vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-01-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Nations Direct Mortgage, LLC
State: FL

Complaint narrative:
Let me start at the beginning, that works best. 
On XX/XX/18 I received an appraisal of {$71000.00} to buy the property my wife and I own at present. On or about XX/XX/18 we closed on the property and the loan balance at that time was {$63000.00}. 
By XX/XX/18 we had made additional payments on the balance of the mortgage and reduced the balance to {$57000.00}. Also by XX/XX/18 we had put a new shed ( {$5000.00} ) on the property and installed a new laminate wood floor ( {$2000.00} ). The new balance was about 75 % of the appraised value of the property. 
On XX/XX/18 I made a written request and email request to the lender to cancel the PMI for the mortgage because the balance of the mortgage was less than 80 % of the appraised property value. The lender responded that I must have a certified appraisal done in order to have the PMI canceled. The lender also informed me that the new appraisal would be valid for a period of 12 months. When I sent the lender my appraisal it was less then 6 months old, but the lender would not accept my appraisal. On the one hand the lender will not honor my appraisal that is less then 6 months old, but will honor their appraisal for 12 months. 
Since that time I have paid the PMI and made additional payments to the loan balance. To date the balance is about 32 % LTV. When I contact the lender I get the same song about a new appraisal to cancel the PMI. 
We are living in the home and made it comfortable since it is our only property. We are paying taxes on the property and all utilities are connected. 
I feel like the lender is being unreasonable and charging the PMI without regard to the terms of the mortgage. Also they have one standard for the appraisal they would provide and another standard for the appraisal that I provided in order to get the mortgage. 
Your help is requested to have the PMI canceled and a refund made of the premiums from XX/XX/18. 
Thanks XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-14 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: EQUIFAX, INC.
State: MT

Complaint narrative:
There are 4 XXXX  XXXX XXXX error 30 day late payments reporting XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX which need to be updated to on time. Due to XXXX XXXX Error payments were made on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: AES/PHEAA
State: NJ

Complaint narrative:
On XXXX, I sent a letter to American Education Servicers, better known as " AES '' to explain that my loan has passed the 25 years mark and that my loan should be cancelled and sent to the IRS as a cancelled debt. 
They have not shown me that they have proof of my original loan that would validate that it has been 25 years. They instead respond to my letter with a suspect copy of a document with " my signature '' and is dated XXXX. It does not have any information that is recognizably reflecting my school, current address or attendance date. 


I also just found out that all this time when I was asking for income-based repayment, all they did was keep giving forbearances instead of taking the calculating a payment for me based on my income all these years. 

In XXXX, AES also responded to my letter by just sending a " Your Payment Is Due '' statement. In XX/XX/XXXX, they denied me another forbearance and then sent another letter asking if I would want to request forbearance papers again. 

They are not honoring anything they have sent to me regarding the policies of student loan debt collection and know that my student loan should be closed out and cancelled immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-14 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Williams & Fudge, Inc
State: TX

Complaint narrative:
Dear Williams & Fudge Inc., WFCORP, WFCARES, Williams and Fudge, or whomsoever may this concern. 

I am responding to your contact about a debt you are attempting to collect. You contacted me twice by email on the same day ; the first email was received on XX/XX/2019, at XXXX XXXX   stating I owed {$5900.00} for an account placed with your office for collections, and again, the same day, XX/XX/2019, at XXXX XXXX, I received a second email for the same account with the amount due {$15000.00}. 
Both emails identified the debt as having been placed with your office for collections and suggested I contact your office to clear the outstanding debt or use one of the various payment methods provided. Both emails contained disclosures that this was debt collection, and any information obtained would be used for that purpose. As of XX/XX/XXXX, I tried contact your office via the direct number provided for the agent, but have yet to receive a call back. I never received the written notice of my option to dispute this within 5 days of this email contact, which was the first contact I received from your company. 

Record that I dispute having any obligation for this debt. If you forward or return this debt to another company, please indicate to them that it is disputed. If you report it to a credit bureau ( or have already done so ), also report that the debt is disputed. 

Thank you for your cooperation. Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-14 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CMRE Financial Services, Inc.

Complaint narrative:
Email to CMRE dated XX/XX/XXXX : Dear Ladies and Gentlemen, I am referring to the call on XX/XX/XXXX when I spoke to you regarding the above mentioned Account. 

On this occasion I have been giving your customer service representative insight into the following circumstances : - l have been visiting the US as a tourist, - That I informed hospital staff that I would not be able to receive correspondence at the address you and they have on file as I was a visitor there, - and having in return been informed by staff that no further payment will be required, as the {$300.00} paid by myself was the standard flat charge for international visitors to the US. 

Based on this information, your service representative informed me, that the case will be placed into a dispute status and will be reviewed by a senior manager. 

Please let me know the outcome of this review. 



Email dated XX/XX/XXXX Dear Ladies and gentlemen, Referring to the account stated in the subject, I have tried to pay my bill 8 times. 

Again, I am not as US citizen, do not have a US address and the address you have on file is that of a friend I visited. 

After it being declined numerous times online, I spoke to one of your customer service colleague. They told me the issue was with my card issuer. 

I called XXXX XXXX subsequently, who added the US address you have on file to my account temporarily. Still, the charge is being declined by you. 

As you can tell, probably also from your records, I am very much trying to settle this matter, however, it almost appears that CMRE does not want me to pay! 

However, after multiple and very costly international calls at {$2.00} a minutes, multiple attempts to pay online, multiple email and multiple call to my card issuer XXXX XXXX, I do feel that I have tried all available options without any success. 

I thus feel that I have done my due diligence in trying to settle this account. 

Therefore, I would ask you to contact me with a proposal on how to settle this account. 
Please contact me within the next five business days either using the phone number below or by responding to this email. 
Phone : XXXX XXXX XXXX Please note that, should I not receive a response within five days, I will make the effort for another few costly international calls XXXX the US to file a formal complaint with your client XXXX XXXX XXXX , XXXX XXXX XXXX, your regulating authority as well as directly yourselves. 


The letters received by CMRE at my friends adress are uploaded as attachments. The first letter came out of the blue as I was completely unaware that I had any debt due to the statement the hospital made about a flat charge for international visitors.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-14 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: LoanCare, LLC
State: FL

Complaint narrative:
XXXX/LoanCare sent a mortgage statement including an unpaid fee of {$XXXX}. I contacted them and talked to XXXX ( XXXX ), who clarified that the unpaid fee is related to a property inspection performed by the former loan servicing company XXXX. 

They said that the inspection was executed to know if anyone lives in my property, which I think is an absurd excuse since I have been paying my mortgage every month since XX/XX/2007. In more than 30 years I had dozen of mortgages and I have never been contacted to perform such inspection by any financial institutions or loan servicing companies. 

I live in a Condo unit and no one can access or visit my apartment unless Im there and authorized it. I never received such a request. If there is a fake inspection report, I would like to view it to find out how they got in without my authorization.

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 2020-01-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: DISCOVER BANK
State: IN

Complaint narrative:
We had many fraudulent charges on our discover card. We reported them and then received a letter saying they didnt suspect fraud. Because some of the charges were at places we shopped. I cant believe we are forced to pay for purchases we did not make. I filed a police report but they said to contact the credit card company which we did We are elderly and really didnt notice some of the fraud charges until months later. When we started looking we went back 5 months and found fraud. None of these charges were recognized by discover as fraud. What can we do

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-01-14 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: GA

Complaint narrative:
My information/identity has been compromised via Experian Credit reporting. XX/XX/XXXX I received an e-mail stating my e-mail address had been changed ( which i did not do ). I use XXXX   XXXX  to monitor my credit. The following day I also received a notification stating there had been a " hard inquiry '' via XXXX  using my identity. I have contacted the company that completed the inquiry ( XXXX  XXXX  XXXX  ) and they have been little or no help. They keep referring me to Experian. I have tried numerous times via telephone to reach a live person to resolve this issue. Every number I get leads to an automated message ( no options to speak to anyone ) I finally relented to sending in documentation ( my picture Id, copy of a bill in my name with address, and a screen print of the hard inquiry with the company in questions name ) requesting removal of this hard inquiry and placing a fraud alert on my accounts. I also placed a security freeze on all my accounts pending resolution. I'm mostly concerned : 1 ) with getting this removed from my credit permanently 2 ) The fact as a consumer someone can compromise my identity with a few clicks of a button and possibly a telephone call. I on the other hand have to go to great lengths ( still with no satisfaction ) to get to speak to someone to at the very least alert someone immediately to flag my account or something of this nature. It is very unsettling to just hang in the balance, until someone may receive a piece of mail and then process it, all the while someone could be out there using my personal information. Please contact me asap and assist me in resolving this issue. Thanks in advance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: TX

Complaint narrative:
I have been with XXXX for many years I would say over 10 to be exact. Two years ago I rcvd a notice that I had a delinquent account and I was like that's not possible I called XXXX and they said we don't see that you are delinquent. So I disregarded the notice. When I then rcvd another one saying I was delinquent called back and gave them the account number on the notice and they found an account in my name for I believe XXXX dollars. I advised them that was not mine and that my real account with them has never been delinquent. They researched the account and found that it was a fraudulent account and deleted that account. About two months after that I started getting another delinquent notice from XXXX  but this time is was for XXXX for a phone and a phone line. I called XXXX  saying I rcvd another notice about another account in my name that was opened. When they researched it they stated that they would not remove it because the number associated with the fraudulent account called my real number. I told them how was I supposed to know that someone who obviously stole my info would call my number. The pretty much told me that I would need to research it myself to see who stole my info because its someone I know. The only thing they told me in regards to the fraudulent account is that someone went in one of the stores and opened the account and that they could not do nothing because it was a 3rd party authorize company. I told XXXX  that they would still be liable because before a new phone line is opened they have to verify my identity by looking at my ID and this did not happen because they would have seen that this person was not me. To this day I still have my real account with XXXX  but they are still holding me liable for letting someone open an account in my name

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 2020-01-14 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: GA

Complaint narrative:
My information/identity has been compromised via XXXX Credit reporting. XX/XX/XXXX I received an e-mail stating my e-mail address had been changed ( which i did not do ). I use XXXX XXXX to monitor my credit. The following day I also received a notification stating there had been a " hard inquiry '' via Transunion using my identity. I have contacted the company that completed the inquiry ( XXXX XXXX XXXX ) and they have been little or no help. They keep referring me to XXXX. I have tried numerous times via telephone to reach a live person to resolve this issue. Every number I get leads to an automated message ( no options to speak to anyone ) I finally relented to sending in documentation ( my picture Id, copy of a bill in my name with address, and a screen print of the hard inquiry with the company in questions name ) requesting removal of this hard inquiry and placing a fraud alert on my accounts. I also placed a security freeze on all my accounts pending resolution. I'm mostly concerned : 1 ) with getting this removed from my credit permanently 2 ) The fact as a consumer someone can compromise my identity with a few clicks of a button and possibly a telephone call. I on the other hand have to go to great lengths ( still with no satisfaction ) to get to speak to someone to at the very least alert someone immediately to flag my account or something of this nature. It is very unsettling to just hang in the balance, until someone may receive a piece of mail and then process it, all the while someone could be out there using my personal information. Please contact me asap and assist me in resolving this issue. Thanks in advance.

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 2020-01-14 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: F.H. Cann & Associates, Inc.
State: NC

Complaint narrative:
Complaint against F. H. Cann & Associates Inc I have contacted the collection company F. H. Cann & Associates, Inc several times, agree to pay {$200.00} ( set up auto pay ) instead of {$1000.00} per month. I am unable to afford to pay {$1000.00} per month. I have water, electric, child expense, repair membership fee, medical bills, ... etc. I can not afford to pay {$1000.00} per month, And in fact, F.H Cann did withdraw {$200.00} per month from my bank for many years. 

Now, F.H. Cann & Associates Inc threatened me and released my debts to XXXX, XXXX, XXXX, etc., which stated that " late payment, serious delinquency '' were false allegations and false statements, and violated consumers ' privacy rights. *** I set up an automatic payment of {$200.00} per month, and this debt collection company does withdraw money from my bank every month. 

There is also FH Cann & Associates Inc. The malicious intention is not to use its company name to represent XXXX, XXXX, XXXX  ... and other credit reporting companies. They use the " education department '' name to represent XXXX, XXXX, XXXX ... company, that is ( 1 ). False statement, false accusation ( 2 ). Violation of customer privacy ( 3 ). Destroy my reputation, character and professional career and unable to get any credit cards or get loan and unable to find job.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-14 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: Applied Business Services, Inc.
State: NC

Complaint narrative:
I hav disputed this exact collection with other bureaus and with the company, and XXXX  and XXXX  both did not receive sufficient enough information to verify. Although, XXXX  is still reporting this, and I have requested disputes on this account. It appears to be a Ambulance and/or medical bill. 

I can not verify the authenticity of this as they have not and legally can not provide that information. So through XXXX, I requested that they receive documentation regarding this dispute, and it has just been completed. So, for one, the only way the representative stated he would verify the account is social and date of birth, although I feel like a victim in the sense of I can not even receive verification, nor have I ever received a bill for this account in question. 

Also, why would 2 bureas remove the collection while 1 can not? And on top of that, if they did provide patient information ( to include name, date of birth, and social ) and/or documentation, that is a clear violation of HIPAA laws, due to medical information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-14 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Receivables Performance Management, LLC
State: MA

Complaint narrative:
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report. 

The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

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 2020-01-14 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: FIRST NATIONAL BANK OF OMAHA
State: MO

Complaint narrative:
Back in XXXX of 2011 I lost my wallet with all my personal information in it, as a result several credit accounts ware open in my name, I filed a police report and notified all the companies involved, most of the companies took care of the theft appropriately but a few companies responded that the debt was valid after they investigated the account, I then wrote the company back asking them how they came up with this outcome, because i was Curious On how they could say this when I know I didnt apply or open this particular fraudulent account, I never received a response from any of these companies ever again and they continue to ruin my credit as a result, this is extremely unfair and Im at a point to where I dont know what else to do to get these companies to comply with or work with me in any way or fashion. I have also had close family members open accounts in my name that I have disputed and the companies will not assist me in fixing the issue. I dont know what else to do!

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 2020-01-14 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: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
I have files a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and i haven't received any investigation results

Company response to consumer: Closed with explanation