vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-04-04 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: LoanHero, Inc
State: IN

Complaint narrative:
A company that referred to themselves as   XXXX   XXXX   XXXX   illegally created an   XXXX    account in my name and illegally opened a loan through a separate company LoanHero in my name without my consent.  
 When I attempted to log into my  XXXX  account I had trouble so I contacted FSA by phone. I was informed by  XXXX  that an  XXXX  account was created in my nam e in   XXXX  2017 .  I never created this account. When I told  XXXX  I did not create an account they asked me if I was involved with a scam related to student loans.  XXXX  also informed me it is illegal for someone to create an  XXXX  account under another person 's name. I was advised to stop all contact and transactions being made with  XXXX  's company.  
 When looking at my credit and all my loans and found I have a new loan opened with LoanHero. I was not aware a loan was made in my name through LoanHero. I contacted the Department of Education and  Student Loan su pport regarding the creation of an   XXXX    account in my name without my knowledge and the creation of a new loan. I was informed again that this is illegal. Also I was informed many fraud companies place the name of real companies on their documents and paperwork to scam people.  XXXX  told me he is associated with  XXXX . I contacted  XXXX  and was told that scamming companies use their name frequently and if an   XXXX   account was created in my name without my knowledge then it was illegal.  
 I canceled my the consolidation and when I went to cancel the miscellaneous loan through theses companies they refused. They also stated " it would n't affect my credit '' which was an additional red flag. I contacted the Department of Education again today and they stated they have had other student run into scams  with Loan Hero and again confirmed all of the statements mentioned previously.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-04-08 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: FIRSTBANK
State: CO

Complaint narrative:
On  XXXX   XXXX ,  2017 an em ploye e of First B ank sent an email to  my Home Owner 's Association 's board of director 's   email distribution list. He attached an unprotected .pdf file of paper work I had filed as part of the loan application including bank statements,  XXXX  and pay stubs. My full name, address, social security number, bank account numbers, user name and email address were published. This is a clear violation o f Public Disclosure of Private Facts   tort. First B ank 's response has been paltry. I had to find out on my own that I could register for 90 days of fraud protection from the  XXXX  credit bureaus. I have been offered one year of identity theft protection.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-10 00:00:00
Product: Prepaid card — General purpose card
Issue: Fraud or scam — 
Company: U.S. BANCORP
State: CT

Complaint narrative:
On XX/XX/XXXX 2017, I purchased a US Bank Prepaid Mastercard from XXXX in XXXX, CT. I loaded {$500.00} on the card at checkout. On XX/XX/XXXX, i went to check the balance on the card and the transaction history showed the card had been used in Texas at a XXXX and a XXXX. The entire balance had been drained from the card. I contacted US Bank at the number on the back of the prepaid card and was told to fax in certain information, which I did. A copy of that fax is attached. After hearing nothing for approximately a week, i called back. I was told that they had received my fax, and that the Disputes department had determined that the charges were fraudulent, and that i could speak with the Disputes department if I wanted more inforamtion. I waited on-hold with the Disputes department for approximately 45-minutes. On that call and subsequent calls I left a total of 3 messages on the Disputes department voice mail. None of those calls has been returned, even though they say they will contact you within 48-hours. On my fourth call, the frontline CSR told me they they had to wait for the retailers to do a chargeback, and they had until XX/XX/XXXX for that to happen, but that she could send me the replacement card now, and US Bank could load money to that card when they were finished with their process. I received the card with apprximately {$20.00} on it. XX/XX/XXXX came and went, and no further money has been loaded to the card. I have now been without the money I funded to the card for over a month. I called again after XX/XX/XXXX and was again directed to the Disputes department where i left my final message. Once again I received no phone call nor other response to that message.

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 2017-04-02 00:00:00
Product: Debt collection — Auto
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: National Commercial Services, Inc
State: AR

Complaint narrative:
My daughter had an accident a small finder bender, in XXXX XXXX the police got a report. Later the driver sent a letters of harrassment on his back, neck, missing days and the list goes on and on. It was turned over to XXXX ... I PAID THEM ... it was closed ... Later get letter from XXXX debt for XXXX ... REALLY ... for the amount I PAID XXXX 1000.00. NOW this company is harrassing for XXXX really ... ALL THIS CALLING, RUDENESS. THIS COMPANY HAS COMPLAINTS, COMPLAINTS ... I AM BEING DRAINED

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-19 00:00:00
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: SUISSE BANCORP
State: IL

Complaint narrative:
I just received a summons to appear in court by Suisse Bancorp, they taking me to court on a loan XXXX XXXX, and XXXX XXXX, total is XXXX. Now i get a summons that i owe XXXX, I thought my lawyer use the money on my second accident to pay them, i did n't receive no letter from Suisse Bancorp until yesterday on summons.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-10 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: Navient Solutions, LLC.
State: LA

Complaint narrative:
I was going through financial hardships at the time Navient had the account now that the debt collector have the accounts they are frequently calling asking for a settlement payoff or big down payment then monthly payment which I do n't have.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-10 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
Chase bank closed one of my accounts suddenly. I had deposited checks in the account which has cleared before they closed the account. I have called numerous times and get the response that it was closed due to them flagging it as fraudulent. I was to meet two terms to be able have the funds released. I met both but yet over a month later no funds have been returned. They closed the account on XXXX. I have a statement showing money that has been withdrawn out of the account. they state they need to verify one more check before releasing funds. I am assuming over a whole month is enough time to ensure the check is good. The Checks were signed over from my father who also verified with the bank that it was no fraudulent that he had given me the checks as a b day gift and to help pay my car payment.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-04-10 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Equitable Acceptance Corp
State: CA

Complaint narrative:
I DONT UNDERSTAND HOW THIS COMPANY EQUITABLE ACCEPTANCE CAN TAKE MONEY FROM MY HUSBAND I DONT UNDERSTAND WHO THEY ARE THE WAY THEY EXPLAINED IT WAS WE PAY THEM TO LOWER OUR BILLS. HOW IS THAT IF WE OWN THEM ( WITH INTEREST ), SO I GOT TIRED OF PAYING THEM ALL THE INTEREST SO I PAYED THEM OFF WITH MY CREDIT CARD, NOW THEY SAY WE OWN A COMPANY CALLED STUDENT DEBT SERVICE?? WHO IS THIS?? NO ONE SAID ANYTHING ABOUT THIS COMPANY!! WE WHERE UNDER THE IMPRESSION THAT WE WOULD GO THROUGH XXXX. SO WE FEEL NOW THAT WE ARE BEING TOSSED AROUND TO SEVERAL COMPANIES WE DONT KNOW IF THIS IS AN HONEST COMPANY OR NOT BUT ACCORDING TO THERE WEBSITE THEY ARE NOT TO BE TRUSTED PLEASE HELP!!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-28 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: BB&T CORPORATION
State: NC

Complaint narrative:
Receiving repeated calls from the collector for a person that does not reside at my residence. We do not know the person. They have been told this numerous times now yet they keep calling, sometimes twice a day.

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 2017-02-08 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: MLB Residential Lending, LLC
State: DE

Complaint narrative:
Submitted a mortgage loan application with MLB Residential Lending , LLC for a refinance mid XX/XX/XXXX. Went through all processing stages and received a clear to close from the lender and their closing attorney on XX/XX/XXXX. The loan was scheduled with the title company for settlement XX/XX/XXXX at XXXX XXXX. The day prior to settlement, XX/XX/XXXX, I received a phone call from my loan officer that the underwriter stated that the loan can not close as currently structured due to investor guidelines and we have to restructure the loan as a purchase transaction. Over the next 3 weeks I submitted additional documentation requested by the lender and received my new disclosure package on XX/XX/XXXX at XXXX XXXX. I re-signed the new disclosure package and printed 6 documents and physically signed and faxed back to the lender, per instructions provided by lender and loan officer. Prior to the close of business that same day, I received an email stating that my loan status has changed to statement of denial and instructed me to contact the loan officer with any concerns and/or questions. After further review, my loan was denied due to incompleteness. I inquired with my loan officer and he disclosed that he was no longer employed by MLB Residential Lending , LLC and instructed me to contact them directly moving forward. I called the lender and left a voicemail message. My call was not returned. I then followed up with an email inquiring about the denial and I received an email back stating that the loan was denied due to the sales contract not being complete. I have sent several emails asking why I was not given an opportunity to fix and/or provide additional information to complete the sales contract. To date, I have not received an answer from MLB Residential Lending , LLC giving me a reason why.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-30 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: NRA Group, LLC
State: NY

Complaint narrative:
RE : NRA LLC and XXXX - At XXXX on XX/XX/XXXX I received a call from an unknown number - Caller stated my name and asked me to verify ( no other information was provided by caller ) - I confirmed my name - Caller then stated last XXXX digits of my social security #. I declined and asked him what this was regarding. He told me he was calling from NRA LLC but refused ( despite my question ) to tell me what NRA LLC was. Caller said he would not tell me if I would not confirm my social security and hung up. 
- I was deeply disturbed by this and I assumed this was an attempt to steal information for identity theft. 
- I called back and the same caller answered. I asked what his company did and he replied, " I just talked to you, '' and hung up again. I called 3 more times and the call was deliberately rejected each time. 
- On the fourth attempt a woman answered who this time took the time to explain this was a {$24.00} debt (! ) that I was not even aware of and actually explained what the call was about.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-15 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: CNG HOLDINGS INC
State: PA

Complaint narrative:
Almost every day, I receive calls from Why Not  Lease  It on average of  XXXX  calls a day, every day. I currently have the number blocked so it stops ringing my number. While I do owe a   XXXX   XXXX   XXXX   on this loan, this has gone far beyond harassing. I have counted this many calls  XXXX  in a day 's time for weeks now. I have the phone log records from  XXXX  to show this and back my claim which are included for the days going back to JUST the  XXXX .

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-03-29 00:00:00
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: Suttell, Hammer & White, P.S
State: WA

Complaint narrative:
I paid my debt and when i was getting the amount i was offered a lesser amount to pay and i took the offer and paid and was told that my debt was now paid in full. The company later told me it was not paid in full. This is not right and falls under fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-09 00:00:00
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: Mortgage Professionals of Sun Valley, Incorporated
State: ID

Complaint narrative:
I called my bank, and was referred to an outsider, XXXX XXXX, for the loan information I was requesting. He text me her info, since I was driving and had no pen or paper. I called her, gave her my information, and she emailed me what else she needed. She told me that I 'd hear back from her tomorrow ( Tuesday ) I emailed at XXXX, text and Called her, with no response until hours later, with " I 'm sorry I did n't receive it back yet, sorry for the delay, hopefully tomorrow '' I tried calling her twice on Wednesday, and received no answer, or call back. I 'm not comfortable that she has all my personal information, is n't with the company I was told she was at, and is n't returning any phone calls, texts or emails. It 's very unprofessional, and nerve racking, since I gave her info to run my credit, and info that could ruin my life. I talked to another lender, and she told me it 's likely if she 's switching companies, that she does n't have her license 's arranged with the new company and ca n't access the system to run my info for a pre-approval. If that 's the case as well, she should 've been up front, open and honest about switching companies. I would 've never given her my info that being the case, because I have a very Time sensitive situation and am needing to see all my options now. Being a first time home buyer, this puts a bad taste in my mouth, and I will be telling everyone how poor of a job she did. Her job history as well, shows that she bounces from job to job, which I wish I knew before. Lesson learned.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-11 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA

Complaint narrative:
I requested account verification from Kohls department stores via certified mail and to have them mark my account as disputed with credit agencies within 30 days of receipt of my first letter per the FCRA. They have failed to provide me with a contract bearing my signature to verify the debt, and they failed to place the account as disputed with the credit agencies. I have the certified receipts and the dated credit reports to support my claims.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-06 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Easy Finance, LLC
State: TX

Complaint narrative:
I have been having problems paying on time due to going thru a divorce.  XXXX  has been incredibly rude and saying it 's not her problem. Threatening to repo when it is 3 days late. Calling my work repeatedly. Today she has said she will be coming up to my job. I view this as harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-16 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: COMPREHENSIVE LEGAL SOLUTIONS, INC.
State: NV

Complaint narrative:
This company has done a credit check on me. I need to know why- was an application received for some sort of service? Through another party? Or do they have an account for me that I need to know about? I have been a victim of ID Theft and need to confirm what this is for. They do not answer any calls or return emails, I have been trying for over a week.

