vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-11-17 00:00:00
Product: Debt collection — Medical
Issue: Communication tactics — Threatened to take legal action
Company: Dominion Law Associates, P.L.L.C.
State: VA

Complaint narrative:
I never received the notice of right to dispute, instead I received a letter with a court date attached. I called once I received the information regarding my court date in order to settle the debt. When I called, I was greeted by a rude individual by the name XXXX ( XXXX ), she refused to let me ask my questions, told me she was n't going back and forth then hung up on me. I called back and received the same treatment from her. I asked to speak to her supervisor and was told she was one and that there was no one above her. I again tried to get information regarding my debt from her however it turned rude again and she again would not allow me to ask my questions. I admit at this time I had enough of her attitude and did start to get snippy however I just wanted to know how to get backup regarding the debt owed so I could pay the bill. She again hung up. I called back a third time, she answered, heard my voice and hung up. I called back a 4th time, each time hoping I would get someone else, and this time she picked up the phone and hung up immediately. I called back a 5th time, yes a 5th time, and this time spent 53 minutes in a continuous loop before the evening message finally took over. 

I called back the following day and spoke to XXXX, who promptly told me that my medical records are there and I would receive a copy. That would be a HIPAA violation which I will file a complaint on next. She too said she does not have a supervisor however I finally got the name XXXX out of her. I have not pursued this person yet. I have since spoken to the original creditor who was helped me on this matter and the debt will be paid though them. I do plan on following up at the court date as I do n't trust this collection company at all. I wanted to validate the debt and could n't even get a voice in to do so.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-17 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: RoundPoint Mortgage Servicing LLC
State: CA

Complaint narrative:
Initiated refi with Roundpoint Mortgage XX/XX/XXXX, called a week prior to loan transfer to inform County Taxes ( 6 months ) and Hazard Insurance ( year ) was paid last month. 

XX/XX/XXXX Roundpoint paid County Taxes and Hazard insurance causing a " shortage '' in our account, i informed them of their mistake they said they would take care of it and request refund and place fund back into escrow balance. 

XX/XX/XXXX, Roundpoint sent us a notice that our mortgage was going up due to a " shortage '' in our escrow account. I had to call and inform them of their mistake and that our account had been refunded our County Taxes and Hazard insurance ( {$4300.00} ). They informed they would run a new escrow analysis since fund had been returned but not accounted. 

XX/XX/XXXX, escrow analysis was never completed. Called again, Roundpoint informed they would run one asap. 

XX/XX/XXXX, Roundpoint has an overage in our escrow account ( over $ 2K ), taxes have not gone up and hazard insurance has not increased, yet Roundpoint withdrew an extra amount to cover for a " fictions escrow shortage ''. Contacted Roundpoint, they never apologized and still initiated the extra amount for XX/XX/XXXX to cover for a non-existent shortage. 

XX/XX/XXXX, Roundpoint sent us a check with excess amount owed back to us causing a real shortage in our escrow account and causing our mortgage to go up! 

These people are totally incompetent when it comes to numbers and escrow accounts! They have illegally raised my mortgage when my fixed rate can not change and my County taxes and Hazard insurance has not increased. 

I have only had their " service '' four months and they have not got ANYTHING right, i have had to call every other week to request promised excreted analysis be done and demand my payment return back to what it was locked in at. 

AVOID this company.

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 2015-07-07 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: FMS Inc.
State: IL

Complaint narrative:
FMS, Inc keeps wrting to me regarding an alleged debt to XXXX of {$200.00} for a XXXX credit card. I have never had a XXXX credit card. I called XXXX and they verified that I do not and never did have an account. I have explained to FMS that their information is incorrect but they do not listen and keep harassing me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-13 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
I am having a checking account with Citi. 
Have these kind of issues : 1 ) They do n't provide online access by default. Moreover they never told you whether you need to do that or how to do that? Somehow i got the online access. 
2 ) I wanted to close the account so I wrote a check to my another Bank account ( at XXXX ). Prior to that I asked Citi via Secure message center that i am transferring all the balance via check ( external transfer ) and let me know if there is any issues ( or fees or penalties ) -they said go ahead and account will be closed. I wrote and submitted the check into my XXXX account on XX/XX/XXXX early morning ... and Citi account was suppose to be closed on XX/XX/XXXX after check clearing ... 
Today ( XX/XX/XXXX ) - i come to know that my Citi check has been returned. XXXX charged me return check fees of {$7.00} also. 
When i reached out to Citi and XXXX both. Citi told me that I should have authorized the check ( what??? ) -did n't i told them when i wrote to them last week via secure message center about it? 
Moreover Citi send me the check book - no where it 's mentioned that writing check is blocked and i need to do something to unblock it. Moreover none of the banks in USA does anything like that. So if Citi is doing it differently ( in it 's unique way ) - they should educate the customer before head rather than this sorry situation. I chatted with Citi and also called their customer service. they are not willing to do anything it seems ... mere apologies but nothing more than that. I wasted my time and money and energy for no fault of mine but these weird ( and unknown to customer ) rules of Citi. In other words - Citi is making it too difficult when customer is trying to take his/her money out of the bank account. 

Needless to mention - the account had sufficient money to honor the check. If there is anything required by Citi ( like it is genuine check and customer only had written it ) - they should have called me or informed me at least ( they had my entire contact details as they collected it during the account opening process ). Moreover i wrote the check to myself ( just from Citi to XXXX ) - so there is not even a single reasonable person who will believe me on this nuisance caused by Citi.

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 2017-03-26 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: AMERICAN EXPRESS COMPANY
State: WY

Complaint narrative:
I applied American Express Platinum card on XX/XX/2016. At that time, American Express gave me open account bonus which was 100k Membership Reward ( MR ) point after spending 3000 . I satisfied this requirement on XX/XX/2016 and American Express posted 100k point into my account ; however, at same time, American Express frozen all my MR points ; even the points that I earns in the previous purchasing. American Express told me that they needed to review my account to make sure that all purchases meet qualifying criteria. I understand this and they said it will take 6-8 weeks. BUT, I have already waiting 15 weeks!! I called them many times and American Express just asked me to wait. I have traveling plan in XX/XX/XXXX and I am urgent to use MR points. But, right now, I can not transfer any points from it, even my previous points. They cause extremely inconvenience to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-05-11 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: Harris & Harris, Ltd.
State: IL

Complaint narrative:
Harris & Harris XXXX XXXX XXXX XXXX, Illinois XXXXPhone Number : XXXX continually call my phone every morning. I have informed Harris & Harris that this debt is included in Bankruptcy that was file XXXX/XXXX/2014.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-04 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Credit decision / Underwriting — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: FL

Complaint narrative:
This complaint is about the Loan Servicer RUSHMORE LOAN MANAGEMENT SERVICES, LLCOn XXXX/XXXX/XXXX, before the Tenant Protection Act expired on XXXX/XXXX/XXXX, we signed a residential lease with the owner of the property located at XXXX XXXX XXXX XXXX, # XXXX, XXXX XXXX, FL XXXX, for XXXX year which was exended until XXXX/XXXX/XXXX, because the XXXX association took longer to get us approved. The property sold and the purchaser was the plaintiff/bank who is NOT going to occupy the property. We believe we are covered under the TPA because the lease was singed before the act expired. However, the attorney IRA XXXX XXXX representing the Loan Servicer RUSHMORE, is completely ignoring this act and does not want to honor the terms of the lease to allows to stay in the property until XXXX/XXXX/XXXX. He wants us out by XXXX/XXXX/XXXX, in two weeks. 

My questions to you are : Are we covered under this act since we signed the lease before the expiration of the act? What can we do to force them to honor our lease? 
I will be XXXX years old in XXXX XXXX, and need the extra time to find another placeI will appreciate your prompt response to this email and please forward to the the proper enitySincerelyXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-16 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Credit decision / Underwriting — 
Company: Reverse Mortgage Solutions, Inc.
State: VA

Complaint narrative:
my sister 's house was foreclosed over {$3800.00} taxes she did n't pay in XX/XX/XXXX the mortgage company she was doing business with reverse Mortgage solution put a clause in saying she was responsible for pay taxes she paid XX/XX/XXXX up to XX/XX/XXXX and then reverse mortgage paid XX/XX/XXXX and XX/XX/XXXX XXXX or reverse mortgage solution office paid they gave one month notice the house was been auction a buyer came in put down {$20000.00} deposit we spoke to the buyer he agreed not to buy the house he just wanted his {$20000.00} deposit back reverse mortgage Solutions refused he was forced to settle or he will lose his {$20000.00} and my sisters court XXXX XXXX the judge will tell her to move out after 30 years she lived here she is retired XXXX years old she got her settlement papers so it 's hard to do any contact with the mortgage company XXXX XXXX way and they refused to give her any information is very difficult to work with we had we had a lawyer working on it too and he could n't get any information from the mortgage company order XXXX XXXX himself a rip-off

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-21 00:00:00
Product: Money transfers — International money transfer
Issue: Other service issues — 
Company: Paypal Holdings, Inc

Complaint narrative:
Hello i have also contacted the attorney general before but no resolution was made, this address i used is just temporary my real address is in XXXX my Paypal account was suspended in XXXX 2016, my money got cleared after 180 days i.e in XXXX 2016 but still i have n't got my money, Paypal does n't allow me to add a XXXX bank account neither i can not transfer my money to someones else paypal, i gave them XXXX paypal accounts, but they suspended those accounts also, the resolution was made that i can add a XXXX bank account to withdraw my money, but when i am adding that it is not adding giving me the error that your bank account can not be added try again later, i contacted paypal 1 representative told me to again verify my id and my bank statement, my question is that my shall provide my id, i worked on paypal 1 year and all things were verified, now when there is no relation b/w me and Paypal why should i prove myself again, it 's against the laws in my view, since there is no need for my id now as there is no relation b/w me and paypal, further i do n't have a XXXX bank account as it is common sense that a person living in XXXX how should have a XXXX bank account, so i asked a friend but he told me that XXXX bank charger 15 to 20 % tax, i am a fool that i earned my money through hard work, shipped all my items paid all the taxes here, paying penalties on my loans as paypal has not given my money since 1 year, paypal is just keeping my money and earning interest. 

I want a fair and best resolution that paypal should now give my money or else i will drag them to international court of justice, i am in too much XXXX due to my loans, further noone is giving my his paypal for money transfer as everyone is scared due to the policies, neither do i have too much known people who have paypal. 
I now do n't know any way paypal should give my extra XXXX $ now for taxes if they want me to withdraw in US account, other option is that they can send me money order to XXXX, i dont want any other reply from paypal other than XXXX $ or my money order, that 's it thats my full and final resolution or else i will drag paypal to the courts now

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-27 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: NATIONS RELIABLE LENDING LLC
State: TX

Complaint narrative:
Lender Nations Reliable Lending aka XXXX NMLS ID # XXXX located at XXXX XXXX, Texas XXXX originated a conventional 10 year fixed cash-out refi for my home. NRL provided a truth in lending ( TILA ) closing disclosure that outlined the terms of the loan including no-prepayment penalty and no balloon payment. Due to NRL 's miscalculation of P & I payments as evidenced by the Amortization Schedule a balloon payment results in the final balloon payment of over XXXX payment which exceeds the error tolerance of {$100.00} or .5 % of loan face value. It is highly likely that this error is systemic and has impacted a significant number of loans originated during the same time frame and/or prior. The harm that has resulted are as follows : 1 ) Loss of time having to recollect documentation to re-close the note. 
2 ) The potential loss of opportunity to capitalize on prevailing market rate at close 3 % with points. Currently approx. 3.75 % 3 ) Expenditures associated with having to consult both legal and accounting professionals regarding recourse and financial documents for new underwriting requests.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-07 00:00:00
Product: Other financial service — Check cashing
Issue: Fraud or scam — 
Company: First Sun Financial Inc
State: FL

Complaint narrative:
XXXX issued a check payable to our customer, XXXX AND firstsun financial inc. XXXX negotiated the check locally and received all the funds. we never endorsed the check or received any funds. XXXX even told us personally that he cashed it. i filed notarized check fraud affidavit for nonendorsement thru XXXX who says they submitted to XXXX in XXXX XXXX they said then that the bank said it would take 90 days. that passes 2 months ago. i have made repeated calls to the insurance company. i called the bank, they refused ant info, status or comment about my affidavit ... ..was it received? ... did they debit it back thru XXXX??? ... did they already refund XXXX?? as a XXXX, i know that such matters require tracing back the guily party ... .the bank or the insurance. i need to start with you to see what the bank has done. in my XXXX years of XXXX, i know that no problem next to major litigation takes this long! quite simply..they take my affidavit and the endorsement complaint, send as returned item thru XXXX who returns it to the negotiating bank, who might even send it to the local branch that took the item. either way it is THEIR responsibility to get funds from the customer. in the meantime, all parties should have been refunded along the way. 
I ask your help to investigate this matter with XXXX XXXX. we need to know what they have or havent done. 1 am attaching a copy of the check that was provided. I think 6 months is enough!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-04-23 00:00:00
Product: Payday loan — 
Issue: Can't stop charges to bank account — 
Company: Guidiville Indian Rancheria
State: IN

Complaint narrative:
XXXX indiana I borrowed XXXX from multi source payday loan company can not contact anyone from this company they send no email to let me know they are taking more out each month so far I have paid XXXX $ on this XXXX loan

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-01 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX SOC SEC # XXXX DOB XX/XX/XXXX XXXX, XXXX XXXX Equifax XXXX, XXXX XXXX XXXX Dispute Department XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX. 

I recently submitted a request for investigation of an Acct Number : XXXX ACC # XXXX this is a fraud account -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - Please update my number to my fraud alert to XXXX Those inquired are not mine XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX I 've submitted enough information regarding the fraudulent account that 's open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your XXXX system you would have noticed that this account is not mine which your companies have claimed to " Verified ''. Since you 've obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in XXXX v XXXX, XXXX v. XXXX ( XXXX ), and XXXX v. XXXX, XXXX et, the courts ruled each and every time that the CRA could n't merely " Parrot '' information from the creditors and collection agencies ... that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the XXXX system that does n't even contain my reasons for the dispute is not reasonable. 
If you do n't initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which I 'm sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 

XXXX SOC SEC # XXXX DOB XX/XX/XXXX XXXX XXXX, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-16 00:00:00
Product: Credit card — 
Issue: Other — 
Company: U.S. BANCORP
State: MO

Complaint narrative:
XXXX XXXX XX/XX/2015Ten years ago I was XXXX. I used a U.S. Bank credit card to to buy XXXX on line. Before I realized it, I had spent {$5000.00} and owed U.S. Bank {$5000.00} more. What with interest rates and late fees the amount I owed skyrocketed.I got off the XXXX but the debt remained. I was living on an inheritance. I found a job paying $ XXXX/hr. USB wanted their money in the worst way. I could n't keep up with the monthly payments. I have less than bad credit anyway so I decided to stop paying USB ( my only credit card ). Then the letters and phone calls from USB started. I told them I did n't care about my credit so go fly a kite ( I used those words. I am a XXXX man and do not use profanity. ) The harassment continued. I felt bad that I owed the money but had no way to repay it. Finally, 4 years ago USB made a deal with me to pay $ XXXX/mo with no interest. 
Long story short, I have paid down the amount over the years from {$4700.00} to {$1600.00}. I read the article in XXXX about cfpb. I am XXXX years old now and living on XXXX. Is there any way you can help me get that remaining debt canceled or reduced. $ XXXX/mo would be useful to me as I just retired. They want it by the XXXX of each month. I have very few options in this matter. Thank You, XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-15 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: Navient Solutions, LLC.
State: MA

Complaint narrative:
My XXXX loan XX/XX/XXXX. {$54000.00} XXXX sold to Navient XX/XX/XXXX my XXXX loan, sold to Navient was {$53000.00}. 
Today, XX/XX/XXXX my Navient loan is {$53000.00}. 
In Sixteen Years, I have had various sums of money taken automatically out of my checking account every month. Maybe 3 or 4 mixups during the changing from XXXX to navient. Can some one tell me why?? Why not one XXXX of my principle has gone down in Sixteen years. 
When my daughter XXXX XXXX XX/XX/XXXX we looked toward our lender for help and guidance as to what was the minimum payment we needed to make in order not to be turned over to a credit bureau. We were told to go on a forbearance. We followed their instructions. I believe during that time, XXXX took advantage of me and my family. Can it be possible that I have GIVEN XXXX of dollars to XXXX and Navient, and have not brought my principal down????

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC.
State: MI

Complaint narrative:
I had my student loans serviced by navient. Being a XXXX i was elligible for the public service loan forgiveness. I was lead to beleive that for many years that my payments were going toward the 120 payments. My payments were not elligible because of the plan i was put in. Luckily i switched them back to XXXX and they informed me that the payments werent acceptable. I paid them for five years. Now i am XXXX and i had to start over on my 120 payments.

Company response to consumer: Closed with explanation