vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-10-28 00:00:00
Product: Prepaid card — Payroll card
Issue: Unauthorized transactions/trans. issues — 
Company: Empowerment Ventures, LLC
State: MD

Complaint narrative:
RushCard has stopped me from taking money out of my account I have tried to contact them for the last XXXX hours and I 've been put on hold for at least XXXX hours and then hung up on or I will talk to a supervisor and they will put me back on hold and they will hang up this has been an ongoing problem I see charges on my account that I have not purchase anything because I have not been able to use my card I 'm not able to pay my bills because they 're holding my money

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-04-20 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
I can not access my account and never received the credit card. I am attempting to make a payment as I have made a purchase on my XXXX account. The customer service representative can not accept payments and the automated system that it refers you to only hangs up XXXX. The customer service rep for XXXX said she does not have another number that I can reach out to Synchrony Bank at she told me to call back after XXXX. I ca n't get out of a loophole with simply trying to obtain my credit card and simply making a payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-20 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene/profane/abusive language
Company: Thunderbird Collection Specialists, Inc.
State: AZ

Complaint narrative:
I received a phone call on my cell phone demanding to talk to someone that my number does not belong to. I do know the person but I very seldom talk to her. I informed the person calling that I no longer talk to this person and he got angry and said I need to tell her to call him. I again told him that I did not talk to her anymore and he got more nasty and told me that she put me down as a reference and I needed to tell her to call him. I again informed him that I did not talk to hardly at all anymore and he said that he did not pull this ( my ) phone number out of thin air and to give her his number. He refused to listen to me that I did not talk to her anymore and continued to harass me about her. I finally told him I would take his number just to get him to leave me alone and stop harassing me. He would n't tell me who he was with so I had to use a reverse phone directory to find out who was harassing me. It seems that the person he was calling about owes money, this has nothing to do with me, I know nothing about this debt and he would not get off my phone. he got nasty and kept harassing me about someone I no longer live with or talk to very often.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-09 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
PAY CREDIT CARD COMPANY FOR A DELETION, LOWES CREDIT CARD

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 2015-05-20 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: First Associates Loan Servicing LLC
State: MI

Complaint narrative:
I XXXX from XXXX XXXX XXXX in XXXX XXXX, MI XXXX in XXXX, 2011. I received a federal student loan & also a student loan through XXXX ( XXXX ). I can not afford the payments for this loan. No one will touch this loan to refinance it because it is through XXXX. They will do absolutely nothing to work with me. In the beginning of XXXX, I called to speak to someone there & phone rep told me that I had 180 days to catch up on my current payment before it would affect my credit. Sure enough, they have reported to the credit bureau that I am behind. I am currently trying to obtain a mortgage & have had a clean credit report for the past XXXX years until now. Because XXXX reported my student loan after telling me that I had 180 days to pay the difference I owed. My credit report states that I am over {$500.00} behind. My monthly payments started out at {$220.00} & approximately 90 days later, they raised the monthly payment to {$340.00} per month. I can only anticipate they will continue to raise it. I currently owe them nearly {$1500.00}. Additionally, XXXX has been XXXX big scam from day XXXX. They did not follow through with the services they promised, such as job placement. I owe nearly {$60000.00} in student loans for an XXXX XXXX. Not to mention, this private loan they conned me into. 
I am fortunate that I did find a job on my own, however, it does not pay as much as I would like. My wife works part time & has a student loan as well. So we have XXXX total student loans that are close to {$100000.00}. Something has got to give.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-15 00:00:00
Product: Debt collection — Payday loan
Issue: False statements or representation — Impersonated an attorney or official
Company: Ditech Financial LLC
State: PA

Complaint narrative:
Took out a payday loan and paid it off in full in XXXX 2014. I called the company directly after I received the collection call and verified the account was paid off. Someone called today claiming to be from XXXX XXXX firm. Told me theat my account was delinquent and that I needed to pay ~ {$600.00} or there would be legal action. This individual knew my name, email, and social security number. I did not pay anything to this individual and was instructed to call them back today or else risk the legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-19 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: PA

Complaint narrative:
I sent a Money Gram for {$490.00} to an individual. I received a notice from someone supposedly in the same office that the recipient received the money but had an automobile accident and because of some electronic problem I was asked to send the same amount of money in order to re- ceive a refund. I was n't going to make a second mistake by complying. I attempted to speak with personnel from Money Gram, but between the person 's accent and poor telephone connections, I am unable to understand most of what she is saying except that the person did receive the money. She attempted to tell me what I should do, but most of our con- versant was unintelligible for me. Of course, no service was given for my laptop.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-25 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: HUNTINGTON NATIONAL BANK, THE
State: MI

Complaint narrative:
This occurred at the Huntington Bank/XXXX, Ohio.On XX/XX/2016 I applied for a personal loan and they correctly requested a copy of my credit report on the same day from XXXX ; which is all fine.After clearing up mistakes made by the underwriting dept. at HB the loan for XXXX was finally approved. On XX/XX/2016 I received a letter from HB underwriting concerning an increase in my HB credit card limit and this is where their electronic filing system failed their underwriting department.He mentioned a possibility of needing to look at my credit report and I assumed they would look at the one HB underwriting requested just 12 days earlier on XX/XX/XXXX.They could not locate the CR requested on XX/XX/XXXX so I am being penalized with XXXX hard hits on my credit report.All banks require any credit requests be processed thru their underwriting departments. HB underwriting 's electronic filing system failed them as they already had my current credit report just 12 days old on record.I have asked HB repeatedly to send a redaction request to XXXX on the XXXX requested unnecessary credit report due to the failure of their electronic filing system to produce the credit report requested on XX/XX/XXXX. 

Why should the consumer be penalized on a request for a XXXX credit report within 12 days of each other? It was HB 's underwriting dept. who failed and still can not find the XXXX credit report requested on XX/XX/XXXX.They deferential respond was their systems are not integrated and much improvement is needed.Credit reports are full of confidential information and should be electronically filed under the applicant 's SS # .HB 's cavalier attitude about the consumer 's credit reports and their confidentiality leaves much to be desired./where is that XXXX credit report? The Banks like this have too much unbridled control over the ordinary citizen ; this is why I have reached out to the CFPB as I am done trying to work with them. 

If you can provide an e address I can send all the written messages back and forth with Huntington Bank as you see fit sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-28 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: ERC
State: NY

Complaint narrative:
I am XXXX on state aid I was suppose to get a free government phone from XXXX they sent me a bill 10 days after I received the telephone and I contacted them to tell them it is a free government planfree phone and free 500 minuets they transfered me and talked me in circles I mailed the phone back 2 years ago before the month was even up. I owe them nothing I was told it was a government program I signed nothing and they had their phone back in their possesion within 22 days I want them to remove this Scam off my credit report

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-27 00:00:00
Product: Credit card — 
Issue: Sale of account — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I had a secured credit card through Orchard Bank, XXXX $ deposit, XXXX $ credit limit. Orchard apparently sold their accounts to Capital One a couple years ago and I have been paying them since and have paid them off now. I called to ask about my deposit and they said that they have no record of my card ever having been secured and have no record of my deposit. On line, I see that there are many others that this has happened to as well. I would appreciate receiving my XXXX $ back.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-23 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I was denied credit for a XXXX card and would like to request a free copy of my business credit report from Experian. I have attached a letter of denial from XXXX, which should entitle me to a free copy. Thank you.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-16 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: Diversified Consultants, Inc.
State: DC

Complaint narrative:
I closed my account with XXXX XXXX in XXXX 2014. The effective date in my cancellation confirmation email was XXXX XXXX, 2014. Disconnect Order Number : XXXX. They continued to bill me for XXXX months after the fact ( XX/XX/XXXX and XX/XX/XXXX ). I confirmed with XXXX that my account was paid off in full when I canceled the account for XX/XX/XXXX. I just received a call from debt collectors today without any prior notice and they refused to let me speak with someone to XXXX to dispute the claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-17 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: UNITED SECURITY FINANCIAL
State: TX

Complaint narrative:
I refinanced my V.A. home XX/XX/XXXX under the XXXX. hybrid ARM. The United Security Financial Corporation or XXXX XXXX sent me a notice yesterday. They said under my contract my rates could increase to {$1000.00} according to my closing documents. Interest rates have begun to show a sign of increasing. I feel this is a deceptive practice. The rules with the XXXX. hybrid ARM are clear. My interest rate is locked in for 3 years. The rate can never increase any more than 1 percent per year. The rate can never go up over 5 percent. My initial rate was 1.75 %. My rate is subject to change on XXXX.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-20 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
A foreclosure was started in the court system on my home XX/XX/XXXX and the other party dismissed XX/XX/XXXX without prejudice and the servicing was sold to Ocwen from Litton, Ocwen started the modification nightmare with me and finally realized it was way too long of time that had lapsed so here we are over XXXX years later and they called my work and left message for me to call them. I called them back they are telling me they want to work out a resolution with me that lien is pending and that I might not necessarily have to pay the full outstanding balance that I could try for a settlement which would be subject to approval? Are you kidding me after all this time, is this a joke. 
Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-13 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
i have a checking account with bank of america, in My i was hit on my account ( fraud ) for {$700.00}, comanies i never heard about, talkin to my bank clain agent she said yes they are fraud and credetit me with XXXX Thern i got a new debit card and account #, thought i was safe until the beginning of this month. I receive XX/XX/XXXX checks on the XXXX each month, this month i receive it on th XXXX. What ido is pay ALL my bills, even ahead of time except my mortgage, which is done electronically on XXXX. I was hit with fraud on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. for about {$1200.00}. I called the bank and started a clainm, it was denied, they said it dint follow a scammers pattern, so here i an with XXXX tomy name for a month, i have lupus and very serious pain from XXXX that XXXX dr 's can not diagnosis me, this is goin on 2 years. I went to see my branch mgr abd she helped with with a XXXX clain, i have the charges belowXXXX on XX/XX/XXXX for XXXX prepaid XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX other XXXX was ther but i know they didnt pay it, i believe it was around XXXX i was making my claim i told the woman that i called these companies and they said i didnt even have an acount with them ... .I called next day to fraud mgr, who told me it was denied, i pleaded and told him im broke, he didnt care, i then opened another dispute claim, havent received papers yet, but i asked th mgr if i couldtalk to the investigators and tell them all i tried to do. They openened a hardhip case and that was denied, i am in pain 12 hours a day until i go to sleep, wake up and pains there, i asked the mgr if i could tak to them and he said no, the case is closed. I found you and i do believe ill be able to have a hearing or someway i could talk face to face ... With all this info i cant see how they turned me down. and most messed thing is they PAID all these companies on XX/XX/XXXX!!!!!!! leavin my mortgage there, next month ill be a month behind, Please help me, all this is the truth..If they pulled my other bill payin they would see my patterm and why would i wipe out my account ... .Thank you : )

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-09-07 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: MA

Complaint narrative:
After being a loyal user with Paypal for 7 years, my account has suddenly been imposed limit use in XXXX, 2015. I could n't get access to the my money in the account. During the 7 years, I always abide the policy of Paypal. I contacted Paypal immediately but was n't given any reason why the restriction was imposed. In fact, I was told by the agent that " There is no reason. We do n't want to serve you and recommend you use other service ''. I was further shocked as being told that any money in the account would be locked for180 days, and Paypal would contacted me then to give guidance for the refund. In fact, more than 180 days have passed but I have n't heard anything from Paypal. Emails to Paypal only bring automatic reply with general instruction. 

