vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-02-04 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
My husband and I have multiple bank accounts with Capital One. Joint checking, business checking, savings, and savings accounts for my children, and a checking account for my mother in law that we also control ( 6 or 7 accounts in total ). We have had these accounts for many years - originally with XXXX, and then Capital One when they bought XXXX. On XX/XX/2017 we received 4 letters in the mail ( one each for XXXX of the accounts ) dated XX/XX/2017, saying the following : " Your account ending in XXXX will be closed on XX/XX/2017. As provided in the rules governing deposit accounts that you received at account opening, Capital One Bank may close any account in our sole discretion at any time and for any reason. We 'll send you a cashier 's check for the balance. Please stop writing checks and cancel any automatic deposits or payments for this account right away. If you have any questions, please call us at XXXX or stop by the branch. Thanks, Capital One Bank '' This is the first notification we have received of this. We have a lot of money in the bank. We have never once overdrawn. I have a huge amount of time invested in setting up bill payment, direct deposit, online access, etc. This is a HUGE inconvenience, and while it may be allowed, I ca n't in my wildest dreams imagine a business reason for doing it. 

We called the number on the letter immediately. That was Thursday evening XX/XX/XXXX. My husband went through 3 layers of people. Nobody could help. He was told that he had to speak to a case manager, and that person would call on Friday ( they never did ). He tried calling and once again got nowhere. He went to the branch ( as mentioned in the letter ). They could do nothing for us. They said they have no access to the system that could explain this. Now it 's the weekend. We will be out of town for much of this coming week at a conference for business, so we have almost no time to deal with this. By the time we return it will be XX/XX/2017 and the accounts will automatically close 2 days later. We ca n't wait any time at all to be opening new accounts and have a way to pay bills. I ca n't fathom a reason for this. The only possible explanation we were able to get from the 3rd person on the phone on Thursday night was that they had discontinued offering the types of accounts that we have. Okay. So, why not send a letter saying that, and give us 30, 60, or 90 days to transfer to a different type of account?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-09 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: Blakely-Witt and Associates, Inc.
State: TX

Complaint narrative:
In XXXX 2009, I signed a XXXX lease with XXXX for my cousin. When the XXXX month term was up, I extended the lease for XXXX additional months, and she moved out when the lease was up. When I learned about the collection, I quickly contacted XXXX who verified that I did not owe them a XXXX. I 've attempted to contact BLAKELY-WITT in writing but I have not received correspondence form them.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-13 00:00:00
Product: Debt collection — Medical
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Quality Asset Recovery LLC
State: NJ

Complaint narrative:
i was checking my XXXX credit report and i found a collecton account on my credit report with amount : XXXX I didnt use this service and i didnt authorize it to be done under my social security number i contacted the original : the representive of the original creditor told me there is no unpaid bills or any bills under my name or my social security number has been transfered to the collection agency I Dispued i from my XXXX credit report and due to the invistgations it has been deleted from my transunion credit report but the Quality Asset Recovery reinserted it on my XXXX and XXXX credit report without sending me any notification - This is a violation to the Fedral Fair Credit Report ACT Section 6o9 FCRA Section 6o9 XXXX The original creditor should ask me to pay this bills before it get transfered to the collection agency XXXX This collection account has many incorrect informations as 1 - my first name 2- my last name 3- my mailing address XXXX iam already having XXXX how come to receive medical bill while iam having medical insurance XXXX I made a recorded phone call with the agent of the original creditor to as about this bills he told me there is no unpaid bills under my name XXXX here is a copy of my XXXX and recoded phone call with representive of the original creditor

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed
Consumer complaint received 2016-12-27 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Used obscene/profane/abusive language
Company: National Credit Systems,Inc.
State: AZ

Complaint narrative:
I am submitting this complaint due to the nature in which National Credit Systems has attempted to collect on a disputed debt. This companies representatives have acted in an unprofessional manner in the tactics they have attempted to extort money from consumers. Upon getting a phone call from this company in regards to a debt they allege was owed, I requested documentation to determine validity of the allegations. I than received a packet of paperwork which appears to have electronic or non handwritten signatures. Upon review of these documents there is now an even further confusion as to why this company is attempting to extort this money. After reviewing these electronically created and signed documents I received another call from this companies representatives who verified I had gotten and had a chance to look over these documents. After I advised her that I had some serious concerns for what I received and did not agree with the balance or what they were alleging. At this point the representative appears to take this information as an opportunity to disrespect me and act completely unprofessionally by stating, " Well than we will just put it on your credit! '' and proceeds to hang up without me being given an opportunity to say anything additional. As someone who has XXXX I understand the pressure and desire to want to do well at XXXX. However, having XXXX in the past it seems counterproductive to just threaten to place something on someone 's credit and than hang up without any actual dialogue or discussion. Obviously this representative needs further coaching and development on how to handle the collection process also how to successfully conversate in a professional manner when conducting business for a company. Not allowing her personal feelings or opinions to get involved and taint the conversation. Im disgusted that the level of unprofessionalism and rude behavior is allowed and obviously condoned by National Credit Systems. This company should be investigated and audited for its unacceptable and atrocious treatment of consumers. Sincertainly the original rep hung up in my face is than called back and requested a manager at which time the receptionist refused to transfer. I advised that since this was the manner in which they conducted themselves in business that they cease and desist from any phone communication with me until I had an opportunity to file a complaint based on there actions. No company per the FDCPA can act in a threatening or unprofessional manner for the purpose of trying to collect a debt and unfortunately this company feels it does not need to abide by those same laws. Please investigate them for the manner in which they have attempted to conduct business.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-06 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
on XXXX XXXX, XXXX Trans union deleted XXXX off my credit profile on XXXX XXXX, XXXX Trans union deleted XXXX off my credit profile on XXXX XXXX, XXXX Trans union deleted XXXX off my credit profile Getting my annual credit report i noticed these items was placed back on my credit report without my knowledge or nothing was sent to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Navient Solutions, LLC.
State: NH

Complaint narrative:
I graduated from school with around {$35000.00} in debt. Being a woman, I was never able to make enough to even make a dent in the debt. Men always made twice or more than me. For ten years, I was only able to make the minimum payments and that was only after years of economic deferment which grew the debt. Then I had children and have been unemployed for a long time. Navient took over my debt which has now grown to {$80000.00}. They have nearly doubled it and even added an extra $ XXXX because of my lateness. I am now XXXX, in my XXXX, and so broke I have nothing, own nothing, struggle every day. I have told them I ca n't make payments and likely never will be able to. I ca n't even live comfortably and often go without food. It has been over 20 years since I graduated from college. Navient refuses to help and even when I gave them all of the information they needed, they still refuse to help. This loan needs to be discharged. It has been 20 years. They just harass me and keep my credit destroyed. Even if I made minimum payments, I would n't be able to repay this loan until I am in my XXXX. It is horrendous. It is a crime. And the education I received did absolutely nothing to help me financially - the biggest factor being because I am a woman. We will never be paid fairly. I wish I had known beforehand that I would never be able to pay these loans back. But I was told it would be fine, I would make money, I would easily pay these loans back. I was told it would be easy. I was XXXX when I signed up for the loans, not knowing anything about money or finance. I was lied to and misled.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-24 00:00:00
Product: Bank account or service — (CD) Certificate of deposit
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I have a XXXX year CD from XXXX Bank that matured on XX/XX/XXXX. It was supposed to have renewed at the same rate as before. My Personal Banker had called to confirm that since Bank of America did not offer a XXXX year CD, they would be bound to honor the original XXXX year rate renewal terms. 
However, upon the actual renewal, they claimed that the could no longer find the terms told to us anymore and that they had elected to use the XXXX year term at 0.15 % instead. 
I found and sent my original CD terms document and sent it in via my Personal Banker who has really been my Advocate, since the Bank of America Representaive that informed her about my renewal terms and rate was so specific, even citing Special Terms that including a Final XXXX year Renewal that would terminate my CD in XX/XX/XXXX, without exception. Upon inquiry now, again BOA is denying its existance. 
I will attach my supporting documents as you have instructed me. 
Thank you very much for your assistance in this matter.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-06 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Colony Brands, Inc.
State: IL

Complaint narrative:
Dear sir/madam, as I was going through my credit report on XXXX and XXXX few months ago, then I noticed a negative report on my credit. The negative report was from a Company called SWISS COLONY ASHRO and Another company called XXXX XXXX XXXX. Any time I dispute the accounts, they kept sending me a letter at my home address saying they investigated the dispute and notice it was mine. First I have never had any account with SWISS COLONY ASHRO and XXXX XXXX, Second, They have to explain which address I was living when I acquired this dept. .I do n't know how they got my social security and my date of birth because I know I have never had any account with SWISS COLONY ASHRO or any of it affiliates. 
I am requesting that SWISS COLONY ASHRO and XXXX XXXX or any of their affiliates should remove such negative and false statement from my credit report THIS COMPANIES ARE AFRAUDULENT COMPANIES, first they came up with the name XXXX XXXX account number XXXX on my credit report. after so many dispute I submitted against the account, I was forced to pay dept in the sum of {$45.00}. The dept I did not own, the dept that does not have my name on it. 
After that they came up with another name SWISS COLONY ASHRO with same account number XXXX stating that I was owing them. This is fraud I do n't own this companies any money and I never had any transaction with them I do n't even know the kind of business they do. They have to pay me back the XXXX dollars they fraudulently took from me. 

Dear sir/madamI want your office to go through my credit report to verify my statement. my credit report has so many names I do n't know where they came from. I contacted XXXX AND XXXX REGARDING THIS MATTER, all they said was that they can not remove those name because some companies like XXXX and SWISS COLONY ASHRO reported some account to my credit report with the names. 
I want your office to investigate this matter because any time I dispute these XXXX companies that has XXXX account number XXXX and XXXX kept saying the investigation stated that the account was mine. 

THIS IS FALSE INVESTIGATIONin the year 2013 when I wanted to open online account with XXXX, the man who spoke to me from XXXX told me that someone already opened the online accountwith my social security which I have no knowledge of who that was. Then the XXXX representative later cleared it off and created a new account for me. I want your office to investigate all these because I have filed so many compliant regarding the information on my credit report and most of the company claim they investigated the case which I knew all their so called investigations was not done right.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-16 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC
State: NV

Complaint narrative:
I had a loan with XXXX and experienced hardship and requested a loan modification. The State of Nevada Modification Program held a hearing where XXXX stated that they did n't have the title to my property. I was halted due to the fact that they were unable to find the title for several years. 
After they claimed that they found the title it had been transferred to XXXX. I have been attempting to get my home loan modified since and their servicing agency which has been changed several times now continues to break laws governing modification and foreclosures. 
They are now stating that they have closed my file because there is a credit lock on my credit reports. 
I have confirmed with all XXXX credit bureaus that this is not the case. Although the credit bureaus wo n't give me anything in writing stating such. 
I have provided my mortgage company provider which is not DiTech a copy of my credit report from all XXXX bureaus and they refuse to accept the reports and have closed my modification file. I am now facing foreclosure.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-11 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC
State: NV

Complaint narrative:
In 2007 I had a terrible XXXX accident were I almost lost my life, I ended XXXX for about 8 months. As soon as I could write to XXXX, I did explaining my family hardship without my income and all my medical problems at the time. 
Less than a year later, XXXX did not ever responded to me for the hardship and I need it to short sale the second home that I was living in. They also never responded! On this one instead, they foreclosed my home for less than the short- sale offer! Luckily me, I found out inmediately and I send my buyer to the court house with a personal investor friend to retain the house. The customer of mine bought it! 
XXXX listed the sale on my credit report as foreclosed. They really ruined my life, my credit and I ended loosing my business, everything! 
When that home was sold, I moved back to my first home! which unfortunately was also under XXXX loans. Meanwhile XXXX has never responded to me on either one of the properties. Thanks to some leans on this last property of mine, today it has being 9 years with issues with the loans that I 've tried to resolve but no luck. I have asked for help several times, even lawyers, and no one can help. 
A legal advocacy company advised me to contact you with my terrible story and to complain about the neglect from my original mortgagor XXXX, who later turn to XXXX, then XXXX XXXX, the XXXX XXXX XXXX, then Green Tree and now days Green Tree. 
I would really like someone to help me resolve this terrible 9 years nightmare. I dont submit any documents with this initiation of complain because I 'm not sure with docs to submit of all the boxes that I have collected in all of these years, but I promised that I have enough. 
Please contact me on my cell phone at ( XXXX ) XXXX or my private email : XXXXXXXXXXXX Thank you!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-23 00:00:00
Product: Prepaid card — General purpose card
Issue: Fraud or scam — 
Company: Empowerment Ventures, LLC
State: NV

Complaint narrative:
i get an automatic deposit from job XXXX, this money was deposited to the rushcard. These funds are being held by rushcard. THEY BASICALLY HAVE TAKEN MY PAYCHECK!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-05-12 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC
State: CA

Complaint narrative:
I was sold a predatory pay Option Arm Loan that I did not fully understand. I made my payment and the principal balance kept getting larger. Then the loan adjusted I could no longer afford the payment. I called my bank and all they said was to short sale or to do a deed in lieu of foreclosure. 
When I submitted a loan mod request I was given the run around then several months later only to be denied. 
I sought out legal counsel, only then to be told that I was given a trial payment plan with on other detail out than a payment amount and told we can not tell anything until all the trail payment are made, only then we will tell you what the final terms are. 
When I received the final terms I called XXXX and was told that this is what the Investor in willing to do. 
This is a continuation of their predatory lending behavior. Constructioning a modification over a XXXX year PERIOD still leaves a balloon payment of {$230000.00} after receiving $ ,XXXXWorkout OptionForgivenPrincipalForboNewTermNewPROPERTY 'S CURRENT MARKET VALUE : The Supplied Current Market Value Estimate for the subject property, provided by the Home Owner, Real Estate Agent, Appraiser or Financial Institution is {$420000.00}. Based only on this valuation and the supplied Current Unpaid PrincipalBalance of {$680000.00} the amount of equity estimated to be in the home is ( {$260000.00} ). ( This is not taking into account anyother subordinate financing. ) This qualify for a HAMP TIER 2 PAR

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-25 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: First National Collection Bureau, Inc.
State: AL

Complaint narrative:
I received a letter from First National collection bureau regarding XXXX funding. I have documentation from XXXX who told me they are not going to attempt to collect on this because its over 10 years old and they are barred from trying to collect on it. But XXXX broke their promise and still are trying to collect on a 10 year old debt. A debt is suppose to stay on your credit for 7 years and fall of, but they keep trying to collect on it.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-21 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: NY

Complaint narrative:
i am behind on my mortgage and was dealing with XXXX. Filled out the loan mod package and XXXX said I was denied. asked for an appeal ... then XXXX said I was approved without filling out another packet but my loan was being transferred to rushmore. My original loan was for 15 years from 2002. Rushmore is giving me the option to pay 40 dollars less for 20 more years. Am I wrong is thinking this is not right? I had already paid 13 years on a 15 year loan and rushmore wants me to agree with a n3ew 20 year mortgage???? it does n't make sense to me

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-16 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have disputed since XXXX and equifax and companies are bouncing me around. My information was used to fraudently apply for an XXXX XXXX XXXX account and also a XXXX account. There are XXXX inquiries on my credit report and Equifax, XXXX XXXX XXXX and XXXX has refused to remove these HARD inquiries which are affecting my credit score. I faxed documentation to support the incorrect information, but neither companies are complying and I am exhausted with dealing with them and hope to get assistance to remove this fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-06 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Navient Solutions, LLC.
State: IL

Complaint narrative:
I submitted a co-signer release to Navient which was not approved. I have XXXX credit score, I work for a XXXX and have for the past two years, I am currently getting my XXXX, my co-signer has a XXXX credit score and has filed bankruptcy in the past and I feel is a liability to being on my loan. She was married with XXXX incomes when she co-signed, she is now divorced and can barely make ends meat herself.

Company response to consumer: Closed with explanation