vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-02-27 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Santander Consumer USA Holdings Inc.
State: FL

Complaint narrative:
I submitted a complaint with the XXXX XXXX XXXX on XX/XX/XXXX about a charged-off account that I was a joint owner on with Santander Consumer USA , Inc. The company responded on XX/XX/XXXX with a response and submitted documents that were sent out to inform of the defaulted loan in the amount of {$670.00} according to the document and the sale of the auto on XX/XX/XXXX. I was never informed of the default of the loan or sale of the vehicle at auction in writing. The documents Santander submitted all show an address that I have not resided at since XX/XX/XXXX. The documents also show that they were addressed to both owners instead of separately, which if done so the documents would have been forwarded to my address at that time and they were not. I lived at the address in XXXX, FL for 2 years ( XX/XX/XXXX-XX/XX/XXXX ) and did not receive any documents of delinquency. I discovered the charge-off of {$11000.00} by checking my credit report. The joint owner on the account recently passed away due to long standing health complications ( physical/mental ) from the military on XX/XX/XXXX. Still til this day of XX/XX/XXXX, I have not received one physical document in the mail from Santander about this account and my current mailing address is listed on the documents they submitted to the Better Business Bureau. This debt has caused me tremendous problems when it comes to obtaining credit elsewhere and also when looking for a home whether renting or qualifying for a mortgage, which have ended in denials.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: M&T BANK CORPORATION
State: MO

Complaint narrative:
Account opened early XXXX. My boyfriend put some of his paycheck into my account to save time from having to transfer it over to me. Bank froze my accounts and asked to go to a branch. I provided the requested identification documents, but the nearest branch is XXXX miles away. Bank has not responded since and when I called in, they stated the account was closed. I am unable to log into the account and have no idea where the funds are ( XXXX ) dollars. 

I want a check for the balance in my accounts and thats it, accounts can remain closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-28 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Renton Collections Inc.
State: WA

Complaint narrative:
In XX/XX/XXXX, I contacted Renton Collections Inc and made a {$75.00} payment on a {$350.00} collection balance. This debt was originally a medical bill from XXXX XXXX XXXX XXXX, Washington. After making that partial payment, the collection balance should have gone down to {$280.00}. 

On XX/XX/XXXX I contacted Renton Collections Inc., of XXXX, Washington. again to clarify my collection balance and pay off the correct balance in full. Their representative at that point verified my personal information and informed me that I had a balance of {$330.00}. I asked her why my balance isn't reflecting the partial payment I made in XX/XX/XXXX, and her response was that they are charging an interest rate on top of my original medical bill. 

I am submitting this complaint in reference to the Fair Debt Collection Practices Act, section 808, line 1, which states the following : 808. Unfair practices A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law. 

This means that, unless the original creditor, or to whom the debt is owed to, has already included in this debt any interest or fees, and/or has disclosed in an agreement creating the debt that interest is to be charged on any balance, it is against this law for any collection agency to collect interest on such debts. This even more applied to medical bills as hospitals do not charge interest for services provided!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-28 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Midwest Recovery Systems
State: TX

Complaint narrative:
Hello, My Name Is XXXX XXXX. I Am Trying To Clean Up My Credit. Ive A Collections Notice On My Credit Report From Emergency Physicians Of MI, Who Bought The Account From Midwest Recovery Systems For {$510.00}. 
I Called The Company Requesting For The Original Document and Was Told They Are Not Allowed Too Give It Or Mail Any Information. 

I Have No Knowledge Of This Account and Im Asking You To Remove It From My Credit! Thank You! XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-28 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Duncan Solutions, lnc.
State: VA

Complaint narrative:
XXXX XXXX XXXX, XXXX is using extremely harassing tactics to collect allegedly unpaid toll on behalf of XXXX XXXX XXXX. I opened a XXXX XXXX XXXX account shortly after those were instituted. I have a payment card on their file since that time. Last year, my bank account got hacked and I had to get it closed. For a few business days, the card on file was not working. I updated my payment information on the account soon after receiving the new debit card. Unfortunately, during this brief period, my card ran out of {$35.00} required balance. Their attempt to charge the card failed. Shortly after I received a delinquency letter from the above mention collection agency mentioning that I have unpaid tolls and I have to pay fine. They sent the case to a collection agency without asking for any explanation or attempt to collect from a customer who has a payment method on file. I contacted XXXX XXXX and informed them with my situation. I was told to contact the collection agency. The agency does not provide any website address, email address or fax number. So, I called them. They offered me a discount on fine. I asked what fine? I did not do anything wrong and by having a payment method on file I am showing that I do not want to avoid tolls. I offer them to charge my card on file for the amount equal to the charge for missed tolls. They refused and gave me an option to challenge. Challenge can only be done via mail. I mailed the challenge. Later on, I got the letter mentioning that they could not process my petition because they do not have the necessary documentation. So, I printed my record from XXXX XXXX XXXX website and mailed them. I was waiting for a decision. In the meantime, I got another letter asking for payment, as if there was no challenge in the process at all. I request you to please, stop this harassment, as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-28 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Southwest Credit Systems, L.P.
State: KY

Complaint narrative:
Received a call from creditor in XXXX about collection informed them that this was the 3rd collection agency i have heard from creditor claimed they we're disputing with original creditor shows up on credit report call them they thought it was a joke and claimed i was only able to file a dispute by mail then hung up

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-28 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
In the fall of XX/XX/XXXX we obtained a commercial bank loan from Chase. The loan officer we worked with was very aggressive with the interest rate in order to get our business. 

In XX/XX/XXXX Chase attempted to call the loan on the basis of an " ownership change '' made by the lessee of the property. Despite having been informed of the name change of the lessee as required by the terms of our loan, Chase remained very persistent until they were informed that the name change of the corporation did not constitute a change in ownership. 

On XX/XX/XXXX we received a default notice from Chase on the assertion that we had not provided requested company tax documents. Chase was using the old corporate name of the lessee as the basis for the default despite knowing that the name of the corporation had been changed. They claim there were The Borrower has made timely payments on the guaranteed loan, so there is no current or past issue with either the loan ; and there is no basis for questioning the Guaranty. To be clear, the LLC holding the building and the lessee ( corporation ) stand ready to abide by all of the terms of its XX/XX/XXXX Guaranty. 

Chase entered into this loan willingly at the current rate. They have now made two attempts to try to force a default in order to raise the interest rate at the prevailing rate.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-28 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: Caliber Home Loans, Inc.
State: AZ

Complaint narrative:
I initially contacted XXXX XXXX ( XXXX ) on XX/XX/XXXX about securing lending for a new home purchase. This was on recommendation from my real estate agent XXXX XXXX ( Sears ). XXXX had contacted XXXX and explained what the builder 's lender XXXX XXXX  was offering and asked XXXX if they could meet or beat the deal. XXXX assured both XXXX and I that the interest rate and credits would be matched and that I had no worries going forward. XXXX then contacted me by phone and said that in order to make the deal work for her upper management that she needed a " good faith '' deposit to lock in the deal. She assured me that the money would be applied to the loan at closing and that if Caliber could not fulfill their promises with regards to the credit and rates then the money would be refunded. I asked her several times about this through the loan process both in person and over the phone. She was even bold enough to state " don't worry about what any of the disclosures state, what I tell you is what matters ''. Therefore, I did everything she said and signed everything she told me to. I paid my " good faith '' deposit of {$1900.00} on XX/XX/XXXX. On XX/XX/XXXX I was contacted by XXXX because we were within 30 days of closing. This was the first time she told me that she was not going to be able to match the rate she promised. After a week and a half of emails going back in forth XXXX finally admitted that she was not going to follow through with her promises and could not match the rates or credits from XXXX. She even made me re qualify through XXXX hoping that I would not meet their requirements ( but I did ). After realizing she wasn't going to be able to scam her way through the end of the loan, she told me that she was too " emotional to help me ''. She then referred me to her boss XXXX XXXX ( XXXX ). XXXX did his best to try and repair the broken deal but still could not meet the rates offered by XXXX. XXXX also refused to document our phone conversations and only would discuss rates, or deposits over the phone. I realized why he did this when I asked to end my relationship with XXXX and have my " good faith '' deposit returned. It was at this point that XXXX told me the deposit was nonrefundable and they would not return the money. When I asked XXXX why he told me that the money was a " lock rate fee '' and therefore nonrefundable. When I explained that this was not the agreement I had with XXXX when the money was paid, he told me I should have gotten everything in writing. XXXX misrepresented herself and Caliber in order to benefit both financially and with her career. That in itself is the true definition of fraud. I am not seeking any financial gain from XXXX or Caliber. I just simply want the {$1900.00} I paid in good faith to be returned to me as it should be.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-28 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Midwest Recovery Systems
State: TX

Complaint narrative:
Hello, My Name Is XXXX XXXX. I Am Trying To Clean Up My Credit. Ive A Collections Notice On My Credit Report From XXXX XXXX  Of MI, Who Bought The Account From Midwest Recovery Systems For {$510.00}. 
I Called The Company Requesting For The Original Document and Was Told They Are Not Allowed Too Give It Or Mail Any Information. 

I Have No Knowledge Of This Account and Im Asking You To Remove It From My Credit! Thank You! XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Financial Credit Service, Inc.
State: TX

Complaint narrative:
I was contacted on the morning of XX/XX/XXXX about an erroneous debt that ARA said that I owed ; the name of the person that talked with me was XXXX XXXX. ARA alleges that I opened a credit card account in XX/XX/XXXX and that I made payments until XX/XX/XXXX. They further allege that I then stopped making payments. They have the wrong person. Today, XX/XX/XXXX, I received a letter from XXXX XXXX of ARA including an affidavit of assignment of a debt to ARA. The letter instructs me to make a payment by tomorrow, XX/XX/XXXX, for a partial sum of {$2300.00} on the owed balance, or else I owe the full amount of {$17000.00}. Again. They have the wrong person and provided no further details around this alleged debt owed by me. I did not open this account almost 40 years ago. I have never seen any adverse reports on my credit history that would reflect this type of default, and I remain in good credit standing. I deny that I am the debtor that ARA are looking for. It would have been impossible for me to maintain my military security clearance for the 22 years that I spent on XXXX XXXX, which includes the time of the alleged debt default of XX/XX/XXXX. The unprofessionalism from ARA is concerning. They asked me lots of personal questions and I felt pressured by them. Isn't there some statute of limitations that applies to this type of harassment? In their letter they state that if I settle the debt, they won't report any derogatory information to the credit bureaus. Isn't that illegal in this case? This is causing me great stress. 

I just don't know what my options are here.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
In XX/XX/2107 Mr. Cooper conducted an escrow analysis and stated that I had a surplus of about {$3500.00} and would not dispense the surplus because the account was under a disaster forebearence. Six months later, the conducted another analysis and claimed that I was short and sent a check in the amount of {$2300.00}. They applied the check to the principal instead of the escrow. I have called mutiple times to resolved the issues and they have not resolved. They are now saying they will reverse the {$2300.00} to the escrow account. However, they escrow surplus was applied, yet they are not desmonstrate where the {$3500.00} was applied, either to the principal or the escrow account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
had a car loan with bank of america in which was paid off XX/XX/XXXX but showing XXXX owed and in chage off with all three credit reporting agencies. i have sent pay off letter from the bank Nd the title of the car i re ie ed from the bank. but they will not remove it from my credit report. the will not let me redispute it also

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 2019-02-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Yes cuz somebody of open discount when they were in XXXX I was in XXXX XXXX XXXX XXXX XXXX so somebody had my ID and identity fraud on for that account the date it was opened

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 2019-02-28 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: CNG FINANCIAL CORPORATION
State: CA

Complaint narrative:
I received a call from XXXX XXXX around XXXX XXXX, contacted them back to hear they are a 3rd party attempting to collect for XXXX XXXX XXXX. They stated I need to contact XXXX XXXX XXXX corporate office and speak to head person in legal. Contacted XXXX XXXX XXXX local office and corporate office they indicated they given my account to collection and sent to another company not XXXX XXXX. I contacted XXXX XXXX to verify who has my case as I was inform I might be dealing with fraud. Spoke with director of United about issue, he requested personal info I stated I will give any, he then began to call me stupid, and became irate. I informed him that I have already had issues with ID theft and have active investigations into that, gentleman called me a bum and hung. A few hours later I received I received call from same gentleman this time his personal phone number left voicemail stating, '' my case is being processed, and that I am a liar, and a psycho to not contact that office again as I did not follow the chain of title and not very smart.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
If a bank can change its fees at any time, without its customers knowledge or consent, then a bank is free to take as much money as it wishes out of its customers accounts at any time. Thats how Bank of America took {$170.00} from me. 

I have a checking account with Bank of America. I was told that there would be no fees in this account as long as there was a balance of {$2000.00}. In XX/XX/XXXX, I withdrew some funds, leaving about {$2100.00}. I made no further withdrawals until XX/XX/XXXX. For years, I had been charged no fees. Starting in XX/XX/XXXX,  Bank of America began charging me {$25.00} every month. They made this change without notifying me, and therefore without my knowledge or consent. If I had known, I would have acted to avoid these charges, probably by closing the account. I do not receive paper statements. Since I wrote no checks during XX/XX/XXXX, and I had no reason to believe that Bank of America would start taking my money without informing me, I saw no reason to look at bank statements online. As a result, I did not find out that they had taken my money until I went online on XX/XX/XXXX. By that time, Bank of America had removed {$170.00} from my account. I called Bank of America that day. In that call, the operator confirmed that Bank of America had not informed me that they would suddenly start charging fees, and she had no explanation of why the alleged fees changed in XX/XX/XXXX, but she refused to pay the money back. 

I was told that Bank of America would investigate, and I should wait for a letter with the results. The letter says no bank error occurred when assessing the Advantage Monthly Maintenance Fee on XX/XX/XXXX through XX/XX/XXXX. The letter does not even attempt to explain why there had been no monthly fee in the months before XX/XX/XXXX, or why I was not informed that this would change starting on XX/XX/XXXX. In other words, they asserted without any evidence or explanation that they were right, and refused to examine the problem. I then closed the 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 monetary relief
Consumer complaint received 2019-02-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
had a car loan with XXXX XXXX XXXX in which was paid off XX/XX/2017 but showing XXXX owed and in chage off with all three credit reporting agencies. i have sent pay off letter from the bank Nd the title of the car i re ie ed from the bank. but they will not remove it from my credit report. the will not let me redispute it also

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
had a car loan with XXXX XXXX XXXX in which was paid off XX/XX/2017 but showing XXXX owed and in chage off with all three credit reporting agencies. i have sent pay off letter from the bank Nd the title of the car i re ie ed from the bank. but they will not remove it from my credit report. the will not let me redispute it also

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 2019-02-28 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AVANTE
State: FL

Complaint narrative:
I have an account reporting on my credit that is not mines. I have never used these services before nor have I giving anyone else permission on my behalf. The information stated in the account is bogus and has no relation to me.

Company response to consumer: Closed with explanation