vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-11-16 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
Paypal went ahead and put limitations on my account for legitimate transactions of goods that I have conducted with eBay and other companies all legitimate. They requested a bunch of documents to verify who I was and I complied within two hours. They then sent me a letter asking for invoices or receipts for merchandise sold on eBay and I did. I called because I did need my funds and they said the information was sufficient but now I had another account and I explained I did n't and there was fraudulent activity going on, even faxing them documentation. They just seem intent on keeping the money and continue asking for more and more information for merchandise that has already been paid for and I need my funds for.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-18 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: BB&T CORPORATION
State: VA

Complaint narrative:
The Branch Banking and Trust company has been harassing me recently in an attempt to collect a debt which has expired the statute of limitations in accordance to the state of Virginia. In addition, the Banking Institution has recently sent me an garnishment summons in clear violation of my consumer rights.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-17 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Rocket Mortgage, LLC
State: IL

Complaint narrative:
Quicken Loans charged a bogus attorney fee by calling the fee item as " Advances On Your Behalf ''. Actually Quicken Loans has never and ever notified me about the fee or had my agreement in advanced.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-28 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Using a debit or ATM card — 
Company: BB&T CORPORATION
State: PA

Complaint narrative:
On XXXX/XXXX/2015 I got a call from there fraud prevention they ask if I ok a certain transaction on my XXXX XXXX card I said no.They canceled my card. I called Susquehanna Back they gave me the # for the place that charged my card. At that time I was told the person I talked to told me she will order me another card. It would take 5-7 business days till i get it. Well on XX/XX/XXXX2015 the day before I was going to leave to go out of town I called the bank to find out my card was never ordered I hung up on them. After I cooled of for a little I called back and told the person I was leaving to go on vacation the next day she said OH MY and I said OH MY is right. I did n't want to carry cash with me she said to come into the bank to get travelers checks. I should not have to change my plans because they have incompetent employees. So I had to cancel my vacation ( fishing on the outer-banks with friends because of their screw up. I waited all year for this and was not going to have my friends hold money or checks for me. I want some kind of action from this bank I am out my deposit for the trip

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-18 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: GA

Complaint narrative:
My mortgage company has escalated my file to foreclosure when I was told that it was in review for the last 4 months. Also, my home was involved in a fire loss and my mortgage company is also holding the monies for the repairs while they escalated my file to foreclosure.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-13 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
I am trying to sell my home. I am in escrow. My loan was sold to Select Portfolio Servicing. SPS has such poor systems that they could not answer any questions about the loan for 2 weeks. Then they are unable to generate a payoff quote for another week. The SPS call center was completely unable to help and could not provide any info. Banks should not be allowed to offload the cost of their poor systems onto 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 2016-12-20 00:00:00
Product: Mortgage — Other mortgage
Issue: Settlement process and costs — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL

Complaint narrative:
To whom it may concern I XXXX received a short settlement from Wells Fargo bank the amount XXXX dollars.They gave me 45 days to pay it. I paid the amount and over the amount. With in the 45 days. I paid XXXX dollars over the amount I ask for my refund amount back and Wells Fargo refuse to pay me my refund back I tried many times to get my refund back but they refused. Please help me get my money back from Wells Fargo and XXXX. Acct # XXXX case # XXXX My phone XXXX MY email XXXX MY address XXXX FL XXXX.I also put in a complaint in with XXXX # XXXX Wells Fargo and XXXX also refused to answer XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-30 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: NY

Complaint narrative:
My office represented the borrower in a foreclosure case in XXXX Supreme Court. The matter was settled with a loan modification and the foreclosure case was dismissed. Even though my office no longer represents the borrower, because the underlying foreclosure case has been dismissed, my office still receives mortgage statements for the borrower. The statements lists the borrower 's name but my office 's mailing address.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-19 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: MD

Complaint narrative:
Hello, our mortgage has been recently transferred to a new mortgage service company ( Nation Star Mortgage ). When submitting my payment for the month on XXXX, NationStar told me that going forward they will charge {$9.00} unless I pay my mortgage by the XXXX of every month. I am wondering if that is the rule industrywide, because I have always paid my mortgage on the XXXX of every month with my former servicing company. I really would like to continue to pay my mortgage on the XXXX of each month, because it is still 30 days whether I pay on the XXXX or the XXXX each month.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-04 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC
State: IN

Complaint narrative:
Nationstar Mortgage is running a foreclosure scam. They ran an escrow analysis in XXXX 2015 with an annual tax amount that was almost XXXX my actual tax bill. My county treasurer has contacted them on several occasions in writing via fax, etc including a 3 way call while I was on the line to correct this amount. The escrow department at Nationstar has assured me several times that he problem will be solved within 5-7 business days. Meanwhile, they call me constantly at work on my celular phone with an automated dialer and with an automated message to tell me that my account is delinquent. I make payments every month, but can not afford to continue making double payments due to their escrow error. They are also reporting to the credit bureau that I am delinquent and therefore I can not acheive refinance with any other company. They are now sending foreclosure notices. When I call to speak with the escrow department, they repeatedly place me on hold and then disconnect me after over 30 minutes on hold.

