vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-03-14 00:00:00
Product: Debt collection — Medical
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: EOS Holdings, Inc.
State: HI

Complaint narrative:
We had not received notice from XXXX Hospital for this overdue bill, therefore, were unaware of this bill. It was then referred to collections without our awareness. We usually receive XXXX bills notices and I keep them for tax purposes. We recieved the first collection notice in XX/XX/XXXX in which I paid for on XX/XX/2016 at XXXX Hospital in person. The collections agency also kept calling afterwards our payment was made. We informed the agency that we had paid and they needed to contact XXXX Hospital as we had paid it their and the accounting clerk assured me they would inform the agency. I believe XXXX Hospital and the agency are not reporting properly and the Hospital did not correctly notify me of this bill. I refute this claim as tardy to do my unawareness. I always ensure I pay my medical bills within a reasonable amount of time and do not intentionally neglect my bills.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC.
State: MD

Complaint narrative:
On XX/XX/XXXX, I filed a complaint with you regarding the PIONEER CREDIT RECOVERY, INC. due to their inappropriate behavior towards me when my account was sent to them by NAVIENT SERVICING. I contacted PIONEER, as you recommended, but they were persistent in trying to get me to commit to a " repayment '' plan. Again, I insisted their involvement was in error, and that I would not make any commitment with them. I also told them I had been attempting to get in contact with NAVIENT, but could not reach a person to talk with directly. The PIONEER representative gave me a " direct line '' phone number that actually was the same as the one I had been using. I even attempted to contact NAVIENT online, but my password was not accepted. 
Since then, I have attempted to get in touch with NAVIENT in order to straighten out this matter. I immediately contacted NAVIENT, again, after receiving your " resolution '' regarding PIONEER, in XX/XX/XXXX. As I stated before, my account should have never been sent to PIONEER, in the first place. In XX/XX/XXXX, I had made payments to NAVIENT totaling XXXX ( {$1200.00} ). On XX/XX/XXXX, I finally received a response to my fax from NAVIENT regarding this, however THEIR accounting of my payments were, also in error. 
According to PIONEER 's correspondence, they said I had gone in default in XX/XX/XXXX, which is also not correct. I contacted my bank, and requested statements since XX/XX/XXXX. My statements further indicate I had been making payments to XXXX, and then NAVIENT. At the time, I was also under a DEFERMENT, but wanted to make a " good faith '' payment, anyway. 
The latest communication I have received is from PIONEER, again. They have " threatened '' to garnish my salary! Once again, I have FAXED twice to NAVIENT to attempt some sort of resolution with them. Again, my account should NOT have been sent to PIONEER, and I want to make an accurate accounting regarding past payments, and resolutions with NAVIENT that do not include PIONEER. 
Succinctly : 1. I want the " harassment '' to cease from PIONEER. 
2. I want to speak DIRECTLY with NAVIENT regarding the accounting of previous payments since XX/XX/XXXX. 
3. I am willing to make/continue making payments to NAVIENT once this matter is resolved ( my payments of {$200.00} each, were sent back to my bank when NAVIENT claimed no record of my account with them ). 
All of this is extremely disturbing. I would appreciate your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-24 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: DISCOVER BANK
State: LA

Complaint narrative:
Have paid my bills on time and have not been late. All my student loans are under one company XXXX, there should not be multiple loans showing. Have paid off XXXX bills XXXX, XXXX and XXXX these also need to be talking off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-13 00:00:00
Product: Student loan — Non-federal student loan
Issue: Getting a loan — Qualify for a better loan than offered
Company: DISCOVER BANK
State: MD

Complaint narrative:
I was unlawfully discriminated by Discover Student Loans. 

I am a co-signer for my sons attending a public university in Maryland. 
The announced XXXX student loan rates today are starting with 3.49 % ( as announced at https : //www.discover.comXXXX ). I have a stable income above average and exceptional credit score XXXX ( exceptional credit score, as defined at XXXX ). However, Discover Student Loans generate the interest rate 4.99 %, that is 1.5 % above the announced best rate 3.49 %. 

Suspecting a mistake, I called to Discover student Loans and takled to 4 employees : 1. XXXX - representative 2. XXXX - representative 3. XXXX XXXX - supervisor 4. XXXX, emp. # XXXX - sr. supervisor These employees and supervisors at Discover Student Loans told me that : a. The decision was made by a secret proprietary algorithm b. Discover, in violation of Federal Law, keeps their criteria secret and they are not allowed to explain me why I was penalized for additional 1.5 % despite my exceptionally high credit rate. 
c. They told that they are involved in market competition and recently developed a scheme to advertise a low interest rate but generate for applications. 
d. Senior supervisor XXXX ( emp. # XXXX ) specifically said that they will not disclose the criteria for best rate and if anybody is getting it. 

Looks like I am a victim of an illegal scheme developed at Discover Student Loans : a low rate 3.49 % is announced, a person with exceptional credit score gets a high rate 4.99 % generated by their secret algorithm and they refuse to explain it. 

Please investigate the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: U.S. BANCORP
State: OH

Complaint narrative:
I refinanced about a year ago, and the terms of my new loan do NOT require any mortgage insurance (PMI).  Despite this fact, I recently discovered that my bank has been withdrawing about $XXXX a month from my escrow account for the past twelve months.  And - based on the statement they mailed to me last month - they planned to continue to do so for another year (or longer - as long as they could get away with it, I presume).

(Like most escrow accounts, my escrow account is supposed to be used for home insurance and county taxes.  According to my statements, these payments appear to have been paid out correctly.)

When I called the bank, I was told that they couldn't just return my money and stop any future withdrawals.  Instead, they added a "replacement reserve" entry to my monthly payment, a credit which matches my "mortgage insurance" entry that just started appearing on my statement.  (Neither of these items were on my statement until this month's bill.)  Additionally, I have a XXXX new item on my statement - a "shortage" of about $XXXX.  That's right - my bank wants *me* to make up for the XXXX shortfall in my escrow account, a situation that *they* caused by incorrectly withdrawing my money!

The only reason there is a shortage at all is because of their incorrect withdrawals (last year) combined with their estimates for the coming year (which they shouldn't be doing in the first place), which together cause the "projected" balance to drop below the required minimum.

(I'm aware that my taxes and house insurance have risen slightly.  But this should only raise my payment by about $XXXX per month, not $XXXX.)

I've tried talking with multiple bank representatives, and they've explained the "replacement reserve", but they don't seem to be able to remove the so-called "shortage".  I've been told to just pay the extra XXXX shortage this month, and that the PMI would be removed next month, but I've already been told a bunch of things that didn't happen to this point (including that this would already be fixed by now).

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-06-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: STONEGATE MORTGAGE CORPORATION
State: CA

Complaint narrative:
My FHA loan was closed in late XXXX of 2014. I lost my job due to injury prior to the close of escrow. The lender funded and closed the loan anyway. I did not know this was a problem. 
Now, I was looking to do a Streamline Refinance and the current lender tried to help me, but said my FHA loan was not insured. I have never been notified of this until now that i am trying to refinance. I am paying monthly MIP, but the loan is not insured. Am i entitled to a refund for all those payments? My loan closed with Crossline capital and was transferred to Stonegate Mortgage about a month after we closed. 

.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-11 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC
State: NY

Complaint narrative:
My wife and I had lived in the same house in XXXX for 30 years.  We got a reverse mortgage and we were doing fine and were very happy -- until XXXX happened from XX/XX/XXXX.  My house was shifted off the foundation, and XXXX came and put tags on the windows and door that said "Do not enter--condemned".  I was not allowed to enter my own home to get my jewelry and belongings out of the house.  However, insurance people came and entered the house but I was told I was not allowed.  At a certain point in time, the city tore down my house in front of me while I sat there numb. I lost good furniture, jewelry, collectibles, all I owned my whole life. My wife and I have health problems, and we were devastated and lost everything.  My reverse mortgage company kept $180,000 from the claim I put in and I did get some money for my furniture. Now the reverse mortgage company is still contacting me saying I owe them money.  I have NOTHING.  FEMA was lame and didn't help me but with a small check.  The reverse mortgage lender who is now Champion  Mortgage continued to call me when I told them I wanted no more calls and they even put flood insurance on my property for which my house is gone - and says I need to get coverage, and they will cancel theirs. If you read the attached, it says this insurance covers the "dwelling"!  There IS NO Dwelling!!!!  

I am writing to ask that you tell Champion to go to FHA as I paid for mortgage insurance, so if a borrower cannot pay - the mortgage insurance pays the lender. I am sick of these calls. They are making me older than I ever felt I was.  It is now affecting my health. I called the newspapers and they won't listen either.  No one seems to care.  Except my loan officers who did the loan and who understands my plight. Please help me, I am begging you - because I don't know where else to turn.  How can I owe money when I had the mortgage insurance that was supposed to protect me?? What was the FHA mortgage insurance or if not for a devastating loss as this where the house is GONE?!  My wife is now in the hospital, I and she live with a relative and I have no idea when things will change. I have applied for low income housing but have no idea when there will be an opening.  Thank you for considering my complaint.  Thank you.  Please see attached.  

XXXX -- XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-11 00:00:00
Product: Payday loan — 
Issue: Can't contact lender — 
Company: EZCORP, INC.
State: TX

Complaint narrative:
In XXXX XXXX and I got a payday loan for a {$100.00} but I lost my job and I could pay back the loan. Last year in XXXX XXXX I got a call from my brother that his wife got a call asking for me that I needed to get in contact which I did. It was a collector calling to collect bui did n't have the money so I agreed on a payment plan of {$150.00} two payments. I Gave the first payment but could n't afford to pay the second payment a month later I got a call to settle for {$69.00} and I did n't and was suppose to receive paper work but didnt. And then yesterday I got a call from my brother telling me that a private investigator looking for me and just when he was about to hang up they told him that there was a warrant for my arrest for 2 counts of felony fraud. He never gave me a name but he provided me with the number and I called right away and got a recording for private investigator XXXX XXXX and I left a voicemail. I called today XXXX XXXX, XXXX in the morning and got a recording for a private investigator XXXX and left another voicemail. 10 minutes later I get a call back from private investigator XXXX returning the call from the message that I left. She was informing me that she was calling on behalf of Ezmoney payday loans and that they filed 2 counts of fraud and that at 1 warrants where going out for my arrest and that I needed to a total amount of {$1300.00} through a XXXX before XXXX today so that it could be settled and the warrant could be dropped or else police officers would pick me up where ever I was and take me to jail and I would have to go in front of a judge and get 120 days in jail and gett a fine of {$3500.00} and that 's including court fees. I informed her that I didnt have that kind of money and I wanted to know what I could do considering that I never received a letter or any notice and also because I am a single mother of XXXX. And all she could say that I needed to play that amount and make arrangements for my kids because I was going to get picked up and hung up. My concern is that I asked her how she got my brothers number and she told me that I had him down as an emergency contact but I informed her that before I even spoke toy brother yesterday I did n't have his number because my number lives out of state and that I had to leave a voicemail for two different people only to get a call back from a third person if I was calling the same number. But what alarmed me is that she was asking me for a money order for an amount over {$1000.00} in a XXXX. I know I spoke to my father and he said he did hear of some scam. I did n't send any money but my concern is that she told me I was going to get arrest today by XXXX since I told her that I was going to send that money since its money I do n't have.

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 2017-03-23 00:00:00
Product: Prepaid card — Gift or merchant card
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: WA

Complaint narrative:
I purchased XXXX XXXX {$100.00} giftcard back in XXXX from paypal_digital_gifts for {$85.00} each. 

I use one of the giftcard ending XXXX back in XX/XX/XXXX for about {$10.00} and I also used it for {$8.00} in XX/XX/XXXX. I should have total left of {$80.00}. However, I found out today XX/XX/XXXX mysteriously that I have {$0.00} left. 

The other XXXX XXXX giftcard should still have {$100.00} each. One ending in XXXX. Another one ending in XXXX. They are both now showing {$0.00} as well. 

I have total of XXXX XXXX giftcard that I purchased back in XX/XX/XXXX for {$85.00} each which total to {$250.00} in my out of pocket that should worth {$300.00} in XXXX gift card minus spending of {$19.00} which equal to {$280.00} total giftcard value. 

I recently learned that there have been a data breach on gift card certificates purchased from Paypal Digital Gifts. XXXX They are not admitting this incident and prefer to hide it from the customer.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-05-22 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Other transaction issues — 
Company: Paypal Holdings, Inc
State: NC

Complaint narrative:
I use paypal for several years and reciently was given an option to make " paypal '' credit my default payment option. When I did this, about a week later I got a call from my bank saying I was over drawn upward of XXXX+ $! This was overdraft and nsf fees included. I called paypal and was basically told that I should have known I could n't use paypal credit as my XXXX funding source and they refused to fix the issue. I called my bank and they say said unless paypal admitted fault they couldnt refund the fees. I went back and fourth for almost 2 weeks and by this time my bank account was nearly XXXX dollars in the negative! I spoke to a manager at pay pal again and he basically told me in no uncertain terms that it was not his problem that I was n idiot and did n't know how to read fine print. I took a screen shot of the page where I checked the box asking if I wanted my ppcredit or my bank to be my XXXX source of funding, and nowhere on that page, in any fine print does it say that my bank would remain my XXXX funding source. Now I have payed my bank back out of my own pocked ( technically paid for services XXXX ) and now paypal is demanding I pay them over XXXX dollars because my bank requested back the money taken out, which they have yet to return. I truly feel this huge corporation which I used to be completely fond of and found extremely convenient has gotten too big for their britches and has gone from a caring consumer driven company to an unethical money hungry company who could care less if they lose one little peon like me. 

Saddened and still in the Negative, 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 2015-07-30 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: I.C. System, Inc.
State: IL

Complaint narrative:
After several attempts of trying to remove a debt on my report that did n't belong to me, I agreed to pay off the debt at a reduced rate. I was told that it would be removed off my credit within XXXX days and it was n't removed. It does say XXXX balance but it 's listed as a collection. I called the agency and they told me to call the credit bureau. Should n't it be the collection agency who should contact the credit bureau?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-18 00:00:00
Product: Payday loan — 
Issue: Can't contact lender — 
Company: BlueChip Financial
State: NJ

Complaint narrative:
In XX/XX/XXXX I had a payday loan with Spotloan in the amount of {$500.00} - the APR at 390 %. At the time I did not know that payday loans were illegal in New Jersey or at best there were usury limitations. 

I had three payments debited from my bank account, and before the fourth I sent Spotloan a letter stating Payday loans were illegal in NJ and also mentioned usury law, and at this time I was revoking my ACH withdrawals, but would repay the principal via money order - which I did. Spotloan stated they were not governed by NJ Law, but is governed by the XXXX of ND, and the principal and interest would have to be paid even though there payments are mailed to XXXX, IL. However, I repeated what I stated in my previous letter to them, and continued to pay the principal balance. I soon received phone calls from their Customer Service Dept., stating I owed money and if not repaid it would be turned over to their Collections Dept. which was then renamed Fraud Dept in phone calls and emails. Eventually, approximately three months later the calls stopped. 

Spotloan operates a website at www.spotloan.com and lists its contact information and address regarding payments and correspondence as : XXXX XXXX, IL XXXX XXXX XXXX If you have a complaint against Spotloan, you can mail it to : BlueChip Financial dba Spotloan XXXX XXXX XXXX, ND XXXX Now, in XX/XX/XXXX I have received a letter from a Collection agency with their letterhead reading XXXX in XXXX MO and the Creditor is listed as XXXX. The address listed for XXXX is XXXX, XXXX MO XXXX. Phone number is XXXX. There is n't any information on XXXX - just listed as the Creditor. I see several online addresses on XXXX ( which I listed below ). Also, the BBB dropped XXXX 's rating to an XXXX in XX/XX/XXXX and the FTC filed an injunction on XX/XX/XXXX. 

XXXX XXXX XXXX, FL XXXX XXXX, XXXX XXXX, FL XXXX XXXX, XXXX, XXXX, FL XXXX

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 2016-04-17 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I 've tried to dispute with credit reporting bureau ( Experian ) on line, there system stops me from logging in. Their online systems wants consumers to apply for {$1.00} free trial, I have an existing account and report number to log into my account. 

the following creditors do not have my account : XXXX XXXX and XXXX XXXX XXXX do not have my account, I have called both companies and they have stated they do n't have my account. these accounts need to be removed. 
XXXX XXXX XXXX that has XXXX account is using fraudulent open dates to keep my account/debt open. I have never opened an account after XXXX. Last date shown being opened is XXXX, I have not reopened or opened an account with XXXX. after 7 years this account should have been removed. In XXXX this account for XXXX should have been removed. Due to XXXX fraudulent tactics this " BAD '' DEBT has appeared on my credit report for over 4 years which resulted in me not obtaining credit, credit cards, automobile loans, housing, employment, and high interest on perscpective loans.

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 2015-12-17 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I SEND A REQUEST TO EXPERIAN FOR A COPY OF MY CREDIT REPORT, THIS IS THE BUREAU I HAVE CHECKED FOR ANY INACCURATE INFORMATION THE FEWEST TIMES. AFTER REVIEWING MY CREDIT REPORT I NOTICED AND ACCOUNT ON MY REPORT UNDER THE NAME "XXXX" I HAVE NO IDEA WHAT THIS COMPANY DOES, NOR HAVE I EVER HAD AN ACCOUNT OR DONE BUSINESS WITH THEM.  IT IS LISTED AS A BUSINESS ACCOUNT, WHICH IS STRANGE BECAUSE I HAVE NEVER BEEN A BUSINESS OWNER.  I DISPUTING THE ACCOUNT, THINKING IT WAS A MIX UP AND WOULD BE REMOVED. I RECEIVED THE RESULTS OF MY DISPUTE TODAY. WITH THE ANSWER BEING "ACCOUNT REMAINS" I CALLED EXPERIAN  IMMEDIATELY AFTER SEEING THIS, AND ASKED THEM WHAT KIND OF INFORMATION DID THIS COMPANY PROVIDE THEM TO VERIFY THIS WAS MY ACCOUNT, THE ANSWER I RECEIVED WAS, WE CALLED AND THEY SAID IT WAS YOUR ACCOUNT?"  I FEEL LIKE EXPERIAN WAS LAZY, AND DID NOT COMPLETE ANY TYPE OF INVESTIGATION TO VERIFY THIS WAS MY ACCOUNT, THEY COULD NOT EVEN TELL ME THE BUSINESSES NAME THE ACCOUNT WAS SUPPOSEDLY OPENED UNDER! IF YOU COULD PLEASE DO WHAT YOU CAN, FOR EXPERIAN TO INVESTIGATE THIS AND COLLECT SOME KIND OF PROOF BECAUSE THIS IS NOT MY ACCOUNT.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation