vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-03-28 00:00:00
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: Retrieval-Masters Creditors Bureau, Inc., Elmsford, NY Branch
State: OH

Complaint narrative:
Company - XXXX - Bills for my XXXXProblem started over 2 years ago. They never sent bills and then turned me into collections for a large amount. No previous bill received. I paid the bill. The next year, after not receiving bills I called to find out what I owed and was told I had a credit with the company. They would notify when I began to owe them. Same story - a few months later got a collection letter. Once again it was a large amount but this time was unable to pay this. I was set up on a payment plan - I was told that all I owed was included in this plan. Few months later I was called by their collection department to pay an additional XXXX+. When I called them they said this as not included in the plan. They found this other amount. I have repeatedly explained the situation to them and they tell me it is taken care of but then it happens again. Finally in XXXX we put together a new payment plan of XXXX/month for a year and I was to be paid off in full. Today I received a collection letter for XXXX. I have never received a bill and they keep changing their stories. I have no idea any more what is right or wrong but I truly feel as if I am being cheated. I cancelled my XXXX because I just could n't put up with this anymore. I have enough health issues and I ca n't take this stress. How do I make this stop. I have received calls and notices and I am just tired of having to deal with his over and over again. I work in a professional office and I would have been fired by now if I handled the billing like this company does. If you google them you will see I m not alone in my complaint. Please help me. This also involves my credit but none of this has been my fault. Should n't they be held responsible on their end also? Thanks for any help you can give me. I do appreciate it. 

XXXX XXXX XXXX XXXX Ohio XXXX Phone XXXX Phone XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2015-04-10 00:00:00
Product: Debt collection — Non-federal student loan
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: First Associates Loan Servicing LLC
State: ID

Complaint narrative:
Peaks private student loan quit contacting me for a year after bankruptcy now every 3 months I receive an email stating that I owe them money. I have pulled my credit report and it does say discharged due to chapter XXXX bankruptcy. I have advised them of the bankruptcy my attorney information and the will still not quit contacting me

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-22 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: AR

Complaint narrative:
My mortgage was sold to Ocwen. I had to file bankruptcy in XX/XX/XXXX in order to keep my house. There were areas of accounting that I could not prove, but I have been keeping betters records. My bankruptcy was discharged in XX/XX/XXXX. Ocwen kept telling me that my account was in active bankruptcy. I had to call and call and I could not get anyone at Ocwen to do anything about it. Ocwen finally did an " audit of my account in XXXX of this year. Ocwen has claimed that sine XX/XX/XXXX I was a month behind on payments. I have a report from them dated XXXX XXXX that showed I made a payment every month until XX/XX/XXXX and I have bank statements that show payments every month through XXXX XXXX. Ocwen shows on their website and at the reporting credit bureaus that I have missed XXXX payment during the last year. I HAVE NOT!!! They refuse to correct the credit report. Ocwen has added insurance to my account and under bankruptcy they opened an escrow account for the insurance. XXXX billed the payment to Ocwen and as of XX/XX/XXXX I have paid the full premium for the insurance. I now have a positive balance in the amount of {$2.00}. Now Ocwen wants to add approximately {$230.00} per month to my payment for insurance that I do not even owe. I have faxed and mailed a letter stating that I am closing the escrow account since I am no longer in bankruptcy and that I will be paying my own insurance. They in effect are trying to robbing me out of {$1500.00}. I have seen lawsuits for each of these reasons stated in this complaint. I have tried to contact the research department, the escrow department, and supervisors that can speak in a language I can understand. I would like to know what else I can do or who else I can contact. I fear they are again not following proper financial standards and are trying to take my house again using fraudulent practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-19 00:00:00
Product: Consumer Loan — Installment loan
Issue: Shopping for a loan or lease — 
Company: Santander Consumer USA Holdings Inc.
State: FL

Complaint narrative:
To whom it may concern : I HAVE A CAR LOAN THRU SANTANDER CONSUMER : I went to check my mail on XX/XX/XXXX, i rec 'd my credit report from XXXX and took it to my credit consultant, she showed me where Santander Consumer has reported me XXXX ( 2x 's ) to the credit bureau. My car payment is set for the XXXX of each month, i understand about XX/XX/XXXX, ok, but XX/XX/XXXX, im NOT, if we are just on the XX/XX/XXXX how is it that i am reported for ( 30 days late XXXX XXXX for {$420.00} ). When i called the XXXX # the rep named XXXX got rude and i asked for the Supervisor, it was XXXX, when i asked why was i reported for XX/XX/XXXX for {$420.00} she said i was not that i needed to call the credit bureau, but i explained that i am holding my report printed on the XX/XX/XXXX which i will be uploading to this and still she could not explain SO CAN YOU TELL ME WHY IM BEING REPORTED AND DROPPING MY CREDIT SCORE THAT IS HURTING ME FROM MOVING FORWARD TO HELP BETTER MY CREDIT??.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-20 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC
State: WA

Complaint narrative:
My ex wife was awarded the property in our divorce in XXXX. She refused to pay the mortgage from the very first month, and on XXXX separate occasions I caught the payments up and took her to court to get her out and stop damaging my credit. Dealt with a different judge each time. The XXXX told her to keep them current, with no judgement on her part, even though it was ruining my good credit. At the lowest point, my XXXX score was at XXXX, based on her actions, not mine. The third time, I was awarded the property in XX/XX/XXXX. XXXX XXXX XXXX said I had to live there in order for them to work with me. For the next year in " modification '' of the loan they would not accept payments or send me a bill. Four times they " lost '' the paperwork and made me refile. Then they said they could n't work with me because the house had been in arrears for too long. Told me to vacate, which I did, in XXXX XX/XX/XXXX. XXXX sold to another servicer, XXXX XXXX XXXX, and they added ridiculous fees to the original amount, making the amount due well over the amount of the {$140000.00} original loan. They agreed to a short sale, and our realtor worked on it for a year. They denied XXXX cash offers, XXXX that was at full value. In frustration, she gave up, and we could n't blame her. They sold a year later to Nationstar, who added their own outrageous fees. Our lawyer got involved, as Nationstar has included my current wife " XXXX XXXX XXXX '' and it has greatly impacted her very good credit. Nationstar sent legal documents offering us a " in lieu of deed '' offer which would take it out of our name, which is what we wanted. Our lawyer responded to Nationstar and asked them to proceed. No response from them. He then sent them an Order to Appear to get the ball rolling, and they responded by changing legal counsel. We got frustrated and gave up. That was XX/XX/XXXX. Our hands have been tied for obtaining a home loan for 10 years now. We were just denied a loan today because of this. Our loan would have been approved without this very large blemish on our credit report. We want our names removed from the title of the property that no one has actually foreclosed on in TEN years! It remains in my name. We want this removed from our credit files from all three reporting agencies for both my wife and myself. Any help or direction you can give us would be greatly appreciated. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-11 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem with fraud alerts
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I went to the bank to make a loan and become a member, but when they pulled up my report it was showing a fraud victim/ XXXX alert ( and I 've never been in the service ). So the give me the number to Eqifax to make the dispute and take it off, the first time i called they kept putting me on hold and after all that i was told to fax my information and wait 48hours for a respond, after not getting a email i called again only to find they didnt " recieve my fax '' and was told to fax again. I asked how i was supposed to know if they got my fax and was told i had to wait the 48hours then call again ( so far that is already 6 days wasted ). three days later i call and they where able to pull up my fax only to tell me that since I 'm not through them they cant take the fraud off my credit and gave me information to XXXX other credit bureaus. I call XXXX to see if they can help me and was told they are unable to remove the fraud from my credit and was then transfered to another number who told me to file a complaint. This is crazy I 'm just trying to remove a fraud claim and for a week and a half now, have been given the run-around.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-03 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: NATIONSTAR MORTGAGE LLC
State: NY

Complaint narrative:
Can not get a lien release from champion mortgage. They claim to have no record of me but I have a title search that shows they are a lien holder. I have had the same house and have always made payments. I believe this occurred when I refinanced to another company. They even filed the lien with XXXX county in which I live. I have tried numerous times to talk to them and they just redirect me to another company. I don't know what else to do?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-29 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
Since we are requesting modification which caused me to fall behind on my mortgage payments I would like to be considered for a loan modification to decrease my payments fix my interest rate at a lower rate or increase the loan term and recapitalize or forgive the delinquent payments our loan transfer from XXXX after XXXX time package we submitted to lender than we are start submitted new modification XXXX times with new lender Select portfolio servicing and we never got any help or modificationIn order to get me caught up and prevent future delinquency My main goal is to keep my home for the long term we hit hard times recently and fell behind on our payments because bad loan term bad rate and financially hardship Since that time, we work hard and hardship is over and we improving every months My income is now improving we need help to modify my loan to keep family home

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-25 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: PNC Bank N.A.
State: DC

Complaint narrative:
Since XX/XX/XXXX, I 've received a series of very intrusive calls ( from XXXX, XXXX, XXXX, XXXX and XXXX ) that have come from either PNC Bank, or just a person or persons claiming to represent them. My phone 's caller ID does not display the particular number involved with any mention of PNC or a bank in its heading like it usually would. ( I 've had several legitimate contacts from them in the past ; and these are different. Usually letters accompany their contacts - but not this time. ) The calls come daily and several times a day. It seems that the callers are determined to be more and more persistent. 

In each of the couple of times they were answered they were told that they should already have certain items of information on file. They insisted that I give them vital account-related and personal financial statistics and were refused. However, my refusal went over their heads. They then asked about my granddaughter, XXXX, who was recently XXXX after 17 years of working for them for a group of strange and unsubstantiated accusations ( XXXX ). They questioned the validity of a check I wrote myself on an account I have with her there. They also tried to attach me to an account ( for loan payments ) which I do not own. ( It may be my granddaughter 's. ) They prompted me to make a statement as to " elder abuse '' allegedly committed by my granddaughter. I know her and my accounts well and nothing out of the ordinary took place with the exception of these rude and pointless attempts to unsettle me and steal parts of my identity. ( They may be trying to " fix '' her because she complained about not being paid for overtime. ) It seems that they think I have XXXX. I may be old ( at XXXX ) ; but it does n't mean I 'm senile. I am of sound mind. If the calls do n't stop a restraining order will be placed. The authorities will be contacted. I 'm tired of being harassed. 

Attached is a partial list of the dates and times on which they phoned and other documentation. 

Sincerely, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-29 00:00:00
Product: Money transfers — International money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: WV

Complaint narrative:
I paid XXXX XXXX $ 30USD for computer/Internet related services. He was to log into my game account and tweak my " game '' to give me better options and play. He took the money but never delivered the services. The payment was made with my XXXX XXXX card via PayPal. I attempted to dispute the charge with both PayPal and XXXX XXXX but neither would help because they do not recognize the transaction as being for " goods and services '' XXXX XXXX is a freelance gamer who accepts payment via PayPal. 

Sent to : XXXX XXXX ( The recipient of this payment is Non-U.S. - Verified ) Email : XXXXXXXXPayment amount : ( in currency funded ) - {$30.00} USDYour fees : - {$0.00} USDYour total charge : - {$30.00} USDPayment amount : - {$30.00} USDXXXX XXXX fees : {$0.00} USDXXXX XXXX receives : {$30.00} USDDate : XXXX, 2015Time:12:48:38 PDTStatus : CompletedFunds will be available to your recipient on or before : XXXX, 2015Note : The recipient can send or spend the full amount on this date. If the recipient wishes to withdraw money, limits may apply. 

Subject : You have sent {$30.00} USD to XXXX XXXX with PayPalFunding Type : Instant TransferFunding Source : {$30.00} USD - XXXX XXXX XXXX Checking ( Confirmed ) XXXXBack Up Funding Source : MasterCard Debit Card XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-04-02 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: Financial Credit Service, Inc.
State: CA

Complaint narrative:
XXXX collected {$2500.00} from me on XX/XX/XXXX for a settlement on a credit card debit. On XX/XX/XXXX ARA another collection agency attempted to collect on the same debit for twice the money. I informed them that this account was paid and they insisted that it was n't and were going to take me to court to get there money. I have a letter and my XX/XX/XXXX Bank statement indicating XXXX received the money. ARA claims the account is still open and is still owed money.I cant get hold of anyone from XXXX, and assume they are out of business or it was a scam all along.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-27 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
Not a duplicate. Must be delivered to each Credit Reporting Agency. On XX/XX/2017 I disputed an erroneous account appearing on my credit report. See CFPB case # XXXX. The line item is # XXXX pertaining to XXXX. XXXX failed to reply after 60 days. Due to their failure to respond within the 30 day period set forth by federal regulations, This item must be immediately and permanently deleted from my Equifax credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-21 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Seterus, Inc.
State: IA

Complaint narrative:
My name is XXXX XXXX and I have owned my home for 27 years. I am now facing a foreclosure sale date on XX/XX/XXXX because the company that is holding my mortgage loan Seterus is refusing to reopen a review of my current financial information in order to qualify for a modification of restructuring of this loan. My mortgage loan is backed by XXXX and I have found out that XXXX has several new programs they introduced that are designed to help struggling homeowners. I have been struggling after being laid off in XX/XX/XXXX from my primary job. I was able to hold things together with money from my XXXX and seasonal income XXXX but was not able to afford my mortgage. I applied for help and ended up getting approved for a new modification, but instead of lowering the interest rate or the payment it actually made it INCREASE. Based on the money I was earning at that time this was not affordable. 

I have now been back working XXXX jobs for several months and my financial situation has improved. The problem is that Seterus has already closed my case, and refuses to give me another chance to be reviewed for modification programs and instead is trying to foreclose. There is no open case, no single point of contact etc. I thought that if your financial situation changes or improves that the lender is required to conduct a new review of the current information to determine what I could qualify for. I do n't think it is right or fair that Seterus is failing to offer me access to these government programs that I feel I qualify for. I am a XXXX veteran and working XXXX jobs to make ends meet. I have lived in this house since XX/XX/XXXX and have never had a problem paying my mortgage until the last two years. I feel that I deserve a fair shot and should be treated properly and given access to all available programs to try and save my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-05 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Other transaction issues — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
XXXX/XXXX/17 I transferred {$1300.00} and {$1.00} dollar to my mother through QuickPay service provided by Chase using my smart phone. My mom did not receive {$1300.00} but she did receive {$1.00}. 
XXXX/XXXX/17 I transferred {$400.00} to my mom and she never received the {$400.00}. I have transferred in total of {$1700.00} that she did not receive. My mother received a text from Chase stating that I sent her money through QuickPay and they are processing the transaction. 
XXXX/XXXX/17 at XXXX I filed a claim with Chase over the phone. They let me know that {$1700.00} went to someone else 's account that is not my mother 's. They said I should hear back with an update in 3-5 business days. 
XXXX/XXXX/17 I did not receive any updates from Chase, so I went to the local branch and was notified that the only way to reverse the charges would be for Chase to contact the person who received the fund and ask him to give the money back. In the event that s/he does n't want to give back the funds, I would need to resolve this outside of Chase. 
XXXX/XXXX/17 I was notified over the phone and email that Chase will not reverse the {$1700.00} charges to my account. Chase had determined that the charges were correct. 

I would like to add that I never authorized Chase to transfer my money to a different bank account other than my mothers. In order to send money through Chase QuickPay, I needed to add my mother as a recipient by filling out her email address and phone number ( optional ), which I did both CORRECTLY. Chase explained that someone else must have signed up for Chase QuickPay using my mother 's phone number, and the money was sent to him/her. My mother has had this cell phone for 8 years and never shared it with anyone else. Again, I never authorized Chase to send money to that phone number. I was under the impression that the money would be sent to the account registered with the email address I had provided, and the phone number was only optional. Chase never notified me the the funds would be transferred using just the phone number of the recipient. Chase did not do their due diligence to verify that the person who 's receiving the funds indeed have the phone number that they provided on chase QuickPay

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Nelnet, Inc.
State: ID

Complaint narrative:
Back in XXXX I went into the student financial aid office at XXXX XXXX in XXXX Missouri. I was in the XXXX. College and handed over approximately {$3600.00} in cash to the receptionist and was issued a receipt. After several moves over a XXXX period I lost the receipt. 
As of XX/XX/XXXX I received a collection notice from be able to ask the U.S. Department of Education for student loan forgiveness. My doctor completed paperwork and I mailed it all in. See the attached forgiveness letter. 
My account number with Nelnet is XXXX and my SSN # is XXXX. 
I am XXXX years old now and just survived XXXX. I am living in XXXX housing and am on XXXX income. 
I fear that these folks from Nelnet will not stop in their efforts to collect on this spurious balance and if they succeed, will take away needed monies for me in paying for rent and food. It will place me into homelessness and sure death. 
I ask that your agency investigate and stop this action against me and issue me a written letter of the resolution for me of this personal crisis.

Company response to consumer: Closed with explanation