vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-04-04 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: MD

Complaint narrative:
I 'm serviced by Navient, I was required to start paying back my loans before I had actually graduated a year after take a leave of absence form school because of the economic downturn at a time when I had only XXXX class left to matriculate. Navient encouraged me to use forbearance during this period when I might have been directed to an ICD or ICR payment plan. I would like Navient to be require at minimun to be responsible for the increase of debt/payments resulting from this.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-07 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Homeowner is a XXXX divorced woman. she is a XXXX, needing assistance to do simple task like taxes, answering the phone or even walking. 
The homeowner has been fighting the investor : Countrywide Financial, inc., XXXX, Bank of America and XXXX. 
The homeowner has filed Bankruptcy Ch. XXXX and will be dismissed on XXXX. 
The homeowner has ordered a XXXX Securitization Audit and show strong evidence that the following possible violations exist : 1. Broken chain of title. 
2. No just standing 3. Gross fragmentation of the note to XXXX. 
The home owners XXXX audit produced in XXXX also show strong known robo signer participation in MERS documents and more. 
The Homeowner alleges the following investor, XXXX ; most likely know of the broken title and no just standing : but started the foreclosure process without just standing. The investor, XXXX include : : COUNTRYWIDE HOME LOANS, INC. ; THE XXXX AS TRUSTEE FOR SECURITIZED TRUST XXXX XXXX XXXX ; COUNTRYWIDE HOME LOANS ; XXXX. ; COUNTRYWIDE HOME LOANS SERVICING LP ; MORTGAGE ELECTRONIC REGISTRATION SYSTEM, AKA " MERS '' AND DOES XXXX THROUGH XXXX, INCLUSIVE. 

The complaint includes : 1. LACK OF STANDING TO FORECLOSE ; 2. FRAUD IN THE CONCEALMENT ; 3. FRAUD IN THE INDUCEMENT ; 4. INTENTIONAL INFLICTION OF XXXX ; 5. QUIET TITLE ; 6. SLANDER OF TITLE ; 7. DECLARATORY RELIEF ; 8. VIOLATIONS OF TILA ; 9. VIOLATIONS OF RESPA ; 10. RESCISSION. 
Recently Bank of America NA hired a paralegal company to respond to previous complaint : the XXXX. The response diverted any answers from complaint : by not answering any of the complaint issues. They simple just wrote back that Bank of America was compliant and did not answer the complaint issues of broken title or wrongful foreclosure. This paralegal novice did not know how to answer the complaint. The simple response was forward top XXXX : then again re-forward to XXXX. The same old run around. 
The complaint showed that a XXXX XXXX was conducted and shows STRONG evidence that a broken chain of title was discovered, that investor was hiding behind the processor,, XXXX and XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-31 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I had rented a safe deposit box since XX/XX/XXXX.The rental fees were paid always before the due dates. 
XX/XX/XXXX - I received a notice dated XX/XX/XXXX from Bank of American : notified me that my safe deposit box was forced open by drilling the lock due to no receipt of requested renter ( s ) information. 
XX/XX/XXXX & XX/XX/XXXX I took my time off from work to meet with BoA representative to handle the issue. I was forced to make payment {$150.00} for the drilling fee in order to submit the request to get back my contents of the box.. 
XX/XX/XXXX I found there were missing documents, a broken jewelry and a XXXX-gram gold plate during the safe deposit box contents check. After that, I had to take back the contents immediately although the safe deposit box fee had been paid for the period until XX/XX/XXXX. I was getting the risk to transport the contents to my home. 
XX/XX/XXXX I mailed a Customer Loss Claim information to BoA 's representative. 
XX/XX/XXXX I emailed the BoA 's representative to follow up the loss claim form receipt. 
XX/XX/XXXX I mailed the Customer Loss Claim and the email copy by certified mail to the the BoA 's representative, trying to confirm receipt of the claim. 
XX/XX/XXXX I received a call from the BoA 's representative informing me that the claim information was forwarded to an investigation unit which will contact me directly. 
XX/XX/XXXX I received a denial letter dated XX/XX/XXXX. 
From the above experience, I believe the bank treat me very unfairly and I do n't think it is safe when you put your important stuff in a bank 's " safe deposit '' box. 
1 ) I do n't understand why Bank of American just sent me A REGULAR letter before forcing to open the box. 
2 ) Why Bank of American opened the box without informing the customer who was paying the fee in time, never delay. 
3 ) Forcing customer to pay the drilling fee without good reason. 
4 ) During the whole period of time above, the Bank of American representatives did n't apologize or thank for anything to me. I do n't think they were doing their job professionally!!

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 monetary relief
Consumer complaint received 2017-03-30 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: TENET HEALTHCARE CORPORATION
State: GA

Complaint narrative:
My attorney and I have attempted to contact Central Financial Control on several occasions going back 2-3 months to obtain and itemized statement of services received on XX/XX/2016, in order to settle my lawsuit and pay the debt collector. This bill was generated from XXXX XXXX Hospital in XXXX, GA. Central Financial Control promises a 7-10 business day timeframe for receipt, however, they continuously fail to furnish the necessary documentation as requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC.
State: NC

Complaint narrative:
After the housing market bubble burst, my husband, XXXX, went from making XXXX figures to stick figures ... .i asked Navient/XXXX about my options ... they suggested forbearance. I was on consecutive forbearance since XX/XX/XXXX I believe because they said that was my only option. I began paying XXXX XXXX in XX/XX/XXXX and then Navient took over. I have tons of late fees and interest to where my balance is above what I borrowed. My account number is XXXX. My XXXX repayment plan i started is to end in XX/XX/XXXX. I can currently afford what I am paying now but in XX/XX/XXXX I '' m not sure what I will do. I have loans from XXXX at XXXX University XXXX Pennsylvania and for one year of tuition at XXXX University XXXX XXXX XXXX in XXXX Pennsylvania. Navient wo n't pull my payment history from the days when I was paying XXXX XXXX so I ca n't download that history of payment. At one point i owed just {$34.00}, XXXX ... now it 's {$43000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-04 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: DC

Complaint narrative:
On XXXX XXXX, 2017 I received a notice from Southwest Credit that I owed XXXX {$220.00}. Two things are wrong about this : 1 ) I have never had an account with XXXX 2 ) My name is spelled wrong on the letter that was sent to my house.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-09 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
whom it may concern, I mailed several letters of dispute last one being certified on XXXX XXXX XXXX in regards how XXXX XXXX is reported on my credit report. Once again within a few days it comes back as verified. XXXX is reportinb me to be anywhere from XXXX to XXXX says late and being over XXXX behind. They only purchased my mortgage in XXXX from another servicer. In XXXX I obtained a government modification which at that time my acct was at a XXXX past due and my new payment became XXXX a month. It does not add up. I am given the run around when it comes to verification. According to the FCRA Rules, FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ), it states that any information can be disputed and MUST be investigated and if you do not investigate AND respond, the CRA must delete the disputed information from its files. The fact that I received a response a week after the receipt of my certified letter, one can assume that there was no investigation into the matter. I was told they have reinvestigated the account but it seems that all they have done is parroted information given to them by other sources and shifted the burden back to me to to contact the creditor to verify the account which is clearly a violation of 1681 ( a ) ( 4 ). Under section 611 ( 5 ) ( A ) of the FCRA it states the CBA is required to promptly DELETE all information which can not be verified.

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 2017-04-05 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Experian reinserted previously deleted information without notifying me as required by the FCRA. They are also reporting inaccurate information on my credit file. They have violated multiple consumer protection laws.

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 2017-04-06 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: Penn Credit Corporation
State: PR

Complaint narrative:
I received a letter on XX/XX/2017 alleging I had an unpaid tax balance in the state of Maryland. I have never lived or worked in the state of Maryland, and have only been there once to visit XXXX XXXX as a tourist. After submitting a letter requesting more information and disputing the debt, I received a letter supposedly from the Comptroller of Maryland stating that the balance due was based on information provided by the IRS stating that I filed a Federal return using a Maryland address. However, they could not find a Maryland return processed. I have never filed a federal tax return, because I live, study and work in XXXX. This information is clearly wrong.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-07 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
The following inquiries were requested to be removed these inquiries are not factual record and they are unauthorized.. XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX.

