vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-04-04 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker — 
Company: Home Loan Center, Inc.
State: NY

Complaint narrative:
About Lending Tree that collected debts on my account and help me to fined a lender mortgage for my home loan.as a know Lending Tree was collecting debts and fine the lender mortgage to finance my loan.But now the Lending Tree was lost contact and connections regarding to my housing loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-08 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
TODAYS DATE:XX/XX/XXXX XXXX SOC SEC XXXX XXXX DOB XX/XX/XXXX ADDRESS XXXX, FL XXXX Equifax XXXX, GA XXXX XXXX, Texas XXXX XXXX, PA XXXX XXXX. 


I recently submitted a request for investigation of an Acct Number : XXXX I 've submitted enough information regarding the fraudulent account that 's open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your XXXX system you would have noticed that this account is not mine which your companies have claimed to " Verified ''. Since you 've obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in XXXX, XXXX ( XXXX ), and XXXX, Equifax et, the courts ruled each and every time that the CRA could n't merely " Parrot '' information from the creditors and collection agencies ... that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the XXXX system that does n't even contain my reasons for the dispute is not reasonable. 

If you do n't initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which I 'm sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 


XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX, FL XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-01 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Specialized Loan Servicing Holdings LLC
State: NC

Complaint narrative:
I have been slightly overpaying on my SLS mortgage ( just a few dollars a month ) since it was sold from XXXX to SLS. For quite sometime SLS could not give me access to my account online ( I filed an official complaint with them last month, to which they finally " fixed it '' ). But now when I can see my transaction history, instead of crediting my " extra principal '' to pay down my loan, they have been allocating these extra payments to " late fee '' -- not at all reducing my principal. I am sending them a complaint as well, but they are horribly non-responsive and I believe this could be a systemic issue given it appears to be done automatically all the time.

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 2015-06-16 00:00:00
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: Revenue Cycle Management
State: NH

Complaint narrative:
Over the course of 3 years ranging from when I was XXXX - XXXX years old, I had multiple visits to a Medical Office where I was seen. Undenounced to me these visits were not paid in full by my Mother or Father which were my legal Guardians at the time. The unpaid visits were sent to a Collection Agency in an attempt to collect. The Collection Agency placed the past due debts under my name/ social security number with information on paperwork they shows I was under the age of XXXX at the time of the visits. Unknowingly I paid these debts off in full thinking they were for something else. The Collection Agency is offering to refund my money, but, only after I informed them of this situation years after it began.

Company response to consumer: Untimely response
Consumer complaint received 2017-04-05 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Robinson, Reagan and Young PLLC
State: TX

Complaint narrative:
The collector is actively trying to collect on a debt in which the last activity was in XX/XX/2012. As a resident of the State of Texas, the statute of limitations on debt is four ( 4 ) years. In addition, I contacted the collector and asked for debt verification that met the standards of the Fair Debt Collection Practices. The collector only provided a " balance due '' statement with none of the characteristics that qualify under debt verification standards. 

I have subsequently sent another letter to the collector via certified mail, return receipt requested, informing them their response did not meet the requirements. I asked the debt be removed. I also notified them they are trying to collect a debt past the statute of limitation. 

As a " Law Firm '' standards exist for ethical behavior that include knowing the laws of the States in which they practice. They know, or should know, the statue of limitations in the State of Texas.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't get flexible payment options
Company: AES/PHEAA
State: FL

Complaint narrative:
I have Federal and Non-Federal loans being held by American Educational Services. I had affordable payments of {$23.00}. Then, I went into forbearance. Now, my payments are {$100.00}. The bill was dated XX/XX/2017. I just received an email today informing I owed a balance. When I look at the account, it is showing delinquent. I have gone round and round with this company. Both, my husband and I lost our jobs. There is no money to pay this bill. I can make a monthly payment of {$5.00} ( as it states on their site as a suitable minimum ). If they put me in forbearance the only thing that is going to happen is in 6 months to a year, my payments are going to shoot back up to {$100.00} or even more. I do n't have the income to make these payments. And, this company and XXXX have not worked with me to get me on affordable payments, inspite of my attempts to explain my financial situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: AES/PHEAA
State: LA

Complaint narrative:
I forget to renew my income based repayment, so I have a 30 day missed payment on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-01 00:00:00
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: NAM National Arbitration and Mediation
State: MD

Complaint narrative:
Some place called ADR GROUP keeps calling harassing me telling me I owe money from a payday loan from 2010 and that is I do n't pay it I will be arrested. They have not sent me a bill or any information concerning the debt. However I did pay them XXXX $ for 4 weeks because I was scared because they kept threatening me. They have even called my family telling them I owe money and that they are looking for me & they need statements from them.

Company response to consumer: Untimely response
Consumer complaint received 2016-12-22 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated an attorney or official
Company: Weinman Acquisition Group
State: TX

Complaint narrative:
I received a voicemail from a woman claiming to be a " legal courier for the county. '' She claimed to have attempted to serve me legal documents at my residence and place of employment, which has not happened. She also claimed that she must surrender the documents as a refusal to sign and that I missed my court appearance, and I was to contact the filing party at the same phone number she called me from, which leads me to believe she is not who she claims to be.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-05 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc.
State: MO

Complaint narrative:
I had a car loan with Chrysler Capital for my XXXX that was involved in a total loss accident XX/XX/XXXX. I had full coverage and gap insurance that paid out on this vehicle to Chrysler capital. There was also a refund for disability insurance that was paid to Chrysler capital as well. I released my title to XXXX insurance company, as requested. Now, Chrysler capital is stating I owe them {$5600.00} due to late charges and payments that were added to the back end of the loan. I spoke with my gap insurance and they explained that they paid out based on the paperwork that they received from Chrysler capital and it sounds like to them Chrysler capital is trying to charge interest for the time of the contract which would have ended in XXXX, and that is not legal. Even if it was calculated for late payments or deferring payments, that would be no more than $ 2000.00.So I am asking for the amount that they say is still owed, to be investigated? I also have attached XXXX which is Gaps payment breakdown, based on what Chrysler Capital sent them.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-13 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: DYNAMIC RECOVERY SERVICES, INC.
State: TX

Complaint narrative:
The company Dynamic Recovery Solutions has placed a collection on my credit report and also calling me everyday. It says that it is a collection from XXXX XXXX hospital from 2008. This the XXXX that I 've heard of this. They swear that it 's me, but it 's not. There are 3 other people in this city that have the same name as I. They do n't even have the correct address for me and I 've been in my same house for over 15 years.

Company response to consumer: Untimely response
Consumer complaint received 2017-04-07 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: VW Credit
State: NE

Complaint narrative:
VW Credit of America CAN NOT resolve their system upgrade issues they had few months ago and they consistently say that I am {$0.00} past due even that I over pay by about a dollar or 2 every month. I have made every effort and talked to supervisors to resolve but I am not getting anywhere. If you look at the attached statements, you will see that i overpay what is being asked from me and yet consistently I get {$010.00} tacked on as PAST DUE. This is not right and they need to fix it. So, I need your help to have them look into my account. 
Thank you

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-03-10 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
please find attached the FTC application along with the dispute letter, the mentioned account are fraudulent and or mixed information from someone with the same name or a similar name that has been entered incorrectly under my name. please remove these expired ( past statue of limitation ) accounts from m y records which are destroying my credit. 
thank you

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 2017-03-26 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I disputed my XXXX account ( XXXX ) with Experian, due to the fact that the account has reached its seven years and should be removed from my credit report. Experian claimed they verified the account but did not provide me with a date the account was paid and closed, which is not showing on my credit report. This means they are in 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 explanation
Consumer complaint received 2017-03-07 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I found that my information was combined with another person 's on my Experian credit report, so I contacted Experian and filed a dispute about the incorrect information. However, Experian refused to correct their mistakes : there 's another person 's name on my file, and there 's still an adverse account that does n't belong to me listed on my credit report. I DO N'T recognize the other person 's name, NEVER had that account, and my credit reports from XXXX and XXXX do n't have such nonsense. I 've contacted Experian OVER XXXX times and wasted too much time because of this nonsense.

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 2017-03-17 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I have told Trans Union numerous times that they are reporting XXXX inaccurate, it is not currently 30 days late and that this account has been paid off for more than 3 years. Please see reporting below, the status should appear as paid and not delinquent. 

Account Number XXXX Condition Closed Responsibility Individual Current Balance XXXX Original Balance XXXX Limit XXXX Monthly Payment XXXX Last Payment XXXX Status 30 days late ( this should say paid ) Loan Term 72 Loan Type Auto Loan Opened XXXX Reported XXXX Remarks Dispute resolved ; customer disagrees Creditor Information XXXX XXXX , GA XXXX Phone # : 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 2017-03-26 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: ALLY FINANCIAL INC.
State: IN

Complaint narrative:
When I ended my car lease, the car was inspected. It has been determined by Ally that there was excess wear. The charge was for {$180.00} plus {$12.00} sales/use Tax on Maximum Early Excess Mileage and Wear Charge Total of {$190.00}. ( we did not use all of our miles ). First of all, I believe that it is illegal in Indiana to charge sales tax on labor. Secondly, I have disputed the issue of multiple scratches and the bumper cover excess charges. I believe that this is retailitory measure action taken by Ally against the dealer because they have changed financial institutions for their leasing agreements. In addition, I believe that Ally my be attempting to take advantage of unknowlegeable senior citizens. As of XX/XX/2017, I am paying this disputed charge under duress, I do not want them to be able to endanger my credit score, and I hope that this complaint will provide financial reimbusment.

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 2017-03-23 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
Chase Bank refuses to send a debit card to my address of record in retaliation for filing a previous complaint lodged against a branch manager at a XXXX, Washington office. The XXXX branch manager had refused opening a checking account based on my race : He did not accept the reality there were XXXX living in former XXXX only areas. 

Its banking representatives offer excuses rather than solutions. Back on XX/XX/2017, there was a bank request for a debit card with a seven to ten day estimated time of arrival. It did n't arrive by regular postal mail by XX/XX/2017, so it was necessary to call telephone banking to resolve the issue ; especially, since the building of residence has controlled access points, and the personal mailbox key belongs to the bank account holder. After speaking with XXXX customer service representatives by telephone, neither of whom were willing to provide any written documentation regarding the debit card, it was necessary to visit the local branch office. 

On XX/XX/2017, the helpful branch manager at the XXXX, Washington location ordered another card by XXXX 2 day expedited delivery with an expected arrival date of Monday, XX/XX/2017. The debit card never arrived. It was necessary to contact telephone banking services on both XXXX and XX/XX/2017 and express dissatisfaction with customer service because someone had intercepted the bank card during transit. A banking representative person in charge first stated the bank did not re-send the debit card to the address on record because of the account was less than 30 days old and it was bank policy not to send XXXX cards to the same address. When told neither the first nor the second bank arrived to the address on record, another banking representative claimed there was a change in address and the bank not be able to send a debit card for thirty days. I adamantly demanded to know who placed account restrictions and for what reasons because someone had internally flagged it ; in addition, I demanded to know what party made an unauthorized change of address without either my knowledge or consent because since I had made none. Then it was necessary to tell the banking representative person in charge that Chase bank will not send a debit card to my home address of record because it was participating in racial discrimination. 

Although both XXXX and XXXX have validated the address on file with Chase, the bank still refuses to send the debit card because of a previous negative encounter with the XXXX branch manager who made an internal complaint flagging the account for suspicion of fraudulent activity based on his claim the address on file was not valid. The branch manager had acted in a vindictive manner in retaliation for filing a formal complaint of racial discrimination with Chase executive offices.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-18 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: CA

Complaint narrative:
To whom concerned : I received paperwork from Ditech Mortgage my Homeowners/Hazard Insurance for property XXXX ( account number XXXX ) was expired or cancelled dated XXXX. I have no Insurance Escrow on this house and have been paying this Insurance since the mid 90 's. The enclosed current Bill statement from XXXX dated XXXX shows a prior balance of {$600.00} and a current balance of {$550.00}. The next Insurance payment will be {$58.00} due XXXX. Policy coverage on Bill statement is from XXXX to XXXX. I have no record of XXXX cancelling or policy expiring. I also have enclosed current Insurance Policy, Number XXXX showing current protection for XXXX. I am writing this letter to your Bureau today- XXXX and will be faxing the proof of Insurance ( Hazard ) and current XXXX Insurance Bill along with sending these Certified Mail XXXX to Ditech . I also sent you ( CFPB ), Ditech 's letter stating Hazard Insurance expired and/or cancelled. Ditech explains in letter that I have 45 days from XXXX to send them required proof of insurance. I will send you ( CFPB ), Certified Tracking Number after mailing subject paperwork to Ditech. I am informing you prematurely since Ditech as not officially assumed responsibility of paying Insurance. 
Respectfully I want to Thank You for your assistance and professionalism that you have provided, clarifying confusion and error in a ever changing mortgage world.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-24 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: I.C. System, Inc.
State: MI

Complaint narrative:
XXXX said I owed XXXX to their company for services. I have never had XXXX XXXX.. I had this account removed from my credit bureau. They have since sold the account two other times to different collection companies who in turn keep putting this as a collection account on my credit reports

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 2017-02-18 00:00:00
Product: Credit card — 
Issue: Payoff process — 
Company: PNC Bank N.A.
State: NJ

Complaint narrative:
Had taken {$1100.00} Cash Advance from PNC credit card on XX/XX/XXXX and am wanting to refund it in full today on XX/XX/XXXX.However, have been told to pay full amount outstanding as of today i.e {$2100.00}, though my next Statement balance is due XX/XX/XXXX for only {$560.00} and the other balance amount will be due only XX/XX/XXXX. Blatant malpractice, not allowing consumer to pay in full the cash advance portion only merely 10 days after it being taken. Why can not PNC apply my payment towards the cash advance and want me to pay full balance of over $ 2k two months in advance to apply {$1100.00} of Cash Advance loan? Its malpractice and a fraud! Please do help!

Company response to consumer: Closed
Consumer complaint received 2017-03-13 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Freedom Mortgage Company
State: IL

Complaint narrative:
Freedom Mortgage will not remove our PMI even though our LTV is below the 78 % required amount. We call and call, we get hung up on when supposedly being transferred. We do n't know where to turn.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-27 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Equifax Credit is reporting an account for XXXX with a balance of {$5100.00} and account number XXXX. This information does not belong to me. I have contacted XXXX and they have no recollection of this. Please remove from my credit report immediately.

Company response to consumer: Closed with non-monetary relief