vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-04-15 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Flagstar Bank, N.A.
State: CO

Complaint narrative:
My husband is in the United States XXXX XXXX XXXX and with the budget issues last XXXX, his pay was frozen and we became behind in our mortgage payments. We called to try to work something out and we were told that we needed to pay, and that we should just borrow the money from someone. Finally some money from the XXXX XXXX started to come in ( we were 2.5 months XXXX at this time ). We called to make a payment and they stated that we needed to make XXXX payments ( which was a completely different story from when I had called a week earlier ) and they would not accept just XXXX payment. Luckily, we were able to borrow some money from a family member and made the 2 month payments. Once we made this payment, they sent us a letter saying that they would no longer accept payments from our bank, that we needed to send in a money order, cashier 's check or pay by XXXX XXXX. Both of us work full time ( XXXX - XXXX ) so getting to a bank during normal business hours is near impossible. So far I have sent XXXX payments via XXXX XXXX ( costing us a fee, of course ) and that was a painful process ( they can never find the correct business to send it to ). Today, I tried to make a payment and they could not find the business to send it to, we also had a friend who wanted to call and make a payment on our behalf and would not allow her to pay over the phone. This company is making it VERY difficult to make a payment, it is almost like they want us to default on our loan so they can take our home.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PRIMELENDING, A PLAINSCAPITAL COMPANY
State: MI

Complaint narrative:
When I originally signed my mortgage agreement ( a 30 year fixed rate FHA loan XXXX, I was given an estimated monthly payment of {$1400.00}. Of this amount, about {$820.00} was principal and interest and the rest was escrow XXXX property taxes, insurance, mortgage insurance, etc. ). Both my mortgage agent and the mortgage originator were aware that my property taxes would be adjusted based on the selling price and I was told that the {$1400.00} was an accurate estimate based on all available information at the time of closing. As it turns out, this estimate was very far from being accurate. 

After being in the house for approximately 1 year, I was told that my monthly payment would be going up by {$30.00} per month. I was not happy about this, however, I understand that it is not always possible to accurately estimate expenses so I paid it without complaint. Then about 1 1/2 years after closing ( which was about a month ago ) I received a letter saying my monthly payment would be going from {$1400.00} to {$1700.00} per month, primarily due to higher property taxes. 

This was upsetting for several reasons. First, I can not afford to pay an extra {$240.00} per month for home. Secondly, the property taxes due for 2015 were based on the selling price of my house XXXX not a higher value ) and this was known when my original escrow was calculated. Third, when I called my mortgage service noone ( not even the " operations manager who I waited on hold for 30 minutes to talk to ) could explain how this outrageously higher escrow amount was calculated. All he could say is " Well, it looks like your property taxes went up. '' When I explained that my mortgage company knew they would go up and by how much when my original monthly payment was given to me he had nothing to say. 

To me, this seem like a classic " bait and switch '' tactic by the mortgage agent, the mortgage originator or both. I say this because all of the information needed to give me an accurate estimate of my monthly payment was available when I closed on my home. Instead of providing accurate information, they ( apparently ) estimated my escrow based on property taxes that they knew were lower then those that I would have to pay. I am shocked and want to know if this is legal and XXXX if so ) how it could be so. After all, all other types of installment payments ( that I am aware of ) require an accurate disclosure to the consumer of their monthly payment obligation. After all, if this is not provided how can the consumer determine if the home is affordable or not when they make a 30 year debt obligation. 

Thank you for your time and I look forward to your response.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-30 00:00:00
Product: Credit card — 
Issue: Other — 
Company: Paypal Holdings, Inc
State: MS

Complaint narrative:
PayPal credit just called my cousin XXXX and disclosed my financial information to him, and they do not have any authority to contact him for any reason.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-04-03 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PRIMELENDING, A PLAINSCAPITAL COMPANY
State: TX

Complaint narrative:
My wife and I mortgaged a home in XXXX or XXXX 2015 with PrimeLending A PlainsCapital Company. When we signed the mortgage we understood that " ALL '' escrowitems would be paid for in our house payments. On XXXX/XXXX/15 I received a letter from Prime stating that I owed an additional {$2000.00}!!!! I called Prime ( XXXX ) and spoke with XXXX XXXX. XXXX told me that Plains did not make the payment high enough to cover all escrow items. 
This is preposterous, Prime was negligent in not reviewing my account in a timely manner! 
XXXX told me that at least XXXX item in escrow account was unknown to Prime until review. 
I believe that Prime needs to be punished for what they did and prevented from doing so again in the future. 

.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-05 00:00:00
Product: Prepaid card — General purpose card
Issue: Managing, opening, or closing account — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
My paypal account was permanently limited by Paypal on XXXX. I have contacted Paypal several times, but customer service department could n't explain to me why it was limited since it was done by another department. I have over {$3000.00} in the account and could n't be transferred to my bank account due to limitation. Paypal said that it will be held for 180 days. I dont think that it is legal to hold the money for that long time without proper explanation.

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 2015-10-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Settlement process and costs — 
Company: PRIMELENDING, A PLAINSCAPITAL COMPANY
State: SC

Complaint narrative:
The night before closing, our lender Prime Lending called to say there was a problem with our loan. The long and short of it is we were told for nearly 4 months, including a Uniform Residential Loan Application and an estimated cash to closing work sheet, that Prime Lending would match a {$3000.00} credit the preferred lender for our builder was offering. When we locked in our rate, the credit as well as our earnest money was not showing. I was assured in an email that the earnest money and credit were there " Your credits were removed, but you will definitely get credit for your {$5000.00} Earnest Money deposit. The {$3000.00} Lender credit will be negotiable depending on the rates. Right now, the markets are very volatile so we are seeing a lot of movements and sometimes not in a positive direction unfortunately. Again, we will continue to monitor the rates for you, but we will most likely iron down the fees within the next few weeks before your closing. " There was never any negotiating mentioned before this. The night before closing we were told that in order to honor that credit the loan would have to go through their corporate and legal departments which could delay closing for days. We did not have days to delay we had to be out of our rental and could not afford to pay for 2 moves plus storage. They were able to match {$1900.00} of the {$3000.00}, but we had to pay the difference.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-03-24 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Flagstar Bank, N.A.
State: NM

Complaint narrative:
I was a victim of Flagstar Bank 's default servicing practices that were identified in your 2014 Consent Decree. I was forced into bankruptcy due to Flagstar. Upon dismissal if bankruptcy, I was to obtain modification from Flagstar, but at the same time the mortgage servicer was changed from Flagstar to XXXX XXXX and I had tremendous problems with XXXX and Flagstar obtaining information related to the terms and conditions of my modification. Even though XXXX XXXX was identified as my mortgage servicer, Flagstar has taken me to court and now wants to foreclose. it has been unclear to me who the current servicer is even though I know that the companies are supposed to give notice when there is a change. I have also noticed that you have obtained a Consent Order against XXXX XXXX. I am nor sure where I stand regarding ether of these Court Orders. At a minimum, I believe that neither company has complied with the terms of the Court Orders. Can you please advise me where I stand regarding the XXXX Court Orders.

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 2015-10-16 00:00:00
Product: Credit card — 
Issue: Credit determination — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
I have found a XXXX Hard Inquiry on both my XXXX reports from XXXX XXXX 2015. After research I found the originator of these inquiries from PayPal in which I did not apply. XXXX causing damage to my credit reports and score. With all the investigations and ongoing complaints regarding PayPal and it 's credit methods and problems I most certainly would not involve myself with PayPal credit. I am not sure if this was a mistake or fraudulent activity. But I have noticed other forums or internet sites stating around the same time or even earlier in XXXX similar occurrences. They state the industry standard for even handling a dispute of this nature is 60 days in which I myself rarely have had to dispute any discrepancies but found most companies to handle or correct the situation promptly. Generally resolving issues within just weeks. I also feel this practice of PayPal with their odd processes and systems in which PayPal themselves have recently been held accountable for should have a better system in place to handle and correct the many situations or discrepancies many have been having with PayPal.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Settlement process and costs — 
Company: PRIMELENDING, A PLAINSCAPITAL COMPANY
State: TN

Complaint narrative:
XXXX XXXX from Prime Lending in XXXX is deceiving and should get fired and not get a job where anybody has to depend on him. He is/was the lender for the buyer of our home. According to the contract, we were scheduled to close 45 days out ... plenty of time for my lender to get everything done, but not for XXXX XXXX. Here it is 19 days after the initial XXXX and are sitting outside of our new home with XXXX trucks unable to get moved in because XXXX can not get his act together. He blames everyone else for the problems and will not take responsibility for doing such an awful job and botching this whole process over and over again! When he sent the closing documents to the closing attorney, the numbers did not match and information was incorrect. I mean, seriously!! You use a computer to type the info in and still can not get it right?!? What makes things even worse is that the auditors who review the loan at Prime Lending did not catch any of the mistakes and approved it! I guess no XXXX there is competent! We have had to pay for an extra day of rental for the trucks and had to stay at a friends house last night. I have bought a house before and this is the worst experience I have ever had. My realtors even said that this is a horror story for the books! Buyers, if you are serious about a home purchase, do not use XXXX XXXX or prime lending because you will never get in your house. Sellers, if you see that the purchaser is using Prime Lending for their mortgage, tell them to use another company or do not accept the contract. This whole process of selling our home has been a nightmare. XXXX XXXX and Prime Lending need to realize that their actions have consequences. This has affected my spouse, our realtors, the purchaser of our old home, the seller our new home, my wallet ( because of unnecessary expenses ), my job, and 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 2015-08-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Flagstar Bank, N.A.
State: TN

Complaint narrative:
Flagstar bank did not pay my home owners insurance from escrow account for 2014. The only way I found that out, having to file a claim on house damage. Instead of assisting to get the damage fixed, they assigned me forced insurance, and I have been denied from their insurance company, while I would have had it taken care of with my original insurance company. Now, no one will answer e-mail or phone calls and my house has XXXX of dollars in damage.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-07 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Other service issues — 
Company: Google Compare Credit Cards Inc.
State: OH

Complaint narrative:
XXXX through Google wallet had a lot of tech and other issues. I was being charge without getting the product. from XXXX XXXX. I 've been fighting with tap joy until XXXX XXXX when I filed a XXXX complaint on tap joy. I then contacted Google wallet Ans one rep gave some of the refunds back but his system would n't do the rest so he stated contacting my CC company to file a dispute. I did and they acted, Google closed my accounts requesting verification ID Card No. before they could open back up my account, I sent them the info, they stated within 24 hours my account would be back open. But then they contacted me back stated they suspended my account and will not open it until I ask mt credit card co. to reverse the charges back to them. ( They lied to me just to get my ID SSN and my credit card info. ) And now they kicked back the emails and responses to cover up their misdoings. after I told them I am going to report them.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-22 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: Paypal Holdings, Inc
State: TN

Complaint narrative:
I made purchases using my Paypal credit product. One of the items purchased was defective and returned to the vendor. A refund of that item was never credited to the account. Upon request to file a charge back and get the appropriate credit, Paypal refused to allow me to file the charge back and initiate an investigation. I offered to them as evidence the Email the vendor sent regarding his reciept of the return and he even stated he " issued a refund and to please advise him if I see it now ''. I emailed the vendor back that I had not received the refund but have seen or heard nothing from the merchant. 
I therefore decided to file the charge back but Paypal refused to allow me to do so

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-05-15 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: United Resource Systems, Inc
State: NC

Complaint narrative:
In XXXX I received an XXXX credit report, through a paid credit monitoring account I have with them, showing a debt in collection through United Resources Systems, XXXX XXXX XXXX XXXX, XXXX, CO. I disputed the debt and the collector could n't verify it was owed so it was removed. In XXXX XXXX I ordered my XXXX annual bureau reports and found XXXX and XXXX also had the collection listed by them so I filed disputes with them around XXXX XXXX, XXXX. XXXX XXXX, XXXX XXXX reported the creditor could n't verify debt owed and it was removed from my report. XXXX XXXX, XXXX XXXX reported that the collector had in fact verified that I was responsible for the debt and the collection would remain on their credit report for me. XXXX also said they could n't furnish me any documents from the dispute and they did not investigate but went by what the collector supplied to them. I was told to contact the collector for documents when I asked how could a collector not be able to verify a debt with XXXX bureaus but was able to verify with XXXX. I contacted the collection agency after receiving those documents to tell it the information sent from the company they were representing, XXXX XXXX, was false. The company is a former employer that is trying to represent travel expenses as a personal loan to me. I sent the collector copies of receipts beginning with a rental car receipt from XXXX XXXX, XXXX, paid for by XXXX XXXX to XXXX XXXX, XXXX. I included taxi, hotel and fuel receipts showing what I was reimbursed for and my bank statements showing the sums being deposited to my account. The former employer is claiming the final receipts I submitted on XXXX XXXX, XXXX were a loan instead of travel expenses as retaliation for choosing to end my employment that day because after spending over 20 days in FL hotels after they sent me to get a vehicle from a shop, and it ended right back in the shop the next day in a hotel they paid for in XXXX FL for about 3 days, and then the day after it left that shop it ended up in another shop in the XXXX FL area, leaving me in another hotel for until XXXX XXXX.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-05 00:00:00
Product: Debt collection — Payday loan
Issue: Communication tactics — Threatened to take legal action
Company: EZCORP, INC.
State: TX

Complaint narrative:
I get calls from different people stating to call the plantiff. They have called my ex mother in law XXXX times stating they are looking for me to take me to jail. the latest they called my home and said they were going to my job between XXXX and XXXX yesterday. Stating I could call the attorney at XXXX to stop it. They have also called my elderly sick parent stating the same. They are calling for XXXX XXXX ( My former married name )

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-10 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: BANCORPSOUTH BANK
State: MS

Complaint narrative:
We are requesting a federal investigation of BancorpSouth Bank in Mississippi. XXXX XXXX and XXXX XXXX XXXX purchased a home, financed by BancorpSouth in XXXX, MS XX/XX/XXXX and were informed during the closing that they were purchasing mortgage protection also. When the application was received in the mail XX/XX/XXXX, XXXX XXXX completed this application and submitted it to Bancorp South because BancorpSouth 's name was listed on the application. This application was taken to Bancorp South. Although, BancorpSouth now states that this is not their application, XXXX and XXXX XXXX never received notice from BancorpSouth that this was not BancorpSouth 's application after he returned it to them in person. XXXX XXXX passed away in XXXX XXXX, and his wife and daughter, XXXX XXXX and XXXX XXXX, contacted the bank, who financed the mortgage and mortgage protection. The bank claims that the application is not their application, although they accepted it from XXXX XXXX in XX/XX/XXXX. It was also XXXX and XXXX XXXX 's understanding that the amount was included in their mortgage, which was deducted monthly from the XXXX bank account. The contact person is XXXX XXXX at BancorpSouth. Her telephone number is XXXX and her email address is XXXXXXXXXXXX. 

We sent a letter to BancorpSouth Bank on XXXX XXXX, XXXX, and BancorpSouth Bank 's attorney waited until the statute of limitations had run to respond to the letter on XXXX XXXX, XXXX. Although this was a very heartless and conniving move, we are requesting a full investigation in their handling of this matter. 

The estate of XXXX XXXX feels they are being discriminated against because they are XXXX and are being taken advantage of by BancorpSouth. Bancorp South is also refusing to produce documents regarding XXXX XXXX 's accounts, which indicate they have something to hide by withholding information. XXXX Strong, the attorney at BancorpSouth is stating that entering XXXX and XXXX XXXX social security numbers and obtaining their account information is " unreasonable and unduly burdensome. '' This is a ridiculous excuse. XXXX XXXX is requesting this information on her behalf and on behalf of the estate, and it should be sent to her. XXXX XXXX is ignoring the fact that XXXX XXXX served in the XXXX XXXX ; and since his death, his wife had to get a full-time job in her late XXXX 's, although she never worked a day in her life. She is also the administrator of the estate of XXXX XXXX. It is obvious that BancorpSouth has been mistreating and discriminating against XXXX, as they were fined XXXX dollars last month due to their unfair actions when banking and giving mortgages. See Consumer Financial Protection Bureau v. BancorpSouth Bank in XXXX, XXXX of XXXX , XXXX Division.

Company response to consumer: Closed with explanation