vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-04-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: MRS BPO, LLC
State: OH

Complaint narrative:
I received a bill from XXXX on XX/XX/2019 for {$710.00}. I had several accounts opened in my name and knew that this was a part of my identity theft issue.I immediately called the detective handling my identity theft case so he could update my police report.I called XXXX that same day and they said they would not discuss anything with me until I had filed an identity theft report through them. I followed the steps XXXX told me to take and attached a copy of my police report. I did not hear back from them for two weeks and assumed the problem was handled until I received another bill. It took me three days and several tries to get through to XXXX because I kept getting transferred to other departments or put on hold for so long that the call would disconnect. When I finally got through to them, they told me I had submitted an incomplete police report. I knew this was not true so I asked them what information they needed on it to accept the report but they said they would not discuss my report or give me that information. I was then given paperwork from the detective handling my case to fill out. Once that was done he submitted it to them stating that they had to close this account, but they said they would not comply. I have since received another bill. I got this bill on XX/XX/2019 for {$3800.00}. I also received a letter from a debt collector on XX/XX/2019. This company is called MRS. MRS will not comply when I tried to challenge them because they said the information submitted to XXXX was invalid. I know that this is not the case because they were dealing with the detective directly. They will not cooperate when asked to provide the information needed to make the report valid.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: NJ

Complaint narrative:
i submitted a complaint previously requesting the promissory notes, if you take a look back at your response there wasn't anything attached. Please provide me with what i am asking for!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: MO

Complaint narrative:
I have tried multiple times on their website as well as calling to make my house payments. 
After going through the touch tone menu it ends up saying their office is closed and gives the days and times they are open but it keeps saying they are closed during those times. 
also when i try to enter my loan info and pay on line it will not accept the loan info or payment attempt. They are claiming i am negative over {$2400.00} in my escrow and have raised my payment that i am unable to pay anyway ... LOL! 

They seem like scam artists trying to grab property through foreclosure especially since they recently picked up my mortgage from XXXX XXXX in XX/XX/XXXX and its been trouble ever since.

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 2019-04-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I have problems with both Bank of America 's Mortgage and Banking over this.

1. Banking-I am adding extra money to may payments to pay down principal. In XX/XX/XXXX I asked Bank of America to increase my automatic payment and they did so by making multiple payments to the Mortgage. Maybe, the Mortgage reporting is the screwiest part of this. It may come back to needing a Banking transfer fix. The B of A checking is my son 's account. I am an authorized signer on his account. I do not personally bank with B of A but my son does so this is how he pays rent for the pool house studio. 
2. Mortgage. Look at this statement. My XX/XX/XXXX payment is categorized as the XX/XX/XXXX payment. What? On XX/XX/XXXX I spoke to customer service. I was told that there had been an error in this reporting and that 15 payments of additional principal, {$1500.00} was " found '' and would be applied to principal. I think that happened, but its hard to tell with how wacko this reporting is. 
3. New letter, dated XX/XX/XXXX says my new payment is {$86.00} from {$100.00}. Since when? Retroactive til when?

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 2019-04-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: GMFS, LLC
State: FL

Complaint narrative:
XX/XX/XXXX-Letter sent requesting PMI coverage cancelation. 
XX/XX/XXXX-Response saying my loan didn't qualify due to LTV ratio and length of loan, but I could pay {$4600.00} to reach my qualifying LTV and  they would cancel. As of XX/XX/XXXX, I started paying additional principal to reach LTV. I paid approximately {$10000.00} in principal for XX/XX/XXXX and XX/XX/XXXX, in excess of {$20000.00} and well above the {$4600.00} they said I needed to pay. 
XX/XX/XXXX-XXXX  to XXXX  at customer care to confirm that my PMI would be canceled XX/XX/XXXX as specified in my PMI disclosure form from my closing on XX/XX/XXXX. He said I can send a letter requesting this even though the disclosure states it will automatically terminate. He states that my LTV is above 80 %. 
XX/XX/XXXX-Spoke with XXXX  ( not a supervisor as I requested ) She states that my LTV is at 74.61 % and the PMI should be canceled but I need to send a letter. 
XX/XX/XXXX- Spoke with XXXX and he insisted I have to send a letter and pay for an appraisal since I've paid extra principal!! He confirmed that my LTV ratio is at 74.61 %. 

I have sent numerous letters and I have a PMI disclosure document that states it will be automatically terminated onXX/XX/XXXX as long as we are current on payments ... .we 've NEVER been late and we have excellent credit, scores are in the 800 's.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-30 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Nelnet, Inc.
State: TX

Complaint narrative:
I recently received a letter in the mail notifying loans with a collection agency. After some research I found that two loans I had with Nelnet, loans " I '' and " J '', had been sent to collectors and set into default status. I was not notified of late payments or notice of approaching default status. After reviewing my personal records with corresponding information given to me via phone conversation, I found these loans had been submitted to default status in XX/XX/2016 without my knowledge. In my review, I found documentation sent to my address I've used for years with Nelnet, of a 60 days past due notice in XX/XX/2016 for the loans in question asking for payment before they became delinquent in total of 90 days past due, yet Nelnet had already sent to collections. I then made a payment in XX/XX/2016, as I was told this would help all of my past due loans from being delinquent. However, since I was not informed of " I '' and " J '' already filed as defaulted, this payment was not applied nor was it communicated that said loans were out of their hands. Now these loans have been in default for 3 years without my knowledge and have accrued almost {$2000.00} in fees and are being handled by a debt collector.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-30 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: NY

Complaint narrative:
I have been living overseas, and unfortunately in that time I have been a victim of identity theft. 
I had a fraudulent credit card debt owed to credit one in the amount of {$1600.00} USD. 
XXXX XXXX has since then sold the debt to two other debt collection agencies, XXXX XXXX, and XXXX XXXX XXXX. 
I have spent many hours on the phone corresponding with these companies and was finally able to prove that the debt is fraudulent and that it does not belong to me. 
I received a letter proving that the file was closed and that the debt is not my responsibility due to fraud. 
I sent the letter to all three of the credit bureau agencies, and only one agency, XXXX has complied and removed the debt. XXXX and Experian keep forcing me to open disputes, which last for 45 business days and then say that the debt is mine. 
Please note, that in the attached letter there is proof that the debt was removed from my responsibility, so I don't understand why Experian and XXXX are refusing to remove the debt from my credit score. 
This is affecting my personal credit and in turn my entire financial wellbeing. 
Please assist me to finally make sure that XXXX and Experian remove this fraudulent debt from 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 2019-04-30 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: MD

Complaint narrative:
Hi, I have an FHA loan with an origination date of XX/XX/11 and have been paying monthly PMI since then which is about 8 years now. Per online regulations at the time and some real estate help and HUD guidelines, was told that once your " loan to value '' ( LTV ) ratio reached 80 % of appraised value, PMI should be cancelled. 
My house value has gone up considerably and I have written to Carrintgon Mortgage Services couple of times asking to have the PMI removed, they come back saying ( to suit their convenience ) that they will not look at the current value but, the original appraised value. This is really unfair, since when I bought the house in 2011, this was the expectation. 
I have not missed any payments and feel that CMS can not use whatever suits or benefits it to not waive my PMI. This is per HUD guidelines, and it is important that rules also help FHA loan consumers while protecting mortgage companies. 
Thanks in advance for your help in removing my PMI by Carrintgon Mortgage Services and use current value of the house for LTV, with loan origination in 2011 and no missed payments. 
Kind Regards.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-30 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Deposited settlement check from former employer for approximately {$40000.00} a large amount so not unexpectedly a hold of 3 days was placed. On day funds were to be avail ( today ) I get a new email saying five more days ate needed. I called and told Chase Bank could not confirm check hence an additional hold. I asked if anything I can do, like contact the company who signed the check a, which is Fortune 500 company, and therefore shouldnt be hard to validate check. I wonder if hold is due to my XXXX? I have been a member of Chase for at least 2 years and NOT A New Customers. Why the hold up and changing reasons??? Is Chase not comfortable with an XXXX XXXX trying to deposit their hard earned paychecks!!!! Im upset!! ( Told section that has hold is operating loss prevention is this where XXXX XXXX  deposits are held??? Cant be legal!!! And

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MA

Complaint narrative:
Company threatening to repossess the vehicle. Filed multiple complaints and retained an attorney. Notified usaa of the attorney. On Saturday usaa removed the debt from my credit report. Company is now refusing to talk to me about the removal from credit report. Willing to pay whats owed but I want an explanation first. Attorney said this is a good thing and good chance now its removal means no longer obligated to pay. I want an explanation before payment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-30 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: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
Capital One : On XX/XX/XXXX I got a call from Capital One advising that an application was opened in my name and they want to verify the information. 
On XX/XX/XXXX, I get the message from my phone and I call them back. 
The first thing I advise is that the name they said the application was opened with, is actually not my name. 
The agent asked for the last 4 digits of my social security number and I refuse to provide it. I ask her why would I continue to provide confidential information on an account that is not mine. The name on the account is not my name. I insist she must have another way to verify the account. 
She then looks to the city and state where the account was open and we discover that I do not live in that city/state ... and so again the account is not mine. Yet she is telling me that she can not close the account because I won't give her the last 4 digits of my social security number..but that she will instead notate the account that I called. 

When I am not pleased with this she transfers me to the fraud team only for that person to advise that he needs to transfer me to the application team because he can't see the application. So I transfer back to a different agent, clearly the account wasn't notated because she wants to start from the very beginning and now I am frustrated. In the end she does nothing. Says she can not help me. 
I don't understand the logic here. You called me and I am returning the call. We have verified that the name is not mine and the city/state is not mine and I am advising that I haven't opened an account. Why would you expect me to continue to reveal my personal information on an account that I am advising is not mine. I don't have an account with Capital One. I would not have an account as they serve people who are at the lower end of the credit rating scale.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-30 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: VA

Complaint narrative:
Someone else has used my credit they have bought cars and got loans her name is XXXX XXXX XXXX. I have contacted you guys about this and my case was closed. I would like for you to take this things off my credit report please.

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 2019-04-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WAKEFIELD & ASSOCIATES, INC.
State: CA

Complaint narrative:
I am a victim of identity theft. please remove this fraudulent charge from my credit report asap. XXXX XXXX XXXX XXXX BALANCE {$210.00} XXXX XXXX XXXX XXXX, TN XXXX ( XXXX ) XXXX XXXX REPORTED TO XXXX IS NOT MINE. I WILL BE LOOKING TO SUE SOMEONE FOR THIS MISTAKE. XXXX IS REPORTING THE SAME THING UNDER A DIFFERENT NAME. WAKEFIELD ASSOCIATES XXXX {$210.00} XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX. SO THEY HAVE TOO ACCOUNTS UNDER DIFFERENT NAMES THATS ILLEGAL. I AM ALSO A VICTIM IN MULTIPLY DATA BR. XXXX, XXXX, XXXX XXXX. MY HOME OWNER GOALS ARE RUINED BECAUSE OF THIS {$210.00} DOLLAR PLEASE BLOCK FROM MY CREDITREPORT THANKYOU. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX. I NEED A PROMPT REPONSE. WAS TRYIN TO PURCHASE PROPERTY ON MY BIRTHDAY XXXX ID XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I have been living overseas, and unfortunately in that time I have been a victim of identity theft. 
I had a fraudulent credit card debt owed to XXXX XXXX in the amount of {$1600.00} USD. 
XXXX XXXX has since then sold the debt to two other debt collection agencies, XXXX XXXX, and XXXX XXXX XXXX. 
I have spent many hours on the phone corresponding with these companies and was finally able to prove that the debt is fraudulent and that it does not belong to me. 
I received a letter proving that the file was closed and that the debt is not my responsibility due to fraud. 
I sent the letter to all three of the credit bureau agencies, and only one agency, XXXX has complied and removed the debt. Equifax and XXXX   keep forcing me to open disputes, which last for 45 business days and then say that the debt is mine. 
Please note, that in the attached letter there is proof that the debt was removed from my responsibility, so I don't understand why XXXX and Equifax are refusing to remove the debt from my credit score. 
This is affecting my personal credit and in turn my entire financial wellbeing. 
Please assist me to finally make sure that Equifax and XXXX remove this fraudulent debt from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-30 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:
this is my second attempt to write to consumer protection bureau, i have been a victim of ID theft and three unfortunate accounts were opened under my name with out my knowledge, i have attached my police report due to that matter, please help me in this issue, i do not know where else to turn to, you are my last hope, if i had the money i would have definitely hired a lawyer to resolve this issue, but unfortunately i do not, please i would greatly appreciate you help thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-30 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: GREAT LAKES
State: IN

Complaint narrative:
I graduated from XXXX school and immediately consolidated my XXXX and XXXX loans through XXXX who then sold to Great Lakes and began making payments. I applied yearly for the income-driven repayment plan and was approved. I made payments on time every month through direct deposit for 7 years. My loans were never in deferment. 

I recently discovered that after 25 years my loans will not be forgiven because of making greater than XXXX a year. I have paid XXXX over the past 7 years and my principle is still the same as when I started and I've accumulated XXXX in unpaid interest. I feel misguided and taken advantage of. Essentially its been a 7 year and XXXX loss for me. I was under the understanding that if I make my income driven payments on time for 25 years that my student loans would be forgiven. 


Since discovering this I've refinanced through XXXX  at a lower interest rate. I had to combine my principle to the XXXX of interest and now I'm paying $ XXXX/month for 20 years. That XXXX of interest is now collecting interest again through my new plan. 


I didn't know that it was legal for a company to have you yearly apply for income-driven, be approved, and given a monthly payment that didn't cover the cost of interest. What would have happened after 25 years of payment when I thought my loans would be forgiven? Essentially I'd have the same principle I started with and XXXX of unpaid interest. I am so discouraged, disappointed in the guidance or lack thereof provided by Great Lakes.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-30 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
We used the XXXX card to pay for 3 different dental procedures over the span of 2 years and we were given 18 mo. to pay off each procedure without incurring interest.

After we used the card for the first procedure, we set up auto-pay through our bank to ensure that amount would be paid in full prior to the conclusion of the 18 mo. promotional period ; however, XXXX began applying those payments to all 3 charges which cased the first to exceed the 18 mo. 

We contacted XXXX to request they waive the interest and we would pay the entire balance in full which they denied. Additionally, they were unable to assist us with questions regarding charges more than 1 year earlier, telling us we needed to write a letter to inquire about charges prior. 

The rep we spoke to even mentioned this " is like a credit card '' and as such, first dollar in should be paid, as is the case with every other credit card. XXXX prays on people with busy lives who rely on clear understanding up front. XXXX argues the terms of how payments are applied are noted in the terms however I see no such information noted in the terms on the reverse of the latest statement. 

BEWARE OF XXXX XXXX PREDATORY PRACTICES. IF YOU HAVE MORE THAN ONE PROCEDURE, CONTACT THEM TO ENSURE YOUR PAYMENTS ARE BEING APPLIED THE WAY YOU WANT/EXPECT.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-04-30 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: FL

Complaint narrative:
THE DISPUTED ACCOUNT AND INQUIRIES DOES NOT BELONG TO ME, THOSE ITEMS WERE INACCURATELY PLACED ON MY CREDIT FILE. PLEASE HAVE THOSE NEGATIVE ITEMS REMOVED OFF MY FILE.

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