vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-02-28 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: M&T BANK CORPORATION
State: NJ

Complaint narrative:
I had previously filed a complaint, CFPB case number XXXX, because M & T Bank had refused for over six months to update my account with my new address and was knowingly sending personal and confidential information to my old address. I filed my complaint as I was concerned that M & T Bank would send my XX/XX/XXXX XXXX tax information to my old address. M & T Bank response to my complaint did not make any sense but as part of its response M & T Bank stated that it had updated my address in its records and that my XX/XX/XXXX XXXX tax form would be send to my correct, current address. Specifically, the XX/XX/XXXX letter they sent to me states : " the address has been updated for any applicable year-end tax forms. '' However, my address was not updated and M & T Bank willfully and knowingly sent my year end XX/XX/XXXX XXXX tax information to my former address.

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 2018-02-28 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: American Collections Enterprise, Inc.
State: VA

Complaint narrative:
On XX/XX/XXXX, I receive a call from XXXX saying I was past due in my amount, I pay XXXX dollar a months, The reason why I was late on this payment was because my card broke and got it replaced, I had a a temp now, I told the lady that i was going to call back with the car info went i receive the new one so they can setup auto payment again. This lady was so rude she told me, well I dont understand why you can give me the info of the temp card, I told her I dont have it with me and i Dont want to set up nothing with that until i receive the new one, she kept harassing me telling me why dont you just make a payment I told her until I receive the new one and she kept going I told her fine Ill call back with the info. On XX/XX/XXXX around XXXX, this lady called my job for the 3x to speak to me, she was rude to the person who trasfer the call to me gave them attitude, my boss came to me telling me that this lady XXXX was rude and that not like this because is the 2nd time she act this way, I dont understant why she calls my job after I told them not to call my job. So I called them back spoke to XXXX, I told her that I did not want her to call my job especially if she is being rude, she started talking to me rude with a loud voice, I told her that I need to talk to her manager, Her manager was even more rude I explain everything that happend to her and she was like well we are trying to collected our money and I told her what happen and I told her that IA did not appreciate them calling my job and being rude to my manager and she was like well we are allow to call your job even thought I told her dont call them on the 2nd time they did. she was like we need to collect the money and is not fair you get service and dont paid, I told her she doesnt even know why I got service it was because it was a emergency is that that i wanted but I was trying to paid atleast she told me well basically you have taken so long, yes I have with XXXX kids and single mom but Im trying now she kept being more rude and I told her Ill find someone to help me or get a lawyer or something because they will make me lose my job taking to may boss rude.

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 2018-02-28 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
They told me I couldnt lower my payment and I wasnt able to do A forbearance anymore.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: Santander Consumer USA Holdings Inc.
State: NJ

Complaint narrative:
After Gap company and insurance company paid off balance of the car the finance company add {$490.00} to the remaining balance that Gap company did pay/wave off. It was about {$1900.00}

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-02-28 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ALLY FINANCIAL INC.
State: MA

Complaint narrative:
On a letter date XX/XX/18, Ally sent me a bill for {$1200.00}. I fully reject this as not being valid. A ) There is/was no excessive wear to the vehicle ( {$540.00} ) B ) Sales tax on excessive miles/excess wear and tear if false ( mileage was significantly below what was allowed as per lease agreement ( {$47.00} ) C ) Total Daily Extension Charge is false as the only reason the car was kept past the date in the lease is because Ally, for 4 months lied to both myself and my mother ( the person who was going through the lease buy out ), dragged its feet throughout the process and is guilty of fraud against and elderly woman. They scared her into thinking the car was going to be repossessed on a phone call and she drove that day to the dealership to turn the car in. The {$620.00} listed for that charge is their own fault. If they proceed in taking this matter further, I'm going to district court to file a countersuit in the tens of thousands due to all of the lost money paid into the vehicle for the lease. The process was initiated for the lease buy out in XXXX and in XXXX the lied to my mother ( whose primary language is not English ) and scared her into surrendering the car. This is after I have proof in an email that the buy out application was approved. Given that I am in MA, that is the only reason I haven't filed a suit against Ally already. Now I will have to take time off to sue them.

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 2018-02-28 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CO

Complaint narrative:
On XX/XX/2015 my ex-husband XXXX XXXX and I received a check from XXXX XXXX XXXX XXXX XXXX for the equity in our home that sold. We were not in agreement on how the funds should be split so the title company was not going to get involved with the separation of funds. The check for {$75000.00} and was payable to my ex-husband AND ( not or ) myself which would require both of our signatures. 
The check was deposited into XXXX  personal USAA account and cleared with only his signature. 
It has since come to my attention that this is an ongoing problem of check cashing on XXXX behalf of checks written to both of us and being cashed by only him.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX bought debt from a delinquent medical bill account that had been closed for years. They reported this bill in their name as delinquent so now it is showing up on my credit report twice. The original company, and their debt - which is the same debt. This caused my credit to plummet out of nowhere resulting in a chain of credit companies I'm actively using lowering my limit, thus effecting my credit more. I have been working for the past 5 years to bring my credit score up. XXXX XXXX has ruined this hard work. 

The claim that I owe them this money is absurd and should be illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: FL

Complaint narrative:
Working with XXXX asked for an appraisal to remove PMI, they informed me that my PMI is locked in for 30 years? 

Loan Number XXXX Next Payment Due Date XX/XX/XXXX Next Payment Amount {$1900.00} Property Address XXXX XXXX XXXX XXXX, FL XXXX Loan Type FHA RESIDENTIAL Original Principal Balance {$270000.00} Origination Date XX/XX/XXXX Original Term 360 months Current Principal Balance {$260000.00} Loan Maturity Date XX/XX/XXXX Remaining Term 326 months

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Williams & Fudge, Inc
State: CO

Complaint narrative:
Hello, When I was a XXXX in XXXX XXXX, before my XXXX birthday, my XXXX XXXX   signed me up for a XXXX level class that I took online. Years later, I find the debt for the class on my credit report and am receiving bothersome calls from the collection agency. I never signed an agreement, but even if I had, I wasn't old enough to make an agreement to pay. I was in the public education system and I wouldn't have been able to consent to paying for a class. The debt collector is calling me constantly, has never provided any proof that I needed to pay or consented to pay for a class. I thought my school would pay for the class. My parents never signed an agreement either. Please help me if you can.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: ALLY FINANCIAL INC.
State: NC

Complaint narrative:
I'm trying to refinance the new auto loan I had through Ally Financial, Inc. with a new lender. Ally reportedly received my check for the payoff on XX/XX/2018. Payments to Ally by mail take 3-5 business days to process, but on the 6th business day it had not posted, which made my account go 30 days past due, which was immediately reported to the credit bureau. Next, on XX/XX/XXXX Ally informed me that the payoff amount was short because ( due to them delaying it ) I owed {$300.00} more in finance charges than the loan is for, and they wouldn't process the check until I made a payment of {$300.00} to cover that gap. I made that payment electronically the same day, and it is the now XX/XX/XXXX. The payoff has still not posted ; I'm chatting with their customer service as I'm writing this complaint, and Ally is saying they " may '' have rejected the check and mailed it back to me ( I've been waiting for over an hour while they try to find out for sure ). If they really have mailed the check back to me, my new lender would have to cancel their loan and I would have to reapply if I still want to refinance -- but because I now have that 30 day late payment on my credit report ( which would've been avoided had they processed the check during the time frame they said they would ), my credit has likely been so adversely impacted that I can no longer get the same interest rate I was promised before. Even if the check HASN'T been mailed and they DO end up processing it, this late payment will likely hurt my chances of being approved for a home loan now, like I am planning to do soon. It seems as though Ally keeps intentionally delaying the payoff so they can make a last-ditch effort to keep charging me as much interest as they can before I refinance, which I feel may even be illegal.

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 2018-02-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: FL

Complaint narrative:
I recently found out that IC Systems has been reporting and re-reporting an XXXX XXXX XXXX collection to my credit reports since XX/XX/2014. I believe its for a landline phone, not a cell phone. I should not have any debts to XXXX XXXX XXXX, and I haven't had a landline in a very long time. So, I disputed the collection account via XXXX, who stated they contacted IC, who in turn verified it as accurate. I'm not really sure what else I could reasonably do, because I never received a bill or anything to tell me what this is for, even after I said it wasn't accurate.

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 2018-02-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Hunt & Henriques
State: CA

Complaint narrative:
Never received 1st collection notice and or any phone call regarding the collection of the debt. Did receive a letter to threats of lawsuit only. Send fax requesting contact by phone but never got any calls. Requested original application showing my signature that I signed the application and was refused to be provided it. Asked for ITEMIZED STATEMENT, sent incomplete documents after two request. After my fax request was not honored by, HUNT & HENRIQUES ; called to get the information requested and was DENIED. Tired to offer a settlement was told by XXXX XXXX, " NO SETTLEMENT WE ARE GOING TO PROCESS A LAWSUIT. '' She then just hung up on me. Very unprofessional if trying to collect a debt and furthermore not sure if they even stated the mini-miranda when I called there offices. 

Hunt & Henriques XXXX XXXX XXXX # XXXX XXXX XXXX, CA XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-28 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: First Direct Lending, LLC
State: MD

Complaint narrative:
On XX/XX/2018 between XXXX my wife received a cold call from a company by the name of First Direct Lending out of XXXX CA. The agent that reached out went by the name of XXXX XXXX NMLS # XXXX. This past summer we where looking into a refinancing on our home loan but never moved forward because the timming was not right. Fast forwarded to yesterday XX/XX/2018 when XXXX contacted my wife, which i believe to be a cold call from information we provided online months ago. He starting selling her on the idea of refinancing our home, being very pushy at that. She stated to him that she really needs to speek to me about it because she let 's me handel such matters. I was at work at the time when my phone alearted me that I had a hard credit inquiry. I called and spook to my wife who said that that XXXX   wanted to do a soft inquiry on my credit and it would not hurt anything. Now with that said he never did his do diligence by stopping the conversion with my wife and contacting me for my concent to pull my credit. Side note shame on my wife for giving out my personal information such as my SSN, income and date of birth to a stranger. With that said it was XXXX 's responsiblity to contact me for consent to pull my credit. He moved forward with pulling my credit without my knowledge. His actions are a pure violation of the FCRA. On top of that he emailed my wife sensitive information on my credit report that she was not privy to. Which i believe violated the privacy act. Any help on this matter would be greatly appreciated. Thank you, XXXX XXXX ( XXXX ) XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-28 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: PRESTIGE FINANCIAL SERVICES INC
State: WI

Complaint narrative:
Screen shots attached show that Prestige financial has been reporting late payments to all three credit bureaus. This account has been closed/charged off since 2014.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-28 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Paypal Holdings, Inc
State: IL

Complaint narrative:
On or around XX/XX/XXXX I began selling items on XXXX which requires a Paypal account to be linked for payment. Shortly after Paypal contacted me whom i've had an business account with for about a year. They wanted proof of I.D, Dropshipping info, residency info, order fulfillment info, and invoices. I replied and sent all information requested during this process my Paypal account was frozen for 48 hours. Once info was verified I was able to continue business. Then My dropshipper XXXX asked to verify my account and said it takes 3 days well it took 7. Once all this was sorted out XXXX contacted me asking if I had issues with order fulfillment I explained the issue and also explained why I refunded so many customers whom were waiting. I looked up and my XXXX account was suspended XX/XX/XXXX with a {$800.00} sellers fee for selling on XXXXy I haven't been selling for 30 days yet.They then began refunding all customers even the ones i've previously refunded. And I couldn't see any of my sellers information on XXXX nor respond to any customers. Upon review of my paypal account it was negative {$100.00} 's of dollars and refunds went to quite a few customers whom have been shipped to and received items previously or had tracking information attached to orders already out for delivery. There is proof which I will be attaching. At this time XXXX  is still refunding customers and even after several attempts to ask Paypal to cease the action on my account they have allowed this - {$1500.00} as ofnow. There were some customers that I needed to refund about 12 after account was suspended but now their money is gone and so is alot of mine thanks to the refund process XXXX has began blindly. Please look into this matter and help me I will attach shipping info, payal info, and messages XXXX has sent showing refunds to people and never contacted me about this issue. XXXX even skipped the process in which a case is opened and they allow you to respond in 24-72 hours they are not even contacting me. I've been passed around to over 20 customer service reps and account specialist with no results. Just refund email after refund email all day for days. Help

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-28 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: FL

Complaint narrative:
I tried to dispute this account because it has been over 8 years that this account has been opened and I wanted it to be removed from my credit report. As the result, this account came back on my credit report re-aged. 

I spoke to Equifax and they told me my account can not be removed because with a {$0.00} balance I need to wait 10 years. And it is showing a new date as XX/XX/XXXX and this account will be removed from my credit report in XXXX. They re-aged my account and told me there's nothing they can do about that. 

They also told me to try and contact the creditor company and ask them to send an authorization to remove the account. 

I called the creditor company and they told me it is impossible that my account re-opened unless I applied for a new credit line which I did not. I tried to explain the situation to her which she did not want to listen, and she told me they can not remove anything. 

I know my rights and I know that they can not leave bad debts more than 7 years on my credit report and re-aging accounts are illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-28 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CONTRACT CALLERS INC
State: FL

Complaint narrative:
I have an account with Contract Callers, Inc ( CCI ). I have sent both verification and validation letters with no response. I am asking to see my original contract and how this collector came to own my debt. Because they can not validate the debt and I have not seen any proof that they own it, I believe that the debt should be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: JPMORGAN CHASE & CO.
State: NH

Complaint narrative:
My wife and I opened an account with Chase Card Services in XX/XX/XXXX. We have used the card continuously for 25 plus years. We enjoyed a variable rate of 10.49 percent which change whenever the prime interest rate goes up. On XX/XX/XXXX we were notified that the rate would be changed to15.49 percent because " We are changing the Annual Percentage Rates ( APRs ) as described below because your APRs are below the lowest APRs we currently offer on similar accounts. '' We have until XX/XX/XXXX to accept or reject their mandate. 

We have an excellent credit rating ( XXXX ) and have never been late. We are now retired on a fixed income and I am approaching XXXX years old. This action by Chase seems illegal since we agreed to one APR and now they are changing it unilaterally. My question is can they do this? Could this be an example of age discrimination?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: GA

Complaint narrative:
XXXX  XXXX XXXX sold our mortgage to a collection agency. We have never missed a payment nor have we been late. We have automatic payment every XXXX of the month for the past 10 years. We did not receive any goodbye letter from XXXX XXXX XXXX or a welcome letter from the collection agency Carrington Mortgage Services , LLC . Within 10 days I have received 3 separate letters from Carrington LLC stated that I am 2 months behind. We went online and made 2 mortgage payments one for XXXX and one for XXXX. Then we called Carrington LLC the company could not tell us any information about our mortgage and why we were behind although we have receipts showing that we paid them. I went online and only read bad reviews about Carrington being a scam company reporting people to credit bureau and trying to foreclose on homes that were never late in payments. I need help. I am the little guy in this one and feel like I ma being duped.

Company response to consumer: Closed with explanation