vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-11-07 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: HEARTLAND PAYMENT SYSTEMS INC
State: OR

Complaint narrative:
I have been trying, for months, to gain access to my account with ECSI Federal Perkins Loan Servicer. I never received the initial access document they said I should have, was disconnected on repeatedly while waiting on hold, and have received no written response to my mailed requests for assistance. 

Yesterday, I was finally able to speak with someone on the phone to gain access to my electronic account and make a payment. I was trying to take the actions directed, to make the requested payment in the letter I received yesterday, XX/XX/2019. This letter, dated XX/XX/2019, gave a 30 day window to make the payment, and directed me to do so online. 

When I called back, I was advised that yesterday was a processing day, and that I would be able to make a payment today, XX/XX/2019. I requested verbal confirmation of this, and was told again that I would be able to make the payment today. 

There continues to be no payment option on the website, and when calling in I was advised I can not make a payment with them, despite the very clear dates in the letter sent to me via mail. Throughout my dealings with ECSI, I have been lied to repeatedly, not responded to, directed to take actions that are impossible, and given no recourse to have my concerns addressed. Their practices are highly deceptive and fundamentally unfair.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-07 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The Receivable Management Services LLC
State: FL

Complaint narrative:
On XX/XX/2019, I received a call from The Receivable Management Services XXXX ( RMS ) regarding a debt they say I owed with XXXX XXXX for a cancelled insurance policy in the amount of {$670.00}. I advised the rep that per my right, I could cancel my policy at any time, with no further debt owed. As I continued my discussion, I was advised I needed to formally open up a dispute regarding this debt. I was given the ref # XXXX. My dispute was filed via email, with the deceleration page attached as requested and I received a confirmation email on the same date of XX/XX/XXXX, with a promise of the dispute being resolved within a maximum of 30 days. 

On XX/XX/XXXX, I had yet to hear from RMS regarding the outcome of my dispute. Thus, I called and spoke with a very nice representative name XXXX XXXX. She informed me that XXXX had responded to my dispute, but to date their response was not being communicated to me. I advised her that I had not received any notification of the outcome, via mail, email or by phone. She stated no letter had been mailed. No phone call were to be placed as my number was not apart of those that go back into the cue for calls. 

As of today, she stated per her records, no communication had been sent or would be sent to me for follow-up on my dispute. I informed her this was unacceptable on RMS 's part as I was supposed to have received some type of resolution communication within the time frame promised. And since that did not happen, this needed to be removed my credit report immediately as I had followed all of the guidelines set forth in disputing inaccurate reporting according to FCRA. 

XXXX, graciously apologized for the error on their part and that this had not been handled correctly. To date, no notification has been received.

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 2019-11-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s )  that I have made. It is the result of identity theft.

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 2019-11-07 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: ASSOCIATED BANC-CORP
State: IL

Complaint narrative:
In 2014, I signed out a stipulated agreement with attorneys for Associated Bank. It was agreed that I pay XXXX per a month. I have done so since 2014. All of a sudden, this summer I started receiving bills that I am past due, that I am not paying my payments. 

I don't understand why I am receiving these bills. I have paid every payment since 2014 of XXXX. They have never sent me any statement showing what my current balance is, and now I am very alarmed why they are sending me these past due notices. 

I also filled out an additional package to them for a settlement. They don't want to give me a loan modification. They don't give me an answer for my settlement and finally, I have a stipulated agreement from their attorneys from 2014!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
Fraudulent information being reported on my consumer 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 explanation
Consumer complaint received 2019-11-07 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Comerica
State: OR

Complaint narrative:
There were 2 fraudulent charges on my card on XX/XX/XXXX for $ XXXX/each from XXXX. I filed a complaint with Direct Express as required along with filing a police report locally and an FBI report online. I canceled the card on XX/XX/XXXX and was charged {$13.00} to expedite new card. On XX/XX/XXXX I was given 2 Provisional Credit Adjustments for $ XXXX/ea. On XX/XX/XXXX a new fraudulent charge by XXXX for {$120.00} was placed on the NEW card. Did all of the same stuff as I did with first fraud less the FBI report. Canceled the card and again paid {$13.00} expedite fee plus a {$4.00} new card fee on XX/XX/XXXX. On XX/XX/XXXX two {$200.00} Provisional Credit Reversals were on my account. On XX/XX/XXXX two Reversal Credits for {$200.00} were applied to my account. On XX/XX/XXXX XXXX Reversal Debits for {$200.00} each were applied to my account and it now sits at - {$400.00}! The XXXX charge is still currently in a provisional credit status for {$120.00} from XX/XX/XXXX. Due to all of this I decided to find a new banking institution and got all of my money out of that account on DirectExpress mastercard. I've been getting the runaround with DirectExpress and  their customer service is non-existent it takes forever to get a person and then they can't/wo n't do anything to help. Worst company I've dealt with ... EVER they need to be shut down!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-11-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s )  that I have made. It is the result of identity theft.

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 2019-11-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s )  that I have made. It is the result of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-07 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 have submitted several disputes to Equifax to fix the errors they are reporting. I have provided my passport and drivers license to confirm my identity. Every time I call or dispute Equifax has multiple excuses as to why they are breaking the law. This organization is criminal. Federal law says that information must be accurate. They continue to not fix the error. They are reporting XXXX inquiries on my credit report causing my score to be lower and me to be denied credit. I did not authorize these inquiries. 

They have my personal information incorrect as well. They lied and said that XXXX XXXX validated the information. When I contacted XXXX XXXX they said they could not match me with the information being reported and Equifax does their own internal matching and it is their responsibility to fix it. I have a recorded statement from a supervisor at Equifax admitting it is their responsiblity to remove the incorrect information but she was unable to assist me because she couldn't confirm my identity. 

This is the last chance before I file suit in federal court they have to correct this information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-07 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
XX/XX/2018 - my apartment was subleased out. 

XX/XX/2018 - the subleasee left one month early without paying the rent. 

No notice or anything from apartment complex. 

When I saw it on my credit, months later. The apartment complex said that the collection has been already sold, and there was nothing they could do to remove this anymore so I would have to dispute it. 

I have tried to dispute it three times, and Im not sure if Im technically legally responsible still or what the case is. I cant get an apartment until this is paid off. I called the collection company in hopes I can at least negotiate it or make payments. After two days of attempting to reach the representative that Im assigned to with no luck, I went online to make a {$50.00} payment - thinking I could at least do my own payment plan by myself. After no email or anything regarding my payment, I figured I would try calling one last time. I surprisingly got a hold of my representative. Weird, she couldnt return any of my voicemails but okay. I told her I didnt receive a copy of my receipt and she told me it isnt in their policy to do so. Im extremely uncomfortable paying {$1000.00} to company who doesnt even give proof of payment. Nor do I even know if Im even legally responsible.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-07 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Colony Brands, Inc.
State: TX

Complaint narrative:
I am a Senior Citizens that was diagnosed with XXXX XXXX and treatments limited my monthly funds. My funds was cut in half so I continued to pay this company. Now I no longer work because the XXXX metastasized and treatments are harsh. I am waiting on a decision for my Social Security that will much less that a salary. I want to make payments on items I purchased not someone else.

I've had several notifications of a Breach of Data where information was compromised. Colony Brands was initially helpful I placed a Fraud Alert on all credit bureaus and it worked for a period of time but accounts started again. I went back to place a Freeze on all credit reports but there had been additional purchases on the Colony Brands accounts. Initially, it was their practices to contact me before approving any new purchases but they stopped. As i explained to them, I thought it was strange my other creditors did not have any account issues.Most of my creditors worked with me in resolving the issue and notified me each time there were purchases or an attempt to open other accounts. I've been trying to resolve issue with Colony Brands without success. I spoke with XXXX XXXX in which I thought we came to an agreement about the accounts. XXXX was more concern with me paying off the account without removing unauthorized charges and any related finance charge. I've had difficulty with other stores within Colony Brands I filed a report with Federal Trade Commission for Identity Theft and found this company is having issues with unauthorized purchases. Now they want to hold me responsible for the unauthorized purchases and demanded the money. 
My experience with Colony Brands have been they will tell XXXX  what they will do but later tell me something different. They said they were sending the a FTC Affidavit for Identity Theft but never sent it. Later I received a letter stating I need to pay the entire amount whether I purchased or not it came to me. I would not know that anything was purchase because they did not confirm it was me placing the order. It is on all my credit reports that states not to add purchase or open an account without contacting me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: AL

Complaint narrative:
To whom It May Concern. I am writing this as an effort to keep my home. On XX/XX/XXXX, my husband was involved in a serious accident on his job. As a result, of this accident he was required to have XXXX. After all was said and done, he was unable to return to work. He is now needing XXXX on both of his XXXX  and we can't even afford that. This really was a burden on us because now we went from a two income household to one income.I have tried to the best of my ability to continue to make the monthly payments since then. But being the sole provider for my family and trying to maintain all the financial woes, I have fallen behind.I was unaware of any assistance programs that may have been available to me until today. My mortgage company also has not presented anything to me or informed me of anything that would help avoid the situation I am currently facing. I paid them {$600.00} on XX/XX/XXXX and I am only two months behind now.They stated that they can not allow me time to bring the account current and if I couldn't make the payment of {$1600.00} by midnight tonight, the foreclosure process would go into effect.This to me is ridiculous. This has been a big burden on me. My family will be facing yet another dreadful situation if we can't come to some type of agreement. One that will cause us to be homeless. What else is there left for me to do?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
After reviewing my credit report i am continuing to see incorrect information i have reached out to credit bureau with no results. The following information is incorrect bankruptcy courts, XXXX. The followiing inquires XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX  visa, 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 explanation
Consumer complaint received 2019-11-07 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 — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have requested to verify through the physical verification of the original signed consumer contract. XXXX XXXX has not send me a copy of the original signed consumer contract nor have they deleted the accounts. I have provided a list of the accounts in question.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-07 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have requested to verify through the physical verification of the original signed consumer contract. XXXX XXXX has not send me a copy of the original signed consumer contract nor have they deleted the accounts. I have provided a list of the accounts in question.

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 2019-11-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: LA

Complaint narrative:
XXXX XXXX, XXXX XXXX I have contacted both companies and told them these are not my accounts I never opened them, never received goods for the collections they are reporting, I have asked for proof numerous times. I have disputed this for a few Years. Someone opened these accounts and received goods and Im being penalized for it. XXXX says I opened the account in XX/XX/2017 it shows an address of a P.O. Box in XXXX Louisiana, I was living in XXXX XXXX la with my ex husband bc he worked for XXXX in XXXX XXXX. XXXX XXXX I have no Idea where that came from bc I never opened it I have disputed this through XXXX XXXX, XXXX, and XXXX  and nothing. I can print copies of all disputes. The amounts change with every dispute so it says XXXX XXXX , XXXX , now today XXXX . XXXX XXXX says XXXX $ past due XXXX $ credit limit both companies say account confirmed and bump the dates of opening the accounts up and then the dates to fall off are now increased by 2 more years. I dont know what else to do they wont send proof I opened nor who opened it. They keep transferring companies and just keep reporting bad marks on my credit report. Its not fair bc it isnt mine. I work so hard trying to build my credit and this is tearing it down.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: REGIONS FINANCIAL CORPORATION
State: KY

Complaint narrative:
I moved at the beginning of XX/XX/2019. I changed my address and my cards all worked fine -- even my new zipcode worked at the gas pump. My address was correct on the account displayed on the website and I changed everything properly and timely. 

I was married on XX/XX/2019. On my way to my honeymoon, I stopped to get gas and my card doesn't work. My audible subscription trial doesn't work for the roadtrip. I spent 2 HOURS on the phone on my HONEYMOON to rectify the problem ( I had booked all the events on my Regions Credit Card ). I spent more hours fixing reservations until the card was cleared. 

Why was it locked? Because REGIONS put my street address down INCORRECTLY and the statement returned to the billing center. This apparently is policy. No TEXT, EMAIL, ONLINE WARNING, PHONE CALL was made to let me know that my card was locked. 

I incurred late fees on utilities and a myriad of other complications ON MY HONEYMOON. 

Region 's solution : " Well, I do apologize for that. If you have any fees that were incurred on your card, we can reimburse you. '' However, my fees were through the utility company and I switched payment methods. 

Thus, I canceled my credit card and soon plan to cancel my checking account with Regions ( 20 years loyal ). 

I was offered NO REAL RECOURSE. NO REAL RECOMPENSE. NOTHING. 

THIS PRACTICE IS NOT STATED EXPLICITLY ANYWHERE IN THE BILLING STATEMENT. " IF MAIL IS RETURNED, CARD WILL NOT WORK. '' OR " IF OUR BUSINESS MESSES UP YOUR ADDRESS, YOU HAVE TO BEAR THE FINANCIAL AND TIME BURDEN TO REMEDY OUR MISTAKE. ''

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 2019-11-07 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: CBM Services, Inc.
State: FL

Complaint narrative:
Over a year ago i never received a bill for medical services. XXXX threw there gross incompetence and error used a false fake address of XXXX XXXX XXXX bayonet point fl XXXX. I never lived there and never received a bill from XXXX imaging service and i never received a debt bill or debt notice whatsoever! I spoke with XXXX and CBM Services Inc and they made up a false address and never sent me any bills and notice to collect a debt to my correct address of XXXX XXXX XXXX XXXX fl XXXX. Both refused to help me today and remove this charge i have had no idea what it was for from my credit report that was the ONLY one to notify me of this debt. Both XXXX and CBM Services Inc are in violation of they law.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-07 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
I am having EXTREME difficulty with Nationstar/Mr. Cooper. I have had nothing but issues with the servicing of my loan since inception in XXXX. 

The most recent have gone unresolved : 1. On XX/XX/XXXX I called to see how much the balance was on my loan. Later that day I sent in a payment of {$190000.00} via certified mail. This payment was received and signed for by an employee of Mr Cooper on XX/XX/XXXX at XXXX am. 

I have called on several occasions and Mr Cooper is refusing to apply the funds to my account. I am not going into foreclosure nor have I ever been late for any payments. My account is actually paid ahead until XX/XX/XXXX. This company is a nightmare. 


They also have misapplied funds to by paying two separate insurance companies XXXX and XXXX. I have yet to receive a response back to this issue. I feel like they are stealing money from me. PLEASE HELP!

Company response to consumer: Closed with explanation