vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-04-07 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Shopping for a loan or lease — 
Company: DriveTime
State: PA

Complaint narrative:
On XXXX/XXXX/2017 I reserved a car for purchase at Drive Time ( XXXX ). I was asked to provide a letter to show proof of an approved auto purchase from my bankruptcy trustee before reserving the car for purchase. After having received the approval letter DriveTime fails to complete the purchase transaction. On XXXX/XXXX/2017 I provided the dealership with proof of insurance for the car intended and was told i still could not complete the purcahse for the car. I was instructed to " hold on '' to my money. As of toady ( XXXX/XXXX/2017 ), I am without a car AND an explanation as to why. According to the sales agent at the dealership, I was approved for a purchase and the only thing preventing the sale is the communication from their bankruptcy department. For the past 12 ( twelve days ) I have contacted DriveTime for an answer. My sales agent is never able to provide an update. When I asked to speak to the general manager at the dealership to get escalated assistance, I was told that " there is n't anyone here in that capacity ''. I asked for their bankruptcy department contact information, my trustee was willing to contact them directly to help expedite the purchase. I was told " that department does not have a phone number '' I was further informed that I should call customer services for further assistance. On XXXX/XXXX/2017, I contacted the customer relations department at DriveTime, after explaining the situation to a representative, I learned that the dealership does have a general manager. To my dismay, the customer relations department did VERY little to try to resolve my situation. I feel as though someone should be able to directly contact the bankruptcy department at DriveTime and get information on my approval. At the very least, they should provide me with information on the barriers completing the sale so I can resolve them. To date I have provided the dealership with : proof of income, proof of residency, payment towards the car, my drivers license, proof of car insurance and the approval letter from my chapter XXXX trustee. I have even attempted to put additional money towards my reservation. I want to complete the sale or get a specific answer as to why not.

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 2016-03-04 00:00:00
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Commercial Recovery Systems
State: MA

Complaint narrative:
I was contacted by CRS ( Commercial Recovery Systems , Inc. ) about a debt they claim belongs to me in the amount of {$1200.00} for a payday loan. They would only tell me the year and amount of the debt and refused to give me any more information. I assure you this debt has nothing to do with me. They said that it was already handed over to their legal department and I would now be getting fraud charges added onto the pending lawsuit against me. They refused to give me any sort of documentation for this debt, and I have never received anything in the mail regarding this. I need these calls to stop.

Company response to consumer: Untimely response
Consumer complaint received 2016-02-02 00:00:00
Product: Debt collection — Payday loan
Issue: False statements or representation — Impersonated an attorney or official
Company: NAM National Arbitration and Mediation
State: MI

Complaint narrative:
Hi, I submitted a complaint on XXXX XXXX, 2016. The case number is : XXXX. Today I received another call from the same person, XXXX XXXX, stating he worked with XXXX XXXX XXXX ( which does n't exist as a debt collection company ). He again threatened my husband to show up at my house and his place of employment with the sheriff. He again stated that he had summons to serve and if he did n't receive a stand down order my husband would face penalties. Once again, he did n't acknowledge that he was a debt collector. He did not leave the name of the company he supposedly represents. The company name is XXXX XXXX XXXX Services. I 've already asked them to stop calling my number. They still keep calling. The last time they threatened to show up, they never came. We 've never received anything in the mail from them and we do n't even know what they are trying to collect for. I just want it to stop.

Company response to consumer: Untimely response
Consumer complaint received 2017-03-31 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: Bread Financial Holdings, Inc.
State: NJ

Complaint narrative:
I just checked my Victoria 's Secret credit card statements and realized that I 'm being charged two different reoccurring charges each month, for at least the last 24 months, amounting to at least XXXX dollars per month. The total cost for these charges was XXXX. I could not get this resolved through Comenity Bank and was told to call the two other companies issuing these reoccurring charges. I was told by XXXX that I had authorized this service when I activated my card. I would not authorize such charges, but can not speak to anyone regarding getting my money back. Comenity Bank 's customer service number is a never ending loop of computerized choices that do not connect me with an actual representative.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-04-02 00:00:00
Product: Debt collection — Payday loan
Issue: Communication tactics — Threatened to take legal action
Company: Rubin & Yates, LLC
State: AL

Complaint narrative:
Rubin and Yates LLC XXXX from New York on XXXX/XXXX/2015 threatened to have my wife arrested and have her picked up on her job in regards to a delinquent payday loan. Also they told her the debt be would settled for a different amount than we are being asked to pay.

Company response to consumer: Untimely response
Consumer complaint received 2017-03-29 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Called after sent written cease of comm
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
Portofilo Recovery has been calling me 3 to 4 times a day on a debt that I know I do not owe. I have told them to cease all calls and send mail via for communicating purposes. Since XX/XX/2017 I have received more than 4 calls a day and they are very rude. I sent them a letter for them to cease all calls but they keep calling with threats of jail time and or court.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-29 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I setup a direct automatic draft payment, from my checking account, to pay my Macy 's XXXX Inc. Credit Card in full every month. Macy 's would pull my full bill directly from my checking account. I setup this payment method around 4 years ago. 