I consider it as a fraudulent behavior. Paypal has no right to lock my money for more than 180 days out of no reason and without even paying any interest. I request immediate refund and apology for its irresponsible and abusive behavior to consumers.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-15 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
After becoming more educated with my finances, I ran my credit report for the XXXX time for the purpose of reviewing the accounts back in XX/XX/XXXX. Upon reviewing the account I noticed there was a dependency on the names and address listed. My name is XXXX XXXX, XXXX of the names listed was XXXX XXXX XXXX. Aside from this, I also noticed a list of address linked to me that I never lived in. A XXXX account stood out because it showed the date of last payment was in XX/XX/XXXX and the account was opened in XX/XX/XXXX. This was scheduled to be removed from my credit report on XX/XX/XXXX, however, I decided to file a dispute with the credit burueas and the collection agency to validate the debt. I sent all letters via certified mail in XXXX. The response I got was in XXXX and not able to undertand what the letter said, I sent them a XXXX request. I received another letter from them in XXXX with no documentation showing the account was mine. So instead of investigating the claim, they changed the status of the account as a charge off. I sent all the letters to XXXXXXXX, and Equifax however, they again failed to validate the debts or remove them. No explanation has been given to me as to how this was determied or what was done to investigate the debt. I am 100 % I made no payment in XX/XX/XXXX nor is the account mine. The report stated the limit was {$200.00} yet the amount of the debt was {$500.00} I asked how that amount was even calculated but never got a response. Both The credit bureau and XXXX bank have failed to provide me with my right to validate debt. Instead, I received offensive stalling tactics by sending me letters in a language they assume I spoke. I ask that you please request further investigation from all XXXX credit bureaus. The XXXX account that is completely off is by a utility company called XXXX XXXX XXXX which is the collection agency for XXXX XXXX XXXX XXXX that was opened in XXXX/XXXX/XXXX. I sent them copies of my XXXX ID 's, to show I lived in the state XXXX and was attending XXXX college. It makes no sense how I could go open a utility account if I did not live in the state XXXX. After XXXX request nothing has been done to investigate these accounts. Please request a throrough invesigation, I XXXX these companies have caused me XXXX, I 've spent large amounts of money sending certified and expedited mail the last 2 months with no results. Thank XXXX XXXX, XXXX XXXXXXXX XXXX - XXXX XXXX, XXXXXXXX XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-02 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: CA

Complaint narrative:
Ditech formerly known as Green Tree Servicing, LLC made an interest and principal payment adjustment for my XXXX 2015 monthly payment of which Green Tree Servicing has already acknowledged in the past to making adjustments and still has not been corrected. Adjustments seem to take place when I make an additional principal payment on my fixed rate mortgage that has no prepayment penalty. Adjustments of daily interest occur starting the XX/XX/XXXX and is added to the next months monthly interest. Also their website financially binds the clients and I absolutely did not agree to the Web term use. The website disclaimer reads in part, " You ( and not Ditech ) assume the entire cost of all necessary servicing, repair and or correction. The same disclaimer wording also for Green Tree " You ( and not Green Tree ) assume the entire cost of all necessary servicing, repair or correction. ''

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: ECMC GROUP, INC.
State: FL

Complaint narrative:
I can not get ECMC ( Educational Credit management Corporation ) to help at all. I have been in daily communication with ECMC since XX/XX/XXXX. ECMC is wanting to increase the amounts agreed upon. ECMC has been calling nonstop to my workplace, home phone and family. They have sent emails to my workplace as well. I have spoken with them on the phone and they are rude and unprofessional. I try and communicate through email so that I can have an electronic method of tracking our communication, but they only want phone correspondence. I established a payment plan through ECMC and they are also wanting to garnish wages starting on XX/XX/XXXX for these loans as well. 
My loans were in forbearance with XXXX, except for the ones that they got possession of. I was told by XXXX that those were mistakenly not put into forbearance status. My position now, is that I am paying XXXX, XXXX, ECMC through a payment plan set up through their site. I will also have my wages garnished on XX/XX/XXXX. I have XXXX special needs kids that I adopted so I do not have money to just give to ECMC. I can not sell my house either like ECMC has suggested. Any help in this matter would be greatly appreciated. 

Thanks for your time. 

XXXX

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