vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-04-01 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: CA

Complaint narrative:
I went to Walmart to use the moneygram financial service to send {$2200.00} to the recipient XXXX XXXX and was charged a {$45.00} fee for the transaction. I was given the confirmation reference number # XXXX and submitted all required information. When the recipient went to accept the funds, he was unable to and was told that he needed me to contact moneygram at XXXX and that the form was filled out incorrectly. Firstly, all information was filled in by the authorized Moneygram representative at Walmart. Secondly, when I called that number I was only asked survey information and ultimately disconnected from the call. I called XXXX located on my receipt and was told that there was a note on the transaction that required additional information. I was transferred to two times and only asked the same information, being reference number, my name and recipient name. Upon the the third transfer I was left on hold over 33 minutes and as I type this am approaching another 30 minutes of being on hold for a total time of an hour. I believe their actions to be fraudulent in nature, they were paid a fee to provide a service and said nothing about missing information when they took my funds, but have not revealed anything regarding the alleged note on the transfer other than they just like to double check information on larger transfer amounts. I was denied a direct number to the local compliance agent who they are allegedly transferring me to as well as a name, if I 'm even being transferred at all and not simply left on hold. I believe they are fraudulently using the excuse of consumer financial compliance in order to hold my funds and nothing in the transfer violates any consumer financial compliance laws nor have they informed me of any viable reason for their actions. Furthermore, I believe their actions are in violation of consumer finance compliance laws as I have not been notified of any reason for the delay nor have I been given the opportunity for proper escalation to resolve the matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-26 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Berman & Rabin, P.A.
State: MO

Complaint narrative:
my niece went to XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) it has since closed because the company that bought it has filed chapter XXXX bankruptcy I was appalled when I found that my government allowed such a transaction to take place how do you not know when a college has been placed on probation and had lost accreditation. You the government has allowed not only her but XXXX to be put in financial ruin and now I have been drug into this nightmare and I am demanding my money back. I have found that the XXXX now called XXXX has been sued for wrongful business practices and that my niece has a letter that states her loan has been forgiven but we have a bigger issue and that is a company called Berman & Rabin @ XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Phone : ( XXXX ) XXXX. These people sent letters to financial institutions to seize money for this bogus loan and they picked up on a CD I had in MY NAME FIRST my niece 's name second at XXXX XXXX XXXX from XX/XX/XXXX here 's were you may want to check the illegal activities of this transaction I WAS NEVER EVER SENT ANYTHING FROM THIS BERMAN & RABIN I WAS NEVER EVER ATTACHED TO A STUDENT LOAN I NEVER EVER SIGNED ANYTHING FOR HER STUDENT LOAN what did happen was I WAS CALLED BY A REP FROM XXXX XXXX XXXX THAT THEY HAD TO RELEASE MY CD TO THESE PEOPLE TO SATISFY THE DEBT that should have never been issued because the so called college was told by the accreditation commission NOT TO ENROLL ANY NEW STUDENTS BECAUSE THEY LOST THE ACCREDITATION ALL OF THIS IS FROM A SENATE INVESTIGATION. This is Consumer Fraud, Predatory lending and the XXXX Merchandising Practices Act 407 sections 1 & 4 she was never told the school was not accredited plus she was told the class credits would transfer to other colleges or universities, section 2 the XXXX book she has is not even for the USA its for laws in the XXXX she and the rest of the people that went to that place never used that book. How can someone allow this to happen I 'm sick of how she & her mother has been treated by this berman & rabin the abuse they have been put through both are suffering not only monetarily but emotionally something needs to be done and now. I know for a fact she has been fighting this for 6+yrs and now the fact from our own US XXXX has proof that she and all that went there should have never been burdened by a student loan they have been deceived and she was not of sound mind and body anyway we as a family were dealing with the illness and eventual death of her father my brother so in XX/XX/XXXX she should have never signed any document for anything she was in a severe XXXX for over a month after his death she was off work for one month I know.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-07 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Suburban Credit Corporation
State: VA

Complaint narrative:
Medical bills for my daughter from XXXX hospital claims have been submitted to my insurance. My insurance company has paid all claims. Suburban Credit Corporation continues to call and berate me regarding this bill. The representative called and yelled at me about this bill today. I spoke with my insurance company and this has been paid.

Company response to consumer: Closed
Consumer complaint received 2016-05-05 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Paul Michael Marketing Service
State: NY

Complaint narrative:
Paul Michael Marketing Inc reports XXXX about a charge of {$120.00} which is n't mine.I have disputed this charge with XXXX two months ago and the dispute was in my favor and XXXX has taken that information of my credit report. 
I want Paul Michael Marketing Inc to stop reporting this charge to XXXX as its not my charge and they do not even have my social security number on file to claim it 's my charge.

Company response to consumer: Closed
Consumer complaint received 2015-11-17 00:00:00
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: ORG GC GP BUYER, LLC
State: MA

Complaint narrative:
These people call from different numbers and when I call them they never address themselves. I do owe a credit card debt but I can not make any payments right now since i only work part time and I am in school. They keep calling my place of employment which is illegal and asking my co-workers personal questions about me. I need this too stop.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-22 00:00:00
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: ORG GC GP BUYER, LLC
State: CA

Complaint narrative:
XXXX XXXX called me at XXXX on XXXX/XXXX/2015. I did n't recognize the number, ( XXXX ), so usually let calls like it go to voice mail. This time I made the mistake of answering. XXXX XXXX threatened to have me arrested for non payment of an overdue bill from some Bank. He would not give me the name of the Bank, but said I owed over {$30000.00}. I told him I owed no one money or anything else. XXXX XXXX XXXX said he would have me arrested, take me to court, and send collectors out to my residence to take anything of value. He insinuated I had no parents, and I was a low life. I have seen the phone number about XXXX to XXXX times before, but just let it go to my answering machine, but no message has ever been left. These calls start before XXXX, and go past XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-09-07 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: ORG GC GP BUYER, LLC
State: CA

Complaint narrative:
I was contacted by GC Services, I asked them when my account was scheduled to report they said it is pending. I asked what that means they would only repeat that it was pending. I advised that either it has reported or it has not, and it is pending that means that it has not reported to my credit. They rep said confirmed that this was correct. So I asked again when is it scheduled to report to my credit since it is not on my credit now. She said its pending so I said your being very confusing and misleading by not giving me the correct info when I 'm asking. There is a date/time period which a credit reporting account is scheduled to report she said its pending. Then she hung up on me as I was talking.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-14 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ORG GC GP BUYER, LLC
State: MA

Complaint narrative:
GC Services ( XXXX ) called me, claimed to be representing XXXX XXXX, and offered to help resolve an overdue account. I do not have ( and have never had ) an XXXX XXXX card. After I hung up with them, I requested my credit reports and verified that no one has opened an XXXX XXXX account in my name. So the only other explanation is that GC Services was trying to scam me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: BB&T CORPORATION
State: NJ

Complaint narrative:
I'am filing a complaint because of what I feel is predatory and misleading fees charged to my small business account with BB & T . A little more than 1 year ago, my local bank Susquehanna located NJ was taken over by BB & T. Since then I have been getting attacked with fees and charges on my account which Susquehanna never charged. I recently closed my account due to a XXXX charge which turned into {$66.00} in just one week. 

Here is what they do and how it works. BB & T charges your account {$2.00} if you do not take your money out of a BB & T account. In some cases this may exceed a 50 % charge to get {$10.00}. ( XXXX from the ATM machine and XXXX from BB & T ) There are some machines which charge XXXX to take your own money out like the local XXXX store using XXXX. So here is the latest which happened last week. I took a remaining {$40.00} out from my account leaving a balance of XXXX cents in my account. The next day i was charged {$2.00} and an additional XXXX for an overdraft fee. They then charged me approximately XXXX dollars per day for each day the account remained negative. 

I 'm not perfect and I have paid overdraft fees with this bank before, but to allow me to take money for which the very next day they will be charging me an overdraft fee is beyond dishonest. If they need the XXXX, then my available balance should be reduced in order to cover their fee. But by doing this they have become the most dishonest bank in New Jersey. It is my belief they are aware of this dishonest practice but like most large conglomerates the fines will be worth the income to their bank. Please investigate this and let me know if there is a class action lawsuit filed as I would like to get my money back. This is not the first time they did this and I had to learn the hard way how cynical they have become with this practice. 

Thank you in advance 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 2016-10-24 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: BB&T CORPORATION
State: NC

Complaint narrative:
I have become totally and permanently XXXX and contacted BB & T with a letter on XXXX 2016 stating that I have no money and my income on XXXX are totally used up covering my minimal living essentials. I had sent in a complaint and they responded saying they had offered a new plan and I did n't accept. That is true because I told the woman that verbally & was VERY rude to me that I started crying. I was telling her I could do a little because I did have to eat. When I said I had to eat, she still bullied me with smart remarks like " you ca n't pay {$58.00}? I kept saying no. '' In BB & T 's letter XXXX XXXX also mentioned BB & T will take action by reviewing the call and apologized that I was upset after having this interaction. The apology was not sincere and it was during practically the whole call.and not the end. The fact that they send an automated letter that is generated informing clients about accounts being closed. In this case XXXX XXXX said it was because of having difficulty maintaining contractual payments. Said that I had been advised and agreed with constant credit being closed. This should not have been written since it always had a XXXX balance and I thought it had been closed. I opened the credit card account to transfer to a XXXX interest. That was done and if they review they 'll see I never charged anything more. The late fees & interest changes keeps going from {$25.00} to {$32.00}. Every month an extra {$80.00} is added with fees. I do n't think XXXX needs to quote everything I write because it was very hard to write in the first place. I had been used to having an income while working. It was stated at the beginning of the letter Complaint # XXXX that my complaint was forwarded to XXXX XXXX for review and response. Also written in the letter had a notice of furnishing negative information.

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 2017-01-27 00:00:00
Product: Mortgage — Other mortgage
Issue: Settlement process and costs — 
Company: NATIONSTAR MORTGAGE LLC
State: SC

Complaint narrative:
We had a mortgage through Nation Star, last XX/XX/2016 we sold the double wide & XXXX acres.. to date I still have NOT received title to double wide. I now have spent hours calling them .... to avail .... I was told my issue has been accelerated.. but that was a month ago ... .. STILL no word or title ... this is 10 months now ... .I need help please ...

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-24 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: CA

Complaint narrative:
In order to try to save on interest, I have been making mortgage payments well in advance of the monthly due date, sometimes more than XXXX weeks in advance, with the assumption that it would be credited upon receipt to my account/ principle owed. With each payment I have also included an additional amount of $ 20- {$50.00} above the regular monthly payment amount. Upon receipt of each payment, my mortgage company, Nationstar Mortgage, has only credited my account and applied to principle the additional $ 20- {$50.00} on the receipt date. They waited however, until the payment due date to credit the rest of the payment -- which comprises the actual payment due -- for each and every month. Correct me if I am wrong, but I believe this practice is illegal. According to the law, mortgage payments are to be credited to the account UPON RECEIPT.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-10 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: BB&T CORPORATION
State: NY

Complaint narrative:
XXXX XXXX XXXX, XX/XX/2015On XX/XX/XXXX I sent you this complaint with photos and other evidence. You sent me an answer but not a number or any other information. I am sending you just the letter and hope you give instructions to go on. Thank youConsumer Financial Protection Bureau. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XX/XX/2015XX/XX/XXXX I received a bill from XXXX XXXX XXXX XXXX. 
located at XXXX XXXX XXXX , XXXX, XXXX XXXXRe Claim XXXX Lexus CT 200H Lease # XXXX Aptrack # XXXXThey claimed the bill was for repairs when I returned a leased 2011 Lexus CT 200H. 
XXXX ( parts ), XXXX ( body labor ), XXXX ( paint labor ), XXXX ( paint supplies ) and XXXX ( body supplies ). The total was {$4.00}. 

I protested and XXXX lowered the charges to {$2.00}. XXXX to be paid in in three installments of {$890.00}. I finished paying XX/XX/XXXX. 

There was the arbitration option that I could not take because I had several tripsahead of me. XXXX had threatened to hurt my excellent credit history. 

I am still very upset because the car had been inspected by an expert from XXXX just before I returned it and he noted on his report ( enclosed ) : " car condition : " EXCELLENT ". He also took pictures ( enclosed ). 
I had made all the repairs recommended by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX for the amount estimated by XXXX. The check from XXXX was sent directly to XXXX XXXX. 

The car had only XXXX miles on it. XXXX never gave me any credit for wear and tear nor for the low mileage. 
I have leased cars in XXXX for 21 years and was never charged more than few hundred dollars for repairs when I returned them. 

I am not sure if you can do anything for me but I am sure that I am not the only victim of XXXX 's abusive charges. 

Thank you,XXXX XXXX XXXX XXXXXXXXXXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-25 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: Rocket Mortgage, LLC
State: CA

Complaint narrative:
Approximately 90 days ago, we applied for a simple refinance loan from Quicken Loans. With a credit score over XXXX we were told there should be no problems in processing this loan. We were told we were approved but since then, Quicken Loans has stalled and delayed for no known reasons. All documents have been given them. The original interest rate lock has expired due to their stall tactics and now they want to raise the interest rate and even if we were to agree they are unable to give a close date. They shuffle you from XXXX customer representative to another like some stereotypical car salesman. I paid them {$500.00} to cover the appraisal costs, but their stall tactics continue, in spite of their advertised promises. My desired solution is a refund of the {$500.00}. This company really should be investigated for possible violations. I will not do business with company.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-25 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: ME

Complaint narrative:
I am requesting your agency 's assistance concerning the actions of my mortgage loan servicer, Nationstar Mortgage ( " Nationstar '' ). On XX/XX/2016 I logged into my Nationstar online account to pay my mortgage, as I have done so since the company began servicing my loan. I noticed the company 's website had changed since I made my last payment in XX/XX/XXXX. When I brought up the Payment Overview screen, I noticed a charge of {$520.00} in fees. I checked several of my past monthly online statements and noticed the company charged a late fee in the amount of {$57.00} each and every month. 

Prior to XX/XX/XXXX the Payment Overview screen showed the following categories : Payment Amount, Transaction fee ( {$9.00} ), Additional Escrow and Additional Principal. While I ca n't access the old payment screen, I did locate a payment confirmation email that includes the aforementioned categories. At the company 's encouragement I switched to paperless statements shortly after Nationstar modified my loan and I paid my mortgage within 30 days of the due date. When I made my prior monthly payments, I assumed that all charges were included on the Payment Overview screen and therefore did not access the online statements every month. I have attached copies of the Payment Overview screen, online statements for the last three months, the Payment Activity screen, a payment confirmation email from XX/XX/2016 and a payment confirmation email for XX/XX/2016 for reference. 


After making my payment I called Nationstar and spoke with XXXX. I told her that it is not fair to charge a customer fees or any other charges due ( including those accumulated in prior periods ) without showing them in the current Payment Overview screen. XXXX said it is the customer 's responsibility to review all documents " made available and include them in the payment. '' I asked XXXX why the company was able to list transaction fees, but did not list any other fees on that same screen until it discontinued the transaction fee this month. XXXX said she would not waive any of the late fees. I then spoke with XXXX 's supervisor, XXXX XXXX. XXXX XXXX said the company informed me of the late fees in the " note. '' I have attached a copy of the loan modification documents from XXXX XXXX XXXX ( the prior servicer of the loan ) and Nationstar. Nowhere does it reference late fees nor a dollar value for said fees. XXXX XXXX became curt with me and said " I 'm not going to argue with you. ''

Company response to consumer: Closed
Consumer complaint received 2017-03-29 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Rocket Mortgage, LLC
State: MI

Complaint narrative:
In XX/XX/XXXX my fianc had to be placed on short term XXXX to prepare for his XXXX. The XXXX took 6 weeks to kick in and I was worried since he was over half of the house hold income that we would fall behind on the mortgage with Quicken Loans. I was looking on the website to see if there was a 'skip a pay ' option like with my car loan just so we would n't be late the one month. I came across a " Application for Success '' form and filled it out thinking it would help us with the one month payment we were worried we would n't be able to make. Upon completion of the form I received a phone call explaining to me that the form was for a loan modification. I explained that a loan modification was n't for me, as I was not looking to harm my credit and modify my mortgage agreement. They said I could cancel it as it never happened. I never submitted the signed application as they said I could just cancel. A month later I received a letter from Quicken with an adverse action notice on my credit report. I again called quicken to see what it was about. They said it was part of my loan modification process. I explained again that I did NOT want a loan modification that I did n't understand what I was filling out because no where did it say anything about a loan modification. They said they would fix this and get back to me. They never got back to me. Now there is a {$120.00} fee on my monthly payment for the modification I supposedly applied for that I never wanted. They will not take off the fee. I needed help as we were drowning in bills missing 60 % of our household income, not added bills causing me to be late on the mortgage. I have requested calls from managers to explain why I am being charged for something that I never wanted and have not received a call. I have a few emails from a customer service rep assuring me someone will call but its been almost two weeks and no call. In the meantime my payment went from {$950.00} to {$1000.00}. I feel cheated and scammed.

Company response to consumer: Closed with monetary relief