In XX/XX/XXXX, I used my Macy 's credit card. Macy 's apparently dropped my automatic draft payment agreement without any notice. According to Macy 's my automatic draft agreement expired without my knowledge. Macy 's made no attempt to contact me to let me know they were no longer pulling the funds to pay my bill. 

They did not send any correspondence to my home address. They claim to have sent statements to my email address. I reviewed my Macy 's Credit Card Account and found no information from Macy 's about my automatic draft expiring. It was n't until XX/XX/XXXX did I receive a paper statement in the mail showing that I was 60 days past due. I immediately called Macy 's and paid the bill in full. Macy 's had already submitted a 30 day and a XXXX delinquency on my credit report. I asked Macy 's to remove this delinquency. They removed the overpayments but refused to fix my credit report. I had an XXXX Fico score prior to this discrepancy and now my XXXX score is down to XXXX. 

Macy 's XXXX Inc. failed to provide any form of notification that the automatic draft payment expired. They allowed my account to go delinquent without any proper communication.

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 monetary relief
Consumer complaint received 2017-04-08 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: BB&T CORPORATION
State: KY

Complaint narrative:
BB & T bank rearranged my transactions to maximize the amount in overdraft fees I would accrue ... Taking transactions that occured literally DAYS BEFORE the transaction that actually caused my overdraft ... I agree to one overdraft plus the amount that actually overdrafted my account ... .NOT the five overdrafts they are lying about and saying I owe them ... .This is predatory behavior and needs 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 2015-03-20 00:00:00
Product: Debt collection — Credit card
Issue: False statements or representation — Impersonated an attorney or official
Company: Riexinger & Associates, LLC
State: NY

Complaint narrative:
On XXXX/XXXX/15 my husband received a call from Riexinger and Associates asking for me. I did speak with representative who stated she had been retained to handle debt ( old XXXX account that had been purchased several times over ). I asked rep. who the attorney was. She stated this is Riexinger and Associates. I said yes, you stated you had been retained. Who is lawyer. She repeated same statement. Mind you she had not verified who I was at all. Most companies will ask SS # address etc. She just kept talking. I said to her so you are a collection company not an attorney and she said yes. I proceeded to hand up due to rep. making false and intimidating tactics.

Company response to consumer: Untimely response
Consumer complaint received 2017-04-07 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: PA

Complaint narrative:
MY MORGAGE WAS SOLD TO ANOTHER MORGAGE COMPANY Select Portfolio Servicing , Inc . 
XXXX XXXX XXXX XXXX XXXX, UT XXXX Account Payment Select Portfolio Servicing , Inc . 
Attn : XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, UT XXXX WE WERE SUPPOST TO DO BY WEEK PAYMENTS AS PER AGGREEMENT WITH OUR OLD MORGAGE COMPANY XXXX ... THE NEW MORGAGE COMPANY WILL NOT COMPLY WHITCH IS SELECT PORTFOLIO ... I HAVE PAPER WORK FROM OLD MORGAGE COMPANY .IT KNOCKS DOWN INTEREST BY PAYING BY WEEKLY ....

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-31 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
I asked for a loan assumption since my husband died XX/XX/2011 and the mortgage was in his name only and I wanted to start a loan modification process. 
I was denied as a widow.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-14 00:00:00
Product: Payday loan — 
Issue: Can't stop charges to bank account — 
Company: Mobiloans, LLC
State: NC

Complaint narrative:
The amounts that the payday loan company is charging me is outrageous. I 've asked a few times to stop the draft due to inability to pay, and they will not allow them to stop. I am at the point of needed to change my bank account. 
XXXX XXXX, North Carolina

Company response to consumer: Untimely response
Consumer complaint received 2017-01-04 00:00:00
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: Mobiloans, LLC
State: OK

Complaint narrative:
I emailed Mobiloans on XXXX/XXXX/XXXX to close and settle the account. Mobiloans replied with a settlement amount of {$700.00}. I stated the settlement amount should not have any interest or fees added and I wanted to be reassured of that. I was never given the interest rates or fees or how much the payments would be applied to the balance. I have made a total of {$870.00} payments to Mobiloans and I still have an outstanding balance. Mobiloans responded to my email twice stating The issue you 've described in your email may be resolved more efficiently if we can speak with you. I stated in my original email that I would only respond by email. I have spoken to Mobiloans Customer Representatives before and they have given me misleading incorrect information. I stated in my original email to to have the ACH Revocation stopped to have them stop debiting money out of my account. I received a reminder from Mobiloans stating that I have auto pay and that they draft the minimum payment to be drafted on XXXX/XXXX/XXXX. Mobiloans stated in the email that they have stopped automatic payment drafts from my checking account as of XXXX/XXXX/XXXX. I am getting no where with this. I am submitting supporting documentation such as emails and payment history. Please HELP!

Company response to consumer: Untimely response
Consumer complaint received 2017-03-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Fedloan Help
State: VA

Complaint narrative:
I was told that the Fed Loan Help company was taking over my student loans and giving me a payment at a much lower rate based on my income and the XXXX that I XXXX. I was told that the money I was paying Fed Loan Help was going towards paying my regular student loan payment as well as a XXXX $ fee for 4 months for their services. 
I was informed by Fed Loan Servicing that my loans have been in forbearance since XX/XX/2016 and no payments have been received by Fed Loan Help. This is not what I was told on the telephone and I would never have agreed to such contract. My loans should never have been put in forbearance and payments that were directly withdrawn from my account should have been used towards my student loan balance ( as I was told ). Fed Loan Help is a scam and did not fulfill what I was promised over the telephone. How are they affiliated with Department of Education when DOE has no recollection of what they are communicating to customers?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-06 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Other transaction issues — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
On XX/XX/2016 Paypal limited my account due to activity changing. I uploaded requested information, and they reviewed it. Upon calling customer service, they have been unable to give a valid factual definition of why account was limited, or describe any type of activity that increased risk. Upon review they requested further information which I have provided through multiple means. I have emailed, uploaded, emailed, and uploaded multiple times. Paypal continues to spin in circles and hold my money, not allowing me to access it without any logical reason. 

At this point, Paypal has denied me access to my funds of {$4400.00} since XX/XX/XXXX. I have recently been emailing, and calling daily with no resolution. Paypal is continuing to withhold customers money for arbitrary means, similar to a recent class action settlement. They provide no relief, do not respond to emails, upload submissions, or provide any resolutions. They are wrongfully withholding valid funds, in order to use the funds and profit off of them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-25 00:00:00
Product: Debt collection — Medical
Issue: Improper contact or sharing of info — Contacted me instead of my attorney
Company: Collection Resources, Inc.
State: NM

Complaint narrative:
one day as I tried to buy a home for me and my family the company I 'm dealing with get the home informed me that I have a medical bill in collection that I have to take care I did research and this and it came out to be when I had my daughter, I was sure I had medial coverage I called XXXX to get conformation that I did have XXXX during this time. I also made contact with women specialist witch i then started asking why i was been billed they then read to me a address they had incorrectly. a few phone calls and a schedule hearing to get a coverage letter saying I had medical coverage at this time. then I was told by XXXX to call he collection agency and let them know that I have a paper saying I have coverage and to XXXX them over the proof. so I did so I was then told to called the company that billed me and asked then to re bill me so Medicaid can cover this. then the women specialist sent me a paper bill instead of re-billing there for I went completely around again making phone calls to the Medicaid collections women specialist finally a couple weeks in I talk to a manger at women 's specialist who then said they can not help me because it would be just time filling and they could n't do anything about it I then told them this was not my fault and they had the wrong address they said this address they had they got it from the hospital I then asked if they had the address why could n't they get the XXXX information also. these people where not from my request the hospital called them in to help not me!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-07 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Trident Asset Management, L.L.C.
State: OH

Complaint narrative:
I paid this debt a year ago, and it was removed from my credit report. Then a new amount was added two months later. When I attempt to contact the company it says the phones are not in service, and the pay my bill link on the website is a false link. I want this derogatory remark removed from my credit history, especially after paying {$200.00} to this company. It seems as if they dont even exist however, aside from on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-29 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Precise Financial Group, LLC
State: CO

Complaint narrative:
While working with a mortgage company, I discovered a debt on my credit that was invalid. I disputed the debt via XXXX. After investigating, the original company that said I owed the debt responded that the debt was indeed invalid and XXXX deleted it from my credit report. A collection agency that bought the debt some time ago is still hounding me to pay even though I 've informed them that I 've disputed the debt and the original creditor agrees it is not a valid debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-23 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Threatened to take legal action
Company: First Recovery Solutions, Inc.
State: NJ

Complaint narrative:
On XXXX/XXXX/XXXX, a robocall was left on my voicemail - stating that there was a message for xx and given claim # XXXX. I returned the call. I was told I was in Breach of Contract for a payday loan taken out on XXXX/XXXX/XXXX from XXXX XXXX, and I owed {$500.00}. When I asked for a mailing address for the debtor, I was told they could not provide that for their own security. They said they could email me information only. They provided a fax XXXX Attn : Arbitration. They stated that if I did not pay on the debt via credit card, would go to jail and I better get a " good lawyer. '' They had my last XXXX of my social. They are leaving these messages on my cell phone and sister, husband, mother and brothers phone. They do not have a legitimate company -- internet research is showing this is a scammer number. I do not have any outstanding payday loans - nor have I taken any payday loans in XX/XX/XXXX. These company is operating as a bogus debt collector and will only accept payment via electronic means. They will not provide a mailing address. I have called multiple times and they yell, threaten with jail time and that they will see me in court, and then hang up. They will not give you any verification of alleged debt, will not provide you anything via mail

Company response to consumer: Untimely response
Consumer complaint received 2017-03-30 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Caneel Capital, LLC
State: CA

Complaint narrative:
My name is XXXX and my property was foreclosed on XX/XX/2017 by Trinity Financial Services LLC, i was working with them on a modification and after over 12 months of attempts my home was finally foreclosure on, I believe that my home owner bill of rights were violated, i served this country and now i am homeless.

Company response to consumer: Closed with explanation