vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-04-07 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: U.S. BANCORP
State: CA

Complaint narrative:
We are a HUD approved foreclosure counseling agency and we are working with a client to try to get her loan modified. We submitted a work out package and have had issues from this company in getting this file for review, giving us one excuse after another as to why this is not moving forward. At one point I was told by one of the representative that it was not unusual that it was taking so long that it could take up to a year ( a prior complaint was sent on this company to CFPB ). We recently received a denial letter stating client did not qualify for any modification program. They listed the NPV test that failed, as the reason for their denial stating that they could not come up with a payment within the program guidelines. This was for both their standard modification and the Home affordable modification. After reviewing their denial letter and the vague explanation for denial I proceeded to perform my own calculation using the figures they had provided. I also performed another NPV test again using most of the information they provided and the result form the NPV test I performed was positive and it state the client may qualify. My concern is that this file is a rather difficult file since the client has rental income as her primary source of income and other outside the box issue that this company did not do a accurate and complete review of this file. I believe a experience and knowledgeable underwriter needed to be the one assigned to this file as they would have been better equipped to understand how to underwrite. Also looking at the way this file started and the issues we have had since the inception of this review, I question the commitment this company has had to truly assist this client. I feel that it has been demonstrated through their action that they may have used whatever excuses to deny my client instead of working to approve.

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 2016-10-19 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: IMC Capital, LLC
State: VA

Complaint narrative:
I am a business owner, and I received a very authentic looking credit card from " XXXX '' naming myself and my business. The card itself looks real, and the sheet it is attached to -- with sections like " Available Credit, '' " Activity Since Last Statement, '' " Here is your new XXXX Premium Platinum Card '' and small, again authentic-looking print promising " No activation or annual fees '' and " Enjoy 0.0 % or no payments for 90 days '' -- also looks credible. 

But when you look closer, you see some curious things like an enormous credit limit of $ XXXX and being valid only through XXXX ( just weeks after I received it ). Most insidiously, the card provides a number to " CALL NOW TO ACTIVATE. '' That number is XXXX. A website is also provided for activation : www.notablecapital.com. I did n't go there, but I do see it ranked third on XXXX after two links describing the whole operation as a scam. 

At best, this card will frighten many into thinking that their identities have been stolen. At worst, it is an attempt to defraud people.

Company response to consumer: Untimely response
Consumer complaint received 2017-02-14 00:00:00
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: ROC Asset Solutions, LLC
State: FL

Complaint narrative:
Me and my family and constantly contacted by API collection services a man called XXXX XXXX is threatening me that police officers are going arrest me. He has also told me that they are going to garnish my wages. He also said that there are court dates I have no appeared to. I called my local clerk of courts and its false. Ive done XXXX Police reports in XXXX Florida XXXX is report number XXXX and XXXX. I donot recall asking for a XXXX payday loan and i want the calls to stop API collection XXXX XXXX XXXX Extencion XXXX Also if you call them its always fast busy

Company response to consumer: Untimely response
Consumer complaint received 2017-04-07 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
The lease company Mazda capital services ( through Chase ) makes you set up automatic payments from your checking bank account to pay for lease. My lease ended on XX/XX/2017, but the automatic payments continued to be withdrawn. I noticed it in XX/XX/XXXX and called Mazda capital services. They said they can not refund my payment now, they will give it back in the next 10 weeks! I am without my money for 10 weeks, and feel they were taken fraudulently from me, as the lease ended, but the company continued withdrawing payments. If they do it, they have to pay interest on the money that they take from customers this way!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-04-02 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Chase Bank has fraudulently, illegally collected thousands of dollars in overdraft fees from my account as part of their " Overdraft Protection Service, '' despite me sending multiple letters to their corporate offices via certified mail making clear in extreme detail that I did not want the service, was extremely dissatisfied with the service, thought their marketing of the service was unethical, and that I wanted a refund. After agreeing to refund {$500.00} " as a courtesy ( despite having taken {$6000.00} in the past 24 months alone ), Chase CONTINUED to assess fees are refused to turn off the service. I again mailed them and they responded, and again refused to turn off the service, which they claim is optional. Furthermore, they have no stated that they will not even discuss the issue with me further, and they are STILL COLLECTING FEES. It 's unbelievable that the bank has such flagrant disregard for their customers. I 've told them repeatedly I do not want an " optional '' service - yet they refuse to remove it - and have collected thousands upon thousands of dollars as a result.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-03-31 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't get flexible payment options
Company: GREAT LAKES
State: WA

Complaint narrative:
I have a student loan with Great Lakes. In requested a {$0.00} dollar payment plan in XXXX as I was unemployed and working with a XXXX ( XXXX XXXX ) and unable to make my {$650.00} dollar loan payment. I sent them a request and copy of my pay stubs from XXXX XXXX. The repayment plan was never initiated ( although XXXX did ). I then changed employers three months later to another XXXX ( XXXX ) and submitted another request for a {$0.00} based payment plan. Upon their Great Lakes request I sent them a copy of my pay stubs and that requested was still pending as of XX/XX/XXXX. Again I contacted them about my pending application and Great Lakes stated they needed a copy of my Income Tax Return for XXXX which was faxed to them on XX/XX/XXXX at XXXX from the XXXX Office # XXXX. As of today I am still waiting for the payment plan to be approved. Every time I log into my account with Great Lakes it gives the status that my application is being processed. They recently put my account in forbearance but I am being charged over a thousand dollars in interest that would not have occurred if I had gotten the payment plan ( which the DOE / XXXX ) stated would be {$0.00} a month based on my income for 1 year and no interest accrued. It seems to be that Great Lakes is pulling a XXXX XXXX to get additional money from me that I ca n't afford. Can you help?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-31 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: GREAT LAKES
State: MO

Complaint narrative:
I have a federal loan that I have been paying on for years. I do not make enough to pay the recommended payment so it has been on an income sensitive payment for the last several years. Due to this situation I am only paying on interest that is accruing faster then I can make payments. I will not ever be able to purchase a house with this debt and it is a burden for me to continue to carry. I will be paying on this loan until I die. Another issue is that in order to use the degree that I earned I would have to go back to school to be re-certified in certain areas. 
Please offer any assistance that you can

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: WA

Complaint narrative:
On XX/XX/2017 I submitted a complaint to your office pertaining to a problem we had with Ocwen our loan servicer. Ocwen responded that they were not at fault. and I could either bring the loan current or apply for a loan modification. I submitted a complaint to the Attorney Generals office on XX/XX/2017 about this same problem. I received the same response. I applied for the loan modification on by XX/XX/2017. I 'm still waiting to here back from Ocwen. While awaiting a response from Ocwen I recently received a notice of default letter from the XXXX company. I 'm confused can two companies on my loan I 'm concerned that Ocwen may have sold our loan to this new loan companywhile we were waiting for a response back from XXXX the complaint process. Is this process legal? Can Ocwen proceed and we are requesting that Ocwen provide the original loan documents to your office under the public disclosure act. I urge your office do review the loan amounts and fees that have increased. I 'm requesting urgent response to this matter as do to the notice of default letter I have a short period of time before a sale of our property may occur. As a Veteran who has served this country I find this type of lending practices to be deplorable!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-27 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: GREAT LAKES
State: LA

Complaint narrative:
This company keeps contacting me and my job even though the debt is not mine. The worker stated that she will not stop contacting even though she knows I do n't owe them anything. This collection company is jeopardizing my job.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC.
State: SC

Complaint narrative:
The income based repayment program I am on, according to the Navient website has me paying {$500.00} a month. I make $ XXXX a year, with a child. When I first applied for the income based repayment plan, my payment amount was {$0.00}. There is no way I can afford to pay anywhere near $ XXXX a month. Now I am in default and have no clue what to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-04 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I have had several bank accounts with Bank of America and XXXX, I am on XXXX so things are tight for me and I get overdrafts sometimes. I get my check once a month, they would sometimes not pay something or let go through just to apply XXXX or XXXX overdraft charges, you get a overdraft charge of XXXX, a nsf fee of XXXX and an extended overdraft charge fee once a week for as long as overdrafted. The accounts become overdrafted and you ca n't pay back so they close the account, and show overdrafted your checking and your savings, they have yet to explain to me how you overdraft a savings account. The savings account is to help keep from overdrafts if you have money in it. Once the account is closed the negativity is showing in both savings and checking and when go to pay it they make you pay the savings and checking so you pay twice for the overdraft fees and whatever is paid through the checking account. The savings account should not go into negative as there is nothing taken out of it. I do n't think it is right to have to pay XXXX accounts when only the checking account has over drafts and payments coming out of it.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-14 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated an attorney or official
Company: National Arbitration Forum
State: MS

Complaint narrative:
I received a call from an " officer '' XXXX XXXX. He called with no caller ID and claimed to be working with my county and threatened to come to my home or place of employment this Wednesday to serve me. Said I would need a supervisor present and a valid state ID. Said to call XXXX immediately to prevent being served. The number left is for dispute resolution services, a collection agency. They are misrepresenting themselves as a legal agency and are using threatening tactics.

Company response to consumer: Untimely response
Consumer complaint received 2016-09-08 00:00:00
Product: Payday loan — 
Issue: Can't contact lender — 
Company: NORTHWAY BROKER LTD.
State: AZ

Complaint narrative:
Hello, in about XXXX or XXXX I had received a payday loan from 247 green street which I believe I paid off just not in a timely manner. I also received a pay day loan from Greenstreet Payday loan. I 've been going through some financial hardships in the past few years due to a horrible relationship. Although I placed greenstreet payday loan on my bankruptcy. I 'm unable to get another pay day loan. And due to recent issues that have a risen once again that would benefit me greatly. I hope you can help me with this. Thank you very much.

Company response to consumer: Untimely response
Consumer complaint received 2016-05-12 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Retail Merchants Associates
State: DE

Complaint narrative:
There was an ORAL TRADE FOR LABOR agreement between myself and XXXX XXXX XXXX back almost XXXX years ago now for an exchange of labor services for XXXX work. 

He let me do ALL of his XXXX work in exchange for no bills promised on XXXX work and sent me to collection almost ten years later. 

I 've notified the Credit Bureau of Louisiana that the debt is invalid as I never agreed nor signed to any charges what so ever with XXXX XXXX XXXX ( nor would I have ever agree to pay his prices in the first place, I was a broke college kid ). 

They sent me a copy of what looked to be a Word Document with no signature proof, no verbal proof and no authorization from me what so ever for authorization of a charge/contract. 

The credit bureaus have been removing this, and the CBOFLA keeps adding it back on after it has been disputed off, which is illegal as well as far as I 'm aware. 

CBOFLA is the Credit Bureau of Louisiana for reference.

Company response to consumer: Untimely response
Consumer complaint received 2016-03-02 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: Check Fraud Services
State: NY

Complaint narrative:
this company keeps calling saying I have a returned check from 20yrs ago and threatning court action but they will not send anything to me in the mail proving it is my debt, I have requested more than 3 times that they stop calling and mail something to me so I can see the prof ... ..they are also calling my mothers phone, my fathers phone and my house and cell phone, I havnt spoken to my father in over 17yrs and what could my mother possibly have to do with it? 
other numbers called as follows ... ... 
XXXX XXXX XXXX

Company response to consumer: Untimely response
Consumer complaint received 2017-04-07 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: Resurgent Capital Services L.P.
State: CT

Complaint narrative:
This company has refused to send me validation of this alledged debt they are reporting on my credit reports. I sent them certified mail on XX/XX/2017 with no response to date. The tracking number is XXXX. It has been over 30 days and they need to remove this immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-27 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: Midstate Collection Solutions, Inc.
State: IL

Complaint narrative:
From the very first contact of this company to the last contact of this company they have violated many laws. The very first time they contacted me and I told theme to stop calling. They continued to call my cell phone while I am at work and say if I do n't put it in writing they calls would continue. Second they use an autodialer which my phone number is on the do not call list which violates their laws of use of an autodialer. Third I payed off the debt and requested a payed in full receipt and they said they do n't send me one. Just a payment conformation. Fourth they are charging fees on top of the original debt which is not in the agreement of the original debt. 3 % fee attached to payment.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-12-28 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: Recovery Solutions Group, LLC
State: TX

Complaint narrative:
A debt recovery company has been harassing my girlfriend, XXXX, for over two years. They harass her and have also called her friends and family, including me today. They say this is over XXXX account. She has never had XXXX account and she has contacted XXXX who says they have no record of her. She has checked her credit report which also shows nothing related to XXXX. The phone number calling her is ( XXXX ) XXXX. They have threatened to send the sheriff to her home. 

Today I got a call from ( XXXX ) XXXX. File XXXX. I told them to stop calling and she has never had a XXXX Account. He said they are going to sue. He said his company is " Recovery Solutions Group ''. This needs to stop NOW.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-16 00:00:00
Product: Debt collection — Medical
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: Richard Sokoloff, Attorney At Law
State: NY

Complaint narrative:
The office of Richard Sokloff sued me without the proper notification. I have n't lived at my old address since 2013. I have my new lease from my new place to prove this. Before they sued me a rep there threatens me that they were going to get a judgment although I was n't at judgment stage. ... They now have a judgment illegally.

Company response to consumer: Untimely response
Consumer complaint received 2015-12-12 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: FIRST MORTGAGE CORPORATION
State: NV

Complaint narrative:
First Mortgage Corp submitted late payment to credit bureaus when I was advised ( by rep XXXX on XXXX/XXXX/15 ) no negative credit reporting would be submitted during transfer of my mortgage loan due to contradicting transaction with my first mortgage payment.

Company response to consumer: Untimely response
Consumer complaint received 2016-05-14 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Retail Merchants Associates
State: LA

Complaint narrative:
I have a collection account on XXXX Credit Report from Credit Bureau of Louisiana for ( XXXX XXXX ). At the time of service I was in the custody of the United States Marshall 's Service being housed at XXXX XXXX XXXX XXXX. The XXXX or XXXX Parish Sheriffs office is responsible for this charge. This is what I want to dispute I was in custody from XX/XX/XXXX until XX/XX/XXXX

Company response to consumer: Untimely response
Consumer complaint received 2017-04-05 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Diversified Consultants, Inc.
State: IL

Complaint narrative:
I sent a written verification/validation request after receiving a collection letter from Diversified Consultant in regards to a XXXX XXXX account. In my request I asked for documentation that shows a signed contract between XXXX and myself and also documentation showing any physical identification that was used to obtain the account. Diversified Consultant responded back and only included a billing statement showing the amount supposedly owed to XXXX XXXX. I have no knowledge of an account with XXXX XXXX and have not been shown any physical proof that the account belongs to me other than a billing statement that was sent to me by Diversified Consultant. Currently XXXX XXXX is reporting a delinquent account to my XXXX credit bureaus but can not and has not provide me with verification as required by law. This negative reporting needs to be deleted off all XXXX reporting agencies unless XXXX XXXX or its collection agency Diversified Consultant can provide me with physical proof in the form of a signed contract with my signature and identifying photo ID and social security card that was used to obtain this account

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-08 00:00:00
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: J & K Financial Services, LLC
State: MN

Complaint narrative:
We received an offer to buy our house. The buyers submitted preapproval for the amount of the sale. XXXX closing dates were missed. XXXX XXXX of Dawson mortgage during this time kept giving excuses to our realtor as to why the closing was not going to happen. When we were informed the sale would not close on the third closing date, we talked to the buyers and found out they were unable to qualify for the loan. XXXX XXXX did not contact our realtor or us with the information the buyers were unable to get the money. 
Based on the letter from XXXX XXXX and a telephone conversation with him, we disposed of our home business and moved out of our house. 
XXXX XXXX 's incorrect and misleading information cost us approximately {$25000.00} in lost income and rental expeses. 
XXXX XXXX contact information Dawson Home Mortgage XXXX XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX XXXX My husband believe XXXX XXXX is either dishonest or incompetent and has defrauded us.

Company response to consumer: Untimely response