vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-07-22 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I submitted to Experian a dispute about my XXXX/XXXX/XXXX  account. I wrote a detailed letter and provided a full credit report highlighting the errors. I was notified today the dispute was complete so I pulled my report. Unfortunately, Experian did not meet their obligations under the Fair Credit Reporting Act. They did not provide answers to any of the questions that the dispute raised nor does it look like they actually investigated as the date of update is XX/XX/2019 which was before the dispute was filed. Therefore, I am filing this complaint to compel Experian to delete the XXXX/XXXX/XXXX account for inaccuracy as highlighted in my dispute letter.

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 2019-07-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA
State: MI

Complaint narrative:
This is a long story, but here it goes. When I first received a call from fed loan servicing the gentleman that called ( XXXX XXXX ) got me set up on what he referred to as the 25 year plan. What he explained was that as long as I made my payments for 25 years straight my debt would be forgiven. He set me up with a lower payment based on my income, family size, wifes incomes, wifes student loans. About 3 months in fed loan contacted me and said my payment was going to triple because the poverty level went up and I received a raise at work. What? Triple?! That seems excessive since my raise was a 6 % raise but payment will go up 300 % ... Then when I tried to contact XXXX XXXX of course he no longer works there. Fast forward three years and theyve double my payment every years since inception. Now its to the point I can not afford it. When I ask if I can see the numbers theyre using with the formula theyre using they say they can not share that information with me. I recertified in XX/XX/XXXX. Im starting the process for my next years recertification and again theyre saying its going to double. Neither mine or my wifes income has changed in two years!!! Again when I ask to see the numbers to justify this increase they claim they can not share that info. They wont even mail it to me! Pearly the whole company is very unethical. When I asked what I can do if I cant afford the payments they say tough deal with. Like that magically gives me more money to pay them. Something has to be done about this business. Can someone please help me recover the actual numbers the used with the formula to determine my payment, because something is not right here ...

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: GA

Complaint narrative:
Bayview / XXXX XXXX XXXX XXXX XXXX are attempting to foreclosure with an assignment that is clearly fraudulent. The person signed after the cut of date of pooling and service agreement with SEC the alleged trust that is was placed in. The assignment was signed by a Lawyer that was actually the foreclosure Attorney in XX/XX/2010 he sign as President of XXXX. He was not the president of this company, therefore this assignment is tainted and fraud cant be the based of obtained a deed. I have also mailed s request for a loan modification and they havent responded. I also made calls and all had been to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
transunion has had XXXX/ XXXX  reporting twice on my report, I only have 1 an this is same account one has to be removed, 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 2019-07-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc.
State: IA

Complaint narrative:
This is the second time in three years Dovenmuehle Mortgage is threatening to buy additional flood insurance on my condo and charge me. I have twice sent them the association flood policy on the building which is at full replacement cost which includes my unit, yet I got a second notice from them last week. As with two years ago when they bought a policy in my name and then cancelled I had to complain to get them to back off. The replacement on my cube of space would only be XXXX which is what my property insurance values the interior. The ACV is more than the replacement cost of the my condo. My loan with Dovenmuehle, which they bought, is for around XXXX which is what I think they want me to purchase. This can not be done since that insurance does not cover more than the value to replace. If I were to purchase a policy, which my agent say 's doesn't make sense it would be duplicate to the Association policy. I am sure they will tell you that they are only looking after my best interest per FEMA as they did last time. They say the may charge me so I am trying to get ahead of their threats. I have had problems with them in the past on this issue and escrow. They do not service their loans well that they purchase.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A.
State: NC

Complaint narrative:
Had an unknown person arrive in property saying that there was an urgent matter that I had not been intouch with mortgage company and for me to contact company. Attempted to contact company was hung up on 2 times during conversation with 2 different reps. Also was told by second rep I was nick picking with the words. But if I am trying to get accurate information, I need accurate information. In a court of law accurate information is very important. In the world accurate information is important for all things not just business. I am not receiving accurate information from mortgage company. They are not sending out accurate information. Contact is impossible when they put you on hold for hours, they will not answer the phone, when they do they hang up on you. The reps are rude, and dont provide accurate information or take accurate information. If you cant communicate then nothing gets resolved, end up on a hamster wheel cycle.

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 2019-07-22 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: APEX Asset Management, LLC
State: NJ

Complaint narrative:
We received your complaint. Thank you. 

We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. 



YOUR COMPLAINT Today on XX/XX/XXXX I received a letter in the mail from Apex Management for services rendered on XX/XX/XXXX from XXXX XXXX and XXXX in the amount of {$130.00}. Stating that they have received my {$30.00} payment. The {$30.00} that was sent to them was for a bill that I had received on XX/XX/XXXX regarding XXXX XXXX of XXXX XXXX, with acct # XXXX However the {$30.00} was applied to XXXX XXXX  and and XXXX Acct # XXXX and should have been applied to XXXX. I also wrote the acct # of the bill sent by Apex on the check. I Called the office the office to try and explain, I was hung up on twice. After being hung up I tried again and asked to see if there was corporate office or a supervisor to help resolve this issue, I was told no and again hung up on. on XX/XX/XXXX I now received a new bill from Apex applied my XXXX to another bill that I don't even have proof that is even my bill. I have never received any bills from XXXX XXXX and XXXX # XXXX. I asked in writing for documents of proof for this bill with my signature via mail.I believe that XXXX applied my money to another account that does not belong to me and if it is truly my bill it is out of the statue of limitations and they applied it to the other account to try and show a date after the statue of limitation has run out. On XX/XX/XXXX I was again billed for XXXX the bill that I've already paid on XX/XX/XXXX under acct # XXXX this time they sent the bill same client reference # XXXX same amount but with a different acct # this acct number isXXXX. I believe that I am a victim of unfair practice by Apex Management .I am also Diaputing the debt for XXXX  XXXX and XXXX. This is eight year debt and I have no proof that this is my debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
I am a long time customer of American Express. For nearly ten years. I had a {$15000.00} credit line with them. At the end of last year, I utilized my credit line. Immediately XX/XX/2019, I was sent a notice that my credit line was being reduced to {$13000.00}. I have never been late once with American Express or any other credit card company. I reduced my balance responsibly to conform with the reduced credit line. On XX/XX/2019 I received another email reduction of my credit line, in the middle of my shopping to {$12000.00}. No advance notice and nothing. I called American Express this morning and I was informed that my account is reviewed every six months and that they review my credit score and financial dealings with all my creditors. That they have the legal right to do so. I have done research on this and I understand that they have this legal right, BUT, this is wrong. My approved credit line with American Express should only be reduced if I missed a payment or did something wrong. I also feel that my privacy as an American Citizen is being violated. They should not have the right to continuously review my credit report or financial transactions. Consumers need protection from large companies like this. The American Express rep. kept saying that this is legal. It may be legal, but it is plain wrong and an infringement of my privacy. They should not be allowed to randomly without notice change the terms of their offer of credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-22 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
I went to a hair salon on XX/XX/19 had an appointment to have service done on my hair spoke with the owner and she said the services I wanted she was not familiar with it and she spoke with her daughter and she came back and said her daughter knew how to do it but the problem was her daughter was booked for the day and I said but I made the appointment and you responded to my email and you say yes come in she then said wait I will see if my daughter can fit you in and she came back and said yes, but it is going to be a wait and I responded and said should I leave and come back later she said no wait I had no idea I was going to be sitting there 5 hours before they started services on my hair finally around XXXX XXXX they had another co-worker start providing services on my hair and the owner of the salon was to cut and style my hair and she was rushing to get me out after sitting there all day she finally said I have to leave I am going out for the evening and I have to finish shopping I am throwing my XXXX XXXX XXXX son a birthday party the next day XX/XX/19 and the style and cut the owner did on my hair was an XXXX  of a mess I ended up paying {$180.00} on my hair I had to go to someone else to correct the cut and style the previous salon did on XX/XX/19 I put a complaint with my bank and that was Santander they denied the claim on XX/XX/19.

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 2019-07-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: HEARTLAND PAYMENT SYSTEMS INC
State: NJ

Complaint narrative:
I found a loan on my credit report that I knew had been paid in full. On my credit report it is listed as unpaid for the full XXXX dollar amount. I contacted Heartland ECSI and they directed me to their website to print any statements. The problem, however is the most recent statement available on their website is from XX/XX/2017 and in that statement it says I owe the full XXXX dollars. I paid them the full XXXX on XX/XX/2017, however there is no statement after XX/XX/2017 that says my money was received and the balance is XXXX. All I wanted was a form showing the XXXX balance so I could send that to the credit agency and get this resolved. Instead they made me feel like a dead beat. This service company is criminal. They cause immense amounts of stress and overall life disruption with their sloppy practices. This all happens and the consumer ultimately pays the price.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-22 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: ALLY FINANCIAL INC.
State: PA

Complaint narrative:
I scheduled my payment for XX/XX/XXXX on XX/XX/XXXX to be processed on XX/XX/XXXX via electronic debit as usual. After XX/XX/XXXX I at least received 13 calls that I've found so far between XX/XX/XXXX and XX/XX/XXXX, along with 2 written notices to make payment and several text messages requesting payment. I sent 2 chat messages advising Ally that I had already scheduled my payment and to kindly stop trying to  contact me in early XXXX but the calls and texts kept coming. I escalated my frustration at this harassment and got a call from Ally on XX/XX/XXXX, I returned the call leaving a voicemail on XX/XX/XXXX and haven't gotten a response. They clearly have issues either recognizing payments that are scheduled or just are intent on harassing people, either way, it's highly unacceptable.

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 2019-07-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Auto Trakk, LLC
State: PA

Complaint narrative:
Continue to send letters via certified to company. Company failed to comply with FCRA guidelines. Requested written verification, ( Proof of signature )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
The problem is, Bank of America withdrew from my Savings account, rather than my Checking account, like they had been. 

On XX/XX/2019 I used BOA 's Bill Pay software to withdraw from my account labeled ESL. Their software correctly withdrew from my ESL Checking account. 
On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, I continued using their software to withdraw from my ESL checking account. 
On XX/XX/XXXX, after making no changes, BOA 's software decided to withdraw from my ESL Savings account. 
I had the cash in my Checking account, but not in my savings account. 
Because of BOA 's random decision to withdraw from Savings, the withdrawal failed. And, BOA charged me {$25.00} for their software mistake, and my ESL bank charged me {$74.00} ( two NSF fee 's )

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 2019-07-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
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 2019-07-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: MA

Complaint narrative:
Resurgent Capital Services and LVNV Funding LLC have contacted me stating that I owe {$4000.00} to XXXX XXXX XXXX. with an original date of XX/XX/XXXX and a change off date of XX/XX/XXXX I did send them a certified letter on XX/XX/XXXX stating that this debt is not my debt and to cease and desist letter however instead they did utilized my information and send me back a " computer generated verification '' with my information typed on a blank paper pretending this is my debt however they never send the original document signed with my information in the original document as stated in Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA. they have Illegally and fraudulently utilized my information to collect a debt that is not my debt due to the fact that I have never had any business with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Hunt & Henriques
State: CA

Complaint narrative:
I was sued by Hunt and Henriques Attorney firm and they got a judgement to levy my bank accounts. I have never received anything from this company before. The original creditor is XXXX  XXXX/XXXX   credit card. Then XXXX XXXX bought the debt and hired Hunt and Henriques to collect the debt. I received the judgement in the mail on XX/XX/XXXX. It states it was mailed on XX/XX/XXXX. The amount of the debt is {$2000.00}. The Statute of Limitations applies to this case. This account is Time Barred. The account was opened in XX/XX/XXXX. The last payment was received by the company on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-22 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: First Associates Loan Servicing LLC
State: MI

Complaint narrative:
I had a settlement agreement with the company and gave them permission to deduct a specific amount from my checking account. They deducted an amount 33 % greater than the agreed upon settlement committing wire fraud and are refusing to issue a refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
IhaveanaccountwithCitizensBankandhavehadthisaccountfor5+years.Ihadahousefireafewmonthsago,andmyhouseiscurrentlyunderrepairssoicanmovebackin.Whentheinsuranceclaimwasdisburseditwassenttomymortgagecompanythengetsreleasedinportionsaddressedtomeandmycontractor.AllhasbeenfineuntilnowwithCitizensBank.IwenttothebranchwiththecheckandthetellertoldmetoendorsethecheckFORDEPOSITONLY.ifollowedherdirectionanddepositedthecheckintheATMsothaticouldgetacopyofthecheckonmyreceipt.thenextdaythecheckwasnotclearedandaholdwasplacedonthefunds.Icalledcustomerservicenumeroustimesandnoonecouldgivemeaclearanswerastowhythiswashappeningtome,nottomentionTHISWASTHE2NDCHECKdepositedforthisinsuranceclaim.Thenireceivedalettersayingtheywouldholdthefundsfor45days!icalledagaintodayandwastoldthattheywillnotbeclearingthefundsduetoendorsementissues!theywillnotreturnmychecktomeandIcannothavemyfunds!HowcanabanknotcashmycheckandWILLNOTGIVEMYCHECKBACKTOME?Nowi'm2weeksoutwithoutthefunds.Ihadtocallthemortgagecompanystoppaymentonthecheckandre-releaseanotheronetome!
thishasbeentheworstinconvenienceever!ThecontractorsstoppedworkingonmyhomeatthispointbecausetheycanNOTGETPAID!ihavetomoveoutofmytemporaryhousingattheendofthemonthandIcan'tevengetmyhousecompletedtomovebackin,duetoCITIZENSBANK!MyfamilyandIwillnowbeXXXX!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-22 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Medical Data Systems, Inc.
State: TX

Complaint narrative:
At XXXX on XX/XX/2019 I received a phone call from XXXX. It is from Medical Data Systems. It was a recorded message saying this is an important message for XXXX XXXX, if you are not XXXX XXXX please hang up, if you are XXXX XXXX please continue to listen to this message. I hung up. I am XXXX XXXX but I will not listen to a recorded message which is robo calling and totally against debt collection practices. If would have been a live person I would have talked to them. They do not identify themselves as debt collectors.

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 2019-07-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: EdFinancial Services
State: PA

Complaint narrative:
edfinancial.com - the site has been showing broken links for at least 10 days now. This was reported to them by a XXXX user on XX/XX/2019 and they responded they were aware of the issue. 

I contacted them as well via their website and they gave the same response last week. 

The problem has yet to be fixed and I do not feel safe logging in and making a payment if they don't seem to care their site it broken. 

THIS IS DELAYING MY PAYMENT!!!

Company response to consumer: Closed with explanation