vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-01-20 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ALCHRO INC.
State: SC

Complaint narrative:
FIRST FED CREDIT & COL : I do not have any knowledge of this account nor did I ever receive any services or authorize any services from this creditor. I have disputed it through the credit bureaus, they acknowledged an inaccuracy ... the date of delinquency. They refuse to provide evidence I owe this debt. I have never had a collection and now my credit rating is adversely affected.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-31 00:00:00
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: Mobiloans, LLC
State: FL

Complaint narrative:
Was given a loan by mobiloans.com. This place is COMPLETE SCAM and I pray no one else borrows money from them. They allowed me to get {$1000.00} and told me I 'd only have to pay {$1100.00} back. That occurred in XXXX XXXX, safe to say it is XXXX XXXX, XXXX and I AM STILL PAYING! So I decided to pay the remainder balance in full to avoid them EVER again in LIFE! I would love to know how much I have paid them but I do not want to because I KNOW I WILL BE EVEN MORE LIVID THEN I AM NOW! 

*Mobiloans.com

Company response to consumer: Untimely response
Consumer complaint received 2016-10-28 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: NATIONWIDE ACCEPTANCE LLC
State: CA

Complaint narrative:
I am trying to get a home loan  and Nationwide Accptance LLC is rep orting my loan as in repossession and written off. I am current on my paments.

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 2015-06-04 00:00:00
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: Insight Capital LLC (NV)
State: WV

Complaint narrative:
On XX/XX/XXXX I was contacted by XXXX XXXX XXXX stating that I owed a payday loan from XXXX ( they said XXXX had bought out several other payday loan companies and were just now collecting the debt ) from XX/XX/XXXX. They stated that unless I paid that day they would charge me with fraud and I would be served with a summons either at home or at work to go to court. They had all my personal information including my social security number. In my profession it would hurt my job if they were to come to my place of work .They caught me off guard and scared me to death. My husband and I paid the {$1000.00} dollars. At this time XXXX XXXX sent me a document through e-mail that I had paid the loan off in full. This is a document that I could have typed up myself. There is nothing that suggests that this is an official document from a legitimate company. I have received no documentation from them concerning this debt. Then I went to my bank and talked with them. They advised me that it was probably a scam and I had fraud protection on my account. I canceled my debit card and reported it to the fraud department at my bank. They are investigating it now. Yesterday XX/XX/XXXX, I received another call from XXXX XXXX XXXX because my bank canceled the {$1000.00}. They said I had to pay then or I would be served with a summons at my home or job. They also said by then I would have to pay for legal representation, court costs and interest on the loan so it would be better to pay now. I have asked over and over for documentation that I owe this money. I also asked for a copy of the original contract from the original company. I have yet to receive any documentation or an address and phone for XXXX. I have tried to find a number on the internet for this company but the numbers I do find are not working. I also XXXX the address for XXXX XXXX XXXX and it is an address for a shipping company. I did take out some payday loans years ago ( stupidly ) because we were in a financial crisis, but I know I paid them all back. I have told them I would gladly pay if they could show me some documentation, but XXXX XXXX just said they would send the information on to XXXX.

Company response to consumer: Untimely response
Consumer complaint received 2017-04-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LoanCare, LLC
State: MI

Complaint narrative:
My home mortgage account was with XXXX Bank and it was sold to LoanCare XXXX. I recieved a notice from XXXX bank about a month and a half ago informing me of this. I have not received any correspondence at all from LoanCare XXXX. I am concerned after reading reviews about this new company that this is their common practice to trap people into paying unnecessary fees.

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 2017-04-06 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: VA

