vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-02-19 00:00:00
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: Santander Consumer USA Holdings Inc.
State: VA

Complaint narrative:
XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX VA XXXX Santander consumer usa Santander consumer usa credit on my XXXX Credit report This letter is your formal notice to cease your unauthorized hard inquiries into my credit report and, a formal demand that you immediately contact the credit reporting agencies and credit bureaus XXXX, where your organization has made inquiries into my credit history, to have your illegal inquiries removed. Be advised that I will be checking my reports to ensure you have had the following unauthorized inquiries removed : SANTANDER CONSUMER USA XXXX XXXX, XXXX To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer. 

If you are in possession of any document that you believe authorizes you or your organization to make inquires into my credit report, I respectfully request a copy of this document be sent to my address listed above so that I XXXX verify its validity. Given the amount of identity theft, I 'm sure you 'll agree that verifying your information is in your best interest. 

Finally, assuming you do not posses inquiry authorization, I request that, after removing your unauthorized inquires from my credit profiles, you also remove all of my personal information from your records and send me confirmation that you have complied with my requests. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-19 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC.
State: VA

Complaint narrative:
I recently filed for bankruptcy. I was current with my Navient STudent Loans, paid XXXX off and was on auto pay. last month, Navient cut off my auto pay and disconnected me from using the webpage to log in and pay my bill. I noticed it was not paid, so was going to use the website and make sure I was still set up on auto pay. 
I called and a rep told me that she could not help me and I would get a notice in the mail due to my bankruptcy which was final XXXX XXXX. I called back a few days later, worried they were trying to stop my payments and garnish my spouse wages. I was able to make them reset up my payments that were not late and Due XXXX XXXX. Relieved, I was able to stop my anger and get on. 
Yesterday, I was called by a Navient collector and he said that the payment did not go thought because I was not late, Now I was late and had to pay late fees. Then I could go through the process of setting up on auto pay. 
I was cut of from my account, and make late with interest, all the while current on my student loans. They kept telling me that they could not find my account and my spouse was made primary on the loans even though were current. The bankruptcy did not disolve my loans, why was I harrassed, blocked from payments, and made to answer an recording about being in forbearance. I was forced to answer that I was in forberance in order to get back on auto pay. It is humiliating enough to have a college degree and no stable income. To be treated in this manor has caused me undue stress. 
I have other student loan providers, who did not do this to my when I was in bankruptcy. I need help getting back my interest that I had to pay. the collectors on the phone will not stop until I paid the late fees and was put in forberance. I also got a letter that I needed to update my email address, or some benefits would be stopped. I had unsubscribed to emails since I was on auto pay. I did not want monthly notices from them. They had my email address already. Nothing has changed. 
I never got a good job since going to college an never had the money to pay back loans, I work several jobs to make ends meet. Recently started my own business to get work.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-04 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XXXX XXXX, XXXX I received a notice of withdrawal of the dedicated single point of contact ( SPOC ) from Bank of America of XXXX XXXX, XXXX. Since no written determination has been provided to me on appeal, I am considered pending in the modification process and the modification process is incomplete to date. Therefore, as a matter of law, a dedicated single point of contact is required to be assigned during the entire loss mitigation process. It is not acceptable to remove the SPOC ten ( 10 ) days prior to the Trustee 's Sale at auction, especially when that sale is improper. It should also be noted that this latest assigned SPOC, XXXX XXXX, had only been assigned for one week ( 7 days ) from the date of the notice of withdrawal of the dedicated SPOC. And this after my repeated requests to have XXXX XXXX removed as the SPOC without any acknowledgement that my request was considered. All I was told by Bank of America representatives was that it is not required I be allowed to pick and choose the SPOC. Just to be clear, I never requested to choose the SPOC. I did request any assigned SPOC be competent and knowledgeable of loss mitigation processes, as XXXX XXXX was not and it appears she was the SPOC responsible for forwarding the account to foreclosure, and improperly so. 
Upon confirmation of receipt of both of my requests for mortgage assistance ( RMAs ) of XXXX XXXX and XXXX XXXX, Bank of America has done everything to separate me from my home rather than actually offer mortgage assistance as required and in accordance with the agreed upon court ordered terms of the National Mortgage Settlement ( NMS ). Bank of America continues to refuse to correct errors made known to them during the loss mitigation process. 

All previously mentioned resolutions for the injury and harm caused are desired and mandatory. 

I did not default on Bank of America XXXX Bank of America defaulted on me!

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 2016-09-14 00:00:00
Product: Debt collection — Credit card
Issue: False statements or representation — Indicated committed crime not paying
Company: Colony Brands, Inc.
State: LA

Complaint narrative:
After asking to stop these credit cards because i no longer need them and it was agreed and the interest began to grow after paid up. I have asked them several time to cancel. After getting my credit reports from all beaus i noticed they have been placed in collection. I am asking for them to be removed and delected from all XXXX credit bureaus immediately. I have been desputeing these item over and over again.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-25 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Rausch, Sturm, Israel, Enerson & Hornik, LLP
State: TX

Complaint narrative:
I have been sued and a judgement against me. I never knew about the judgement, as I responded but never got a court date to appear. the statue of limitations has passed. When trying to set up payment arrangements I never received any type of office to send the monies. I have now relied a notice of Application for Appointment of receiver. I can not get ahold of either of the debt collector attorneys.

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 2015-04-21 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Cascade Capital, LLC
State: OK

Complaint narrative:
Debt was wrote off, Time barred Debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-26 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Southwest Credit Systems, L.P.
State: LA

Complaint narrative:
I had an account with XXXX that was opened XXXX/XXXX/XXXX. The account was sold or transferred to SW Credit Systems L.P. and they are reporting the date placed for collection as XXXX/XXXX/XXXX which is making it appear as though I just recently opened this account. I have not lived in Pennsylvania where the account was opened since XXXX XXXX. I disputed the date with XXXX and SW Credit Systems L.P. did not correct the date. I need the date to be corrected to the original date the account was placed for collection which was in XXXX, as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-12 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: HABITAT FOR HUMANITY INTERNATIONAL, INC.
State: PA

Complaint narrative:
! I 'm a XXXX XXXX XXXX home owner..I got my year end statement of escrow..its overage is XXXX. I asked for full refund! They will only credit my account XXXX\month for one year $ ( XXXX ) keep the {$700.00}??? Can I get my overage refunded? I need me money back.. 
I have written several requests for my refund. I am being denied even tho they admitted to this issue..and choose not to refund my overage. I am very frustrated as they told me my mortgage will be in foreclosure if I refuse to pay since I 'm in overage ... I was just going to apply that overage credit it to my monthly payments until it 's absorbed.. 
They refuse to do either ... I need my refund escrow overage. They are trying to keep it..control it ..and refuse a refund.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-10-30 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: Southwest Credit Systems, L.P.
State: KY

Complaint narrative:
I recently received this letter from this company informing me that I owe them money, to my knowledge this company has never provided me a service and neither have I entered into a contact with them to pay them for said services

Company response to consumer: Closed
Consumer complaint received 2015-09-16 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
There are several hard inquiries on my credit report, and I did not authorize them. Also, there is a paid lien that needs to come off, and the XXXX on my report was not me, and is past the statute of limitations, and should come off. I asked a credit fixer about it, and he said because the debt was bought by another company, they restarted the incorrect date. Please review my credit report and fix these problems. Thank you for your help, Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-03 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Houston Finance Co.
State: TX

Complaint narrative:
Houston finance has been paid off and closed since 2012 and I disputed this account with the credit bureaus and it came back as reported accurate. This account is reporting that it 's 120 days past due and that is impossible if it 's paid off not to mention it was never to the 120 days late. This account is affecting of my credit report and credit rating by inaccurately reporting the status as 120 days late.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-02 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Cascade Capital, LLC
State: NH

Complaint narrative:
I have repeated asked the Debtor to provide proof ( by way of the original bill ) of this debt - both on my own and through your agency. The collection company has put this collection on my credit report without verifying to me that it is a debt. That was a ludicrous move because they were far likely to get paid ( if the bill is even legitimate ) had the only reported IF I did n't pay. Now, regardless of the outcome, what is the incentive - it is still on my credit. I read complaint after complaint about these people and there is no one that does anything about it. Shame on everyone involved. Putting this bill, without an proof, on a credit report for a alleged bill I owe back to 2009 is extortion. Shame!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-10 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: E*TRADE BANK
State: NY

Complaint narrative:
As the XXXX XXXX XXXX, I reached out to eTrade to set up a business bank account, along with an initial deposit and IRS EIN. I received a letter saying that the account was approved and open, along with instructions for accessing the account. When I tried to do so on XX/XX/XXXX, however, I received errors from their Web site. Upon calling in, I was told that eTrade has chosen not to do business with my team ( my existing personal accounts were not affected ), no explanation would be given, and that I would have my money refunded within 7-10 days. Today, on XX/XX/XXXX, I received a call saying that I would have to submit a letter from my XXXX and proof of identity in order to get my initial deposit back, despite that deposit being transferred from my personal eTrade account. 

It is bad enough to opt to close my account days after it was initially opened. It is worse to opt not to provide any explanation. But it is ( or should be ) downright criminal to then hold my funds for well over a month while waiting to supply me with instructions on how to receive my money. 

I am in the process of supplying eTrade with the requested documentation, but I 've been given no ETA on the refund of my initial deposit. I will be looking at alternatives for my personal and business banking and trading needs and suggest others do the same.

Company response to consumer: Closed
Consumer complaint received 2015-05-24 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Receivables Performance Management, LLC
State: CA

Complaint narrative:
Repeated phone calls covering XXXX years for a person named XXXX XXXX, who apparently had my phone number previous to me. 
The agency goes by the name of Receiver Performance Management. Their phone number is XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-10 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Genesis Lending
State: OR

Complaint narrative:
Hello! I am a " graduate '' of XXXX ( XXXX location ). I graduated in XX/XX/2010. The school was XXXX of the worst experiences of my life. It started on my first day, during orientation, found a forged signature on a document that I 'd never seen. I had my life threatened multiple times, teaches threatening to not let me graduate due to a little facial hair stubble, among many other things .... its hard to explain how terrible this place was. Lies everywhere about post-school work, pay, and life. The school is now gone, closed, and was a pointless +- {$32000.00}. I graduated with a little piece of paper and a huge debt. XXXX colleges has gone away, and so has any credibility of me going to XXXX. I 've paid all but about {$5000.00} of my school loans. There have been multiple reports on loan forgiveness and loan reimbursement. The non-federal loans are paid off due to the 18+ % interest. The {$5000.00} left is for the federal loans. I 've never missed a payment, and have tried VERY hard to make ends meet with this debt. The private loan company is Genesis Lending and they told me to contact you. Their loan amount was around {$13000.00}. I need some help here, XXXX Colleges fraud has null and voided any meaning of me going to XXXX. The school/my " training '' is just a big joke to employers now. Thanks for reading this.

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 2015-12-22 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: Receivables Performance Management, LLC
State: NC

Complaint narrative:
They continue to call after I 've made a payment on XXXX XXXX and made payment arrangements. Asked them to not call me on Sunday and they call 7 days and week multiple times a day. Then when I call to speak with a Manager they hang up on me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-30 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I made a purchase for furniture with XXXX XXXX, check # XXXX is with my checking account at XXXX Bank account. The salesman ( XXXX XXXX ) used wife 's ( XXXX XXXX ) name on the check instead of the furniture store. Someone cashed the check and did not deliver the furniture. The furniture store is no longer in business, and we are having difficulty verifying who cashed the check. This constitutes fraud. I want a refund. XXXX Bank refuses to provide the information about who cashed the check. After several months, they now say it was cashed at TD Bank. XXXX confirmed that they do not verify payees, and will clear a check with anyone 's signature even if it does not match the payee 's name on the check. I contacted TD Bank, upon XXXX Bank 's insistence. but TD Bank is saying to contact XXXX Bank. Neither wants to take responsibility for verifying the payee. TD Bank refuses to give any information to me and says XXXX Bank should contact them so both banks could resolve the issue. XXXX Bank refuses to handle the matter.. Attached is a copy of the XXXX check, and a copy of the audio recording made with TD Bank who says XXXX Bank must contact them. THIS COMPLAINT IS FOR XXXX PARTIES -- TD BANK AND XXXX BANK.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-13 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Regional Management Corporation
State: TN

Complaint narrative:
I am currently behind on a loan with Regional Finance in XXXX. I left my job for another and was promised more money at the new job and that did n't happen. When I went into the office, like I had promised to do, to talk about getting my loan caught up, I was told to take all mine and my boyfriend 's money, pay all my bills ( as in get everything caught up ) let his car payment with XXXX fall 3 months behind and then leave him and move back in with my mom. Now I do not have a bad relationship in my personal life but giving advice like that is not okay. So I was informed if I do not make a payment by Friday then they would continue with collections. That is fine but they do not need to constantly call my work, I have a personal phone and if they can not reach me there then they do not need to constantly contact references more than once in one day. That is not how a loan company works.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-14 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Collection Consultants of California
State: CA

Complaint narrative:
I have repeatedly tried contacting and disputing XXXX collection which were placed against me which are not valid. Items # XXXX and # XXXX need to be deleted from my credit reports. On XXXX/XXXX/15 I sent a complaint and a dispute to Collection Consultants of California regarding XXXX previously invalid collections placed against me. They continued to leave machine recorded messages and text messages on my cellular phone regarding this debt that i supposedly owe them and I have had enough of their unlawful tactics. I have not even received the required partial response within 15 days after my initial CFPB complaint adjacent them. These items, which I have disputed since XX/XX/XXXX with them and the bureaus are still reporting on my credit files and that is not legal. They are ignoring my disputes and have not sent or validated the debts nor have they responded to my requests to stop communicating with me. I have waited for any verifications through the credit reporting bureaus and have received nothing. I have no idea why these XXXX accounts are on my credit report as these bills were paid in full through a lawsuit/ judgment against a limosouine company years ago. I have no part in this debt nor is this debt, which they continue to ignore and blindly verify, legal. They use abusive and frequent tactics to harass me and that is senseless, as I do not owe these XXXX debts. They have failed to verify or process my dispute # XXXX

Company response to consumer: Closed with explanation