vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-03-15 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Other service issues — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
PayPal has my payments received on hold due to the amount sold on ebay recently, was told I had to wait for my money even though PayPal received fee. I called customer service twice on XXXX/XXXX/16 and the first time I called, I was told to call back later because the payment processing department was n't open at that moment in time. When I called later, I was told that because the items that I had XXXX were high end ( XXXX sneakers ) I had to wait three days before receiving my funds. My first issue is that I have been a member of PayPal since I was XXXX XXXX XXXX ( I 'm XXXX ) and have n't had money held since I started. Second, the buyer received the item and I still do not have my money. Third and most important, PayPal has received the fee they charge for completing the transaction in advance of distributing the funds to me. Why do I have to wait for my funds yet PayPal can take their money without waiting? This is an absurd practice. When I stated all of this to the customer service representative, they told me there was nothing they could do. I then asked to have my fees refunded as I think it is inappropriate to receive payment without rendering a service, but it was immediately declined. The ticket # for that complaint is XXXX. Account ID : XXXXXXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-11 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: I.C. System, Inc.
State: NY

Complaint narrative:
XXXX XXXX moved out of a warehouse in XXXX in XXXX 2015. A new tenant moved in XXXX 2015 and they did not convert the electric account to their name. The electric company XXXX assigned the matter to IC Systems a collections agency. IC Systems contacted us for payment on XXXX XXXX, and we advised them that we are not responsible for these charges. IC Systems continues to harass us for payment and is threatening to blemish our credit and any accounts we have. Attached is a copy of the threat.

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 2015-08-28 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: CREDIT ACCEPTANCE CORPORATION
State: NC

Complaint narrative:
A repo guy was sent to my house for a car the repo man called me a XXXX, a XXXX, XXXX! I tapped on his truck to tell him he needed to leave due to him being rude to me. When i did that he opened up his truck door and jumped at me and said XXXX i should XXXX! I told him to leave or im calling the law. He told me he will watch me every where i go.i would have given him the car until he started calling me names and jumped at me as he was going to jump on me. This is concedered breach of peace. The car broke down XXXX weeks after i bought. it. The engine has locked up in it. The cost of a new engine will be {$3900.00}. I have been unable to work due to this problem and my husband is XXXX. The guy told me i was lazy which is not true. I would love to go to work if i had a running car.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-28 00:00:00
Product: Debt collection — Auto
Issue: Communication tactics — Frequent or repeated calls
Company: The Receivable Management Services LLC
State: PA

Complaint narrative:
On XX/XX/2016 at XXXX, RMS contacted me on my cellphone from the number XXXX. I called the number back 5 minutes later to see who it was. They informed me that they were calling regarding a small debt I owed to my former auto insurance company. I informed them that I do not want to receive calls on my cellphone and gave them an alternate number to contact me. On XX/XX/2016 at XXXX, RMS contacted me again on my cellphone from the number XXXX. I informed the representative that I had requested that they not contact my cellphone when that company contacted me three ds prior to that call. The representative was extremely rude to me during the call and I had requested they either erase my debt or I would consider legal action since the company contacted my cellphone after I requested they not contact my cellphone. I had contacted the company the next day and was informed that they returned the debt to the original creditor because they could n't collect on it anymore.

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 2016-06-14 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Threatened to take legal action
Company: Mirand Response Systems, Inc.
State: VA

Complaint narrative:
Representative called asked for my spouse, stated they were not available, asked if I was me, I said yes who is this, they refused to state business name, said it was a personal financial matter, I again asked who they were, he refused said they had all XXXX digits of my SSN and I asked how, he refused to answer who they were. Told me to " take care of my financial issues '' and hung up!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-10 00:00:00
Product: Debt collection — Mortgage
Issue: Taking/threatening an illegal action — Seized/Attempted to seize property
Company: NATIONSTAR MORTGAGE LLC
State: CA

Complaint narrative:
We are in foreclosure with Nationstar/XXXX. We have been in a lawsuit against them for bank fraud that started with XXXX. But they have been ignoring the lawsuit and adding more and more charges including their lawyers fees on us. Even though the banks broke the law several times. They are ready to auction our home off with no remorse for their braking the law. Our refinance was a highly predatory XXXX where the XXXX banker did paper shifting and filed the loan with only one name on it instead of both of us. Also lying about the terms of the loan. Sneaking into it a only interest clause. Then XXXX took over. Our mortgage was so high, it was difficult so we asked for help and was refused. But the bank would call when we were late but would never talk to the wife. And would not explain why. Finally a man from XXXX started to work with ( husband ). The bank never called again. this man convinced him he would have a new mortgage soon and to just wait. But instead we had a note put on the door that they were selling the house. We found out that someone had gone into the XXXX call log and changed our phone # to an old XXXX from before we lived in this county. That way the bank personnel could n't do their job and get a hold of us. We have been waiting for them to respond to a lawsuit but instead they are not responding. They are just going to again put our house up for sale. Even our lawyer has nothing to say. Our XXXX lawyer did the discovery and found a great deal of bank fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-07 00:00:00
Product: Debt collection — Payday loan
Issue: Communication tactics — Called outside of 8am-9pm
Company: Rosebud Economic Development Corporation
State: CA

Complaint narrative:
Phone call received from XXXX at XXXX in XXXX/XXXX/2016 call was declined by me

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 2016-01-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PHH Mortgage Services Corporation
State: OH

Complaint narrative:
I refinanced my FHA loan in XXXX XXXX. For one year of payments to the current servicer, PHH mortgage, all payments in the same amount and paid at roughly the same time, typically at least 15 days in advance of due date, were applied to interest, principle, escrow, PMI and additional to principle. Suddenly in XXXX XXXX, this all changed and my payments were being applied all to principle, none to any other categories. I made an additional payment, which I did suggest to leave as principle payment, at this point I was by their own agreement paid to XXXX. I made my XXXX payment on the XXXX of XXXX, I had received notice that there was a escrow shortfall, and the payment amount was re calculated. I made a separate payment of the amount of escrow shortage. Once again, the XXXX XXXX payment was credited in full to principle, not against the XXXX payment due. I have complained, nothing is changed, and I just received a collection call from this lender. PHH is the same predatory lender that I thought died in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-23 00:00:00
Product: Debt collection — Mortgage
Issue: Communication tactics — Frequent or repeated calls
Company: PHH Mortgage Services Corporation
State: TN

Complaint narrative:
PHH Corporation will make repeated calls " Robo calling '', so when I pick up no one answers, they pick up one time and had a real person. These calls are in reference to a {$60.00} escrow that was tacked on and we were not notified by mail or e-mail so they started the harassing calls the next day.I 'm on the do not call list and registered a FCC complaint as well.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed
Consumer complaint received 2015-03-23 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: EXPERT GLOBAL SOLUTIONS, INC.
State: CA

Complaint narrative:
NCO financial was the owner of a prior debt. Five days after I settled this debt the same account was sold to another debt collector. The new debt collector XXXX XXXX refuses to remove debt from credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-29 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: American Credit Bureau, Inc.
State: FL

Complaint narrative:
I sent letter to debt collector/creditor to verify debt I received no response and/or documents. I mailed letter on XX/XX/2016 and have proof from post office verifying this. I have complied with all credit reporting laws and have given the appropriate time to respond and would like this matter resolved and deleted from all credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-08 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Indicated committed crime not paying
Company: ZIONS BANCORPORATION
State: UT

Complaint narrative:
XXXX and XXXX At Zions bank took {$4400.00} out of my cash reserve with out notice, they said they were ordered to take it out, I told them I did n't owe anyone money and maybe they were looking for somebody else after they reviewed the collection they saw that it was not my debt and they told me they where going to charge it off and not to worry about it years later XXXX and XXXX have been calling and and harassing me to pay it saying I owe him {$8000.00} this is not my debt they stole money from me I want them to correct the situation and give me {$10000.00} for harassing me for the last XXXX years I want him to take it off my credit as well this is not my Debt have them Prove that it was me they where after for the collection of the Debt and that it was me they where ordered too take money from and you 'll see that this was not my debt XXXX just did the same to their costumers as well

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 2016-07-07 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PHH Mortgage Services Corporation
State: PA

Complaint narrative:
I have received many phone calls claiming to be from PHH mortgage. When I do not answer, they do not leave any kind of message. When I do answer, they do not say anything and after a few seconds they hang up. I was able to get a someone to respond once. He had an accent and said I was late on my mortgage payment. I have NEVER been late on a mortgage payment, nor had I received any notices. 
A few days later I received a notice ( almost 2 weeks after the calls started ). I called PHHmortgage asking why it says I 'm late on my payment. According to the representative, my payment was applied to " principle only '' and the computer was not recognizing the payment. The representative said he made the correction and also advised that these phone calls were probably from their collection office. 
The mortgage rep was not able to confirm the calls were legit! 
This is the second time this has happened! And I am still getting calls even after I supposedly fixed it with the mortgage rep.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: MI

Complaint narrative:
Hi, My name is XXXX XXXX, my loan was transferred to Nationstar Mortgage in XX/XX/2013. Since, then I have to contact them multiple times out the year just to ensure the correct amount is paid on my taxes. This is the worst company!! When I returned home from work, I received a letter stating I have a surplus in my Escrow account of {$870.00}. This is not correct as the Taxes for my Summer Taxes were {$2500.00}, and {$140.00}. And my winter taxes were {$23.00} and {$450.00}. XXXX XXXX {$1300.00}. Yet, on the Escrow statement they sent me it has my City Tax as {$1900.00}. My total for my Escrow Account not including MIP was {$4400.00}. Yes, they have total disbursements as {$3300.00}. This is a difference of {$1000.00}. This has been an ongoing issue, not mention very stressful. I believe part of the problem is their computer software is OLD and out dated. Can someone please assist me?! I have spoken with XXXX XXXX and XXXX XXXX at the Ohio office. Last year, before XXXX XXXX said he would flag my account so this would not continue to be an issue. Guess, he did not.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-20 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: TX

Complaint narrative:
My lender refuses to work with me. 

Initially Select Portfolio Services made me an offer for loan modification but once I received the offer, my wife had an accident and injured herself. 
My wife fell at home and XXXX. She is XXXX now and unable to work. We have lost her income and fear her XXXX will be permanent at her age. 
We are simply asking SPS send us a new application for modification due to the fact we have experienced this new, unexpected change in circumstance. Also, the reduction off our household income is greater than 30 %. SPS ignores our requests for help and refuse to help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Settlement process and costs — 
Company: NATIONSTAR MORTGAGE LLC
State: CA

Complaint narrative:
I did a modification with Nationstar Mtg. in 2013. In my modification is was unclear that they were adding a XXXX trust deed for the arrears. This has created a financial hardship for me due to the loan limit restrictions for XXXX XXXX. The subordinated note provided to me states that this loan is due in XXXX. It was completely unknown to me that this was a balloon payment. On this document they failed to indicate that there is a balloon payment feature. When I spoke with them I was under the impression that this amount was being forgiven not added as a second with a balloon payment. They contacted me several times on different occasions to sign documents and sent out a notary public each time. When I asked what they were for, I was told that is was to finalize my modification, no mention of a second. After sending XXXX different people out Nationstar Mtg. approached me a 5th time and offered me {$1000.00} to sign the docs. As I was going through financial hardship I accepted the money and signed the docs and was mislead as to the actual terms, as I thought this was to modify my original note not to add a second note. Because of the FHA loan limits I am unable to refi. I would like to know If this amount can be forgiven as I was initially lead to believe it would be. It is my request that this amount be forgiven due to misrepresentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-21 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC
State: TN

Complaint narrative:
NationStar is playing the victim instead of actually reviewed my account. They were then and even now. I received a letter from them in the mail on XXXX XXXX, 2015. The letter is dated XXXX XXXX, 2015. My question is, how long did it sit on someone 's desk before actually being placed in the mail to be sent to me. In my opinion, seems as though they know these type of issues are time sensitive, so they hold it as long as they can, so by the time it makes it to the customers it 's already to late. With that being said they said in the letter, that their goal is to provide a response no later than XXXX XXXX, 2015. In my opinion, they only sent this letter because they were contacted by you all at Consumer Financial Protection and Nationstar is just trying to make themselves look good. They know that they are a bunch of crooks, preying on the low-income family member. Not fair, not fair at all. I hope that someone could really review my case and take care of this. I was cheated and they know it.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-29 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: TX

Complaint narrative:
I requested documentation from Nationstar Mortgage, on how much it would cost to pay-off the loan on my home. On XXXX/XXXX/2016, they sent me a document stating almost {$9000.00} and that I had until XXXX/XXXX/2016 to pay this amount in full. I paid the entire amount by wire transfer on XXXX/XXXX/2016. On XXXX/XXXX/2016 I called to verify that the payment was received and was told by the person who answered the phone that I would be charged an additional {$500.00}, because I missed the XXXX/XXXX/2016 cut-off. This was not stated in the initial letter and I feel like I 'm being ripped off by NationStar. The full pay-off has been received by Nationstar, plus they sent me a {$99.00} refund for overpayment. How do I get an overpayment refund and then get charged for missing a non-disclosed cut-off? This is unfair.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-16 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: BB&T CORPORATION
State: MD

Complaint narrative:
This is regarding an auto loan I have with Regional Acceptance Corporation -- They have been ripping me off big time. I got the load in XXXX of 2012 for {$23000.00} ; I have been paying {$550.00} a month for three and a half years ( I do admit missing a few month 's payments - about XXXX in 3+ years ) and they claim I still owe {$21000.00}. What interest rate have they been charging? They do not abide by what is stated on the first page of the contract under the " Federal TRUTH in Lending Disclosure '' ; instead they have converted the contract from a SIMPLE interest transaction to a COMPOUND interest transaction -- there can be no sound legal basis for them to do so. The way they apply the payments I make is not clearly stated in the contract -- why are they allowed to do this to their customers? This is robery/stealing!!!

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 2017-02-14 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: VA

Complaint narrative:
I have been trying for 5 months to make my mortgage payment. When I call they add on additional fees that was not reflected in the statement they mail me. So I then work to get the money call back and they have added more fees. I am now in foreclosure. I called on a Thursday to make a payment in full of around {$5000.00}. They said they could n't tell me exactly how much I owe and I would have to call back on Tuesday. I called back and they had added over {$2000.00} fees in foreclosure fees. They said they had to request those fees from a third party that 's why they could n't tell me how much I owed on the Thursday before when I called. My monthly statement did not reflect these fees either. They stated they do n't have to reflect the fees. So now I owe over {$7000.00}. They will not accept a partial payment. It has been a circle of issues with the payment for around 5 months. I call in to make a payment and they tell me I owe {$1000.00} more due to fees than what is reflected on my statement. Basically, I get my statement in the mail, called the day after I received it and they told me I owed {$810.00} more that what my statement showed. I asked them why was it not reflected on my statement and they say they do n't have to. Every time I call now they will not work with me to collect my payment. They say to call back in a few days. I want to keep my house but they are not allowing me to make a payment.

Company response to consumer: Closed with explanation