vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-03-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: MT

Complaint narrative:
The problem is with the repayment and the advice/directions of the company. I recently had a baby and attempted to get help with repayment options. Every customer service rep suggested something different all resulting in a deferment or a forbarence. My loans are about XXXX. I have never missed a payment or been late because my credit is important to me. When the reps suggested deferment, they are capitalizing on my loan which is frustrating. I try to stay on top of the payments. Most recently I was notified my payment was going to increase to about {$550.00}. I filed separate taxes from my husband, as suggested by Fed Loan, and submitted a new IDR request through the gov student loan site. My XXXX lender accepted to app and tax information and everything was good. Fed loan denied my request, because it was recertified in XXXX, pre filing separately. They sent a letter stating if I wanted an early recalculation to please sign the form and return it. I complied and uploaded the form on XX/XX/20. I called today, XX/XX/20, to ensure the due payment wasnt going to get submitted to credit reporting because I was waiting for my recalculation. The rep said they didnt have the request and I was going to have to submit another application. I reread the letter their company sent me and she said, '' ya but ... XXXX '' I recapped what she said, at this point being extremely frusterated, and she said that my application would be denied and I needed another application submitted to recalculate payment. I asked her why the letter was sent out that stayed if I signed it, they would recalculate my payment. She was polite but basically ended the call. At this time, I am unsure if i need to resubmit an application or if the signed letter, that they send me, is going to recalculate my payment. I hate this company and they are so hard to deal with. Please help me. I just want an affordable payment. I am not trying to get out of paying my loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-11 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: PROFICIO FINANCIAL SERVICES, LLC
State: IL

Complaint narrative:
Proficio Financial Services has listed an amount owed to XXXX XXXX XXXX XXXX in the amount of {$1800.00} original amount ; {$2200.00} owed as of XX/XX/2020. I recently saw this reported on my credit report, listed under accounts for collection. Proficio Financial Services never provided me a formal letter notifying me of my right to dispute such debt. This debt is not valid and I request it be immediately removed from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Second Round Limited Partnership, Austin, TX Branch
State: NH

Complaint narrative:
I check my credit reports several times a month and this collection for {$890.00} from Second Round just showed up on my XXXX  and XXXX  credit reports. I tried disputing them on agencies websites since XXXX. Date opened was XX/XX/2019 according to XXXX  website. My data was breached when XXXX  lost all that data. Why didn't this account show up on my credit reports until Second Round got it?? All of my actual accounts are in good standing and always have been. 

Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-11 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: OK

Complaint narrative:
After reviewing a copy of credit report a couple of months ago, I realized I've become of victim of identity theft when I noticed several fraudulent accounts that were established without my knowledge or consent. I sent out letters to XXXX, XXXX, and Transunion along with supporting documentation. I also submitted a identity theft report which included a detailed outline of the fraudulent accounts and addresses listed on my credit file. Transunion failed to provide me with any accurate verification of the fraudulent accounts that are currently in dispute. It has been over 30 days and as of now my consumer rights have been violated under the Fair Credit Reporting Act. Transunion never requested a block within 4 days after being notified of the fraudulent accounts from my initial dispute ( 605b ) and continues to report them on my credit file which has caused financial burden as well as denial of credit from creditors. Transunion has failed to provide 100 % accurate verification as per section 609 & 611 constitutes. Transunion has failed to provide any correspondence whatsoever in regards to any of my disputes which is unacceptable. Due to these numerous violations Transunion must be held accountable for their actions and remove the fraudulent accounts from my credit file immediately.

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 2020-03-11 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LD Holdings Group, LLC
State: AZ

Complaint narrative:
Loan Depot conducted a loan analysis and increase my monthly mortgage payment around XX/XX/XXXX. However they failed to notify me of this change. I found out when I received a letter, dated XX/XX/XXXX, from Loan Depot stating my payment was short. I called Loan Depot to find out why ; they explain an analysis is conducted once a year to adjust for taxes and insurance changes. I informed them that I did not received and ask for the analysis to be mailed to me. I have never received the analysis but adjusted my recurring payment through my bill pay service accordingly. Come XXXX, I received a call that they did not receive my payment. On XXXX XXXX, XXXX, I had my bank fax verification that the payment was made electronically. On XXXX XXXX, XXXX, Supervisor XXXX left me a message that the payment was received and returned to me because the payment was short. To my surprise, Loan Depot once again increase my payment without any notice effective XXXX XXXX. According to two different Loan Depot associates, the check was sent back on XX/XX/XXXX or XX/XX/XXXX, check number XXXX. On XXXX XXXX, XXXX, I called Loan Depot and informed I did not received the check and for a stop payment to be placed and reissue. I called again on XX/XX/XXXX to find the status of the check because I still have not receive the check. I was informed that the stop payment was done on XX/XX/XXXX but a new check have not been issued but will be within the next 7 - 10 days. In the meantime Loan Depot continue to apply late fees and additional interest to my loan. I believe this is Loan Depot way to charge additional fees and damage credit to keep customers with them, preventing to from re-financing with the best rate.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
On XX/XX/XXXX I requested Equifax to verify in writing a copy of wet signature contracts proving the bankruptcy & debts were mine. On XX/XX/XXXX Equifax completed their dispute process & advised that the public record was verified via XXXX as being mine & dated XX/XX/XXXX as the verification date. I have a letter from XXXX that my consumer report was frozen on XX/XX/XXXX & nothing would be released without me lifting with my pin number. I also submitted a copy of a letter dated XX/XX/XXXX from the Chapter XXXX court stated they didnt report any info on me to any consumer reporting agency. Equifax has not provided me with a wet signature contract & their report states the info I requested to be removed was verified. They also state the public record bankruptcy was verified via XXXX on XX/XX/XXXX. They both are violating the section 609 ( a ) ( 1 ) ( A ). I also provided a copy of a 14039 affidavit from the IRS that I am a victim of identity theft as someone used my SSN to file federal taxes. This alone without a copy of the contract justified removal from my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-11 00:00:00
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Credit Service Company, INC
State: CO

Complaint narrative:
I am being collected for a medical bill by Credit Service Company INC of XXXX  XXXX, phone number : XXXX, which has bought my supposed debit from Accounts Receivable. Although I have already disputed the bill amount directly with the hospital ( the amount was inflated, so much that the doctors decided to change provider ), and although I have notified in writing Accounts Receivable, they have reported the collection which has now affected my XXXX  credit score. I believe this practice is illegal, and one disputed medical bill ( out of dozens I have paid normally ) should not affect my XXXX   score and hence my ability to get a loan. Thank you for your patience and for looking into this matter.

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 2020-03-11 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 just got my credit report from my mortgage lender and noticed a few errors reporting to my credit file

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-11 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: SC

Complaint narrative:
These accounts and inquires I had nothing to do with

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-11 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: SC

Complaint narrative:
These accounts and inquires I had nothing to do with

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 2020-03-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: DC

Complaint narrative:
In early XX/XX/XXXX, I spoke with a representative from FedLoan Servicing concerning my Public Loan Forgiveness and was told to recertify my PSLF and apply for XXXX  Loan Forgiveness. They stated I could complete both forms and see an even greater reduction in my student loan debt. I filed the paperwork in XX/XX/XXXX and had made 53 of the 120 qualifying payments. I requested a forbearance for a few months because I relocated and when I called to cancel it and resume payments, Fedloan had placed me in its own forbearance for the XXXX Loan Forgiveness, which removes {$5000.00} off of the overall loan. They would not allow me to remove that forbearance, which remained on my account for several months. 

In XXXX or XXXX, the forbearance was lifted, I received {$5000.00} off my student loans, but the interest that accrued made my student loan increase by around {$3000.00} higher than it was when I applied and received the discount. There was zero benefit to me as a lender and it increased my overall loan amount. When I called FedLoan in XXXX about the issue, I was told by a very disgruntled employee that there was nothing that could be done and that my PSLF qualifying payments would start over because I completed the paperwork for XXXX Loan Forgiveness, which one of their employees told me to complete in order to decrease me loan. At present, my qualifying payments went from 53 to 5, which is completely unacceptable. I would have never applied for the XXXX Loan Forgiveness if the employee hadn't informed me it would help my situation, and if I had known it would restart my qualifying payments. I was nearly 50 % complete with making qualifying payments and now I have to start over from scratch, with a loan amount that is much higher than when I started paying FedLoan Servicing in XX/XX/XXXX and when I submitted the applications in XX/XX/XXXX. This is unfair, unacceptable, and a complete rip off.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC
State: GA

Complaint narrative:
We had our property taxes substantially reduced by our county of residence, submitted all the required documentation to AmeriHome Mortgage three months ago ( we have proof ) and AmeriHome still have not adjusted our mortgage escrow payment. We have proof also that XXXX County ( Ga. ) did approve our homestead exemption application resulting in a {$200.00} a month savings for us. 

I have contacted AmeriHome escrow department three times and talked to a supervisor there as well. They continue to stonewall what should be a cut and dried process. Their finance department refinanced our mortgage in one month but it has been three months since we requested their escrow department to upgrade our escrow monthly withholding.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-11 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: AR

Complaint narrative:
I was informed by my credit lender that I was not approved for a personal loan I was needing because of derogatory items on my credit history. I then decided to pull my credit to myself and I noticed several unknown items. Please remove these fraudulent accounts from my report. Thank you. 

XXXX  XXXX {$620.00} XXXX XXXX/XXXX  XXXX {$0.00} XXXX XXXX XXXX XXXX {$140.00} XXXX/XXXX  XXXX {$120.00} XXXX XXXX XXXX  XXXX {$0.00} XXXX XXXX XXXX XXXX {$190.00} XXXX XXXX XXXX XXXX {$12000.00} XXXX XXXX XXXX XXXX {$930.00} XXXX XXXX XXXX {$800.00} XXXX XXXX XXXX  XXXX {$930.00}

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 2020-03-11 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: AA Recovery Solutions, Inc.
State: AK

Complaint narrative:
My mother received a phone call from someone claiming to work for : A'A Recovery Solutions. 
XXXX XXXX XXXX ) XXXX or ( XXXX ) XXXX He claimed I have an account called XXXX XXXX XXXX XXXX, and claimed there is a delinquent balance that has been sent to him for collection. 

I have spoken with customer support at XXXX XXXX XXXX and assured my accounts are all in good standing, they further reassured me that all collections on delinquent accounts are handled in house. 

I made a phone call to the number listed above, spoke with " XXXX '' and when he realized I was not going to give him and personal information he got combative and hung up. 

I have checked my credit reports and do not have any delinquent accounts or outstanding debts. This is an obvious phishing attempt and inappropriate use of my personal information.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN

Complaint narrative:
I was a customer of Bank of America for a long time but am tired of the XXXX XXXX  XXXX I always end up dealing with, so I closed my last remaining account on XX/XX/20. The account had a negative balance of about {$170.00} so I made a trip to a local branch and made a CASH deposit with the help of a banker to make sure everything was handled, that all debts were settled, and that all my XXXX ties could be severed. LO AND BEHOLD less than 2 days later I get a message saying my rent payment of {$1400.00} was rejected and from what I can tell it's because I had a balance of {$1400.00} in the bank. SO it was rejected because of a {$.00} difference because some XXXX  XXXX can not count and now they want me to pay a penalty of about {$150.00} because my rent payment was returned.

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 2020-03-11 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
Hello, I made some money on the investment this year, want to find a savings bank deposit some money get some interest, so I opened the Marcus in XX/XX/2020 online savings accounts, for {$17000.00}, in XX/XX/2020 for home in a hurry, I just want to take out {$5000.00} for urgent need, but in the evening my saving account is locked, call customer service to ask the reason, customer service didn't say anything, just ask about personal information, to unlock my savings bank account, log in to the bank on the net, I found that I transferred out of {$5000.00}, has been cancelled! I am very angry, I am a little confused, their money did not take the initiative to control the right, the bank to lock my account does not need a reason, I transfer some funds, the bank can take the initiative to cancel my practice, I do not understand this is my money or this is the bank 's money! I called again to ask, I was very angry to ask what the reason is, give me a statement, why do this? The customer service said that we need to verify your external link bank, the bank documents are my name of the bank! I asked how to verify, and the customer service staff said that the monthly statement of the bank should be sent to them, and then they can review it before I can continue to use my savings account. I said helplessness, it takes too much time, can I use email or phone online verification? The bank customer service says, can't, can send my bank monthly statement to them only, after they finish checking next, think to have no problem, I just can use my account again! I was very depressed, thinking is this my money or this is the bank 's money! It's like begging. It's not a good feeling! I said I used my savings account to pay my credit card. Why didn't you tell me yesterday that my savings account was locked and could not be used? Because log in the bank on the net, did not show any abnormal, also did not have any mail or message to remind me to can not use, however my reimbursement was returned like this, still paid extra fee, these losses who is to bear after all? My family is in urgent need of the money. What should I do? Personally, I have never met such financial institutions, such irresponsible treatment of their customers! Who will ultimately bear the cost of this incident? Marcus bank won't give me the use of my own money, I really have no way, feel so helpless! Hope to get your company 's help! thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-11 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: AZ

Complaint narrative:
While I was attending the University of XXXX for 7 years I obtained Student Loans. I graduated in XX/XX/XXXX. I did not have Navient as my loan carrier I had XXXX. XX/XX/XXXX I had begun a BK but did not complete it. XX/XX/XXXX navient said I owe XXXX well My loans are like 15years old and I had them paid down to XXXX. I attempted numerous times to ask how they obtained my loan and why it was so much, but no one could explain to me the reason except that is just the way it is. It is very upsetting when you feel you have paid down a debt only to find out it has increased. 
I have worked 10 years in a rural setting. I feel I should have my loans forgiven. 
Please assist me. 
Thank you XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CMI Group, Inc.
State: OH

Complaint narrative:
I was going over my credit report FRAUDULENT ACCOUNTS and I seen unauthorized ACCOUNTS that are not accurate FOLLOWING ACCOUNTS ARE NOT MINE : CREDIT MANAGEMENT # XXXX, DEPT OF EDUCATION/XXXX  # XXXX, DEPT OF EDUCATION/XXXX  # XXXX, DEPT OF EDUCATION/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. They are in violation of FDCPA XXXX.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-11 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 just got my credit report from my mortgage lender and noticed a few errors reporting to my credit 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 explanation
Consumer complaint received 2020-03-11 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: CA

Complaint narrative:
I just got my credit report from my mortgage lender and noticed a few errors reporting to my credit 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 explanation