vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-07-07 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: CREDIT ACCEPTANCE CORPORATION
State: VA

Complaint narrative:
I purchased an ( Infiniti FX35 XXXX ) from a car dealer called XXXX located in XXXX, XXXX. During the contract signing, everything was signed digitally on their computer system. After signing the contract, they only gave me the printed copies of the extended warranty 's documents and told me that their printer suddenly developed fault and promised to print and mailed it through XXXX by the following day. 
During this transaction, I made a down payment of {$4500.00} to the dealer, and the signed contract was supposed to be : Vehicle Price = $ XXXX+ Extended warranty = $ XXXX+ Taxes and others = $ XXXX+ Based on the above break down, the total amount was $ XXXX+,. 
My monthly payment was {$430.00}, the term of the agreed contract was supposed to be 30 to 36 months. 
After one month I decided to cancel the extended warranty due to the fact that they refused to fix the car because the car had multiple issues which they did not disclose to me during purchase, all issues came up when I drove the car from XXXX to XXXX in XXXX, the following day I called them up a made a complaint about faults I discovered, they advised me to take the car to a workshop and inform the warranty company, I did just that but the warranty company refused to pay because the cost was up {$2000.00}. 
After I made up to nine months payment consistently, I decided to call up the company that financed the car by name " Credit Acceptance '' and required to know my balance, at that point they inform me that my outstanding is $ XXXX+, and term of the contract was increased to 60 months as against the 30 months which I signed for. 
At this point I asked them about how much they did finance the car, they told my $ XXXX+ I asked them why and how did they pay up to $ XXXX+ because I made a down payment of {$4500.00} which supposed bring down the balance to $ XXXX+ before the financing, at that point they told me '' we know nothing about your down payment, call up your car dealer and ask them ''. 
Both sides have been pushing me around. 
( 1 ) I signed for 30 months contract not 60 months. 
( 2 ) The dealer tricked me they were going to send the contract documents the following day because printer was faulty, till this time the contract has not been sent to me. 
( 3 ) The down payment I made could not be accounted for. 
Please I really need help, I am still new in this country struggling to meet up. 
If I should be paying {$430.00} on a monthly basis, meaning I will end up paying {$25000.00} to the lender adding to the {$4500.00} down payment making it {$30000.00}, I did not bargain for this. 
This car is a XXXX infiniti FX35, with XXXX miles during purchase. 
Please contact me if you need more information.

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 2015-09-04 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Columbia Recovery Group LLC
State: VA

Complaint narrative:
A XXXX/XXXX/2015 dated letter was received at my home in Virginia from XXXX XXXX XXXX regarding a lease from a California Military Base housing I stayed at during XX/XX/XXXX to XX/XX/XXXX. They said I owed {$4000.00} ( XXXX principle with 10 % interest ). This was the first time I seen/known of a charge and I have been in contact with the leasing office regarding other matters and they never mentioned I owed them money. My lawyer wrote a letter concerned this was fraud on Military Service Members. He requested an itemized list utilizing the right to dispute from the letter. No response was received and on XX/XX/XXXX the debt was reported with a lost of XXXX points on my credit report for the amount of {$4100.00} in collections. I still do not know what the debt is for. 
My husband was also on the collections letter, but was not on the lease.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-23 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Professional Debt Mediation, Inc.
State: FL

Complaint narrative:
I recently requested a copy of my consumer credit report and I discovered that this creditor was reporting a debt that I do not owe. I researched this debt which was linked to residential address that I am in no way associated with.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-10 00:00:00
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: Paypal Holdings, Inc
State: AZ

Complaint narrative:
I recently discovered an unauthorized hard inquiry on my credit report from XXXX ( XXXX XXXX ) which upon further review the entity for PayPal. Upon calling customer service I was told that " when setting up my account I must have selected that I wanted PayPal credit which automatically sent an application for the line of credit ''. I never once intentionally opted to apply for this line of credit and it is obvious that it was done in a deceptive manner when making purchases. I have been using PayPal for approximately ten years and never set up my account to use PayPal credit. Consequently my credit score has dropped nearly XXXX points from XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-22 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: Allied International Credit Corp., (US)
State: ID

Complaint narrative:
Allied repeatedly called multiple times per day some times multiple times within minutes back to back in an attempt to harass.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-05 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: PHH Mortgage Services Corporation
State: FL

Complaint narrative:
I lost my home to forclosure, applied for loan with my local XXXX in 2008, they sold loan to phh mortgage at closing apparently, notice was given that our server was being changed from mortgage services to phh mortgage services same telephone number for both At closing we paid a full year of insurance up front, the originator XXXX XXXX presented himself as XXXX employee although he was registrated with nmls working for phh. Despite the fact I 'm told a corespondent leader could n't work for a XXXX lender at the same time in ct, XXXX became the investor and said they were involved with loan from beginning. Phh said it was n't XXXX, XXXX said they were and we never Had a true opportunity to modify our loan and yet my credit report said we had an partial payment agreement, I wish I could understand what happened so I can move on with our life, phh sent us a lettler our payment went up for lack of insurance then a lettler came that said their records show we had insurance with XXXX and they had n't received our permission to change it we had our insurance with XXXX which they paid out of funds from closing! When I failed to get anyone at phh to resolve this I called td bank na well they were baffled said the did all there closing in the bank and not at an lawyer office in which our took place they said phh had done some work for them but could n't verify our originator. If anyone could explain this relationship phh td bank XXXX I would be greatful. Oh also at one point I was told our escrow account was in the negative then while we were in court I received statement with XXXX. Dollars in the escrow, well they got it I wish I had my wits to fight

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-19 00:00:00
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Credit Corp Solutions Inc.
State: NC

Complaint narrative:
I have been receiving relentless phone calls from Credit Corp Solutions ( XXXX XXXX XXXX # XXXX, XXXX XXXX, CA XXXX, ( XXXX ) XXXX ) over a XXXX XXXX balance of approximately XXXX. Today they called my ex-husband trying to get information from him about me. we have been divorced since 2002! After I accumulated this debt, I was laid off from my job and took a loss of XXXX per year which significantly lowered my ability to pay as much on my bill as before. I continued to pay XXXX per month ( which is what I could afford at the time ) after my lay off and decrease in income. They started to continuously call me, up to 5 times per day, and tell me to pay more. I responded to their phone calls and told them that the most I could afford to pay on this bill was XXXX per month. They rejected this proposal and refused to negotiate. I then told them that I could not agree to pay more. I did research this type of situation and it is more harmful for me to make small payments without an agreement as it still was been reported to the credit bureaus even with the small payments I had been making all along. I do not want them to call me, my ex-husband or any of my family over this. I would still agree to the XXXX if they would agree to stop making reports to the credit bureaus but they refused to agree to what I could afford to pay.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-26 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: PHH Mortgage Services Corporation
State: FL

Complaint narrative:
My wife and I bought our home in XX/XX/XXXX with an adjustable rate mortgage loan for {$220000.00} through XXXX. This loan was eventually sold to PHH Mortgage, and we are having a problem with this company. Due to unexpected hardship and an increase in the payment due to the interest rate adjusting I missed some mortgage payments. We began trying to work with PHH Mortgage to fix this issue and be considered for modification or other programs they had available. We received letters from PHH Mortgage telling us that they wanted to help and work with us. However, when we tried to follow up with them via phone we found the opposite to be true. We were transferred from one department to another. We were never assigned a single point of contact. We were given conflicting information, and led to believe that there was no help available, even though other representatives and letters from PHH led us to believe that there was help and that we qualified. Besides being confusing it was painful because we fell further and further behind on the loan because of the obstructionist tactics of PHH Mortgage. We are now in foreclosure and PHH is preparing to set an auction date of our home. I served my country proudly as a XXXX and paid on this loan for over 10 years. They have collected thousands of dollars in interest and principal payments from me, and now they are refusing to give me the chance to fix this problem and save my home. 

We had no issues paying on this loan for the first 10 years, and even after I retired from my position as an Industrial Designer we were able to afford the payment. We ran into trouble in XX/XX/XXXX when I began having some medical issues that required large co-pays. The issue was exacerbated when PHH Mortgage began servicing this loan and the interest rate adjusted and our payment went up almost {$300.00} a month. We hung on as long as we could, but eventually started missing mortgage payments. Not long after that we attempted to initiate communication with PHH Mortgage to be reviewed for a modification. My wife was and still is working full time, and I was receiving SSI, so we had income, but due to our hardship and adjusting rate our payment was no longer manageable. 

We believed PHH when they sent us letters stating that they intended to help, that there were programs available for people in our situation and eagerly anticipated working together to restructure and modify our loan. However, we were sadly mistaken. I feel the least they could do is give us the opportunity at resolving this matter. Instead we talk to a different person every time we call and we have never made any progress in getting a review for options conducted and face the real possibility of losing our home to foreclosure.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-08 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: First Investors Servicing Corporation, Atlanta, GA Branch
State: TX

Complaint narrative:
XX/XX/2015 according to First Investors Servicing Corporation I had satisfied the principle lender and paid all the concurrent interest payment that was originally applied to my loan. As statement by one of their representative I was paying off the balance. Through fault of my own because of illness being hospitalized subsequently I have on the principle payment of my loan. the problem is that First Investors is now charging me {$4.00} a day interest payment on the principle balance and I feel that is unfair business practices now I owe {$7000.00} instead of the {$5600.00} I owed XX/XX/2015.

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 2017-03-08 00:00:00
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: Rosebud Economic Development Corporation
State: TX

Complaint narrative:
I took out a {$400.00} payday loan. After several weeks I noticed the company was still deducting the same dollar amount from my checking account. I 've paid more than {$700.00}. I checked the loan document and learned I 'm being charged 766.56 % interest. This is exorbitant!

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 monetary relief
Consumer complaint received 2015-07-22 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PHH Mortgage Services Corporation
State: ME

Complaint narrative:
The mortgage company continues to make it difficult for me to get assistance online and I still can not get into my account online. When I attempt to ask for a new password, I get a message that I need to call ; I 'm then connected with their aggressive collection oriented " customer service ''. These people are combative and abusive in tone and have not been helpful and can not help with a password reset. The company sent me letters asking me to log on for loan assistance and when I tried, I was looped back into the scenario ; get your password, password link does n't work, call " customer service '', get collections people who do not help and tell you to call for help resetting password. These " customer service '' people are not even kept up to date with letters that were sent to me from the company which I tried to seek clarification on. They had no records or copies of letters and had nothing to offer by way of assistance but continued with collection techniques.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-02 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: PHH Mortgage Services Corporation
State: FL

Complaint narrative:
VIOLATION OF FCRA. The mortgage company PHH mortgage is incorrectly reporting our last payment date for an account that is in foreclosure. We last paid our mortgage in XXXX XXXX and have been in foreclosure since XXXX XXXX. Recently we disputed the last payment date of XXXX XXXX and the creditor reported to XXXX that this date was correct when it IS NOT CORRECT AT ALL. It has been in litigation since XXXX and we HAVE NOT PAID NOR HAVE WE PROMISED TO PAY.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-19 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Paypal Holdings, Inc
State: CT

Complaint narrative:
Paypal Credit will not cooperate in regard to payment arrangements/settlement.. 
The payment plans offered prior did not include a settlement as I have stated before, me not accepting them is irrelevant at this point as their reps have lied saying they were not available when calling in or that there is or was a cease and desist on the account when there never was. Collection reps like to lie so they can go home and not take the call if it is before closing time of XXXX. Another rep breathed into the phone, then abruptly hung up right before close time, XXXX. Most if not all points made by Paypal rep are irrelevant/moot as you can see, this also pertains to my current mailing address which they do not need as they will not cooperate in accepting my final offer. There is absolutely no point in providing them my current address as they will not and have not cooperated up to this point. Lastly, the call they made to me attempting to discuss payment arrangements is also a moot point as again, they will not accept settlement with a payment of XXXX a month. If they wont accept it now then more than likely, they would not have accepted at time of call so the mere mention of the call is pointless. They have denied my fraud claim but offer a settlement of XXXX but wont accept XXXX a month, I think this shows their unwillingness to cooperate. It appears they have referred account to some collection agency yet again, I do not have the name of as of yet. Whichever one it is, they will be notified of the fraud on the account as well as my numerous attempts at resolution with no cooperation on end of Paypal. A prior collection agency referred the account back to Paypal, I imagine this XXXX will do the same with all information considered, once provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: PHH Mortgage Services Corporation
State: PA

Complaint narrative:
We have been contacting phh mortgage for a assistance plan since XXXX or XXXX Everytime we send them what they ask for the assistance is denied. We 've received a letter with a supervisor name I called multiple times and I 've left maNY messages and no return call. Last week I called the number and now the msg says XXXX is no longer employed with phh. So I took down another extension for XXXX I believe. It 's going on 6 days and no call. We 're frustrated that they refuse to complete the assistance or give us a loan modification. Can someone pls help up? We want to keep our home. Just need a lower payment til XXXX gets XXXX. We 've given all the info to phh. We 've also had several loan managers and they dont return calls like the supervisors and reps. 

XXXX XXXX & XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-17 00:00:00
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: Paypal Holdings, Inc
State: MD

Complaint narrative:
Pay pal is issuing credit cards with a revolving line of credit without the consumer submitting an application. I made a purchase and it automatically opened up a PayPal credit account. I called customer service to have them close the account and they said that I filled out an application, which I had not. And, they said that they would close the account but that I would have to submit in writing a request to have the inquiry removed from my credit report. This conversation took place less than an hour from the time I received the email saying " welcome to PayPal credit ''. Almost all of the links on this welcome email direct you to a splashy video on how you can get what you want when you want it. It is very difficult to find where the late payment fees and the annual percentage rate fees are.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-07 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Financial Credit Service, Inc.
State: NY

Complaint narrative:
Ara financial at XXXX is using tactics to try and trick you into opening up a debt after SOL has passed and all the above

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-18 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Trident Asset Management, L.L.C.
State: MD

Complaint narrative:
On XXXX/XXXX/2015 Trident Asset Management reported a {$37.00} debt on my credit report without ever making contact with me. I have no knowledge of this debt and it has no be validated as accurate but it was reported to the credit bureaus. This illegal entry has now cause damage to my credit score. Again, I have received no communication from this company. The only information I am able to provide about this alleged debt is listed below : Account Number : XXXXDate Reported : XXXX : $ XXXX have no knowledge of this alleged debt and this does not belong to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-03 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Army and Air Force Exchange Service
State: OK

Complaint narrative:
This is for an AAFES credit card for a debt from 2008 in which they did a wage garnishment from my husbands XXXX XXXX pay for over {$10000.00}. Now they are saying we still owe {$25000.00} for interest that accrued during the time that the garnishment was being paid. I sent them a letter along with a copy of my husbands orders and a Powers of Attorney in XXXX stating that my husband is currently XXXX and falls under the XXXX as AAFES has now turned the debt over to a 3rd party debt collector called XXXX XXXX XXXX . I just a got a letter today called a Notice of Intent to Initiative Administrative Wage Garnishment Proceedings ... .threatening to garnish my husbands wages again! When will this end and how can they garnish a soldiers wages when he is 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 2015-10-16 00:00:00
Product: Mortgage — FHA mortgage
Issue: Settlement process and costs — 
Company: E Mortgage
State: CA

Complaint narrative:
We applied for a loan with emortgage. 
They sent GFE1 on XXXX XXXX. 
When I received the faith in lending terms interest rate was above my " locked '' in rate. 
On XXXX XXXX, appraisal came in low and emortgage said they would have to modify costs. 
On XXXX XXXX, they sent GFE2. 
On XXXX XXXX, they sent us an initialed copy of the HUD1, in which the amounts matched the amounts in GFE2. 
When signing final loan documents HUD numbers were significantly raise in the section marked numbers that can not change by over {$7000.00}. 
In addition, we never given the Special Information Booklet, and they mistakenly left my wife off the loan documents. 
Lender was very unprofessional in discussions and directly instructed my agent not to contact them further.

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