vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-05-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: NJ

Complaint narrative:
My loans are currently being Serviced by AES, but they were previously with XXXX. During the time that my loans were with XXXX after my graduation in XXXX, they reported that my loans were delinquent whereby the original balance of {$24000.00} ( sub ) and {$10000.00} ( unsub ). While with XXXX, I was on a repayment plan. XXXX never advised that I had at least 4 deferment options on my account prior to listing my loans in default. I got on a repayment plan and was able to maintain great payment history. Since being on a repayment plan, my loans were transferred to AES on XX/XX/XXXX. It appeared to have two dates of transfer reported by XXXX, but the dates show the full amounts of the loans which may be inaccurate ( {$54000.00} on XX/XX/XXXX and {$44000.00} on XX/XX/XXXX ). My loan was only tranferred to AES once. Why is it showing multiple instances? When I called AES last week to understand my overall repayment and when I should be completed repayment, she advised in XXXX. How is this possible? Isn't this predatory lending? Before the default placed by XXXX, I only had about $ 30K remaining for repayment. I have been consistent on the repayment plan so my loans should not take me way into XXXX to pay off? The rep advised that if XXXX put me on a deferment that my loan repayment would have been paid in full by now and that they did not do a great job in servicing my account prior to them transferring the debt with them She also advised that there may be possible that my loan repayment was incorrectly applied to my account while with XXXX. To date, I have now paid {$110000.00} total, {$81000.00} principal and {$35000.00} interest and {$500.00} late fees which is nearly 3x the amount of the original debt. The rep advised that my loans may have been reported inaccurately as my account would have never been marked delinquent if they would have applied the deferment. My credit reports have experienced a great loss due to how XXXX handled my account and I wish to have part of my current loan marked as paid due to the negligence as to how XXXX handled my account before being transferred to AES. I should not have been in default nor my loans marked as delinquent and I wish to have resolution on this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A.
State: DC

Complaint narrative:
I have received daily phone calls from a company called XXXX XXXX , XXXX Their address is XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX , PA . They claim that I was paying on a debt that was being collected by a previous debt collection company, almost a decade ago. And that the other company went out of business without me having paid off the debt, which was originally owed to Citibank. I do not owe a debt to Citibank and have no memory of ever having an outstanding debt with Citibank. 

I sent a letter to XXXX XXXX informing them that I am disputing the debt. The letter was mailed as a Priority Certified mail parcel, XX/XX/XXXX and arrived to the post office in XXXX XX/XX/XXXX. So far the post office is saying that no one from XXXX XXXX has attempted to pick up the mailed letter. 
I believe this is intentional and that they are not picking up the letter, as then there would be evidence that they had received the dispute letter. I suspect that they will wait a significant period of time to retrieve the letter, so that they can claim that it was received outside of the 30 day window. 

Now they have started calling my wife in addition to calling me. 

The Account # XXXX XXXX assigned to me was XXXX, and they stated that the original account from Citibank was 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 2019-05-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Santander Consumer USA Holdings Inc.
State: FL

Complaint narrative:
Most importantly Ive never had credit and someone is using my social security because I keep getting alerts about things that I have no idea whats it about. School loans are already closed and they still show on my credit report. There is a car company asking me for money I dont owe anyone anything so how does this reflect on my credit. They said they will fix the problems and nothing is happening. I need someone to look into this XXXX XXXX XXXX is more than 7 years old from CT and its still showing on my credit report. I full complaints and nothing is being handled. I mail letters and call the credit agency I ask for fraud alerts and nothing is being done. How can someone keep using my social security. Please contact me email. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-23 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Associated Credit Services, Inc.
State: MA

Complaint narrative:
This collection agency claims that I owe them {$900.00} dollars, first they sent me a bill for the amount of {$65.00} dollars and told me that I had 30 days to dispute this debt. I don't owe this company any money because I do not know who they are, I sent a dispute letter to this company where I asked them to validate this debt because it looked strange to me, especially coming from a company that I know nothing about. They say that I had a balance with a company called XXXX XXXX co, I asked this company to validate the debt and to provide me any documents that they have with my signature on it or something that shows that I agreed to pay them. All they sent me is a piece of paper that shows a breakdown of how much it is they claim that I owe to them and they also sent me a bill. They never provided me a contract with my signature on it or anything.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-23 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: First Associates Loan Servicing LLC
State: OH

Complaint narrative:
Filed Chapter XXXX bankruptcy 2016 and was discharged. XXXX XXXX was included and was aware. XXXX XXXX  continued to contact me regarding making payments to the loan included to the bankruptcy. They have been receiving payments out of my account every month for {$50.00} and should not have been receiving it. Today, I spoke with XXXX, XXXX, and XXXX ( 2x ). XXXX would not transfer the call to the credit department. XXXX stated there wasnt a credit department, then once he got my information then he stated he would transfer me to the credit department. In which, I spoke with XXXX. Who stated that I still owed and that he received information from the US Bankruptcy Court that it was dismissed. At first XXXX acted as if he didnt know about the bankruptcy. He stated that they still illegally continue to collect the funds from my account. So I asked to be transferred to his supervisor and they had me on hold for 10 minutes. Then they sent me to a survey not the supervisor. I called right back, same process. I spoke with Supervisors XXXX XXXX ext XXXX and asked for a case number related to the bankruptcy case, attorney name, and phone number. It was provided. He stated that it will be escalated to the bankruptcy team and it should take 72 hours. Also, stated he will stop the autopay. I verified the account so they stop further payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-23 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Convergent Resources, Inc.
State: PA

Complaint narrative:
XXXX continues to send debt to different companies and placing derogatory remarks on my credit. This is tarnishing my credit. XXXX failed to comply with FCRA Guidelines. Continues to be non-compliant ; letters sent, no feedback.

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 2019-05-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: M&T BANK CORPORATION
State: PA

Complaint narrative:
M & T bank keeps calling my cell number demanding payment on a credit card for which Ive never had. In fact, Ive never ever done business with them. They are extremely rude & aggressive & I have asked them repeatedly to stop calling me & they will not stop. AND, my cell phone number is on a do not call list!

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 2019-05-23 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NJ

Complaint narrative:
Hi I have both HSBC Checking and saving account since last year. this year Before I want to close them on XX/XX/2019, I initiated the money transfer from XXXX XXXX Joint account with my wife to pull balance from HSBC. after the HSBC balance become XXXX, I closed both of my accounts. But XXXX XXXX returned the money back to HSBC as I log in XXXX XXXX using my wife 's access, even though it's a joint account. they said the name is not matched. the total balance of {$10000.00} was returned to HSBC on XX/XX/2019. I called XXXX back they are not able to allocate the balance so they have to return to HSBC.I have called HSBC customer service several times ( extension, they are denying they got the money because I already closed my accounts and kept saying XXXX XXXX   holds the money. i have double checked with XXXX XXXX, they are not holding this money.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-23 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
In XXXX I sought legal counsel and hired the XXXX XXXX XXXX  XXXX XXXX after having been served with a Civil Complaint by Midland Funding. I requested that my attorney verify the debt and, if verified, have her negotiate settlement of the debt to resolve the lawsuit. On XX/XX/2019 my attorney sent a letter to Midland Funding informing them that I was represented by her firm and served them with her XXXX form. Then, on XX/XX/2019 her office called and spoke with Midland requesting an extension of time to XX/XX/2019 to Answer the Complaint filed by them. Thereafter, a letter was sent memorializing that request. Since substituting in to represent me, my attorney has been in regular contact with Midland for settlement negotiations and has exchanged settlement offers with them. On XX/XX/2019 my attorney sent a letter requesting proof of the debt be provided her within three ( 3 )  business days, inclusive of the original contract and the last billing statement reflecting the final balance owed. In said letter my attorney pointed out that the Complaint had no relevance to prove the debt was in fact my obligation. That proof requested was never received. However, the following day, XX/XX/2019, my attorney received a letter from Midland stating that Midland was closing my account and ceasing collection actions against me. My attorney was in the process of responding to Midland to request a copy of the Dismissal, dismissing the lawsuit when I received correspondence directed to me at my home address from Midland. Along with their demand letter they served me with a copy of their Request for a Default Judgment and their intent to garnish my wages. When I told my attorney what I had received, my attorney sent a letter to Midland outlining their multiple violations of my rights, demanding sanctions and dismissal of the actions. Unfortunately, Midland is now ignoring my attorney and has refused to respond to her. Midland 's actions are egregious and should not go unpunished.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-23 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Diaz & Associates, Inc.
State: DE

Complaint narrative:
I am the recent victim of potential identity theft so I recieve alerts to my phone whenever there is a change to my credit report. I recieved a notification from Diaz and Associates that I owed {$780.00} from XXXX XXXX from XX/XX/XXXX. I promptly called Diaz and Associates because I had no recollection of the debt. The representative I spoke too immediately tried to get me to " settle '' the debt even-though when verifying my address they had me listed in XXXX not XXXX where I have resided for the last four years. When I disputed the debt and asked for it to be verified I was transferred to another gentlemen who wanted to argue with me and refused to verify the debt. He then claims a notice was sent out to me and that he could email me a verification of the debt on the spot, which I know is not appropriate because I would think he would be able to verify all of that with the original debtor. When I advised him that I will not be paying today and I would be filing a complaint, he responded, " I don't care file your complaint ''. Now my credit score has  dropped 20 points for a this debt that this company can not verify. In addition, they claim the debt is from XX/XX/XXXX but they are only now trying to contact me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Flagstar Bank, N.A.
State: MA

Complaint narrative:
a mortgage company called XXXX gave me a loan for an investment property. From XX/XX/XXXX until XX/XX/XXXX XXXX ( XXXX XXXX XXXX ) was paying escrow taxes to the wrong lot number for the condo I own. After 3 years I was notified by the town the condo is located in, that they put a lien on the property for non-payment of property tax. I called XXXX, they admitted fault and paid all of {$4000.00} owed to the town taxing authorities. XXXX  then started to charge me thru additional mortgage charges to get the tax money they paid to the town. XXXX  said that they would charge me until all of the {$4000.00} was paid to them and if I did not pay, it would affect my credit and they would repo the property. I complained and called them once a week. XXXX sold the loan to FLAGSTAR bank. I explained the problem with XXXX to the new holder of the loan FLAGSTAR, but they just kept charging me extra on my payment until my escrow is down to negative {$1200.00} Both XXXX  and now FLAGSTAR owe me {$2800.00} that I was charged by extra payment on my loan by raising my mortgage payment. I am being robbed and threatened that if I don't pay, this bank will ruin my credit and foreclose on the property. I have called both banks NUMEROUS times and they say they will investigate and nothing happens.

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 2019-05-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I keep getting harassing phone calls on my home phone XXXX XXXX and XXXX my home phone is unlisted and im surprise that they got my number my name is XXXX XXXX address XXXX XXXX XXXX XXXX XXXX XXXX ny XXXX my social XXXX i keep getting calls repeatedly from american express legal department their phone number is XXXX XXXX XXXX they keep calling me saying that i owe rhem money i told them that dont own anything and they have the wrong XXXX XXXX i have a common name .when i tried to blook my number they still call me on my phone also my home was was unlisted and they still got my number illegally and still harrass me different times of the day calling me from different telephone numbers. One on my kids gots nervous and stated to cry my XXXX years old daughter they ask her personal questions about me. I told them several times they have wrong person. Please tell them to stop calling me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: NC

Complaint narrative:
NewRez recently took over XXXX XXXX. They did an escrow analysis on XX/XX/XXXX, and I had a surplus of {$1100.00} which they sent me a check for. However, in that same analysis, they increased my payment from {$1700.00} to {$1800.00}. That made no sense, but I accepted this. Then, not even a month later, they did another escrow analysis on XX/XX/XXXX in which they stated my monthly PMI payment of {$80.00} which they always have and is the correct, normal amount. But then they also have a new " USDA Rural Housing '' line that is a 1-time payment in XX/XX/XXXX for {$970.00}. I have a USDA loan, but I have no annual item due to them, only the monthly PMI. If you were to divide $ XXXX/12 months, you would find that the answer is {$80.00}, which is my monthly PMI. So they are anticipating my PMI on a monthly basis, then charging my escrow account once per annum, in affect anticipating it twice. This caused a shortage, of course, and my payment has jumped to {$1900.00} when NOTHING has changed. So for 2 months ( XXXX and XXXX ) I've paid an overage of {$120.00}. I called NewRez 4 times over the past 3 months to get another analysis done because they made an error, and I was told several answers : It was part of my property tax ( incorrect ), it was part of a USDA tax ( no such thing ), I was told it would be done within a week and that person would call me to follow up ( that never happened, nor did I receive a call ), and I also got forwarded to a supervisor at my request which went straight to a voicemail that was full and couldn't receive messaged and then hung up on. This was after waiting 45min for the customer service rep to answer in the first place. This company is awful and should not be able to hold my money XXXX for months ( or a year ) at a time for their mistake

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-23 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
In XXXX I sought legal counsel and hired the Law Office of XXXX XXXX after having been served with a Civil Complaint by XXXX XXXX. I requested that my attorney verify the debt and, if verified, have her negotiate settlement of the debt to resolve the lawsuit. On XX/XX/2019 my attorney sent a letter to XXXX XXXX informing them that I was represented by her firm and served them with her Substitution-of-Attorney form. Then, on XX/XX/2019 her office called and spoke with XXXX requesting an extension of time to XX/XX/2019 to Answer the Complaint filed by them. Thereafter, a letter was sent memorializing that request. Since substituting in to represent me, my attorney has been in regular contact with XXXX for settlement negotiations and has exchanged settlement offers with them. On XX/XX/2019 my attorney sent a letter requesting proof of the debt be provided her within three ( 3 ) business days, inclusive of the original contract and the last billing statement reflecting the final balance owed. In said letter my attorney pointed out that the Complaint had no relevance to prove the debt was in fact my obligation. That proof requested was never received. However, the following day, XX/XX/2019, my attorney received a letter from XXXX stating that XXXX was closing my account and ceasing collection actions against me. My attorney was in the process of responding to XXXX to request a copy of the Dismissal, dismissing the lawsuit when I received correspondence directed to me at my home address from XXXX. Along with their demand letter they served me with a copy of their Request for a Default Judgment and their intent to garnish my wages. When I told my attorney what I had received, my attorney sent a letter to XXXX outlining their multiple violations of my rights, demanding sanctions and dismissal of the actions. Unfortunately, XXXX is now ignoring my attorney and has refused to respond to her. XXXX 's actions are egregious and should not go unpunished.

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 2019-05-23 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: Nelnet, Inc.
State: GU

Complaint narrative:
I'm a resident of XXXX paying my student loans through Nelnet. XXXX is XXXX on the other side of the International Date Line. XXXX our XX/XX/XXXX is XX/XX/XXXX for most of the day stateside. Nelnet advertises that they deduct their payments on the 1st of the month which is true stateside, however on XXXX that translates to the XXXX or XXXX 

I had sufficient funds in my account on XX/XX/XXXX, however since their debit attempt for {$470.00} occurred on the XXXX, the transfer was denied and I was hit with a {$25.00} NSF fee. 

Nelnet needs to make allowances for clients on the other side of IDL and adjust their practices accordingly. They also need to credit my account for {$25.00} since it was their mistake. 

Nelnet denies all responsibility and refuses to adjust their practices so that their debits occur on the XXXX of the month for every customer.

Company response to consumer: Closed with explanation