vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-12-30 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: POPULAR BANK
State: FL

Complaint narrative:
Popular Community Bank has offered a {$120.00} bonus for opening checking account. ( Receive {$75.00} when you make XXXX ACH direct deposits of {$500.00} or more. Receive {$50.00} when you make XXXX online bill payments or preauthorized withdrawals. ) I accepted Popular Community Bank 's offer and opened checking account # XXXX ( letter attached ), made a required opening deposit and made preparations to fulfill bank 's requirements for the bonus. Imagine my astonishment and disappointment to find that Popular Community Bank has decided to close my account some XXXX weeks later after accepting my opening deposit. When I called the bank, I was told that account was submitting for closure because the closest bank 's branch is a XXXX miles away from my home. I tried, in vain, to explain to the bank 's representative that I am frequenting the areas in Florida when bank has branches, and generally conduct most of my banking on line, after all, it is XXXX XXXX and everybody has access to XXXX. Moreover, the account I opened is called online Checking with online Banking, online Bill Payment and Mobile Banking. At the end, I was told that the bank is unwilling to change its decision to close my account. 

The bank has made a promise to credit a {$120.00} bonus upon opening of checking account to residents of Florida, New York and New Jersey. I live in Florida and I accepted bank 's offer by opening a required account and making a required opening deposit. XXXX of bank 's offer or a binding promise of bonus represents an unilateral contract for breach of which law provides a remedy. I was unable to complete the transactions necessary to receive a {$120.00} bonus because Popular Community Bank breached the contract by terminating my account without lawful justification or excuse. Popular Community Bank action of closing my account is a breached of contract and law affords remedy or a legal cause of action in which a binding agreement or bargained-for exchange is not honored.

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 2016-09-28 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Amsher Collection Services, Inc.
State: DE

Complaint narrative:
I have a collection from this agency and another on my credit report, The agency i would be addressing today is AMSHER Collection agency. I have spoke with them numerous time about getting this off my credit report, the first time i was told i would be mailed a form with 7 days, that i would need to fill out and foward to XXXX. 2 Weeks of not receiving such, i than contacted them back. i explained to them ive been trying to get a auto loan and this is 1 of the 2 agencies holding me back due to a debt that is in fact not mine ( XXXX XXXX ). I offered to provide my birth certificate as well as state ID hoping this would expedite things since both pieces of evidences clearly state that i was a minor ( Under the age of XXXX ) at the time of these accounts. I can not have a civil conversation with amsher collection agency without being interrogated about this matter, i have been asked for payment on these debts everytime i call to dispute this matter, and ive just been getting the run around, I dont see why its so hard to remove this debt off my credit report since it clearly could not be my debt since all this was done before i turned the legal age ( XXXX years old ), to even sign a contractor.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-01 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: Amsher Collection Services, Inc.
State: WA

Complaint narrative:
Over 8 years ago I was a XXXX XXXX customer. Upon closing our account I paid the balance owed and returned the equipment. In the past three months XXXX XXXX has sent a request to XXXX different collection agencies to attempt to collect {$120.00}. I do n't know what this debts about. Even if it was my debt ( which it is n't ), the State of Washington has a 6 year statue of limitation for contractual debts.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-22 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Selene Finance LP
State: MN

Complaint narrative:
I have been working with a HUD approved housing counselor to have Selene review my request for modification. On XXXX/XXXX/XXXX my housing counselor and I were told to send in the XXXX most recent bank statements and proof of income. We advised Selene that Social Security was my only income and they requested a letter stating that Social Security was my only income and I was no longer self-employed. We sent it per their request. 
On XXXX/XXXX/XXXX my counselor verified with XXXX at # XXXX that the paperwork was received and nothing new was needed. On XXXX/XXXX/XXXX my counselor called Selene to check on my request status and spoke with XXXX XXXX she was advised that the request was closed out because we did not send the bank statements per the letter request in XXXX XXXX. The requested bank statements were sent on XXXX/XXXX/XXXX. 
However, the XXXX XXXX was not statement, but a full month transaction history of the bank account because statements were n't available yet, which included my name and account number, the same as on the XXXX XXXX bank statements. We were told by XXXX XXXX that even though we were told all the information was received by Selene on XXXX/XXXX/XXXX that the transaction history was no acceptable. XXXX XXXX stated that Selene did not send out a letter stating the transaction history was not acceptable, but said that they made several unsuccessful attempts by phone only, to reach me. Since they call me for collection reasons all the time and I am working with a counselor I did not answer the calls. I thought they would send a letter if something was missing. The modification request was closed and we were told that we would need to resubmit everything because Selene does n't have competent people answering the phone who could have told us on XXXX/XXXX/XXXX that the transaction history was not acceptable. Had we been told that day we would have sent the statements as soon as I got them from the bank, which was the only reason I did n't have them to send on XXXX/XXXX/XXXX. There should have been more than enough time between XXXX/XXXX/XXXX and XXXX/XXXX/XXXX for someone at Selene to make a note stating the transaction history was not acceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Selene Finance LP
State: FL

Complaint narrative:
My finance co. Is trying ito make me pay an extra year of escrow. Selene Finance said they can charge what ever they want. I do n't recall that being within the terms of my contract agreement when I got my FHA loan. The extra they expect exceeds my income limitations. It will bring me extreme hardships.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-08 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: Amsher Collection Services, Inc.
State: FL

Complaint narrative:
XXXX continues to have collection agencies try to collect a debt that I do not owe. I have filed several complaints with protection agencies over the years, but XXXX continues to harass me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-15 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Used obscene/profane/abusive language
Company: ARC Management Group, LLC
State: TX

Complaint narrative:
XXXX XXXX was extremely disrespectful and manipulative toward me when I tried to explain to him very politely that the debt was not owed. XXXX works for ARC Management and had zero regard for me as a human with dignity. He treated me like I was the scum of the earth. I escalated the call to his supervisor who promised to review the call. There is no excuse for yelling at me and interrupting and refusing to listen. More flies with honey than vinegar. Oh, not to mention, the debt was invalid and should n't be collected.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-11 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Selene Finance LP
State: GA

Complaint narrative:
I submitted paperwork for a loan modification on my home. All paperwork was excepted. I was then told that all that was needed was my bank statements. I sent the statements four times on the fourth time I was told that the statements was excepted and that it would be added to my modification package. I received a letter from the company ( Salene Finance ) on XX/XX/XXXX that I had until XXXX XXXX, 2015 to have all paperwork in. I called Salene and was told the sale date ( XX/XX/XXXX ) was placed on hold because of my being in the modification.I called three times XX/XX/XXXX to check on the modification and was told that it was being reviewed or that it was in under writing. I received a letter on XX/XX/XXXX and was told by a foreclosure Attorney for Salene that the house was sold on XX/XX/XXXX. I have not heard from salene as to what happened with the modification. I am now being evicted from my home. the home was sold back to salene. 
I want to stay in my home I have been in this house for 9 years, I would like to have the modification that was promised to me. The have offered cash for keys XXXX and 30 days to move. I am XXXX and have no where else to go. 
.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC.
State: SC

Complaint narrative:
Having problems decreasing my monthly payments what human can pay {$800.00} once a month, also Dealing with my lender trouble with how payments are handled need information about my balance and terms, they call everyday sometimes more than once

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-18 00:00:00
Product: Payday loan — 
Issue: Received a loan I didn't apply for — 
Company: TENET HEALTHCARE CORPORATION
State: TX

Complaint narrative:
My name is XXXX XXXX XXXX, PH. XXXX XXXX XXXX XXXXXXXXXXXXThis company is charging me {$900.00} XXXX for medical services I did never use in 2014, I asked for proof, they do n't have any : Credit ItemsCENTRAL FINANCIAL CONTROLAddress : XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX FREE Account Number:XXXXOriginal Creditor : XXXX XXXX XXXX HOSPITALPlease help me heal my credit, this is affecting me and my finances.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-21 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
I co-signed for a private education student loan for my nephew in XX/XX/XXXX in the amount of {$9900.00}. I finally was able t re-pay the loan back XXXX ( plus interest ) totaling {$11000.00}. Recently, Navient Solutions XXXX XXXX XXXX XXXX sent me a bill for {$5500.00}. I immediately called Navient customer service to explain and was asked to submit proof to the claim department ( which I did XXXX. Several weeks later I received another invoice, I called again and asked to speak with a supervisor. But without resolve and being placed on hold for long periods of time as well as being transferred from customer service to claims to other supervisors was asked again by Navient to provide a payment history. I asked if they would do the same so I can compare it to what I 've sent over the years but have only been told they 're experiencing technical problems and my payment records are n't available. I 've faxed and mailed check dates, numbers and amounts but still no resolution. Under the Fair Credit Reporting Act, Navient is obligated to provide a detailed summary of all payments received by date and amount. As of today, they have not done so. What is my recourse? How can I get the protection I need to resolve this problem? I am a consumer and stuck in the vortex of a large federal organization who 's common practice is to provide unfair customer service to students, seniors and veterans. The customers services representative and supervisors are deceptive and change their names. I know I spoke to the same reps several times but they swear its not so ... What are my next steps? The more I call Navient, the more excuses I receive ... .If this is happening to me I know others experiencing the same frustrations. Navient is located at XXXX XXXX XXXX, XXXX PA XXXX. XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-25 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I recently received a letter in the mail stating that my business checking account ending in XXXX & XXXX and savings account ending in XXXX will be frozen within 80 days and closed within 95 days. Upon calling the bank and XXXX for bank of america i got no explanation on why my account is being closed.

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 2017-02-17 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I have made several attempts with Experian including sending them copies of the correspondences sent to the unauthorized company ( XXXX XXXX XXXX ) of which I have no contract with nor have I done business with them and they have never responded to any of my debt validation letters to verify validity of this alleged debt that they are stating that I owe and Experian is continuing to allow this unknown company ( XXXX XXXX XXXX ) to continue to report fraudulent invalid debt to my personal credit file without my consent hurting my credit and also communication with this 3rd party who I have no knowledge of ever owing a debt to or having a valid contract with nor have they proven to me that I owe a debt and they have the authority to collect a debt on behalf of some other alleged creditor and report negative items to my credit file. Experian and this alleged debt collector are both 3rd parties communicating with each other and Experian is sending this third party debt collector information that I am sending them without my consent. Even after the documented certified proof of the debt collectors failure to respond to the consumer to validate this debt, Experian still refuses to remove this unverified invalid account from my personal credit file because they are stating that XXXX XXXX XXXX is verifying my name, address, phone number, and S.S. # but not providing proof that they completed a true and correct real physical investigation regarding the validity of this debt and account. I have completed all of my Administrative Processes to get both Experian and XXXX XXXX XXXX to verify that this is a true lawful debt that I owe and they are both ignoring my correspondences as I am following the procedure provided to me by law to validate this alleged debt of which I can not get any feedback from XXXX XXXX XXXX proving that this is a valid and lawful debt that I owe and that they have the authority to collect on the behalf of the Original Creditor by producing to me a certified true and correct contract signed under penalty of perjury stating that I owe them or the original creditor any kind of debt.

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 2015-11-21 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
There is a judgment on my credit report that do not belong to me and I have disputed it directly with the credit bureaus and the court house and no one has seemed to provide me with XXXX legal validation that they are mine and I owe the money. There are no original creditors accounts on my credit report for this judgment and it is causing grave injury to my credit report and score. The judgment is as follows : XXXX County Special - XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-28 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have requested that this Bankruptcy be remove many times. This is not mines. Please see below. 


Reference Number XXXX Date Filed XX/XX/XXXX Date XX/XX/XXXX Status Dismissed Amount {$0.00} Classification Bankruptcy Responsibility Individual Asset Amount {$0.00} Contact Details GEORGIA FEDERAL COURT-XXXX XXXX XXXX, GA XXXX XXXX

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 2015-09-26 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
Experian refuses by trickery to investigate the accuracy of accounts, and largely denies consumers the opportunity to redispute information that is on the reports. In my case, which has happened for the past 8 years, Experian keeps merging information between myself, my brother, father, and grandfather because of similar names, in my case, they assigning my brothers accounts, their home addresses, and credit information to my report, and when actively disputing the accounts, they state that the wo n't correct the information, that it is verified. My name is XXXX XXXX XXXX, my relatives are XXXX. XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX, this is the first instance. 
The XXXX problem XXXX, auto credit, and security national between 2012 present sent me a IRS Form XXXX, debt forgiveness, which means that it was counted as income, not debt on my annual filings, Experian refuses to reinvestigate those facts, and cites repeated disputes, so based upon trickery, they are allowed to keep the item by refusing dispute capacity.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-05-26 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I XXXX asked Experian to update the phone number in my Fraud Alert in XXXX of 2014 and they did not do it. Both XXXX and XXXX XXXX did update the alert with my correct phone number ( XXXX ). Experian asks me to try their guessing game questions/answers of which they never match my actual data because I am a victim of Identity Theft. No one at Experian is able to help me. They ask me to re-upload, fax, mail etc. my ID and information to them. The info gets sent and they still do not update it. I am getting my credit denied for auto and housing because they do not have the correct telephone number in my fraud alert.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-02-27 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I submit a request through annualcreditreport.com, but Experian will never provide it. Instead I am asked to mail identification and a copy of a utility bill. This is a nuisance. Experian should provide the report to me free and online, as the other XXXX agencies never have a problem doing this through annualcreditreport.com. This happens every year with Experian.

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