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 2017-04-03 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
In mid XX/XX/XXXX, my wife suffered a tremendous accident and was diagnosed with a medical condition making it impossible for her to work causing a horrendous hardship. In addition I lost my full time job due to the care I had to provide to my wife. I desperately call my lender Wells Fargo Home Mortgage requesting assistance with my loan and they refused to help due to my loan being current. 

I was astonished in shock when the representative of Wells Fargo advised me to stop making my mortgage payment it was the only way to assist me, I was informed that after three months they would help me with a modification under the ( HAMP ) Making Home Affordable program, I proceeded with their instructions and stopped making my mortgage payment, for several months I began to fax all requested documents in addition they had me notarize the documents we faxed to the modification department. I was constantly transferred to different Wells Fargo Home Mortgage representative and agents. I was XXXX, anguish they kept denying my request for a modification, Wells Fargo Home Mortgage instruction had been to stop my mortgage payment and they would help me, it has become a nightmare. I continued to plead with them for a loan modification but to no avail. 

I want to file a SECOND complaint against Wells Fargo Home Mortgage for the deceitful, dishonest, lies and corrupt, method they apply for a loan modification in order to deny the ( HAMP ) - Making Home Affordable Program and any loan modification after I was assured I would be eligible for a loan modification if I followed their instructions and I did Wells Fargo Home Mortgage has lied by making me believe I could trust them with my home loan. I believe this is clearly a violation of the HAMP program code 1.1.3 HAMP Tier 2 Eligibility and Tier 3. Additional Factors Impacting HAMP Eligibility and the program codes 3.1 & 3.2 ( Protection Against Unnecessary Foreclosure ) - ( Suspension of Foreclosure Proceedings in Process ) and pursuant to section 101,108 and 109 of the Emergency Economic Stabilization Act of XX/XX/XXXX and the Foreclosure Relief Act of California SB 1137 which I fall within the aforementioned guidelines. 

I also consider they are violating The Truth In Lending Act - TILA. This federal law was enacted in XX/XX/XXXX with the intention of protecting consumers in their dealings with lenders and creditors. The Truth in Lending Act was implemented by the Federal-Reserve-through-a-series-of-regulations.

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 2015-12-21 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Threatened to take legal action
Company: P&B Capital Group, LLC
State: TX

Complaint narrative:
An individual from P & B Capital Group has called me on my phone and at work ( in the Do Not Call registry list ) and left XXXX messages indicating that there is an urgent matter that they want to discuss and that it may be something that I am not aware of. However they feel that they must now contact my employer for employment verification- this is not something that they can do or not sure what the point of that is for. I have not received any written notification of outstanding debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-11 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: Rent Recover, LLC
State: GA

Complaint narrative:
Rent Recover, LLC has attempted to collect a debt that has not been validated and is not mine. Rent Recover, LLC calls multiple times harassing and threatening me for a debt collection that is not mine. I would like this debt removed from ALL XXXX credit bureaus : XXXX, XXXX, and XXXX. This debt that I do not owe is affecting my ability to buy a home.

Company response to consumer: Untimely response
Consumer complaint received 2016-12-23 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: A & O Recovery Solutions, LLC
State: NH

Complaint narrative:
I made an offer to a debt collector. They accepted my offer. 
I sent them a bank check by registered mail. I received the ticket that they had signed and received my payment. I went to the bank and got a photo copy of the cancelled check the debt collector had been paid by. The debt collector keeps calling me saying they have not been paid. They have been paid and I have written proof of it.

