vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-06-03 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Southwest Business Corporation
State: CO

Complaint narrative:
The defrost mechanism in our refrigerator broke and water was leaking under it without our knowledge. This caused substantial damage to our bamboo flooring. A flooring contractor informed me that we had water damage, but stated he could refinish the floor. After initiating a claim, the mitigation company contracted by our insurance company determined the floors could not, in fact, be refinished. As a result, we had our kitchen floor and a large portion of the adjacent wall ripped out. We have now lived like that for 2 months while we waited for our insurance company to determine an " appropriate '' value for floor replacement. Finally, they informed us that they would be issuing us a check that would allow us to move forward with our renovations. I have since learned that it is fairly standard for insurance companies to require checks larger than {$10000.00} be managed by the property lien holder ( mortgage company ). What is NOT standard is the ridiculous amount of hoops that our mortgage company, SWBC, is asking from us. We must not only send them a XXXX with a signed contract from any contractor working on projects, but continuous itemized receipts to receive any money. Are they planning on paying the interest on the credit card I will be forced to use to buy flooring? I am so confused and wondering why they are micromanaging our project? I do realize that they have a vested interest in the integrity of our home, but I would like to manage the finances of this project on my own? So, if I am able to find flooring and a contractor to do the work for less then the amount of money placed in escrow, where does the remainder of the money go?? Do they keep it, send it back to XXXX? This has been such a disaster. I have spoken to many persons with similar claim amounts wherein their lender simply required them to sign a waiver showing intention to complete repair work. 
I have since been on the XXXX site where I discovered multiple complaints on the same issue of prompt insurance check payments from SWBC. They complained of waits upwards of 2 months! I simply can not have holes in our kitchen for another 2 months while I wait to be repaid for repairs? Is the escrow check interest earning? Is SWBC really paying to employ persons to manage this? This seems like an unbelievable waste of resources. I am so regretting using this lender, and we will immediately refinance after this debacle ends, but for now ... our insurance claim money is being held hostage?? I never knew this was legal. : (

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 2016-02-29 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I terminated the lease I had with Mazda Capital Services ( JP Morgan Chase Bank ) in XXXX XXXX due to a total loss. I followed all appropriate steps of notifying my auto insurance and Mazda Capital Services ( MCS ) and the claim was filed and funds transferred within a couple months. 
In XXXX I received a bill from MCS for $ XXXX. I called to inquire about the bill and MCS told me they showed no balance due and my account should be closed. Then they sent me a paid in full letter. All of this is documented through conversations with MCS and documents I uploaded to XXXX Auto Insurance. One month later I received another bill for the same amount. Again I called MCS who informed me there was zero balance, again told me they would close my account, and again I received a paid in full letter on XXXX XXXX, XXXX. 
In XXXX XXXX, I received another letter, this time from United Recovery Systems claiming I owed MCS / JP Morgan Chase Bank over {$900.00} and was delinquent in paying it. I called MCS, who only told me my account had been transferred to the collection agency and when I asked why I was forwarded to voicemail, to which I have not heard any response from. I then called URS myself to learn more. URS told me that this $ XXXX debt is completely unrelated to the {$700.00} previously communicated to me and that the only information they had about the charge was that it was an insurance deductible. I confirmed with XXXX and MCS that I have no outstanding payments for my insurance ( in fact XXXX also thought the claim was closed ). 
I did not get any notice of this $ XXXX debt from MCS or Chase Bank before it was considered a " long outstanding '' debt and I have been very communicative about any other written notices received. 
As I have not been given any real reason as to why this debt is owed and I have been told numerous times that my account is paid in full and I have zero outstanding insurance payments or deductibles I am disputing this charge. I have already sent notification of this by mail to Mazda Capital Services, XXXX, and the Office of the Texas XXXX. I wish to submit my complaint and dispute here to official record it with the CFPB and ensure it is addressed. Thank you!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-14 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Threatened to take legal action
Company: The Cherrington Firm PLLC
State: UT

Complaint narrative:
Cherrington called me requesting payment for a debt I did not know I owed. My utilities that I thought had been paid off, had gone to collection XX/XX/2016, but I was not notified until now ( XX/XX/2016 ). The original debt was for {$300.00} and Cherrington has more than doubled it with fees. I told them I needed to verify the debt and they were pushy to have it paid without verification. After I called my utilities to verify I called back and offered to pay the original debt. They refused to take anything less than {$700.00}, which I did not have. So, they threatened legal action if I did not pay that same day or set up a payment plan that would total {$900.00} if not more. They also brought up an old debt of 10+ years and said they would tack that on to the payment. No legal action had been made on the old debt and I had n't even heard that I owed it until now.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-04 00:00:00
Product: Credit card — 
Issue: Other fee — 
Company: HEARTLAND PAYMENT SYSTEMS INC
State: VA

Complaint narrative:
ECSI, acquired by Heartland Payment Systems, tried to assess a surcharge that exceeds 4 % ( 4.05 % ) in their student loan payment portal through the Campus Partners website. There is a surcharge for both debit and credit cards, which as I understand it, is illegal. Since surcharge can not exceed their " merchant discount rate '', please publish their discount rate so that we are charged the lesser of the XXXX. I 'm certain that it does not exceed the {$40.00} fee they tried to assess for my one time card payment of {$1000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-08 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Genesis Lending
State: OH

Complaint narrative:
While attending XXXX University online, I was told that I needed to obtain a GENESIS LOAN in the amount of {$7500.00} but with the interest rate by the time I pay it off, it will be over {$10000.00}. I was then told a month later that I did n't need the loan, the financial aid department just did n't pull my financial aid in time and they could n't pull them in past time. So now I am stuck with a private loan that I never needed just to attend XXXX University when it was owned by XXXX Colleges in XXXX 2013. I was looking online and noticed that XXXX had to forgive {$480.00} XXXX in Genesis Loans however I was never informed of this -- so where is my forgiveness? How do I get forgiveness for a loan I never needed and can barely pay for?

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 2015-04-17 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Used obscene/profane/abusive language
Company: Asset Recovery Solutions, LLC
State: WA

Complaint narrative:
I did n't know I owed University XXXX XXXX money. Once I realized that I owed their company money I made the effort to pay them off and was forwarded to Asset Recovery Solutions which is who University XXXX XXXX goes through for debt collections. I made an agreement with an Asset Recovery Solutions Representative where I could get my debt deleted form my credit report in writing after I completed my payments successfully. I met the terms of our agreement successfully, but has not received the later we agreed upon. 

Instead I have been told Asset Recovery Solutions does not have my Social Security number or access to my name on file, and to contact University XXXX XXXX. I contacted University XXXX XXXX. I got a letter that said the debt was paid in full, but the letter said nothing about deleting my paid off debt from my credit report. Which is lying/manipulating me from the original agreement. 

I even called University XXXX XXXX to talk to someone about this. I keep being told to contact Asset Recovery Solutions or I get transferred to department after department after department. I was told XXXX day the department who can help me does n't want to take my call. I was even give a fake number of XXXX on XXXX XXXX at XXXX. 

This is turning into a total nightmare! People want to take my tuition and scam me when I have done my part on a simple agreement!

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-15 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: FIRSTBANK PUERTO RICO
State: PR

Complaint narrative:
First Bank placed an insurance policy on my property, even though I already had another policy covering the same risks and limits. This same bank made payments on both policies and is refusing to cancel theirs.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-14 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Receivables Performance Management, LLC
State: MO

Complaint narrative:
I received a call from this number, XXXX, and as soon as I answered the phone they hung up. I called the number back and asked if someone called my phone and was asked was I my name. I said yes and the person on the phone said unclearly that they were RPM a company based in XXXX, WA and that this was a business call. I asked a business call pertaining to what. We are a debt collector. They said my address to me without the zip code and I said yes. I asked who are you and if I owe a debt mail me proof of the debt. The person asked me to verify my zip code and I responded with you have my address and zip on file. The person hung up the phone on me. I called back more than XXXX times and was hung up on each time. I spoke with a supervisor who also hung up the phone and would not disclose any information about the debt if one even exists. I called again and was told the company 's name is Receivables Performance Management. I XXXX this information and their address is XXXX XXXX XXXX XXXX # XXXX XXXX, WA XXXX. This company 's other phone numbers XXXX and XXXX, which the last number I have seen on the caller ID many times.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-03 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Genesis Lending
State: MI

Complaint narrative:
I understand now that i was XXXX charged for a loan through XXXX.The loans are now under investigation and all of the schools are closing i was persuede to get XXXX loans as i continued school there i was not informed this when I XXXX signed up i was called several time just to enroll in that school and offered opportunities and still can further my career and ally credits will be accepted at any college well all that was false

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 2016-03-14 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Receivables Performance Management, LLC
State: TX

Complaint narrative:
they call my consumer cellular phone at least twice a day, every day, sometimes in late evening. I only know it has to do with debt collecting because I checked the numbers involved. 
XXXX numbers ... same tactics. 
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 2016-03-09 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: HEARTLAND PAYMENT SYSTEMS INC
State: NY

Complaint narrative:
When my quarterly loan payment becomes due, I am unable to submit payment on the lender 's website. For approximately 2 weeks leading up to the due date, when I log in I get an error message saying my loan information is not available. However, if I log in after the due date there are no issues. I looked at an alert which shows when the website does routing maintenance, so loan information can not be accessed during this time. However, no matter what time I log on, what day, on different web browsers, and from any of a variety of computers, I am still unable to access my loan information during the time I should be able to based on the website 's notification. This has occurred with the past 5 quarterly payments I have attempted to make, and each time I wind up having to submit a payment using what the amount was from previous statements I had received. 

I attached screen-shots of the message I receive when I first log in, and if I try to access any other features ( pay my loan, view account info, etc. )

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-20 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Genesis Lending
State: MI

Complaint narrative:
In 2011 I register to XXXX XXXX in XXXX Michigan, I was told when I was in school and pay the monthly amount of around XXXX $ that my payment will be lower after I graduated. I graduated and after 6 months someone from XXXX XXXX called me and request that my monthly payment would be XXXX {$.00} I never got a job with what I graduated for and hardly making the payment of my loan.I tried putting my federal loan in deferment for two years now. I do n't want my credit to be damage. I 'm just hopeless.

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 2017-01-31 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Heritage Financial Group, Inc.
State: KY

Complaint narrative:
I purchased a vehicle from Heritage Acceptance Corporation for XXXX. I was having a lot of problems with it so it gave it back to them and decided not to keep it. 
Heritage Accept. reported that I did give it right back to them, However, they immediately sold the vehicle for more than what I owe. Now they are reporting on my credit that I owe them XXXX. They also filed a XXXX in the amount of XXXX. That is not accurate. This is fraud. Now that make me have XXXX. 
unreported income. This is not right. Please help me with this matter of unjust fraud

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-14 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Taking out the loan or lease — 
Company: Auto Trakk, LLC
State: PA

Complaint narrative:
I recently " purchased '' a car with a {$12000.00} sticker price. Under the guise that this was a financed loan. After all the paperwork was finalized, the final cost of the vehicle became {$35000.00} and this was a lease, not financing. So after 5 years of paying for the vehicle, I then would have to return the vehicle and also pay any depreciation cost. Also, if I return before the lease term is up, I 'm still liable for the cost of the vehicle. Or if I return the vehicle and stop paying for it, this would severely damage my credit. The name of the company who does the " financing '' is Autotrakk.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-12 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Credit Bureau Services Association
State: TX

Complaint narrative:
Original creditor XXXX was paid by XXXX for services rendered as a result of on the job injury onXX/XX/XXXX. All attempts to contact creditor or collection agency, Credit Bureau Service, have gone unanswered. XXXX records show that debt was paid in XX/XX/XXXX yet report of debt is being charged to my credit report and is still being shown as a derogatory remark against me after numerous attempts to have this error corrected. Individual credit is far too important to allow reports that are inaccurate to remain on individual reports until accuracy and periodic review for fraud by those who report can be investigated.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-01 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: Arnold Scott Harris, P.C.
State: AZ

Complaint narrative:
The firm of XXXX Arnold Harris not only filed this garnishment with false information, they knew my correct address at the time of filing but chose not to inform me so I could dispute the claim. They have a document that does not add up to the amount the received. The court document shows a judgement of {$1800.00} plus their fee of {$840.00} for a total of {$3600.00}. I 'm sorry but where I went to school that only adds up to {$2600.00}. Then not only did they over collect for that amount they received an extra {$95.00} over the {$3600.00}. I have given them plenty of time for them to refund all of the overages but as I figured their dishonest approach to collections also includes theft. I have read a lot of the complaints of this company and wonder why they are still in business. I thought these underhanded thug like tactics were against the law and why the CFPB was created. this company has violated every collection policy they can and should be held responsible.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't get flexible payment options
Company: GREAT LAKES
State: SD

Complaint narrative:
My loans are being serviced by Great Lakes and they are the worst servicer I have dealt with, They are not offering any financial hardship assistance to me whatsoever and I do not want to continue to work with this agency. I spoke with XXXX in the wage garnishment department who was rude, misinformed, avoiding to answer questions, refused to give her last name, refused to get a manager on the phone when requested and not helpful at all. I then had to hangup on her because she offered no assistance and called back and spoke with a lady who claimed she was a supervisor who the other representative claimed their were none available and I spoke to XXXX XXXX, who was not very helpful either and spoke down to me and my representative and would not offer me an affordable payment arrangement after I had given her my income information. I told her that I could not afford that and she insisted on that amount to be paid in order to stop my garnishment. I offered to pay an amount that was more affordable and was turned down to do that. This lady works off commission and gets paid if she get money from me and I just want to resolve my loans with reasonable payments so that I can feed my XXXX children and still pay my rent. This is deplorable and I want this agency to be removed from servicing my loans and allow me to consolidate since that is the only reasonable solution for me at this point.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-22 00:00:00
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: TMX Finance LLC
State: GA

Complaint narrative:
I went to this loan company and i took out a {$600.00} dollar loan the man took my app and i gave him my info i am on social security i told him to please keep the payments low he said he will so when i went into pay my 1st payment it was {$110.00} dollars i asked the lady why was it that much she said that i was not suppost to be on a installment loan that it was moved to a payday loan i asked her when the man was that i needed to talk to him she told me that he was not working with them anymore so i asked her to keep the payments low she agreed but on my 2nd payment it was not bad at all it was {$70.00} so when it was time to pay my 3rd payment i was really upset they wanted me to pay {$90.00} and i did offer them the {$80.00} dollars but they refused to take my payment and not they say i owe each day a late fee of {$35.00} dollars. I am on a small income i told them and they sad that it was my problem, They call me many times a day and on the weekend non stop back to back calling they even call me from their own cell phones they said that i have no legal rights but what gives them the right to change my personal installment loan over to a payday loan this is so wrong. when i talk to them on the phone they are so hate full talking to me. What Rights do I have, Thank You.

Company response to consumer: Closed with explanation