vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-10-08 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: SC

Complaint narrative:
I have an outstanding debt in collections I noticed on my XXXX XXXX statement. The company claims that I owed for an apartment when I was never on the lease and the address that they are claiming i owe money to is wrong. The apartment has reached out to me in response and said there is no record of owing anything. This lease is not legitimate because I am not on the lease and the address is wrong and there is no record of me owing debt from the apartment complex.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-08 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: Amsher Collection Services, Inc.
State: OH

Complaint narrative:
XX/XX/2018 at XXXX XXXX. I contacted Amsher Collection Services about a past due account, We agreed upon a settlement amount with the conclusion that they were to send me a letter stating a {$0.00} balance and that it is to be removed from my credit. Although they tried to get me to pay the full amount AFTER agreeing to pay the settlement amount of {$760.00}, To date XX/XX/2018I have not received the letter. I contacted them again XX/XX/2018 and was told to email the supervisor XXXX, I have emailed twice, and once through their website this morning ( XX/XX/XXXX ), and called again on XX/XX/2018 at XXXX. Today ( XX/XX/XXXX ) I was told during a phone conversation that the manager just came in and once they opened their email they would respond to my emails, again they have failed to respond. Every time I have called in I have been notified that all calls are recorded so someone needs to go back and listen to their calls

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-08 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: TX

Complaint narrative:
I have 8 student loans thats serviced by XXXX. I have been living at the same address for the past 5 years and XXXX never mailed me anything about my deferment was ending and now they are reporting 5 of the 8 accounts are 90 days late. Tried to resolve over the phone agent stated she would retroactive forbearance since I never received any mailings and they did have the wrong email address. I emailed XXXX XXXX XXXX  and they told me to dispute with credit reporting agencies. So now have I disputed with agencies and cfpb, I want 90 lates removed at once, XXXX is wrong.

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 2018-10-08 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: TX

Complaint narrative:
I have 8 student loans thats serviced by XXXX. I have been living at the same address for the past 5 years and XXXX never mailed me anything about my deferment was ending and now they are reporting 5 of the 8 accounts are 90 days late. Tried to resolve over the phone agent stated she would retroactive forbearance since I never received any mailings and they did have the wrong email address. I emailed XXXX advocate department and they told me to dispute with credit reporting agencies. So now have I disputed with agencies and cfpb, I want 90 lates removed at once, XXXX is wrong.

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 2018-10-08 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Weinberg Mediation Group LLC
State: VA

Complaint narrative:
Received a call and voicemail XX/XX/2018. They left the following message : '' This is a final courtesy call from the Weinberg mediation group. Before reporting that you've been uncooperative in the investigation against you. If we do not hear from either yourself or your legal representation today. We will be left with no recourse other than to report your non-compliance in this issue to the proper jurisdiction. Our office number is XXXX. Again that's XXXX. Thank you. Good day '' I have never received any correspondence from this group and did not return phone call due to the unknown. Did not know if they were a legitimate company. However, their tactics are inappropriate.

Company response to consumer: Untimely response
Consumer complaint received 2018-10-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Nicholas Financial Inc.
State: NC

Complaint narrative:
I receive harassing phone calls from Nicholas Financials XXXX XXXX, NC branch. I have received today alone 10 calls from XXXX between the hours of XXXX and XXXX regarding my car note being 30 days past due. This is absolutely insane. The employee 's call but do not leave a voicemail.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-08 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: AMERICAN HONDA FINANCE CORP
State: NV

Complaint narrative:
We filed Bankruptcy XX/XX/2018 due to a large lawsuit against us. Prior to that we had very good FICO scores and we pay our debts on time NO Later payments. We reaffirm our loan with Honda Financial Services and now the account is completely missing from the credit report ; but we are still making payments and not getting the credit. I spoke to Honda Financial Services and said it is a new thing there doing for those who filed a BK. Is this legal not to report payment history?? When we have a loan with them? 

Please help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I least a vehicle going back in XX/XX/XXXX They claim I had left a balance of {$550.00} and I requested documentations and I never received it I filed a dispute with trans union and with XXXX XXXX services to remove my derogatory Item on my credit report I requested document ations from them why they claim I owe them {$550.00} but with no success they never sent me out any documentation regarding that charge

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 2018-10-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXX client XXXX XXXX is a victim of identity theft ; his information was used without his consent to apply for several credit lines. While these application failed the process resulted in fraudulent inquiries into his credit reports. While reviewing an Experian credit report an inquiry was found with XXXX XXXX XX/XX/2018 that was an unauthorized transaction. An official dispute of this activity was mailed to XXXX XXXX to have this information removed. While a clearance letter dated XX/XX/2018 was received and confirmed the inquiry was going to be removed at a future date, a review of a credit report ordered XX/XX/2018 still lists the XXXX XXXX information be Experian. This is a violation of the FCRA.

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 2018-10-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
It has been well over 15 days since I have spoken to someone in the Fraud Department at BOA. Last Thursday - I got a phone call from a person of BOA - Stating there is still nothing they can do. 

After myself I am reaching out to XXXX and XXXX XXXX to find out if anyone else has noticed fraud activity with these accounts money is being sent to - Both banks are requesting XXXX XXXX   from BOA. They are not responding to any type of phone calls or emails regarding my claims.

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 2018-10-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: FIRSTBANK PUERTO RICO
State: TX

Complaint narrative:
This is a car loan with First Bank of Puerto Rico. On XX/XX/2012 I paid the entire debt. The bank gave me the title of ownership of the Vehicle. On XX/XX/2018 The bank updates the information in my credit report indicating that there is a balance of {$1700.00}. This incorrect information adversely affects my score.

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 2018-10-08 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: AMERICAN HONDA FINANCE CORP
State: NY

Complaint narrative:
I least a vehicle going back in XX/XX/XXXX They claim I had left a balance of {$550.00} and I requested documentations and I never received it I filed a dispute with XXXX XXXX and with Honda financial services to remove my derogatory Item on my credit report I requested document ations from them why they claim I owe them {$550.00} but with no success they never sent me out any documentation regarding that charge

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: AMERICAN HONDA FINANCE CORP
State: AZ

Complaint narrative:
Lender : American Honda Financial Compliant : not applying additional principle payments properly Account # : XXXX. 
Product:XX/XX/XXXX ACCORD. 
XXXX : XXXX My normal payment are scheduled around the XXXX of the month for approx. {$540.00}, I pay {$650.00}. For this payment they apply the extra principle correctly. 
But, around the first of the month I pay {$750.00} or more, payment from my XXXX XXXX bill pay. I notice for this payment they are applying interest to future payment that I will never have. 
I asked them to correct the payment to principle only. On my request they would only correct the last six extra principle payments. They are stating because I didn't send principle payment to a different address they will not correct the extra principle payment for the whole term. The loan started in XX/XX/2017. I have requested with top managers at Honda Finance and they will not correct. 
I understand math and incurred interest. I know the way they are taking interest out of my principle payment before applying to interest will generate additional interest they are not entitled too ... .I believe this is illegal. Whether I mail to one address or the other ... .additional payment needs to be applied correctly, even more so when the customer catches their error and demands it be corrected. 

Please help - Thank you - XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
I have a lone through Navient this loan is a XXXX XXXX XXXX. The loan is over {$100000.00} Even though the loan is in my name my son pays it monthly. he can only afford to pay the very minimum which is {$680.00} monthly. He has been steadily paying for two years. The loan keeps going up. Last year in XX/XX/XXXX it was at {$100000.00}. Now it is up to the {$100000.00}. This is completely insane. The loan is now almost double what his actually education cost. At this rate he will never be able to pay it off. We are looking to resolve this. There needs to be a light at the end of the tunnel. In two years he has paid {$16000.00}. When my son signed applied for the school we were told we had to apply for a XXXX XXXX XXXX to assist with the cost of the school. I had know idea that it would be this costly. This is a racket. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
A raiz del huracan maria comenzamos a tener inconvenientes con los pagos, Recibimos una llamada la cual nos ofrecen un programa de nombre Feddie MAC Disaster program, aceptamos los acuerdos, al tiempo estabamos consientes de los atrasos siempre nos mantuvimos haciendo pagos y en comunicacion con citimortgage, Me asignan una consultora de nombre Kristal Madero para ayudarnos con la cuenta asesoria de como poner nuestra cuenta cuenta al corrriente. En el transcurso del tiempo me asignan otra consultora de nombre Diana Orozco esta nos ofrece la posibilidad de hacer una modificacion la cual aceptamos, pero cuando llegan los documentos por correo y leimos bien de que consistia esta modificacion la declinamos era algo que iba en contra de todo lo que hemos pagado durante todos estos anos, Luego de eso la senora diana nos ofrece una extesion de pago donde de los 5 meses de atraso le pagariamos 3 y los 2 restantes irian al final del prestamo, ella me indica que me va a enviar los documentos por fax los recibi el dia 17 de Septiembre los firme y los devolvi por fax tengo prueba de confirmacion, mantengo comunicacion llame el 24 de septiempre 2018 para ver si recibieron los documentos y una persona del servicio al cliente me atendio de nombre Karina esta persona fue grosera e el telefono no podia darme ninguna explicacion de como iba mi caso y tambien me indica que no a recibido nada de mis documentos se los envie de nuevo esa tarde. Le pedi hablar con un supervisor y de manera sinica me dijo que la unica persona que me podia ayudar solo hablaba ingles, escuche como se reia en el telefono y me mantuvo en espera sobre una hora y munutos, Me indico que la senora Diana orozco no podia atenderme hasta Octubre 2 2018, Desde el 17 de septiembre hasta octubre 2 eran ya mas dias contando y ellos no me daban respuestas envie los 3 pagos como me indicaron. Hoy 8 de Octubre les digo como va mi situacion ellos me asignaron otro consultor lo cual me indica como cliente la falta de orientacion y ineptitud de esta compania, La persona que tiene mi caso se llama e;l Sr Matthew Seitz con numero de telefono 1-877-245-2511 ext 0475289 hoy 8 de octubre 2018 hable con el a las 12:30 y me indico que mi extension fue negada no tan solo eso ocurre en mi cuenta cuando hago pagos no los anaden a la cuenta pienso que algun tipo de fraude estan incuriendo tengo estados de cuenta que asi lo confirman necesito ayuda. Gracias

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 2018-10-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: NC

Complaint narrative:
My name is XXXX XXXX XXXX my mother and grandmother purchased a home with my mother in XX/XX/XXXX my mother later died without having a will which I am also an only child. It was my understanding when I talked with my attorney that there could not be any loans on this house unless I myself signed off on the loans. In XX/XX/XXXX my grandmother was told by the same company and bank XXXX that she could put a Loan on the home which I still remained to have both her name and my mothers name on the deed to this house at XXXX XXXX  XXXX XXXX XXXX, NC XXXX. My grandmothers home was paid off in full at the time of my mothers passing. I am her only heir she was never married this loan was given and my grandmother and myself was taken advantage of One was given two loans with the same year of each other which she is unaware of the second loan all together. She has paid over {$200000.00} back for a loan her daughters death paid in full for. She had setup automatic draft payments to have this money taken out of her banking account and now Im being told on the maturity month she needs to have {$32000.00} more because she made the payments late. How would payments be made late if theyre being taken out on auto draft! Im very concerned not just for her which she is retired and have really been taken advantage of from the beginning. The loan was originally through with XXXX it has been transferred several times with the same checking account information they have drafted the money every month now that this loan last payment is transferred to bay view its been told she owes interest for having late payments I spoke with them last year about this loan and it was advised the last payment would be XX/XX/XXXX of this year. Loan number XXXX. Theres a home equity on the house the same thing occurred where my grandmother was told she didnt have to ask or get my permission on getting the loans it was hers my rights and her rights were violated. Another loan is with XXXX XXXX XXXX loan number XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-08 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: AES/PHEAA
State: CA

Complaint narrative:
American Education Services , INC, has serviced my consolidated loans, which prior was XXXX XXXX XXXX. The lower interest rate offer is for direct payment XXXX from an authorized checking account since XX/XX/XXXX and after a year of on-time payments the percentage rate was decreased to 3 %. From XX/XX/XXXX-XX/XX/XXXX there has been automatic on-time payments. I traveled for my brothers wedding in XX/XX/XXXX where an unauthorized transaction caused my account to overdraw and my overdraft protection did not cover. I made the payment as soon as I was made aware of the situation 22 days later and called AES Inc. The account was reflected as up to date and current. They continued to draw payments from my account. My XX/XX/XXXX statement shows that my rate went from 3 % to 4 %. When I called AES, they would not discuss my rate being returned to the 3 % rate and offered to send me a copy of the promissory note. The promissory note did not show the original terms of the agreement. They have increased my rate without an explanation and exact verbiage to show that the rate would increase. The letters they showed me does not discuss the details only an increased rate to 4 %.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
On XX/XX/2018, I was notified of a fraud alert on my Visa card issued by Capital One. The card was subsequently cancelled and a new one issued by the card issuer. When I received the new care, on XX/XX/2018, I went to go update the new card number with a number of merchants that I do business with that have my card stored as an auto pay. 

At this time I discovered the existence of something called " Visa Account Updater '' which is a program by which the updated number is transmitted to some merchants who have signed various agreements with Visa. As a person who is deeply concerned with data security and protection, this program disturbs me and I want to opt out of it. 

Capital One informed me that it was the responsibility of Visa. Visa informed me that the only way to opt out of it was through Capital One. I went round and round back and forth with them, until I was able to get a Capital One agent to call Visa with me. And then the Visa account rep said they would connect us to the person who was responsible for processing the opt-out, and ... connected us to the Capital One general services line! 

I did additional research and found that there are many card issuers who DO process Opt-Outs from the Visa Account Update program. But Capital One does not.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-08 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Vehicle was repossessed or sold the vehicle — 
Company: Santander Consumer USA Holdings Inc.
State: TX

Complaint narrative:
I got a call from a bill collector stating I owe money and will need to pay or will be going to court to be sued. XXXX XXXX XXXX was his name as he stated. He was working for XXXX XXXX XXXX XXXX. Was calling about a Car that I co-signed for and needed to pay the difference which was XXXX. I was in shocked since I have not received any paper work on this. This car was repoed about 5 years ago. I'm guessing due to it was not in my possession. He then said I was being recorded and that I was be summon over the Phone. I'm in a Wow now. He new all my personal info also. then he said he can see if I could do a 10 % pay off and that everything else will be a tax write off. That 10 % pay off would have been {$1300.00}. So I did some research and was not sure if this was true or not. They called again today and I said I am reporting this to Consumer finance.gov will see what happens. The phone # is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Equifax XXXX & XXXX have added fraud alerts to my credit report without my requesting it. This is a violation of FCRA regulations. Without my phone number this alert is useless and it was never requested or given ...

Company response to consumer: Closed with explanation