vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-02-28 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ECMC GROUP, INC.
State: FL

Complaint narrative:
I went to XXXX College in XXXX AZ for a trial time. I did not complete my classes there and was told that I they were a new school for XXXX  and XXXX  and they were introducing a non traditional platform for people that did not want to go to a big college.I decided not to go to this school because they were getting sued and we also found out that credits could not be transferred because they had the incorrect staff teaching classes. I opted out of continuing to go to this school. I did sign paperwork acknowledging I was a trial student ( is what they told me and hundreds of other students ) All of a sudden I am getting garnished years later. I called the collection place ECMC to dispute this and they did nothing for me. I am not able to find any documents because i have moved and around a lot since my attendance with XXXX college. So many other students are fighting this debt too. ECMC was not able to show me what i signed but they are saying I owe XXXX. I have attached some news on the school as well XXXX XXXX XXXX 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 2019-02-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC
State: CT

Complaint narrative:
Round Point Mortgage keeps charging us the wrong amount for our town taxes, they are stating the town is at fault. Our local town clerk has all of the documentation they have send the correct tax information year over year. They raised our mortgage said we where not paying enough into our escrow account, then said we are paying to much lowered our mortgage and gave us an escrow refund check, now again they are saying we under payed and have raised our monthly payment over {$300.00} a month. They also stated our PMI was falling off in XXXX now they are telling us XXXX even thought they have documentation our the previous customer service person stating it should be falling off in XXXX. Our mortgage this year went from XXXX to XXXX which we can not afford to pay they offered to spread out the shortage over 24 months to help lower the payment. My concern is whats going to happen next year? They overcharged us thousands for taxes one year even though the town mill rate proved we would not need to pay that much in tax, will they falsely raise our taxes again next year? We will no longer be able to afford our mortgage. With the increase this year we can barely make payments already. what are our options we need help. 

thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Hey CFPB, Today I'm sending a message to you guys in regards in removing an inaccurate/Duplicate inquiry from XXXX XXXX. I received a copy of my credit report and found that my credit report was pulled twice on the same day ( XX/XX/XXXX ), which is an error. It was pulled Twice from my Experian credit bureau. From my understanding of CFPB, you guys will recheck the items with the creditor who has posted them. 



Also, on XX/XX/XXXX, my credit report was also pulled as well. Please have the XXXX XXXX ( the creditor ) recheck the item. 

If you need any information or verifying who I am, feel free to call me at ( 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 2019-02-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: ACIMA CREDIT, LLC
State: IN

Complaint narrative:
On XX/XX/2019 I went to XXXX XXXX XXXX XXXX XXXX located on XXXX XXXX XXXX, XXXX IN XXXX their phone number is XXXX XXXX, I was shopping for bedroom furniture, I saw a headboard, night stand and dresser I liked it was listed for {$690.00} cash, the sales man who I believe owns the store advised me there was an option for financing option, I just had to fill out an online application if i had a checking account, I filled out the application I was approved for {$750.00} financing. 

I tried paying {$50.00} down payment with a XXXX card it was rejected my girlfriend was with me, the man then said if u can pay {$63.00} to him he will use his card we did that, deal was closed I picked up my furniture, he said since I took financing option my total was going to be {$820.00}, he gave me a receipt for that same amount I still have it, to my surprise a week later I received an email from the Acima finance company stating my total was {$1800.00} with bi-weekly payments of $ XXXX tax it says, this is predatory lending these terms where never discussed, there was never a loan estimate provided, Ican provide copies of receipts and the email I received at your request

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-28 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
I have some voluntary dismissed chapter XXXX bankruptcy 7 years ago. Equifax continues to report it after seven years. They have publicly stated thru a printed article by a spokesman that they changed the report of these types of bankruptcies from 10 years to 7 years. I file a dispute and never heard back from them. I called to follow up and was told its 10 years regardless what their spokesman 's public comments. I asked for a floor supervisor and he just parrotted the same thing. I then ask to be transferred to his supervisor which he did and it told me I had to leave a message and a supervisor would call me back within twenty-four hours. After waiting more than twenty-four hours I haven't heard from them and no longer expected them to as I think its just a stall tactic. The two other Credit Bureaus no longer report them and I have more than a 100 point increase in my score with both of them. They also only show half of my positive credit whereby the other two report my credit lines/loans history completely. I've been denied credit because of their inaccurate reporting. I seek relief thru your organization first, but hopefully, I won't have to file a legal action. In an email, Equifax spokeswoman XXXX XXXX wrote that the company had recently modified the length of time for how long a dismissed Chapter XXXX bankruptcy remains on file. Under the new policy, she wrote, Equifax removes the flag for a Chapter XXXX bankruptcy after seven years, regardless of the outcome. 
https : //wwwXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc.
State: FL

Complaint narrative:
I've been avidly paying {$420.00} for a car since XX/XX/2015, I believe to have already paid it off but somehow it says the car is still worth almost over XXXX. No one will trade my car in because I owe to much and it's not worth even XXXX anymore. I went to another auto dealer to see if I could get some help refinancing, and they advised I was paying 21 % in the beginning which is what i was not signed up for. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: NY

Complaint narrative:
After many attempts over a three year period to get Shellpoint mortgage to either accept a short sale or foreclose, I was finally able to get them to foreclose. The foreclosure sale was held onXX/XX/2018 in XXXX, New York. XXXX XXXX Trustee for XXXX XXXX XXXX had the highest bid and purchased the property for {$80000.00}. 

The principal balance owed on the Mortgage was {$69000.00}. 

Shellpoint Mortgage did not ask for any of the servicing fees above the principal balance to be paid. New York State gives them 180 days to begin collection for these fees. Shellpoint has marked the mortgage as repaid on the credit reporting system with a XXXX balance owed. 

I am attaching a copy of my last Mortgage statement that shows principal balance and fees. 

I am attaching a copy of the Referee 's Deed recorded that shows the purchase of the property at the foreclosure sale in the amount of {$80000.00}.

I received a 1099-C for 2018 that states the amount of debt discharged is {$60000.00} and Fair Market Value of the property as {$20000.00}. The fair market value of the property should reflect the amount the property transferred in the amount of {$80000.00}. 

I am attaching a copy of the1099-c received.

I have repeatedly tried to contact someone at Shellpoint for a corrected 1099-C and they do not return my calls, email or mail. I am at a loss to get this corrected. Additionally they have yet to send me a final accounting of the foreclosure action. 

I would very much like to get the 1099-c corrected and the final statement for the foreclosure action.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-28 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: AES/PHEAA
State: NY

Complaint narrative:
Ok what happened is i had my accounts with fedloan servicing someway somehow they lost my correct contact info to send me my letters about loans, every year ive made sure to do a forbearance and of all years 2018 income taxes be completely swiped and im still having hardships and may face an eviction if my rent not paid, lights cutt off etc etc all due to an clerical error in not updating my address so my entire XXXX income tax check was taken as in offset. This was not my fault at all but im facing the consequence. And ive made a complaint with another agency and they were abled to see the clerical error where my address from XXXX XXXX was switched to my new address then again to my old address and that should not have been. So when the nrs was trying to contact me they did not have the correct address on file I NEED MY INCOME TAXES BACK PLEASE I HAVE NO INCOME AT THE MOMENT.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-28 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Mandarich Law Group, LLP
State: NY

Complaint narrative:
This is an improper mailing of court documents issue. The Debt collector physically served legal documents without an envelope to third parties on XX/XX/2019. All of my information was exposed to everyone who handled the documents, the person who was physically given the documents and everyone in their household as well

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
Called to cancel my American Express card. Was told by the representative that my annual fee would be waived if I cancelled, but then was informed that I would lose my companion passes if I did so. So, I did not cancel at that time XXXX read : he was able to " save the account '' ). Then, when I called to cancel today, I was informed that I was one day outside of my window and I would be required to pay the fee. When I was on the phone with the first representative, he never informed me that I had a specific window to close the account without penalty. I am convinced he did so to save his numbers and not get dinged for a lost card.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-02-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FCI Lender Services Inc.
State: SC

