vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-10-02 00:00:00
Product: Prepaid card — Gift or merchant card
Issue: Managing, opening, or closing account — 
Company: Paypal Holdings, Inc
State: IN

Complaint narrative:
On XXXX XXXX, 2016, Paypal closed my account without any valid reason. The following message is displayed right after I logged into my Paypal account : ***** We recently noticed an issue with your account. To see what you can and ca n't do while your account is limited, go to the Resolution Center. 
Why is my account access limited? 
Your account access has been limited for the following reason ( s ) : XXXX XXXX, 2016 : We need a little bit more information about some money you recently received or withdrew. 
( Your case ID for this reason is XXXX. ) This limitation can not be appealed. 
***** The recent money Paypal indicated in this message, which I received, were around {$100.00} from cashback portal websites like XXXX, XXXX etc, and every single cent is traceable by its transaction name and source. I did withdraw them to my own checking account, however, I do not think it violated any Paypal 's policy or national laws after I carefully read Paypal 's terms and conditions and related regulations. 
Paypal closed my account with such groundless excuse and refused to further review my account, I tried to call in and email them via messages, explained everything patiently, but all I got were nothing but templates. 
Because of Paypal 's closure of my account, all of my eBay gift cards that are linked to Paypal are unusable. Even after calling in or emailing, Paypal still refused to unlink my eBay gift cards or return my money. 
I talked with eBay and they asked me to refer to Paypal for this issue, and I think eBay is right since it is Paypal that holds my money. 
Paypal has been doing this kind of illegal holding of one 's money all the time and I think it should be brought to attention.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-11 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I 've just returned from the XXXX for my business. I was traveling in remote areas of the country where the vendors I was purchasing from, for the most part, only accept cash. I used my XXXX Bank of America debit cards to access cash. As a bank of america customer from before it was called Bank Of America, I was charged {$440.00} in foreign transaction fees for accessing cash from my OWN BofA accounts. BTW, that same cash on deposit earns virtually no interest & they use my cash to make money via lending and other services. To charge me {$440.00} just to access my own cash which is on deposit with this institution essentially for FREE ... has me off the charts angry. This should be illegal & it is ethically & morally wrong. I can not believe I have been loyal to this institution for this long! In addition to these I also have been assessed {$130.00} in fees on my BofA VISA credit card. Essentially, it cost me {$580.00} to be a Bank of America customer visiting XXXX XXXX for XXXX days. Of that {$580.00}, at least {$440.00}, or 77 % was a fee to access my own money. How can this even be legal???? I would appreciate any help you can give me in getting these fees 100 % refunded. To date, they have refunded {$230.00} without explanation as to how they arrived at this figure. It matters not - it should be 100 % refunded & should never have been charged. I would like to know what the tax dollars I pay are doing to protect me???? XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-02-05 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc.
State: GA

Complaint narrative:
Hello - I received an Escrow Account Statement for my mortgage dated XXXX/XXXX/XXXX indicating there was a surplus of {$1700.00}. My mortgage is serviced by Seterus Inc., loan # XXXX. In the past, Seterus was very good about issuing a check for a surplus. I waited about 30 days but did not receive a refund. My loan is current, in fact, I make extra payments. Sometime in XXXX I called them inquiring on the status of the refund. they indicated that it takes up to 8 weeks. I waited ... I called back in XXXX, spoke with XXXX XXXX and she indicated that that it would take another 4 to 6 weeks, I asked to have this escalated as this did n't sound right. I called back the next day and spoke with XXXX and explained I was calling to confirm the escalation. she indicated there was no escalation. asked to speak with a supervisor ... during the transfer was disconnected so I called back. was connected with XXXX ... he was very nice but again said there was nothing he could do and needed to wait another 4 to 6 weeks. Asked to speak with a supervisor and was connected with XXXX. He requested a 'task ' to issue a check for the surplus but again it would take 4 to 6 weeks. I reminded them that according to the rules, the surplus should have been disbursed within 30 days back in XXXX. I feel that they are in violation and taking advantage of me ... Asked him to escalate the request. Called back today XXXX/XXXX/XXXX, they show a task to disburse the surplus but again will be in 30 days. I 'm very frustrated and not convinced that I will receive a check ... this company is not responding properly and i have asked to file a complaint their response is 'a task has been submitted and you should receive a check in 30 days '. I feel like I may not see the funds ... They have my money ... They have benefit ... I 'm at a loss of what to do ... Can you please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-04 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Prosper Marketplace, Inc.
State: OH

