vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-06-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I called Experian to explained that I have 36 inquiries on my Credit Report and I did not apply for Credit at any of these companies. I spoke to the Fraud Department on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/2018. I sent an email to the President of Experian explaining that I did not make these inquiries and I have a fraud alert placed on my account. 
I also have a Collection Account that I know nothing about. XXXX XXXX XXXX and/or XXXXXXXX XXXX XXXXXXXX that does not belong to me. This should also be removed.

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 2018-06-21 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: TekCollect Inc.
State: IL

Complaint narrative:
I contacted XXXX XXXX on XX/XX/XXXX regarding a debt they are reporting as owed for XXXX  XXXX College ( XXXX ). I informed them that the debt was too old to still be reporting on my credit report. Representative XXXX XXXX advised me that they were considering the date of last activity to be in XX/XX/XXXX as I filed a bankruptcy which was later dismissed. I informed him that his understanding of the requirements for the date of last activity were mistaken, and that a bankruptcy filing that was later dismissed in no way extends the reporting time. He claimed that although the date they had listed for the debt was XX/XX/XXXX, they would continue to use my XX/XX/XXXX bankruptcy filing as the date of last activity for reporting purposes. 


Account History : I originally registered for classes with XXXX on XX/XX/XXXX. I then entered into a payment plan on XX/XX/XXXX and made a {$93.00} payment that same day. According to XXXX 's records, it appears that I modified the payment plan on XX/XX/XXXX. There is no indication of any charges/payment arrangements on XX/XX/XXXX as XXXX XXXX alleges. Either way, it has now been greater than seven ( 7 ) years since the date of last activity, which should rightfully be XX/XX/XXXX.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-21 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: NJ

Complaint narrative:
Several years ago, we were granted a loan mod by Bayview Loan, who are servicing our XXXX XXXX XXXX mortgage. There have been no issues inasmuch as we have never missed or been late with a payment. But suddenly, in true form, theyve decided that our loan mod is no longer viable! No reason! If you check your database, youll see that I started reporting my findings about XXXX many years ago, and my findings were accurate inasmuch as the CFPB fined them. ( For which Ive received no restitution from their fine. ) Now Im dealing with Bayview, and here we go with their shenanigans. HELP!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc.
State: LA

Complaint narrative:
After receiving a copy of my 3 bureau credit report in XX/XX/XXXX, I noticed that Pro Collect was reporting a balance of {$1000.00}. I am unfamiliar with this company so I reached out to them in hopes to get some clarity on this alleged amount due. During the call I was told that they are a third part and have been collecting on the account since XX/XX/XXXX. I requested, both in writing and verbally, a copy of the contract and /or validation of this account on XX/XX/XXXX and have yet to receive either. 
The presence of this account has made it difficult for me to obtain even the smallest amount of credit and has caused a great strain on my lifestyle. I also disputed this account directly with the 3 CB 's and they came back verified. I requested the name and documents used to verify this account well over 30 days ago. According to the FCRA it must be deleted from all reporting entities. I am requesting that Pro Collect comply with FCRA, 15 U.S.C under Section 611 ( a ) ( 5 ) ( A ) ( i ) and delete this account immediately.

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 2018-06-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BBVA FINANCIAL CORPORATION
State: TX

Complaint narrative:
There is already a pending complaint regarding this transaction. The bank has assessed me yet another fee on top of the last fee I complained about - which should've never been assessed in the first place. 

See the attached PDF. According to my balance history, when XXXX tried to debit {$64.00} on XX/XX/2018, my balance was XXXX. 

Instead of allowing the debit to occur, the bank rejected it and then assessed a {$38.00} NSF fee. 

I tried to resolve this with the bank directly and they claimed I'd already received two " courtesy '' refund of bank fees.. 

The problem is those fees were caused by a transaction I didn't approve, and subsequently disputed. Thus, those were not " courtesy '' refunds. They were necessary. And when that dispute is completed, I anticipate getting back 2 more {$35.00} overdraft fees from BBVA. 

But regarding this particular complaint, per the attached, you can see the bank assessed yet another {$38.00} NSF fee on top of the first one, which should've never happened in the first place.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-21 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: LDF Holdings, LLC
State: SD

Complaint narrative:
I applied for a short term loan on XX/XX/XXXX through an online website for XXXX XXXX. I did not receive any details about the loan but the money was credited for {$600.00}. I am still not able to view the online loan agreement and have requested but never received any copy. 

I requested that XXXX revoke my ACH agreement and that my payment of {$150.00} be applied and a balance owing be provided so I may payoff any balance minus that payment. When I click on my loan agreement online I am redirected to another lender - XXXX XXXX XXXXXXXX but nothing appears except an error message. I get the feeling they are misrepresenting who they are. Neither XXXX XXXX or XXXX  appear to be licensed in South Dakota. 

The online account screen shows I still owe 13 more payments of {$150.00}. That would make a total repayment {$2100.00}. That is nowhere close to the cap of 36 % I expected. 

I can not get them to revoke the ACH or provide me with a payoff except for the full amount. I sent a revoke letter again on XX/XX/2018 along with a request to payoff and was told I had to pay the full amount to payoff and they were not able to revoke the payments through ACH. 

Please help me address my concerns about this lender and reach a resolution that is legal and fair.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Santander Consumer USA Holdings Inc.
State: CT

Complaint narrative:
There is a lot more but all documentation is in my lawyer 's hands. 
I can sure provide copy and much more details if needed this has been going on for over a year now and at least 6 months since my initial call to the bank. 

Santander has been the subject of other lawsuits. My complaint appears to be similar. I've been paying the loan for over 3 years. Around XX/XX/XXXX strange things started to happen to my account, which I noticed around XX/XX/XXXX. None of ALL the payments I made in that period, went towards the principal of the loan. 100 % of each payment ( around XXXX $ / month ) went towards the interest with the obvious consequence that the payoff amount didn't go down XXXX cent. Countless calls never answered, a proof of a contract requested ( other than the paperwork I have from the car dealer ) was never produced and also my lawyer never received anything. On top of that instead of answering, I received a threat they would repossess my car if I didn't pay XXXX . I agreed to pay XXXX $ and another XXXX next Friday. will this solve? They say my account is still past due which is what they want so payments will only go towards interest. One day they say I'm current and the next I'm past due for XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-21 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
The company in question is Experian. There is an inaccurate item that has been on my credit report that I have been struggling to have removed for years. I finally get XXXX  and XXXX to investigate and the item can not be verified because it is not mine. XXXX and XXXX  properly remove the item from my report! But Experian does a so called investigation that lasts over 45 days and they somehow come back and say the item was verified! As is my right in Texas I ask for the name and contact number for the person who verified the information at XXXX XXXX. Experian tells me they DO NOT have to provide me with that information. They expect me to believe they really did an investigation when they did not! It makes no sense that the other 2 credit bureaus remove the item because it can't be verified but Experian somehow magically verifies it but won't tell me how they did it! I

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 2018-06-21 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: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX/XXXX, ACCOUNT NO.XXXX IS REPORTING ON MY EQUIFAX CREDIT FILE.I HAVE NEVER ORDERED XXXX , NEVER RECEIVED THE CARD, NEVER USED THE CARD, AND NEVER RECEIVED ANY MERCHANDISE.THE OPENING OF THIS CARD IN MY NAME IS ENTIRELY FRAUDULENT.IT IS IMPOSSIBLE TO DEBT VALIDATE AS IT HAS NOTHING TO DO WITH ME.PLEASE FINE THE BUREAU IF THEY DO NOT REMOVE THIS ACCOUNT.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-21 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Monarch Recovery Holdings, Inc.
State: CA

Complaint narrative:
Monarch Recovery XXXX Calls and messages have used extremely abusive tactics. One agent claimed to be a law office and said they had repeatedly sent communications to my address that were not responded to, so they were going to file with the local courthouse ( not named ). This was false. Yesterday an agent claimed they were from a local courier agency ( not named ) and that they were required to show up to both my employer and my home that day. Of course, nobody came.There have been repeated calls to my mother, grandmother, my mom 's ex husband, and my ex husband. One agent revealed my financial information including the amount of the debt to the family members they have called.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: OH

Complaint narrative:
I understand with FHA loans. After 6 years PMI can be dropped. They will not drop it. My house appraised at {$220000.00}. I owe {$120000.00}. I have never been late and never missed a payment. They will not remove my PMI can you help get this removed?

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 2018-06-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
For 10 yrs I have been paying weekly mortgage pymts : the amount due plus extra principle ( see numbers below ). 

My pymt : $ XXXX/week x 52 weeks/yr = $ XXXX/yr / 12 months = {$970.00} per month. 

Amount due : $ XXXX/month I recd a call from Huntington Bank XXXX ( Spoke to XXXX XXXX ) stating that " as of XX/XX/2018 Huntington no longer accepts partial payments '' and that my account was over due $ XXXX {$25.00} late fee and that my weekly pymts were not being applied but being held in a " suspension '' account posting once per month. I believe this is unethical ( lazy ) behavior and that weekly pymts are protected by the consumer protection laws. By not applying the weekly payments the bank is : 1 ) Holding consumer money for their own benefit.

2 ) Causing financial harm to the mortgage holder because the principal is paid down slower and adding more days of paid interest ( i.e. more revenue to the bank ). 

The banks should be posting the weekly payments " as received '' to allow for responsible home owners to pay down their mortgage faster with less interest expense. 
The representative also said she would re-send the letter that was mailed in XX/XX/2018. I open all my mail and have no letter, email or message on Huntington website login. I'm fairly confident that no communication was ever sent.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-06-21 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Navient Solutions, LLC.
State: NM

Complaint narrative:
The company is called XXXX XXXX XXXX and the associated phone number is XXXX XXXX XXXX XXXX. 

The person name is XXXX and she has called many third party contacts in regards to my account. The following below is who she have contacted : XXXX my neighbor on XX/XX/XXXX XXXX my mother on XX/XX/XXXX My employees at our help desk on XX/XX/XXXX The phone calls are excessive to the rate of each hour.

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 2018-06-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: One Source Technology
State: TX

Complaint narrative:
on my consumer report there is only 1 item and it is 30 years old iam requesting that it be removed ... charge was XX/XX/1996 22years old XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, tx. 
XXXX XXXX XXXX XXXX XXXX DOB : XX/XX/XXXX Height : XXXX '' Weight : XXXX lbs Hair : XXXX Eyes : XXXX Alias ( es ) : XXXX XXXX XXXX - DOB : XXXX XXXX XXXX XXXX - DOB : XXXX XXXX XXXX XXXX - DOB : XXXX CASE SUMMARY Case # File Date Court Type Case Disposition Disposition Date XXXX n/a COMBINED n/a n/a Offense ( s ) Offense Date Level Offense Disposition Disposition Date XXXX XXXX XXXX XXXX XXXX XXXX n/a XXXX CONVICTED - LESSER CHARGE XX/XX/1996 CASE DETAILS Supplemental Information : Originating Agency : XXXX XXXX PD Case Notes : CAUSE NUMBER : XXXX OFFENSE - XXXX XXXX/ XXXX XXXX XXXX XXXX ( XXXX ) DEGREE : XXXX Sentence/Fine Information Sentence Date : XX/XX/1996 Note : AGENCY : XXXX Supplemental Information Statute : 38.15 ( a ) Code : XXXX  Date XXXX : XX/XX/1996 Plea : XXXX Process Information Trial : Offense : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Plea : XXXX Disposition : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-21 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: CA

Complaint narrative:
In XX/XX/XXXX, I received a letter from XXXX XXXX indicating the total number of qualifying payments going toward my PSLF. This number is a complete MISCALCULATION. I called them immediately and asked them to review my file and they said to wait for the manual review. From XX/XX/XXXX-XX/XX/XXXX, I had contacted them 6 times asking for updates/status on the review process and every time they indicated that indeed it's still under review. Then, on XX/XX/XXXX, I talked to this rep who stated that my file was actually not under review and he will start the process for me. He did know why the previous reps told me that my file was under review. Then, from XX/XX/XXXX to present, I have contacted XXXX XXXX 5 times to ask for updates/status on the review process. Again every time, they say it's under review. I specifically asked to speak to their manager each time. I also suggested them to look at my file and they all agreed with the miscalculations, but stated that they can not do anything except to wait for the manual review to be completed. I have waited and waited. It has been over 1 year since this whole process started. I still haven't heard anything from XXXX. I'm frustrated that this whole process has taken this long and that the reps were giving false information to the borrowers. Please help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC.
State: MI

Complaint narrative:
According to the NSLDS data provided by the Department of Education, I took out my first student loan in XX/XX/XXXX for {$350.00}. I took out my second student loan in XX/XX/XXXX for {$550.00}. And then in XX/XX/XXXX, I took out an {$11000.00} consolidation loan. There is no identifying information about that loan. There is no school listed. And I was not attending school in XX/XX/XXXX ( to my recollection ). Most of the other loans listed have a school code and identifying information. This one does not. And the two prior loans for a total of {$900.00} do not add up to an {$11000.00} consolidation loan. In the last complaint, you sent me original loan documents from XX/XX/XXXX. Please provide the original loan documentation for this consolidation loan from XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-21 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Financial Asset Management Systems Inc
State: GA

Complaint narrative:
REPEATED ROBO CALLS FROM FAM ( FINANCIAL ASSET MANAGEMENT ) FROM THEIR NUMBER XXXX CLAIMING SOME DEBT REGARDING SOCIAL SECURITY YADDA YADDA. PLEASE STOP THESE SCAMMERS AND THIEVES.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-21 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Frontline Asset Strategies, LLC
State: CA

Complaint narrative:
Frontline Asset Strategies has contacted me multiple times, including XX/XX/XXXX and XX/XX/XXXX, regarding an alleged debt. I have requested three times in writing that Frontline provide the account number name and address of the creditor and verification that they repre4sent the alleged creditor and are authorized to communicate with me.

Frontline has refused to provide the requested information. In addition, the company 's website is fake.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-21 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Big Picture Loans, LLC
State: SD

Complaint narrative:
I applied for a short term loan on XX/XX/XXXX through an online website for Big Picture Loans. I did  not receive any details about the loan but the money was credited for {$1200.00}. I am still not able to view the online loan agreement and have requested but never received any copy. 

I requested that Big Picture Loans revoke my ACH agreement and that my payments of {$980.00} be applied and a balance owing be provided so I may payoff any balance minus that payment. 

The online account screen shows I still owe 4 more payments of {$490.00}. That would make a total repayment {$2900.00}. That is nowhere close to the cap of 36 % I expected.

I can not get them to revoke the ACH or provide me with a payoff except for the full amount. I sent a revoke letter again on XX/XX/XXXX along with a request to payoff and was told I had to pay the full amount to payoff and they were not able to revoke the payments through ACH. When I spoke to customer service they said my payoff, which included the payments I have already made is based on the interest rate of 490 % and they can charge that because they are a tribal lender and not subject to state or federal laws. I do not live on the reservation in Michigan, I am a resident of XX/XX/XXXX I had no idea they would be able to charge almost 500 % interest. Is that legal anywhere? 

Please help me address my concerns about this lender and reach a resolution that is legal and fair.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-21 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
On XX/XX/XXXX I faxexd over my request for dispute with Equifax for the following accounts, XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX. As of today 's date, XX/XX/XXXX, I have yet to receive any correspondence from them in regard to the results of the investigation. It is well over the 30 days allotted for the investigation to be started, completed and results sent back to me. They didn't respond in 30 days!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I submitted a dispute for inaccurate history on XXXX XXXX account. XXXX XXXX did not provide proof of the " late payment history '' however the information stayed on my credit report.

Company response to consumer: Closed with explanation