAGEMENT SERVICES Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that NCB MANAGEMENT SERVICES Cease and Desist all further communications and collection actives and provide the verification of the purported debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-10 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Dear Financial Bureau, I have been an carecredit customer for a few years now. However, every since they increased my payment form XXXX dollars to XXXX dollars, it has been minor problems. However, these past month has been a problem for me overall. You see, I agree to pay them XXXX dollars after an bank mix up on the 3rd of NovembeXXXX but they did not process my payment yet. Then they charge me XXXX dollars late fee for not getting the money yet. I send the payment to their XXXX XXXX and I was just wondering what is the problem? I used to send them payments via money order all of the time but this is the first time this has became a problem. I was wondering what is the problem?

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 2017-11-10 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: AZ

Complaint narrative:
I have a loan modification with XXXX XXXX XXXX loan # XXXX effective XXXX XXXX, XXXX that I have been paying on for 5 years. My loan had been at the same interest rate and same payment for all these years and provides for an interest rate adjustment as of XXXX XXXX, XXXX. At that time, my payments which had been {$1400.00} were supposed to change to {$1400.00}. The breakdown for this payment is listed on the BAC statement date XXXX/XXXX/XXXX as follows : Principal and/or interest {$1100.00} Escrow payment : Tax {$310.00} Insurance {$54.00} Optional Products {$0.00} Buydown assistance {$0.00} This information was sent to me in writing from XXXX XXXX XXXX and is attached. 

I was notified this month that the loan servicing was being transferred to XXXX XXXX Processing with the new loan number XXXX. They called me today and told me that my new loan payment effective XXXX XXXX, would be {$1500.00}, an increase of almost {$100.00} for no reason. I told them this was the wrong amount, and they refused to acknowledge the last payment calculated by XXXX XXXX XXXX and change the amount to the proper payment.. Instead they tried to convince me that because of the interest rate change, the payment had gone up.. I tried to explain to them that the {$1400.00} reflected the interest rate change they were referring to but they refused to hear me. 

I called XXXX today and they told me that XXXX does not even have all the information about my account sent over yet and they should NOT be calling me with new payment information XXXX XXXX tells me this is done to try to exact higher payments from customers in advance of getting the information, which is illegal.! I belive that XXXX is acting fraudulently in trying to advise me that my payment amount is greater than it should be and they should be sanctioned. 

Nothing about my loan or escrow has changed since the XXXX XXXX escrow analysis. The loan payment calculated by XXXX for the loan modification I signed a contract with them for should be the payment amount due. 

I would appreciate any help in resolving this issue. Meanwhile I will make my payment of {$1400.00} to XXXX processing and I want them to mark it as CURRENT and PAID IN FULL until this is resolved and they properly update their files.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-10 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Suburban Credit Corporation
State: VA

Complaint narrative:
I got a call at work and was told I my receipt got sent back for wrong address. I them asked what my total due was XXXX XXXX gave me an amount due I unaware of. I have been calling for months making a {$15.00} payment and he not once mentioned I had 3 other bills. I had no knowledge of these bills and further more the address they were sending these bills I have n't lived at in over 3 years. So I was frustrated I never agreed to pay 3 more bills I did n't even know I had 3 bills. XXXX was rude and cursing at me I started recording call once began yelling saying they do n't pay him enough to be dealing with me. He was out of character and when I asked to speak to speak to a supervisor he would not give me a direct number supervisor was no help kept asking for my updated address and did n't care how I was just disrespected. I have never in my live been treated like this my any person I work for a major company and have never been spoken to like that by even a customer. My medical info should have never been sent there its violation of my HIPPA rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-10 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: POPULAR BANK
State: NM

Complaint narrative:
In XXXX of XXXX, my wife and I opened an online savings account with XXXX bank XXXX an internet based bank ) and based on verbal representations and documentation were led to believe that our account 's interest rate would fluctuate based on prevailing rates. We deposited a large amount of money and our decision was based on what we had been told, that XXXX would increase ( or decrease XXXX our interest rate of return based on prevailing interest rate conditions. 

Instead, as interest rates went up to 1.45 % APY, the bank kept our interest rate earnings at the original 1.15 % APY. In late XXXX XXXX I discovered that XXXX had created XXXX renamed XXXX their savings account product and that for weeks or months they had been opening new savings accounts at a rate much higher than the 1.15 % they were paying us. 

In early XXXX I phoned them and stated that I was upset that they had neither raised our interest rate as had been promised, or at least notified us that they had created a higher interest rate savings product that we could have switched our money into. I requested that they make it up to us by computing how much we should have earned at the higher rate and adding it to our existing account. After waiting 5 days for an answer, I was finally refused. We have since moved our savings out of XXXX. 

I honestly believe that XXXX bank defrauded us out of the earnings we would have and should have earned if they had stuck to their promise of raising ( or lowering XXXX our interest rate based on prevailing rates. Instead, to cheat us out of what we were entitled too, they renamed their savings account product in order to avoid paying us a higher interest rate, then told me I should have switched into the new account. We suffered lower earnings and income as a result of their fraudulent misrepresentation. XXXX is playing a cheaters game by lying to customers that they will raise the interest rates they pay their savings account holders and then failing to do so.

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 2017-11-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I sent Citi bank 3 checks totaling {$430.00}, 2 cut up credit cards and a letter to close my mastercard account ending in XXXX on XXXX. They cashed all 3 checks and closed my account and then lost my payments some place in there system. All 3 checks have cleared check # XXXX drawn on XXXX for {$100.00}, check number XXXX drawn on XXXX XXXX XXXX for {$200.00} and check number XXXX for {$130.00} drawn on XXXX XXXX. All three checks cleared my banks on XXXX. Now they want me to dig up copies of these cleared checks and send them to them because they screwed up and can not locate my cleared checks. They want me to do hours of work going to each bank and requesting copies of the cleared checks. You should note I do not do any online banking for security reasons. They are not offering to compensate me for my time, yet they charge me when ever i make a mistake and send them a late payment. I bill my time at {$350.00} per hour and this will take at least 2 hours to to get them what they are requesting plus i have to pay each bank for the two copies of each check as they want front and back of each check

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 2017-11-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
XXXX XXXX client XXXX XXXX is an identity theft victim. His information was used without his consent to apply for several credit cards. The applications were stopped however the activity generated fraudulent inquiries on his credit reports. The creditors have been notified several times of this however the inquiries remain on the credit report. This is a violation of the FCRA and our clients federal consumer rights. A current credit report shows Capital One, XXXX  XXXX and XXXX XXXX XXXX are still listed as inquiries after several formal disputes were provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: CT

Complaint narrative:
Wells Fargo Home Mortgage has sent inspectors to my house without my consent at different times. 

I called customer service today XX/XX/XXXX and I found out that I have to pay those fees equivalent to {$2200.00}. They said they have the right to do it because I have a delinquent balance. 

In the past my husband was hospitalized for a period of a year and we lost our primary source of income.. We had to file for a Chapter XXXX to keep our house about three years ago. Our mortgage payments and chapter XXXX payments are current. 

I feel a victim of Wells Fargo 's actions because they did n't ask my permission to send inspectors even though I have been living in the property since the house was bought. 
They also increased my monthly payments due to a force insurance since XX/XX/XXXXeven though I have keep my home insurance current every year.

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 2017-11-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
Cbna or Sears I 've never applied for any type of credit check or whatever this is I signed up for. I 've never been to a Sears in my entire life

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 2017-11-10 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BOK FINANCIAL CORP
State: CA

Complaint narrative:
XXXX, a division of BOKF, NA ( the " Bank '' ), is the trustee for a Special Needs Trust ( the " Trust '' ) which was established for the care of a XXXX injured individual ( the Decedent ) who XXXX away suddenly and unexpectedly in XXXX XXXX. The Bank is in regular communication with the father and caretaker of the Decedent ( the Caretaker XXXX, and knows the Caretaker gave up employment opportunities and dedicated himself to the care of his now-deceased son for the last decade. The Bank knows that the Caretakers sole income was a stipend he earned as Caretaker, which the Trust stopped paying after the XXXX of the XXXX. The Caretaker is the primary beneficiary of the Trust.
The Bank has unfairly and unreasonably delayed closing the Trust and disbursing the remaining funds to the beneficiaries of the Trust. The Bank has also refused to reimburse the Caretaker for trust expenses the Caretaker paid out of pocket over the last decade. The Bank misled the Caretaker by indicating it would reimburse his expenses after paying a healthcare lien, yet the lien was paid in  XXXX XXXX and the Bank has not reimbursed the trust expenses paid by the Caretaker. 

In addition, the Bank refuses to communicate with the Caretaker about basic daily administrative items such as vehicle and home insurance for Trust assets. Caretaker lives in a home owned by the Trust and drove a vehicle owned by the Trust until he was forced to report it as a planned non-operational vehicle based on a lack of communication from the Bank about auto insurance. 

The Bank is unreasonably and wrongfully delaying disbursement of the Trust proceeds to the beneficiaries. It is unfairly maintaining control of Trust assets and has made deceptive representations about reimbursing the Caretaker. The Bank is required to file a final accounting in order to dissolve the Trust, has not done so over nine months after the XXXX of the Decedent, and ignores all inquiries about when the document will be filed. 

In fact, in the last communication it had with the Caretaker, via e-mail on XXXX XXXX, XXXX, the Bank admitted it was having difficulty complying with California regulations because it was unfamiliar with California law, stating, I am trying to get this wrapped up as quickly as I can, but am not as familiar with navigating the California rules as I am with Kansas or Missouri. As such, it appears the Bank is misleading consumers by offering services in numerous states when it is unqualified to do so in a competent manner.

Company response to consumer: Closed with explanation