vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-11-07 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Midwest Recovery Systems
State: TX

Complaint narrative:
The company has placed negative accounts twice on my XXXX credit file and due to such ammounts reported my credit has dropped alot ....

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-07 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Servis One, Inc., Titusville, PA Branch
State: TX

Complaint narrative:
I have a mortgage loan with a company called BSI financial services and XXXX XXXX. I was late on my XX/XX/XXXXpayment which I paid on XX/XX/XXXX. I would have paid it sooner but due to hurricane Harvey I made the payment late. In XX/XX/XXXX my payment went up to {$3900.00} from {$2400.00}. I did n't understand why it went up so high so when I called BSI and told them my payment was so high XXXX XXXX told me to go ahead and make my normal payment and that he would check the issue for us. This had happened before and they fixed it. We thought that is what happened again so I made my XX/XX/XXXXpayment in XX/XX/XXXX but by that time we were were told we now owe {$11000.00} by XX/XX/XXXX. They said they could n't apply my XX/XX/XXXX payment because it was now considered a partial payment. They raised our payment that is supposed to have a locked interest rate for 5 yrs of 9.6 % was raised to 13 % they said it was a default payment interest that would go back down when we caught up on our payments. We are only in our 2nd year. That should have taken our payment to {$2900.00} but instead our payment went up to {$3900.00}. We definitely can not make the payment of {$3900.00}. When we asked them why it went up that high they told us because we did n't have enough escrow and that our insurance went up. Upon looking at our escrow it looks like we do have money in escrow but they told us they do a different math and we have to know their math to understand it. They could not explain their math to us. They still have not been able to explain the reason our payment is so high and we were asked how much we were able to pay but I have n't paid anymore because we do n't know what it 's going to and they already put one payment for {$2400.00} that we made in an unapplied account. We feel like we are just giving money to them and it 's not going towards anything and we do n't understand what we are paying and we do not get concrete answers and it also takes days to get ahold of them. In XX/XX/XXXX we told them we were having a hard time being timely because at the end of XX/XX/XXXX we had to evacuate due to hurricane Harvey. We spent money, my husband lost time and money from work and we spent extra money getting AC replaced that went down during power surge etc ..they raised our payment by {$500.00} for XX/XX/XXXX anyway then for XX/XX/XXXX and XX/XX/XXXX they raised our payment {$1500.00} higher in addition to our {$2400.00}. We were told that the hurricane relief rules did n't apply to them because they were giving us a commercial loan on our property.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-07 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
COLLECTOR FAILED TO VALIDATE AND IGNORED CEASE AND DESIST, REC 4 CALLS TO MY DADAS CELL PHONE, INVALIDATED DEBT INQUIRY. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FILED CHAPTER XXXX BANKRUPTCY CASE NO. 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 non-monetary relief
Consumer complaint received 2017-11-07 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: GREAT LAKES
State: IN

Complaint narrative:
XXXX XXXX XXXX, XXXX KEEPS TRYING TO COLLECT XXXX XXXX XXXX XXXX, STUDENT LOAN FOR XXXX XXXX XXXX XXXX, LOAN NO.XXXX, CONFUSED WITH XXXX NO.XXXX. ( SEE ATTACHED ). THEY ALSO KEEP CALLING MY DAD 'S CELL PHONE 23 IN 3 MONTH 'S.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: PA

Complaint narrative:
OnXX/XX/XXXX, I noticed my account had no money left. I did n't understand why as there was over XXXX XXXX dollars the day before. I reviewed the activity and noticed several charges I never made. I called the bank, they refunded the money of the disputed charges, but yesterday, it happened again. Even though the debit card used to make these charges was cancelled. The bank has let these charges go through twice, and has never called me either time. The card is cancelled, and they still allow the charges to go through. They are not helping me, and I need help. I have no money because of this, I ca n't pay my bills.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-07 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: IN

Complaint narrative:
XXXX XXXX XXXX, XXXX KEEPS TRYING TO COLLECT XXXX XXXX '' s, STUDENT LOAN FOR XXXX XXXX XXXX XXXX, LOAN NO.XXXX, CONFUSED WITH XXXX NO.XXXX. ( SEE ATTACHED ). THEY ALSO KEEP CALLING MY DAD 'S CELL PHONE 23 IN 3 MONTH '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 explanation
Consumer complaint received 2017-11-07 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: Innovis
State: IN

Complaint narrative:
XXXX XXXX XXXX, XXXX KEEPS TRYING TO COLLECT XXXX XXXX XXXX XXXX, STUDENT LOAN FOR XXXX XXXX XXXX XXXX, LOAN NO.XXXX, CONFUSED WITH XXXX NO.XXXX. ( SEE ATTACHED ). THEY ALSO KEEP CALLING MY DAD 'S CELL PHONE 23 IN 3 MONTH 'S.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: CA

Complaint narrative:
My loan servicer was XXXX, I mailed in three payments, 1 in XX/XX/XXXX & 2 in XX/XX/XXXX- as far as I am aware only 1 of the 3 payments was debited and applied to my account. I am not  sure, bc I have received contradicting letters, as well as contradicting information on the phone. I received a letter dated XX/XX/XXXX stating that my loan was being transferred to Rushmore. Since being transferred, XXXX advised me that I do not need to worry,XX/XX/XXXXpayment will apply & a delay was common. To date, I have received no checks back & no payment was applied that I know of. Th new servicer told me to contact XXXX & XXXX told me they no longer had my file & to contact the new servicer. I had also contacted the new servicer on several occasions to enter into a repayment plan- for the months that were becoming past due ( not including the months for which I sent payments in for ). They were going to send me a packet for repayment options & told me to either send the payments in again or wait to receive them from XXXX. I have now received a notice of Default & to Foreclose from the new servicer & no packet, no assistance options.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-07 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Continental Services Group, Inc. d/b/a ConServe
State: IN

Complaint narrative:
XXXX XXXX XXXX, XXXX MUST CEASE AND DESIST COLLECTIONS ON CONSERVE ACCOUNT NO.XXXX XXXX XXXX XXXX AND XXXX XXXX LOAN NO.XXXX DEALING WITH THE ORIGINAL CREDITOR XXXX. ( SEE ATTACAHED ) THEY KEEP VIOLATING THE DODD-FRANK ACY, INDIANA 'S ATTORNEY DO N'T CALL RESGISTRY AND T.C.P.A.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-07 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I spoke with a representative twice @ Equifax. Once inXX/XX/XXXX and againXX/XX/XXXX and was told my inquiries would be deleted, as well as my bankruptcy which was discharged in  XXXX. I then also mailed validation letters on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-07 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I spoke with a representative twice @ XXXX. Once in XXXX XXXX and again XXXX XXXX and was told my inquiries would be deleted, as well as my bankruptcy which was discharged in XXXX I then also mailed validation letters on XXXX 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 2017-11-07 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I spoke with a representative twice @ XXXX. Once in XX/XX/XXXX and again XX/XX/XXXX and was told my inquiries would be deleted, as well as my bankruptcy which was discharged in  XXXX. I then also mailed validation letters on XX/XX/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 2017-11-07 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: CITIZENS FINANCIAL GROUP, INC.
State: NC

Complaint narrative:
I have two inquiries on my credit file with XXXX from this bank, dated XXXX/XXXX/XXXX and XXXX/XXXX/XXXX. I have written to them to request documentation supporting permissible purpose, but have never heard back from them, leading me to believe that they either did not receive my letter, or simply chose not to respond. I currently have an open account with them, and believe that it was the former, as they have treated me very well. However, barring documentation supporting permissible purpose for these two inquiries, I would like to see them removed from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-07 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Incomm Holdings Inc.
State: TX

Complaint narrative:
XX/XX/XXXX 2017 Received a XXXX prepaid debit card in the mail. 
It was not activated. It was unexpected. 
The card was sent by XXXX XXXX by XXXX. 
It was addressed to a person that does not live here. 
Suspect this is a scam whether intentional or not.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-07 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: DataMax Corporation
State: SC

Complaint narrative:
This is the last attempt to resolve this issue, as Ive been advised by an attorney. This collection account thats on my credit from XXXX XXXX XXXX is inaccurate and I have no acknowledgment of. The address being reported Ive never resided at. I just went through a lawsuit with the collection agency XXXX XXXX about this same issue and won my case, its been proven that Ive never lived there and this isnt my debt. Attached to this form is the settlement agreement from my lawsuit with the collection agency and its showing proof that Ive never lived at the address XXXX XXXX XXXX are claiming. If we cant resolve this matter, I will be forwarding all of this over to the attorneys who handled my previous lawsuit and I will file one against them.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: TX

Complaint narrative:
XX/XX/XXXX item was placed on my credit files by Caine & Weiner - XXXX XXXX XXXX, XXXX Texas XXXX. Was noted as collections for XXXX XXXX Showed a collection amount for {$570.00} Disputed info with both XXXX and XXXX credit companies, still not removed from my credit file, only noted on credit report as of this date. 

I was unaware of this on credit file until XX/XX/XXXX. I contacted Cain & Weiner reference information being a false entry and account did not belong to me. It was found account belongs to my XXXX  year old son who did business with XXXX XXXX in 2016 reference DBA documents and at the time used same address as me. He has same first and last name, different middle name. 

I spoke with Manager XXXX XXXX ( XXXX ) XXXX Ext XXXX. Again I explained entry on my credit was incorrect / false and I was not the account holder. XXXX XXXX advised he would note account. Date of birth or last 4 of social on account holder, info could not be located when requested. Information still remains on account. This is lowering my credit score and needs to be removed as requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC
State: TX

Complaint narrative:
Fay Servicing LLC, is our current mortgage company, and is holding a flood loss check issued on XXXX/XXXX/XXXX in the amount of {$26000.00}. issued by XXXX XXXX. XXXX for losses sustained in Hurricane Harvey. Our home is in XXXX XXXX, TX. The check had been sent to them and after claiming they had not gotten it, we contacted the flood insurance company as to it 's whereabouts. We were again informed that the check had been mailed to Fay Servicing. Fay finally " found '' the check and mailed it to us for our endorsement. ( They over-nighted the check to the property address, requiring a signature, where no one was living due to damages. ) We returned the endorsed check to them on XXXX/XXXX/XXXX and they deposited the check to their account on XXXX/XXXX/XXXX. During this time, from XXXX/XXXX/XXXX, our initial contact, we have made numerous phone calls, emails and written communications explaining our need for the release of funds. We have signed and sent them the Homeowner 's Certificate of Intent to  Repair on XXXX/XXXX/XXXX, with the receipts of close to {$9000.00}. already spent on repairs. Fay had also requested a flood insurers inspection and estimate of loss from us. Due to the extensive damage, way above the insured amount, the flood insurance company did not give us a report. A letter was sent to Fay from the flood insurance company to that effect. As of this date we have not had an inspection on the property by Fay or any release of funds. Our account manager, XXXX XXXX, emailed us on XXXX/XXXX/XXXX stating that he had forwarded a request to the company 's loss draft department for expedited attention to our account.We replied to his email acknowledging his help but also stating we had already reached out to Texas State authorities. Our Attorney General 's Office advised us to file complaints with several different authorities which included this office. We also started a file with the XXXX XXXX XXXX XXXX set up for free financial help to Hurricane Harvey victims. We will be contacting other agencies today in hopes that they can help us in some way. Our son has borrowed funds to repair the home and has spent another {$5000.00} in materials and labor. We feel Fay Servicing LLC is attempting to keep the flood insurance proceeds to recoup their investment or at the very least to  collect interest on the amount. We only owe less than {$24000.00}. on the mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
CHASE/XXXX XXXX XXXX XXXX failed to notify me about reporting derogatory info.In section 603 ( p ) 15 U.S.C. ss 168s-2 ( a ) ( 7 ) ( A ) ( I ) ; The notice required under subparagraph ( A ) shall be provided to the customer prior to, or no later than 30 days after XX/XX/XXXX, furnishing the negative information to a consumer reporting agency described in section 603 ( p ), 15 U.S.C. ss 1681s-2 ( a ) ( 7 ) ( B ) ( I ) .Plus broke commercial law under UCC 9.501 that all notices were timely and properly given bydated certified mail receipt. They were not met. I asked for documentation & received no response. 


Also, CHASE/XXXX XXXX XXXX XXXX '' failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, which is {$1000.00} per violation and the state of TX allows treble damages. 

Under 809. Validations of date and Mini-Mirandi under Section 807 ( 1 ) CHASE/XXXX XXXX XXXX XXXX failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, I understand that according to the Fair Credit Reporting Act, failing to provide this notice can result in a penalty up to {$2500.00} and can be enforced by the FTC, and that my state attorney general can also enforce this with a {$1000.00} penalty as well. 

I attached a copy of the law and the actual document from the federal reserve XXXX/BANK ONE CARD SERV is held liable as well for defamation and in the state of TX a creditor is who collects their on debt is considered a debt collector under FDCPA. XXXX v. XXXX 980 S.W.2d693 ( Tex.App-XXXX XXXX XX/XX/XXXX reh.den. ) citing XXXX v. XXXX 936 S.W.2d 654 ( Tex.App-XXXX XX/XX/XXXX writ dism 'd w.o.j. )

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-07 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: Global Lending Services LLC
State: SC

Complaint narrative:
Ive made several complaints about this issue which isnt resolving. This company has an old debt on my credit thats not supposed to be there and needs to be removed. Its at the 7 year mark and they are still reporting inaccurate information. This company violated my rights by repossessing a vehicle and never sending a RTC ( right to cure ). Ive tried several of times to work this company and theyve refused to do anything on my behalf. I spoke with an attorney recently, and Im in the process of filing an lawsuit, if we can resolve this issue I will drop the case if not we are taking this matter to court very soon. Theyve also contacted me recently and its been expressed to them to never contact me. Ive told them several of times to cease all communication with me and theyve violated.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: Santander Consumer USA Holdings Inc.
State: IL

Complaint narrative:
For the past year and a half ( since, at least, XXXX XXXX ), as a result of employment changing and employment termination, as well as facing a chronic, life-threatening illness and fluctuating health insurance marketplace tumult, my finances deteriorated. Throughout my financial decline, I remained communicative and agreeable to any and all amendments to my payment schedules with every and all creditor, specifically SANTANDER CONSUMER USA, the lien holder on my once-leased XXXX XXXX XXXX XXXX, original, manual transmission with little to no resale value according XXXX ( XXXX ). At the beginning of XXXX XXXX, I received written correspondence via post ( XXXX/XXXX/XXXX ), re : Notice of Right to Cure Default. In response, I crafted letters re : modifying my contract, faxed and mailed on or about XXXX/XXXX/XXXX. In addition, I spoke to multiple Santander Consumer USA representatives, some alleging to be from the office of the president. I have repeatedly attempted to mitigate any and all past due payments, in addition to forthcoming on-time payments to Santander Consumer USA. In regard to any consumer assistance or attention to the matter, I received no response. XXXX, XXXX/XXXX/XXXX, approximately XXXX, the vehicle was repossessed without notice. On XXXX/XXXX/XXXX, I received a letter shipped XXXX/XXXX/XXXX via XXXX ( XXXX Overnight ), dated XXXX/XXXX/XXXX, denying my request ( emailed XXXX/XXXX/XXXX ) of Santander Consumer USA representative XXXX XXXX ( by proxy XXXX XXXX ) to modify or renegotiate [ my ] contract with certain specifications. In the same letter ( received after the vehicle was repossessed by Santander Consumer USA ), I had been advised if [ I ] choose to voluntarily surrender my vehicle, [ I ] may give [ Santander Consumer USA ] a call so that [ Santander Consumer USA ] may assist.  On XXXX/XXXX/XXXX, I initiated contact by phone with a Santander Consumer USA representative who ( although useless ) confirmed my vehicle was repossessed devoid of communication and return of my personal property ( ie. 1 ( ONE ) laptop computer, 1 ( ONE ) XXXX XXXX XXXX XXXX and other incidentals ) was non-negotiable, as the useless representative refused to give me the information substantive to retrieving my ( now, seemingly, stolen ) personal property. At the very least, the actions taken by Santander Consumer USA and its representatives are flagrant examples of disregard for consumer assistance, satisfaction and response/respect and ability to accommodate consumer needs and Lessor obligations. More egregiously, Santander Consumer USA appears to have seriously violated consumer  compliance and contract laws, as well as violating consumer protection laws, in addition to false and/or misrepresentation of facts and claims regarding this account.

Company response to consumer: Closed with explanation