vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-16 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: PLAZA HOME MORTGAGE, INC.
State: CA

Complaint narrative:
Cares Act - Due to hardship of Covid 19 lock down iam struggling making my mortgage payment On XX/XX/2020 I received a letter from my mortgage company stating a Temporary hardship forbearance plan agreement, in which I was not involved, neither I spoke to them on the phone, neither I agreed to this plan. it was a 3 months deferred with the due date of XX/XX/2020, paying the total amount of XXXX. 
during this time I continue struggling and making my mortgage payment on time. 

On XX/XX/2020 I Email them a letter requesting and demanding for Request for Paused Reamortization Mortgage Forbearance in which I stated to inpound payments for insurance and property taxes and that the accrued interest to be added to the principal balance and to be amortized over the remaining period of my loan, pursuant to federal law. 

I also ask to provide written confirmation of receipt of my request, which they fail to do so, until I contact them XX/XX/2020 and they acknowledge receiving my email and promise to look in to that, and no contact. 

on XX/XX/2020 I contact them requesting againg a resolution in writing and the answer was No that they are not offering any other mortgage relief due to covid 19. they refuse to do it in writing,

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-16 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: PNC Bank N.A.
State: OH

Complaint narrative:
Tring to link my account with XXXX XXXX XXXX XXXX/website and it will not allow me. please fix this! 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: AES/PHEAA
State: TX

Complaint narrative:
This issue goes way back to 2017 of XXXX and maybe a 1 time after that and now I am tired and have figure it out on how I can take my matter to a higher level to get resolve.. My complaint is against Fed Loan Services- student loan. 

I have contacted them many times in the past regarding my student loan account. I have requested for FedLoan Services to send me a bill each for my interest that is accruing on my account each month that is not being paid by the government. And they claim they can not provide me with that, in which I find that very unfair that Fed Loan Services can charge me interest and they can not provide a monthly statement of my interest. I have never heard of such thing, if a consumer borrow money from any financial institution then it is the lender responsibility to provide that borrower the not just a statement showing the amount owed ( all added up into one balance ), but the lender must be able to provide a statement showing the monthly amounts itemized out on the statement. Just like on a credit card, the creditor provides a monthly statement with current balance that includes any recent charges including the interest that was charge for that month 's period. As FedLoan Services continues to adds interest to my student loans accounts along with reporting the added interest to the credit bureau showing that my balances on my loans are increasing, which can and is causing a negative effect on my credit utilization on my report, which in terms affects my credit score. So therefore, FedLoan Services needs to provide me with a monthly interest statement showing me what interest has been added to my loans for that month. It is not my job to be their computing system and calculate my own interest every month, they need to do that and providing a lump sum total of all my interest with showing me the interest for that months period is not sufficient. As a lender FedLoan Services is supposed to provide accurate, detailed, itemized information to the borrower. I want to know every month, not every three months, because FedLoan Services reports to credit bureaus every month, so therefore I want to see it every month what the amount of interest that is being added to my account and I want to see it on my statement separately, so that it can be paid monthly. I will not do their job for them, because it's not my job to do its only knowledge for me as consumer/borrower if indeed I wanted to know how my loans are being calculated. And I believe they have a duty to me as a borrower to provide me with a clear statement every month I am being charge interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-16 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc.
State: WI

Complaint narrative:
We switched phone companies, and after switching we paid off what I thought was everything. There was still a balance left on the account and then I got a collection. I moved so I was not receiving anything in the mail from them.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ND

Complaint narrative:
I am a XXXXXXXX XXXX XXXX veteran. I applied and was awarded a XXXX discharge for my federal student loans. All three of the credit bureaus are reporting all of my federal student loans as " Payment status : Collections/chargeoff ''. I have disputed this information with the bureaus and they state they investigated it and I even supplied them with a copy of the XXXX discharge.

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 2020-06-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: HW Holding, Inc
State: SC

Complaint narrative:
Credit Report Number : XXXX Date Generated : XX/XX/XXXX Account Name : HUNTER WARFIELD Account Number : XXXX Account Type : Collection Date Opened : XX/XX/XXXX Original paid : {$140.00} RE : Payment {$140.00} was made to XXXX XXXX and Hunter Warfield is reporting collection on my credit for {$140.00} for the last 8 months. False reporting on my credit violation of fair credit reporting act. 

Original Creditor : XXXX XXXX Contact Info Phone Number : ( XXXX ) XXXX Address : XXXX XXXX XXXX XXXX XXXX, FL 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 2020-06-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
My complaint is against Navient- student loan services, I have contacted them a few times in the past back in XXXX regarding my student loan account. I have requested for Navient to send me a bill each for my interest that is accruing on my account each month that is not being paid by the government. And they claim they can not provide me with that, in which I find that very unfair that Navient can charge me interest and they can not provide a monthly statement of my interest. I have never heard of such thing, if a consumer borrow money from any financial institution then it is the lender responsibility to provide the borrower with not just a statement showing the amount owed ( all added up into one balance ), but the lender must be able to provide a statement showing the monthly amounts itemized out on the statement. Just like on a credit card, the creditor provides a monthly statement with current balance that includes any recent charges including the interest that was charge for that month 's period. As Navient continues to adds interest to my student loans accounts along with reporting the added interest to the credit bureau showing that my balances on my loans are increasing, which can and is causing a negative effect on my credit utilization on my report, which in terms affects my credit score. As I had notice this and I can be paying my interest on my loans every month, I requested that they send me a statement showing the interest that is being added monthly, giving me a consolidate/ combine interest is not going to suffice, but they refused and expect me as customer to calculated previous statement to get my interest ... NO!! I will not! So therefore, Navient needs to provide me with a monthly interest statement showing me what interest has been added to my loans for that month. It is not my job to be their computing system and calculate my own interest every month, they need to do that. And stop providing a lump sum total of all my interest without showing me the interest for that months period. As a lender Navient is supposed to provide accurate, detailed, itemized information to the borrower. I want to know every month, not every three months, because Navient reports to credit bureaus every month, so therefore I want to see it every month what the amount of interest that is being added to my account and I want to see it on my statement separately, so that it can be paid monthly. I will not do their job for them, because its not my job to do its only knowledge for me as consumer/borrower if indeed I wanted to know how my loans are being calculated.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-16 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: MI

Complaint narrative:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-16 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

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 2020-06-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: NJ

Complaint narrative:
I try to contact the company but they say they was going to call me back to see what was going 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 2020-06-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

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 2020-06-16 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: EQUIFAX, INC.
State: ND

Complaint narrative:
I am a 100 % XXXX veteran. I applied and was awarded a XXXX discharge for my federal student loans. All three of the credit bureaus are reporting all of my federal student loans as " Payment status : Collections/chargeoff ''. I have disputed this information with the bureaus and they state they investigated it and I even supplied them with a copy of the XXXX discharge.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-16 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: Experian Information Solutions Inc.
State: ND

Complaint narrative:
I am a 100 % XXXX veteran. I applied and was awarded a XXXX discharge for my federal student loans. All three of the credit bureaus are reporting all of my federal student loans as " Payment status : Collections/chargeoff ''. I have disputed this information with the bureaus and they state they investigated it and I even supplied them with a copy of the XXXX discharge.

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 2020-06-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I HAVE NOT BEEN ABLE TO GET TRANS UNION, XXXX OR XXXX TO MAKE THE CORRECTIONS TO WRONG ADDRESSES AND NAMES ON MY CREDIT REPORT.

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 2020-06-16 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: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
XX/XX/2020 I was charged for being late on my credit card payment ( XXXX XXXX ). I was charged a late fee and it was reported on my credit reports as thirty day late. I filed for this inaccuracies to be corrected and was only sent statements, they never verified the late payment has I asked. I have never been late before on my XXXX XXXX  credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-16 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: PNC Bank N.A.
State: AL

Complaint narrative:
I tried to link my card to my XXXX XXXX and it told me my bank made changes to my bank that prevents me from doing that.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-16 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
XX/XX/2020 I would like to claim about below. 

I tried to withdraw {$500.00} from the XXXX Bank of America ATM with EDD card at XXXX o'clock on XX/XX/XXXX, but I immediately canceled the transaction and went to the next ATM because I needed {$100.00} bills, so I tried to withdraw {$700.00}. But I found it was over the daily limit. And then I checked the withdrawal history. I never get any cash and receipt. On the same day, I asked to the bank 's teller for help, the teller told me that EDD BOA customer service might my balance to be cleared tomorrow, and gave me the phone number. And the edd customer service staff said if I leave my phone number and email, they would call me but couldn't get in touch with anybody. 
I have called the Customer Service and Claim Department about six times, but nothing helps. There is no answer to the email also. 

Every times I waited more than 50 minutes, 1 hour 50 minutes, and 2 hours. but I was unable to connect to the claim department. So I couldn't connect and gave up the phone connection. 

When I contacted a staff he said the amount was large, so a rep could not fix the problem. Actually It's a great big amount for me, so I'm emailing regarding the situation to solve. 

Another banker said I should go back to the bank for help. So, I went to the bank early in the morning and talked about the situation again. A baker tell me the ATM ID and phone number and then I call the BOA ATM department for assistance. So I tried to connect to Edd Department again. Customer service gave me a number of claim departmenr XXXX. But I could not connected to anybody for over 1 weeks. 

I dont want to ask for help me and to repeat the same story any more. This is is a really difficult story.I can't find money at that time. There were people lined up at the ATM machine. If the money came out, someone find this cash. 

Please accept this claim for my missing balances and let me know regarding a result. 

Warm Regards,

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 monetary relief
Consumer complaint received 2020-06-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I HAVE NOT BEEN ABLE TO GET XXXX XXXX, EQUIFAX OR XXXX TO MAKE THE CORRECTIONS TO WRONG ADDRESSES AND NAMES ON MY CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I HAVE NOT BEEN ABLE TO GET XXXX XXXX, XXXX OR EXPERIAN TO MAKE THE CORRECTIONS TO WRONG ADDRESSES AND NAMES ON MY CREDIT REPORT.

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 2020-06-16 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XX/XX/XXXX I disputed XXXX that was on my credit file with Experian. XXXX is an account that is a result of identity theft. Experian wrote me and said the account was accurate and verified. Yet Im trying to figure out how was it verified and accurate when the account is a result of identity theft. XXXX and XXXX deleted this account but yet Experian continues to recklessly report inaccurate fraudulent information onto my credit file. Im not sure of how you did this when I know for a fact that they account is inaccurate and fraud. From my research on the FTC website, it stated that all reporting from creditors or collectors must be 100 % accurate and not 90 %. This XXXX account is 100 % fraudulent. I also have new information such as a police report, notarized affidavit and my driver license. All my things were stolen in XXXX and numerous accounts and apartments were obtained in my name without my consent and my signatures were fraudulently copied.

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 2020-06-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: PNC Bank N.A.
State: NC

Complaint narrative:
Its saying its having difficulties connecting my bank

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
TransUnion and XXXX are still reporting a bankruptcy that does not belong to me. XXXX has removed the inaccuracies and I sent a letters for both TransUnion and XXXX to follow suit. I also was told that it was verified with the court in which the bankruptcy was filed. I reached out to the court in XXXX sc and Got a written letter that they dont verify such items and the letters I was sent from both TransUnion and XXXX said it was verified through the courts. Now there is a big discrepancy.

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 2020-06-16 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XX/XX/XXXX I disputed XXXX that was on my credit file with Experian. XXXX is an account that is a result of identity theft. Experian wrote me and said the account was accurate and verified. Yet Im trying to figure out how was it verified and accurate when the account is a result of identity theft. XXXX and XXXX deleted this account but yet Experian continues to recklessly report inaccurate fraudulent information onto my credit file. Im not sure of how you did this when I know for a fact that they account is inaccurate and fraud. From my research on the FTC website, it stated that all reporting from creditors or collectors must be 100 % accurate and not 90 %. This XXXX account is 100 % fraudulent. I also have new information such as a police report, notarized affidavit and my driver license. All my things were stolen in XXXX and numerous accounts and apartments were obtained in my name without my consent and my signatures were fraudulently copied.

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