Complaint narrative:
Prosper took a double payment for XXXX ( despite their notes that " customer accidentally made a double payment '' ) as I have auto withdrawal set up for my account. I called Prosper on or about XXXX XXXX to inquire about the doubled amount of {$1300.00}. They stated it may take up to 15 days to refund the {$660.00}. I expressed my dissatisfaction and noted via internet that Prosper has done the very same with other consumers. I called again on Tuesday, XXXX XXXX and asked for a supervisor and was refused. The person on the phone informed me that partial refunds were not possible and that they would refund the entire amount and I would have to make another payment for XXXX and XXXX receive a late fee! When I voiced my complaint about the late fee, the representative agreed to call me when the XXXX was refunded so that I could make the XXXX payment on the phone with her and she would reverse a late fee. Today I received a notification that a refund would be issued within 5 days, however, I also received a notification that my XXXX payment is 8 days past due and another automatic payment would be initiated in 2 days! This means that {$1900.00} will have been withdrawn from my account for XXXX payment causing me to be unable to pay other bills on time. I did ask the representative " XXXX '' to remove my auto withdrawal so that payment could be made ( again ) only if the {$1300.00} is refunded to my bank account. I am not confident that this will occur. I will include the email reference regarding my auto with drawl so that it is clear that Prosper took the double amount. I did not accidentally make a double payment and the other information regarding late payment and fee can be reviewed. 
Please also note that there are may consumers with the same complaint about Prosper taking double payments and holding them as well. All it takes to find them is a simple XXXX search. 
Thank you for your consideration.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-11 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: ID

Complaint narrative:
Equifax Credit Bureau not fully investigating the credit dispute regarding a XXXX XXXX XXXX account. It was returned verified which in fact is still incorrect with the other reporting credit bureaus. 

On Equifax Acct # XXXX status is open, but reports Date of Last Payment of XXXX XXXX, XXXX. On XXXX and XXXX, they both demonstrate the same account above as Closed Status, Collection and Charge off. XXXX reports Closed date of XXXX XXXX, XXXX, while reporting a Date of Last Payment of XXXX XXXX, XXXX with no payment history indicated.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-28 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Called outside of 8am-9pm
Company: DISCOVER BANK
State: CA

Complaint narrative:
Two back to back phone calls on XX/XX/2017 at XXXX They call around every 3 hours Mon-Sat The creditor is Discover credit card.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-08 00:00:00
Product: Money transfers — International money transfer
Issue: Other transaction issues — 
Company: KEYCORP
State: NY

Complaint narrative:
I sent {$10000.00} to XXXX supposedly for the purchase of securities that were to generate me a monthly return. I was to send {$35000.00} total but I choose to do it in installment in the event this operation was a scam. The reason I was trusting was that I was making money initially with doing binary trading and would receive my withdrawals when I submitted them. I decided to close out my account and get my money back but the company is not responding to my phone or e-mail request. I had over {$17000.00} in my account in addition to this {$10000.00} wire transfer I did on XX/XX/2016 from my checking account at Key Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-10 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: LA

Complaint narrative:
XXXX ( previous complaint ). The case reference has probably been closed. However - the same people and Wells Fargo - We finally executed deed in Lieu of foreclosure - XXXX 2015. We got a deficiency notice of around {$46000.00} ( the property under-appraised ) The original Loan was # XXXX ( {$320000.00} )! So they advised that our property was worth a lot less .... however, we recently discovered the property is up for sale for {$330000.00}. Is this legal.. we had to consider the deficient portion as income for taxes ... Please advise on what we can do - they have destroyed our credit at this point. 

Sincerely XXXX XXXX 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
Consumer complaint received 2016-04-28 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: HIGHER EDUCATION STUDENT ASSISTANCE AUTHORITY (HESAA)
State: NJ

Complaint narrative:
Like a desperate college student, I got a private Hesaa NJ Class Loan. I defaulted on the loan, my parent and I put down a large lump sum amount. I was put on a temporary payment plan to give me time to pay the rest. However, if you do n't have the money, you do n't have the money. I made all my payments on time. Received a letter that the balance XXXX was due, called the Attorneys to continue this payment plan, because my family do n't have the lump sum to pay off. We cant get a loan, because this loan in preventing us from getting any outside Loan. So we are stuck. Hesaa, please give families that have defaulted on your NJ CLASS LOAN the ability to rehabilitate their loans.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-11 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Harley Davidson Financial Services Inc
State: IA

Complaint narrative:
Harley Davidson Financial has been calling me everyday all day repeatedly. I called them and made payment arraignment. They are still calling and harassing me. I told them that they are harassing me and they said according to my contract that they are allowed to call me up to XXXX times a day. I told them by law it is still harassment and they called me back again.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: PA

Complaint narrative:
Nationstar mortgage refused to give me a loan modification because they want to take my house. I have been told to contact XXXX XXXX at XXXX and no ever answers or returns my call. A while back XXXX put some envelope with paper work underneath a mat on a door of my house that is never used so I did not get the papers. Now NationStar is ready top foreclose and has removed the ability to send email messages on their site and they do not provide any email for the loan rep I am suppose to contact.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-17 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC
State: TX

Complaint narrative:
This has honestly been an horrible experience for me. We got behind in our payments because of death and job loss over the last year. However, when we applied for our home modification last year they increased our payments by {$1100.00}. We asked why our payments went up the response was " if was how we filed the paperwork ''. I do n't understand ; did n't Nationstar Mortgage give us the application? Yes. So how did we mess it up? They refused to talk to me when I call and have some of the most irritating people that answer the phones. Fast forward we are now facing foreclosure. I called and asked for a reinstatement about and they could n't tell me. Then I asked for a proper home modification application and they refuse to give me the papers. They also have people coming to my door constantly asking dumb questions. For example, the last man came and asked how lived here. So I said please leave my property because this is illegal and you know it. Moreover, the rep. Told me that we have other options but he ca n't tell me what they are. WHAT!! I fell like I 'm talking to a brick wall with these people. Also I got so frustrated that a VA rep. contacted us and volunteered to call Nationstar Mortgage with us to get some answer. She got so mad at them I honestly think that she was mind blown on how they refused to answer to her. All I can say is that I am tired of the stalling tactics and illegal works. I honestly can say that they do n't care about you and your family. All they want is money and even when you do that they are still not happy. Oh and let 's not mention the fact that they never honored our XXXX VA XXXX XXXX Escrow exemption that 's given by the county clerks office. Straight crocks. I wonder if the CEO knows what his company is doing to our veterans and their families? I think that I will write home a letter!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-16 00:00:00
Product: Debt collection — Medical
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Fradkin & Weber PA
State: MD

Complaint narrative:
I was in an accident in XX/XX/XXXX. I had a lawyer, XXXX XXXX XXXX who was authorized to handle my claim. All my medical bills was forwarded to him. I never received any information on any type of medical bills that were owed. On XX/XX/XXXX, I was contacted by letter stating : I owed over {$4300.00} in medical bills, to XXXX XXXX XXXX XXXX XXXX XXXX, to collect a delinquent debt. I had medical insurance at the time under my parents and car insurance. I was sent to this medical service by my lawyer. I had no intention on going to this company. I figured, I would go to them since the lawyer, worked with this company. I contacted my old insurance provider and the other victims insurance who was at fault. My insurance sent {$2500.00}, to the lawyer for medical bills. The other insurance, provided a sum of money to the lawyer for medical bills ( waiting to hear back ). I also tried to contact the lawyer at the time and he got his bars taken away ( no longer a lawyer ). I also had a friend who was involved in the accident, who had to get her bills taken care of. I missed work for some time and had no vehicle for over a month due to repairs. Why, did n't this company contact me after several months? They sent me papers on what they believe I owe, 9 yrs later! There is no account information of my insurance carrier, no information from my lawyer at the time and no accident claim number listed on the bill. 
I first, thought this was a scam because there is a lot of scams that go on with people owing money. I do not agree with this debt because 1 ) its too old 2 ) my lawyer got his bars taken away. 3 ) I am being harassed, for information that this company should have taken care of years ago. 4 ) They never listed my insurance company, claim number or any information of my accident. 
If they knew this was accident related, they should have put this information on the medical bill. It is not my responsibility to take down this information. I was not an employee at this medical center. If they did not properly handle their debt in a professional, timely, organized, manner why should I be held accountable for somebody else 's mistakes?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-29 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC.
State: KY

Complaint narrative:
Multiple disputes on several incorrect items on my bureaus. Submitted clear and concise documentation proving their errors. After 3 rounds of " updating '' with no changes I am filing a formal complaint against Equifax and XXXX for not complying with the FCRA laws and the legal requests I have asked for stating how they came about their decisions of " non removal '' and " verified as correct '' which is apparently not the case when proof is provided on numerous occasion.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-29 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: OH

Complaint narrative:
I made a payment on my mortgage loan on XXXX XXXX, XXXX. It was for the XXXX XXXX, XXXX payment. Ditech apparently applied it all to principal. I received a call on XXXX XXXX, XXXX at home regarding my late payment. I explained my payment was not late. The gentleman that call me said he would look in to it and call me back. He never called back. My wife received a call on XXXX XXXX, XXXX at home regarding the same late payment. She explained to the woman at Ditech that the payment made on XXXX XXXX, XXXX was a regular payment and that it should not have all gone to principal. The woman at Ditech assured my wife it would be corrected. I called on XXXX XXXX, XXXX and spoke to someone in collections who then transferred me to customer service. The man in customer service assured it would be corrected and taken care of. I called again today XXXX XXXX, XXXX and it still is showing my payment is due for XXXX XXXX, XXXX. I am worried they are going to show me 30 days past due and mess up my credit rating. I called to try and speak to someone and got voice mail. I am very frustrated at this time.

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 2015-08-17 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: DISCOVER BANK
State: NE

Complaint narrative:
Here is the story all over again, as I recall it, XX/XX/2014, there were quite a few advertisements regarding business opportunities on t.v. XXXX in particular was of a mother who worked really hard and could not make ends meet with XXXX XXXX assistant she began to make thousands from home. I sent an email as the company provided their email address in the ad. I never received a response from the company that was doing the advertising. A short time period after that I received a call from a guy that claimed to be currently running the facility. He began to interview me stated that he had to verify that I met the criteria to be a part of such a lucrative business opportunity. He advised he had XXXX difference platforms ranging from XXXX to XXXX XXXX dollars. He stated if I purchased the XXXX XXXX dollar package, everything would be done and customized for me, and I was guaranteed to make money, without lifting a finger. Here I am weeks later, and to my knowledge I still do n't have an active account. They mentioned that my account is active, but I never even put anything on it or seen it. They swindled me out of {$3200.00} dollars and several monthly fees of {$110.00} stating that it was essential for the operation of my website. WHAT WEBSITE, I DO N'T HAVE ONE! Which has brought me to this point. My credit card company states they will not refund my money because the merchant responded. In their responses they provided a contract which I admitted to signing and a record log of me attempting to contact them excessively, which only proofs that I was n't receiving the assistance I needed. Regarding XXXX, XXXX and case number XXXX. Please advise my credit card company under the Federal Truth in Lending Act ( TILA ) and Regulation Z, I have ONE YEAR to file a non-billing error type dispute. Ever other credit card and debit card holder has refunded my money. This is simply a claim of service not as described which can still be disputed. Please help me advise the credit card company that for this purpose allow they should issue a refund promptly. My wife and I have already been through enough calls, emails, irate conversations with the merchant. They should not be signing with the merchant, this is a form of XXXX abuse. I called previously and try to stop these monthly fees and my credit card company failed to assist me. PLEASE HELP US!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-02-18 00:00:00
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
I opened an account with Amazon prime for a credit card issued by Synchrony Bank. They added a fee for card security without my permission at a cost of {$2.00} per month. They were counting on my not catching this. When I called the telephone number for customer service I was connected with an off shore call center staffed by English speaking foreign nationals. The rep said he would cancel. 
This is an example of a predatory and dishonest credit card company.

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