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: UT

Complaint narrative:
I have previously submitted documents to Nationstar Mortgage asking that my interest rate be modified from 6.25 % to 3 %. After all this is not an outrageous request ; many homeowners have had this rate for YEARS due to the Great Recession. I also sent themall the documents they required AND amortization schedules with 2.8 %, 3 % and 3.2 % and the respective payment amount. Nothing. I am in bankruptcy, I have the care of my XXXX year old mother who has XXXX, I had to take an early, MEDICAL retirement, meaning that I now exist on XXXX % of my full-time rate of pay, and when my father died in XXXX of 2013 my older brother stole their money and some possessions. We are STILL engaged in a lawsuit against him. I say STILL because we ( my younger brother and myself ) had the very bad misfortune to get a XXXX of a lawyer who did NOTHING! What should have taken 6 months is going on past TWO YEARS. I have been drained of just about every asset I have ever had, and we can not move forward and close that case until as have the funds to do so. Luckily my aunt left me in her will and I, and my brother have a few thousand coming from that. As I said, a year ago I was ready and willing to make the changes in my mortgage payments. I also have a XXXX mortgage with XXXX. They are just weeks away from foreclosure, too. Why do n't these companies cooperate? I am NOT demanding anything extreme. Now, however, it will take balloon payments to satisfy all of their penalties and missed payments ( XXXX especially ). Please help me find someone to help strong-arm these guys into helping me. It is a lot worse now than it was a year ago, and with everything else I am dealing with it is OVERWHELMING. Will you please get them to cooperate. You did when I complained to XXXX, but not very much. I really need an agency that can take my case, put on the brakes and get this all worked out. Unfortunately it just might be too late. This will also throw my daughter out on the street. She does work, but we all know that the market for employment has just barely begun to improve. HELP!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Credit decision / Underwriting — 
Company: NATIONSTAR MORTGAGE LLC
State: CA

Complaint narrative:
I tried to refi my fha mortgage through nationstar three times. Each time they refuse to streamline my refi because my city loaned me {$50000.00} ( no interest deferred 10yrs ) under the redevelopment program. The city is now a lienholder and gives permission to subordinate every time I try to refi.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-23 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Life Line Billing Systems, LLC
State: FL

Complaint narrative:
I do not owe this debt. I have rechecked my dates that I was covered by my parents policy with XXXX and verified with the insurance company that I was actually covered from XXXX not as what I had presumed of XXXX. I came of my parents policy in XXXX XXXX. 

On turning the age of XXXX, it became my secondary policy with XXXX and my primary was with XXXX XXXX XXXX XXXX and part of my employment package in XXXX. 

All payments for health care services had been compensated for via insurance. I do not owe any medical balances, I even had additional coverage in my employment package. Please note this to my prior entry.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-24 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Affiliated Creditors, Inc.
State: TN

Complaint narrative:
I recently checked my credit report and discovered that this company has reported that I owe them a debt. To my knowledge this company has never sent me a letter informing me that I owe them anything. I was not afforded my rights under the FDCPA to validation. I believe this to be a HIPPA violation because at no time have I given any of my medical providers permission to share any of my information with anyone

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-01 00:00:00
Product: Debt collection — Non-federal student loan
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: ORG GC GP BUYER, LLC
State: TX

Complaint narrative:
Contacted by GC Services today about an old student loan which I am paying thru a different company that I am paying for this debt. The collector from GC Services said that it was from XXXX XX/XX/XXXX. This is the debt that I am paying through a different compay. 
GC Services can not produce promissory notes or any original documentation to verify this loan. They also took a chunk of my income tax return in XX/XX/XXXX. 
I need some help with this one please.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-15 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: ZWICKER & ASSOCIATES
State: FL

Complaint narrative:
I have been making monthly payments since XXXX/XXXX/2015 to a debt collector for a debt I incurred on a Credit Card. I misunderstood that at the end of each year I had to contact them to arraign payments for the next year. I noticed that they were not drafting payments any longer and had not contacted me and I received in the mail a letter from a Attorney and a copy of a Case Inquiry the collector file in Court so I contacted the original Debtor ( XXXX ), they in turn referred me to the debt collector. I spoke with the collector and ask why they had not called me. They said they tried on many occasions and got no reply, The number they had on file was NOT my number and i ask where they got that number, their response was " I do n't know ''. Now because they have filed the Case Inquiry they are unwilling to resolve this in a reasonably manner. My only option from here is to file bankruptcy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-21 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: ORG GC GP BUYER, LLC
State: LA

Complaint narrative:
I recently disputed a collection account on my credit reports from a agency by the name of G C Services on behalf of XXXX XXXX. According to the collection agency they " verified '' with their client that the account is in fact my account using my name and address. They also enclosed documents to prove this. Upon the reviewing of these documents it is clear that this is not my signature, nor is it my name signed on these documents also I have never resided at the address listed on the account. This further proves that this is not my account. I would like these documents to be reviewed and this account that is falsely reporting negative information on all XXXX of my credit reports removed immediately. I would also like this account to be blocked from reinsertion due to the fact that it is hindering me from obtaining positive credit lines.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-21 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: USCB Corporation
State: LA

Complaint narrative:
I attended XXXX XXXX XXXX XXXX and i paid monthly payments for the XXXX.I withdraw from the school and was still being charge monthly, even though I quit.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-18 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: CREDIT ACCEPTANCE CORPORATION
State: FL

Complaint narrative:
Long story short a payment was missed 2 years ago resulting in the repossession of my vehicle. From the date of the missed payment until the repossession no other payments were missed. Made several attempts to have the payment added to the end of the lease as a finale payment but the company declined to do so. After the vehicle was possessed I began the process of recovery. Paid the past due balance in full as well as misc. fees accrued by the repo process including a new key {$170.00} for the vehicle which brings me to my complaint. The vehicle was taken on a Saturday and I recovered the property on the next available business day to do so. I told the representative over the phone that the key was not necessary and that I have the ability to re-program my key thus making theirs useless to me. I accepted the key over the phone under duress ( stated over phone ) because if not I would n't be able to recover my property. When I signed the paperwork to release the vehicle I included in writing I was refusing the key and left it with the person handling the release of my vehicle. Flash forward a few months and im received threating calls to have my car " XXXX '' or that they will repo ... ..again. Im not too sure how this process works but im not a fan of how this company has conducted themselves thus far and hopefully this will help my voice be heard.

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 2017-01-20 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: American Financial Resources, Inc.
State: WA

Complaint narrative:
I have a home equity loan with American Financial Resources ( aka eLend.com ), serviced by XXXX XXXX. My loan allows additional principal payments. However, submitting additional principal payments proved to be quite difficult. On a number of occasions, XXXX applied my payment intended as additional principal, to the next month regular monthly payment instead ( which obviously defeats the purpose of making an additional principal payment ). Each time I reached out to them to request a correction, using their web site ( XXXX ) and/or the customer service line ( XXXX ), and each time I had to make one or more follow up calls before correction was made. What 's worse, at least on two occasions the correction was made in a way that made the payment history section on their website for my account very difficult to understand, and on one occasion my account was about {$900.00} short. 
While those errors eventually got corrected, I am in a similar situation once again. On XXXX/XXXX/2017 I made a payment that was intended as additional principal payment. XXXX applied it as my XXXX payment. On XXXX I reached out via their website and requested a correction. Their website said someone will respond in 5 business days. On XXXX there was still no response, so I called their customer service line. I was told the correction will be done within 8 days. Yesterday XXXX - still no correction, I called the customer service line again. Same thing - no explanation why it was n't done in 15 days, and they ask me to give it another 3 business days. This is obviously unreasonable, and amounts to denying me a possibility of making additional principal payments.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-11 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Allied Collection Services, Inc. (Nevada)
State: MI

Complaint narrative:
Alled collection calling me to collect a debt from XXXX yrs ago 1997. They could not tell me if the debt was mine or my ex husbands.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-29 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: CREDIT ACCEPTANCE CORPORATION
State: CO

Complaint narrative:
I applied at XXXX in XXXX ar i traded my already paid off jeep liberty they were suppose to give me {$7000.00} for it in trade the vehicle i traded for was only supposed to be {$2000.00} more from that by the time papers were signed i had XXXX kids there for XXXX than when i went to the restroom they allowed a boyfriend to sign on my car i had no idea about it when i realized what happened i called the car lot and asked to void it all cause the price was n't what had been agreed on and his signature on my papers they said they already sold my car i was basically well lack of better words screwed. So i begin the ppayments i could n't afford than they allowed this guy to take my car and now want me to pay cause he hasnt

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation