vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-03-25 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: CA

Complaint narrative:
I wanted to refinance my loan with XXXX and also to modify my loan with them. As soon as they saw that we wanted to do that they sold the loan to bay view loan services. As soon as the loan was sold we found ourselves with people that came to do appraisals of the house without calling or making appointments. Then we had to pay XXXX appx in late fees that the company could not provide proof of. Then they opened an escrow account in our name without asking permission even though all our taxes and insurances are paid through XX/XX/XXXX and late XX/XX/XXXX. I attempted to call them XXXX times .i left messages only got voice mails. Then when I finally got a hold of a person when I told him that if the issue of the escrow account does not get closed I will inform CFBP he put me on hold and never answered the phone anymore. After on hold for over XXXX. Minutes I had to hang up the phone. 
Last year we subdivided the property. XXXX mortgage signed off on the subdivision. Now I have a mortgage covering XXXX properties which the bank does not recognize that are XXXX properties even if the county has XXXX different apn numbers. This new lender send an appraiser to do an appraisal on the old property ... ... which he did it incorrectly for the bank ... so he provided the bank with false information ... ....

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-22 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Phoenix Financial Services LLC
State: IL

Complaint narrative:
Dear Sirs, I received a letter from a debt collector stating that I owed {$1200.00} for an emergency room visit. I sent a letter requesting further information which included all the elements in the template provided by the CFPB. The response that I received did not provide me with all the answers that I requested and further was ambiguous regarding whether I owed any money and why. My only recollection of this potential debt is that it may be for an XXXX visit at XXXX XXXX medical Center however I was fully insured at the time and further paid the {$250.00} copay that was required of me at the time. I do not understand why more than 2 years later, I am requested to pay a debt that if valid was supposed to be paid by the medical insurance plan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-05 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: PASCO, Inc
State: MI

Complaint narrative:
My credit report shows a debt payable to CELCO for {$140.00}. I have contacted this company and they can not tell me to whom this amount is owed. It is impacting my credit score. 

What can I do?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-08 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: AMCOL Systems, Inc.
State: TX

Complaint narrative:
I am being reported to credit agencies for a medical debt. I contacted AMCOL systems at XXXX and requested verification of debt. what I received was a letter on AMCOL letter head saying I owe {$1800.00} on acct XXXX and {$110.00} on acct XXXX. it also included a bill that says patient balance due is XXXX. yet I am still being reported. If I owe the bill I will pay it. but I do not believe this is correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-27 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: CA

Complaint narrative:
I submitted Loan Workout to Bayview Loan Servicing , LLC and have not gotten a response or " Denial ''. Under HOBR i should at least receive a response or Denial which i am allowed one appeal.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-08 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: First Peachtree Finance, Inc.
State: GA

Complaint narrative:
The XXXX of the company XXXX XXXX Is A XXXX, And The Company Is Very Dirty, Not Only Charged me 3 Times as much as the car is worth, but also would n't work with me to help me keep my car, even Tho XXXX XXXX Lied and said he would, I had {$4700.00} left on a {$13000.00} Loan, not gon na lie I fell on hard times, and let them know that I 'd be missing some payments, but when I got back on track I 'd resume payments, also told XXXX XXXX that if I fell too far behind to call me and if I had n't made a payment I would, but instead of calling me, he just waited til I called and tried to make a payment, but instead of letting me resume payments, he threatened to put a warrant out for my arrest, even tho he knew I already was facing legal troubles, they claim that they try to help you avoid collections or repossessions activity, but that 's a lie, they 're just crooked money hungry bloodsuckers, also would n't even give me time to get important, valuable property out of my car, cause the car was at mechanic shop at time of repo, and actually if you also include all The repair work I had done on the car, even tho my loan was n't paid up I had still paid XXXX times more than the car was worth ... There really should be laws in place that protect consumers that have invested alot of money in something especially if it 's more than half, from XXXX like FIRST PEACHTREE FINANCE INC. And They Did n't Even Offer To Let Me Refinance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-05 00:00:00
Product: Money transfers — International money transfer
Issue: Wrong amount charged or received — 
Company: WESTERN UNION COMPANY, THE
State: AZ

Complaint narrative:
I transferred {$500.00} by Western Union to a relative in XXXX. WU used a conversion rate of {$1.00} USD = {$1.00} XXXX. I thought that might be a little low and when I questioned the XXXX Phone Customer Service representative he indicaated he understood the conversion rates are determined by the prior days rates. When I checked the currency trading charts I found the rate when I actually transferred the money was {$1.00} XXXX. When I reviewed rate history, the last time the exchange rate was in the {$1.00} XXXX range was on XXXX XXXX XXXX when the rate was {$1.00} XXXX, and the highest rate this year was on XX/XX/XXXX and the rate was {$1.00} XXXX. Looks like I lost {$32.00} in the exchange at the lower rate, almost as much as the {$37.00} TRANSFER FEE. Should this have cost {$74.00} total? How are companies allowed to decide what the exchange rates should be?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-03 00:00:00
Product: Bank account or service — Savings account
Issue: Deposits and withdrawals — 
Company: SUNTRUST BANKS, INC.
State: GA

Complaint narrative:
On XXXX/XXXX/XXXX I faxed XXXX affidavits regarding XXXX unauthorized debits to my Suntrust savings account. 
I also called Suntrust on XXXX/XXXX/XXXX regarding XXXX unauthorized checks debited from my savings account and was provided with XXXX case numbers. On XXXX/XXXX/XXXX I received 2 letters informing me of credits to my savings account from XXXX of the unauthorized checks. On XXXX/XXXX/XXXX I took the XXXX affidavits that were mailed to me to a Suntrust branch to have them witnessed, notarized, and interoffice-mailed from the branch. On XXXX/XXXX/XXXX my savings account was credited for the XXXX checks associated with the XXXX affidavits. 
The remaining check amount of over {$2000.00} has not yet been credited back to my account. I never received an affidavit for this claim made by me on XXXX/XXXX/XXXX. I have called Suntrust fraud department 8 times between XXXX/XXXX/XXXX and XXXX/XXXX/XXXX regarding the status of the remaining claim. On 6 of those calls I was told that the claim is still in process, that the case would be escalate, that I would be contacted by phone or email with 72 biz day hours, and on at least one of those calls I was told that an affidavit was not required at that time. I have not been contacted by Suntrust by any method regarding this final claim. On my last call today ( the first call was dropped after being put on hold ) after I advised the associate that I would report this situation to CFPB, the media, and/or upper management, I was advised that an affidavit would be sent regarding the claim.

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 2015-08-03 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: AES/PHEAA
State: FL

Complaint narrative:
Dear CFPB, I am asking you for assistance to intervene on my behalf concerning willful non-compliance within a " reasonable time '' by American Education Services refusing to remove, by law, a proven fraudulent credit profile account off my credit reports. 
This unauthorized account is a red flag that is damaging my credit record ; which is a violation of my rights pursuant to the Fair Credit Reporting Act. In circumstance, I provided my name, address, and social security number, demanding within ( 10 ) ten business days, via certified mail Number : XXXX XXXX XXXX XXXX XXXX, on XXXX for the creditor to provide me a copy of the original application bearing my signature, giving authorization to pull my credit history so that I may forward it to the police authorities for investigation. 
The creditor has willfully not complied with my request. I have never received any benefit directly or indirectly from the fraudulent transaction ( s ). Any signature is a forgery and was made without my knowledge ; perhaps due to consumers having similar names and/ or social security numbers. I look forward to you helping me in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: BARCLAYS BANK DELAWARE
State: KY

Complaint narrative:
I booked a vacation with XXXX through a program called Upromise. I did this because the program offered 5 % back from Upromise and 5 % additional back for using the same branded Upromise Barclays MasterCard. The vacation took place XX/XX/XXXX. All I have received so far is 1 % back. I have asked Barclays Upromise about the issue and they have stated for six months " we are waiting for XXXX to respond. '' I have been patient and waited until this week to file this complaint. 

It appears to me the problem is we changed the reservation by cutting off a day. The XXXX representative over the phone instead cancelled the reservation and hung up once he realized the mistake. Subsequently we spoke with a supervisor on another call who was able to patch things up. This does n't change the fact we used the program and did not drop the ball, the representative did and we still paid with the card and stayed at the same place as we agreed originally. The reward offer did not specify a minimum dollar amount or certain days required to stay. We simply had to use XXXX and pay with the UPromise MasterCard. This is only a guess on my part, as the only thing I have been told is " we are waiting on XXXX to respond. '' I would like to get this resolved since I used these programs to book because of their offer. They have had ample time to sort this out. If I had used another card for the trip, I would long ago have received the reward, as I have several cards that have never once left me out in the cold like this.

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 2016-06-12 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: SUNTRUST BANKS, INC.
State: GA

Complaint narrative:
I have been at SunTrust since 2007 and an employee XXXX with that company. I just received my XXXX to further my career in finance. I have been in banking over 28 years. Unbeknownst to me, my daughter gave her bankcard to someone and they deposited a check to our joint account and was able to withdraw every dime from the check seven hours after the check was deposited in an ATM. The check was for {$2400.00}. I was told the funds were made available due to our relationship with the bank. All accounts that had my name on it were restrained to debits pending investigation including my son 's account. 
I have been given the run around. I call the fraud department ( which is outsourced to XXXX ) and am told to go to my local branch. I go to my local branch and told to contact fraud. I ask if I could speak with an investigator I am told no. They can not call the investigator just contact that person through the case. There is a disconnect here and it is not fair to victims like me and my son. I did a police report and the tape was pulled at XXXX where the criminal purchased a money order for {$1700.00} which showed who purchased the money order and it was not me or my daughter. The fraud department said they have 10 business days to investigate the case. This is unacceptable. I am demanding me and my son 's funds released to us immediately. Also I want my name cleared of any fraud due to this account. I did an affidavit with SunTrust based on what my daughter XXXX XXXX told me happened but she has lied and changed her story several times. I need this resolved as soon as possible as this caused a financial hardship on my son XXXX XXXX and XXXX. The thing that frustrates me when I myself make purchases that are out of character Suntrust would freeze my card. I tried to purchase a pair of shoes at XXXX XXXX for {$80.00} they blocked my card but yet you let a {$2400.00} deposit go into a minors account and let funds withdrawn at XXXX XXXX less than a day the funds were deposited and that does not raise red flags. I want my money back from SunTrust immediately by me going to the branch and close the accounts and get me and my sons funds and fraud to removed under my name as my career is in finance and can hinder me getting a job in finance elsewhere. There should be someone locally in the United States at SunTrust that I could talk to in reference to this account.

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 2015-08-10 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: AES/PHEAA
State: GA

Complaint narrative:
I currently have a private loan serviced by AES which was suppose sold XXXX, I fell behind on my payments the last payment made was XXXX 2015. I recently received a statement from the company asking for payment due by XXXX XXXX, 2015 called to make arrangements and the customer rep told it was sold to XXXX and now is in default. I never received any information about the loan going into default.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-10 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Loan servicing, payments, escrow account — 
Company: AMERICAN ADVISORS GROUP
State: AR

Complaint narrative:
In XXXX 2014 I obtained a reverse mortgage on my home with AAG. I am attaching various items of correspondence detailing the exact nature of my complaint, as my daughter prepared a very comprehensive letter that specifically explains the issues in the proper chronological order. I believe that AAG may have deliberately pressured me into entering into a mortgage with a Repair Rider ( which I expressly objected to several times prior to settlement ), and then provided advice and assistance intended to steer me toward default. The agent I worked with to initiate the loan advised me repeatedly after settlement that commencement of repairs was unnecessary as he had alternative loan products that would be available to me after my new loan had been in place for six months. When the time came to move forward on those assurances, he disappeared with no further contact being possible. I then obtained an extension from AAG and explained that extreme weather conditions were preventing contractors from scheduling my repairs until after XXXX XXXX. An extension was granted until XXXX XXXX ; as I feared, circumstances beyond my control resulted in the need for another extension. I contacted AAG and was told to submit my request in writing, which I immediately did. When I called back to check the status of my request I was told by the supervisor of the Reverse Mortgage Servicing Department that she did not submit it to HUD for a decision. Her response to my questioning of this was that she did n't need to do so because she knew they would deny it. I feel this company quite deliberately acted in a manner intended to lead to my breaking the terms of the settlement contract, resulting in default on the mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-25 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I am having personal difficulties with Citibank that I hope you may rectify. I have been a customer since XXXX XXXX with XXXX credit cards totaling approximately {$45000.00} in available credit. I use my Citibank credit card for all of my daily transactions. I had a breach of my card number in XXXX resulting in XXXX unauthorized transactions totaling {$4600.00}. I did not receive XXXX alert of potential fraud and I found out when I received my statement. I immediately called and had the card deactivated and initiated the claims. The card has always been in my possession. Unfortunately, the level of service that I have received has been extremely poor. I still have {$4000.00} unauthorized fees that have not been credited to my account and it has now been one month that I have been actively seeking a resolution. I have called and emailed from the web portal multiple times to at least receive provisional credit as the case is being worked and I have not received any assistance in resolving the total claim. I have only received a partial claim for transactions that happened after the statement. During multiple calls, I have discussed with various supervisors whose ID numbers I have notated, but each time I am told I will receive credit within XXXX7 days. This has not happened. On XXXX occasion, a supervisor was extremely rude to me and did not offer to assist in any way. He actually told me to stop calling. I have exhausted my attempts to resolve this matter and I am hoping that you may assist me in rectifying this situation. I have stopped using my Citicards for my daily transactions until my issue is resolved and I am in the processing of changing my auto payments conducted with these cards. I would like to mend our relationship and I thank you in advance for your assistance. 

I have called to attempt to resolve my issues with Citicards XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, 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 monetary relief
Consumer complaint received 2015-07-26 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: SUNTRUST BANKS, INC.
State: WV

Complaint narrative:
SunTrust after being a customer for 20 years, with sole income for my XXXX direct deposited every month with no problems, suddenly had a fraudulent overdraft fee. I went to the local branch and they agreed to remove the fee, but 6 days later got an extended overdraft fee. Now I have XXXX more overdraft fees which would not have occurred if they followed through on their agreement. I live check to check and have alsways been careful in balancing my ledger and had sufficient funds from the very first overdraft fee. No one will abide by agreement and keep taking my money. I will not be able to pay XX/XX/XXXX bills thanks to them. I have learned that they have a patern targeting low-income individuals, particularly the elderly/disabled reordering and misrepresentation of account balances.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-06-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: AES/PHEAA
State: RI

Complaint narrative:
I 've been trying to rectify my loans since XXXX, calling, emailing and faxing dozens of pages of information, in order for my Income based repayment plan to reflect my current income. They called me about 4 weeks ago telling me i was still past due ( they had recieved my pay stubs weeks prior and did n't process them, and after talking to them they FINALLY tell me that my loan payments have been straightened out in accordance with my financial information, and told me what my payment would be and that is would be due XXXX XXXX, only to log in on XXXX XXXX to make a payment and find that they are STILL asking me for almost 10 times what they told me my payment was supposed to be based on my financial standing.

Company response to consumer: Closed with explanation