Company response to consumer: Untimely response
Consumer complaint received 2017-03-17 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: Escrow Inc
State: WA

Complaint narrative:
I entered into a 5 year mortgage agreement i  n  XX/XX/XXXX  in the  amount of {$130000.00}. The agreement stated after 13 months any or the entire principal may be repaid at any time without penalty. In  XX/XX/XXXX  I paid the loan off by refinancing with another company. At that time Escrow, inc., the administrator of the loan, charged me {$100.00} payout fee, {$670.00} service fee, {$75.00} close out fee, {$15.00} VOM request, {$30.00} for 2 history fees, {$75.00} for 3 payoff fees for a total of {$970.00}. The loan only had 17 months left to payoff and they were paid {$17.00} a month for billing fees. If I would have paid the loan in 5 years they would have received {$280.00} in fees but by paying off early they charge me the {$670. 00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-13 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Settlement process and costs — 
Company: PARKS TITLE COMPANY
State: MI

Complaint narrative:
In XXXX 2008 XXXX and XXXX were constantly stopping by my property and sometimes had the XXXX police asking me to move out because XXXX XXXX had purchased the property for XXXX and they presented a covenant deed as evidence and claim that parks title company conducted the transaction. 

I recently were informed by XXXX that they were doing a release of the lien and provided me a case number. I politely left a message for amaze of this and he taken it as a threat and filed in XXXX county court against me case XXXX. In these pleadings and a statement to XXXX police he indicated that he purchase the property legally and he has legal documentation. 

Please provide to the CFPB the legal documentation that XXXX claim he has under your title company at XXXX XXXX XXXX XXXX, michigan XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-10 00:00:00
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: Crown Asset Management, LLC, Duluth, GA Branch
State: GA

Complaint narrative:
In XXXX, after 20 years of employment with the same company, my wife was laid-off due downsizing. She had several credit cards at the time and I was listed as an authorized user on some of them. I was not the OWNER of any of the credit cards - I was only an AUTHORIZED USER. My wife was successful in finding another job but the pay was 1/3 of what she was making before she was laid-off. For over 3 years, she tried to keep up the payments on her credit cards by drawing money each month out of her retirement account. Unfortunately, in XXXX of XXXX she had no choice but to declare bankruptcy because she had used up her savings and retirement dollars. After she was discharged from her bankruptcy, I began receiving certified/registered letters from XXXX demanding that I pay the balance on her credit card. I explained to them that I was not the owner of the card, but simply an authorized user. I asked them to send me proof that I had signed the cardholder agreement as a responsible party. I received a letter from them stating that they did not have the proof that I was a responsible party on the account. I explained to them that until they could furnish proof that I was a responsible party on the charge card that I was disputing the validity of the debt and respectfully requested that they do not contact me again. To date, they continue to harass me requesting payment and have now sold the account to a collection agency that is demanding payment. My wife talked to the attorney that handled her bankruptcy and was informed by her that I am not responsible for this debt. I am requesting that the harassment for payment on this account be stopped and that the negative information they have reported on this account to the credit bureau be retracted.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-04 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: CCS Financial Services, Inc.
State: TX

Complaint narrative:
Account #  XXXX  and  XXXX  I called t oday     XXXX 17   at  XXXX   XXXX  ad spoke with  XXXX   XXXX  about  XXXX  accounts that they have and get validation the debt.  XXXX  stated they have no physical documentation in their possession to provide me stating that I own this debt and am responsible for this debt. She asked me to call the original creditor which I did before calling CCS. They stated that they no longer own the debt and all the information was transferred to CCS.     CCS is violating my rights under the FCRA by their unwillingness to furnish information validating the debt that they are trying to collect on. I do intend on filing a lawsuit for violation of my rights if this information ca n't be validated to me in writing.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation