vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-01-20 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
HELLO XXXX XXXX XXXX apply for a mortgage loan from Santander bank in XXXX PA. For the purchase of a property that had to be repaired but not much since I personally had the staff available and the contractors to repair the property. The realtor asked me for a deposit of {$1000.00} dolare. I have an excellent credit About XXXX points and my salary is ecellent I am a retired person and XXXX. The bank asks for money in checks and that there would be a new account with them and all supposed mind for the house. The loan was 2.8 % so I stayed with them and {$13000.00} suddenly, when it increased soon to {$26000.00}. The bank raised the interest to 3.99 % I paid all the certification of the reading area wather authority I paid the apraisal of real property. Which indicate that in reparal the property had a cost of {$2500.00} dollars as a person left an open door traceras and stole XXXX feet of copper pipe of the house. Only the basement but the same would be remplasado in 1/2 day since the house had water and make a repair of the window of the second floor that by the strong winds lost a protective bareta and the water entered but very little was repaired but not corecta mind. And to replace a pedaso of panel on the second floor I have the photos to be more detailed I have the money for the repairs this was informed the day of request of the loan and they gave a combentional loan to me and not an FHA. And the closure was scheduled for XXXX XXXX, XXXX and was suspended without warning because they wanted more inspections of light and water and the roof. The house has connected the water and the light and the roof. After being paid to the contractors the bank without notice on XXXX XXXX, XXXX. tells me that they can not give me the loan because I did not make it biable and that the money lost would not recover it that they give me a personal loan of XXXX XXXX Dollars to the 7.9 % that if I take it or leave it which provoked that I can lose the house and because of it I paid fines for breach of contract and that I lost {$1000.00} dollars without counting what I gave to them. To all this was not communicated the house has a value of {$70000.00} giving suddenly {$26000.00} for a loan of {$43000.00} the value of the property in the market is {$120000.00} dollars

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 2015-10-19 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Reverse Mortgage Solutions, Inc.
State: FL

Complaint narrative:
I have a reverse mortgage and am getting threatening letters that I can lose my home because I owe XXXX for property insurance even though I sent proof that my condo XXXX provides it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-06 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
In XXXX XXXX, I submitted a complete loan modification with Bank of America to modify my second mortgage of {$150000.00}. I am currently delinquent {$19000.00} in mortgage payments on my primary residence. I was actively and diligently working with my loan relationship representative to modify my loan. On XXXX XXXX, XXXX, I was approved for trial loan modification payments of {$630.00} for the months of XXXX XXXX, XXXX, XXXX XXXX, XXXX, and XXXX XXXX, XXXX. I made all my trial payments as requested and was expecting to have my loan modified. 

On XXXX XXXX, XXXX, Bank of America recorded a Notice of Default to foreclose on my property. I made all my payments as agreed. Bank of America lied to me and lead me to believe they were working with me in modifying my loan. 

Bank of America intentionally used dual- tracking while I was on a trial loan payment period. 
Bank of America has violated the California Homeowners Bill of Rights, which prohibits dual tracking. Bank of America continues their unethical, fraudulent, and corrupted business practices with the public. Bank of America is hurting the nationwide public by practicing dual tracking with home owners. 

A Bank of America employee signed a written California Declaration stating she was unable to contact me to assess my financial situation and what options were available to me. 
Bank of America proceeded with recording a Notice of Default for foreclosure. The Employee has lied under the written Declaration of being unable to contact me. I was in a active loan modification review with Bank of America working with my relationship rep. to modify my loan. 

The Bank of America employee who signed the Notice of Default written California Declaration, ROBO Signed the written Declaration. I was always in contact with my loan representative working with her in obtaining a loan modification. 

This complaint must be forwarded to the Office of the Comptroller of the Currency ( OCC ), The U.S. Federal Reserve, and the U.S. Treasury Department. I will also be making a complaint with the Federal Bureau of Investigation ( FBI ) to document this corruption and to request an investigation of Bank of America illegal loan activities.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-05 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: General Motors Financial Company, Inc.
State: KY

Complaint narrative:
GM Financial is reporting negative account information to the XXXX major credit bureaus. I have faxed, emailed and called about the inaccurate late payments and they have not as of yet corrected my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-14 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Reverse Mortgage Solutions, Inc.
State: VA

Complaint narrative:
I inherited a home from my grandmother after her death on XXXX XXXX, XXXX. She had taken out a reverse mortgage on the home before she passed, but when I notified the company about her passing they told me that I needed to submit paperwork to them. I immediately started the process of giving them whatever they needed from me and then they informed me that I to file the paperwork in court. I did so, and sent them all of the necessary documents at least four times, along with the notice of intent that was mailed to me ; stating that we intended to refinance the home. They never sent us back any correspondence, not even a pay-off request letter but started foreclosure proceeding in XXXX XXXX. I was told this from the law firm that they hired to do the auction sale. I received notice of this on XXXX XXXX, XXXX via certified mail from their attorney stating that the home was going up for auction on XXXX, XXXX at XXXX. That stated that they never received any paperwork from me, but I said that this is not true because if you never received anything from me, then how is it that the attorney that you hired to handle the proceedings knew that I was the executor of my grandmother 's estate? They could not answer this question. Then they went on to say that they could n't speak to me because I 'm not authorized on the account. Lastly, as of XXXX XXXX, XXXX I spoke to XXXX at Reverse Mortgage Solutions, and she said that they received some of the paperwork from me but not all of it. I told her that this is far from the truth and that I had just sent everything over again 3 times. XXXX copy certified, XXXX copy faxed, and the last copy regular mail. She then notified me that they would need a request pay-off letter from me, and a letter of intent, along with a request to stop the sale. I have again complied with everything that they have asked of me, but at this time I feel that they have failed to do what they needed to do to ensure that my grandmother 's home is saved. Can you please help me?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-12 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: HANCOCK WHITNEY BANK
State: AL

Complaint narrative:
I am a member of hancock\ Whitney bank and I needed a document notarized, upon getting arriving which is a branch I visit daily I asked to have a document notarized the guy who knows me as a every day customer turned to the branch XXXX and asked her was the person there she immediately looked at me and asked are you a customer and I stated " well I do n't know you either '' sarcastically due to her viewing the mutual knowing of a customer she witnessed between me and the teller and she further stated let her check for the guy who has the ability to notarize documents. She went upstairs and came back down and asked me what type of document was it and I asked her why because she 's not a notary and is none of her business, and I told her it does n't make sense for her to get in my business and I still have to wait. she said well sir I will view the document and let him know because we have policies where we can not notarized verbatim on bank time any bank related documents. I told Her okay and allowed her to view and read my document waiting XXXX minutes I noticed a guy walk down stairs and XXXX minutes after that he came up and asked how may I help you, I told him I have a document to be notarized he asked what kind of document do I have because they can not notarize certain documents and the only thing they can notarize is bank related documents. I questioned that and he repeated that they are not allowed to notarize bank related documents. I told him well why did the XXXX get in my business when she knew nothing could be done and had I known this I would 've went to my credit union he apologized and stated is there anything he could do I told him no! I feel like closing my account and walked out. I called another hancock branch to understand the validity of what they stated and a guy on the XXXX XXXX branch by the name of andreu broce answered and told me that the document I had can be notarized as long as it was not a bank document in which my document is not. I hung up with him telling him I 'm on the way and I immediately called the branch on XXXX XXXX demanding answers to why I was made to feel broke and discriminated against in which the XXXX made up all kinds of apologies and now I am at the other branch with a motorized paper from the same bank just a different branch and now I feel I was discriminated against and refused a service that was due to me being a member of hancock\Whitney bank XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-08 00:00:00
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: TX

Complaint narrative:
calls more than 6 times a day sometimes automated sometimes a rep will call threatening phone calls.Advised Im I a non profit payment plan and still want me to make payments on the side.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-23 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Cheek Law Offices, LLC
State: OH

Complaint narrative:
wages are garnished as of XX/XX/2015. was not aware until that day. contacted employer and they sent me the court order. all conversations are recorded.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-25 00:00:00
Product: Mortgage — FHA mortgage
Issue: Settlement process and costs — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: OR

Complaint narrative:
RUSHMORE LOAN MANAGEMENT SERVICES LLC / XXXX XXXX, Customer Service Representative. This business continues to contact me, about an account that was transferred to them from XXXX XXXX XXXX, this account is in dispute, due to XXXX XXXX XXXX not being able to provide the SIGNED documents on the XXXX XXXX XXXX REFINANCE, that was acquired by them in XXXX of 2008. XXXX XXXX XXXX ca n't provide the information on the XXXX electronic transfer of funds, which was part of the XXXX XXXX XXXX REFINANCE. This account is in dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-17 00:00:00
Product: Debt collection — Federal student loan
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Continental Services Group, Inc. d/b/a ConServe
State: CA

Complaint narrative:
I received several call and letters from Conserve collection agency claiming that I owed {$1700.00} to the US Department of Education. 
I then wrote to Conserve collections, stating that I do not have knowledge of that debt, since I never applied for a student loan, and I requested validation and/or documents proving that I applied for a student loan. 
Conserve sent a copy of an application for a student loan, the information in the form does not match my social security number, previous addresses, etc. 
Apparently Conserve has me confused with another individual, as I never applied for a student loan. 
Conserve continue with their illegal collection activities and demand payment. On XX/XX/2017 Conserve contacted my employer ( violating my privacy ) request personal information and started activity garnishing my salary. 
I wish to file a complaint against Conserve for violating all Credit Billing Acts and the Fair Debt Collection Practices Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-12 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: GLOBAL CLIENT SOLUTIONS, LLC
State: CA

Complaint narrative:
This is the latest of about XXXX Companies wanting to collect money from a " XXXX XXXX ''. The calls have been occurring about every 4-6 months since 2011. There is no XXXX XXXX at this address/phone number. We have turned in XXXX other fake Company in the past because they started using threatening language. Please shut these guys down- they will never get money from us. They are simply annoying now.

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 2016-11-29 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Veros Credit, LLC
State: CA

Complaint narrative:
I signed for a 4 year auto loan in XXXX 2014 with an interest rate of 23.99. My monthly payments were {$360.00}, however recently for the past 6 months my payments jumped to {$390.00}. I have NEVER missed a payment or have I ever been late. I do not understand their explanation as to why my payments went up, even though I have full coverage insurance they are still charging g me their insurance fees. I 'm very confused and want my case looked at.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-26 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Thaxton Investment Corporation
State: TN

Complaint narrative:
I have been receiving up to 15 calls a day, at least three visits to my home, and numerous calls from friends and family that is being harassed by Covington Credit. Several weeks ago I had a car accident that has taken me out of work for approximately a month. I have explained to them on multiple occasions that I ca n't pay because I do n't have the income to do so. I have also asked them to stop harassing my friends and family, because I am injured and just ca n't pay at this time. The harassment has just increased and I am at my wits end. Yesterday I received a message from my boss at work and she stated that it was against company policy to receive multiple calls at work and receive mail at our work address. I told her that I was aware of that and she told me then that I had mail at work from someone and had been receiving continuous phone calls from covington credit. I need this madness to stop. It is impeding my recovery and causing great anxiety. This harassment has also put my job in jeopardy.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-08 00:00:00
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: First National Collection Bureau, Inc.
State: DE

Complaint narrative:
This debt has exceeded the Delaware statue of limitations for collecting on a debt. The original debt is, I believe at least 10 years old.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-02 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Contacted me instead of my attorney
Company: Thaxton Investment Corporation
State: SC

Complaint narrative:
After receiving a letter of representation from my attorney, the creditor continued to communicate with me instead of my attorney.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-08-25 00:00:00
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: National Recovery Services LLC
State: WA

Complaint narrative:
I was contacted by an unknown number from a man claiming to be a private process, XXXX The claiming private investigator called me multiple times in a row ) I was given a phone number to call ( XXXX ) with a reference number XXXX. I contacted National Recovery Services was transferred to a XXXX XXXX who then said I had a case number- I was never stated the Mini Miranda. XXXX XXXX threatened Legal action stating I had a litigation case in the morning for {$470.00} for an account that was 9 years old. ( payday loan 2006 ). He said that someone would be coming to my house and I had court in the morning and was being sued. I told him I am disputing this debt and wanting validation, he told me its already went to other agencies, its pass that point. He told me I could stay out of court if I paid the Pre-litigation balance. XXXX {$470.00} ) I told him the account would be out of statute, he told me know because I wrote a false check, I told him I wanted to see the validation, I did n't know what this was for. He said he was going to sue me, XXXX XXXX Hung up the call.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-04-30 00:00:00
Product: Payday loan — 
Issue: Can't contact lender — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: ME

Complaint narrative:
I filed a complaint against Ace Cash Express a week or XXXX ago for not letting me make payment arrangements on my loan and not notifying me that they no longer do business in the State of Maine for pay day loans. I started receiving collection calls from them. They will call on several different lines so you can not block them. While I appreciate someone trying to collect a bill this was just plain harassment as they do n't say anything. The last straw was a call after XXXX pm last evening XXXX/XXXX/2015 from XXXX, NH. I received an accesive amount of calls XXXX to be exact yesterday XXXX/XXXX/2015 with no message or anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-09 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Threatened to take legal action
Company: First National Collection Bureau, Inc.
State: TX

Complaint narrative:
Letter sent to me pertaining to my DEAD husband 's account. My husband died on XX/XX/XXXX ( almost 25 yrs. ago ). I believe the account was paid off, but I might be wrong. But I do believe there is a statue of limitations with debt collections. I would consider 25 yrs. within that limit. Also, it was sent to my current address that has never been associated with my dead husband at all. I am not listed on this account at all.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-02 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: First National Collection Bureau, Inc.
State: WA

Complaint narrative:
I am receiving letters from First National Collection Bureau , Inc for the current creditor " XXXX XXXX XXXX '' for XXXX XXXX XXXX XXXX for a debt I do not owe. 

The Ref # is : XXXX in the amount of {$1600.00}. I do not owe this debt and want them to stop contacting me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-14 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: KS

Complaint narrative:
Navient it reporting that I paid my loan late twice when it should have been in forbearance.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC.
State: HI

Complaint narrative:
I have been fighting with the former XXXX XXXX, now Navient, student loan servicing for over a decade. My loan ballooned from late fees tremendously during this time period and has increased my payoff time by at least 5 years. In light of this new class action lawsuit, I would move for all or part of my Navient loans to be forgiven. Can you help?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-24 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Dear Sir/Madam, I already complained about BOA about a issue to cfpt ( Case number : XXXX ). The BOA contact person named XXXX ' is in touch with us about the inquiry. She is repeating the same complaint whatever I complained about the BOA. BOA is not acknowledging the fact that there is a wrongdoing in the process of account opening. 
I went with the intention to get a promotion by opening account. If I am not eligible ( actually I am eligible which is my previous complaint ) they should have let me know so that I would n't have opened the account and end of story. Now my account was opened and I wasted lot to time to track this. 

1. I am looking for action from cfpb to stop this wrongdoing from BOA side. 
2. I am looking for compensation for wasting my time to track and expose this. 
Here is the case Id with bank of america # XXXXOur BOA Business Checking account # is XXXXXXXX XXXX ( XXXX - XXXX XXXX ) XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed