vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-29 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: NJ

Complaint narrative:
Hello, I have 2 student loans with the Fedloan Servicing company and soon will be eligible for loan forgiveness under the Public Service Loan Forgiveness program. According to my records, I should be able to formally file for forgiveness around XXXX of XXXX. However, according to my online account, I have 17 ineligible payments.

I have been trying to rectify the payment count for about 3-4 years. When I initially called, I was told that they were backlogged and were prioritizing accounts nearer to the 120 count but they will have my account manually reviewed. I've called every 6 to 8 months to see if any progress was made and received the same response. 

They made an update to their website where you can see which payments qualified, which did not and why. Even though they were all made under the qualified payment plan and payments were made on time, most of them were listed as being " Outside the Window ''. I noticed that all of the ineligible payments were when my accounts were with a different servicer ( XXXX  XXXX  ). Some of my payments from that time period went through but most of them did not and I can not get an explanation as to why. 

I called a couple of times in XXXX to find out when my account will be reviewed and I got the same response of being backlogged and to call back in a few months. I called again in XX/XX/XXXX and I got the same response even though I should be eligible for loan forgiveness soon. However, now that I am a couple months away, I am very concerned that I will be on the hook for another 17 months because my account still hasn't been reviewed. I keep getting the same standard response from representatives and no progress is being made.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-29 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: FL

Complaint narrative:
I Have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, i felt disrespected by the customer service representative after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is unacceptable!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-29 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: MONEY SOURCE, INC., THE
State: IL

Complaint narrative:
The noney source company refuses to modifide my mortgage payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION
State: FL

Complaint narrative:
Started application XX/XX/2020 for a refinance, paid {$500.00} upfront app fee. Was informed process would be about 4-6 weeks tops. Maybe 8 weeks with COVID delays but never did we agree on a four month process. Little to no communication from Loan Originator, no real explanation for delay, emailed me in XX/XX/2020 that we are certain to close on the loan, yet still no information on status. Confirmed that everything is good but still no closing. I have provided everything they have asked of me the same day. Unable to get in contact with corporation, no contact with underwriting, inconsistent contact with loan originator. Recent email states company is facing capacity issue. Sending same documents month after month with no success. The process is deceiving. I have all emails of me trying to get answers that go weeks ignored, to then only turn around and ask me for the same documents over and over. I have all supporting documents for my claims in email format with personal information such as SS #, bank stmnts, ect, will supply if necessary.

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 2021-01-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Dovenmuehle Mortgage, Inc.
State: VA

Complaint narrative:
I've been trying for several weeks to get Dovenmuehle Mortgage to reissue me a check for the balance of my closed out mortgage. I've been on the phone with them numerous times and they have process my request over the phone at least 3 times yet there is no evidence on their end of any check every having been issues nor mailed. They owe me XXXX. I've been fighting this for over a month. I also have a compalint open with XXXX  of XXXX with complaint # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Bank of America owes me XXXX. 

They claim they sent a balance refund check to me on XX/XX/XXXX by mail, for a total of XXXX but I didn't receive it. This is money they owe me from a purchase I made with the card, that was refunded to the card by the seller due to covid. 

I called Bank of America in XXXX to let them know I didn't get the check and was told by them that mail was taking long to wait a bit more. 

On XX/XX/XXXX I called them again because the check didn't come, and they said the check bounced back to them by the mail carrier as not-deliverable. So they now had the check back with them. 

They told me I could request the check to be stopped by them and instead they would send me the refund money to my checking account -- I gave them my account details. I was told it would take 10 days for the approval and 3-5 days to get my refund back.

I called back since then 7 times and each time the staff give me different info, some told me the request wasn't in, others told me that the stop check request was invalid, I chatted with them online as a result to document the information and they told me, promised me, that I would get the money within 15 days of XX/XX/XXXX, but it is now XX/XX/XXXX and still nothing. 

I was also told that a manager would call me, but they never did. This happened XXXX -- managers failed to follow up with me I called them today, XX/XX/XXXX and was told that my request to stop the check and to get my money refunded to me was denied -- but this is my money. And they said they'll put in another request. They even implied that because it was put in as a refund instead of a payout it was denied -- their terminology is not my concern. I really need my money. 

I was told they were going to request it again today for me but I no longer trust them. In a few days it will be 3 months since this money has been in their hands, my money, and I need your help. 

It seems they are just keeping it with invalid excuses as to why they won't give me back money that is mine. 

Per XXXX, a manager at Bank of America I spoke on the phone with today XX/XX/XXXX, the money that Bank of America owes me : XXXX, was not approved to be given back to me. This is money they owe me, from a credit refund balance, since XX/XX/XXXX, so it's mine. He claims he doesn't know why it was denied, but it's my money. He said he'll try again. But not guaranteed.

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 2021-01-29 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:
I am a victim of identity theft and did not make the charges. I ask that the items be blocked to correct my credit report. I've tried several times disputing with the credit bureaus but it seems like they are too busy and not responding to my requests.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-29 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: ALLY FINANCIAL INC.
State: IL

Complaint narrative:
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. ALLY FINANCIAL Requested On : XX/XX/2019, XXXX XXXX XXXX XXXX  Requested On : XX/XX/2019. But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.

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 2021-01-29 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Equifax currently reports XXXX XXXX XXXX XXXX XXXX on my consumer credit report inaccuratly and illegally. 

XXXX XXXX XXXX XXXX XXXX did not offer permissible cause, no credit or loan as been awarded. 

Inquiry was not authorized by me and must be deleted

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
On XX/XX/2020 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into hands of the wrong person.

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 2021-01-29 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/2020 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-29 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: FL

Complaint narrative:
I Have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, i felt disrespected by the customer service representative after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is unacceptable!

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 2021-01-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LD Holdings Group, LLC
State: CA

Complaint narrative:
I initiated my refinance in XXXX of 2020. Within a week of my initial application, I had provided you with all necessary documents. Yet, my loan didn't close until XXXX of 2020. In addition, you funded my loan. This lateness caused me to make an additional payment, the next day you finally closed my loan. If I wanted to pay an additional {$3600.00}, I could've put it on my loan and reduced my mortgage insurance. You were neglectful, your customer service was unsatisfactory, and my servicer was rarely available to answer my questions. 

Your representative XXXX XXXX  indicated that the mortgage that was paid the day before the loan finally funded would be returned to me. It has not yet. 

I received a response indicating that their was no record of me receiving advise to indicate that I would be refunded that mortgage payment. I've attached a copy of the response from XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC
State: NY

Complaint narrative:
Over the past several years they have misapplied payments and not taken escrow payments correctly leading to incorrect reports on my credit and wildly changing mortgage amounts. I have frequently tried to address the problem with long phone calls but nobody seems to be able to correct the problem. Requests for documents go to a secure online folder which you don't get an invitation for until after the document has expired. I get wildly disparate statements on the same day.

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 2021-01-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I was instructed by a Chase Bank representative to get a refinanced auto loan quote by following the step by step guide found online. 

I completed the application and was notified that I had been approved for a {$14000.00} dollar loan for a used car for a near by dealership? 

None of the information is accurate and not even close to what I wanted. 

I was never given an opportunity to approve the rate or loan amount. I can not cancel the loan application and have a 'hard inquire ' on my credit report now.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-29 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: GA

Complaint narrative:
I noticed that i have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! I can not accept this!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
I was received an offer from Portfolio Recovery Associates LLC on behalf of XXXX XXXX XXXX to pay off the debt in full in order to have the account removed from my credit report. i have attached a copy of the correspondence from Portfolio Recovery Associates LLC on XX/XX/XXXX stating the account will be removed within 30 days however, the account balance was paid in full in XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-29 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: CA

Complaint narrative:
I am a victim of identity theft and did not make the charges. I ask that the items be blocked to correct my credit report. I've tried several times disputing with the credit bureaus but it seems like they are too busy and not responding to my requests.

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 2021-01-29 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: AL

Complaint narrative:
There are discrepancies on my personal credit report ( s ) that are in violation of my consumer rights. Please permanently delete and block the below accounts and inquiries from my XXXX, XXXX, and TRANSUNION credit report ( s ). These inquiries are fraudulent and unverifiable. 

ACCOUNTS : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX INQUIRIES : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

These accounts and inquiries are unverifiable, fraudulent, and are in violation of my consumer rights. I am requesting to permanently remove these accounts and inquiries.

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 2021-01-29 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: AL

Complaint narrative:
There are discrepancies on my personal credit report ( s ) that are in violation of my consumer rights. Please permanently delete and block the below accounts and inquiries from my XXXX, EQUIFAX, and XXXX  credit report ( s ). These inquiries are fraudulent and unverifiable. 

ACCOUNTS : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  INQUIRIES XXXX XXXX XXXX/ XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

These accounts and inquiries are unverifiable, fraudulent, and are in violation of my consumer rights. I am requesting to permanently remove these accounts and inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-29 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
THESE ACCOUNTS WERE LISTED ON MY CREDIT REPORT AND I HAVE NEVER OPENED THESE ACCOUNTS. MY INFORMATION WAS USED IN A DATA BREACH BECAUSE I HAVE NO BUSINESS WITH THESES COMPANIES, PLEASE HAVE THESE ITEMS REMOVED FROM MY FILE.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-29 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Equifax currently reports an inquiry i do not reconized, XXXX XXXX XXXX This Inquiry is unauthorized, illegal Reporting has no permissable cause, no loan or credit has been awared. a violation of FCRA rules

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-29 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: AL

Complaint narrative:
Notice to all, I am that I am, the consumer in fact, natural person, original creditor, lender, executor administrator, holder in due cours, and for any and all derivatives thereof for the surname/given name XXXX XXXX, and I have been appointed and accept being the executor both public and private for all matters proceeding. 
Whereas, I of age, of majority, give this herein notice to all, I make solemn oath to the one and only most high of creation only, whoever they may be, and I depose the following facts, so be it, now present : 3. Fact, the Fair Debt Collection Practices Act is intended to secure my right to privacy and my privacy has been breached so be it, and ; 4. Fact, I am sure the removal of my information from your website, company records, or any and all derivatives therefore, of, and/ or with any affiliates will ensure my privacy rights wont be violated again due to my lack of consent and this herein unrebutted Affidavit of Truth being serviced to you today and therefore, standing as truthin commerce, so be it, and ; LIST CREDITOR ACCOUNTS HERE : XXXX  XXXX {$1000.00} XX/XX/XXXX XXXX  XXXX  {$720.00} XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION
State: TX

Complaint narrative:
I was contacted by Amerisave about a refinance on my mortgage, i was told that i had to pay the appraisal fee before we could get started. I did we discussed the loan and i decided against using there service. The appraisal was never done. 
in an e-mail i was told that the money would be automatically returned because the appraisal was never done. After a couple of months i was told i would not receive the money back they were going to put it toward some application fee.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation