vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-10-22 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: CA

Complaint narrative:
My loan was sold to Rushmore Servicing on or around XX/XX/18 from XXXX. Since the transfer I have had nothing but problems. I even attempted to contact the president of the company to seek resolution. I have put my complaint in writing to Rushmore per their requirements. 

My complaint is for inappropriately posting of a principal deduction payment made on XX/XX/18 from my bank account with XXXX XXXX. I followed the exact instruction provided by Rushmore in their servicing transfer letter, however the payment was rejected by them. I again attempted to resend the substantial principal reduction to them from XXXX XXXX on XX/XX/18 following new address information from Rushmore, again this payment was rejected. I provided written evidence and confirmation from XXXX XXXX showing the date, time, correct loan number and reason for rejection by Rushmore. Although I've received a few communications from Rushmore on this issue, it remains outstanding. The evidence is clear, they need to post the principal reduction effective XX/XX/18 and adjust the interest charges appropriately. As an addition issue, Rushmore does not provide a secure method for a customer to provide MNPI information and encourages the consumer to fax information across unsecured phone lines. They have little regard for consumer data protection.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-22 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Diversified Consultants, Inc.
State: IL

Complaint narrative:
I was looking over my credit report and I received a notification on XX/XX/2018 from " Diversified consultants '' attempting to collect a debt of {$360.00}. The original creditor name is XXXX. My closing statement is I have no knowledge of this account what so ever and where it came from. It would be appreciative to have this negative item removed because its effecting my credit history. Thank you. Also, I have another complaint against another collection agency by the name of " XXXX XXXX XXXX '' who on XX/XX/2018, also is trying to attempt to collect a debt of {$760.00}. The original creditor is XXXX. Prior to this collection there was a previous collection with the same creditor ( XXXX ) by the name of XXXX XXXX with the balance of {$760.00} and it was later removed in XX/XX/2018. I would also like for XXXX XXXX XXXX to be deleted immediately. This is illegal.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-22 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH

Complaint narrative:
Filed Chapter XXXX Bankruptcy in XXXX case XXXX. I signed a reaffirmation agreement with Bank of America on XX/XX/XXXX taking the amount of the loan from {$68000.00} to {$45000.00} leaving a cram down amount of {$23000.00}. Per the debtors confirmed bankruptcy plan docket XXXX filed on XX/XX/XXXX Bank of America had the right to place the {$23000.00} with the Class 7 unsecured claims and failed to do so. By Bank of America not petitioning the cram down amount to be placed in the Class 7 claims at confirmation of the plan as stated in the Class 7 claims and Class 2 claims that debt should any lender not file a proof of claim, not contest any amendment disputing their claim, nor contest an objection made to their claim, such claim shall be treated only as a Class 7 claim, if allowed, and such lender shall be bound by the 524 injunction issued at confirmation of the Plan. At this time Bank of America,  XXXX / XXXX and XXXX XXXX have all violated the plan by asking for this discharged debt. XXXX XXXX has included this cram down in my payoffs and in the foreclosure action taken against my loan. As I stated in my previous CFPB complaints BAC placed insurance on my loan per the loan history in XXXX while this property was under a federal stay. This was an encumbrance on the debtor and the asset and a direct violation of docket 382 ARTICLE IX section 3 ( iii ) ( iii ) creating, perfecting otherwise enforcing in any manner, directly or indirectly, any encumbrance of any kind against the Debtor or the assets of the Debtor or the Trust or any direct or indirect successor in interest to any of the Debtor, or any assets of any such transferee or successor other than as contemplated by the Plan ; The plan prohibited Bank of America to place insurance and charge the debtor while the debtor was under a federal stay. The Plan prohibits XXXX to collect the amount of {$19000.00} listed as BK cost under FEE DETAILS.

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 2018-10-22 00:00:00
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Delta Management Associates, Inc.
State: PA

Complaint narrative:
My fed student loans were transfered to Delta Management Associates , Inc . 
back in 2016. I was informed that the only way that I could come out of default was to rehabilitate my loan by making 9 payments. At no time was I informed of the consolidation option. If I was given the consolidation option I would have consolidated my loans and had become eligible for Public Service Loan Forgiveness in 2016. As it stands now, due to not being informed of my consolidation option, I made 9 payments that will not count towards PSLF. Delta Management was deceptive and never gave me all the information I needed to make an informed decision. Of course, I have no doubt in my mind that they will not be held accountable for any of their deception as no one cares that most of us are trying to make ends meet.

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 2018-10-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: GREAT LAKES
State: VA

Complaint narrative:
I graduated from law school in XX/XX/XXXX. At the time, I had around $ 120k in student loans through XXXX, which was later bought out by Great Lakes. I began working for the Federal Government in XX/XX/XXXX, with the understanding that loans would be forgiven in 10 years because my employment fell under the PSLF program. I was told my loans qualified by XXXX/Great Lakes. It wasn't until early XXXX I realized my loans were not properly consolidated as Direct loans, at which time I consolidated my loans and began making payments under IBR. The loans were serviced by multiple contractors ( including at least XXXX and XXXX ). In XXXX my loans were transferred to XXXX for loan servicing. I asked for an accounting in XX/XX/XXXX so I knew how many payments I have left to make. To date, XXXX has refused to provide that information, despite repeated phone calls every 4-6 weeks ( every time I call they say " it'll be another 4-6 weeks '' ). According to their website, I have only made 24 qualifying payments!!! So, 1 ) I was lied to initially that my loans qualified by XXXX./Great Lakes ; and 2 ) XXXX can not or will not provide an accounting of the payments I made through Federal loan contractors through the years.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-22 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have supporting documentation indicating that I do not owe debt

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-22 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: PA

Complaint narrative:
In 2017 American Education Services applied my daughter 's payments ( I am the cosigner ) to the wrong loan. Upon receiving notices of delinquency, both my daughter and I repeatedly called AES, and were told that the payments had been corrected and that the notices of delinqency were a mistake. It continued to be a problem, but they continued to tell us that the payments were being correctly applied. Subsequently, the loan was placed in default and sent to collections. Attached are documents clearly showing that the last payment on the loan prior to it being declared in default was made on XX/XX/2017 in the amount of {$130.00}. Also attached is a letter from AES dated XX/XX/2017 stating that the payment is 149 days delinquent, which was clearly not the case. My daughter, and I, again contacted AES, but it was by then placed in default, and they refused to even discuss the matter. Presently, the loan is in collections with a company called XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-22 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: TN

Complaint narrative:
XXXX XXXX XXXX reported a debt on my report. I asked the top three credit bureaus to remove the debt because it is not my debt. This company reported a bill from XXXX XXXX XXXX for almost {$1800.00} that is not my debt and not even in my correct name. I have called the company and their information is not correct, they do not have my correct ssn or any other information that pertains to me ; but Experian states that they verified all the information and it is correct. This debt needs to be removed IMMEDIATELY. This is the third request and I have had enough. It is not my name, not my bill ( debt. ) I am exhausted with this.

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 2018-10-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
The CFPB will take steps to remove my personal information from this description but someone may still be able to identify me. Learn how it works. I consent to publishing this description after the CFPB has taken these steps.

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 2018-10-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CIT BANK, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
According to the Homeowner 's Protection Act the PMI I am being charged on my mortgage loan was supposed to automatically stop when my mortgage reached 78 %. According to my mortgage company, my mortgage is now at 75.4 %, yet I am still being charged PMI. I have emailed them twice to have this removed but they have not complied. They did send me a notice requesting I get an appraisal on the property once, but I understand the LTV is supposed to be based on the original value of my property, not the current appraised value. No appraisal should be required at this point. The Homeowner 's Protection Act defines the original value as the value when my loan originated. The mortgage company already has that figure as they show it on my online account. I did not receive a response from the mortgage company on my second request.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
American Express ( AMEX ) offered me a credit card Promotion and they accepted my application under the guise of that promotion. I then charged the required amount, within the specified period of time, and then immediately paid off the amount charged less the statement credit promised under the promotion of {$150.00}. AMEX never followed through with crediting the account the {$150.00} and after my following up with them several times the end result was they told me I was disqualified from the promotion and they ultimately turned the account over to collections. I have fully documented all the phone calls with AMEX and the collection company. I have attached a copy of the final letter that I sent AMEX which summarizes my dispute and my efforts to bring this situation to a close. The outstanding balance owed on this credit card began with the {$150.00} promotion credit that they refused to give me and now includes the exorbitant late charges and interest that they are applying to that {$150.00}. The American Express corporation may be a huge company but they should not be allowed to " strong arm '' the consumer!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-22 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: CA

Complaint narrative:
I have tried to apply a mortgage loan and discover a fraudulent account in my credit report that I have never applied. I am a victim of identity theft and someone opened a fraudulent account ( XXXX XXXX XXXX XXXX and account no : XXXX ) without my permission or knowledge. I've filed an identity theft report and submitted this document to the credit reporting agencies : Experian, XXXX, and XXXX, and also XXXX XXXX XXXX asking to block and remove fraudulent account from my credit report. The credit reporting agencies removed XXXX XXXX XXXX XXXX account ( partial account no : XXXX ) from my credit report, but recently I have checked my credit history and I discovered that Experian reinserted the fraudulent account back to my credit. I have contacted with Experian but they refuse to help me to delete reinserted fraudulent account from my Experian 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 2018-10-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Credit Karma, LLC
State: TN

Complaint narrative:
The loan balances are not updating, is it being reported to the credit bureau monthly or quarterly? and how often should it update?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-22 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: The CMI Group, Inc.
State: MN

Complaint narrative:
I got a collections account pop in my credit report state, I never get any XXXX letter from the collections agency, I called XXXX and their records doesnt match my information.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC
State: NY

Complaint narrative:
I originally had my loan with XXXX XXXX XXXX. They sold the loan to XXXX XXXX. XXXX XXXX showed me 4 months behind, and when I told them that was inaccurate they promised to send me a statement of payments sent by XXXX. They never did. XXXX then offered a payment plan. I qualified but they never sent the plan. They then sold the loan to XXXX XXXX. Now XXXX XXXX has told me that they can not read the transaction activity sent by XXXX and have refused to send me the information. I have requested this information from the Account Manager Mr. XXXX. He told me that XXXX did not send all the information and he was still awaiting information from my file. In the meantime they refuse to take payment. I have made simple request for information that I am entitled to and have yet to receive.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Atlantic Recovery Solutions LLC
State: CO

Complaint narrative:
XXXX XXXX balance in full XXXX Settlement Amount I called in this afternoon to discuss a debt that I was paying each month because I recently had the debt card we were using to make auto pays compromised. I spoke with three reps XXXX XXXX, XXXX XXXX, XXXX XXXX. I wanted to just move the XXXX pmt to XX/XX/XXXX since I was unable to pay the full amount. XXXX XXXX told me I couldnt change the payment plan because they need a payment for XXXX. I ended that call and received a call back from the other rep XXXX XXXX who said she was returning a call that dropped and after I told her what I needed to do with the acct she told me that I can not dictate my own debt and they will see me in court and hung up. I called back and spoke with a compliance supervisor by the name of XXXX XXXX. XXXX did take the time to listen to my situation and helped me get to a resolution that both of us found reasonable. She said the rep would be reprimanded for threatening me with legal actions. I Felt threatened when I was told I would be sued over trying to make payments on an account Ive been paying since it got moved to their company. XXXX did help me feel more at ease but I still dont like the practices that company is training to their employees, because who knows how many people they tell that on a daily bases and actually get to pay with the deceiving collection tactics.

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 2018-10-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WV

Complaint narrative:
The CFPB will take steps to remove my personal information from this description but someone may still be able to identify me. Learn how it works. I consent to publishing this description after the CFPB has taken these steps.

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 2018-10-22 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: American Profit Recovery, Inc., Marlborough, MA Branch
State: MI

Complaint narrative:
I learned of this debt by a credit reporting which resulted in my credit score plunging 20 points. American Profit Recovery is breaking the law by : a ) trying to extort payments by placing these alleged debts on my credit report without prior notification. 
b ) utilizing an address that has been invalid in excess of 4 years to send " notifications '', realizing that those " notifications '' were not accurate so that I could dispute it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-22 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: CA

Complaint narrative:
I DISPUTED A COLLECTION ACCOUNT IN MY CREDIT FIL ( XXXX XXXX ) FOR THE AMOUNT OF XXXX DOLLARS.THE AFOREMENTIONED ACCOUNT WAS DELETED FROM MY FILE IN XX/XX/2018.I DISCOVERED THAT THE SAME ACCOUNT RE-APPEARED IN FILE ON XX/XX/2018.I DID NOT RECIEVE A LETTER OF THE REINSERTION WITHIN THE FIVE PERIOD AS PRESCRIBED BY FAIR CREDIT REPORTING ACT ( SECTION 611 ). THIS IS A CLEAR VIOLATION THAT SAID ACT.

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 2018-10-22 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: Mitsubishi Motors North America, Inc.
State: FL

Complaint narrative:
Hello, Mitsubishi motors is reporting an account that is a paid charge-off that is NOT MINE to XXXX. It is someone with a similar name not me. I called Mitsubish several times and they advised it was not my account but that I needed to dispute it with the credit bureaus.

I informed them they were the ones reporting the mistake and they needed to fix it and they were very rude and told me to send them something in writing. I faxed a letter to Mitsubishi on XX/XX/XXXX stating the account number and it was not my account. I also faxed a letter to XXXX on XX/XX/XXXX with the information and they initialed a dispute with Mitsubishi and it came back that Mitsubishi VERIFIED the item! I called Mitsubishi on XX/XX/XXXX and they advised the account was not mine and notified XXXX on XX/XX/XXXX electronically that this account was not mine. I then called XXXX on the same day XX/XX/XXXX and they stated the Mitsubishi verified the item as accurate and placed yet another dispute for the item not being mine.

This has caused me many hours of frustration and financial hardship as I am being denied loans because of this error! The account number is XXXX and it is someone with a similar name. My social is XXXX and dob XX/XX/XXXX.

I need this account removed from being reported to XXXX as it is not my account! Mitsubishi has advised that it is not mine but they are still verifying the item as accurate with the credit bureaus and telling me on the phone they are notifying the bureaus it is not mine! Please fix this!

Company response to consumer: Closed with explanation