vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-05-24 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Credit Card Receivables Fund Incorporated
State: NH

Complaint narrative:
Unifund CCR , LLC has filed a lawsuit against me for an alleged debt they claim to have purchased from Pilot Receivables Management , LLC, which they claim it has been originated from XXXX XXXX. 

The documents they have provided do not show how the alleged amount was calculated or proof of ownership or transfer from XXXX XXXX to Pilot Receivables Management , LLC or from Pilot Receivables Management , LLC to Unifund CCR , LLC. 

They have provided XXXX bills of sale ; XXXX between XXXX XXXX and Pilot Receivables Management , LLC, which states that accounts in " Exhibit XXXX '' were sold/transferred to Pilot Receivables Management , LLC, however there is no accounts listed in Exhibit XXXX as the entire document has been redacted. XXXX bill of sale is between Pilot Receivables Management , LLC and Unifund CCR , LLC, which states that all accounts in " Attachment A '' were sold/transferred to Unifund CCR , LLC however there is no Attachment A provided. 

They have also included XXXX statements, seven months apart, from XXXX XXXX, however nothing shows how the alleged amounts were calculated. 

Moreover, Unifund CCR , LLC sent me a collections letter on XXXX XXXX, 2016 attempting to collect this alleged debt, but the bill of sale mentioned above between Unifund CCR , LLC and Pilot Receivables Management , LLC was generated XXXX XXXX, 2016. 

Furthermore, on XXXX XXXX, 2016 I sent a debt validation letter to Unifund CCR , LLC and on XXXX XXXX, 2016 I received a letter from the law firm XXXX , XXXX XXXX XXXX, attorney to Unifund CCR , LLC, stating that the debt was owed to XXXX XXXX and they were asked to collect. On XXXX XXXX, 2016 the law firm sent me the documents mentioned above per my debt validation, including a letter stating that the Plaintiff was XXXX XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-08-15 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: Performant Financial Corporation
State: NY

Complaint narrative:
Debt collector failed to 1 ) properly serve me with a summons and receive a default judgment against me. 
2 ) answer a request for a hearing 3 ) validate alleged debt 4 ) has garnished my wages with less than12months at my job.

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 2015-05-14 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Credit Systems International, Inc.
State: FL

Complaint narrative:
Credit Systems International has entered a debt into the credit reports without first contacting me and giving me a chance to look over the debt and verify it.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-05 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Credit decision / Underwriting — 
Company: Fay Servicing, LLC
State: IL

Complaint narrative:
I am submitting a complaint with Fay Servicing and XXXX XXXX XXXX due to their malpractice. In XXXX 2015 I was granted trial payments and an acceptance for SAM modification due to the XXXX dollar settlement for principle forgiveness modification by XXXX. During the time XXXX transferred my account to Fay Servicing. Fay Servicing asked me to re apply and when I did I was granted a higher trial payment. I explained the situation to Fay Servicing and provided proof. Even with the proof that I submitted Fay Servicing they could n't find the approval. I have discus this numerous of times with Fay Servicing and they still refuse to approve it because it is something that only XXXX could grant. It is unfair and unjustly what XXXX has done and that is to transfer my file after it got approved. I have provided all documents needed. Thank you for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-03 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: Credit Bureau of Traverse City, Inc.(Closed)
State: MI

Complaint narrative:
i used to own a piece of propriety that has a assocation fee which was due way before i filed for chapter XXXX bankrupcy in 2011 they are still trying to collect even though it was discharged

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 2016-11-18 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
HSA Bank delayed closing my account for over 6 months and continued to charge account maintenance fees. I sent a transfer form to HSA Bank on XX/XX/2016. HSA Bank acknowledged in a phone call with me on XX/XX/2016 that they received the form on XX/XX/2016. During the XX/XX/XXXX phone call, HSA Bank said it would take 4-6 weeks to transfer my funds out. The funds did not transfer out. I called back on XX/XX/2016 and HSA Bank said it would take another 6-8 weeks to transfer out. HSA Bank finally transferred out my money on XX/XX/2016. HSA Bank never indicated there was a problem with the transfer, they just delayed it for 6+ months and continued collecting fees. These were investment funds at HSA Bank and at the new bank that I transferred the funds to. In the time from XX/XX/XXXX to XXXX the investment ( XXXX ) increased in value by over 13 %. HSA Bank 's delay cost me over {$1300.00} in return on investment.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-11-27 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Optio Solutions, LLC
State: AZ

Complaint narrative:
I received a settlement offer to pay off my debt for my XXXX XXXX credit card account from XXXX XXXX XXXX. I received this offer on XX/XX/XXXX. I sent the settlement offer amount on XX/XX/XXXX ; documentation to support. Over the last year I have received several notifications that I still owe on this account, and several collections agencies have sent me letters ; documentation to support XXXX agencies still trying to collect this debt. I found out todayXX/XX/XXXX, that this debt is still active against my credit report and is effecting my credit score. I want this debt erased, and I want my credit score adjusted to when I actually made the settlement payment back XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-04 00:00:00
Product: Debt collection — Mortgage
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: Fay Servicing, LLC
State: CA

Complaint narrative:
Condo was returned to XXXX in Chapter XXXX BK discharged XXXX XXXX, 2013. Fay Servicing bought a pachage of properties from XXXX has has been sending collection letters, phone calls and refuses to tell XXXX County Assessor that the condo is NOT owned by me

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-25 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
I am particularly concerned after doing some research about my home i purchased in XXXX XXXX. 

The information I discovered has led me to want to investigate this mortage. As, a first home owner i felt that I was a victim of " equitty Skimmping '' and neglience. Over the years when I was unable to resell my home for nearly the cost of what I paid for it. 

My research conducted that, the house was purchased prior on XXXX/XXXX/XXXX for {$130000.00} and Taxes Assesment at $ XXXX I bought this same home In XXXX XXXX ( less 6 months ) as a young niave XXXX time home buyer. I realized I was over-charged for the home and also taxes. I was led to believe the house cost {$220000.00} $ and {$130000.00} ( Taxes ). I also feel that the appraisal was manipulated and would like that investigated as well. Although in XXXX the market was high however I felt I was targeted and taken advantage of. In addition, I have doubt that the house never was worth or close to {$220000.00} of what they charged me. 

IF you take a look on XXXX, you would also see where I attempted to put house on market and it never sold.In fact im currently in a upside down mortage. 

I dont understand how do a property town tax go from asessment of {$72000.00} to {$130000.00} less than 6 months without any updates. I felt that I was targeted and taken advantage of. 

I believe that this was " Property flipping '' fraud. The home was purchased and resold within a short time frame at an artificially inflated value. This sale involved a fraudulent appraisal, which indicated that renovations were made to the home, when, in fact, there were none, the renovations consisted only of minor cosmetic improvements such as paint. I would like this matter investigated

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-30 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: United Collection Service, Inc (FL)
State: FL

Complaint narrative:
I am XXXX and request " reasonable accomdation '' to help me submit this " ambulance ride '' for " medicaid retroactive payment '' as I am unable to do so myself AND this debt is a direct result of my XXXX AND I WAS covered by medicaid " retroactively '' on XX/XX/XXXX. Thankyou.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Performant Financial Corporation
State: WI

Complaint narrative:
I am an educator that went back to school in XXXX to earn additional certification as a teacher. I have paid this loan when I had work. Unfortunately, many school districts have seen cuts of XXXX or more from XXXX. Since XXXX, the situation has become much worse. I have been turned over to a debt collector, Performant, that harassed me with multiple calls daily this fall. They have misrepresented how I could qualify for a loan rehabilitation program by having different reps tell me different things. 
When I asked for them to send me paperwork to do this, this did not arrive until the first week of XXXX even though this request was made just before XXXX. When I called before XXXX, which is what I was told to do if the materials did not arrive, not only did the different reps I talk to always tell me an entirely different story, but one even said in an extremely sarcastic and mean voice that I " need to check my mail ''. This was not helpful and everything else this rep told me was different than the previous reps said. I have been trying to call and speak to the collector identified on a letter ( Dated XXXX/XXXX/XXXX but that I did not get in the mail until the later part of last week ( week of XXXX XXXX ). I can not get a human being to talk to, even though I was told to call promptly when I recieved this information. When I asked to speak to " XXXX XXXX '' ( name on demand letter ) I was immediately transferred to a phone for a woman with the last name of XXXX. I offered to start sending in payments promptly so that I could qualify for a loan rehab program, but all I get is a run-around, paperwork is not promptly sent, it is not possible to get hold of a human being that can tell me accurate and consistent information ( I ca n't get hold of a human being now that I got the letter in my hand ), and I am being denied an opportunity to make payments to qualify for a program that would resolve this issue. This is harassment as I repeatedly find that Performant has no intention of helping me yet they have harassed me with multiple phone calls daily ( before XXXX ), are rude and sarcastic when I talk to them, do not tell me truthful and consistent information, and appear to have no intention of letting me get on top of this problem.

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 2016-08-07 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Credit Systems International, Inc.
State: TN

Complaint narrative:
My XXXX Credit report states that I have a debt collection that was paid for by my insurance that I had when I was working. I had a XXXX XXXX in XX/XX/XXXX. My insurance paid these claims, and I became homeless in XXXX XXXX until XXXX XXXX. I could no longer pay rent and lost my home. I no longer have the paperwork that provides the proof that this debt was paid, because I was living out of my car. I no longer have any vehicle, I am XXXX and I have no way of providing the proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-27 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I have a health savings account with HSA Bank, A division of Webster Bank. For 2016 I need to distribute {$6900.00} for Dental, Medical, Vision and XXXX. I recently added my bank account info to their website in order to distribute money to my account for these expenses. Their website said this would allow me to get my funds more quickly. When I attempted to distribute funds to my bank account an error message said {$2500.00} was the daily limit. I distributed that amount to my bank account, but every time I try to make subsequent distribution, they block my account. I have called them numerous times and they say will fix it, but it keeps happening. This money belongs to me, not HSA Bank. They have no right to withhold my funds. I have incurred expenses to make the numerous calls because my only phone is a pre-paid cell phone and I have lost interest that I could have received as I would have placed these funds in my Money Market Account. I have already paid the bills out of my own funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-25 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Fay Servicing, LLC
State: MI

Complaint narrative:
We cancelled our homeowners insurance in XXXX 2015 with one company and selected a new company. Our mortgage company sent a check for payment to the one that we cancelled and that money has not been returned to our account even though that is not our current insurance company. They claim that they are investigating where the money went or where the check went, we have called numerous times and nothing is being resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-16 00:00:00
Product: Debt collection — Federal student loan
Issue: False statements or representation — Attempted to collect wrong amount
Company: Van Ru Credit Corporation
State: NY

Complaint narrative:
Van ru is not telling you what they really are doing. I have been lied to about my agreements with them stating that if i pay certain amount i will have my debt taken out of default then when the time came i was told oh no you have to now pay a different amount in a another consecutive time period, etc ... please just investigate or you can even google van ru scam and read about peoples reviews and experience with the companies

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-13 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: Performant Financial Corporation
State: NY

Complaint narrative:
Over the past month and a half I received 2-3 phone calls every business day between XXXX am through XXXX pm. When I would call back they were rude, demanded payment, and threatened to deduct my pay.

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 2016-12-22 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: SUNTRUST BANKS, INC.
State: VA

Complaint narrative:
On XX/XX/XXXX, I applied for a mortgage refinance through Suntrust after being notified that I was pre-qualified to refinance at a lower interest rate. I am financially sound and went through the process of the loan application. Suntrust appraised my home and after the application signing I was told that a closing date would be set soon and that everything was processing efficiently. Around XX/XX/XXXX Suntrust began requesting additional utility bills and a home owner 's insurance declaration. On XX/XX/XXXX, Suntrust requested that the home owner 's insurance declaration be amended with my primary name instead of my father 's name. This was a very strange request because I am refinancing this home in my name instead of my father 's name. I sent the new homeowner 's insurance declaration page to Suntrust on the morning of XX/XX/XXXX as soon as I received the amended document from my insurance agent. On the afternoon of XX/XX/XXXX Suntrust sent me a denial letter because of time-lapse on the application process. 
The time-lapse of this application was due to Suntrust. I responded and had given every detail and document that they requested in a timely fashion. All responses between Suntrust and I are documented and dated for validity on the matter. Someone on the end of Suntrust simply " dropped-the-ball '' for weeks at a time during the process. This happened more than XXXX time from XX/XX/XXXX to the end of XX/XX/XXXX. Consequently, interest rates have risen and I can not get the lower interest rate through another company.

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 2015-03-25 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: SUNTRUST BANKS, INC.
State: VA

Complaint narrative:
My home has been recommended for foreclosure and is scheduled to be sold at auction on XXXX XXXX. Throughout this process, I have been working with : XXXX XXXX XXXX Preservation Client RepresentativeNMLSR : XXXX last spoke with her on Monday, XXXX XXXX. I informed her that we had listed our home for a short sale and expected to have an offer shortly. I was calling her as a courtesy so that SunTrust would be prepared for our offer packet to arrive. At that time, she told me that an offer packet would be considered only if it was received before XXXX XXXX, 2015. 

As of this afternoon, we now have the offer in hand and a compete package for submission to SunTrust. I called XXXX XXXX office to inform her of this fact and to enquire as to the reason that our attorney had been unable to receive a response from you. XXXX XXXX was not available to speak to me so I was connected with an alternate agent. After I informed this agent that we would be submitting an offer today, she told me that we could not submit an offer for review because we were less than 15 days from the auction date. When I pointed out that, as of my conversation with XXXX XXXX on XXXX XXXX, no 15 day requirement had ever been communicated to me, I was transferred to a XXXX agent. This XXXX agent told me that I can submit the offer packet but that SunTrust would not guarantee it would be reviewed or the auction cancelled as we were within the 15 day window of the auction. 

We will be submitting the auction package to SunTrust today. I want to escalate this matter for your full consideration with regard to reviewing the packet and stopping the auction while approval of the short sale is pending. The offer packet is correct and complete. Additionally, the requirement for receipt at least 15 days has never been communicated to me, in spite of the fact that I have been communicative and responsive to XXXX XXXX information needs over that last eight months. More so, the letter from XXXX XXXX for the sale at auction ( XXXX XXXX XXXX XXXX ) did not mail us the notification that our home was scheduled for auction until XXXX XXXX. It was done via registered mail so you will have a record of when I received it. Regardless, it was revised less than 15 days before the XXXX XXXX date. 

As we have a complete and correct offer in hand, the 15 day requirement was never communicated to us and the notice of the sale was received less than 15 days before the auction date, I respectfully request that SunTrust agree to review our offer package.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-01 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: SUNTRUST BANKS, INC.
State: MD

Complaint narrative:
We have our loan for primary residence with Suntrust, which is responsible for making timely property tax payments from the escrow account. Since our property tax was adjusted higher, Suntrust made payment that was less than the required amount. As a result we were assessed penalty & interest by XXXX county. Even after notifying Suntrust about the shortfall it took them 4 weeks to make the payment - and all along the bill was accruing interest. We make our tax payments into Suntrust escrow so we should not be held liable for any accrued interest and penalty.

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