vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-03-20 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Attempted to/Collected exempt funds
Company: Weber & Olcese, PLC
State: MI

Complaint narrative:
I am a single mother of XXXX children, who works part time XXXX hrs per week, XXXX of my children have XXXX and receive SSI XXXX benifets from Social Security. This company garnished my checking account which was from my children 's benefits which was being used for them and to pay bills. They garnished {$2200.00}. On XX/XX/2017

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-01 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: CIBC BANK USA
State: IL

Complaint narrative:
I am trying to get a home loan with Private Bank and working with XXXX XXXX since the XXXX to lock in my loan. She has been very unproffesional and my loan amount and closing cost have changed over XXXX times. I orginially was receiving a state sponsored grant and was waiting the extra 30 days to process this grant. However, XXXX was n't aware of the techniqualities of the grant so a week before closing she told me I was n't able to receive the grant and had to rework my loan. Fast forward to closing, 20 minutes before closing XXXX sends me an email stating that I have too many credits and I need to bring an extra amount to the closing. I called, emailed and received no response. You would think XXXX knew this once the HUD statement was released or by her using her 20+ years as a mortgage lender ( she tauted this many times ) she would have known the laws and understand before 20 minutes of the closing that my loan was incorrect. My realtor called her to try to settle it and they exchanged unpleasant words. I received an email from XXXX an hour later stating that because she got into with my realtor she is quitting my loan. At this point I have no idea when I am closing, my things are packed and I am being kicked out of my apartment. The Private Bank has n't returned my emails and I am in the dark. I do n't know what to do, so I am sending this message in hopes that someone can help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-28 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Sherloq Group, Inc
State: FL

Complaint narrative:
I have disputed these accounts with Merchants Association Collection ( see attached letter ). To date, this collection agency is yet to provide me substantial documentation to support my owing them. I have requested copies of all documents sent to me regarding these accounts as well as papers that show I agreed to pay them what they say I owe and that the documents bear my original signature. I have never heard of this company. This erroneous, inaccurate, unverifiable account must be removed from my reports immediately.

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
Consumer complaint received 2017-01-07 00:00:00
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: Rosebud Economic Development Corporation
State: MN

Complaint narrative:
I actually knew the amount of the interest, but according to the Attorney General in Minnesota. The Lender 's I borrowed from are not licensed to do business in Minnesota. They are also not allowed to charge more than 33 percent annual interest plus a {$25.00} fee. I am currently paying for one at XXXX. 648.96 percent, and XXXX, a XXXX 414.77 percent. According to the Attorney General many lenders who do business over the internet or across state lines have claimed that they are not subject to state laws because they are tribally-owned companies. I also had a loan with Zoca in the South Dakota which had a high rate, but fortunately I was connected to a non-profit organization to pay them off with no annual interest fee. It was suggested by the Attorney General I contact the Federal Trade Commission who 's website directed me to contact you.

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 2016-04-08 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: FORD MOTOR CREDIT CO.
State: AL

Complaint narrative:
My vehicle was financed through Volvo Car Finance. I made my payments for several years through their website, Volvocarfinance.com. The website was shutdown. I have not received any communications whatsoever and did not know where to make my payments. I called Volvo Finance and they had no record of my account. After two full days of phone calls and research, I found that my vehicle was actually financed through XXXX. I was then able to make a payment through their phone line. I made my last payment in XXXX and found that I have {$3600.00} remaining. This is for interest due to a period of time when I was late making payments due to hardship. I called yesterday to question this and was told when I was late making my payment, the payment went to interest only and no principle. I was also told I will be charged XXXX per day until this amount is paid off. The gentleman I spoke with was extremely rude. My car was financed for 7 years at {$750.00} per month which was XXXX on my part. I am upset because I was not told when getting extensions, late paying, etc., that I was not paying any principle. I always paid amount due when making payments. If, I had known their practices, I would have tried to pay a little extra every month to cover amount added to my loan. I really do feel like I was deceived. This company has not contacted me at all ... Not through the mail, email, or phone calls. I have tracked them down. I asked the gentleman yesterday to send me a statement and an amortization schedule. I do not even know where to send a payment. The automated phone system is for monthly payments and tells me there is no amount due. The amount of {$3600.00} seems excessive to me for being late on some payments. I was also deceived by not knowing what company my vehicle was financed through. Although, there was a period of time during the 7 year loan I was late paying, I got through that time and have been making regular payments, and paid the car off on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-11 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: FL

Complaint narrative:
On XX/XX/XXXX, 2016 PennyMac was denied in a motion to served in or transfer the alleged debt, in violation of the FCRA, FDCPA and FTC. 
In violation of United States Constitution, then wish I do not owe any think. They are about to submit fraudulent documentation to United States Bankruptcy Court case # XXXX. 
Sincerely / XXXX/.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19 00:00:00
Product: Credit card — 
Issue: Other — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
I made application with Bank of America for a credit card on XXXX.I have a fraud alert in my account and called the bank at XXXX XXXX at XXXX XXXX XXXX to confirm that they had not called me at the XXXX XXXX XXXX number on my account to continue the application. the line is a land line number.I was also given another number to call XXXXwhich I called on XXXX XXXX at XXXX XXXX and XXXX. I was told that I needed to call thebank from the phone number. I was having problems with my internet connection ( my land line works via the internet and I was able to recieve calls via voice mail but I was unable to make any calls..I also called another number that was provided to me XXXX XXXX XXXX at XXXX on XXXX XXXX and XXXX on XXXX XXXX. On the XXXX I made the change with the credit bureaus to list my cell number of XXXX XXXX XXXX on my credit reports since it was going to take several days to get the land line connection fixed. 
on XXXX XXXX I was told by Bank of America that the credit card was approved. I WAS NOT told that they had run XXXX credit reports. I WAS VERY CLEAR that only XXXX credit report ( hard hit ) was to be pulled.Now on my credit reports it is showing Bank of America made XXXX hard hit inquirys on my credie report on XXXX XXXX and XXXX to XXXX and XXXX on XXXX XXXX to XXXX. This is so wrong! my credit score is excellent with all XXXX bureaus and making application for a credit card should not require XXXX hard hit inquirys. To be penalized because I have a fraud alert with the credit bureaus is wrong!. I spoke with a representative from Bank of Ameical yesterday ( XXXX ) she told me I authorized the additional inquiry and it would not be removed. I told her that was not true and the XXXX additional inquirys needed to be removed. I told her I wanted the record to state that I did not authorize the additional inquirys. she told me she would not add this to the file. This si so wrong. Bank of America has done this in the past. They are very casual when it comes to making hard hits on peoples credit reports. I was very clear that no additional hard hits were allowed. They record their messages and should backtrack on the conversations I had. The hard hits will lower my score and this in turn will affect what I pay on the XXXX insurance policys I have. I want the XXXX hard hits removed or to be reimbursed for the increases that I will oncure with my insurance going up.

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 2015-10-14 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH

Complaint narrative:
I previously complained about bank of america about the reporting on my discharged accounts during and after my bankruptcy.They agreed to remove the negative remarks they were showing that were in addition to the bankruptcy notation.Now once again they have added those remarks back.They have my account marked as discharged in bankruptcy, but then under history through XXXX they say ( late 90 plus days ) 1 time in the month of discharge.Then under ( worst delinquency ) collection.No discharged loan can ever be late or be in collection by federal law.Also they previously agreed to remove these marks on other complaints

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed
Consumer complaint received 2017-02-14 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
I used to have a Bank of America credit card. I missed payments on it consecutively for 4 months. I have n't got a notification from a bank or anything during this period. The amount I owed to the bank was less than {$20.00} bucks. It was a $ XXXX limit card. I thought I cleared it all and did not bother to check it or open my account. I have a saving account with the bank and checking account too ( combined account with my husband ). So whenever I check I opened using my husband 's online account. My credit card does not show up in his account. My credit score used to be around {XXXX}. With this Incident it dropped back to {XXXX}. For the sake of {$20.00} bucks. I tried taking to the bank with no use and my credit score is still affected after I paid the {$20.00} back to the bank.

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 2017-02-06 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
This is debt belong to my son XXXX XXXX who passed away on XX/XX/2016. The Bank of America used the collector agency XXXX XXXX, XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX. Tel XXXX. In the amount of {$890.00} Ref # XXXX. Turned over this debt to my name, who is the father. 
My name is XXXX XXXX. I do not have anything to do with this debt or any knowledge at all. I Do Not co signed anything on this debt. I already sent out his original death certificate to Bank of America notified, verified after his death. XXXX XXXX sent me Certified letter that the debt {$890.00} was once belonged to XXXX XXXX now is be under my name XXXX XXXX. Why is that? 
Do I have responsibility to all my kid ' s XXXX Till I died too? 
Sorry to say, I have been paying his life insurance all this time, did not know I paid for nothing because he was over XXXX years old. 
Now for this I did nothing, 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 2017-01-16 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC
State: ID

Complaint narrative:
Nationstar Mortgage is the servicer of my home loan.I have been unable to get any information or answers from at least four loan specialists.I want to know 1 ) Who owns my loan-XXXX is the Trustee and they just had a $ XXXX judgment in favor of the American consumers.I may be eligible for some of that.2 ) The specialists also have not given me any alternatives for when my modification ends in XX/XX/XXXX.I have sent them six communications with all pertinent information and so far all they say is that I will be paying $ XXXX/month starting XX/XX/XXXX.This is totally unaffordable and this is my primary residence.Can you get someone at Nationstar to help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-23 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: STERLING JEWELERS, INC.
State: KS

Complaint narrative:
I had an account with Kay Jewelers and it was discharged through chapter XXXX bankruptcy in XXXX XXXX. On my XXXX dispute it continues to show a late payment for every month starting XXXX XXXX - XXXX XXXX. This is completely inaccurate considering I was in active bankruptcy from XXXX XXXX - XXXX XXXX. I have disputed these late payments with XXXX and the creditor both with no resolution so I am now submitting a complaint with your office.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-08 00:00:00
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: Hollis Cobb Associates
State: GA

Complaint narrative:
I was in an accident XX/XX/2016. I reported to the emergency room with no medical coverage. I made the hospital aware that I had automobile coverage for claim. I also made the hospital aware I was in a hardship due to this accident. I am XXXX and unable to work. However, I have been contacted several times in regards to a bill for {$310.00}. I recently, was contacted with additional bills that were not related to such matters mentioned. Nevertheless, I have proof of hardship. I do not believe I should be responsible of bill or bills no limited to the accusations against me and my credit. Included is a copy of my hardship from XXXX as well as addresses involved to this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-02-03 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I have an AMEX Platinum Card, which had a promotion for opening the card and using {$3000.00}. The promotion was XXXX AMEX Membership Rewards points. 

I got the card, used it and spent the {$3000.00}, and the promotional points are listed on my account. 

Now I try to use the points with an AMEX airline partner, and they halt the transfer stating that my points are " under review ''. 

Initially, they told me that the review can take 6-8 weeks, so I should try again after 8 weeks. I tried again and again, each time they gave me new timeframes, but now it 's almost 12 weeks and they still say it is under review. I called them today and now they are saying that they can not know how long that 'll take since it depends on in their " corporate office '', and the complaint they opened about it with the corporate office was closed with no explanation or answer!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-12 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: The Thomas Agency, Inc.
State: ME

Complaint narrative:
I have medical insurance with XXXX.I have excellent credit numbers.This is the first I have heard of this bill and it 's from XX/XX/2016.Not very fair.I have never even seen a paper bill from this.I had my medical bills from XXXX.It was XXXX I need paper verification as to why I owe this bill from Thomas Agency .

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Caliber Home Loans, Inc.
State: WA

Complaint narrative:
My mortgage was originally held by XXXX. In XX/XX/XXXX they sold my loan to Caliber Home Loans ( CHL ). On XX/XX/XXXX I received a call from a CHL representative XXXX employee ID # XXXX stating at that time my account had a credit of {$820.00} making the amount due for XX/XX/XXXX {$660.00}, which I paid during our conversation. Since that time to present my account has not been correct. I have made my monthly payments via phone each month paying the amount the representative showed owing on my account at the time including occasional late fees. I started receiving Pre-Foreclosure Notices, the first dated XX/XX/XXXX, sometimes multiple copies of the same correspondence on the same date. At one point the representative I was speaking with told me, when I asked to speak to a supervisor, that none were available, however ; I could speak to someone in a lower position than him or " hold for thirteen hours '' to speak with someone with authority enough to correct my account. Being fearful of loosing my home, and unable to get a clear answer from CHL regarding the actual amount due, I started the Loss Mitigation process on the advice of the representative. 
After receiving the application I completed all sections, attached the documentation requested, faxed and emailed the packet to CHL on XX/XX/XXXX. This information was requested again numerous times which I both emailed and faxed on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX with additional documents requested sent on XX/XX/XXXX and XX/XX/XXXX. Today, XX/XX/XXXX I received notice that the Loss Mitigation was denied due to the documents requested not being provided. Although on XXXX XXXX, XXXX XXXX, employee ID # XXXX, stated CHL had everything they needed, underwriting had the packet and would have a decision within thirty ( 30 ) days. He also suggested that I phone once a week for a status update. 
It has also been brought to my attention that the last half of my XX/XX/XXXX Real Estate taxes due on XX/XX/XXXX were not paid on time and have accrued interest and penalties.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-30 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: VW Credit
State: VA

Complaint narrative:
Earlier this year I had fallen behind on my lease payments with VW Credit. As of XX/XX/XXXX the total balance on my bill that I had owed them was XXXX. I made a payment of {$700.00} on XX/XX/XXXX. I made another {$700.00} payment on XX/XX/XXXX. My statement due for XX/XX/XXXX showed I had a remaining {$690.00} to pay. I paid the full amount on XXXX. My XX/XX/XXXX statement showed I had a XXXX balance and my next payment was due XX/XX/XXXX which would be XXXX. Today I checked my account and it is showing that I now owe {$860.00}. The additional money they are tacking on is {$210.00} personal property tax and a late charge of XXXX. I do n't know how I could have a late fee due or a personal property tax amount due if I had paid in full and my account was showing a XXXX balance due for XX/XX/XXXX. I do n't believe VW credit is being honest with me on this.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-01 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: Franklin Collection Service, Inc.
State: CA

Complaint narrative:
I never received a single bill or notice of collection from Franklin Collection Services. I learned of it when I got a negative credit report notification. When I saw the collection on my credit report (the first I had heard of this bill, and in the middle of buying a house), i called them to inquire re: what company I owed money to. They told me it was XXXX. I then said thanks, I will contact them directly to sort out the situation, to which the woman on the phone said, "they won't talk to you about this bill. The only way to get this to go away is to pay us." To which I said, "well, I can't have this show up on my credit report because I'm in the middle of buying a house." She continued to reiterate that I had no choice but to pay them if I wanted to be able to close escrow on my house and that the company I owed money to wouldn't talk to me. This collection company had XXXX phone numbers listed on my account and according to the representative, they had been calling the primary number for the past month. I don't know where they got that phone number, because it is my parents' phone number, and I never give that number as a point of contact because calls there will not reach me. There is absolutely no record of this company trying to call the primary phone number she claims. They left XXXX voicemails. She admitted that they never even tried calling the XXXX number they had on file, which is my correct personal phone number. I hung up with Franklin Collection and called XXXX anyway. The whole situation is made even more ridiculous because I have a current account with XXXX, associated with my same name, telephone number, and Social Security number as the past account. In addition, I have been physically in the XXXX store, talking to an associate about my current account, multiple times during the past XXXX. I have also gotten multiple emails from XXXX regarding my current account. It is hard for me to believe that they could not contact me about this bill in any fashion other than sending a piece of paper to a very old address and then sending me on to a collection company. XXXX apologized about the situation and for not contacting me about the bill. I paid the amount owed (all of this for only $XXXX!) and they promised to contact the collection company to have them remove this from my credit report. The collection account was not in fact removed, and still shows up on my report.

Company response to consumer: Closed with explanation