vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-04-04 00:00:00
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: POPULAR BANK
State: CA

Complaint narrative:
I got a flyer form Popular Community Bank of XXXX, XXXX XXXX saying if I open a savings account and deposit {$1000.00} I will get {$100.00} bunus if I keep the account open for XXXX month. ( I have the flyer ) I opened an account with Popular Community Bank ( XXXX XXXX ) located at XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX on XXXX XXXX, 2014 as required in the flyer. I deposited a total of {$1100.00} in form of XXXX deposits XXXX for {$1000.00} and another for {$100.00} at the same time. I have the deposit receipts. After XXXX months they failed to credit my account for {$100.00} bonus. I visited the branch of XXXX since they have taken over all branches from Popular, they refused to honor the bonus. I called Popular and they said to contact XXXX. I am being stonewalled by both the banks. I am filing this complaint to see if they have done the same thing to other people. I am more interested in seeing that this kind of unethical behavior is exposed and corrected. XXXXEmail : XXXXXXXXXXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-05-19 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Pending Company Match
State: MD

Complaint narrative:
I have disputed the issue with the company. However, I have not received any correspondence. Unfortunately, I was the victim of identity theft. I have done everything required of me by law to dispute the fraudulent items on my credit report. I sent a letter to " Prestige '' XXXX via USPS certified mail. The company refuses to honor my rights under the FDCPA & the FCRA as a victim of identity theft to remove the fraudulent inquiry that was submitted without my knowledge, consent and/or authorization. 

Please find attached the notice that was sent out along with the attached certified receipt. Information can be tracked online using referenced information. Thank you for you time and attention regarding the matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-09 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Rushmore Service Center, LLC
State: MA

Complaint narrative:
On XXXX/XXXX/16 I placed a call to the Agency In an attempt to request validation & verification on said Debt that they allege I owe. I requested the Agent to provide to me their Business License in the state of Massachusetts and I was instructed to 'contact ' the 'District Attorney '. 

The Agent placed me on an extended hold in an attempt to get me to hang up.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-07 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Freedom Mortgage Company
State: OK

Complaint narrative:
My husband is a XXXX veteran XXXX. We bought a home in Oklahoma In XXXX XXXX, At the time of closing we took our documents showing that we are tax exempt in the state of OKlahoma from property, Sales Tax, Excise, Etc : we had a letter from the VA stating the fact that we have been tax exempt since XXXX, The Title company said we had to wait to close then take the information XXXX which we live and get a form filed and is on file XXXX. We sent this information to the Mortgage Company that had the Mortgage at closing they refused to accept the documents saying that they did not have time the proper time to get the documents into there system. They sold the mortgage in XXXX XXXX to freedom Mtg. I sent the first payment minus the taxes. They refused to accept the tax forms that we legally have. They cashed the check but would not apply the amount to the account. Then I sent our payments every month on time they still will not accept the tax exempt status and have threated to forclose on our home. They finally applied XXXX payment resolved the tax issue for the month of XXXX lowered the payment for XXXX XXXX but still have not applied the payment to our account even though we paid more than what the payment was suppose to be. They said we have to make the XXXX Tax payment or they are going to take our home. Freedom Mortgage has all the paper work and document show we have been tax exempt in the state of Oklahoma since XXXX, They have reported that we have not made our payments on time to the credit bureaus. They sent us a letter saying that they removed this information but they keep adding it back to the credit report each month. I have tried talking to these representatives every month. everyday they have called to tell us we have not made our payments when we know the check has cleared the bank. They refuse to do anything about the issue. They said that we are in the wrong. Freedom Mortgage is causing a lot of stress in our life. They have three months of pre paid taxes and the taxes for the month of XXXX that we paid to the first Mortgage company. They want XXXX taxes or they are going to sieze our home. we keep getting late fees, inspection fees, and any other fees they deem they want to add. Please do something to stop this madness. IF we have to hire an attorney then tell us that is what we need to do.

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 2015-04-23 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Financial Business and Consumer Solutions.
State: OH

Complaint narrative:
I was contacted by phone in XXXX or XXXX by FBCS , Inc for XXXX medical debts. I asked for debt verification, and the rep danced around the issue, and suggested that we make payment arrangements on this debt that they stated was from 2009. I honestly do n't remember if this debt is valid or not, but the rep said they would send me debt verification, which ended up being a generic looking document on their letterhead, which also looked generic, with XXXX or XXXX sentences stating that I owed the debt. Before I received that, I do n't recall getting anything at all from them. The debts totaled less than {$150.00}, so in good faith, I made a payment arrangement, but told them that I wanted true debt verification information, which I never received, even after I had made a couple of good faith payments. 

My suspicion about these debts, as well as the agency, kept growing, and I became more and more uncomfortable with them. They would even call a week or XXXX prior to my arranged due dates with them to make sure I was going to make the payments. Every time they would call, I would tell them that I never received the debt verification that I had repeatedly asked for. During the last call I received, I told the rep that I was going to file a complaint against their company with the CFPB, and she told me to do what I had to do. The final straw for me was that they put this debt on my credit report, which seems almost like a bully tactic to get me to finish paying off this possibly fraudulent debt. I do n't know what to do about this, but I am livid. Will you, or can you, please help me?

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-17 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: FIFTH THIRD FINANCIAL CORPORATION
State: AZ

Complaint narrative:
Fifth third bank has been calling my company paid for and provided cell phone for over a month using a computer. I have stayed on the line multiple times to let them know that they have the wrong number. Now they are calling with alive person. I think they are trying to collect from a XXXX XXXX. I told them I 'm not this person and that they have the wrong number. Their collectors will not identify themselves and will not tell me where they are calling from. This is a fdcpa violation. 

They keep calling even after I have told them wrong number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-10 00:00:00
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: Professional Service Bureau
State: FL

Complaint narrative:
XX/XX/XXXX my {$550.00} bill from the XXXX XXXX for services XX/XX/XXXX was sent to PSB XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX. I was unable to get an itemized bill from XXXX or the collection agency regarding what I was seen as owing. My numerous calls to XXXX and PSB as well as facsimile data was ignored. XXXX says XXXX paid {$530.00} while PSB notes XXXX paid XXXX as sent to them by XXXX. Neither XXXX nor XXXX will talk to me to reconcile this big difference.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-30 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: Financial Business and Consumer Solutions.
State: OK

Complaint narrative:
I understand that I owe money to university of XXXX. But unfortunately the past fees years have been very difficult for myself. I barely at times have enough money to pay bill 's let alone try to pay off debts. I have filed before on this matter of being threatened of being arrested to harassing phone calls to my XXXX year old father. They call five times or more. Never answwer when picked up or hang up when I answer. Now I 'm in a position that I have no work or income coming in. Yes I want this matter resolved but trying to find a job where I live is hard and being sick makes it worse. I have filed bankruptcy once and feel I my not have a choice now But to do it again. They refuse to send me any kind of document regarding this matter and have asked them to stop calling due to the fact I do not have a phone and the number that are calling is a friends phone. He is constantly having to stop at work and answer the calls. He has told them to stop and they refuse to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-30 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: NC

Complaint narrative:
this is on case Case number : XXXX disputed and sent several documents justifying my case and I should be refunded my deposits due to 5th 3rd bank lack of ability in underwriting a file. 
Thank youXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-08 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Financial Business and Consumer Solutions.
State: GA

Complaint narrative:
I HAVE RECEIVED MULTIPLE PHONE CALLS TO MY CELL FROM # XXXX WITH NO VOICE MAIL BEING LEFT BY THE CALLER. FROM MY SIMPLE ONLINE SEARCH I HAVE FOUND THE COMPANY FBCS ( Federal Bond & Collection Service ) TO BE THE LEADING CULPRIT. I CALLED THE NUMBER BACK AND HEARD A PRERECORDED MESSAGE ABOUT AN ATTEMPT TO COLLECT A DEBT, HOWEVER, MY MOST CURRENT CREDIT REPORT SHOWS NO DELINQUENT ACCOUNTS. THE MESSAGE OFFERS TO ACCEPT AN OVER THE PHONE ACCOUNT PAYMENT OR YOU CAN SPEAK TO A REPRESENTATIVE. I KNOW THAT YOU SHOULD NOT RESPOND TO SO CALLED ROBOCALLERS AS IT MAY MAKE MATTERS WORSE. PLEASE INVESTIGATE THIS HABITUAL HARASSING BEHAVIOR

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-22 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Freedom Mortgage Company
State: CA

Complaint narrative:
Made a payment and they say they do n't have it. I had my bank send them proof, but they charged me a late fee and still say they do n't have it. My loan was sold to this company in XX/XX/XXXX and we have had problems ever since. I have made numerous calls and never get anywhere. I mailed my XX/XX/XXXX payment and called the day before it was due just to make sure they had my payment. They said no, so I did a stop payment on my check and did a check by phone with them for a XXXX fee. The next day, they tried to cash my check. I am sure they had it all along. For my XX/XX/XXXX payment I did an EFT payment through my bank because I was afraid to mail it after the XX/XX/XXXX mess. Now they say they do not accept EFT payments, but the XXXX XXXX servicing center took my money and still has it. What am I supposed to do?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH

Complaint narrative:
I fell behind on my mortgage payment, I received a letter from Fifth Third bank stating I had until XXXX XXXX, XXXX to pay {$4300.00}. I was approved to take the funds from my XXXX and the paperwork was finalized on XXXX/XXXX/XXXX. Due to the holiday the funds were released to my account on XXXX/XXXX/XXXX. I called the bank to pay the balance owed and found out my loan was sent to the attorney for foreclosure on XXXX/XXXX/XXXX. The day before my loan was to be paid. I called the bank when I was approved from my XXXX company to report the money would be released to me XXXXXXXX business days- they then sent my loan for foreclosure.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Caneel Capital, LLC
State: TN

Complaint narrative:
My client received a good by letter from a Trinity Financial Service. His loan is originally with XXXX. When we contacted XXXX they confirmed the loan had not been sold the loan and the letter received seems to be a scam. Please see attached the good by letter from Trinity financial Service.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-27 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: Financial Business and Consumer Solutions.
State: FL

Complaint narrative:
On XXXX XXXX, 2014 I called XXXX XXXX to have my service disconnected. I also received instructions on how and where to return their equipment. Over the next couple of months I continued to receive bills for service and their equipment. I called XXXX a couple of times to rectify the situation, but received basically no assistance from the reps to correct the problem. After a while I stopped receiving bills from XXXX and I assumed the matter was resolved. 

This month I received a letter from FBCS Inc., which I have learned is a third party collection agency. I have responded to this company disputing the validity of this debt. 

Also l have learned that this appears on my XXXX credit report as an open account and owing XXXX XXXX {$410.00}. The so called open debt is affecting my credit score. 

I am at a loss to understand how XXXX XXXX can arbitrarily attempt to ruin one 's credit rating because one of their customers decides that they no longer want to use their services

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-02 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH

Complaint narrative:
I was involved in a divorce in 2009 and had to file bankruptcy. Fifth third bank was to foreclose on a home which I could no longer afford. The property still sits as a zombie property, with the bank neither foreclosing or releasing the home. As a result, vandalism continues to occur and I continue to receive costs associated with the home, since 2009! I have repeatedly called the bank to gain clarity and find their plan but they refuse to speak with me. They tell me that they can not discuss the matter. I would like to get this off my plate, by eiher the bank foreclosing on the home or releasing so I can sell it. In the meantime, the house sits as a vacant property, bringing other home values down and has become a nuisance. Somehow, this seems like an illegal practice, but it is not. Just extremely poor business practice from this bank who contributes to community blight. How can I get the bank to dscuss or take action to either foreclose or release the house?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-12 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Diversified Adjustment Service, Inc.
State: TX

Complaint narrative:
The company, diversified adjustment has reported to the credit agency XXXX in the amount of XXXX this is a violation of the FCRA. this company has never notified me of any debt, I still have no idea who they are and why they are on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-20 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Alliance One, Inc.
State: CA

Complaint narrative:
Alliance One ( XXXX caller ID ) repeatedly calls at all hours claiming that I have an alleged debt. The caller refuses to answer questions concerning this alleged debt ie : who this debt owed too, how much is it, when was it incurred, etc. The caller becomes verbally abusive and does not allow me to reply or ask for a verification of the debt. Usually after XXXX minutes the caller will angrily hang up.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-31 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I have a lot of Hard inquieres, on my credit report the only thing I can think of my computer was stolen early this year. I had all my information in it, also it saved all my passwords and would put in all my info on any app that a person went to how can you help if you could. I have tried to send letters to the credit companys and the bureaus with no response when I did get a response it said no action taken. thank you in advance

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-19 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

Complaint narrative:
On my Transunion credit report inquires are reporting as duplicate. 
On XXXX/XXXX/2016 XXXX XXXX XXXX is reporting twice as an inquiry when I only applied once. 
On XXXX/XXXX/2016 XXXX XXXX XXXX XXXX XXXX is reporting twice as an inquiry when I only applied once.

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 2016-08-13 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: Experian Information Solutions Inc.
State: OR

Complaint narrative:
Pleases Find Out Who Is My Address XXXX XXXX XXXX XXXX XXXX Or. XXXX I Moved Here Over 21 Year 's And Never Moved This Is A Home .Please Correct Thank You. XXXX 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 2015-11-06 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: American Credit Adjusters
State: HI

Complaint narrative:
I received a call from ACA on Monday XX/XX/XXXX XXXX, it 's a recorded message telling you this is in regards to a sensitive matter, please press XXXX. 
I pressed XXXX and got someone on the phone when I advised them that I was pressing the number XXXX he put me on hold and came back and advised they must have missed dialed and hung up. 
Then : I received a call from XXXX ACA on Friday XX/XX/XXXX XXXX. 
He proceeded to tell me that he was representing his customer and that he has legal rights to advise me that I owe a debt XXXX for {$850.00}. He claims I opened this account XX/XX/XXXX 
I did not open this account and told him so but he kept on talking, so I asked him to send me any documents via mail and he refused.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: U.S. BANCORP
State: DE

Complaint narrative:
My housing counselor submitted a file on XX/XX/XXXX USBANK we have not heard from the USBANK and its XXXX We received the acknowledgement they recieved the file. We have not heard from them in months. We finally contacted the lender and they staed they sent correspondence out in XXXX that they needed updated documents because some docs had aged. They did not statrt reviewing the file until XXXX which is unacceptable!!! They are not following compliance when a workout package is submitted.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-16 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Other transaction issues — 
Company: BMO BANK NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I was transferring money from my home bank to a new account to fund a new investment account. The investment account was held by XXXX XXXX # XXXX at BMO Harris Bank. My initial wire request confused XXXX fields ( the " Account '' and " For further benefit to '' ), and the wire was returned, whereupon BMO Harris Bank charged an exorbitant {$30.00} fee for the returned wire, which was taken automatically from my transferred amount.

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