vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-02-28 00:00:00
Product: Credit card — 
Issue: Payoff process — 
Company: Army and Air Force Exchange Service
State: MO

Complaint narrative:
Military star card complaint. 
Background, The military star card allows you to purchase items through AAFES exchange stores and outlets with a decently low interest around 10 %. the same card also allows you to purchase military clothing with a 0 % interest. 
Lets say I spend XXXX to purchase military clothing in XX/XX/XXXX and purchase XXXX in the AAFES store. 
I do not want to pay interest so I pay XXXX to the military star card. Thinking since they must apply the XXXX to the highest interest. Well they do n't they end up applying around XXXX to the interest side and XXXX to the non interest side and this is my problem. XXXX are being ripped off because of this and they should n't be.

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: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: ROYAL UNITED MORTGAGE LLC
State: NY

Complaint narrative:
This complaint concerns gaps in communication between my loan officer XXXX XXXX of Royal United Mortgage I have been approved for a refinance of my property at XXXX XXXX XXXX and have complied with all the requirments in terms of submitting XXXX, etc. He does not return phone calls or e mails. I am in limbo so I am not sure if it is thumbs up or thumbs down. If it is now thumbs down I can quit wasting time and go to another lender

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-31 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: Seidberg Law Offices, P.C.
State: AZ

Complaint narrative:
Based on the above bullet points, I and this situation falls into XXXX,XXXX and XXXX bullet points. 
At MY parents house, they gave me a letter that was for a potential garnishment. I never was served NOR had notice of any hearing, case or issue that apparently turned into a judgement. on XXXX/XXXX/2015. I went to the courts to file and request a hearing on XXXX/XXXX/2015. 
My employer sent me documentation XXXX/XXXX/2015 of the garnishment basically stating that they are complying with it. I called the courts to see the status of the hearing. They have not yet set a date. The garnishment is from a Seidberg Law Offices at XXXX XXXX XXXX. This is illegal and request your help in solving this matter. MY contact information is : XXXX XXXX, XXXXXXXXXXXX XXXX XXXX XXXX. I sincerely appreciate your help in this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-12 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: FORD MOTOR CREDIT CO.
State: CA

Complaint narrative:
account number XXXX was reported as opened on my credit report as of XXXX this i before i even applied for credit or gave my credit information to the dealer i disputed the error thru the credit bureaus and ford came back with a reporting improvement in previously reported derogatory credit.the auto loan never was opened until XXXX and it was opened with out a siganture for the buyer on the retail installment contaract without a date but no one had any athorization to run or report anything on my credit until XXXX the reporting even list a payment made in the month of XXXX and has a dollar amount different from what the contract list when i asked ford for a letter showing i never made payment on such account they somehow sent me a letter listing a payment was made in XXXX this is false and account is fraudulent i want it removed or honestly correct

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-20 00:00:00
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: BANCORPSOUTH BANK
State: MO

Complaint narrative:
Hello, I am trying to resolve an issue with Bancorp South regarding a charge filed on 2014 by XXXX XXXX XX/XX/<YYYY> in the amount of {$400.00}. For detailed explanation, please refer to attached letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-29 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: Trident Asset Management, L.L.C.
State: OH

Complaint narrative:
i contacted the collection company by writing, phone many of times to verify the debt. they stated i wrote a bad check inwich i obtained records from the bank that there is no ' bad check '. they will not send me any type of verification, they keep sending me statments that i owe the debt.under the laws i thought they have to send me evidence?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-14 00:00:00
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: EZCORP, INC.
State: TX

Complaint narrative:
i got a automated call today XXXX/XXXX/XXXX from number XXXX & followed up with a call from XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX i have no knowledge of this account and i have informed the agency that i have been a victim of identity theft, i did ot make any payday loans. 

i need copy of contract signed, iD presented, Store Location, video surveillance E.T.C. 

this is an ID theft, i have not collected any such Loans & i want this collection and threats of lawsuit to stop now.. 

this is the first call & first time i am hearing about this, claimed it was an account from XXXX, this is XXXX 5 years later. i am 100 % sure this is not my account and i need organization to close the account and delete records from my credit. 

Thanks

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 2016-12-12 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Federal Adjustment Bureau, Inc.
State: OH

Complaint narrative:
I have a a unverified account from FABCO # XXXX. I had previously disputed this account. I have never done business with FABCO. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. You are a unknown credit bureau company that has stored information that was not authorized by myself you are in violation under section 604 and 605 of the FCRA. 
My name is XXXX XXXX XXXX and I would like to place a security freeze on my file. 
I request that FABCO Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that FABCO Cease and Desist all further communications and collection actives and provide the verification of the purported debt.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-30 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC.
State: DC

Complaint narrative:
Navient really needs to be looked into. I was with XXXX until XXXX sold the loans to Navient. Never did XXXX charge me any late fees for being less than a month late. Plus, the amount Navient charges is exorbitant. Navient is a predatory lender. I would have never taken out any student loans, if I had known I would have to deal with such a company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-14 00:00:00
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: EZCORP, INC.
State: TX

Complaint narrative:
This company - they give different names when I ask who is this, the number they are calling from is XXXX this company continues to call my family members leaving threatening voice mail messages on my family members phone. I have called this company and informed them this was paid off and I provided the name of company and the contact information for the company this account was paid. This individual at the current company calling me stated that information was not sufficient, he was rude and I have asked them to stop calling my family members and myself.

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 2015-09-11 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: UNITED SECURITY FINANCIAL
State: NC

Complaint narrative:
We asked the bank for a minimum net proceeds amount to determine if we could find a buyer. The bank told us on XXXX that acceptable net proceeds of {$230000.00} were required. We provided an offer to avoid the foreclosure. the investor then, after reivew for one week change their mind and now want an additional {$7500.00} above the offer and to reduce commission to 3 % for XXXX agents to split. The short sale national protocol is 6 % between XXXX agents. We reduced the commission to 5 % split between XXXX agents to try to make this offer work. This was the highest offer received in 2 years on market, they turned it down the day of the foreclosure, then 5 minutes before the foreclosure they postponed the foreclosure for offer review again. That was on XXXX XXXX, 2015. Now they have returned today XXXX XXXX XXXX, 2015 ) at the same terms as prior to their review XXXX {$260000.00} and reduce commission to 3 %, split between XXXX agents. So in essence, they are now again more intent on foreclosing on an XXXX service member and his veteran exwife who is suffering XXXX. Therefore we feel that the investor XXXX United Security Financial XXXX is force placing this foreclure by offering terms that no one could oblige.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-29 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Trident Asset Management, L.L.C.
State: AL

Complaint narrative:
I have continuously contacted the debt collector who refuses to honor my dispute of identity theft. I have provided all the information needed to support this including the police report and what happened when my car was broken into and all of my items were stolen.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-07 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Independent Recovery Resources, Inc.
State: NY

Complaint narrative:
I sent a letter requesting validation for a debt on my XXXX credit report. The debt is with Indepedent Recovery Resources in the amount of {$110.00}. I sent my first letter in XX/XX/XXXX and did not get a response. I sent another letter on XX/XX/XXXX and once again no response.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-12-21 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Allied International Credit Corp., (US)
State: CA

Complaint narrative:
Received a notice from " Allied International Credit Corp '' indicating that I owe {$37.00} to XXXX which has been referred to ALC for collection. 
In fact, I have not purchased anything from XXXX in several years. They are also using a name which I do not typically use for purchasing any items on the internet. 
I believe the letter is a total scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-15 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: ZIONS BANCORPORATION
State: NV

Complaint narrative:
I have a home equity loan with Nevada State Bank dba Zions Bancorp. I live in a flood zone. Every year Zions Bancorp needs proof of flood insurance coverage. This year there was some difficulty getting a declaration page from my insurance with the exactly correct name on it because Zions Bancorp changed their name in some small way so as to make the previous way the name was shown incorrect. After many, many phone calls and follow up conversations with both my insurance company and Zions Bancorp,, the representative told me everything was correct and she had received the exactly perfect declaration page she needed. This was all done in an effort to not be charged their " forced placed '' flood insurance coverage ( {$770.00} ). After I was assured Zions Bancorp had received the perfect declaration page, I was charged the {$770.00} and it was backdated to XXXX/XXXX/16. After calling the Zions Bancorp representative who assured me I would not be charged, I was told the charge would be removed IN THREE WEEKS. It 's been four weeks now and the charge is still on my account on which I am being charged interest. Nobody at Zions Bancorp can remove this charge. I 've filed a complaint with their customer service, talked to a supervisor, talked with original flood insurance specialist who assured me everything was in place. It 's been a month now and the charge is still on my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-04-17 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PHH Mortgage Services Corporation
State: NJ

Complaint narrative:
XXXX/XXXX/XXXX I ordered a copy of my XXXX credit reports. I saw that so many items regarding my XXXX Mortgage were incorrect and not updated for 6 years!!!. I sent what all the errors to be corrected were to my " Mortgage Servicer " and they told me to send my corrections to my loan " Owner '' My Servicer is PHH Mortgage Service Center and my loan Owner is XXXX. XXXX told me that all that should be taken care of by The Servicer ( PHH Mortgage ) ; I am being sent in circles. 
Who is responsible for updating any information regarding my loan : PHH or XXXX?? 
Note : My Mortgage was granted a loan modification in XXXX of XXXX I can not get an answer and in the mean time my credit takes a hit because a lot is not in my favor but still incorrect. I see this as simple creditor neglect.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-27 00:00:00
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: EXPERT GLOBAL SOLUTIONS, INC.
State: OR

Complaint narrative:
In 2008 XXXX XXXX credit card forewarded a debt balance of {$110000.00} to NCO Collections Agency, l was out of work with no way to pay this debt, that accrued from XXXX XXXX credit card company. As NCO perused collections attempts from me, they decided to forward my account to their sister law firms. As NCO Collection persue to collect this debt, the debt increased with time. For each law office they sent the debt to. 
Fees, late charges, mail handling, and any other fee they could claimthe debt to this card added up. NCO also decided to garnish my wages while l had no job, and was unable to find work? The fees kept being added, until they thought to send garnishments to more than ( XXXX ) XXXX banks throughout the entire state of Oregon. I received return receipts for each and every letter they sent. The action they took rattled my nerves, how am l suppose to work to pay them the debt now it 's adding up to amounts unknow. Each time they sent me a letter l would respond. If you check with the XXXX XXXX courts you will see how many garnishments they sent against me In their letters it said l owed the balance at the present time with accruing interest rate of 9 % annual, with no end in sight to explain or allow me to ask questions. Like where are the payments l made before NCO Collection Agency stepped in? Being unable to find work l decided to forgo trying to work this debt out, due an increase every year onto the debt of 9 %. Once attorney General XXXX created these consumer protection laws for us l 'd be crazy or sick with stress wor ring how to pay this off so it became hopeless for me and I gave up and let XXXX step in, so here l am in this complaint from at this time.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-01 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Application, originator, mortgage broker — 
Company: ZIONS BANCORPORATION
State: CO

Complaint narrative:
My spouse and I recently ( XXXX ) purchased a home through a mortgage broker. After the loan closed, my spouse inquired with the mortgage broker about a home equity line of credit ( HELOC ) on our home. The mortgage broker said his company had a relationship with Vectra Bank and would forward the information to Vectra Bank. I was aware that my spouse was wanting to do a HELOC but I did not want to be on the loan. In XXXX 2016, I received a letter in the mail from Vectra Bank showing they ran my credit report and what my credit score was. My spouse and I did n't know why they ran my credit when I did not apply for a loan. I did not contact Vectra Bank at that time, I just assumed they were requiring me to sign on the loan. On XXXX XXXX, 2016 I received a call from the lender at Vectra Bank regarding the HELOC and that they might be able to give us more than was requested. I asked him why they ran my credit report when I did not sign anything allowing them to run my credit. I told the lender I was not wanting to be on this loan. He said he would look into it and call me back. When I talked to the lender the following day he said I would not need to be on the loan because my spouse would qualify without me. The lender was not able to answer my question as to why they ran my credit when I did not apply for the loan. The lender also said they could not remove the inquiry on my credit. On XXXX XXXX, 2016, I received a Notice of Action Taken and Statement of Reasons. The letter said my application for credit dated XXXX/XXXX/2016 was not able to be approved because the value or type of collateral was not sufficient and they had a counter-offer. 
My complaint is I never applied for credit with Vectra Bank. I did not complete a loan application and they do not have my signature saying I authorized them to pull my credit report. The lender knew this mistake and sent me a denial letter when he knew I never applied for a loan. I believe Vectra Bank violated at least three regulations : FCRA - for not receiving my authorization to pull credit and for not having a permissible purpose to obtain my credit report. They did not have a permissible purpose because I never applied for this loan. 
ECOA - Reg B ( signature requirements ) - for assuming I was a co-maker on the loan request. 
Reg P - Privacy - for reviewing my credit without my authorization. 
I believe Vectra Bank could have a problem in this area. When they receive a loan request through a mortgage broker, they should contact the individuals to make sure they are wanting to do a loan and have them fill out the proper paperwork. They should not make assumptions especially when they are dealing with people 's credit.

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 — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: Roberts Law, LLC
State: GA

Complaint narrative:
My friend paid over {$1000.00} to XXXX XXXX for a loan mod. XXXX XXXX kept the money and kept getting her to pay more money to do things that the initial payment was to have taken care of. By the time her loan mod had been completely refused she had paid over {$2000.00}. From others in our community, its been learned that XXXX XXXX regularly pockets a lot of the money that she claims to used for the loan modification process. And end the end most have still ended up being referred by XXXX to Atty. Roberts to try to fight the foreclosure process. It truly seems that Atty. Roberts has no idea what XXXX and her friend Atty. XXXX XXXX are doing. This is how XXXX and XXXX were able to go behind the back of those at Roberts Law and take control of a loan modification contract that use to belong to the main attorney. XXXX has taken thousands of dollars from the law firm. My friend use to go to the law firms office numerous times trying to get her loan modified. She witnessed that a man named XXXX had to pay his own fees on a pleading necessary to get out of jail because the firm had no money in the escrow account. XXXX kept a check the the owner had given her to deposit into the escrow account. Between XXXX and XXXX it is a wonder that the law firm is even in business. I attempted to go to the Georgia bar directly but was told that because I was not the actual injured person I could not file a complaint. The police said that its a civil matter and referred me to the Georgia Consumer Protection Bureau who referred me to this agency. If this is n't the right agency please direct me to the right agency or department. These XXXX women are stealing people blind and not providing the service they represent to be able to provide and no one seems to either care or be able to investigate and stop them. On her last visit she overheard the staff talking about a man name XXXX who had been arrested because of the firms failure to fulfill its obligations. Since they do not know me, If it would help, I am willing to go in and request a loan modification from XXXX so that the process can be traced from start to finish. Several of my friends are willing to do the same thing. The firm is Roberts and XXXX XXXX XXXX at XXXX XXXX XXXX XXXX. No. XXXX, XXXX Georgia XXXX. ( XXXX ) XXXX. I forgot to mention that XXXX locked XXXX XXXX out of the loan mod portion of the law officies software so that XXXX XXXX could not help protect the XXXX community from the predatory practices of XXXX XXXX and her partner XXXX XXXX.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed