vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-03-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA
State: NY

Complaint narrative:
It all started in XXXX XXXX. I had been paying my student loans on timely since XXXX, I had never missed a payment. I had not missed a payment because I had my student loan setup through XXXX as an automatic reoccurring payment. Sometime in XXXX I logged in through my AES account and saw that I could save an additional .25 % on my loan if I setup the automatic debit through AES. That XXXX I went ahead and tried setting up the automatic debit. As to not pay the loan twice in one month, I cancelled my reoccurring payments through XXXX. The payment was not accepted in XXXX. When I got the email alert I called and spoke with AES customer service. They told me to try again, that there must have been an error. I set this up again and tried again the following month. The same thing happened, some sort of error. Again I called AES and they told me the same thing, to try again, to make sure the account numbers were correct and to try for the next month. I specifically asked if I needed to make a payment, I also asked if there would be a penalty and both questions were answered with a no. Finally I believe in the third month we linked the accounts. Before the success, I spoke with AES on the phone about 4-5 times, every time I was assured that my account was in good standing. After the first automatic debit I logged into my AES account, and I noticed that instead of my rate dropping .25 %, it had increased by over 1 full percentage point. I was horrified. I called AES and they told me I was part of a benefit borrowers program for paying timely. I lost that benefit when I missed a payment. I told them my story, specifically asking them to listen to the recorded conversations I had with their agents. I have not missed a payment since. My husband and I exchanged an email after getting off the phone with AES telling each other that we were, as per the agent, in good standing with no penalties? This email exchange is time stamped from XX/XX/XXXX. When I sent an email to AES, they said I could not talk to the lending bank, that I could only send an email with my concerns. I tried on two occasions, both times I was not awarded my original fixed rate. I feel like I was setup. I had a great fixed rate of 3.5 % and was trying to reduce this to 3.25 %, instead I was setup, told misinformation from their representatives all while trying to link my account and instead ended up with a 4.75 % rate and with the awarded .25 % for the automatic debit I am now at a fixed 4.5 %.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: CA

Complaint narrative:
MY WIFE WHO IS XXXX HAD HER XXXX BENEFITS STOP XX/XX/XXXX AND HAD TO RE-CERTIFY FOR BENEFITS WHICH TOOK ALMOST 1 YEAR AND CAUSED US TO DEFAULT ON OUR HOME LOAN. WE HAVE A SALE DATE OF XX/XX/XXXX PennyMac Loan Servicing has illegally foreclosed on our home pending sale date is XX/XX/XXXX. We applied for a modification XX/XX/XXXX, we were told that all documents were received and we would hear from them. Then we received letters from PennyMac showing an auction date of XX/XX/XXXX. We were horrified and saddened at the same as we were seeking help to save our home of almost 13 years. We were also under the impression that foreclosure proceeding should be suspended during the modification process. We contacted a Real Estate to list the property for sale. Comps in our area were showing sales for similar properties at $ 700,000k+ but we listed at {$680000.00} aggressively to sell ASAP and obtain a small equity to relocate. We contacted PennyMac for a payoff and was told {$610000.00}. This amount was fabricated to ensure we could not get any equity from the sale since 6 % would go to selling process.

PennyMac denied that offer and 2 additional offers. PennyMac had offered a short sale option and deed in lieu in XX/XX/XXXX. In XXXX, we dropped the price to $ XXXX, got an offer for {$640000.00} which PennyMac denied because they said the home was evaluated at {$650000.00} ... .We found this out XX/XX/XXXX last Friday and that was our last hope ... SALE DATE XX/XX/XXXX. WE CURRENTLY HAVE A VALID OFFER BUT PENNYMAC STILL WILL NOT CANCEL THE SALE ... WE NEED TIME TO SELL THE HOME. PENNYMAC USED ILLEGAL AND FRAUDULENT PRACTICES TO SELL OUR HOME. PLEASE HELP US.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-13 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
This complaint is regarding account XXXX XXXX XXXX, which you claim I opened a credit account on XX/XX/2018 for {$350.00}. This is a formal notice that your claim is disputed. 
I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. 
Please also be aware that any negative mark found on my credit reports ( including Experian, XXXX   and XXXX ) from your company or any company that you represent, for a debt that I dont owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. 
Failure to respond within 30 days of receipt of this certified letter may result in small claims legal action against your company.

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 2019-03-13 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
credit company ( XXXX ) will not remove this and the opening date is incorrect name : XXXX XXXX date opened : XX/XX/XXXX balance date : XX/XX/XXXX balance amount : XXXX status : closed Credit company ( Experian ) will not remove this old account, this account is closed but they have it listed as opened. 
name : XXXX date opened : XX/XX/XXXX balance date : XX/XX/XXXX pass due amount : XXXX balance amaount : XXXX  1.Credit company ( XXXX ) will not remove this old account delinquencies name : first premier date opened:XX/XX/XXXX balance date:XX/XX/XXXX account status : as agreed 2.Credit company ( XX/XX/XXXX ) will not remove this old account delinquencies name : XXXX XXXX date opened : XX/XX/XXXX balance date:XX/XX/XXXX account status : as agreed

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 2019-03-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
This complaint is regarding account XXXX XXXX, which you claim I opened a credit account on XX/XX/2013 for {$500.00}. This is a formal notice that your claim is disputed. 
I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. 
Please also be aware that any negative mark found on my credit reports ( including Experian, XXXX and XXXX ) from your company or any company that you represent, for a debt that I dont owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. 
Failure to respond within 30 days of receipt of this certified letter may result in small claims legal action against your company.

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 2019-03-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
I receive a notification that I would be charged an annual fee on my next billing statement. I called to have the fee waived or cancel the card. The rep explained BofA 's stance and that they will not waive the fee., I asked to cancel the card and the rep explained that I would still be charged the fee because I have an open balance. I don't understand how that is fair, if I am not taking advantage of any of the cards specials.

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 2019-03-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: M&T BANK CORPORATION

Complaint narrative:
I purchased a condo on XX/XX/XXXX in XXXX XXXX NY with my late husband. the mortgage for {$120000.00} was done through XXXX XXXX XXXX XXXX for {$690.00} monthly. 
I have continued to pay this directly from my XXXX account monthly. 

I currently live in XXXX and received a letter dated XX/XX/XXXX ( received XX/XX/XXXX ) from M & T Bank that my mortgage was 50 days late and I owed over {$5100.00} ( this does not compute with my monthly payments of {$690.00} ) and I was risk of foreclosure. 

I called at XXXX XXXX EST on XX/XX/XXXX to discuss this issue and was told I WAS NOT AUTHORIZED ON THE ACCOUNT. the letter was addressed only to me not my late husband and the mortgage was in both name but i was repeatedly told I was not authorized. During all 3 conversations I had with M & T they stated that inorder for me to be authorized to be on my own mortgage I was required to fax my late husbands death certificate and probate documents wait 5 business days and then call back in to find out if they would then speak to me. that they would not contact me at any time to tell me they did or did not have all the information required. 
When trying to contact XXXX XXXX XXXX XXXX I found out M & T has taken over all of XXXX XXXX XXXX. my mortgage payments have been accepted each month to my XXXX XXXX account. 
I spoke to M & T 3x with the last call taking place at XXXX XXXX est ( XXXX XXXX AEST ) requesting that the supervisor XXXX XXXX to look on the XXXX County Clerk website to show that I was on the mortgage. He refused and stated even if he was to see that he was would still not be authorized to speak to me because I was not on the mortgage. At that point I stated I would be reporting M & T actions to the NYS Attorney General office referred me to the CFPB do to the level of this issue.

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 2019-03-13 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
XXXX XXXX Credit Card decreased my credit card credit limit from {$1000.00} to {$300.00} I had nearly paid the credit card balance leaving a {$200.00} balance on my account. when I check my credit report they decreased the account without my knowledge Damaging my credit ratio which means to the credit reports I owe 80 % of the credit card balance. this damaged my credit report score lowering my credit score even more when I had paid the balance off practically to get my credit score back on track,

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 2019-03-13 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
XXXX  and XXXX  credit bureau 's along with the Original Creditors have been reporting negative information at least 2 years on 3 accounts in my credit files.The accounts were investigated and deleted from XXXX XXXX in XX/XX/XXXX while the other CRA 's refused to remove the erroneous items after numerous rounds with them and the suppliers of the information. I sent numerous FCRA 611 and 623 certified letters with either no response or with little documentation to warrant reporting of the items in violation of the FCRA for both the CRA 's and Original creditors. Yet, they continued to verify that the information was complete and accurate after investigation/re-investigation. In the instance of XXXX XXXX, they reported amounts owed of XXXX on previous disputes then jumped to XXXX in others with no proof to substantiate the debt or response to 623 letters. XXXX XXXX XXXX responded to 623 letters only saying they verified that the information to be true and correct but I have yet to see and documentation from them proving this. Snchrony Bank/JC Penney was the same in their refusal to delete even though the CA they sold the account to had deleted the negative information in XX/XX/XXXX. All the information that was investigated and re-investigated shows inaccurate and different information across all the CRA 's so how could it possibly be verified as accurate and complete based on credible investigations?

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 2019-03-13 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: Santander Consumer USA Holdings Inc.
State: CA

Complaint narrative:
XXXX  and XXXX  credit bureau 's along with the Original Creditors have been reporting negative information at least 2 years on 3 accounts in my credit files.The accounts were investigated and deleted from XXXX XXXX in XX/XX/XXXX while the other CRA 's refused to remove the erroneous items after numerous rounds with them and the suppliers of the information. I sent numerous FCRA 611 and 623 certified letters with either no response or with little documentation to warrant reporting of the items in violation of the FCRA for both the CRA 's and Original creditors. Yet, they continued to verify that the information was complete and accurate after investigation/re-investigation. In the instance of Santander XXXX, they reported amounts owed of XXXX on previous disputes then jumped to XXXX in others with no proof to substantiate the debt or response to 623 letters. XXXX XXXX XXXX responded to 623 letters only saying they verified that the information to be true and correct but I have yet to see and documentation from them proving this. XXXX XXXX XXXX was the same in their refusal to delete even though the CA  they sold the account to had deleted the negative information in XXXX. All the information that was investigated and re-investigated shows inaccurate and different information across all the CRA 's so how could it possibly be verified as accurate and complete based on credible investigations?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-13 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: VA

Complaint narrative:
I have been requesting a mortgage payoff statement for the past 3 weeks. The company does not mail me the mortage payoff statement and has not returned my calls when i've reached out to customer service. 

additionally - i have tried to make extra loan payments online - but the mortgage company ( Citizens One Home Loans  ) charges me a {$10.00} fee and {$40.00} separate fee for making extra payments online. This is predatory lending. 

They are not allowing me to pay off my mortgage and I want to pay it off in full since the interest rate is very high ( 8.125 % ). 


Customer Service Monday through Friday from 8 a.m. - 5 p.m. 

XXXX XXXX Option 1 - XXXX XXXX   Notices of Error or Requests for Information Citizens One Home Loans Attn : Customer Service XXXX XXXX  XXXX XXXX XXXX, VA XXXX Collections Department Monday through Friday 8 a.m. - 8 p.m. 

XXXX XXXX Option 1 - XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-03-13 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: APEX Asset Management, LLC
State: NJ

Complaint narrative:
We had an appointment for my daughter to visit XXXX XXXX on XX/XX/18 to get the XXXX vaccine, and to check on an XXXX XXXX ( because you cant get the vaccine if the XXXX is still there ). My wife called the office the day before the appointment to see if they had the vaccine in stock. She was told that they did not, so she went ahead and requested to cancel the appointment. Then we received this {$25.00} " no show '' fee. We called the number on the statement and they said they cant help us and we need ro speak to the provider. We called the provider and they said that we need to speak to XXXX at the XXXX county office. We called her and left a message. She did not respond or call back. So we called the billing back and told them that we cant get through ( I did try again ). They opened a case and I was told they would get back to me. They did not get back. Meanwhile I receive a " FINAL NOTICE '' before it goes to collections. I called them back for an update. They did not have one and said they would call me back. THEY DID NOT CALL ME BACK AND NOW IT IS IN COLLECTIONS. I tried contacting the collection agency ( APEX ASSET COLLECTION ) by email ( listed on their website ) and I HAVE GOTTEN NO RESPONSE. If a company has a charge they should be obligated to at least TALK TO THE CUSTOMER!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-13 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: FL

Complaint narrative:
While checking my most recent credit report, I noticed a credit inquiry that I did not authorize, made by the following company : Inquiry : XXXX XX/XX/2019 This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611.

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 2019-03-13 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: CA

Complaint narrative:
Experian and XXXX  credit bureau 's along with the Original Creditors have been reporting negative information at least 2 years on 3 accounts in my credit files.The accounts were investigated and deleted from XXXX XXXX in XX/XX/XXXX while the other CRA 's refused to remove the erroneous items after numerous rounds with them and the suppliers of the information. I sent numerous FCRA 611 and 623 certified letters with either no response or with little documentation to warrant reporting of the items in violation of the FCRA for both the CRA 's and Original creditors. Yet, they continued to verify that the information was complete and accurate after investigation/re-investigation. In the instance of XXXX XXXX, they reported amounts owed of XXXX on previous disputes then jumped to XXXX in others with no proof to substantiate the debt or response to 623 letters. XXXX XXXX XXXX responded to 623 letters only saying they verified that the information to be true and correct but I have yet to see and documentation from them proving this. XXXX XXXX XXXX was the same in their refusal to delete even though the CA they sold the account to had deleted the negative information in XXXX. All the information that was investigated and re-investigated shows inaccurate and different information across all the CRA 's so how could it possibly be verified as accurate and complete based on credible investigations?

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 2019-03-13 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
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: Cottonwood Financial Ltd.
State: TX

Complaint narrative:
Applied online for an installment loan and went to Cash Store in XXXX, TX with reference number provided. Provided my paperwork and gave my social security number. That claimed another customer has that number in their system and needed to see my social card, I did not have it with me. I came back the next business day and provided my social security card. The lady behind the counter took a copy of my card, DL, took my documents and stated she would contact me once she hears from corporate which could take until Monday for an approval. This was on a Friday. I never received a call back and was never told anything about the investigation of someone else having my social in their system.

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