vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-03-13 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Rosebud Economic Development Corporation
State: CA

Complaint narrative:
Q Credit has already took {$880.00} from my bank account for a {$1600.00} loan that lead me to investigate the company. This company claims that I still owe a balance of {$1600.00}. The company a tribal lender of the XXXX XXXX XXXX of XXXX operating within the boundaries of the XXXX XXXX XXXX of South Dakota, which when I contacted the Attorney Generals office I was informed that they do not even have a license to operate in the state of California. I have sent a letter to them via email to stop taking money out of my bank account. I refuse to pay anymore for a loan with not normal fees that are high and now has cost me and my family to be evicted due to having them remove money every time I get paid from my account. This company is robbing people blind that they claim to assist with loans. We are now living in a motel with my XXXX children due to the practices of this company. This is extremely upsetting and this company needs to be stopped.

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 2016-08-15 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: EXPERT GLOBAL SOLUTIONS, INC.
State: VA

Complaint narrative:
I previously had a loan on my 1996 Acura integral with superior bank of Nj. The loan is paid off and I need a lien release to get my title but the company is out of business. I need something to provide to the XXXX to show there is no lien and no one can seem to help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-11 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: PHH Mortgage Services Corporation
State: PA

Complaint narrative:
CLIENT CAME INTO THE OFFICE TODAY FOR DEFAULT COUNSELING. RFD- CLIENT WAS GIVEN A LOAN MODIFCATION IN XXXX 2014 PITI OF $ XXXXXXXXAND TAXES & INS OF {$710.00} FOR A MONTHLY PAYMENT OF {$1300.00}. CLIENT BEGAN MAKING PAYMENTS AND AFTER AN ECROW ANALYSIS HIS MONTHLY PAYMENT WAS INCREASED TO {$1600.00}, WHICH HE CAN NOT AFFORD. 
CLIENT ATTEMPTED TO CONTINUE TO MAKE THE {$1300.00} AND HIS PAYMENTS HAVE SINCE BEEN REFUSED. I CALLED PHH AND SPOKE TO A REPRESENTATIVE NAMED XXXX SHE ADVISED THAT CLIENT IS DUE FOR XXXXPAYMENTS. THE LOAN MOD AGREEMENT IN 2014 ONLY SHOWS THE PITI OF {$590.00} NOT THE TAXES AND INSURANCE.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-12 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: PHH Mortgage Services Corporation
State: ME

Complaint narrative:
Client wrongfully denied a XXXX HAMP loan modifcation. He was denied by PHH Mortgage because they say he did not successfully complete a previously HAMP offer. He never accepted or was offered a previous HAMP modification.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-03 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PHH Mortgage Services Corporation
State: MN

Complaint narrative:
I refinanced my mortgage with the original loan company that provided me my first time home owner loan. I was very comfortable with Envoy and their services. My refinanced loan was immediately flipped and now managed by PHH mortgage. I reduced my mortgage in my refinancing by a few hundred dollars. Now, under PHH mortgage they are charging me a " fee '' $ XXXX+ to pay my mortgage online?? I find this absolutely ridiculous in the day and age of online payment and really feel like they are taking advantage of folks. I do n't want to be even dealing with this company, received no notice of any of this occurring and really feel powerless and concerned.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-13 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: PHH Mortgage Services Corporation
State: WA

Complaint narrative:
I submitted a complete Borrowers Response Package on behalf of my clients on XXXX/XXXX/2016. The Borrowers were finishing a Forbearance period upon submission of the package for review of modification and other options. As of XXXX/XXXX/2016, the SPOC, XXXX XXXX at PHH Mortgage Servicing Center reviewed the file with me. She stated that she sees the documents were scanned to the Borrowers file. However, no action has been taken to open a review. I inquired about an Acknowledgement letter being sent to the Borrowers. She verified that one was on the file, but was never sent to the Borrowers. I requested escalation of the file. She stated she will email the Document Review Department. This file was submitted on XXXX/XXXX/2016. It is now 40 days from the submission of the Borrower Response package without being looked at.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-11 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: PHH Mortgage Services Corporation
State: NJ

Complaint narrative:
Asked for a Mtg Modification. Was offered a {$200.00} per month reduction but they wanted to add 20 years to the end of the current payoff date.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-15 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: ASSOCIATED BANC-CORP
State: WI

Complaint narrative:
I closed my checking account on XX/XX/XXXX. All on bank video cameras I have receipts for XXXX out my account for closure. 
Associated never closed the account and continued to do business on my account until XX/XX/XXXX without my knowledge. Anything that that would accidently be submitted to that account should have been kicked back and said " account closed ''. 
I have video of XXXX and Bank manager ( who did n't want to be recorded ) recorded. XXXX said " she closed my account properly. So, I get a phone call from some lady who was never involved. Who told me, Associated cant get my money back, but she will close the account immediately. Why did n't they close my account immediately on XX/XX/XXXX All I was able to recover was {$80.00} of my accidental direct deposit of {$540.00} ( which should have been kicked back account closed ) XXXX = {$460.00} I should be returned.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-30 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: PHH Mortgage Services Corporation
State: VA

Complaint narrative:
On XXXX XXXX, 2015, I set up a direct debit with PHH Mortgage to have my monthly mortgage be paid on the XXXX of the month, every month. I attached a copy of the confirmation email i received. I also attached copies of how my mortgage is showing in their system ... that is is set up for direct debit. 
I found out that because I am in Chapter XXXX bankruptcy, the payments were not debited from my account. I was not aware of this. I first realized when I received a letter from my bankruptcy lawyer stating that they ( PHH ) are pursuing a consent order to have my home removed from bankruptcy protection. I contacted PHH immediately and explained the situation. The agent could see where I did set up direct debit but explained that they did not go through because of my bankruptcy. They would not allow me to make up the 'missed ' payments but directed me to their lawyer, who has not returned any of my phone calls. I do not want to lose my home and I do n't understand why they will not accept my payments and allow me to bring my mortgage current.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-28 00:00:00
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: USCB Corporation
State: MS

Complaint narrative:
debt collector put an old bill on my credit report, and changed the date from a early date to a later date

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-10 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: The Receivable Management Services LLC
State: CA

Complaint narrative:
I have received numerous collection letters in the past year. The letters indicate that I owed XXXX XXXX of California that they turned over to a debt collection service. I have contacted XXXX XXXX of California several times and have been told that my record is clear and there was nothing turned over to a debt collection agency. 

I have tried calling the number on the letter ( XXXX ) XXXX and have never been able to speak to anyone as it simply rings and no one answers. 

The letters come from several different addresses and the format of the letter often differs. It is almost like the communication is being cycled through different processes to make it appear it is being escalated. I have even received a letter that had an envelope which was blank including no return address and asked in the letter to write in the return address shown on the letter. 

I am convinced this is a scam

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-07 00:00:00
Product: Debt collection — Auto
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: CREDIT ACCEPTANCE CORPORATION
State: TX

Complaint narrative:
TO WHOM IT MAY CONCERN-THIS ACCOUNTIS REPORTING AS OPEN AND PAST DUE THAT WAS INCLUDED IN MY CHAPTER XXXX CASE # XXXX. I HAVE MADE MANY ATTEMPTS TO THE COLLECTIONS AGENCIES TO CORRECT THIS INFORMATION WITH NO SUCCESS. THESE ACCOUNTS HAVE ALSO BEEN SOLD TO NEW COLLECTION AGENCIES THAT ARE REPORTING THESE ACCOUNTS AS NEW ACCOUNTS, WHICH I UNDERSTAND TO BE ILLEGAL PRACTICES AND HINDERING BY ABILITY IN REHABILITATING MY CREDIT AND MY PROTECTION UNDER THE CHAPTER XXXX BANKRUPTCY LAWS. 
ATTACHED YOU WILL FIND A COPY OF MY CREDIT REPORT AND CHAPETER XXXX PAY SCHEDULE OF CREDITORS

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-12 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: CIBC BANK USA
State: IL

Complaint narrative:
When my 1yr/30yr amort loan came up for renewal in XX/XX/XXXX, instead of being renewed as it has since XXXX.a new loan was offered-a 10 year, fixed rate loan, that raised my monthly payments by about $ XXXX informed the loan officer at this time that I would not be able to afford this new payment.He advised me to sign the loan to avoid default, but assured me we would come up with a modification shortly after.After submitting and resubmitting various documents ( a 30 day period ran out before my tax returns were completed ), I was denied a conventional refinancing loan.Next, I was asked to submit a hardship letter, stating why I had been out of work and fallen behind on my payments.I complied with this request.Then I was asked for my college students ' payment schedules for XXXX and XXXX.I also complied with this request and supplied all requested documents and information.With various delays in getting health privacy waivers, having to resubmit information when 30 day deadlines passed, and waiting for financial information from the colleges ' ( again, privacy laws ), All information was finally submitted to the bank. 
My next correspondence was a registered letter demanding all back payments to bring the loan current. I responded that I was cooperating with all his requests, based on his promise to offer a modified loan, along the lines of previous loans, with a similar monthly payment.We spoke by phone, and exchanged emails, but no alternative or modification was ever offered.Only a demand for payment to bring the loan current.I told him I could not afford this solution, and reminded him of his advice to sign the note, with the promise of a modification forthcoming.In the following weeks and months, no modification was ever offered, and my financial situation remained the same.Eventually, this led to a notice of foreclosure being delivered on XX/XX/XXXX.I am hoping he will uphold his promise of a modification, since I was honest and upfront with him about not being able to meet the new monthly payments.So far, his position has not changed, he is demanding the amount past due to bring the loan current ( approximately {$46000.00} ), which I do not have. Even if I did, it would be a month or two before I fell behind again, as I can not afford the monthly payments on the new note, as I told him at the time.

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 2016-04-14 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: Professional Debt Mediation, Inc.
State: GA

Complaint narrative:
On XXXX XXXX 2015 we moved from XXXX in XXXX XXXX, GA to XXXX in XXXX, GA. We left due to management not dealing with issues. XXXX The noise of cars coming in at XXXX, XXXX or even XXXX with the base woke us up consistently. We always got told to call the cops but when the police would get there nothing would be able to be seen or heard.It was XXXX that use to own XXXX. Then XXXX company came in and took over. The situations became even worse than before.Our belongings were out by XXXX and the keys were put into their slot. We have paperwork with the rental truck etc. They kept our security which we just wanted out of there so we did n't care. But because They did n't return until XXXX XXXX which is a monday they are trying to state we owe XXXX for a full months rent. But their was XXXX of us in this apartment and they are only coming after me and put it on my credit report. We do n't owe the money as we were out. I dont get why they state I owe this money and I am trying to get this off my report. I paid a week in advance for wedgewood which was XXXX to move in. We were fully in by the XXXX XXXX. How can they put this on my report and give it a negative due to this collection agency? PDM Debt Mediation

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-23 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: Professional Debt Mediation, Inc.
State: FL

Complaint narrative:
I received collection letter with {$99.00}, after my final balance letter from my old apartment complex XXXX XXXX, XXXX, FL, was mailed to me indicating that I have XXXX balance. I mailed a dispute letter and included a proof about my final statement saying my balance is XXXX. still they are trying to collect this amount without providing any evidence why I am being charged.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-23 00:00:00
Product: Payday loan — 
Issue: Received a loan I didn't apply for — 
Company: Allied Collection Services, Inc. (Nevada)
State: CA

Complaint narrative:
On XX/XX/XXXX Allied Collection Services located in XXXX NV, added four accounts to my credit report. I called and reported to them that the accounts are not mines and I 'm a victim of identity theft since XX/XX/XXXX. I had to file bankruptcy just to clear my name. I 've emailed my bankruptcy paperwork to them so this matter can be cleared and nothing has happen.

