vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-01-31 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: CREDIT ACCEPTANCE CORPORATION
State: CA

Complaint narrative:
I purchased my first car on XXXX/XXXX/XXXX and financed it with Credit Acceptance Corp . I made my payments online on time in XXXX and XXXX XXXX using my debit card. On XXXX XXXX I was in an accident and immediately filed a claim. The car is a total loss. When I tried to make a payment on XXXX/XXXX/XXXX the payment was declined with no explanation. I tried several times without success. I called the company on XXXX/XXXX/XXXX and was told more than likely the insurance company had taken care of the loan. On XXXX/XXXX/XXXX I called the Credit Acceptance because the insurance company was still waiting to hear from Credit Acceptance. I was then told that I had missed XXXX payments and I had been reported to the credit bureau. I was told that when there is an accident you can not make payments using a debit card. I had no way of knowing this. I am attaching a copy of the message I received when I tried to make a payment. Today I tried to make the XXXX past due payments using two methods : debit card online and calling and neither method allowed me to make a payment. I wanted to take care of this as soon as possible because I need to purchase a car to get to my XXXX jobs but can not buy a new car with the credit report from Credit Acceptance. There is nothing in the payment coupon book that tells me I can not make a payment with a debit card if I have been in an accident. I want Credit Acceptance to accept my debit card payment and I want them to fix my credit report. I am young and this is my first attempt at establishing credit. I was diligent in making my payments in an accepted manner per the coupon book and coupon. Because I work XXXX jobs I can not wait on the phone to make the payments during their office hours which are Eastern Time ; I live in California. 
The insurance company on XXXX/XXXX/XXXX confirmed they are also waiting on Credit Acceptance for paperwork to pay off the loan.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-24 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: American Financial Resources, Inc.
State: CA

Complaint narrative:
Approximately on XXXX XXXX, 2016 I contacted XXXX. The were very eager to help me re-finance with money out. I completed all their paperwork with in about 7 days. They then told me it went to the underwriters. At this time I paid {$490.00} for an appraisal for my house to qualify for this loan. My appraisal came in at {$320000.00} and I wanted to take out all I could which meant I wanted my loan to be {$260000.00}. I then waited for the rest of XXXX, XXXX, and XXXX calling them approximately every 10 days to find out where my refinance was at. And everytime I called they said it was at the underwriters. I kept asking if they need more information. NO NO you are are fine, Finally on about XXXX XXXX, 2016 I received an email from them listing about XXXX things they needed from me in order to close. By this time I contacted another mortgage lender and closed within 3 weeks. I think they should refund my {$490.00} for my appraisal fee. When entering into a contract with them I believe time is of the essence. and by stalling my home loan for 3 months is NOT a timely fashion. Every other time I have refinanced my home the loan has been completed within 30 days. 

Thank you XXXX CA XXXX XXXX

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 2016-07-18 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Sherloq Group, Inc
State: NC

Complaint narrative:
I sent XXXX XXXX at XXXX XXXX Hospital in XXXX, NC copies of my daughter 's Medicaid card for her XXXX XX/XX/XXXX. All the other providers ( aka, the surgeon 's bill ) was covered by Medicaid. Why XXXX XXXX purposely keeps losing my daughter 's Medicaid information is beyond me.

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 2015-06-14 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: EXPERT GLOBAL SOLUTIONS, INC.
State: PA

Complaint narrative:
They need to quit contacting me over a debt I do not owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-08 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PHH Mortgage Services Corporation
State: NC

Complaint narrative:
I paid off my mortgage loan in XXXX XXXX. I was due an escrow refund of {$3300.00}. I called the mortgage company, PHH Mortgage, XXXX New Jersey, on XXXX XXXX, XXXX to inquire about they money they owed me. A person named XXXX XXXX said they had to research the matter, and I would receive a letter of resolution from them by XXXX XXXX, XXXX. I did not receive anything. I called them on XXXX XXXX, XXXX and they said they would have to analyze the account. I objected to this, so they put me on the phone with a supervisor who told me they would send the escrow refund via XXXX that day and call me with a tracking number. They did not call me with a tracking number. I called them on XXXX XXXX, XXXX and they said they would send the check but did not have a tracking number yet ; they told me to call back later that day for a tracking number. I called on XXXX XXXX, XXXX and they said I would receive the check by XXXX XXXX, XXXX. I do not believe they intend to refund my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-26 00:00:00
Product: Bank account or service — Cashing a check without an account
Issue: Making/receiving payments, sending money — 
Company: ZIONS BANCORPORATION
State: CA

Complaint narrative:
XXXX XXXX XXXX Policy # XXXX Retired Employees of XXXX XXXX CountyXX/XX/XXXX Teeth cleaning with XXXX XXXX XXXX XXXX. 
XX/XX/XXXX XXXX issued check to XXXX XXXX {$90.00} for service. XXXX XXXX does not receive check. 
XX/XX/XXXX I obtained copy of cashed check from XXXX and forwarded it to XXXX XXXX. The check had been cashed by California Bank and Trust, XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX. XXXX XXXX XXXX filed an affidavit with XXXX for non receipt of check. 
XX/XX/XXXX After checking with their security department, the California Bank and Trust manager instructed me to have XXXX XXXX file another affidavit with their bank. He filed the XXXX affidavit. 
XX/XX/XXXX I met with XXXX XXXX XXXX, Manager XXXX ( XXXX ) to follow up on the status of the affidavit. She determined that XXXX had failed to notify us that no action was being taken on the affidavit because XXXX XXXX was not a customer of XXXX. She found the cashed check electronically and their customer who had cashed it. She would not release the name of the customer to me. Since XXXX had accepted the check without verification, she agreed that the transaction was either an error or fraudulent. I requested that XXXX write a check for {$90.00} to XXXX XXXX and debit their customer 's account. She refused. 
XX/XX/XXXX I have had many conversations with XXXX XXXX, XXXX XXXX XXXX, XXXX ext XXXX. As of this date, action on XXXX XXXX 's affidavit is apparently still pending. She was unable to provide a case number from XXXX XXXX bank who issued the check.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-01-18 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: U.S. BANCORP
State: AZ

Complaint narrative:
Hi, I opened a new business account with US Bank in XXXX AZ for a new business that needs merchant services. This started XX/XX/XXXX. US Bank uses Elavon for the Point of Sale Device and referred me to an Elavon representative. I decided to purchase a device. To this date I can not not get an invoice from them and this company has taken {$1400.00} from a new business account that only had XXXX in it to start the account. I found this out because I had an insufficient funds notice from US Bank plus overdraft fees. I have since put a check in to cover the amount. I was waiting for an invoice. The representative told me it was all in the fine print when I was sent a secure email for my signature. It was not and they wo n't send me a copy of anything. They also charged me for {$160.00} that XXXX does not know what it is for and I also had a {$200.00} rebate which I have not received. Elavon merchant services has taken all of the credit card payments from customers to pay for this device as well as as I had to deposit {$1300.00} in the bank account on top of that plus the original {$100.00} I had deposited to open the bank account.. The original cost of the device was quoted to me as {$1100.00}. 
XXXX is the Elavon representative that I was given and she is out of the Nevada office. Her manager is XXXX XXXX phone number XXXX. US Bank has not given me any assistance and I have called names for help on up the USBank/ Elavon ladder. No one has helped me to solve this. I am afraid they will continue to take fees out even after the fact. I do not even have an itemization of their transaction fees. The sales rep would only verbally give them to me over the phone and of course I received nothing from US Bank. The Rep also said she sent me secure emails but I have no notification of her sending emails after I called her. I did receive a secure email from Elavon on XX/XX/XXXX but I contacted XXXX because I received an error message that their server could not retrieve the message. She did not resend anything. This is an issue that did not need to happen and the attitude and false statements I am being handed is an outrage. I am losing money with them and I do not know how much more Elavon plans on taking or charging me. They have extracted more than the purchase price at this point. 
Sincerely, XXXX XXXX RE : XXXX Az businessin XXXX, AZ Please let me know what other information you need.

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 2016-05-12 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: ASSOCIATED BANC-CORP
State: WI

Complaint narrative:
Has charged me XXXX in legal fees on my mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-20 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: PHH Mortgage Services Corporation
State: CA

Complaint narrative:
We contacted PHH Mortgage, our loan company ( and several others ) to request a refinance of our loan on our primary residence. Our current loan is {$550000.00}, 30 year ARM at 3.5 %. We intend to pay down the loan with cash from a house we sold in XX/XX/XXXX. 
The new loan would be {$190000.00} for 15 years, and after completion of loan application we were informed that we were locked in at a rate of 2.875 % After several days we did not hear back from PHH, I called to inquire when we would need to provide various documents to complete the loan process. At that time I was informed that due an error on PHHs part the rate did not get locked in and now it would be 3 %. 
I thought this type of " bait and switch '' practice was illegal, but apparently the practice has not discontinued. 
Here is the contact info. 
PHH Mortgage XXXX XXXX ID XXXX XXXX XXXX XXXX XXXX XXXX, New Jersey XXXX Loan ID XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-18 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: I.C. System, Inc.
State: TX

Complaint narrative:
I received a letter from IC System back in XXXX XXXX, 2015 stating that I have a balance due from XXXX XXXX XXXX. I was shocked and researched the issue with XXXX XXXX XXXX immediately. XXXX XXXX XXXX confirmed with me on the phone and in writing that I did not owe them any balance and the communication from IC System is incorrect. Then, I contacted IC System to explain the situation to them on XXXX XXXX, 2015 and the representative ( XXXX ) advised me to mail them a dispute letter. Then, I did mail IC System two dispute letters. After I sent the dispute letter, I follow-up with IC System three times on the phone on XXXX XXXX, XXXX XXXX and XXXX XXXX, 2015. IC System advised me that the status is pending the response from XXXX XXXX, but they will not report my file to the credit bureaus as they still need to do a investigation. However, I just realized they reported my file to the credit bureaus few days ago without clarified my account with XXXX XXXX XXXX. I called IC System today, XXXX XXXX, 2015 and seeking for help. Their response to me is I am sorry they can not do anything about it, I can dispute that from the credit bureaus if I want to. I believe the whole process make me very frustrated and helpless because of the mistake of a billing.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-12 00:00:00
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: PNC Bank N.A.
State: DE

Complaint narrative:
On XXXX XXXX, XXXX, my fiance and I entered into an agreement with XXXX XXXX of XXXX XXXX to purchase a condominium in the property located at XXXX XXXX XXXX XXXX, Delaware. The initial hold deposit of {$100.00} was paid at that time. A few days later we were to return with a deposit of {$500.00}, as well as a 50 % deposit on the upgrades ( {$4200.00} for wall paint colors, carpet and certain hardwood flooring, appliance colors, and backsplash in the kitchen ). The upgrades were to be made once the financing was approved. 
By XXXX XXXX, the {$4200.00} check had been cashed/deposited, and the upgrades began. 
On XXXX XXXX, we received the first mortgage denial letter from PNC. The reason stated was that the application was incomplete. All of the documents that the PNC Loan Officer- XXXX XXXX requested were delivered promptly within two or three days. He said everything would be fine. According to the contract, the seller, and the Loan Officer ( LO ), we were due to move into our unit by XXXX XXXX, XXXX. On XXXX XXXX, we were asked by the LO to come up with an additional {$3800.00} to close. Against better judgement, we were came up with the additional money ; only to find out we did NOT have a mortgage approval-and never did. According to information discovered much later, the application was never even reviewed by a PNC Underwriter. 
Our money has been used for upgrades to a unit we will not be approved or allowed to occupy and it seems no one is willing or offering to refund our money. 
Meanwhile, while we were expecting to be out of our current apartment and had given proper notice ; we had to agree to the additional costs ( {$100.00} more per month for 5 months-XXXX through XXXX ) of maintaining a month-to-month lease, while this matter dragged on and on and on. It was during that time after creating this fiasco, XXXX XXXX stopped taking our calls and responding to our messages. XXXX XXXX, knowing XXXX XXXX had conducted his business in the same manner with at least one other prospective buyer, introduced us to another Loan Officer with PNC, XXXX XXXX ( XXXX XXXX XXXX Mortgage Loan Officer PNC Mortgage, a division of PNC, N.A. 
XXXX XXXX XXXX Local Office : XXXX XXXX XXXX XXXX, DE XXXX PNC Financial Services Group XXXX, PA XXXX ( p ) XXXX ( fax ) XXXX XXXXXXXXXXXX ) After several conversations and meeting in person with XXXX XXXX we showed him the message from XXXX XXXX telling us to " disregard the denial letter, WE WERE APPROVED ''. XXXX XXXX then said he would take this to his boss, XXXX XXXX XXXX, ( XXXX ) and he was sure PNC would refund our money. His subsequent message was that they were shocked when that did n't happen. We were finally forced to renew our lease for another full year at our current residence.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-23 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: PHH Mortgage Services Corporation
State: CA

Complaint narrative:
We have already submitted a complaint against PHH. It seemed to be worked out but after a letter, which I will attach, from PHH saying they are honoring our loan modification they have refused our XX/XX/XXXX payment which is the first payment after the 3 trial payments which were all made on time and cashed, the first trial payment was to XXXX due XXXX XXXX made on time and cashed by XXXX, XXXX XXXX XXXX 2016 and XXXX XXXX XXXX trial payments to PHH made on time and cashed by PHH on time. I am attaching proof of the trial payments. PHH sent back our XX/XX/XXXX payment and sent a letter of Defaut and Accelerate Forclosure Notice. I am attaching the letter refusing our XX/XX/XXXX payment. This is very distressing to say the least. I have called PHH XXXX XXXX Liason office of the President XXXX ext. XXXXand she stated there must have been a mistake and she would check into it. I have not had a response and have called back and left a message to call me. The check was refused by XXXX XXXX XXXX ext. 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 2016-06-28 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: ASSOCIATED BANC-CORP
State: WI

Complaint narrative:
They update my account balance to maximize fees in their favor. I always check my balance before purchasing anything. They charged me {$35.00} on .XXXX after i put {$4.00} in my account to cover the .XXXX. They dont process things for days even though it shows the money is spent just so they can try and get people to overdraft

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-11 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: EXPERT GLOBAL SOLUTIONS, INC.

Complaint narrative:
Hi I keep getting repeated calls from NCO Financial services on my cell phone. They are looking for someone who is not at this number. I have told them this verbally over the phone as well as emailing them and telling them this. Yet they keep calling me. The number they are calling me at is XXXX. Please can you help me to get them to remove my number from their dialer?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-02 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: R.M. Galicia, Inc.
State: CA

Complaint narrative:
I had request a verification of the debt and the creditor has not done so.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-02 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: PHH Mortgage Services Corporation
State: MD

Complaint narrative:
I requested all the documents including my credit file and emails from PHH Mortgage on my loan a few weeks ago. When I did not hear anything after a week I called and spoke with someone in the Office of the President, XXXX XXXX. XXXX XXXX sent me a secure email with my application from XX/XX/XXXX attached but stated they ( Mortgage Services ) did not keep emails and that she could not release to me a copy of the credit report from XX/XX/XXXX with my file I would have to contact the credit bureaus. Looking back and previous mortgage XXXX as supplied with a copy of the credit report. The credit report from XX/XX/XXXX I am seeking proves I do not owe a loan XXXX XXXX XXXX is fraudently trying to collect from me and has placed my home in foreclosure because I refuse to pay them. PPH Mortgage sold my loan to XXXX XXXX and only services it but they have the paperwork which proves my claim that I did not reuse a loan opened in XX/XX/XXXX. I believe they will not provide me with the emails ( everyone keeps emails ) and the credit report because XXXX XXXX has made up documents and this will prove it. My complaint is why are they not required to provide me with the forms and emails I requested as I am sure they are part of the file.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-20 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: ZIONS BANCORPORATION
State: CA

Complaint narrative:
I have been banking for several years at California Bank and Trust, which originally was XXXX XXXX. My husband was added to my account in 2001. My husband was diagnosed with XXXX-which is an XXXX protected XXXX in 2007. This XXXX affects a person 's judgement and causes XXXX. I informed my contact at the bank, XXXX XXXX, and he informed the branch in XXXX where we usually do business and they were helpful. My husband does n't do much banking, does n't write checks, he mainly went there to have coffee and chat. 
Unfortunately, XXXX XXXX was forced out of his position in XX/XX/XXXX and that 's when my problems with CBT began. My husband believed I had forged his State Franchise Tax board refund from 3 years ago and wanted to get his money back. The money was debited from our account. I got a call from XXXX, the operations manager and explained the situation and thought that was the end of it. 
I had XXXX the following week and when I got home there was a letter stating that the bank was closing our account because they " no longer felt comfortable '' with us as clients. 
I feel that this is a violation of my husband 's protection as a XXXX XXXX. 
Since I was in no postion to go out shopping for a new bank, I offered to close our joint account and get one solely in my name at the XXXX branch and that was refused. 
On 10 different occasions, I attempted to contact administrators of CBT or their parent bank, Zion bank and never received a call back to me. 
The best I could get was they would keep my account open until XXXX XXXX and they did n't even abide by that-I got a returned check charge from the Gas Company because CBT woul n't clear a check on XX/XX/XXXX which was a clear violation of their agreed policyI feel that they both discriminated against us and violated fair banking practices

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-17 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: FORD MOTOR CREDIT CO.
State: CA

Complaint narrative:
At XXXX XXXX in XXXX I took in a Certified Vehicle Certificate for a XXXX Ford Mustang GT convertible which was not granted not disposed in my favor. I was treated unfairly, harassed, insulted by Visitors, Customers and entire staff at XXXX XXXX in XXXX. I was informed by employee that nothing was in it for them, so they could n't grant my certificate.

Company response to consumer: Closed with explanation