vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-10-28 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: Screening Reports Inc.
State: CA

Complaint narrative:
I will like to have the inquiry removed from my credit I never authorized to processed never signed a document to review my credit for a rental apartment. we where going to process but the last minute I said no I do n't want it. please email me back XXXX or call XXXX

Company response to consumer: Untimely response
Consumer complaint received 2017-04-04 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LoanCare, LLC
State: NY

Complaint narrative:
{$1600.00} was removed from my checking account with XXXX Bank in error, on XX/XX/XXXX. On XX/XX/XXXX I notified LoanCare Servicing, and provided documentation that the payment had cleared. As a side note, my mortage payment due for that month was XXXX, so I have no idea where the amount taken was coming from. On XX/XX/XXXX the mortgage payment from the correct checking account with XXXX was posted at LoanCare. Meaning duplicate payment was made. I 've attempted to have funds returned to the XXXX account since XX/XX/XXXX, have called 5 times, XX/XX/XXXX, XX/XX/XXXX - at which point the issue was 'escalated ' by them, XX/XX/XXXX - at which point I was told I had n't given enough time after escalation on the XXXX and the first week I had already given them did n't count, XX/XX/XXXX - at which point I was told that I should expect the funds returned by XX/XX/XXXX, XX/XX/XXXX - where I was told they did n't know why it had n't been done yet, but that they would 'priority escalate ' and it would be looked at in a couple hours, and again on XX/XX/XXXX - to be told that I would need to wait an additional 48 hours for the 'priority escalation ' to be looked at, and they were n't sure why I was told it would be a few hours. It 's become clear that 'escalation ' is just a tactic to buy additional time and get me off the phone, and they have no intention of returning the funds removed without my permission. I filed a case through XXXX bank on XX/XX/XXXX, to try to recoup the funds that way. Additionally I have received no correspondence at all on this issue from LoanCare, the only communication has been initiated by me. I have spoken with the following LoanCare representatives ; they provide their agent # s at the beginning of calls : 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 2016-07-15 00:00:00
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: BAM Financial, LLC
State: AZ

Complaint narrative:
A company called XXXX XXXX calls continually looking for a family member. They are calling everyone in the family, disclosing personal information and threatening everyone if we do n't give them the location of this person. They continue to call my home and business number for a debt THAT IS NOT MINE, it is for the sister of my domestic partner. I was threatened with jail, a warrant for my arrest, etc. When I told them I was n't who they were looking for, they slung a stream of abuse at me and did n't believe me. I asked for their contact information and they refused to give it to me. I asked them to stop calling here, and they have continued to call five times a day, repeating their threats, looking for someone who IS NOT HERE and has never BEEN here. I am sick of their harassment and abuse. When I ask them to stop calling, they call MORE OFTEN. This has to be illegal.

Company response to consumer: Untimely response
Consumer complaint received 2017-04-08 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: BB&T CORPORATION
State: NY

Complaint narrative:
I recently closed on the purchase of a home. The Closing Disclosure was generated multiple times in the 24 hours leading up to the close date. There were glaring errors on the CD. The banker admitted that the CD numbers were incorrect. I understand that certain numbers will change slightly, but in this case there were blatant errors to which the banker admitted. He insisted that I sign the CD 3 days in advance of the closing even though he admitted that the numbers were incorrect, telling me that if I did not sign the document we would not be able to close on time. An example : the " Down Payment/Funds from Borrower '' incorrectly listed the purchase price. 
In addition, the Title company told me that they quoted the Title Search amount to be {$500.00} but the banker quoted the Title Search at {$300.00} on the Loan Estimate and on the subsequent CD 's until the very last CD was sent to me just hours before the closing. The final Title Search amount was {$710.00}. That 's a long way from the {$300.00} initially estimated. 
Every time the CD changed the total Cash to Close was higher. 
I highly recommend that people avoid using Branch Banking and Trust Company ( BB & T ), XXXX, FL XXXX - 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 2017-04-03 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC
State: LA

Complaint narrative:
about the year 2003 we did a modification of our mortgage with XXXX..My husband is XXXX yrs old, we just recently applied to get a Reverse Mortgage only to find out that XXXX XXXX had tacked a balloon note to our existing mortgage which is collecting huge amounts of yearly interest which disqualifies our application making it almost imposible to ever repay..I want help getting this balloon note tacked on forgiven.He is a XXXX and we want to die in our home, not on the road.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-24 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: BAM Financial, LLC
State: IN

Complaint narrative:
XX/XX/XXXX, I brought a vehicle. I have to make payments of {$460.00} a month. However when I brought the car, the dealer BAAM Finance Company, told me that I would be paying the amount of {$460.00} for a minimum of 2 years and then I would be able to trade. After the 2 year mark, I was trying to trade my car and learned that I would be paying the amount of {$460.00} instead of two, but five years totaling the car to {$26000.00}. The car is a red Toyota Corolla 2008 & when I purchased it, it had over XXXX miles on it and is 8 years old. I feel like this is a fraudulent sale. I am paying 10x what the car is worth and is unable to trade it. When I purchased the vehicle, the dealer handed me a pink sheet of paper stating that I would be paying a total of {$14000.00}. 
BAAM Finance number is XXXX. BAAM Finance is located XXXX XXXX XXXX XXXX, XXXX, Indiana XXXX. I feel like I am being grossly overcharged for a used 2008 vehicle.

Company response to consumer: Untimely response
Consumer complaint received 2017-03-31 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
Basically {$500.00} was taken from my PayPal Account. I 've tried to report it as unauthorized but PayPal sided with the scammer. I did n't receive anything out of this ... No invoice, No receipt, No Shipping address. or proof of shipping. I do n't even know the what the product or service is ... 

According to PayPal : Payments that are invalidated and reversed Payments to you may be invalidated and reversed by PayPal if : You lose a PayPal Purchase Protection claim submitted to us by a buyer, including as a result of your failure to respond in a timely manner. 
Your buyer pursues a chargeback related to a card-funded transaction and the transaction is not eligible for PayPal Seller Protection. The card issuer, not PayPal, determines whether a buyer is successful when he/she pursues a chargeback related to a card-funded transaction. 
You do not fulfill the transaction as promised or you can not provide proof of shipment or proof of delivery when required. 
eBay decides against you under its money back guarantee program ( and you have n't opted out ). 
Our investigation of a bank reversal ( sometimes known as an ACH return ) made by a buyer or the buyer 's bank finds that the transaction was fraudulent. 
PayPal sent the payment to you in error. 
The payment was unauthorized ( i.e., a credit card-funded payment was made by someone with a credit card that did not belong to them ). 
You received the payment for activities that violated this user agreement or any other agreement between you and PayPal.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-25 00:00:00
Product: Debt collection — Auto
Issue: Communication tactics — Frequent or repeated calls
Company: CREDIT ACCEPTANCE CORPORATION
State: MO

Complaint narrative:
On Saturday XX/XX/2017 I received multiple phone calls from Credit Acceptance in an attempt to collect the debt I owed them. They called at XXXX, XXXX and XXXX. When I called to ask them to stop calling I was told that they would continue to call until I set up a payment plan. This is n't the first time they 've harassed me and it is n't the first time I 've asked them to stop.

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 2015-07-05 00:00:00
Product: Payday loan — 
Issue: Can't contact lender — 
Company: Mobiloans, LLC
State: PA

Complaint narrative:
This lender keeps contacting me about a closed charged checking account and false reporting on my XXXX credit report.

Company response to consumer: Untimely response
Consumer complaint received 2017-03-30 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: CREDIT ACCEPTANCE CORPORATION
State: MI

Complaint narrative:
The company that I have an auto loan through calls me when I 'm a day late. They call me at least 5 times a day, not leaving any messages. We have asked them to stop twice, and they do not. They claim they use a " dialer '' and they have no control over that.

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 2016-06-02 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: ALCHRO INC.
State: TX

Complaint narrative:
I have asked First Federal Credit & Collections to validate a collection they are reporting on my credit reports on XXXX/XXXX/15 and XXXX/XXXX/15 and they have failed to provide anything that would support the fact that they are attempting to collect interest on a debt without an agreement or contract. Nor have they supplied anything other than a statement on one of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-27 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: Crosstown Law, LLC
State: FL

Complaint narrative:
I disputed this account, requesting proof of the debt. They failed to provide such proof and contine to report to the credit agency.

Company response to consumer: Untimely response
Consumer complaint received 2015-04-16 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Alessi & Koenig, LLC
State: NV

Complaint narrative:
The Alessi - Koenig law firm sought to collect a debt -- {$2300.00} in attorney 's fees -- for services that were not performed.

Company response to consumer: Untimely response
Consumer complaint received 2015-07-03 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Commercial Recovery Systems
State: MI

Complaint narrative:
I would like to request another investigation. I am not satisfied with the previous one. The facts are not being delivered. The company has never supplied a copy of the original bill which includes original dates from the original business. 

The date of delinquency on this account has been purged. The original date of delinquency is very clearly stated on the bill and is stated as XX/XX/XXXX. Please have collection agency validate. XX/XX/XXXX is inaccurate. The collection agency must have a different bill than I have. The collection agency has clearly re-aged this account. Re-aging this account according to FCRA is against the law. The first date of removal for this account was somehow changed from XX/XX/XXXX. I providing the information I had which is clearly showed a different date than what the collection agency is reporting. This false reporting of information has been upheld by the both XXXX and XXXX. The company is using the date that the account was sent to them as the beginning date of delinquency. The company continues to report this invalid information to the credit bureaus. Several unsuccessful attempts have been made to have this removed from my credit.

Company response to consumer: Untimely response
Consumer complaint received 2017-03-24 00:00:00
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: FIDELITY CAPITAL HOLDINGS, INC
State: CA

Complaint narrative:
Fidelity Creditor Services is the debt collector for the doctors at XXXX XXXX in XXXX XXXX. My insurance, XXXX XXXX, paid my medical bills in XXXX and XXXX and then took back the payments. I kept disputing the charges but to no avail. XXXX turned my account over to Fidelity for collection. Fidelity added alot of interest to the original balance and then Fidelity reported the XXXX account as XXXX derogatory accounts on my credit report- XXXX for each visit or procedure I got in XXXX or XXXX that XXXX XXXX took back their payment for. Even visits to the same doctor were reported as separate accounts. I have complained in writing and in person to XXXX XXXX and to Fidelity but they wo n't do anything about it. They said if I paid it, they would remove it but instead it is still there, XXXX derogatory accounts but the balance is noted as XXXX on each visit or procedure that is paid. This has harmed my life for years now. My credit score is horrible. This ca n't be legal. It would be like XXXX creating multiple derogatory accounts for each purchase made with the same XXXX credit card that became delinquent. Please help!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-09 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
" Get a {$400.00} bonus when you open a new Citigold or Citibank Account checking package, deposit {$15000.00} of non-Citi funds within 30 days, and keep the funds there for 30 consecutive calendar days '' - Citibank website. 

In XXXX Citibank widely advertised their promotional offer. They promised to pay {$400.00} to the new users of Citibank account package/Citigold account package. {$15.00} XXXX deposit was required. Initial {$15.00} XXXX deposit should have been kept on account for 30 days. They promised to pay {$400.00} bonus at the end of 90 days term. Link to the original offer on their website ( unfortunately, does n't work anymore ) : https : //banking.citibank.com/cbol/16/checking/aquisition/400-offer/default.htm XXXX : I opened Citibank account package and made a qualifying deposit. Money was kept on account for 30 days. After 90 days no rewards were paid to my accounts. 

XXXX : Gave a call to Customer support, asking what 's going on with promotional offer. Investigation was opened, Reference number : XXXX. 

XXXX : Got a letter regarding investigation from XXXX, specialist of Premier & Escalated client Services of Citibank. Letter stated : " A credit of {$400.00} is being processed to your account in fulfillment of this offer. '' Letter is attached to this complaint. 

XXXX : Talked to XXXX from customer support. XXXX confirmed that I was eligible for the bonus and it takes up to 30 days to process bonus. 

XXXX : Citi still did n't pay promotional {$400.00}. Placed one more call to Customer Support to check the status of investigation ( from XXXX, Reference number : XXXX ). They say previous case was already resolved and they sent a letter to me. When I replied that I expect a result not a letter, they offered to create a NEW CASE TO RESOLVE THE PREVIOUS CASE. And provided me with a new case number : XXXX. Amazing customer service experience. 

I 'm not alone, you can see many similar complaints to Citibank across consumerfinance.gov website.

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 2015-12-16 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: DYNAMIC RECOVERY SERVICES, INC.
State: OH

Complaint narrative:
I had a issue with my ex wife in XX/XX/XXXX and we went thru a 4 year divorce and bills were handled in the divorce court and my ex wife 's bankruptcy. Now XX/XX/XXXX I am getting these calls from Dynamic Recovery Solutions, and they will not listen and call me at work even when told not to, they call every morning at XXXX. XXXX XXXX is the Ops Manager, address of XXXX XXXX XXXX. XXXX South Carolina. XXXX.

Company response to consumer: Untimely response
Consumer complaint received 2017-03-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Caliber Home Loans, Inc.
State: FL

Complaint narrative:
I purchased my home with a government insured FHA loan that is serviced by Caliber Home Loans. My problem is that I was injured and hospitalized for a period of time and missed a lot of work. This caused me to fall behind on my mortgage payment. As soon as I was back to full time I contacted Caliber to try and resolve the matter. They requested that I send in some financial information. I did this, and then did it again, and again and again. Each time I speak with someone different, and each time they give me a different excuse as to why they ca n't review my information. This has happened so many times that it seems intentional. Caliber is denying me access to government mortgage assistance programs that they are required to offer. 

I have worked as a XXXX for 16 years and I make a good living. My wife also works part time as a XXXX to help out and we live in our home with our XXXX daughters. We love our neighborhood and our home and want to save it more than anything. This problem began in XX/XX/2016 when I was hospitalized and was out of work. When I got out of the hospital I had to take it easy and my company just had me working part time and doing XXXX. As a result I missed some mortgage payments. A couple of months later I was back to full time employment and I contacted Caliber Home Loans to discuss this matter. They told me to send in my financial information and they would see what they could do. I have never been assigned a specific contact, I have never talked to the same person twice and they have a different excuse every time. I have been doing this for nearly 5 months and have made absolutely NO progress. They still have not even LOOKED at my information and this is beyond frustrating. They are starting to threaten me with foreclosure. This is crazy -- I make a good living and can afford my mortgage payment. I hit a rough patch but am back on my feet. Why are they denying me access to all options for help?? I know that FHA loans have programs to help people in my situation with a modification, or partial claim, forbearance agreement or repayment plan. However Caliber Home Loans has refused to offer any of these options. 

I am contacting you to inform you of the actions of my servicer Caliber Home Loans. They are not following guidelines, they are purposely obstructing the process, they are not conducting a review and they have never conducted a review of my financial information

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-05 00:00:00
Product: Payday loan — 
Issue: Charged bank acct wrong day or amt — 
Company: Genuine Debt Solutions, LLC.
State: WI

Complaint narrative:
Some years ago I took out a payday loan. Payments were being taken out days and even weeks ahead of the scheduled date. It XXXX my bank account up so badly I had to close the account and open a new XXXX. My bank charges were in the hundreds of dollars due to their untimely actions. I made arrangements to pay the amount they claimed but now they are threatening me for breech of contract because the bank did n't pay their withdrawals. They refuse to accept proof that this was paid. They called on XXXX/XXXX/16 at which time I told them it had been paid but they refused proof of payments. They said they would call the next day for my documentation. They did not. This was a XXXX XXXX at XXXX. A week later they began to call every three minutes non-stop. Threatening to take me to court. So I blocked their number. I am now getting threats from XXXX threatening me saying I had been reported. They do not send documentation of any type, have refused to give me any specifics on what they are referring to and are very nasty people. I do not owe this and they cost me hundreds of dollars in bank fees for all the other transactions that were affected by this incident. They are the ones who were in breach of contract.

Company response to consumer: Untimely response
Consumer complaint received 2017-04-09 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Experian has submitted and maintained known to be false and clearly erroneous information on my credit report concerning my address, a item of information that must be correct for many banks to open an account for a consumer. 

Specifically, Experian has maintained that I live at " XXXX XXXX XXXX SD XXXX '' for a number of years and as a result of Experian 's failure to correct these records, a violation of federal and state laws Experian has effectively locked me out of the financial services market because I am unable to provide any bank with a " proof of address '' that matches " XXXX XXXX XXXX SD XXXX '' and further, any bank that does a consumer application to credit report address check would deny account opening because the addresses would not match. 

I have attached proof of this and ask that Experian immediately remove this false information, reply to me with a full report on why this information was allowed to be on my credit report and include the contact information of the reporting financial institution, as well as resend my credit report to all financial institutions who inquired upon my report within the past 6 months.

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