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 2016-03-09 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Schachter Portnoy, L.L.C.
State: NJ

Complaint narrative:
Case number : XXXX This is a follow-up to the previous complaint against XXXX XXXX XXXX and Schachter and Portnoy ( the collection attorneys ). I was in touch with my son, XXXX, the original signer of this loan and the one who was paying this loan through XXXX for many years. He called XXXX XXXX XXXX of the Firm of Schachter and Portnoy and left a voice mail and never received a call back. He attempted on several occasions to reach out to XXXX XXXX but to no avail. This is his loan and he is willing to pay it back, but the creditor needs to be in touch with him, not me. I have provided everyone with his phone number and address and he called and left his phone number for XXXX XXXX to reach out to him and he received no return call. It would be appreciated if this matter would be resolved immediately. 
Very truly yours, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-16 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: Paypal Holdings, Inc
State: TN

Complaint narrative:
I get a letter in the mail saying I owed {$19.00} for an account on Pay Pal Credit that I never opened or used. I have a regular Pay Pal account, so someone tied both of these together without my permission. When I try to pay them with my credit union checking account., they refuse payment, and want to to send a check to them. No, I do not send checks, due to the fact many people get defrauded and their checking accounts hacked, by sending them. I tried paying with a credit card, and they refused ( because I just want it to go away ). So, they have said they are going to take legal action against me, on this, and will destroy my good credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-17 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: The Receivable Management Services LLC
State: PA

Complaint narrative:
I am being contacted by a collection agency that has provided no proof of debt. This has been previously disputed and is not my responsibility.

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 2016-08-24 00:00:00
Product: Money transfers — International money transfer
Issue: Other transaction issues — 
Company: Paypal Holdings, Inc
State: AL

Complaint narrative:
I sold an XXXX XXXX on eBay to a buyer in XXXX. I used eBay 's recommended shipping method of USPS first class mail. The funds were transferred to my PayPal account from the buyer. PayPal then released the funds to me after 3 weeks, but before the package had been listed as delivered. The phone was said to have arrived in XXXX, XXXX 5 days after I sent it from XXXX and there is no other tracking information available. The buyer then claimed to have never gotten the phone and filed a complaint with eBay and PayPal. I contacted eBay about the complaint and they granted an additional 15 days before hearing the case. 8 days after that, PayPal went ahead with the case and ruled in favor of the buyer. They refunded him the {$190.00} he paid and now I owe them that because the released funds had already been transferred to my bank. I contacted the very rude customer service reps at PayPal and they said it 's their standard policy to side with the buyer, but lots of scammers come from that area of the world. After talking a supervisor with customer service he said " sorry, that sucks '' when I asked for my money to be refunded since they allowed it to be effectively stolen from me. I also called eBay who told me there was nothing they could do besides investigate the account but it was " probably created for this purpose. '' I now owe PayPal {$190.00} and do not have the phone because they allowed funds to be transferred to the bank before delivery had been completed.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-30 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: I.C. System, Inc.
State: OH

Complaint narrative:
XXXX XXXX Hospital starting charging my credit card that was stolen a monthly bill. It appeared after I reported my card stolen but still showed up because it was a installment amount. I disputed the charges ... 3 months in a row. All XXXX were removed and deemed unauthorized charges. XXXX was blocked from further charges and did not show proof that the debt was in fact mine. 10 months later they sold the account to a debt collector ; IC Systems XXXX, MN XXXX XXXX Account # XXXX. I contacted this company and provided documents showing that the charges were not authorized and a result of fraudulent activity. They stated that they would close the account. Several months later they reported it to my credit reports illegally.

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 2015-06-16 00:00:00
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: Paypal Holdings, Inc
State: CT

Complaint narrative:
When I attempted to change the email address on my PayPal acct, the company apparently opened a separate PayPal Credit acct with my information and automatically applied my next charge to the new acct -- so instead of my initial charge being paid off with the credit card on file, they charged me interest and late fees. When I contacted them to complain, they offered to close the acct if I made a payment of half what they claim I owed. I did this, and then several days later I received a new statement showing my payment and adding another late fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-02 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: The Regional Adjustment Bureau, Incorporated
State: GA

Complaint narrative:
I previously had a dispute with XXXX Bank in which I owed no monies and the account was to be closed. However, they have since placed the account with a collection agency.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation