vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-05-12 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker — 
Company: PHH Mortgage Services Corporation
State: NJ

Complaint narrative:
I sought out a new ARM loan to replace and re-finance XXXX existing home equity lines of credit ( HELOCs ) that I have at XXXX Home Loans ( part of Bank of America ). After extensive document submission and responses to other subsequent requests resulting in pre-approval, the Mortgage Officer attempted to mis-sell me a new, never discussed fixed rate loan or a fully amortized ARM meaning principal and interest rather than the Interest only ARM I applied for. Furthermore, the interest rate for the previously never discussed loan facility was to be materially higher ( despite having an interest rate lock in place at a much lower rate ) than my current HELOCs, which are to begin their principal repayment periods in 2016. This clear attempt at mis-selling is obviously intended to have me wind up with a product that is n't right for me and more expensive than my current credit facility and whose sole purpose was to generate fees and additional income to the lender with no improvement in my circumstances. What I applied for and was pre-approved for was : Loan Purpose : Refinance No Cashout Loan Amount : {>= $1,000,000} Occupancy type : Primary The contact personnel at XXXX are : XXXX Mortgage Services | Loan Processor XXXX XXXX XXXX | Direct : XXXX and XXXX XXXX Mortgage Services | Centralized Sales | Consultant NMLS # XXXX XXXX ext. XXXX | Fax : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-04 00:00:00
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: CASHCALL, INC.
State: TN

Complaint narrative:
Refer to case XXXX. The XXXX XXXX - CashCall shell game will not go away. After paying more than {$35000.00} on a {$10000.00} loan, CashCall and their thugs continue to try to drain money from me. The most current version is some alleged XXXX XXXX with and outfit claiming to be XXXX XXXX XXXX - phone XXXX. XXXX continue to get harassing calls from all sorts of debt collectors, event though I paid this off to XXXX in XX/XX/2016. I 'm pretty certain this has played out the way XXXX XXXX XXXX XXXX planed out, with hiding behind an Native American laws to charge interest at a rate well beyond any state or federal government rules, and using the full force of the federal and state governments to attempt to collect. After state and federal governments finally catch up and inact laws to stop his practices, whatever loans that have been handed out ca n't be touched. Then, when victims can pay no more, he sells off the loan information to multipe 'debt collectors ' who claim to have 'ownership ' of the loans. The alleged XXXX XXXX of XXXX XXXX ( XXXX ) threatened me with lawsuits and threatened to harass my family members - specifically my wife. I have had enough!!!!!!!

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-31 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Western Portfolio Assets
State: RI

Complaint narrative:
My mother received a call from Western Portfolio Asset which she forward to me. When I spoke to them, they demanded payment from me for a debt that I owed on a credit card many years ago. They told me I would be sued and that a law enforcement personnel would be sent to my home to issue a judgement against me. I was scared so I gave them my info and signed a document including my debt info to make the first payment. It was not until later did I realize I was scammed. The person I spoke to would not allow me to settle my debt or offer other payment methods. I was not able to speak to anyone else regarding my debt except this XXXX individual and after multiple requests did he send me a receipt for the first payment I made and the paperwork with info from the law office that supposedly bought the debt. My credit history did not match up with the debt they were seeking. I looked up more info about the company found out about their illegal debt collecting practices and scams against consumers.

Company response to consumer: Closed
Consumer complaint received 2015-06-25 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Keynote Consulting, Inc.
State: IL

Complaint narrative:
The debt was satisfied but, the collector has failed to update in XXXX report and further failed to provide his name. When contacted about this issue on XXXX/XXXX/2015 at XXXX, the collector failed to acknowledge it and stated " its not his job to update it ''. Further, I stated that I will get in contact with " CFPB '' about this issue and he said do whatever you need to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-18 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: ASSOCIATED BANC-CORP
State: WI

Complaint narrative:
I received a charge to my checking account in the amount of {$340.00} on XXXX/XXXX/15. The charge is from XXXX and is under the name XXXX XXXX. I noticed the charge on XXXX/XXXX/15 and immediately called to file a dispute. I received the paperwork to sign and returned it on XXXX/XXXX/15. The paperwork I signed was an affidavit that it was not my charge. I immediately placed the signed affidavit back in the mail in the postage paid envelope provided. I called on XXXX/XXXX/15 to find out when I would receive my provisional credit and I was told after 10 business days of the complaint. When talking with the customer service representative, we both agreed the credit would be posted to my account on XXXX/XXXX/15. She told me it would be later in the day. So, on XXXX/XXXX/15 at XXXX. I contacted Associated Bank to find out why I had not received the provisional credit. At that time I was told my signed paperwork was not received. I was also told the dispute area was closed so they would have to call me on Monday. And that I would not get provisional credit until 10 days AFTER the signed paperwork was received. They said they would re-mail me the documents for me to sign and it would be an additional 10 days AFTER they receive those documents that I would receive provisional credit! 
It looks like the charge to my account is an ACH transaction that obviously was taken from the wrong account. Maybe {$350.00} is not a lot of money to them, but I need the {$350.00} that was incorrectly taken from my account to pay bills. The bank refuses to give me credit to the money that is mine.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-03-01 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PHH Mortgage Services Corporation
State: AZ

Complaint narrative:
During VA refinancing from PHH ( loan # XXXX ) to PHH ( loan # XXXX ) the closing date was moved by PHH. A XXXX payment was not required as closing was supposed to be XX/XX/2016. Closing did not actually occur until XX/XX/2016 because of repeated delays by PHH. Then, because of the 3 day right of recision and a weekend, the loan did not fund until XX/XX/2016 PHH reported the XXXX payment 30 days late on the same day they funded the new loan. I did not miss any required payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-12 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: EXPERT GLOBAL SOLUTIONS, INC.
State: MD

Complaint narrative:
There are XXXX unauthorized inquires XXXX XXXX/XXXX/XXXX and XXXX XXXX/XXXX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-13 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: PHH Mortgage Services Corporation
State: TX

Complaint narrative:
Two months late on a payment and was notified by mortgage company that we were eligible for refinance, re-modification and/or forbearance. After submitting the documentation was submitted within 2 weeks, we have received on numerous occasions that our packet was incomplete. After complying to their request, upon being told, it was lost or misplaced, and submitting it again, a final response to re-modification was provided. Please note, however, that this took 4 months of resubmitting it, and only to discover there was XXXX block on the XXXX form that was not checked. The representative we were working with from the mortgage company, realized the mistake, called us to fix it and return it. Again, I did that within the hour. This was taking place while I was communicating with XXXX regarding this situation. Being a member with XXXX, they have an advocate to help assist with with any problems that may arise. We did so. Apparently, it was n't until XXXX made phone calls that this representative finally processed the paperwork. The answer we received was that i was n't approved. The answer was that our mortgage was past due more than 60 days. I had made XXXX payments, XXXX and XXXX, only to have it returned to me. Apparently, I did n't make the right payment amount. Due to their negligence in processing the documentation in a timely manner and 'acting in good faith ', which caused a delay in processing the documentation, the home is now in a foreclosure status with a law firm. I do n't understand how, when I made payments only to have it returned, notification of refinance/re-modification approval, submitting documentation numerous times, and now not approved, we get stuck with paying the large amount of payment and lawyer fees, all to be paid within 5 days. 

PHH mortgage has been improperly handling, misleading, and in an untimely handled our case. 

XXXX, is NOT a PRO military corporation. I know that, because my husband is currently in the XXXX and has been with XXXX for 28 years. Financing our home with XXXX only to find out that they had sold it to PHH. 

XXXX has communicated to us, that at this point, they can no longer assist us.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-20 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Pioneer Credit Company, Inc
State: MS

Complaint narrative:
I have alot of accounts of my credit files that are 7 years of better on my file

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-17 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PHH Mortgage Services Corporation
State: WA

Complaint narrative:
My mortgage was sold by XXXX to PHH. XX/XX/XXXX was the first month with PHH. I paid my usual payment. ( XXXX ). I received a letter stating that I have a " suspense '' balance in the amount of XXXX but the total amount due is XXXX. 
The additional amount of XXXX must be received before the end of the month to avoid reporting to the credit bureau. I have never had the payment increased when the loan was sold to another company and no explanation was given. It 's impossible to call and get answers.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-06 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PHH Mortgage Services Corporation
State: CA

Complaint narrative:
I prepaid on my mortgage account ( my payment was sent on XXXX XXXX, 2016 ) to be used toward my XXXX XXXX, 2016 payment. PHH mortgage used that money toward my principal, and then proceeded to send me a late statement stating that I had n't paid my mortgage for XXXX XXXX, 2016. When I complained they " refused '' my claim, and my principal has been docked, along with my credit being affected. When I contacted PHH Mortgage, they stated that they could n't fix the principal amount because they sold my loan. I want PHH Mortgage to be held responsible for the amount that my principal was " docked '' because I had a " late payment. '' I spoke with XXXX XXXX at PHH, who told me that he could n't help me, nor could he forward my complaint to anyone.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-01 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PHH Mortgage Services Corporation
State: CO

Complaint narrative:
My name is XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX. I have a mortgage with PHH Mortgage, XXXX XXXX, XXXX XXXX. My complaint is that when I send my mortgage payment that includes prepayment of principal, the prepayment is first credited to the Escrow account, and not as a prepayment of principal. Additionally, PHH Mortgage is servicing my account from a foreign location XXXX. I do not want my non public information being shared with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-24 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: AL

Complaint narrative:
I received communication that I owed a debt to an old apartment complex I stayed in for only a month. I left the place because of their lack of security, roach infestation and loud obnoxious neighbors. I went to court because they said I had not paid my rent. I had money orders etc to show it was paid yet they still sought legal action against me. I responded to the judge and explained the situation thoroughly. The judge then waited the allotted time for the lawyers to respond and they never did. The case was then dropped due to lack of prosecution. I found out later when applying for a job that the apartment complex sold the assumed debt to a third party debt collection agency. I sent over the court documents showing the case never had a judgment placed on me yet they still try and pursue payment. I submitted documents to the credit bureaus and all debt was removed from my credit reports. This month I tried applying for a loan and was denied because a eviction showed up on my credit report. I need this stressful situation resolved because they are causing me undo stress as well as embarrassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-07 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: CREDIT ACCEPTANCE CORPORATION
State: FL

Complaint narrative:
I have a loan with a company that has been continuous going up on my payments without my knowledge. Repossessed the car and still charging me as if I had the car will not answer any phone calls that have been made to attempt to clear up this matter.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-19 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Allied Collection Services, Inc. (Nevada)
State: TX

Complaint narrative:
This company has reported a a amount owed for a XXXX account which I have paid when I returned my phone

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-29 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: PA

Complaint narrative:
. Professional Debt Mediation , Inc . 
XXXX XXXX XXXX XXXX, XXXX XXXX XXXX advised me XX/XX/XXXX that I owed XXXX to XXXX XXXX XXXX XXXX XXXX XXXX where i lived up until XX/XX/XXXX, at which time i returned to XXXX to live as my dad was in ill health and passed away XX/XX/XXXX. I disputed the XXXX debt in writing in XX/XX/XXXX stating to PDMI that I did not owe this debt, and to prove it. Professional Debt Mediation never tried to collect on this debt, and now it being XX/XX/XXXX the XXXX statute of Limitations has expired on collecting this debt.PDMI each month put this debt on my credit reports until I disputed this with the credit bureaus XX/XX/XXXX, and the debt was removed from my credit report. I disputed this debt with XXXX in XX/XX/XXXX, XXXX removed the debt from my credit report, then for almost a year, Professional Debt never posted this debt to my credit report. until now, XX/XX/XXXX once again, Professional Debt Mediation posts this XXXX to my XXXX credit report, as to re-open this debt, which I consider " trolling '' the debt, I never paid anything on this debt, as I do not owe this XXXX and again, XXXX Statue of Limitations on debt is ( 4 ) years. ( 42XXXX. C.S.5525 ( a ) This debt is non collectible and PDMI is not abiding by XXXX statue or the Fair Credit Reporting Act. PDMI needs to stop reporting this debt, move on in life, or face being sued for trolling this debt, and trying to collect after the XXXX statue of 4 years has run its course, I moved to XXXX XX/XX/XXXX, and now it is XX/XX/XXXX, way past the time frame for this debt to be acted or collected upon.I moved out of XXXX XXXX XXXX XX/XX/XXXX and lost my security/pet deposits and have been a resident of XXXX since XX/XX/XXXX.PDMI is a vulture credit collection agency, and they are to harassing me over a debt that is non collectible with the reporting and phone calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-13 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Using a debit or ATM card — 
Company: Paypal Holdings, Inc
State: IL

Complaint narrative:
I have a prepaid Visa card. I attempted to use the card through PayPal and then through eBay to pay for an item under {$500.00} I agreed to purchase on eBay with PayPal. I was not able to do so. 
As a result, I called PayPal. The PayPal customer representative told me that the bank declined the transaction. ( It turns out this was a lie. ) I called the bank that issued the prepaid Visa card. The bank representative informed me that PayPal 's policy was to reject all prepaid Debit cards. 
I called PayPal back to confirm this. The PayPal representative I spoke with said that PayPal 's policy was to reject all prepaid Debit cards as PayPal was unable to verify identity. I asked to speak with their manager. I was placed on hold for 10+ minutes then routed to someone who not a manager, but who I suspect was a grievance specialist. This gentlemen said he could do nothing for me, nor identify me, and I would need to call PayPal back. He did suggest to me that I could use PayPal 's own prepaid Debit Card and I would not have this problem. I asked him to route me back to the original group. He said he could not do this either nor could I speak with his manager.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-13 00:00:00
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
My complaint is with the PayPal Credit offering ( formerly known as Bill Me Later ). Earlier this summer, I apparently accidentally signed up for this " line of credit '' after trying to pay with my usual credit card on my PayPal account. When I was paying, they asked for my birthday and last four digits of my social ( which I just assumed were generic security questions websites use to verify identity ) -- but apparently they were asking because I did n't realize the option for " PayPal Credit '' was n't just my credit card. They then took all my other info they had saved to make a hard credit request which dinged my credit score - apparently this is what happened anyway. This is what PayPal explained to me afterwards. I only knew I opened the account after being contacted XXXX. When I called PayPal and said I did n't authorize opening this account, PayPal first told me to file XXXX with PayPal, then PayPal told me to send a written request which they forwarded to XXXX and it was rejected. 

By the time I spoke with someone from PayPal again, they ( finally ) basically explained that they have an option on their website when paying to use " PayPal Credit '' instead of " PayPal '' which I apparently selected on my account. I said this is evidently not clear. I actually asked how this was permissible -- I never signed anything saying they were allowed to do this check or given other info to them. They said they had my electronic signature " stored '' elsewhere as part of my account and that they used that to authorize the line of credit. So by just filling in my date of birth and last XXXX digits of my social security during checkout ( which I assumed was a security check ), they took all my other info and used it to authorize the account. I closed the account, but my biggest issue is that this actually went against my credit report as a credit inquiry which will stay on there for two years. Personally, I consider this intentionally ambiguous website design to trick customers into signing up for the line of credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-31 00:00:00
Product: Payday loan — 
Issue: Received a loan I didn't apply for — 
Company: Paypal Holdings, Inc
State: NV

Complaint narrative:
PayPal signed me up for PayPal Credit. When I complained, Phone rep claimed I " opted in '' via their website. This is probably factually accurate but I sure do n't remember asking for or approving a line of credit when I opened my PayPal account. Account was closed without dispute, but the practice is questionable at best. Their disclosures simply are n't adequate.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-26 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
This involves PayPal Credit ( aka " bill me later '' ). A refund of {$120.00} was never credited to my account properly ( ebay refunded on XXXX/XXXX/16 to paypal credit account ), and an additional {$54.00} has been improperly credited to the {$120.00}, it needs to be refunded back into the PayPal credit account. Several emails and phone calls have gone unanswered.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-07 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Paypal Holdings, Inc
State: NH

Complaint narrative:
I received a collections letter from XXXX XXXX XXXX for a {$2000.00} debt to PayPal. I do not have a PayPal account and this letter appears to be a scam. The company has offered to settle my non existent debt for {$700.00}. This company address is listed in XXXX but the collections letter was mailed from XXXX XXXX

Company response to consumer: Closed with non-monetary relief