vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-09-23 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Schachter Portnoy, L.L.C.
State: NJ

Complaint narrative:
The collection agency/law firm is collecting on a debt that is in a formal dispute. They are violating my rights under the fair credit debt collections practices act. The creditor has continually sent it to collections without satisfying the initial dispute and for this reason the collection agency is also violating my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-26 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Credit Central Holdings, LLC
State: AL

Complaint narrative:
First of all this company makes it an inconvenience to its customers needing to make some type of arrangement for a late payment. They want their customers to come to the office to make the arrangement and refuse to do it over the phone where as all other financial institutions will gladly do it over the phone. This company wants you to leave your employer to come in the office possibility of their customer losing their job. Second this particular branch calls you a day before the arrangement has been set for saying that the arrangement day was missed. You tell this particular branch you mailed the payment and it takes one day to get from the customer 's house to their office via mail. They still call 6+ times a day after 3 days you mailed knowing they have the payment and want to harass you anyways very unprofessional and rude to their customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-10 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: TOTAL MORTGAGE SERVICES LLC
State: CT

Complaint narrative:
Acquired a mortgage in XXXX through XXXX XXXX at Total Mortgage in XXXX, CT. XXXX rarely responded to emails after he and his staff demanded we get documentation in by a certain day. We needed our lawyer to request XXXX extensions from the seller 's attorney as a result of XXXX dropping the ball several times. He told us he would try to float down our rate, then never told us when our rate even expired, then tried to bully us into paying for a rate lock extension. XXXX many times threatened us by stating we did n't deserve good customer service and he could charge us what he chose to extend the rate. We had to ask for the GFE paperwork XXXX times until it was finally emailed. 

4 days before our closing the company all of a sudden demanded we close all our credit card accounts since they were paid off. XXXX associate XXXX, then told our lawyer we would n't be closing until at least 3-4 days after the set date. The icing on the cake was right before closing where XXXX admitted to bullying us because we asked to many questions and again said we did n't deserve good service. He then began shouting about all the loans he 's closed this year and how great the company is. Many people we worked with to close our loan were surprised and apologized for the poor service we received by this company. 

I was fine with dropping this but felt a complaint should be filed after I posted a review on XXXX and now XXXX has begun harassing me by texting my cell phone about my review. The next step if I get another text from him will be a visit to the police station in the town he does business in order to discuss harassment charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: ORG GC GP BUYER, LLC
State: FL

Complaint narrative:
They have called multiple times at my job that I just started. I 've already been called attention due to this matter. Please I need help with this. XXXX her name is XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-25 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Seized/Attempted to seize property
Company: ORG GC GP BUYER, LLC
State: CA

Complaint narrative:
Some time ago I lost XXXX speeding ticket trials and was forced to pay the fines. Due to unemployment issues I was unable to pay the fines. The fines were sent to GC Services where they got my driver 's license suspended. I sent a cease and desist certified letter to GC Services while I determined what was going on. I found out the GC Services is extorting money from me illegally so that I can get my license back. Since I do n't have the money nor will I for quite some time, I am sure this act of extortion is illegal. This action also places a huge burden on my employment situation since I ca n't drive to get to work. Without a job, how can I pay them anyway? For the record, I fought XXXX tickets in court and from my point of view I won. But was found guilty. I fought XXXX tickets in appeal and from my point of view again, I won. I lost XXXX appeals. I have already filed complaints with every state and federal agency asking for an investigation and so for I ca n't get any help. I am hoping that the CFPB can help. 
I define extortion as an act of forcing someone to pay for something they ca n't. GC Services suspended my license forcing me to pay or I will never be able to drive again. Since I do n't have the money and I ca n't get a job without paying, they are extorting money from me ... illegally.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-01 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: ORG GC GP BUYER, LLC
State: CA

Complaint narrative:
GC Service is being completely unreasonable. 

My husband and I were traveling around XXXX XXXX, 2015 on a 6 week trip. He became sick and we needed cell phone service that worked where we were. XXXX did not work. We had to switch carriers. When I called to cancel service I asked what I owed and was told there was no final bill available. However according to your company, on XXXX XXXX, 2015 a final bill was sent. We did not receive any final bill and it went to collections in just XXXX60 days!! We did pay immediately when we found out about it. 

Paying did not help my XXXX scores XXXX single point. this is very unfair. It never would have XXXX to collections if I had received a bill as I would have paid it. 

This is the ONLY negative item on my credit report and it is preventing business lending.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-31 00:00:00
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: ORG GC GP BUYER, LLC
State: VA

Complaint narrative:
Re : GC Services Limited Partnership ( XXXX, XXXX ) I received a letter about assistance with debt repayment and called to inquire. I was traded from one person to another taking a significant amount of time so I ultimately ended the call. I personally had no additional interaction with GC Services after the above call. 

XX/XX/XXXX my Uncle who lives in XXXX called me saying that he had received multiple voice messages from GC Services ( XXXX XXXX? ) leaving his phone number and saying that he needed to get in touch with me. 

Upon calling GC Services, I learned that it is a debt collector calling about a credit card outstanding balance. When I questioned their tactic of contacting and leaving messages with my uncle for me to call them I was met with indifference and basically contempt for the fact that I would even question their methods. 

Thereafter, I was pressed by the GC Services representative to get into a settlement or be left paying the entire balance. 

My concerns : ( 1 ) The sneaky and questionable tactics they used to reach me ( leaving messages with my uncle w/o disclosing why they wanted me to call them ). 
( 2 ) My uncle is no where included as a co-guarantor or contact on the card, so obliviously GC Service searched for any random family member sharing the same last name as a method for getting me to call them. 
( 3 ) Leaving messages on my Uncle 's voice machines saying for me to call them. 
( 4 ) How many other family members did they randomly call? 
( 5 ) I have to assume that it would be obvious to my Uncle ( or any person to get such a message ) why someone like GC Services would be calling and leaving messages like this. By extension, in trying to get me to call them, they were in effect violating my own personal privacy. 
( 6 ) The indifference shown by the representative when I raised the issue of the tactics used to get me to call them. 
( 7 ) The pressure excerpted on the call to get me to agree to a settlement or else face paying the total amount. 

This is the first time that I have had to deal with debt collectors and it is due to the loss of a family member and being out of work. 

What I experienced with GC Services was exactly what I think of when I image the stereotype of a " Debt Collector. '' Questionable border-line unethical tactics and pressure to conduct their business. 

Thank you for reviewing my compliant. GC Services should be monitored moving forward for the manner in which they conduct their business.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-28 00:00:00
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
I was slammed by a CSR in the XXXX of XX/XX/XXXX. I would have never agreed to sign up for debit protection, but the CSR told me that you could file a claim and be eligible for debt protection even if you become unemployed voluntarily. I outright asked the CSR " so if I quit my job I would qualify for debit protection? ''. The CSR said : yes even if you quit your job. So from XX/XX/XXXX through about XX/XX/XXXX, when I quit my job, I was unaware that I could not deploy my debt protection. I held on to it for a while, hoping to get an unemployment appeal decision in my favor. I called the CSR for the credit card services. Several times and told them I was slammed by a CSR. They always agreed that I should get reimbursed. The last time I talked with some body about it, he told me he was in charge of all of this and was looking into it. I never heard back from him. It was about a year ago. I started working a split shift, over 12hrs away from my XXXX mile daily commute. ( that is a 14 hr day way from home ) I had no time to investigate. When I finally had some time I called. They talked to supervisors that said it was so long ago, and there was nothing they could do. I have been asking all along about the recorded phone calls. They always tell me they can and will pull them and they do exist. I did the math and i 'm out {$1800.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-19 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: EOS Holdings, Inc.
State: MO

Complaint narrative:
I was a customer of XXXX for a period of about 3 months at the XX/XX/XXXX/XX/XX/XXXX. I was subscribed for DSL internet service from them, but starting the first month I had severe latency and speed issues with the internet. I was told by XXXX that they were in the process of upgrading lines in my area and they credited my account in full for 3 months in a row in order to retain me as a customer. The service was almost completely unusable for my purposes, and after the third month I asked to close my account. XXXX complied with this and closed my account with a {$0.00} balance and I returned my equipment to them. Starting in XX/XX/XXXX I began receiving collection letters from EOS CCA for a purported debt that was originally held by XXXX totaling {$190.00}. I began getting harassing and threatening phone calls. When I tried to explain that this debt was not valid, I would be threatened for it to be reported to the credit bureaus. I gave them a verbal cease and desist and stated that if they did not stop calling me on my personal cell phone I would pursue harassment charges. I mailed a cease and desist letter and I also included a statement of no outstanding debt I obtained from XXXX. The calls and letters stopped. However, today, 4 years later, I have received another settlement notice from EOS CCA asking me to settle for {$110.00}. To date this still has not been reported to any credit bureaus, but I am not willing to deal with EOS CCA directly as I have already demonstrated that I do not owe any debt and that I never did. If this continues I will pursue litigation for harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-16 00:00:00
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: ORG GC GP BUYER, LLC
State: OH

Complaint narrative:
I do not owe any past due bills. Why do they keep calling me?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: Rocket Mortgage, LLC
State: PA

Complaint narrative:
I 've been a customer of yours for years, and I tried to refi with you to drop my pmi. I was told you needed a an appraisal of the house and charge me {$500.00} for it but before I gave you my visa number I was informed that if the loan didnot go thru I would be refunded. I did not think there would be a problem because on XXXX and XXXX my house was valued over {$110000.00} but my appraisal came in at {$100000.00} Seriously? How can both internet cites be that far off plus homes around me recently sold over {$120000.00} ( see attatched ) so my loan did not not go thru and you only refunded {$170.00} of my {$500.00} Are you willing to lose a loyal customer who has always payed on time over the {$320.00} you still owe me? Here are home values close to me SOLD : {$110000.00} Sold on XXXX/XXXX/XXXX XXXX beds, XXXX baths, XXXX sqft XXXX XXXX XXXX , XXXX, PA XXXX SOLD : {$110000.00} Sold on XXXX/XXXX/XXXX XXXX beds, XXXX baths, XXXX XXXX XXXX XXXX XXXX , XXXX, PA XXXX SOLD : {$110000.00} Sold on XXXX/XXXX/XXXX XXXX beds, XXXX baths, XXXX XXXX XXXX XXXX XXXX , XXXX, PA XXXX SOLD : {$110000.00} Sold on XXXX/XXXX/XXXX XXXX beds, XXXX baths, XXXX sqft XXXX XXXX XXXX , XXXX, PA XXXX :

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-27 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: BB&T CORPORATION
State: NC

Complaint narrative:
My debit card was stolen when I was at a XXXX XXXX in XXXX on XXXX XXXX, 2015. I paid to have my nails done prior to receiving service and my wallet ( onkly containing the debit card and license XXXX were XXXX stolen. I did not realize the wallet had been stolen because it was taken out of my purse and my purse was not stolen. When I discovered that it had been stolen, I immediately reported it stolen on XXXX XXXX, 2015 and got a new license. My fraud claim to the bank ( BB & T ) was denied because they feel like I did not have enough evidence. I have since filed a police report about the charges which were made in another town XXXX XXXX, NC XXXX totaling {$2400.00}.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-06 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: NC

Complaint narrative:
I paid off my mortgage on XXXX XXXX, 2015. I called on Nationstar on XX/XX/XXXX to confirm that the pay off was received and credited to my account and the automated system reported that I still had have a balance and a payment due. Nationstar 's phone system does not provide a menu option to speak to a representative. With great difficulty, I was able to reach an agent named XXXX by " lying '' to the system and telling it that I wanted to make a payment by phone. XXXX confirmed receipt of the pay off funds and adivsed that an escrow refund of {$1300.00} would be mailed to me within 18 days of pay off. On XX/XX/XXXX, I called back and spoke with XXXX. I notified XXXX that their automated system continues to say that I have a balance and a payment due. She again confirmed that the pay off was received and credited to my account. She could not provide an explanation for the system still showing a balance but advised that it would be corrected. She also advised that XXXX had given me correct information as escrow refunds are retirned within 30 days of pay off. On XX/XX/XXXX, I called back to investigate why I still have not received my escrow refund. The automated system continues to say that I have a balance and that I am overdue for the payment due on XX/XX/XXXX. This time I spoke with agent XXXX who again could provide no explanation. I expressed my concern that this account may report late to the credit bureaus. He responded with " Well, if that happens, just give us a call back. '' This is unacceptable! He also advised that my escrow refund has not yet been processed. I explained that my understanding is that the law requires that escrow refunds be mailed no later than 30 days after pay off. XXXX said that I would need to speak with someone in the escrow department and that he would transfer me. After over 20 minutes on hold, a representative named XXXX picked up but was apparently having phone problems and could not hear me. I called back and searched through the menus for the escrow department. After another 30 minutes on hold, I hung up in frustation. Altogether I have spent approximately 2 hours on the phone and on hold with no resolution for this problem in sight.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-13 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: CA

Complaint narrative:
this lender is passing the buck the have received my complaint and now sending me correspondence to claim to another part of their organization they already have the complaint as the primary contact

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-13 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC
State: MA

Complaint narrative:
I am in need of your assistance please. My wife and I purchased a house in XXXX while we were XXXX, and as you know the market collapsed shortly thereafter. In XX/XX/XXXX I XXXX was forced to leave my family behind to continue trying to sell our house. After a couple months of nothing, and an upcoming XXXX to XXXX we decided to contact XXXX XXXX XXXX at the time for assistance, and they said they would n't help us so we had to leave the house as is. 
After being in XXXX for a couple months a friend of mine moved into our house, and I took out a loan from my Grandfather to get caught up on the house. We than got a long term resident in the house with intentions to purchase the house from us after settling some things from his last house. We got stationed in XXXX XXXX in XX/XX/XXXX where we lived until XX/XX/XXXX. 
In XXXX XXXX our renter up and left the house leaving us with no notice or anything. My wife 's paycheck was going strictly towards the house for 7 months until my wife had to quit because of orders taking us to XXXX where we are currently stationed. While we tried with the bank to do a short sale, we were getting the run around which was very difficult being in XXXX, and it did n't seem like the VA was helping us get the documents loaded into the system, and I had to make daily calls for a week at a time to make sure things were getting done, and after about a month we got an offer on our house that was very good. I called Nationstar and the VA again almost on a weekly basis to try and get the house sold. After well over 90 days of waiting on the bank and making constant phone calls, there was a really bad storm in XXXX where rain had got in the basement and our sump pump went out. We were than notified that there was mold damage now, and the buyers backed out, and we do n't have the means to get the mold fixed, and the bank said they would not pay for it. 
So now the only thing I could think of was a Deed in Lieu, to try to get this house out of my name and try to rebuild my credit. I submitted paperwork to the bank 2 weeks ago, and since then have been contacted by the bank 4 times asking about the short sale, and how that process was going. Each time I had to explain again that I had submitted the paperwork to do a Deed in Lieu. 
I am now convinced that if personnel that work at this bank and handled my account had done their job my house would have sold when we did the short sale, and they should be held accountable for what they have done. If this is happening to me and my family I ca n't help but think if there are other Soldiers and families going through the same difficulties as I am. As a XXXX I had to try to reach out to someone in a position to make a difference not only for me but also for what could be numerous Soldiers and their families that are going through the same problems. 
Thank you for your time Sincerely XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-20 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Problems caused by my funds being low — 
Company: BB&T CORPORATION
State: NC

Complaint narrative:
I have a car that is financed with Regional Acceptance. I make a payment online every month, on time through their website. The website requires that I enter my information every month so I have not given them permission to auto-debit or store my information. This morning I checked my account and it has been debited for the full amount of my normal payment which is always more than the required amount. I contacted Regional and was told this was a glitch with their payment processing company and the payment was duplicated in error for numerous customers. I have 3 issues with this explanation ( 1 ) I never gave them permission to store my payment information ( 2 ) What 's to keep this from happening going forward ( 3 ) There is no payment reflecting in my payment history.

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 2015-06-25 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: NY

Complaint narrative:
My mortgage was sold by XXXX to Nationstar Mortgage. I went in to make my payment online like I do every month only to find that they charge a fee of {$9.00} if the payment is made after the XXXX of the month. I have never been charged a late fee by XXXX if the payment was made before the grace peiod.

Company response to consumer: Closed with explanation