Complaint narrative:
In XX/XX/XXXX, I contacted the CFPB about a problem I was having with my mortgage servicing company, FCI Financial Services , Inc., XXXX, Ca.My loan had been modified, but, the loan statement never was updated.In XX/XX/XXXX, the CFPB got a letter from FCI stating that the loan had been reworked and I was to continue paying new balance of {>= $1,000,000} to be paid in full by XX/XX/XXXX.In XXXX of XXXX, I was going to pay my monthly payment on FCI website.When I navigated to their website, I was astonished to find that the loan had never been changed.I have a copy of the letter from FCI stating the loan amount is $ XXXX.I tried to discuss with FCI, but, I never got anywhere with their collection department.I had a XXXX XXXX in XXXX of XXXX.I was ready to pay off loan, but, had to change directions.Now, I have the money topay off the {$18000.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-28 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: PNC Bank N.A.
State: FL

Complaint narrative:
I closed on a Home Equity Loan with PNC in XXXX of 2018. I have made extra payment towards the principal using the process I was advised to use when speaking to a PNC representative. I was advised to use the online transfer method and schedule it as reoccurring. Instead of applying the payments to principal, they've been applying them to interest. I've spoken to PNC on 4 occasions in an attempt to have the payments reapplied. Each time I'm told that they will correct the error but it will take a few days. Each time I call back and the issue has not been resolved. Because they are incorrectly applying the payments, they are showing my account as past due. I've asked twice for a print out of my account transactions. Both times I've been told that they'll send it but I haven't not received it. I'd like my payments applied correctly and to confirm that they have not been reporting my account as past due to the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NCC Business Services, Inc.
State: PA

Complaint narrative:
I currently have an account of {$280.00} owed to NCC business services. This account is in collections from an apartment complex called XXXX XXXX XXXX in South Carolina. The account was placed into collections in XX/XX/2018. I have never lived in South Carolina and have owned a home for the past three years. I am not renting an apartment. I have spoken to both the XXXX XXXX and the collection agency and have not been able to resolve this.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-28 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Outsource Group, Inc
State: SC

Complaint narrative:
I contacted company to have removed because the bill is not correct. I asked for documentation validating charges but they weren't able to provide any. I asked that this account be removed off your credit report because the fair credit reporting act states they must supply me with an agreement between myself and creditor and they have failed to do so and i do not owe the bill.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-28 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION

Complaint narrative:
XXXX Subject : SCAM/FRAUD Dear CFPB Complaints Department, I wish to lodge and official complaint agains XXXX XXXX & Bank of Amercia who did not return my funds or respond to my letters, Fax or E-Mails. 

I am the victim of SCAM/Fraud XXXX USD IRS & XXXX USD for opending my bank account. The following persons were involved. 

XXXX XXXX XXXX, Compliance Mgr XXXX XXXX XXXX XXXX XXXX XXXX, Attorney XXXX XXXX XXXX XXXX XXXX, Attorney XXXX XXXX   Partners E-mail : XXXX ( This may not be legitimate ). 
E-Mail : XXXX Given Address most likely not ligitmate as my post was returned " unknown at this address ''. 

XXXX XXXX XXXX XXXX XXXX XXXX New York XXXX Tel or Fax XXXX XXXX XXXX XXXX Tel. XXXX XXXX XXXX XXXX ( Always busy irrelevant of when I call ). 
Tel. XXXX XXXX XXXX XXXX I have left many messages but no response. 
They did have a web page but this has since disappeared! 

The only address I found the Internet for XXXX XXXX XXXX was dated 2017 It is uncertain if XXXX XXXX XXXX really exist? 

Name : XXXX XXXX XXXX Email : XXXX Organization : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, Florida XXXX. 

XXXX XXXX XXXX, New York Regulatory Office ( XXXX ) E-mail : XXXX XXXX XXXX XXXX, IRS International Audit Department E-Mail : IRS.gov.us International Audits Please be informed that I still have once again been unable to contact you on any of the numbers below. 
XXXX XXXX Tel XXXX XXXX XXXX XXXX Tel XXXX XXXX XXXX XXXX I also left many messages on their answerphone but no response! 

I have requested my bank XXXX XXXX XXXX XXXX on

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-28 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: Navient Solutions, LLC.
State: TX

Complaint narrative:
I have called Navient many times after XXXX discharged this issue on the complaint XXXX. Last contact date to Navient was XX/XX/XXXX. They refuse to remove the late payments and Navient stated I would have to call the credit bureaus to have it removed. Navient discharged the  fraudulent account on XXXX and then sold the accounts to XXXX  in which I had to have this issue discharged with XXXX.XXXX resold it back to Navient. This issue is bouncing around after I notify them of fraud. Lastly, Navient new of this matter and they still have the discharge information from when I notified them and left the account on my profile. This matter shows currently open on my XXXX report as well as 120-180 late payments. Navient has not furnished me a promissory note to show proof of the said debt. I want the late payments removed and the accounts of debt.There are a total of 6 accounts : STUDENT LOANS DEPT OF ED/NAVIENTNeeds Attention Last reported : XX/XX/XXXX {$7800.00} 120+ Days Late DEPT OF ED/NAVIENTNeeds Attention Last reported : XX/XX/XXXX {$5800.00} 120+ Days Late DEPT OF ED/NAVIENTNeeds Attention Last reported : XX/XX/XXXX {$5100.00} 120+ Days Late DEPT OF ED/NAVIENTNeeds Attention Last reported : XX/XX/XXXX {$4500.00} 120+ Days Late DEPT OF ED/NAVIENTNeeds Attention Last reported : XX/XX/XXXX {$3900.00} 120+ Days Late DEPT OF ED/NAVIENTNeeds Attention Last reported : XX/XX/XXXX {$2100.00} 120+ Days Late The account was closed but still, show late payments from my complaint : XXXX. I wish to have it removed along with late payments. 
XXXX {$13000.00} Closed Overview You've paid off -34 % of your student loan amount. 
Balance {$13000.00} Highest Balance {$10000.00} Monthly payment {$0.00} Opened Unknown Term months Payment History Youve made 86 % of payments for this account on time. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Last payment -- Current Payment Status In Collections/Charge-off Worst Payment Status No Info Account Details Account status Closed Type Education Loan Responsibility Individual Remarks Consumer disputes this account information Collection account Fixed rate Times 30/60/90 days late I mailed the Affidavit of truth and fact notarized on XX/XX/XXXX, copy of drivers license and social security card, the official police report # XXXX XXXX and federal trade commission identity theft report # XXXX. After they deleted it, it appears that they sold the debt to XXXX ( XXXX XXXX XXXX XXXX ) Account # : XXXX. I faxed the information to that company onXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: FL

Complaint narrative:
My home was devestated by hurricane Michael in XX/XX/XXXX. In XX/XX/XXXX, I overnighted the insurance check in the amount of {$24000.00} to Ditech along with an overnight return envelope ( as instructed by Ditech ). After some confusion as to what the balance for the mortgage payoff was, it was determined to be between {$3000.00} and {$4000.00}. I was told it would take 14-16 business days to receive a check for the approximate {$20000.00} remaining after the mortgage was paid in full. This is the money to fix my home so that I have somewhere to live. I am XXXX and cant affort to continue my trustee payments and pay for additional housing. After numberous phone calls to Ditech that always end with no definitive answers, I did receive ( postmark XX/XX/XXXX ) my title to the mobile home which was dated XX/XX/XXXX. I have made at least 6 phone calls to Ditech since early XXXX when I received the title, all of which I asked to speak with a manager, and they have given several different reasons for the delay, including that accounts were frozen because of the company filing for chapter XXXX bankruptcy. No one returns calls or knows what any other department is doing. Yesterday I was told that the check was mailed to me on XX/XX/XXXX??? They didnt send it in the prepaid addresses overnight envelope that they requested so I cant track it. Now they would have to reissue the check and that would take 14 more business days. Why could they not tell me that it had been mailed when I called ... all the times I called? I think they are trying to buy more time and this has taken long enough! Ive read several other complaints about Ditech filed here with your agancy and it seems that further investigation is certainly warranted!

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation