vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-03-19 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Castle Credit Co Holdings, LLC, Chicago, IL Branch
State: GA

Complaint narrative:
Castle Credit corporation, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX ( XXXX ) XXXX I purchased a water filtration system from eco-water in XXXX of XXXX it was financed by their preferred company, castle credit. 
Complaints are, the company attached a lien to my home with no judgement. I talked to them and asked them to remove the lien and they refuse to. It is financed an amount of {$4700.00} and after paying for over two years, my pay off is {$4500.00}, so at $ XXXX/month for more than 24 months, only {$200.00} has been applied to principle!!! This is a rip off and a loan shark. I have always made payments every month, never missed a payment and they attach a lien to my home along with this insane finance charge and interest rate. This company needs to be investigated and fined for unscrupulous business practices. For all the money I have paid and almost NONE of it is applied to my balance, along with being slapped with a lien on top of that? 
This business is not reputable.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-15 00:00:00
Product: Debt collection — Payday loan
Issue: Communication tactics — Used obscene/profane/abusive language
Company: CHECK INTO CASH INC.
State: CA

Complaint narrative:
I answered my phone to a rude person stating that i was being sued by check into cash and they were foling a wage garnishment. I explained to the individual ive already paid them in full and i have proof. The person then went on to call me a liar and topd me i was being arrested on XXXX felony charges. I told him i have proof see you in court and hung up. He then called back and began yelling at me calling and said why dont you pay your bills you XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-11-02 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Amsher Collection Services, Inc.
State: CA

Complaint narrative:
calls from XXXX every morning after XXXX XXXX. Leaves no message Company name Amsher, found on the internet. I do n't owe anyone anything.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-09 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: POPULAR BANK
State: CA

Complaint narrative:
I had an equity line of credit with Banco Popular. In XX/XX/2011 I was granted a discharge of debt the equity line of credit was not part of the BK. For the past 9 months I have been working on the credit so that I could re finance the house. Banco Popular had to be paid off in order for me to have any hope of getting a loan. Over the course of several months I was able to negotiate a payoff and a promissory note. I gave them $ XXXX and agreed to a no interest payback for a fixed amount over 36 months. The balance after making XXXX more payments was {$10000.00}. My refinance lender told me that we could go ahead with the refinance, however he could not get BP to send a payoff amount. After several weeks XXXX sent a letter asking for a few XXXX dollars more that I agreed to pay in the promissory note. When I challenged them on it, they revised the amount of the payoff but told me that they were going to issue a XXXX for the difference. During my escrow period I received a statement from XXXX reflecting my payments and the amount due almost $ XXXX dollars more than the amount we agreed to in the note.

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
Consumer complaint received 2016-06-03 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Selene Finance LP
State: NH

Complaint narrative:
Selene Finance and XXXX got my Discharges bankruptcy for a Mortgage loan from XXXX XXXX XXXX and Selene has me on all XXXX credit reporting agency that I owe the mortgage like XXXX giving me bad credit ... I would like my credit fixed ASAP and Selene to be sued so I can buy the house I was shot down trying to get a mortgage because of these crooks. It was all set to go and the final credit repot was pulled and they just did this to me XX/XX/2016 I am not happy ... we will be homeless because of them we gave notice on out apt . to move into our home that was denied now because of Selene Finance, check out this great link for more info on Selene Finance, XXXX, XXXX XXXX XXXX XXXX

Company response to consumer: Closed
Consumer complaint received 2015-05-15 00:00:00
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: Solutions To Portfolios, LLC
State: IN

Complaint narrative:
they call my cell phone my work phone constantly saying my social security number has complaints against it they want a legal statement or they will take me to jail. i dont even know what this is about.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-03 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: MLD MORTGAGE INC
State: FL

Complaint narrative:
I refinanced my home with MLD mortgage. They were so eager to get me refinanced, they were in a rush to get my loan done. They promised me that my old mortgage with XXXX would be paid off on or by XXXX XXXX 2015 and I would not be drafted for my old mortgage company. Paper work was signed & I was not suppose to pay for my new mortgage until XXXX XXXX,2015. I did everything on my part and everything turned upside down when my old mortgage was drafted on XXXX XXXX Because MLD mortgage failed to pay off my old loan on time ( it was paid of by XXXX XXXX ). I have been battling MLD mortgage for the past few months and I am mentally exhausted. The company MLD hired to service my loan ( XXXX XXXX ) told me I did not have to make my first payment until XXXX XXXX. However MLD has been after me to pay XXXX payment when I have continuously told them that my XXXX payment was not due because of their error ( the XXXX payment was applied by XXXX XXXX to go to my new mortgage ). Another red flag is the paper work I signed does not reflect the pay off amount, its off by over {$1000.00}. 
I do not know who to turn to, every time MLD tells me they will work it out for me, I get another phone call telling me I owe for XXXX & I 'm back at square one. NOW as of today when I went to go to make my online payment, XXXX XXXX informs me that my loan will now be serviced by another company. I regret 100 % refinancing with this company, I get harassed every week by this company, despite the fact I have physical paper work confirming my account. Can you please let me know who I can complain to or who I can go over my mortgage paper work to see if my refinance was done correctly?! Any help will be greatly appreciated! 
XXXX XXXX XXXX XXXX, FLXXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-25 00:00:00
Product: Payday loan — 
Issue: Can't contact lender — 
Company: CHECK INTO CASH INC.
State: VA

Complaint narrative:
Lender contacts for payment BEFORE the loan payments are DUE

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-19 00:00:00
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: Northeast Receivables Management, LLC
State: SC

Complaint narrative:
I KEEP RECEIVING PHONE CALLS FRON NORTHEAST RECEIVABLES MANAGEMENT LLC. I NEVER RECEIVED ANYTHING IN THE MAIL OR ANY PAPERWORK VALIDATINHG THIS DEBT. THEY ARE CALLING MY JOB AND MY RELATIVES TELLING THEM I OWE THEM MONEY. TO BE HONEST IM NOT EVEN SURE WHAT THIS IS FOR. I HAVE MAILED A CEASE AND DESIST LETTER TO THEM AT XXXX XXXX XXXX XXXX XXXX, XXXX NY XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-18 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Phelan Hallinan Diamond & Jones, PC
State: NY

Complaint narrative:
Over the past ten years there have been two lawsuits naming me as defendant in a Foreclosure action for a property that I do not own and for a debt that is not mine. The first lawsuit was dismissed by XXXX after I had spent thousands of dollars in legal fees for representation. Years later in XX/XX/XXXX a new bank, XXXX that has assumed the mortgage named me again in another lawsuit regarding the mortgage. I contested this lawsuit and received notice from the Judge that I am not responsible for the debt. I continue to be harassed by the lawyers representing this lawsuit ( Phelan Hallinan Diamond & Jones ) demanding payment for a debt that the Court has stated is not mine. I clearly do not own the property being foreclosed on, I do n't live there and I have no interest in it. I am named in this foreclosure action erroneously and continue to be harassed for a debt that I am not financially responsible for paying.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-17 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: Southwest Credit Systems, L.P.
State: VA

Complaint narrative:
This company is attempting to collect a debt I do not owe, I do n't know who they are and why they are attempting to collect from XXXX whom I do not owe. Apparently theirs an account that has been sold off in my name which I already have fraud alerts placed on all bureaus and XXXX etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't get flexible payment options
Company: Automated Collection Services, Inc.
State: NJ

Complaint narrative:
Dear Sir/Madam : I continuously receive threatening letters of garnishment from ACSI - XXXX although I provided them with sufficient documentation that my average monthly debt exceeds my disposable income. Since I did not provide receipts for Food, Clothing, and Misc., they credited me {$120.00} per month. I am a family of XXXX. It is unreasonable to think a family of XXXX could survive off of {$120.00} per month for food, clothing, and misc. items. Today, I provided them with receipts for the month of XXXX and asked that they reconsider their decision. I also made an offer for a payment plan of {$50.00} per month. Having XXXX dependents, It would be extreme financial hardship to have 15 % of my pay garnished. 
Thank you for taking the time to look into this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-13 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: Southwest Credit Systems, L.P.
State: NY

