vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-10-28 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: FIRST NATIONAL BANK OF OMAHA
State: GA

Complaint narrative:
ON XX/XX/2013 I OPEN A CREDIT CARD ACCOUNT FNB XXXX THE CREDIT LIMIT WAS XXXX I WENT OVER THE LIMITED THE CREDIT LIMITED BUT PAID THE ACCOUNT OFF AND RECEIVE MY XXXX DOLLARS DEPOSIT BACK INFORM OF CHECK AFTER CLOSING MY ACCOUNT WITH THEM MY ACCOUNT WAS REPORTED TO THE CREDIT REPORTING COMPANY AS A CHARGE OFF ACCOUNT AND I HAVE TRY TO DISPUTED AND TRY TO REACH OUT TO THIS COMPANY MULTIPLE TIMES THEY HAVE ADVISE ME THAT THEY CA N'T GET IN TOUCH WITH COLLECTION DEPARTMENT AND DO N'T HAVE NUMBER FOR THEM. I HAVE TRIED AND TRIED AND THEY WANT HELP

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-14 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: U.S. BANCORP
State: MO

Complaint narrative:
I opened an account with my then boyfriend, XXXX XXXX, at the US Bank branch he XXXX in XXXX Illinois a couple years ago. I kept the account, even after we had broken up, as a savings vehicle. I rarely have more than {$100.00} in this account. The last time I checked the account, there was less than {$10.00}. I received an e-mail alert about a new balance yesterday and checked my account. It 's in the XXXX by $ XXXX. US Bank will not help me. They refuse to refund the overdraft! They state that I signed a form that gave them authority to authorize purchases on my card, even if I did n't have the funds to back them up. They are refusing to give me a copy of the form I " supposedly '' signed that gave them this permission. Furthermore, they left the final decision in my ex-boyfriend 's court. He naturally denied to refund me the overdraft! I have tried to work with US Bank. I asked to close the account and they wo n't. Even after I have paid {$150.00} towards the balance ( automatic debits that had the wrong information to draft from ), there are still overdraft fees to keep the account open. Every 8 days, they are going to charge me another {$25.00} for the overdraft fees!

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 2016-10-28 00:00:00
Product: Debt collection — Mortgage
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: Caneel Capital, LLC
State: FL

Complaint narrative:
Virtually the exact same problem as the post from XXXX 2016 from a different person. " Trinity Financial Services, LLC a collection company formed in -/-/- invests in distressed - loan mortgages caused by the collapse of the housing bubble in -/-/-. Because our home was over - underwater - - - through " Making Homes Affordable Program '' helped us keep our home by charging off our - loan and restructuring our - loan including escrow fees, taxes, and insurance which we have been paying down and remain current to this day. Nearly a decade later, Trinity has found a way to capitalize on the recovering housing market by picking up written off - loan mortgages at XXXX on the dollar and foreclosing on people 's homes unless the homeowner pays them outrageous and unreasonable profits. Although their websites states they achieve their success by " building relationships and working closely with homeowners through a variety of workout options including modifications and settlements '' this statement could not be further from the truth. Trinity 's MO is to bully the homeowner into paying the full unpaid balance plus ALL interest or suffer foreclosure. They lull you into thinking they 'll work with you by initially offering a modification or a reasonable settlement but it 's resolve this matter because it was in their best interest to do so. I blame - - - for falsely leading us to believe we received a principal reduction and Trinity Financial Services, LLC for remaining dormant by intentionally failing to notify us over all these years for the purpose of maximizing their profits at the expense of the unsuspecting homeowner. Not to mention they have a HUGE problem with the chain of assignment as the assignment deed of transfer documents purporting lawful assignment and thus lawful standing to foreclose appear fraudulent and incorrectly dated rendering standing and the security instrument VOID under the law. With all the improprieties in the chain of assignment and it 's execution they still assert lawful standing yet fail to produce an original note. As a law abiding homeowner we are left with no choice but to defend our only family asset in legal court system. We have invested 11 years on paying this home down, investing our hard earned money on repairs and up keep, on improvements just to let our home go into the hands of these unethical debt collectors. Most homeowners do n't have the money to contest these wrongful foreclosures in court and Trinity knows that which is how they get away with their. They need to be STOPPED! ''

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-08 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Collection Services, Inc.
State: CT

Complaint narrative:
Requested the following information from collection agency three times : Name of doctor this debt is owed to. 
Dates of services provided. 
Procedures that were performed. 
How you determined that is my debt. 
Collection agency deleted the tradeline from my equifax credit report. Has not provided the requested information, and continues to report on my experian 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 2016-02-08 00:00:00
Product: Debt collection — Non-federal student loan
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: URS Holding, LLC
State: SC

Complaint narrative:
I was a student at XXXX XXXX XXXX from XXXX of XXXX to XXXX XXXX. A school official applied for a XXXX XXXX XXXX ( Private ) in my name providing an e signed loan application for {$21000.00}. The loan was obtained for the school period of XXXX XXXX to XXXX XXXX, a period for which I was not enrolled ( documentation provide by the school registrar ). I had no knowledge of the loan until learning that I had been turned over to a collection agency about a year ago. When I requested debt validation, the debt collection agency ( Enterprise Recovery Systems ) was only able to provide a copy of the loan application with no transcripts or master promissory note. All attempts to resolve have proven unsuccessful. With fraud report ( police ) and verification none of the partied involved will accept responsibility or liability for the actions of whomever applied for this loan. I have spoken to XXXX the loan servicer, Enterprise Recovery Systems ( the current collections ), and a representative of XXXX XXXX XXXX XXXX SC . Enterprise Recovery Systems reported to me after submitting the requested documents ( certified ) via phone conversation that my case was " special '' and had been referred back to XXXX. The representative from Enterprise Recovery Systems further advised me that XXXX was not bound by any regulations to respond in a timely manner " they could take as long as they want '' but they " Enterprise Recovery System '' would continue to report to bureaus. All have parties have been provided with documentation as well as XXXX, XXXX, and XXXX. Despite the preponderance of evidence of fraud, they continue to report, refuse to update/remove, and will not offer resolution to matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-03 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: Complete Credit Solutions, Inc.
State: GA

Complaint narrative:
I sent Complete Credit Solutions a Validation of Debt in XXXX, that was delivered to XXXX, TX on XXXX XXXX by certified mail. The company has yet to respond and it has been over the 30 days for investigation, which is a violation of the FCRA. The letter asked for proof of debt belonging to me as well as their license to collect a debt in my state of resident.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-03 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Acceptance Rentals, Inc.
State: GA

Complaint narrative:
I purchased furniture from XXXX using Acceptance Rentals as the leasing company. The furniture totaled approximately {$2400.00}, but without my knowledge or consent, a new lease account was added to my Equifax credit report by Acceptance Rentals showing a balance of {$5700.00} -- more than double the amount of the purchase price. I have paid approximately {$2000.00}, maybe more, for the furniture and realizing that I will pay more than double what the furniture is worth does n't seem fair, right, or legal.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-02 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: URS Holding, LLC
State: CA

Complaint narrative:
Someone used my personal information and identity to create this fraudulent account. I did not give anyone permission to use my personal information and did not know this account even existed until I viewed my credit report. I have provided the debt collections agency with my police report, FTC Identity theft affidavit and letter of disputes. They continue to verify this fraudulent account with the credit bureaus and report it. They have neglected to remove this fraudulent account from my credit report and collections. I have sent them XXXX certified letters requesting

Company response to consumer: Closed
Consumer complaint received 2015-12-15 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 BUREAU OF NAPA COUNTY, INC.
State: NJ

Complaint narrative:
In its statement dated XXXX/XXXX/XXXX, XXXX XXXX XXXX XXXX charged {$50.00} for service they said on XXXX/XXXX/XXXX, more than three years ago. Luckily, I had a copy of statement of my insurer indicated I paid in full in my copay for the service on that day, and I sent a copy of the statement contesting the charge and asked them for the reason why I am charged.They never provided more information or explanation of the charge, but keep charging in their statement dated XX/XX/XXXX,XX/XX/XXXX, and another one without date about a month later despite my repeated request for explanation every time I received such a statement. Finally, on XX/XX/XXXX, I received a phone call from an agent of Chase XXXX agency at both office phone and cell phone asking my birthday without explanation what for they are asking despite my repeated request. Since I could not recognize Chase XXXX XXXX, I told him I could not disclose my personal information without knowing what it was for, he hung up saying he would proceeds on collection process. When I return home late in the evening on that day, I received statement from Chase Receivables of the same charge that was referred to the collection agency with past due warning without any explanation of the charge that I have repeatedly requested for. I will be happy to pay if they provide me with good explanation for the charge, but they never provided me with one despite my repeated request, but forwarded the charge to collection agency. I am afraid that will adversary affect my credit record.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-29 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: PLANET HOME LENDING, LLC
State: MT

Complaint narrative:
XX/XX/XXXX, I contacted Planet Home Lending letting them know that I have become XXXX, and that I need assistance with my mortgage until my hearing with the Social Security Administration. It is listed all over their website that they have programs and are happy to help. They reported that they received my paperwork on XXXX XXXX XXXX. It is now XX/XX/XXXX and not only have I heard nothing from them regarding my need for assistance, which I was promised within 30 days of them receiving my paperwork, I am still receiving call after call from nasty people from planet home lending asking when I was going to pay my bills, or pay my mortgage to current status. They also have people taping nasty notes on my front door telling me to pay up. Not only have they lied repeatedly about wanting to help, they are charging me late fees for every month they make me wait for them to give me an answer. I WAS NEVER TOLD BY ANYONE AT PLANET HOME LENDING THAT DURING THIS TIME I STILL NEEDED TO MAKE PAYMENTS UNTIL I HEARD BACK FROM THEM.

Company response to consumer: Closed
Consumer complaint received 2015-12-21 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: AR Solutions Inc
State: NE

Complaint narrative:
AR Solutions in Nebraska received Judgement against me in XXXX 2015. On XXXX XXXX 2015, the debt was paid in the amount of {$230.00}. ( Paid via the XXXX XXXX Nebraska Courts : XXXX/XXXX/2015 at XXXX Order # XXXX Receipt Number XXXX ) On XXXX, 7 days after the funds had cleared my account, AR Solutions executed a garnishment on my checking account in the amount of {$250.00}. 

First the debt has already been paid, there should be no reason to need an additional garnishment. Second they are citing more " court '' fees to execute the garnishment on a debt that has already been paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-20 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: CREDIT BUREAU OF NAPA COUNTY, INC.
State: NC

Complaint narrative:
i keep receiving calls to my cellphone from a scam debt collector. 

They have called XXXX or XXXX times now. They imply they are debt collectors, but when asked who they are trying to collect for, the woman said we work for XXXX of clients, a nd started asking for my birth date. I told them I do not owe any outstanding debts and stop calling.I hung up. The calls sound like they come from a call center. The # used is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC.
State: ME

Complaint narrative:
After changing jobs in XXXX XXXX, I took a considerable paycut ( former yearly salary of XXXX and current yearly salary XXXX ). I attempted to decrease my monthly payment, as I was already enrolled in an income driven repayment plan. Navient told me there was nothing I could do to change my plan until my taxes were completed in XXXX. I paid XXXX extra a month from XXXX until XXXX. Once i got my taxes done, Navient repeatedly gave me the run around with which form to use and the timing of the form. Everytime i called a rep would tell me i filled out the wrong form, and to try this form, only to call back and have them have me fill out forms i had already completed and sumbitted. After I had filled out ( and had my husband cosign ) pretty much every income driven form on the website, they started telling me the timing of the form submission was wrong. The result was me paying XXXX extra a month for a total of 8 months in XXXX, in addition to all the extra paid in XXXX and XXXX. My submissions for a new plan started in XXXX, my new income was not reflected until my XXXX statment. I thus was forced to pay extra on an income driven repayment plan from XXXX XXXX until XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-20 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: MA

Complaint narrative:
Almost impossible to reach anyone on phone. HAVE NEVER RECEIVED MONTHLY STATEMENTS BY MAIL. No one seems to be able to get our zip code right. Have not received our tax form. Somehow threatening letters, however, get here. Can not ascertain payments due to sloppy customer service.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-30 00:00:00
Product: Bank account or service — (CD) Certificate of deposit
Issue: Account opening, closing, or management — 
Company: BB&T CORPORATION
State: KY

Complaint narrative:
I transfered an IRA account from BB & T bank. This account was origionaly with the XXXX. BB & T deducted XXXX Dollars from the account when they transfered it. The instition which I depsoited the money origionally would not have done this. This deduction was done without them telling me about it.

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 2017-01-10 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: BB&T CORPORATION
State: VA

Complaint narrative:
I have attached a complete description of my problem with BB & T. Although this issue has finally been resolved ( after 3 months ), I am sending this to point out that we should not have been put through this strictly because of incompetence and lack of interest on the part of BB & T personnel. Why did I have to deal with the XXXX department and XXXX separate bank branches in order to finally find XXXX person who cared and was willing to help? It was a very poor customer experience. I wonder how many other fraud victims at BB & T go through similar experiences? Was our experience the norm, where the bank is trying to avoid fraud costs or was this situation an anomaly? I doubt that.

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 2016-01-08 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: FL

Complaint narrative:
We closed on our mortgage with Nationstar on XXXX/XXXX/15 and wired the payoff funds the same day. 2 days after closing and after recieving the funds via wire, Nationstar changed their payoff amount due and refused to accept our wire. They then held up the process for 16 days, not accepting the new wire amount until XXXX/XXXX/15. For these 16 days, they refused to refund us our mortgage interest, as the payoff at closing was thru XXXX and any days before that date were to be refunded. When I submitted written proof of this discrepency, Nationstar completely ignored the documentation and continues to state that they are correct and that they do not owe us for the lost 16 days, even though we submitted the correct payoff on the date of closing and Nationstar changed that payoff AFTER closing. If this is a legal practice, then any mortgage company could do this to any customer and steal mortgage interest from them - this could be a XXXX dollar scheme defrauding customers of their money.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Settlement process and costs — 
Company: NATIONSTAR MORTGAGE LLC
State: CA

Complaint narrative:
We submitted a short sale request to XXXX and the short sale was approved on XXXX/XXXX/2016. The approval was good until XXXX/XXXX/2016 but we were told to close by XXXX/XXXX/2016 ( a Sunday ) or the loan would be service transferred. We submitted the recorded documents to XXXX on Monday XX/XX/XXXX2016 as is required and was told that the loan had been serviced transferred on Tuesday XXXX/XXXX/2016 AFTER XXXX had received the funds and the recording documents. The representative let us know that they had sent the short sale funds as well as all related documents to Nationstar. ( Final XXXX & XXXX XXXX Deed attached ) We contacted Nationstar and was told that we would have to wait until the loan had been " boarded '' before they could let us know the disposition. In the meantime, I had moved out of my property on XXXX XXXX, 2016 as required by the purchase contract. 
Nationstar has received the short sale funds and my realtor has been in contact with them and has sent them every document that they have requested. On XXXX XXXX, 2016 we received an approval letter from Nationstar with a request to have additional paperwork signed and notarized. ( attached ) These documents were immediately sent back to Nationstar that afternoon. 

As of yesterday my Realtor was told that the file was in the closing department and we should have word that day. 
My Realtor has been calling and emailing all day and there has been no response from Nationstar. 

The transaction closed on XX/XX/XXXX,2016 and XXXX service transferred this loan even though they were aware that we were closing. Nationstar has in its possession the short sale agreement, the recording documents and the money. This is unfair! I am living in a motel because I ca n't move forward until this transaction is finished. I need help with Nationstar, they gave their short sale approval but are making us wait for a transaction completion letter. HELP!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-02 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: KY

Complaint narrative:
My mortgage is currently serviced by Nation Star. My regular monthly payments are {$500.00} per month and Nation Star has imposed {$530.00}, {$530.00} and {$530.00} monthly charges over the last 60 months ( see attached ). Nation Star claims that the increase in the overall escrow is due to an increase in taxes. However, my taxes were reduced from {$860.00} to {$510.00} per month, due to Kentucky Homestead law. My P & I is {$450.00} per month and since my taxes equal {$43.00} per month, therefore my monthly payment should equal {$490.00} per month. Overall, have been overcharged {$34.00} for a sixty month period, which equals a total amount of {$2000.00} overcharged. On XX/XX/2016 Nation Star demanded payment of {$920.00}, even though I have made all of my payments timely each month. Nation Star advised that these funds needed to be paid in order to avoid foreclosure. Nation Star has refused to prove up the math behind the alleged delinquent amounts. The statements that they have issued have not matched the oral amounts listed. Both CFPB mortgage servicing laws and RESPA law require that transparency within accounting be present during mortgage servicing. Nation Star is in violation of both CFPB and RESPA law. Overall, I feel cheated and deceived by Nation Star and I am seeking your assistance on this matter.

Company response to consumer: Closed with explanation