Company response to consumer: Untimely response
Consumer complaint received 2016-12-31 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Threatened to take legal action
Company: Blackrock Mitigation Group LLC
State: TX

Complaint narrative:
On approximately XX/XX/2016 I was contacted by a person who claimed to be a courier. He stated he had an important paper for me. When I asked what he stated " maybe a summons '' I asked who he was delivering it for and he provided me a phone number. I called the number and spoke to a representative who stated that they were a pre litigation company and were contacting me to see if I wanted to pay the bill owed to XXXX . He further stated that he worked with an attorney in the office who represented XXXX and that he would see if they would take a settlement. This representative never informed me they were a debt collector and that they were attempting to collect a debt. They stated that XXXX may still want to take me to court even if I paid. Fearing a lawsuit I paid them {$980.00} with a credit card. The representative further stated that they would send me a letter to submit to the credit bureau 's to have the charge off removed by XXXX. When I did this the charge off was not removed. I called XXXX and they stated that they had sold the debt to Blackrock and that the charge off would remain on my credit bureau for 7 years. I paid Blackrock under the believe by their statements that they were attorneys planing to sue me and that by paying the debt I would have the charge-off removed from my credit report.

Company response to consumer: Untimely response
Consumer complaint received 2017-04-09 00:00:00
Product: Credit card — 
Issue: Late fee — 
Company: BARCLAYS BANK DELAWARE
State: WI

Complaint narrative:
made my wife s credit card payment on time and they still assessed a late payment fee and will not reverse it

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 monetary relief
Consumer complaint received 2017-03-31 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Threatened to take legal action
Company: Weinberg Mediation Group LLC
State: CA

Complaint narrative:
Some woman from Weinberg Mediation Group called at around XXXX and left a voice mail threatening to go to take legal action. No letters were sent to me so I do n't know who this company is.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-28 00:00:00
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: Diversified Recovery Services Inc.
State: TX

Complaint narrative:
XXXX keeps calling me acting like they are process servers and saying they are coming to serve me at my job, I will be arrested at my home, my wages will be garnished, they will tell my job about my debt. they also said they will tell my references about my debt. they have called with a man pretending to be an investigator. he left a message with a " legal case '' number to call back with. they are also trying to collect twice what is owed, and speedy cash is still trying to collect the original amount.

Company response to consumer: Untimely response
Consumer complaint received 2017-02-01 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: Diversified Recovery Services Inc.
State: MS

Complaint narrative:
The XXXX collection was taken off of my credit report last year. It was illegally added back XX/XX/2017.

Company response to consumer: Untimely response
Consumer complaint received 2016-05-10 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CAB Receivables, Inc.
State: GA

Complaint narrative:
This debt collector has intruded into my credit trade lines via a third party. They are in possession of my person 's nonpublic ( private ) data, which is a violation of the Social Security Act, Gramm-Leach-Bliley Act, Title 18 and the FDCPA U.S.C. 1962c ( b ) and Identity Theft with is a violation of the FTC. I never verified my person 's social security number and XXXX XXXX , XXXX has never obtained my prior consent to communicate with me FDCPA U.S.C. 1692c ( a ). 
I sent a Cerified Return Reciept letter to the companies registered agent in addition to a copy sent directly to this debt collector to include a cease and desist and removal of this information from my trade lines with an invoice for damages enclosed. I have given them the proper amount of time to contact me with regards to this and they have failed to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-29 00:00:00
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I have a business account with citibank. A customer placed an order with me by phone, the amount of the invoice was XXXX USD the customer told me that he would pay with a citibank check and he would deposit on my citibank account, I told him that the funds have to be available before I can give the merchandise, he deposited on XXXX on XX/XX/2017 but it was pending, the next day XX/XX/2017 I saw my funds available online, not satisfied with this, I went to a citibank atm and printed out the available money receipt, not satisfied with this I called Citi Business and talk to a representative that assure me that the check was deposited and the funds available so the customer came with his truck and took the merchandise. Today XX/XX/2017 Citibank takes the money out of the account with a hold, when I go to the branch they tell me that in fact the deposit made on a Citibank branch with a citibank check but the account number does n't exist and that they are not liable for this that I should until they send the check to me and I should place a police report, but that they are not responsible. I would think that, inmmediatly as soon as the fake check arrived to the teller since its from the same bank they would know is fake and that they are responsible. 
Name of the Account : XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX

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