vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-07-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc.
State: NY

Complaint narrative:
I was in a XXXX XXXX in XX/XX/2017, which resulted in XXXX XXXX and XXXX XXXX XXXX. I have been making payments on this loan since, however this month I changed bank accounts and went to enter the new bank account number. I believe I may have entered the bank account number incorrectly due to my XXXX XXXX. I am asking that you do not mark me as late on my credit report for my one mistake. I am unable to work due to my health issues, and have a hard time making payments as it is, but I try very hard to make sure they are at least in before they would be considered 30 days late. I was unable to get help through the several emails I have sent, so this was my last resort.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-25 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: TRANSWORLD SYSTEMS INC
State: PA

Complaint narrative:
XXXX, XXXX has been servicing my Perkins Loan from XXXX College since it entered repayment. They recently have switched website platforms and for nearly 3-weeks they have not processed a loan payment that I made. The loan payment has left my checking account and they keep blaming the error on technical trouble all while the loan is accruing interest on the incorrect amount. They are literally stealing my money and blaming it on technical delays. It is unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Selene Finance LP
State: LA

Complaint narrative:
I owe {$97000.00} on my Mortgage which was held by XXXX XXXX   XXXX XXXX  which was send to XXXX XXXX XXXX. And now is held by Selene Finance in XXXX, Texas. I requested a loss mitigation packet through Selene Finance which has fallen on death ears. I sent my XX/XX/2018 payment to XXXX XXXX XXXX under a loss mitigation agreement which passed along to Selene Finance which were return to me around XX/XX/2018. I wishing to maintain this property and am trying to pay my payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-25 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
I currently make {$75000.00} per year before tax. I have {$88000.00} in Federal Student Loan debt and {$72000.00} in Private Student Loan with Navient and just over {$10000.00} with XXXX XXXX. This was to obtain a XXXX XXXX in XXXX. While I am in the industry that I went to school for between student loans and other housing cost I have no savings and a little over {$75.00} saved for retirement. I have filed bankruptcy once and have no form or way to consolidate my loans due to credit score and amount. I am making monthly payments on due dates or just after. 

There was never a cap. I could just keep borrowing and borrowing and borrowing. They never said XXXX stop you will not be able to afford this after school. I just allowed the rich to get richer my student loans are my future and I have no way to pay for anything else. Whether this is my fault, the schools fault or the the lenders fault something needs to be done. This can not continue to happen to other students. 

I call at least every other month asking for lower payments, forgiveness, something that will help me save.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Ability Recovery Services, LLC
State: NY

Complaint narrative:
On XX/XX/2018 ( XXXX  ) XX/XX/2018 ( XXXX ) and XX/XX/2018 ( XXXX ) I sent an electronic disputes for Ability Recovery Services stating that I owe them {$1000.00}. I received my credit reports back from all three credit bureaus stating it is " verified ''. I have sent two letters to Ability Recovery Services asking them to validate the debt that they are claiming on my credit report. I haven't received any written correspondence from them since I sent my letter ( s ) to them. The first letter was sent on XX/XX/2018 and the next one was sent on XX/XX/2018. No letters were sent to my home stating the debt is even mine.

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 2018-07-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
On XX/XX/XXXX, I made an online payment of {$45.00} to the " XXXX XXXX XXXX '' ( The XXXX ) for club fees. 
After pressing the " Submit '' button, the website crashed. 

My card shows the transaction and posted it. The XXXX has no records of my payment on their system and my membership was not established - because they have no payment on record. 

I have immediately submitted a dispute about the transaction with Bank of America.

The transaction is STILL posted on my account and Bank of America is UNRESPONSIVE. I am a " Platinum Tier '' customer with them and as a result of their poor service, lack of responsiveness and as a matter of principle, I am in the process of transferring my business to a different bank.

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 2018-07-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Excessive fees — 
Company: MoneyLion Inc.
State: PA

Complaint narrative:
I joined MoneyLion Plus on XX/XX/2017. Since joining, with my membership payments of {$36.00} bi-weekly, I am supposed to receive {$50.00} per month placed into an investment account and {$1.00} per day cashback for checking the app. I have not received any of those benefits. On my inline account and on the app, it appears that the benefits are available to me, but none have been received. When I inquired with the company, they said I had to " open a new account '' to have the system give me the benefits. I believe that this is unfair and that since I have paid them a total of XXXX in membership fees that I should be receiving the advertised benefits. My online account shows the following : How much Plus costs Cost $ XXXX/mo. You're paying {$36.00} every two weeks, which is the same as {$79.00} per month. Invest {$50.00} With on-time payments, $ XXXX/month is invested for you in your Plus account. Earned {$20.00} You viewed all your cards and earned {$1.00} cashback on 20 of the last 30 days. Invested {$70.00} In the last 30 days, you earned {$70.00} back into your Plus investment account. Nice! Net cost $ XXXX/mo. In the last 30 days your net cost for Plus, that is what you paid minus what you got back, was just {$9.00}. So my net cost, for 10 months, should've been {$90.00}. Not {$800.00}. I have been paying for a service that I am not receiving.

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 2018-07-25 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: PARAMOUNT RESIDENTIAL MORTGAGE GROUP
State: KS

Complaint narrative:
This lender is not mine but the buyers who are purchasing our home. 1st Issue : The lender ordered an appraisal and when that company came out, she didn't measure our home and do a thorough inspection. We ( buyers and sellers ) felt they didn't do it correctly so we asked the lender what our options are. The lender suggested we get a second appraisal but it would be at the seller 's expense. We agreed. Got the inspection done - correctly with correct price, measurements, etc. The lenders came back and said they would still go with the first appraisal report and amount. They never once communicated with us that it wouldn't matter if we did a 2nd appraisal because they were still going with the 1st report. Wasted time and money. 
2nd Issue : less than 24 hours before closing the purchase, the lender sends an email stating they need to delay the closing time from XXXX to XXXX. We informed the lender and buyer 's agent that we needed them to close at XXXX because we need to complete that transaction before we can close on our new home which was at XXXX that same day. I called the lender and they refused to answer my calls, emails and questions. She kept referring me to the buyer 's agent who also told me she didn't know anything. XXXX on the day we close on our house, the agent and lender still has no clue what time they are able to close and no one is answering me. I'm writing this complaint and still am uncertain what time they are closing. 

This lending company is very unprofessional. Here are some of the things they have done. - called the appraisal company pretending to be me, told the buyer 's agent that she just wants more on her commission for the sale of the purchase, refuse to answer my calls, emails and answers and telling me I have no right to report them. I have emails that show all this.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-07-25 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
complaint XXXX about XXXX  - the company is responding never received previously disputed inaccurate information complaints- on several occasions disputed items have been mailed out and sent electronically Experian XXXX is reporting inaccurate information and has been previously notified. The company refuses to remove the inaccurate information sending response that claims have been verified as accurate. Experian is reporting old/inaccurate information

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-25 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Good Morning, I take pride in my credit and I value it very much. I have been trying to contact Experian and XXXX  with regards to reporting a late payment from XX/XX/XXXX on this account XXXX/XXXX and XXXX XXXX XXXX the big issue is that they are lying about verifying the late payment when the company is out of business and has been for quite some time. These credit bureaus need to do their jobs and actually contact the company and verify what complaint/dispute is being made. This account has been closed out since XX/XX/XXXX and I have been trying to get this falsely 30 day late payment removed from this account and it still has a negative reporting on my credit profile. All I want is for them to do their job and get these 30 day late payments removed from my credit report as soon as possible. They are always saying that it was verified when they are not even contacting the company. 

Kind Regard, 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 2018-07-25 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Caliber Home Loans, Inc.
State: IL

Complaint narrative:
I have been working with Caliber home loans since XX/XX/XXXX in trying to obtain a loan modification. I have submit every single document that has been requested since my initial submission. I have received mailings on multiple occasions stating that my loan modification packet was complete and going to underwriting for review. Shortly after I would receive requests for additional information. After complying with all of the requests, the file was never decisioned. I was told I had to resubmit everything because the documents expired. This went on for 16 months straight. All the while I was in the XXXX County Foreclosure Mediation Program. Finally when the mediators set the case for a formal hearing on XX/XX/XXXX. Right before the formal hearing I finally received a decision letter. The loan modification was denied and I was denied all home retention options as my arrearages grew larger than FHA 's partial claim would allow. Caliber is at fault for neglecting to review my complete applications timely. I was prepared to begin making mortgage payments again as soon as the first application was submit. I am so disappointed in the actions of this servicer. Due to the length of time they wasted, I am now in close danger of losing my home to foreclosure.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-25 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: AR

Complaint narrative:
I received a letter from the Federal Trade Commission stating that they are suing Ameritech Financial, the business I have been paying for my student loans. I'm scared of that this means and trying to understand if I am involved in a scam, where my money went, and how to get out of it. I've been paying them for 2 years and the letter states that it has not been going to my student loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Garrison Investment Group
State: MA

Complaint narrative:
The credit company XXXX XXXX requested a copy of my credit report without my permission. The request was made XX/XX/18 without first contacting me and requesting my authorization.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Eastern Account Systems of Connecticut, Inc.
State: TN

Complaint narrative:
In XX/XX/2018, I moved. I cancelled XXXX service at my old apartment on XX/XX/18 and then went into their office on XX/XX/18 to set up service at my new address since when I spoke to someone on XX/XX/XXXX, they said they were not able to simply transfer services between locations. While I was there, the agent offered to take payment for my final bill of {$60.00} at the old address, which I provided ( I still have the receipt from XX/XX/XXXX and my bank shows the payment went through on the next business day, Monday XX/XX/XXXX. ) XXXX has continued to email, mail, and call me about this final bill saying it is unpaid and has now turned it over to a collections agency, Eastern Accounts. The woman there was helpful when we spoke today and took a copy of my receipt to send to XXXX since the last payment the records they sent her reflect was from XX/XX/18 for {$110.00}. So far this week alone ( the week of XX/XX/18 ) I have received a piece of mail, an email, and a phone call about this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-25 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Meade & Associates, Inc.
State: OH

Complaint narrative:
Told Meade and Associate several months ago not to call me just to send debt information in the mail. 
They called me today from this number. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-25 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: WAKEFIELD & ASSOCIATES, INC.
State: CO

Complaint narrative:
During XX/XX/XXXX I made payments on two different medical collection items., {$540.00} and {$640.00}, held by the collection agency Wakefield and Associates . These items were a result of claim disputes with a medical insurance company.The claims were finally settled/ paid and the items were paid directly to Wakefield with the understanding the items would be eliminated from all three credit reporting agencies. To date Wakefield has refused demands to eliminate the derogatory information from my credit. Wakefield is violating the law under FCRA XX/XX/XXXX. 
I want Wakefield to eliminate any information at credit agencies on these items.

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 2018-07-25 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Good Morning, I take pride in my credit and I value it very much. I have been trying to contact XXXX and Equifax with regards to reporting a late payment from XX/XX/XXXX on this account XXXX/XXXX and XXXX XXXX XXXX the big issue is that they are lying about verifying the late payment when the company is out of business and has been for quite some time. These credit bureaus need to do their jobs and actually contact the company and verify what complaint/dispute is being made. This account has been closed out since XX/XX/XXXX and I have been trying to get this falsely 30 day late payment removed from this account and it still has a negative reporting on my credit profile. All I want is for them to do their job and get these 30 day late payments removed from my credit report as soon as possible. They are always saying that it was verified when they are not even contacting the company. 

Kind Regard, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
The credit company XXXX XXXX requested a copy of my credit report without my permission. The request was made XX/XX/18 without first contacting me and requesting my authorization.

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 2018-07-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.
State: OH

Complaint narrative:
I received a vmaill message on XX/XX/2018 stating " Uh yes, Good Morning XXXX XXXX my name is XXXX contacting you from the office of Midland. I just received an email from one of our compliance officers stating that you are refusing to sign for your documents. If you could please contact the office and we can discuss the paperwork at XXXX ummm XXXX XXXX if I dont receive your phone call today, you leave me no other choice we will be submitting a plea of willful evasion against your name and social security number to the county first thing tomorrow morning, again XXXX thank you '' There is no name on my vmail so how do you know you are leaving a message on the correct phone # XXXX you are calling and making threats.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC
State: IL

Complaint narrative:
Currently on my 4th servicer ( Shellpoint ) after defaulting on our Mortagage due to unexpected loss in income. Chapter XXXX Bankruptcy filed and discharge occurred in XX/XX/2017. Serviciing of the loan transferred to XXXX in XX/XX/2017 and the only 2 modification offers were not sustainable and would have resulted in another default. Very little contact lately with Shellpoint, but have made several calls to a XXXX XXXX to inquire about a Shellpoint IN-House-Modification program or a Principal Reduction Alternative. I was informed via a loss mitigation affiidavit from a XXXX XXXX that I was eligible for an In-house-modification. To date, I have not received a call back from XXXX XXXX regarding my inquiry and how to possibly apply. There is a new owner of the loan and I am hoping they would be receptive to a creative solution to our problem to avoid a foreclosure.Our financial situation is improving since the Bankruptcy which I feel should be taken into consideration in order to come up with an acceptable remedy besides a foreclosure.

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