vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-12-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: SC

Complaint narrative:
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.

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 2019-12-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: SC

Complaint narrative:
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-12 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: AES/PHEAA
State: CA

Complaint narrative:
I have requested from Fedloan Servicing the promissory note after sending a goodwill letter to them and have not been furnished anythings for 4 different Fed Loan student loans listed on my credit report. Additionally I was requesting from them a request of debtness from all of these loans that they have been reported to my credit file. Additionally, There are several 30, 60, 90, and 120 day lates, but I am currently on income driven payment plan and have been for years. I feel there is a lot of confusion and a lack of follow through on fed Loan servicing side and I need help to exercise my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-12 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:
I recently reviewed my credit report and I discovered some inaccurate accounts reporting on my credit file. Those derogatory accounts do not belong to me and I have no knowledge of those accounts. I have no idea who would have access to my credit report and because of this, I have no chance of acquiring new credit. Please conduct re-investigation into this matter and have those derogatory accounts removed off 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 non-monetary relief
Consumer complaint received 2019-12-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BTH Management
State: SC

Complaint narrative:
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: PLANET HOME LENDING, LLC
State: CA

Complaint narrative:
Behind on Loan 3 months. My Father has a hardship of health problems. He had XXXX XXXX XXXX this past XX/XX/2019. Was in the Hospital for 1 month he could no longer work. My Parents receive XXXX dlls in SS income my Brother that is a XXXX. in XXXX Idaho helps with XXXX dlls per month. The Loan is with Planet Home lending. Called Bank asked them to help with the late payments of the loan to make them current. They have denied help and wont take to consideration my Brothers XXXX dlls help each month. The reason he dose not live at the property. He dose visit them every weekend. Please help this is the first time my perants are asking for help. They do not want to loos there home.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-12 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: IN

Complaint narrative:
I made a payment in XXXX and over paid by {$160.00}. I called to make my payment in XXXX and asked if they could apply the {$160.00} to my current months payment. The representative did this and processed the payment in my account. I then the next week started to get collection calls from them. I spoke with a representative and was advised my payments had not been made. I was then told that there was a glitch in the system and my payments were lost. I have called everyday almost trying to figure out what they did to my payments. I am now told on the call I am delinquent but they are working it out and will now take 20 days to resolve my payment issue. I call them and it takes at least 45 minutes to get someone on the line. They even have the nerve to go over foreclosure info with me like I am about to lose my home due to there error

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I recently reviewed my credit report and I discovered some inaccurate accounts reporting on my credit file. Those derogatory accounts do not belong to me and I have no knowledge of those accounts. I have no idea who would have access to my credit report and because of this, I have no chance of acquiring new credit. Please conduct re-investigation into this matter and have those derogatory accounts removed off 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 2019-12-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I recently reviewed my credit report and I discovered some inaccurate accounts reporting on my credit file. Those derogatory accounts do not belong to me and I have no knowledge of those accounts. I have no idea who would have access to my credit report and because of this, I have no chance of acquiring new credit. Please conduct re-investigation into this matter and have those derogatory accounts removed off my credit file

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Receivables Management Corporation
State: SC

Complaint narrative:
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have requested from XXXX XXXX the promissory note after sending a goodwill letter to them and have not been furnished anythings for 4 different XXXX XXXX student loans listed on my credit report. Additionally I was requesting from them a request of debtness from all of these loans that they have been reported to my credit file. Additionally, There are several 30, 60, 90, and 120 day lates, but I am currently on income driven payment plan and have been for years. I feel there is a lot of confusion and a lack of follow through on XXXX XXXX XXXX side and I need help to exercise my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-12 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have requested from XXXX XXXX the promissory note after sending a goodwill letter to them and have not been furnished anythings for 4 different XXXX  XXXX student loans listed on my credit report. Additionally I was requesting from them a request of debtness from all of these loans that they have been reported to my credit file. Additionally, There are several 30, 60, 90, and 120  day lates, but I am currently on income driven payment plan and have been for years. I feel there is a lot of confusion and a lack of follow through on fed Loan servicing side and I need help to exercise my rights.

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 2019-12-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Receivable Solutions, Inc.
State: SC

Complaint narrative:
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-12 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 ACCEPTANCE CORPORATION
State: OH

Complaint narrative:
My credit reports ( XXXX, XXXX, and XXXX  ) show a balance of {$4900.00} for a repossession of a car that was owned by my daughter. The payment history for each of the credit bureaus is not reported consistently. Also, I have a document showing the balance was approximately {$2900.00}, two months after the repossession and prior to the sale of the vehicle. I would like all documentation from the creditor to be provided.

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 2019-12-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC.
State: LA

Complaint narrative:
Today I was called 7 times starting at XXXX the most recent call being at XXXX from 3 different numbers claiming to be Navient. The phone numbers being used are XXXX & XXXX. 7 times a day from different numbers seems excessive. Especially since Navient gets auto payments from me twice weekly. There are no messages left.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
This is with reference to my Chase credit card account ending in XXXX, which has a XXXX  balance and no activity since XX/XX/2019. 
I tried multiple times to transfer its full {$5100.00} credit line to my other Chase credit card ending in XXXX with no success. 
First time was on XX/XX/XXXX, after exceeding 60 days with a XXXX  balance and no activity on the account ; I called in customer service and requested its full credit line to be transferred to my account ending in XXXX. My account was closed and I was not advised that a {$500.00} residual credit line was left on my account ending in XXXX and not transferred to my account ending in XXXX. 
I then complained on XX/XX/XXXX by calling in and requesting the residual {$500.00} credit line to be transferred to my account ending in XXXX. After talking with a supervisor and with an agent from the credit lending team, they failed at attempting to process my request. They first reinstated my account ending in XXXX to its original {$5100.00} credit line and then tried to peform a full credit line transfer to my account ending in XXXX. However, the system made them left a {$500.00} residual credit line on the account ending in XXXX. I was eventually advised by the supervisor to wait until my next statement would close in a few days in XXXX and give it a try again. 
I did so and called in again on XX/XX/XXXX after my statement had closed. I spoke with a customer service agent, then a supervisor and a credit lending agent. The credit lending agent apologized and advised me that she could not transfer the full credit line because of how the account ending in XXXX was set up. I complained as this had nothing to do with me. The supervisor stepped in and as much as he tried to help me, he could not do so, and understood my position to escalate this issue to have a proper resolution. 
After all, my intent to have my full credit line transferred from my account ending in XXXX to my account ending in XXXX was for a good purpose : to upgrade the latter account ( a Sapphire Preferred card ) to a Sapphire Reserve card, which needs a minimum credit line of {$10000.00}. 
Unfortunately I need the full {$5100.00} credit line transfer to exceed the {$10000.00} minimum credit line needed to have my account ending in XXXX upgraded to the Sapphire Reserve card. 
I find unacceptable that the bank is unable to perform the full credit line transfer because of how the account is set up, which is responsibility of the bank and not mine. 
Moreover, I find even more puzzling that nobody at the bank can manually process my request when the system keeps preventing them from doing so with no reason at all. The agents were also puzzled as in their experience all accounts with a XXXX  balance and no activity for over 60 days could have their full credit line transferred to another account with no issues.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-12-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CMI Group, Inc.
State: FL

Complaint narrative:
This year and last year I've disputed this alleged account with another collection agency and it was proven that the alleged debt wasn't mine due to insufficient proof. This debt was bought via a portfolio of debt. I've seeked an attorney XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX. I'm tired of being taken advantage of after I've proven my innocence.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-12 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
I purchased a hotel and sports ticket package with my citi MasterCard from XXXX in XX/XX/XXXX for a football match taking place in XX/XX/XXXX in XXXX, XXXX. The amount of the purchase was {$490.00}. XXXX XXXX was liquidated in XX/XX/XXXX and I did not receive any tickets or hotel stay. I immediately disputed this charge with Citi and they have denied my dispute twice.

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 2019-12-12 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I have called multiple times to rollover my 401k and I have not received my money. The account of course shows {$0.00} but I have not seen any checks coming in. Its probably past the 60 days. 

I called XX/XX/XXXX, they wouldnt let me. Then I waited until XXXX, they said they would send a check. I waited and never got it. I called before XXXX. They halted the check to reissue. Its XX/XX/XXXX, nothing. Its almost the end of the year and I have not seen any money. The amount is approximately {$12000.00} but who knows after all the fees theyve taken out.

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 2019-12-12 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
After not being able to get through via telephone during the holiday, I decided to mail my payment to prevent being charged a fee for making the payment via agent, and to apply the additional fee towards my mortgage payment. 

I sent a check for {$22000.00} Priority mail on XX/XX/2019, with an expected delivery date of XX/XX/2019 ( See attached receipt ), very early in the morning to assure delivery in a timely manner. 

On XX/XX/XXXX a received a call from a PHH representative that my payment wasnt received and I needed to pay over {$5000.00} dollars because nothing less would be accepted. 

I informed him that the payment was made and he stated he would research to attempt to locate it. 

On XX/XX/2019 PHH called and when I answered the telephone, the person didnt respond and hung up the telephone. 

I called back and spoke to someone in XXXX, who stated they can not locate my payment. I explained that the payment was made and I dont have access to a fax machine but could email the receipt. He stated the receipt cant be emailed, but could be mailed, then he gave me the mailing address. 

I asked if I could stop payment on the check they lost and make the payment with him now. He stated he could not do that. I was then transferred to the Escalation Department. 

The Escalation Department pretty much told me the same information as the representative. They are requesting I send the front and back copy of a check that they lost. I dont trust PHH mortgage and decided to make my complaint public. 

How are they losing payments? What if I mailed my payment by regular mail and didnt have proof of 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 2019-12-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: FL

Complaint narrative:
This year and last year I've disputed this alleged account with another collection agency and it was proven that the alleged debt wasn't mine due to insufficient proof. This debt was bought via a portfolio of debt. I've seeked an attorney XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX. I'm tired of being taken advantage of after I've proven my innocence.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Sierra Holdings LLC
State: TX

Complaint narrative:
I bought my car in XX/XX/2017 and was told by XXXX XXXX this car would rebuild my credit. I paid on tune for over a year and during hard ships they never allowed payment plans. They completely scammed. Me to get me in the car with a higher car note I wAs told I could trade it in and was never allowed to. 

I recently lost my job and paid half of the note and was never behind or show a history of constantly missing a payment. They didnt work with me at all as a single mom and I lost my car. 

I have gotten 2 cars from XXXX XXXX both were processed wrong. 
Sierra finance ( XXXX ) XXXX

Company response to consumer: Untimely response
Consumer complaint received 2019-12-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ONLINE Information Services, Inc.
State: FL

Complaint narrative:
This year and last year I've disputed this alleged account with another collection agency and it was proven that the alleged debt wasn't mine due to insufficient proof. This debt was bought via a portfolio of debt. I've seeked an attorney XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX. I'm tired of being taken advantage of after I've proven my innocence.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-12 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: WI

Complaint narrative:
I filed a dispute with all three bureaus XXXX, XXXX, and Experian. I have a Bankruptcy that was discharged XX/XX/XXXX almost 9 years ago. I've been steller since this discharged. My XXXX  dispute concluded and deleted Docket # XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX. XXXX, WI XXXX, ( XXXX ) XXXX. 

However, it only took Experian 2 days and stated my case won't be removed. I submitted XXXX decision regarding the deletion of this file. Experian should have followed suit because the same information was given to all 3 bureaus. Experian stated it would be removed on XX/XX/XXXX. 

As a consumer, my credit report should be legally reporting the same information. This Docket should be removed from all 3 bureaus. Please help

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 2019-12-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: NC

Complaint narrative:
I have attempted to contact this company via e-mail and phone calls. Each attempt has resulted in an unsuccessful resolution. I have received another notice stating that my taxes are due. The amount of taxes due are a lot less than anticipated. I have sent an updated tax bill, but they have not updated their information. This is unfortunately the only way I can get any resolution from this company. I have attached a copy of the taxes due and am requesting this bill be paid. I would also like my escrow amount billed monthly to be readjusted to reflect the actual tax bill. It is significantly less.

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