Complaint narrative:
I closed my XXXX account in XXXX with the balance paid in full, and have documentation from XXXX showing this. According to XXXX and debt collectors, XXXX 's systems seem to indicate that there was an outstanding balance on the account from XXXX or XXXX of XXXX. I have a document ( see attached ) from XXXX dated XXXX XXXX, XXXX stating that I returned my equipment and had no outstanding balance. This account has been repeatedly sent to collections agencies. In XXXX, I successfully disputed the charges and the collection agency XXXX XXXX XXXX XXXX requested that all reference to this debt be removed from my credit history ( see attached ). Unfortunately, XXXX simply contracted another agency to collect the debt ( SW Credit ). I have called XXXX multiple times, but no one has been able to explain why I owe this money when I have a document showing that my account was paid in full when I closed it. They have not even been able to provide an email address that I should send a copy of the documentation to so that XXXX could evaluate it.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-01 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
On XXXX XXXX, XXXX, I purchased a used vehicle from XXXX XXXX of XXXX, in XXXX, OH. Three days after purchase of my XXXX XXXX XXXX XXXX service lights came on when I started it. The service lights were XXXX control. I immediately contacted my salesman XXXX XXXX XXXX XXXX making him aware of the issue. After communicating via text messages, I took the car in for servicing. This was only the beginning of the issues I 've had with this vehicle. 
My wife and I have always leased new vehicles. I purchase a second vehicle to prevent from going over my miles on my current lease. XXXX XXXX stands on the premise of servicing the community where their dealerships are. I served on the XXXX XXXX XXXX, I wanted to make a purchase near where I live. 
I 've had several issue with this vehicle, as of today XXXX XXXX, XXXX the car is not operable. My father and I tried to jump the battery with no results. It appears nothing was done to this vehicle at trade in. I understand the vehicle was purchased " AS IS - Without Warranty '' but never did I expect to have issues 72 hours after purchase that have proven to be ongoing and dangerous. I have n't had the vehicle 6 months. 
Please review all attachments to include my attempts to resolve this issue with the dealership. I 'm the XXXX, therefore I understand how some things happen. I 've invested a lot of time, money and suffered inconvenience. I contacted the management at XXXX XXXX trying to give them opportunity to make this right. No one has felt it necessary to follow through. 
I 'm hoping you can help get this resolved. Had I purchased the car from a private owner, I would have expected " Buyer beware. '' Best Regards, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-18 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: Southwest Credit Systems, L.P.
State: TX

Complaint narrative:
I have no knowledge of debt that this company is attempting to collect.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-11 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: HUNTINGTON NATIONAL BANK, THE
State: MI

Complaint narrative:
Last year the weekend of XXXX XXXX, 2015 there was a glitch in their debit mastercards. Customers were charged twice for their purchases. Huntington did go through and refund all the double charges. 
- Some customers like me had checks bounce and payments bounce because of the excess of charges caused the account to go negative. I had to pay Return Check Fees to the merchant 's that were sent back. Huntington refused to cover any other merchant fees. 

Huntington offers a 24 hour grace for checks that may not clear this gives you a chance to go in and get your account caught up. The problem is you do not know if they will give you a chance for the 24 hour grace or not there is no clear guidelines. You are told it is at the Bank 's discretion. I have a disclaimer for the 24 hour grace if XXXX XXXX needs it. 

I have written the Consumer and Financial Protection Bureau because of the excessive fees that Huntington has imposed on my account. In XXXX some of them fees were finally returned. 

Our account has been in good standing and in XXXX I found out that huntington took my account from a " Huntington XXXX account '' to a " Asterisk Free Checking '' without notice or my permission. I have asked why and they can not answer my question. They tried to say it was to save me money. Which makes no sense because I did n't ask to have it changed. I did not want it changed and was not notified that it was changed. 

Then on XXXX XXXX, I found out a check I wrote a week earlier was bounced back. I had {$14.00} in my account and thought the check cleared. The check was for {$35.00} and they sent it back. 
I called and called and tried to find out why I did not get " 24 hour grace '' and asked why? They said it was at bank discretion ( We have had 24 hour grace for larger amounts ). Immediately I paid the Overdraft fee to bring the account current. 

On XXXX XXXX, the check went through again. I was charged another {$37.00} on the same check. 

The problem is Huntington refuses to return any money to me. They say they can not return any money because they credited my account too many times. 

I then asked why I was not offered a 24 hour grace and finally I am told " you overdraft too many times and you are no longer eligible '', I asked why I was not notified? 
The bank 's reply was " We do not have to notify you ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-28 00:00:00
Product: Consumer Loan — Title loan
Issue: Payment to acct not credited — 
Company: Select Management Resources, LLC
State: MD

Complaint narrative:
I have applied for loan max title loan and I have been paying on this account since XXXX/XXXX/2014 I received the loan on XXXX/XXXX/2014. now I have been paying {$210.00} every month to find that because i was late the money paid every month for almost 1 year will not count against the principal or the loan only interest which i totally do n't get. so these people are telling me that i have still have an almost {$11000.00} balance and the loan was for {$850.00} i have already paid {$1200.00} This is robbery as well as unfair business. I need assistance ASAP

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 2015-11-17 00:00:00
Product: Prepaid card — General purpose card
Issue: Fraud or scam — 
Company: Netspend Corporation
State: NV

Complaint narrative:
well, i cash my income tex check with XXXX XXXX in 2008 i put the sum of XXXX dollars a cuple weeks after with XXXX XXXX and netspend was the card holder at that time, well i was told that the card would be sent to the address i was staying at, well i ended up moving before the card came, so i went to the place where i was staying at and talk to one of the guys who work there and he said that a card came but he sent it back to the sender where the card came from. so i went to the place where i put my money at and they told me that they didnt have any paper work on or about my money or anything showing about what or how much money i put in that i would have to talk to netspend, well i talk to netspend and they lie, d about every thing, i know what i did and how much money they owe me, and if i dont get my money real soon im going to sue them i talk to my lawyer yester day. thank you XXXX XXXX XXXX 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 2015-10-12 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated an attorney or official
Company: National Arbitration Forum
State: IN

Complaint narrative:
A person named XXXX XXXX from ph # XXXX called my mother 's ph # repeatedly ( even though she has told them I do not live there ) alleging she is an investigator sending someone out to my place of residence to serve me with legal documents. She also stated if I am unavailable they will come to my place of work. I have previously received a call like this and contacted the state and county courts to make sure. I had no pending cases against me. Still do n't. I once called them back and they stated to avoid a warrant for my arrest I have to pay {$400.00} by means of a prepaid debit card. They would accept nothing else. They said it was for a payday loan left unpaid. I called the payday loan people and no one could find my debt. These people need to be stopped.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-05 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Southwest Credit Systems, L.P.
State: SC

Complaint narrative:
XXXX XXXX representative came to my house told me nothing would effect my credit in any type of way and if I did n't want to continue with the package to call him. I had the cable for a two weeks and I called him and said he would cancel the plan. A few days later I recieved a bill over XXXX dollars.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-09 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Application, originator, mortgage broker — 
Company: HUNTINGTON NATIONAL BANK, THE
State: MI

Complaint narrative:
Huntington National Bank processed a credit bureau inquiry relating to an application for a home equity line of credit without my authorization and signature. My husband submitted the application without consulting me and I received a notification from Huntington National Bank in the mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-30 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
Hello, I have a checking account with Huntington bank. I recently made a bill pay through my checking account for {$1600.00}. The payment was issued and mailed by the bank on XXXX. My mortgage company never received the payment. I called the bank multiple times and spoke with several managers. The check that Huntington bank issued returned back to Huntington bank stamped ( returned back to sender, the address does n't exist ). However, Huntington bank still states that the payment was cashed when my mortgage company never received it. 
I spoke to a supervisor XXXX on XXXX, she indicated that the money will be placed back to my account on XXXX at XXXX. 
Today, XXXX, I still have no money. Multiple calls later, i have no answer about my missing funds and XXXX does n't return my calls. The bank admitted that they have a glitch on their part and the check was never cashed BUT they still refuse to deposit my money back. I spent so much time on the phone and even though I was promised for the money to be deposited back it 's still missing!!!!! I feel like HUNTONGTON stole my {$1600.00}! They just simply pocketed it! My money is still missing and I cant make my mortgage payment!

Company response to consumer: Closed with explanation