vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-07-05 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc.
State: FL

Complaint narrative:
On XX/XX/2018, I contacted the creditor and informed them that the debt did not belong to me as I was not the recipient of services, nor my child, and both my child and I were medicaid recipients during the alleged date of service. Furthermore, the address that they had on file has never been my addressed and it is where they sent all previous notifications to. 

On XX/XX/18, I sent a letter to the Creditor requesting for verification and validation that the debt belonged to me, including any documentation that they have the proves that I am contractually responsible for the debt and a document bearing my name and signature. I also requested documentation evidencing that the debt was acquired by them and/or assigned to them. Additionally, since it was a medical related debt, it is customary for identification to be obtained at the time of service as well as consents to treatment. I requested them to provide such information as proof of the debt belonging to me or my child. 

On or around XX/XX/2018, the Creditor sent me a copy of a bill, with nothing more to evidence that the debt legally and contractually belonged to me, nor evidence of the assignment of debt. 

The amount of the debt is {$960.00} and the name of the person who received services is not me. 

I also reported this item to the XXXX credit bureau and they reported it as verified as accurate, however a bill is not proof of verification of a debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: NJ

Complaint narrative:
Hi, I consolidated my school loans with XXXX XXXX under the belief that my payments would count for eventual loan forgiveness after 120 consecutive payments. I am a full time local government employee and my employment was certified, but after 5-6 yrs. of payments, I have been told that none of those payments would go toward the forgiveness program. I was misled by XXXX XXXX. I recently consolidated with the right program after I sent the certification forms and found out. 

Something should be done. It's not right that I was misled. I went back to school at night and on weekends. I did so as a single custodial parent. This type of program would be very helpful to my financial situation. 

Please advise how this can be remedied. I made on time consistent payments through auto-deduction and it's not right that nothing can be done. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-05 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: TX

Complaint narrative:
In the month of XX/XX/XXXX, I applied for a payday loan with Ace Cash Express. On XX/XX/XXXX, I received an email stating I was denied for the loan due to " poor loan performance with us ''. I have never obtained a payday loan before, and I have never applied for a loan with Ace Cash Express. I immediately began to think my identity has been used to obtain a loan. I reached out to customer service, and was advised they would not be able to look into why that reason was emailed to me. I explained I need to speak with someone, and customer service directed me towards a corporate email. I emailed the corporate email and never got a response. Till this day, I have yet to hear from Ace Cash Express on my identity fraud issue, if their is any in place.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bayview Solutions LLC
State: CT

Complaint narrative:
XX/XX/18 - Received voicemail from blocked number threatening a process server. No information regarding debt or company involved XX/XX/18 - Company contacted my place of business and told the office manager that they were a lawyer attempting to serve me. Left the name XXXX XXXX and phone number of XXXX XX/XX/XXXX - Received letter from BV Solution claiming that XXXX XXXX had forwarded account for collection on XX/XX/XXXX and provided a settlement option and an extremely suspicious web address for payment XXXX XXXX  XXXX. 
Called the number on the letter - XXXX and was advised that the account was no longer in their office and had been referred to another agency called " XXXX '' and to call them at XXXX. Called number and it went to a full voicemail box. 

The debt referenced on the letter was paid in full to the issuing bank on XX/XX/18.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SUMMIT FUNDING, INC.
State: MI

Complaint narrative:
I received a NOTICE OF SERVICING TRANSFER from XXXX XXXX XXXX dated XX/XX/2018. It listed the current servicer as Summit Funding c/o XXXX XXXX XXXX ( NMLS XXXX ) and  the new servicer as Summit Funding. After calling the company, they said the note was transferring to a completely different company than the company listed in the notice. This presents a clear violation of 12 CFR 1024.33 ( b ) ( 4 ). Further, rather than omitting information, the notice contained misleading misinformation. After some phone calls, I was given information that my new servicer was XXXX XXXX XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-05 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: PNC Bank N.A.
State: FL

Complaint narrative:
On XX/XX/XXXX and XX/XX/XXXX, I transferred a total of {$2000.00} through XXXX that is backed by my bank, PNC bank. 

It turned out that it was a scam and when I went to PNC Bank to report the fraudulent transaction, they told me that there was virtually nothing the bank can do and for that matter, XXXX as well because it was a peer to peer transaction. 

However, I believe this to be an unfair practice because the website for each entitty, does a poor job in disclosing what type of fraud transactions it will protect and not protect. The one thing each entity does well is make a consumer feel that their transactions are very secure since they are backed by the bank ( s ). 

At some point, the banks need to be held accountable for this unfair and deceptive way of advertsing in this virtual world of financial transactions. 

XXXX should be investigated and be held accountable as well cause they have a weak security system, making it very easy for scammers to steal money from victims.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Ameritech Financial
State: MO

Complaint narrative:
I was a customer of Ameritech Financial. In Connection with XXXX ( Student Loans ) FTC has sued Ameritech for deceptive practices. The XXXX XXXX XXXX   XXXX did not apply my payments towards my student loans. I was charged a total of {$1300.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Experian Report # XXXX XX/XX/18 XXXX XXXX page 7 of 18 should not be showing on my credit report and there is a letter from XXXX XXXX attached is the letter from XXXX XXXX I have not had a copy sent from XX/XX/18 as to updated creditor been deleted/removed from my credit file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
My credit card application was denied because of the bancruptcy. I filed bancruptcy because of the loss of my husnband and financial struggles while raising twin daughters. That was 7 years ago, I have reastablished a good credit and havent missed a payment in 7 years. I am going to payoff my 30 year mortgage in 10 years, I have a good income. I called Chase credit card and ask them to reconsider and tried to explain circumstances I was in and was still denied after that. I will never bank with them ever again, I have had a worst experience and felt humiliated

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I contacted Equifax on XX/XX/XXXX to inquire on why they hadnt updated my credit scores since XX/XX/XXXX for 2 of my credit cards and XX/XX/XXXX on the other 2 of my credit cards only to be told that their system was down. I contacted them again on XX/XX/XXXX and informed them of the above issue, only to be told that the 3 credit card companies for my 4 credit cards had not updated the balances. ( I advised the agent that this is not an issue with the XXXX XXXX company and that I believed the issue was with Equifax. The agent that entered the dispute was XXXX id number XXXX the dispute confirmation number XXXX. She advised that it could take up to 30 days. She asked for all 4 of my credit card balances which I provided. Then I get a credit alert on that shows that the update had been made on XX/XX/XXXX but ALL of the balances are the exact same from what was reported back in XX/XX/XXXX and XX/XX/XXXX. I am in the process of purchasing a home and the Equifax credit score is the lowest because they haven't reported in 5 months please provide some assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
The car was in the hand of my ex husband possession and he was the responsible to make payments and kept the car after we separated, I didnt know he was late until the bank started calling me and trying to collect the money from me, I explain the bank I didnt have the car and I knew my name was in the loan but it wasnt fair for me to pay something that I dont have and I wasnt driving. So the bank repo the car from my ex house, so I paid all the repo fees and the late payments he didnt paid. I will take over this account and Ill be the responsible to the loan from now on because I have the car under my possession. If do you need probe all the fees I paid Im willing to forward that to you.

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 2018-07-05 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Penn Credit Corporation
State: VA

Complaint narrative:
In XXXX I attended two courses at XXXX XXXX University. XXXX XXXX XXXX was supposed to take care of the payment for the two courses which totalled {$1500.00}. They did not due to a time difference for the approval. The payment fell to me. I was unware of the debit. In XX/XX/XXXX my credit was run and a debit in the total of {$1500.00}. Penn Credit held the debit and did not inform me of the debit. I reached out to them to figure out the situation. Again, they never once reached out to inform me of the debit. I then tried to ask them to remove the debit from my credit score due to there innability to follow the FCRA guidelines to inform me of the debit. They refused and quoted only medical debits can be removed. I have paid the debit in full and am trying to now remove it from my credit history because of two different institutions ability to inform me of the debit before it had gotten to a collections point.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
Equifax is willing reporting fraudulent information on my credit report. They have responded that they are working on the issue but that is not true. They have put me through the same dispute process I have already completed. They only ask the creditor to verify the accounts which are fraudulent to which the creditors have removed them from my XXXX  and Equifax report because they were fraudulent. I presented this information to the FTC and not Equifax is marked as being non-cooperative and has been flagged for further investigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Ameritech Financial
State: MI

Complaint narrative:
I was contacted by Ameritech Financial about my student loan debt. I was told by a member that they would be able to help me save {$41000.00} dollars. I worked with XXXX XXXX and XXXX XXXX. These individuals above led me to believe that this company would help keep my payments at a fixed income and that after 10 years my debt would be wiped clean. I was provided these figures : I was currently pay {$230.00} a month on my student loans. {$260.00} XXXXX = {$3.00}, XXXX x  XXXX = {$78.00}, XXXX  in student loan debt. 
They helped me enroll in a program for a family size of 4. For seven months I paid them {$230.00} starting on XX/XX/XXXX on months 8 and beyond I paid {$120.00} a month. {$27.00} was to go towards XXXX and {$99.00} was to go to AMERITECH FINANCIAL to disburse to my student loans on my behalf. The XXXX was to receive {$26.00} I was instructed that the {$120.00} for a year= {$1500.00} x XXXX = XXXX, XXXX. Thus saving me {$41000.00}. I was made aware that the FTC was filing a suit against XXXX XXXX on XX/XX/XXXX. I have contacted them to cancel my business with them and gain control or my student loans and I have not heard from them. I want to know where my money that I paid them went to.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-05 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: RMS-Recovery Management Services, Inc.
State: OH

Complaint narrative:
I get a call from XXXX all the time. If I answer, theres nobody there. If I dont answer, they dont leave a message. I did find out its from some company called RMS. Some debt collector  I guess. Ive been in chapter XXXX for a couple years now. Id love to get them in hot water! Theyre not allowed to try and collect any debt from me!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Experian Report # XXXX XX/XX/18 Experian has not updated m several accounts as paid listed as paid on time or nothing since XX/XX/2018 XXXX XXXX account ending in last 4-XXXX XXXX XXXX XXXX XXXX account last 4- XXXX/ XXXX XXXX XXXX account last 4-XXXX  XXXX XXXX   account -XXXX XXXX XXXX XXXX XXXX last 4- XXXX   XXXX XXXX XXXX last 4- XXXX I call all of these accounts and was told that they report for the month so that means Experian is not updating credit reports as they state there doing month to month.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Real Time Group, Inc.
State: TX

Complaint narrative:
The second mortgage on my foreclosed home was transferred from XXXX to Realtime Resolutions in XX/XX/XXXX. The last payment on this mortgage was made XX/XX/XXXX and was charged off by XXXX. However, Realtime Resolutions is showing a new 90 days late payment in XX/XX/XXXX on my XXXX credit report. I should not show a new late payment just because the balance was transferred to a new servicer. I have disputed this error directly with Realtime and XXXX  and have received no resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
I have submitted information to equifax regarding a collection that I do not owe. I received a letter stating that the disputed account was not reporting. When I pulled my credit report, it was still listed. When I called Equifax, I spoke with a supervisor XXXX  ( XXXX ) who was no help. He just continued to state that the inquiry was not reporting. I explained to him that it was not an inquiry but a collection account. He said there was nothing that could be done since it was not reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-05 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Earnest Inc.
State: NY

Complaint narrative:
I have applied for personal loan in the amount of {$10000.00} with XXXX XXXX company in order to pay my medical bills not covered by insurance and other expenses ( I need to help my elderly parents, car repair, home improvement ). I provided all requested information. My application was declined. 

Based on the advertisement of their product, my credit history, my financial standing and amount of loan to my income ratio, my application should have been approved : - I am a salaried professional with steady income, working for over 20 years in the industry - I have a good credit history with some of the FICO scores like XXXX, XXXX, XXXX, XXXX with average XXXX at the time of the application ) which is higher than national median and higher than the score Earnest advertised as acceptable - I don't have any credit card debt ( practically XXXX ) I don't carry balances over and typically balance is almost XXXX - I have 18 years old credit history with only one installment loan paid on time, I have a record of paying off the mortgage - I don't have bankruptcy on file, never filed for bankruptcy in the past The amount of loan to income ratio was very low - less than 10 % ( I also have all benefits including medical insurance, vacation, life insurance ) - I have assets : a ). a saving account ( in the amount substantially covering the amount of loan requested ). 
b ). I own a car with no lien on it This proves my ability to save and provides liquid funds for emergency - I have lived at the current address for over 6 years - I have a good driving record - I am young enough to make all installment payments and pay the loan off But my application was declined, therefore I have concluded that I was profiled by the criteria that has nothing to do with financial risk and would like to complain to CFPB about this lending discrimination on behalf of Earnest apparently based on my social status or ethnic/religious group that I belong to and I want CFPB to investigate the fact that these very criteria was used by Earnest to decline my application

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I will never have a home mortgage with this bunch of crooks ever again. They screwed up my loan in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX.

I pay my mortgage every two weeks and when I paid on XX/XX/XXXX for some odd reason Wells Fargo applied all but {$.00} to principal and {$.00} went to interest. The auto draft occurred mid XX/XX/XXXX and for some odd reason it turned off and didnt draft on XX/XX/XXXX as it should have. I received a call from collections on XX/XX/XXXX wanting to know why I havent paid my mortgage.

It took these financial geniuses from the end of XX/XX/XXXX until the end of XX/XX/XXXX to realize they made a mistake. I was also charged late fees. I once again call XXXX XXXX. In the presidents officelast Thursday and all I hear is that an investigation will be opened. And It will be resolved in 24-48 hours. Guess what? Tuesday XX/XX/XXXX comes around no response.

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 2018-07-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collection Bureau of the Hudson Valley, Inc.
State: NY

Complaint narrative:
I've called cable vision around XX/XX/XXXX or XX/XX/XXXX during the week, to fix my slow internet issue. I settled an appointment for a saturday, which I thought was kind of odd to wait even longer to have the problem solved, since I've been paying the right amount of money for the none provided internet speed. 

I remember speaking to my husband about the cable mechanic guy who never arrived that saturday to my home. 

I called once again on XX/XX/XXXX to dispute the charged of {$80.00} dollars to my account, for a service they didn't provide to fixed that problem. 
I tried to reason with many members of cable vision to waive the fee, but they only said : " we have three phone numbers associated with the account, and called leaving a voice mail, the cable guy knock at the door and noone was home. '' Well, firstable I only have one cell phone number associated with optimun, which have no voice mail from optimum, also checked my online cell phone bill, to make sure of the existence of this voice mail. 
ooops ... nothing there ither.!!! 
second thing is I'm the one who's badly needed the problem to be solved in the first place, why wouldn't I opened the door.? 
And most importantly why they are charging me for.? 

And just like that they've lost a customer for a dishonest service operation.

Company response to consumer: Closed with non-monetary relief