vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-02-11 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Other transaction issues — 
Company: Paypal Holdings, Inc
State: VA

Complaint narrative:
On Wednesday XXXX XXXX, 2016 I completed a transaction with PayPal to send {$950.00} to my landlord to cover monthly rent and utilities. Within minutes ( less than 5 ) the transaction was cancelled by the receiving party. I went into my paypal account it did in fact show cancelled. Intuitively since it was done in such a short period of time, it reflected cancelled, and there were no further instructions offered by the paypal site I concluded this had been resolved and paid my landlord via a more desirable payment method. The following day on Thursday XXXX XXXX, 2016 I received notification from my financial institution that my account had been overdrawn. I went and looked at the transactions and paypal continued to charge my account. I immediately contacted paypal to dispute this transaction and was advised that " regardless of you or the receiving party choosing to cancel, paypal will still debt the account and transfer the funds to your paypal account. '' Nowhere did it explain this was the process nor did anything in my account indicate or lead me to do further research as cancelled was stamped on the transaction in red. Paypal refused to provide any customer support and advised I would have to wait 3 to 5 business days before the funds would reflect in my paypal account.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-07 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Security Credit Services, LLC
State: OH

Complaint narrative:
I have on all XXXX of my credit reports a collection account from this business. My first complaint is that I never received a notice in the mail from this business to validate my debt which is my legal right. XXXX I have done some investigation and I have yet to find that this business is licensed to collect in my state of XXXX. Original creditor was XXXX they do n't list a account number on my credit report

Company response to consumer: Closed
Consumer complaint received 2015-11-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: VA

Complaint narrative:
We have had numerous issues with Nationstar, from refusing to correct my name to my married name despite being sent essential documentation on 3 occasions to overall terrible customer service where they refuse to let you speak with a supervisor. This most recent issue came when we thought we were finally free of them. We sold our home and the loan was paid in full leaving an overage on the escrow which is to be paid out to us. We called to verify the amount owed to us and when we should receive it. We were told 2 weeks which we happily accepted. After 2 weeks had passed we called again only to be told that there was n't any progress and it could take up to 18 business days. Annoyed, I asked to be transferred to the escrow department where, in the very same call, another associate tells me that it will take up to THIRTY BUSINESS DAYS. Every time we talk to these people we are wasting hours of our life to get the run around and conflicting information. We just want our escrow paid out to us as soon as humanly possible so we can put this terrible company behind us.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-08 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BB&T CORPORATION
State: VA

Complaint narrative:
I sold a home financed by BB & T in XXXX 2014. At the time I was almost XXXX months behind on the payments. The home was completely paid off and I received a refund from my escrow account. A few months later I noticed it was showing delinquent on my credit report so I disputed it. It came back as valid. I disputed again, came back valid. I called BB & T and a customer service rep said there was a {$10.00} balance for an inspection. Nobody sent me anything regarding this. I asked how to get it resolved, she transferred me to a voice mail box. I left a message more than a week ago, no response. I want this corrected on my credit report. It is showing delinquent for a year now. Can you please

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: AZ

Complaint narrative:
I have an existing complaint on this mortgage company, Nationstar, my case number is # XXXX. The status of my compliant is being investigated and according to the letter attached by Nationstar they expect to have a resolution by XXXX XXXX. Here is a direct quote from that letter '' Please be advised that at this time, we are still reviewing our call and payment records to determine if refunds can be issued. We apologize for any inconvenience this issue may have caused and appreciate your patience. Please be advised your new expected date of resolution is XXXX XXXX, 2015. " Funny I just signed for a XXXX delivery and its from Nationstar, it is a ( NOTICE OF PER-FORCLOSURE ) it says I have 30 days to respond. This company needs to be investigated they have no control over what happens within their own company. My nightmare never ends, please investigate them, can you help me where else can I go to get some help. The stress is overwhelming at this time am can i really lose my house over this!!!!!! Someone please stop them. I will attach this new letter I got Monday to this case.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-14 00:00:00
Product: Debt collection — Mortgage
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: NATIONSTAR MORTGAGE LLC
State: TX

Complaint narrative:
On XX/XX/XXXX, I received ( XXXX ) Letters from Consumer Financial Protection Bureau ( cfpb ) regarding Complaint Numbers XXXX, XXXX and XXXX. 
The erroneous servicing of my mortgage loans failed to take account of my Military Status at the start of my contact XX/XX/XXXX. 
I am a XXXX Military XXXX/XXXX who temporarily lost my source of income after becoming XXXX, awaiting XXXX Separation. 
After regaining my income I furnished paid amounts to XXXX ( A Failed Bank ) and XXXX XXXX XXXX ( XXXX Supreme Court Victim of Unlawful Mortgage Practices ) and XXXX to bring my account current. 
I paid {$14000.00} down, with installments of {$3100.00}, {$3100.00}, {$2900.00}, {$2900.00} and {$2900.00}. 
I furnished documentation and findings from U.S. Department of Labor, Office of XXXX Adjudication and Review, OPM XXXX Retirement Specialist, Department of Veteran 's Affairs and XXXX County Appraisal District and IRS regarding my Application/Approval for Residence Homestead Exemption. 
XXXX furnished me with a letter of servicing my mortgage along with a foreclosure Letter. 
My request for Modification was Prepared and Submitted via XXXX XXXX XXXX XXXX. Government Approved Programs Making Homes Affordable. 
I proceeded to Re-instate my mortgage with XXXX by paying ( 6 ) Payments of {$1800.00} for a total of {$10000.00}. 
XXXX disregarded the Rear payments and proceeded to change my entire contract to include Advance Property Taxes of which I am exempted. 
The Letter from XXXX ( Office of the Consumer Ombudsman ) seems to be unaware and fail to provide the documentation. 
Now my mortgage is being passed on to a XXXX mortgage company/debt collector to include the on-going errors. 
I have submitted copies of these documents on several occasions as you can finally see the overall finality and the unjust hardship caused by the type of servicing received. 
My unpaid amount at the time of my request was {$190.00} which has been re-recorded at an amount in excess of my Purchase Price. 
I feel this is a slap in the face for my contribution and service to my country. 
I submitted this information to the Office of my Commander-In-Chief for accountability and resolution. 
T/Y!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-08 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BB&T CORPORATION
State: FL

Complaint narrative:
I recently obtained a loan from BB & T bank in XXXX. In order to gain access to the online account I needed to open a checking account even though I had no desire to, but i did bc I wanted to see the loan online. The minimum deposit was {$100.00} which i made. I never used the account however when I looked this year, XXXX XXXX, I realized the account was shut due to being charged successive months on inactivity fees. I am very upset that this type of blatant gauging is still allowed. I received no notifications from my bank of the inactivity fees and was not aware of the inactivity fee when I opened 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 explanation
Consumer complaint received 2015-05-26 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: WA

Complaint narrative:
I paid off my mortgage w/Nationstar on XX/XX/2015. The said they mailed out the release of lien on XX/XX/2015. I 've contacted them XXXX times since then and they assured me that the release of lien is being sent each time. As of XX/XX/2015 the recorder 's office at XXXX XXXX has not received it. The last time I talked to them they said it will be mailed and I will receive a email copy. When I opened my email I found a payoff statement of which I have XXXX of. That 's what they keep sending me. On XX/XX/2015 I got a email saying the release of lien has been sent to the recorder 's office and to contact them. I then received a postal letter that said it was in response to my request on XX/XX/2015 for documents to be mailed to me. Guess what, it was another payoff statement. The loan has been paid in full since XX/XX/XXXX. I would find it hard to believe that a company could remain in business and be so incompetent but Nationstar is living proof. And I am not the only XXXX, I plugged Nationstar on XXXX and I read about XXXX letters worse than my situation and I had n't got an XXXX of the way down the page before I gave up. Not XXXX had anything good to say about them. I was going to write the CEO XXXX XXXX but after I saw that XXXX page I figured that he must know how XXXX up his company was, so I came here.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-18 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: ORG GC GP BUYER, LLC
State: TN