Complaint narrative:
Carrington Mortgage Services took over servicing my mortgage, I paid extra every month and for the 1st several months ( 3ish ) they applied the extra to the principal of the loan, then in XX/XX/2017 they recalculated everything and used the extra money to apply to future payments they sent my statement claiming I was late on my payment and over due by {$45.00}! I called them and in XXXX I got them to revers this and reapply the extra money back to the principal of the ( VA ) Loan. I asked for a pay off statement and had XXXX send Carrington a " Bill pay check '' for the full amount. They applied it as a normal payment so I called. 3 different Carrington employees went through the issues with me and said they would " take care of this issue an I should consider my mortgage paid in full '' and that the Escrow balance would be returned to me. XX/XX/2017 I received a call from XXXX on my answering system. I called Carrington and XXXX could not be found, I was informed that I would need to make yet another payment because they did not consider the XXXX bill pay check " Certified '' I spoke to a supervisor and informed him that 3 of their employees had said that my mortgage should be considered paid in full, he said he could not follow through with that and I could send a letter asking them to use my Escrow balance to pay the loan. I asked for a new pay off to be sent and he 1st said I would have to send a letter to request this. They currently say my payment is over {$500.00} but the last bill they sent me shows the principal to be {$250.00} ( XX/XX/2017 ) and the escrow to be {$340.00} and Total Amount Due {$640.00}. The math adds up to theft! 
I 'm waiting for a new pay off statement so they can rip me off again! The lender has huge numbers of complains DO SOMETHING!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Settlement process and costs — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: TX

Complaint narrative:
I bought my home through an FHA loan in XX/XX/XXXX and we heard all of the good things about refinancing and finally did it in XX/XX/XXXX. Our loan was held by XXXX and we refinanced through them, as well with another FHA loan. In XX/XX/XXXX our paperwork was finalized to refinance our home. However, we were not aware and not told that FHA regulations had changed and that Private Mortgage Insurance would now be part of the loan for the entirety of the loan. The payment quote that the XXXX representative originally told me over the phone was considerably lower than the final one I began to see in the paperwork. When I asked about this discrepency he said FHA rules had changed and the insurance cost had gone up. He did not explain that we would have PMI for the life of the loan. We are now locked into a loan with PMI and our monthly payment has now surpassed our original monthly payments as we deal with increasing property taxes, as well. I hold XXXX responsible for not thoroughly explaining this - as they would be benefiting from the extra Mortgage insurance they would receive from us. Looking back I can see the terms are in writing in the contract, but we did not receive full explanation and only had a notary present at the signing the closing documents. XXXX did not do their due dilligence to make sure we understood we would have PMI or MIP ( whichever you call it ) for the life of the loan. I am not sure we had even seen it in paperwork before the day of signing. It was also not disclosed to us than a small down payment would have removed MIP from this loan. In the paperwork the Present Market value in XX/XX/XXXX was recorded as {$100000.00} and the amount of our mortgage was recorded as {$93000.00}. This is an LTV of 90.4 %. This to me means we should not have MIP on this loan. 
I also hold HUD responsible as I see this as another burden they have placed on homeowners. There is no reason homeowners who have never missed a payment should be stuck with this extra fee for the life of a loan! This is just extra money into the pocket of the lender on top of the interest they already receive! We now own more than 20 % equity in our home and have never missed a payment, yet we are strapped with the added burden of this mortgage insurance. I can not believe we had the horrible luck of refinancing one month after the rules regarding PMI had changed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-06 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
My complaint is about the charge back process, which favors merchants and does not provide enough protection against fraud. 

In XX/XX/XXXX, I rented a car and was charged a {$200.00} security deposit, which went on my credit card. By XX/XX/XXXX, the funds had not been refunded to my card, but there was no reason for the merchant ( the car rental company ) to keep my deposit. Attempts to contact the merchant were unsuccessful, so I issued a chargeback with my credit card company ( Citicard ). The merchant disputed the chargeback in a salacious manner, accusing me of trying to steal from them. I contacted my credit card company again, and they told me that I had to provide a valid credit slip from the merchant in order for the credit to be issued. This is problematic, as the reason I disputed the charge in the first place was because I could not contact the merchant to get an answer! I requested a " valid credit slip '' from the merchant three times, and each time was provided something that the credit card company would not accept. As a consumer, I was unfamiliar with what a " valid credit slip '' was and I had no way to force the merchant to provide me the correct documentation. After all, they already had my money. By the time they finally provided the correct documentation, too much time had passed in the chargeback process for them to intervene anymore. I now believe that the delay tactics were intentional by the merchant so that the chargeback would be unsuccessful and they could keep my funds. 

My complaint is that the chargeback process is set up to favor merchants, not consumers. I use my credit card because I believed it offered certain protections, but I do n't feel like those protections served me here. I was told by the credit card company that, per chargeback rules set by XXXX, after the dispute is made, ANY response from the merchant means the issue is sided in their favor. Even after I provided ample documentation proving I was due the funds ( including a signed letter from the company ), they were unwilling to assist me. The merchant is now refusing to return the funds via another manner. I 've already reported them for fraud, but I am making this complaint because i believe the chargeback process does not provide enough consumer protection.

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 2017-02-23 00:00:00
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Greater Collection Agency Bureau, LLC
State: TX

Complaint narrative:
I allegedly owe for a " hot check '' from 2012 from a PayDay Loan and Greater Collections Agency Bureau calls from XXXX and keeps threatening to send out a process server. When I call them they rarely identify themselves and hang up on me when I ask questions about my rights. They do n't mini-miranda, when I asked if they were a collections agency they said they were acting as a mediator. I asked what that means and did not get a specific response. I believe this company, if they are even legitimate, are attempting to bully me into paying something I 'm not aware that I owe. They said they 'd send a debt validation letter, and when I asked what we can settle on they said they 'd call me back. They did n't call me back after 30+ minutes so I called back and they conveniently had an amount for me to pay. I still have no idea if these people are legitimate or not.

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 2016-06-08 00:00:00
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: ROC Asset Solutions, LLC
State: NH

Complaint narrative:
XXXX XXXX from API called my client, XXXX XXXX, at his place of employment pretending to be an attorney 's office. " XXXX XXXX '' threatened to have my client arrested if he did not immediately pay a payday loan (?? ) which we refused to identify or validate. " XXXX XXXX '' told my client he was " in violation of Federal law. '' Terrified, my client gave " XXXX XXXX '' his debit card information. My client has contacted the bank and may be able to save his money ; however, " XXXX XXXX '' from API has continued his rude, aggressive and illegal collection. " XXXX XXXX '' did have identifying information for my client, which gave some legitimacy to his claims, terrifying my client even further. This XXXX debt collector needs to be shut down before they can scam more money from unsophisticated consumers.

Company response to consumer: Untimely response
Consumer complaint received 2017-03-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: AES/PHEAA
State: NM

Complaint narrative:
My federal student loans have been serviced by XXXX and I have never missed or been late with my monthly payments, which are due on the XXXX of each month. At the beginning of XX/XX/XXXX, I made my regularly scheduled monthly payment to XXXX. At around the same time, my account was transferred to Fedloan Servicing. Near the end of XXXX, Fedloan Servicing notified me that my XX/XX/XXXX payment was late. I notified Fedloan Servicing that my XX/XX/XXXX payment had been paid to XXXX immediately prior to when I got notice that my account was transferred. Fedloan Servicing soon confirmed that it had received the payment and would credit it to my account within 10 days. After 10 days, Fedloan had not credited the XXXX payment and my account was still showing past due. Fedloan again confirmed that, yes, it received the XXXX payment from XXXX but it takes time to credit it to my account. Fedloan instructed me to make my XX/XX/XXXX payment as usual and as soon as the XXXX payment was credited to my account, it would reflect that I was up to date on payments. I have continued to make all monthly payments on time and in full. However, I receive late and past-due notices, stemming from the XXXX payment that Fedloan received from XXXX but has failed to apply to my account. Fedloan Servicing told me to ignore the late and past-due notices I receive as it will all be straightened out when it finally credits the XXXX payment. As of this date, Fedloan Servicing has not credited my account with the XXXX payment it received from XXXX when my account was transferred. It is unacceptable that it has taken 4 months for this to happen and that I am receiving late and past-due notices. Of course, I request that no negative information be reported to the credit reporting agencies and that no additional interests or fees are added to my account because of Fedloan 's failure to properly service my account and my XXXX payment from XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-03 00:00:00
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: DISCOVER BANK
State: PA

Complaint narrative:
Discover credit card offers price protection to promote its use. I 've been using this benefit in the past without any problems. Lately one of my claims was denied because they used different Criteria to determine the eligibility. My previous claim XXXX was approved on XX/XX/2015 for XXXX puchased from XXXX and paid back for the price difference. My newer claim XXXX was denied, however it was the same puchase in nature for XXXX. The price protection is against the same store to pay back the price difference. There was no notification about any new policy or change of term of the price protection. It is not fair for consumers to continue using the credit card under the false assumption that the benefit is still available. I contacted the discover price protection XXXX when I first received denial letter around XX/XX/XXXX. I then wrote a letter to them, but was denied again XX/XX/XXXX. I hope Discover could honor my request for {$190.00} price protection difference. I also wish Discover could send out letters to other consumers about their change of policy.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-11 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Threatened to take legal action
Company: First Recovery Solutions, Inc.
State: SC

Complaint narrative:
This company makes repeated auto calls to my cell phone. After calling the number, I am told the line is being monitored by court order and they are trying to sue me for fraud. The person said that unless I would like to be served at my place of employment or provide a home address, I can pay them {$480.00}.

Company response to consumer: Untimely response
Consumer complaint received 2016-02-25 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: High Point Asset Inc
State: MN

Complaint narrative:
An entity with phone number XXXX keeps calling my cell number XXXX. They call for " XXXX XXXX '' ( sp? ). 
I do not know any " XXXX XXXX '' and I have told that to the caller many times. I ask them to stop calling. They say they will stop calling, but keep doing so. I have had this cell number for many years. 
I wish them to stop calling.

Company response to consumer: Untimely response
Consumer complaint received 2017-04-06 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: Portfolio Recovery Associates, LLC
State: PR

Complaint narrative:
All my debts were included in my bankruptcy Inalready sent all the information to stop collection.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-03 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: WI

Complaint narrative:
Ocwen miscalculated my property taxes and as a result, my monthly escrow amount is {$1700.00} instead of {$700.00}. About a year ago, my property taxes got paid twice by Ocwen. My county refunded Ocwen the overpayment amount. Ocwen then calculated my taxes based off the double payment showing I was short, even though I was n't and Ocwen received a check for the overpayment. It is very frustrating because Ocwens XXXX call service center recognizes the error and every time I call to have my escrow recalculated to my correct tax bill, I am told it takes up to ten days and " I will put in a request ". Nothing happens. For a company so large to be so incompetent is beyond me. Unfortunately, Ocwen can see the error, but they wont respond. After reviewing the negative press surrounding Ocwen, I would think they would resolve customer complaints. Also, this is so simple and they ca n't fix it. Take my annual taxes divide by 12 months and you are done ... simple.

Company response to consumer: Closed
Consumer complaint received 2017-03-27 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: TOYOTA MOTOR CREDIT CORPORATION
State: DE

Complaint narrative:
On XXXX XXXX, 2017, I purchased a new car from my local Toyota dealer ( XXXX, XXXX XXXX, PA ). In a moment of weakness I also purchased a Vehicle Service Agreement with the {$1800.00} premium to be included in my auto loan through Toyota Financial Services ( TFS ). After reflection, I returned to the dealership 24 hours later and cancelled the agreement with the premium to be returned as a credit to my loan balance. After more than 4 weeks, with no refund and multiple inquiries to both the dealer and TFS, I was told that the refund process normally takes 6-8 weeks before the credit is applied to the loan balance. In today 's electronically-connected financial environment there is no legitimate reason for a simple refund to take that long to process. Two business days would be much more realistic.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-08 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA

Complaint narrative:
I 'm trying to get an issue resolved with my XXXX XXXX credit card. In XX/XX/2016, I notified my bank, XXXX XXXX XXXX, about XXXX unauthorized charges. They were back-to-back charges for {$1000.00} and {$1000.00} labeled " Diamond Ring '' dated XX/XX/2016. It is now XX/XX/XXXX and my case is still not resolved. I have spoken to several XXXX customer service and fraud agents about my fraud case and I keep getting the run around. I was even promised that I would receive a call from a manager within 48 hours and that has not occurred. No one seems to know or understand what 's going on with my XXXX account and the unauthorized charges. However, my credit score is suffering and I 'm still expected to make monthly payments. I 'm attaching all my monthly statements leading up to XX/XX/XXXX in this complaint.

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 2017-04-06 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: Bread Financial Holdings, Inc.
State: NC

Complaint narrative:
XXXX has triple charged me with interest within 5 days. There explanation for the finance charges being tripled is due to a deferment. I never requested these purchases to be placed on a deferred plan. I understand that I should have reviewed all pages of my statement each month. However ; XXXX failed to communicate that this was a deferred-plan upon my approval to purchase. Per the documents attached, you can identify the regular monthly finance charges and then a large finance charge of {$450.00}. I have closed the account and requested a credit of one of the finance charges, but they have refused to credit my account. This is a conspiracy and sneaky business on their part to rob individuals of their money.

Company response to consumer: Closed with explanation