Complaint narrative:
Since XXXX 2013 I have have this cell phone number. They are calling for a XXXX or XXXX XXXX. I am neither. I haverepeatedly called them back and told them they have the wrong number. Yet they continue to call. This time, they called and left a number so for the 400th time I called it back. XXXX XXXX. They all from XXXX. Called this number back also ... does n't give you any information. I think I have been pretty good about this after over two years of the same phone calls. I, again, am not XXXX XXXX..nor is my name XXXX XXXX. No where close to my name. Please make it stop. Their number does n't even show that they called because I was going to file suit against them. Amazingly it does n't even show that they called on my bill ... .Weird ..bc I have the voice mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: ORG GC GP BUYER, LLC
State: PA

Complaint narrative:
I received a letter in XX/XX/XXXX that I owed a debt to the US department of education and if I did not pay it my wages would be garnished. I called the department of ed since I am now XXXX years old and graduated in XXXX. I was told that they did not have a record of selling or passing a loan to what was on the letter XXXX and that the loans where " charged off '' sometime ago. I had not heard from the department of ed in over 20 years so I dismissed the letter as a SCAM. I then received a letter in XXXX on the same letter head of the US department of ed but with the XXXX typed at the bottom that my wages would be garnished if I did not call their offices to arrange a payment plan. i dismissed that also knowing that they were trying to push me into a reloan. Now {$100.00} is being taken from my direct deposit EVERY week for over a month now. When I called GC services they did not have any information to give me but asked me did I want to know the procedure to stop the garnishments. They had not answer to the fact that I graduated over 20 years ago in XXXX and could not have a loan in XXXX. The representative ( with a person in the back coaching her ), said that they do n't know but the US departent of ed sent them the loan in XXXX. I told them that I talked to a rep from the US department of ed and they said the then loans that I did have were " charged off ''. I am a retired XXXX and XXXX and did not get ANY notice where this hearing was, Judge presiding, etc. that the company appeared at in MY ABSENCE without any representation. GC Services sent a letter to my employer to take money from my account for a loan that I never applied for or received. I have not had and communication with US department of ed for over 20 years and now my wages are being taken WEEKLY. Now I do n't even know what company originated this madness because there is the US department of ed on the letterhead, XXXX on the bottom of the pages, and GC Services number on the back of the pages. In one of the communications with XXXX I told the representative to show proof that I created the loan and she sent some documents with my signature CLEARLY cut out of another form and pasted onto the bottom of the forms she sent. PLEASE HELP

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-28 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ORG GC GP BUYER, LLC
State: PA

Complaint narrative:
A " debt collection '' agency is trying to solicit payments on a debt to XXXX that I do not owe. The same number XXXX XXXX ) had called me on XXXX XXXX at XXXX and again on XXXX XXXX at XXXX. I returned the call at XXXX on XXXX XXXX. When I first got on the line, a woman told me her name and company too quickly for me to hear. She asked me to confirm my name, which I did. She then asked me to confirm my address, which I did not feel comfortable doing, so I asked her to repeat the name of the company. I typed the same into XXXX quickly, and realized that others have complained about solicitation of false debts. The woman on the line asked me to confirm my address, which I did. She had already known my correct full name and address, even though I have never shared this information with this company. She then informed me that I owe approximately {$600.00} to the company XXXX, which is ridiculously untrue. She asked how I would like to pay today, and I hung up the phone. I have since logged in to my account on XXXX 's website, which I made when I bought a dish for XXXX in 2012. My account shows no other purchases since the dish, and certainly no existing balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-29 00:00:00
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: ORG GC GP BUYER, LLC
State: GA

Complaint narrative:
My neighbor received a call from XXXX XXXX asking for me and left her number for a return call. I have no idea how this person got my neighbors phone number, we have never listed this number on any documentation. I called and spoke to XXXX XXXX and she said she was with GC Services and was calling for an Illinois debt. I am not sure what this is in reference to but I want action to be taken against XXXX XXXX and GC Services.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-09-16 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Medical Society Business Services, Inc.
State: AZ

Complaint narrative:
All documentation was sent to show payments for each EOB from my XXXX insurance provider. XXXX XXXX XXXX was trying to bill amount outside of contracted agreement with XXXX. 
XXXX representative informed me that this was illegal, per the contract agreement and my obligations were met. 
This information was provided to the Bureau Medical Economics who received all receipts of these transactions, but keeps sending harassing phone calls and notices.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-19 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: Eastern Account Systems of Connecticut, Inc.
State: SC

Complaint narrative:
Eastern account systems account # XXXX Did n't provide adequate verification for debt. In question no documents were provided showing a contract or signature!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-23 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: CAVALRY INVESTMENTS, LLC
State: NM

Complaint narrative:
I have a debt on my credit score from cavalry port. I have no idea who this is for or where it is from. There is another one in my credit report from XXXX. Which is another one that I have not received any letters from them. I have recieved 2 calls from cavalry port saying they are going to take legal action against me. And I 'm assuming they do n't have anything to prove that the debt is actually mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-19 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: I.Q. DATA INTERNATIONAL, INC.
State: FL

Complaint narrative:
I left an apartment complex ( XXXX ) a month early in order to move to better and more affordable housing in 2012. I had a deposit still held by them. I told the office of my need to leave and established the date I would turn in my keys. They had my phone number, email, and forwarding address and agreed to contact me with any remaining balance owed. I received no communication from XXXX nor IQ Data International, who this was immediately sent to collections with ; I had no notice before it appeared on my credit report and no ability to pay before this derogatory item appeared on my credit report. Since then, the balance has seen a 50 % increase in " fees. '' I recently disputed this with an online form through the credit bureaus, however it was not understood and all IQ Data International did was send in an itemized list ( which I saw for the first time ) from XXXX and fees without itemization from IQ Data International. 

I am disputing and suffering from two deceptive practices. The first, is that I never was contacted in advance of any collections and negative reporting. Second, astronomical and unexplained fees have been levied by this company as a direct result of the first.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-13 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: AMERICAN PORTIFOLIO MORTGAGE
State: FL

Complaint narrative:
XX/XX/XXXX, American Portfolio Mortgage Corporation ( APM ) began servicing my mortgage account. This is the second time I have had to contact CFPB about APM 's mismanagement of my account within the past 3 months. I attempted to contact APM by phone to resolve this matter but was unsuccessful. 
XX/XX/XXXX, APM used funds in my escrow account to purchase flood insurance on my home ( See Attachment # XXXX ). At the time APM purchased this policy, I already had flood insurance, paid through XX/XX/XXXX. ( See Attachment # XXXX ) After APM purchased this unnecessary insurance for {$1100.00}, I was notified that I have a " Escrow Shortage Amount '' of {$1000.00}. APM advised me that the shortage " may result in an increase in [ my ] payment ''. ( See # XXXX ) APM 's " Escrow Account Projection For The Coming Year '' shows flood insurance in the amount of {$980.00} due in XX/XX/XXXX. ( See # XXXX ). This is further evidence that the flood insurance APM purchased XX/XX/XXXX was not warranted. 
The XX/XX/XXXX projected payments FROM my escrow account total {$3900.00} ( See # XXXX ). The XX/XX/XXXX projected payments TO my escrow account total {$4700.00}. This difference amounts to a {$790.00} surplus in my escrow account. ( See # XXXX ). 
The alleged escrow shortage projected by APM is a direct result of the flood insurance wrongfully purchased by APM XX/XX/XXXX. There is NO shortage in my escrow account, nor any basis for increasing my mortgage payments.

Company response to consumer: Closed with explanation