vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-08-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: MD

Complaint narrative:
Loancare is servicing my mortgage and is being unreasonable and unlawful with my PMI removal. I paid my loan down to under an 80 % loan to value based on the appraisal value done 4 months prior to my loan closing. They ignored my requests and are requesting a new appraisal be ordered when they have official documentation ( my appraisal ) that is extremely recent and used to solidify a loan.

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 2019-08-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: GREAT LAKES
State: OK

Complaint narrative:
I had issues with this loan, which honestly my credit score at the time should have NEVER even been approved it was a shock to me and my spouse. I kept the loan in deferment as long as I could while waiting to see about the lawsuit with XXXX XXXX and also was talking with Great Lakes about my XXXX. My loan came up last fall and when I would call Great Lakes they would refer me to another number and the next thing I know I am getting 5 to 20 calls a day mostly recorded about student loan debt. Around mid XX/XX/XXXX I sent my first XXXX request via US mail as I did not have a computer. The phone calls got so bad that I really cant answer my phone for fear that most are scams. They look like cell phone numbers. My understanding was everything was kind of in limbo because of the hold up on the XXXX XXXX XXXX. and it could take even a year. I had checked the box to have collections stopped etc. In XXXX I receive notice that my XXXX checks are being garnished over {$200.00} a month, my credit score dropped, and we were getting ready to purchase a home using my husbands VA loan but can not because they put me in the XXXX system. Thinking my application was pending the long XXXX system I never saw this coming. I wrote the XXXX and received a reply XXXX XXXX. They claim they sent me notice in XX/XX/XXXX. This is not true at all. I most definently would not have missed that. I do not think the USDOE understood my letter as really their response made no sense to me and really all they did was point fingers back to servicers and the XXXX. I redid the XXXX application on line XXXX XXXX. I wish I had kept track of EVERY conversation and communication I ever had. I personally experienced and was vocal about XXXX XXXX from the start, I experienced a good portion of the complaints proven against them in court myself. These were actually reasons I only ever attended the school after seeing one class into my second session that it was NOT going to be better. I have a HUGE issue with the government letting this loan go in my name at the time when they were already aware of what XXXX XXXX was doing and my credit at the time was beyond terrible. Furthermore they have made it impossible to take care of it. Great LAkes points me to USDOE, USDOE point me to Great LAkes or a XXXX servicer. I am XXXX but I am not listed as permanent and I have not filed for XXXX relief. 
I don't understand why this has gotten to this point. I want the garnishment stopped and the loan off my credit and out of the system. It is way more than myself that this effects. The government knew this school was defrauding me when I enrolled in the summer of XXXX. My intention was to try to better myself and it has done nothing but the opposite.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Security Credit Services, LLC
State: CO

Complaint narrative:
I received notification from a seperate collection agency ( XXXX XXXX XXXX ) that I was sent to collections. I was notified of the charge in XXXX of XXXX, and the default on a loan was in XXXX of XXXX. This was the result of a fradulent charge and identity theft that I was unaware of until I received this notification. 
The current creditor os Security Credit Services Original Creditor was XXXX, XXXX XXXX Original account # Internal file to XXXX XXXX Balance : {$1000.00} Someone fraudulently opened an online loan in my name from a previous address that I had not lived at since XX/XX/XXXX. I reported to all credit reporting agencies and the collection agency. They said it was a legitimate charge and it is NOT! I provided documentation that showed I was living out of state in XXXX including by tax return and a paystub. They still refuse to remove it from my credit report. IT IS NOT MY CHARGE! 
After I called and left a voice mail with SCS, I have been overinundated with scammer calls and I am convinced they have sold my data for harassing solicitations.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: PNC Bank N.A.
State: CO

Complaint narrative:
Requested that PNC close my account on XX/XX/XXXX. Account has still not been closed as of XX/XX/XXXX. Also they have refused to pay out my {$200.00} new account bonus still and I would like them investigated for this fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-30 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Bliksum, LLC
State: CA

Complaint narrative:
XXXX with XXXX, -XXXX  XXXX XXXX- called and left a message at my place of employment, which I am not working at right now as I am on XXXX. He lied to an employee of the company saying that the call was regarding an " application ''. When I returned the call to him to find out what it was regarding, he then stated that It was a collection account. He threatened to serve me legal papers at work. I stated a couple of times that I was on XXXX and not working, and he asked " what does that have to do with it? '' He was rude, condescending and a bit harassing. Also, he stated the address that they have sent information to, to which I responded was not my address. I told him my mailing address and he responded that they needed my physical address. I told him that I wasn't giving them my physical address and that they needed to send information to my XXXX XXXX , which is when he threatened to have papers served to me at work.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: National Credit Adjusters, LLC
State: MO

Complaint narrative:
NATIONAL CREDIT ADJUSTERS can bring this issue to a close with one simple document! I need a document that contains three aspects : 1. Has the correct account number XXXX, originally through RISE. 
2. Indicates that the account is both closed and paid in full.

3. Has the date that the account was closed. 
If National Credit Adjusters would provide such a document to myself and report this account as such to the bureaus, this issue can then be considered resolved between myself and them.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-30 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: NAVY FEDERAL CREDIT UNION
State: PA

Complaint narrative:
I paid off my shared pledge loan on XX/XX/28 for {$1500.00} ( XXXX is held for collateral. ) I called on XX/XX/28, and was told it takes 24 hrs to receive funds. Next Friday I call I am told 2- 3 bus days, placed on hold to see if funds can be released today. I call back again and the last rep tells me that I am not getting my collateral amount became I received deposits every time I made a payment .I asked for a copy of these deposits, because I only see payments.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I had a legal full name change back in 2017. I took the steps to make sure banks, employers, and all legal documents reflect the change. 

I am trying to open a line of credit, and my banks are unable to validate my identity with the credit agencies. I had this problem earlier this year and was unable to resolve it. 

I mailed a copy of my updated : ( State driver 's license, Passport, Social Security letter of confirmation, Official court order of name change, XXXX military ID, a bill with my name on it, birth certificate and my Marriage licence & certificate ) to Experian and they did not update my information, nor did they respond. Because of this I am still unable to access my credit, open a line or do anything. 

I've tried contacting them however I can not get past the automated mailbox, their website will not validate me or work at all. 

My name is XXXX XXXX XXXX. My old name was XXXX XXXX XXXX. My number is XXXX XXXX Thank you so much for any help you may provide.

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 2019-08-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FIRST CITIZENS BANCSHARES, INC.
State: TX

Complaint narrative:
a relative stole my identity when i was out of the country, over 9 years ago. XXXX XXXX  has called a debt collector attempting to say they are suing me 9 years later.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-30 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Netspend Corporation
State: TX

Complaint narrative:
On XX/XX/XXXX at XXXX I received an alert by text from Netspend saying that my balance was {$5.00}. I immediately went online to XXXX to view my account. There was a atm withdrawal from an atm in XXXX tx at XXXX XXXX XXXX XXXX XXXX tx. I immediately called to report the fraudulent activity on my account and to have my card blocked. I told him that my card is in my possession and how is it that someone could withdraw money from my account without physically having my card. 
The representative provided me with an email to get a temporary credit until they complete their investigation that can take from anywhere of 10 days to 45days or even 90days. I  submitted the email and I have called back to netspend twice and they are telling me that I have to wait until XX/XX/XXXX to get an update and to see if I win my case or lose. I don't see how I would lose my case since I was not in XXXX, I was in my house which is 3 hrs away. I'm the victim, money was stolen from me. I should not have to go through this to get by money back. I also called XXXX the atm customer service to see if they could help and they said they could not.

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 2019-08-30 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: CNG HOLDINGS INC
State: WV

Complaint narrative:
I applied for XXXX lease and expected to pay off product In time, I was not advised that it would not be paid neither in writing or voice. When it was time for final payment I was told to call XXXX and they were rude and told me to call the police if I thought they were being illegal. I told them I was going with consumer advocate and they changed their tune.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-30 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
On XX/XX/2019, I transfer through XXXX {$1300.00} to another Bank of America account individual. The transfer showed successful but funds never appeared to the individual account. The first time I contacted the bank, the representative said that they would investigate the transaction. After the investigation was completed, they said the transfer was not successful because an e-mail was not present. Which, is a lie because on previous dates, I had sent money to the same account, under the same email. As you will be able to see in the following attachments. The agent continue to explain this was the reason the investigator had denied the funds back. I continue to argue the point that this was impossible due to previous transactions, the bank agent agree, but informed me she was unable to do anything due to the report from the investigator. She submitted the claim again, and the investigator denied it because now he said the funds were received and the account statements of the individual shows no such transaction and my account shows deducted. The last argument from the investigator was that the funds were received by another individual. Which is also impossible since the email confirmation was sent to the individual. How are these funds going to be somewhere else or lost when the information was correct. Since, I heard so much commotion about similar issues to this with Bank of America, I decided to go to XXXX to see if they could assist. Gladly, one of their agents gave me this website.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-30 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: CT

Complaint narrative:
Since XX/XX/2019, I have been contacting New Rez LLC regarding our FHA Loan and the PMI cancellation. My spouse and I were denied on that inquiry, and resubmitted the request in XX/XX/2019 after making an additional principal only payment of {$1000.00}. On XX/XX/XXXX, the company acknowledges receipt of the payment and new request to remove PMI from the loan. The status of the inquiry sat pending from XX/XX/XXXX, until XX/XX/2019. After numerous phone calls from XX/XX/2019 through today, XX/XX/2019, I had gotten no where with the company. We believe at this point that there should be a refund of a couple payments of PMI that should've already been off the loan by now. Terrible customer service with no answers, or follow through that was stated on many of their calls.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-30 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: CA

Complaint narrative:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have  made. It is the result of identity theft.

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 2019-08-30 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: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
I purchased several items on XXXX and used Paypal to pay for the items. The items were shipped to an old address by default. I contacted XXXX and Paypal and both indicated the items were delivered to an old address. I went to the old address and the individual living at that address communicated that she did not have the items. I checked the leasing office and they also communicated that they do not have the items. The post office has no record of the items being returned. It appears that the items were stolen. 

I contacted Paypal and explained that all the items that I purchased ( at least 10 ) thru Paypal were shipped to my new address which is approximately 10 months now. Paypal refuses to credit my account and states that I received the items. Their customer service department is located in another country, and there is no concept of how to resolve an issue. They read what's on paper, and has no idea as to how to resolve an issue. 

Paypal has behaved in a manner that is fraudulent. They are charging me for items that I do not have/receive.

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 2019-08-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: NY

Complaint narrative:
XX/XX/19 you helped us before and you won for us now the mortgage company is playing games again! we got them to take our side and give us the modification it was due by XX/XX/2019 signed by my husband we had it notarized by our bank and was sent back! didnt hear back from sls so i called them and the modification said it was denied!!!! i asked why and he said because the nortary forgot to sign a line he said it happens all the time so if i didnt call sls we would have never known! so they emailed a new package to be signed again by a notary we did that and sent it over night like we were told to do! we have the tracking number so they couldnt play games! sls said they recieved it on XX/XX/19 and it will be esculated and to go ahead and start making your new payment! we didnt make the payment for a couple of days my husband wanted me to call back and see if everything is okay still thank god i did because now there saying it was a faxed copy not the email one which is a lie because we sent it over night and have the tracking nukmber we are getting differrent stories from different people please help us we just want our modification signed and stamped by sls so we can get on with our payments and not be scared thank you XXXX and XXXX XXXX

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 2019-08-30 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: CA

Complaint narrative:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

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 2019-08-30 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:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-30 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BMW Financial Services NA, LLC
State: IN

Complaint narrative:
My personal information and identity was used without my permission to purchase a BMW vehicle in XXXX. I filed a police report and also contacted BMW directly. I have attached the Police Report and letter from BMW stating they would investigate. And as of today nothing has been done to rectify the amount owed on my credit report. I have perfect credit and no lates ever on my credit report. However, this faticious and fraudulent account on my report that I have reported is hurting my credit. I have reached out to the XXXX, XXXX   and XXXX on XX/XX/XXXX and XXXX and again nothing has been done.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am a victim of identity theft and have been trying to get these unauthorized inquires off of my credit. I called, I have sent in letters and I have tried reaching out to the credit bureaus to have these unauthorized items removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-30 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: Bread Financial Holdings, Inc.
State: LA

Complaint narrative:
On XX/XX/19 two balance transfers to my XXXX account for {$2900.00} and {$3000.00} were suppose to occur. Comenity Bank charged my account for these transactions but XXXX never received them. XXXX has told Comenity that they were not received, I also filed a dispute with my local Sheriff Department and they were also told by XXXX that I did not receive these funds. The Sheriff detective then told Comenity. Comenity is still refusing to refund these amounts. They say that it's a banking issue but will do nothing about it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-30 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: MoneyLion Inc.
State: CA

Complaint narrative:
Contacted XXXX/moneylion about paying off full balance on my account. Made a call to them Monday XX/XX/XXXX. At that time I made a debit card payment of my full balance amount. Was told by XXXX that the payment would go through in three hours. I called today Friday XXXX because I had not received any email correspondence. Was told by XXXX that the payment was not processed due to their system was down. They were notified about their system being down on Wednesday the XXXX. I should have gotten a courtesy email or call, but didnt. Now Im forced to pay extra four days worth of interest on an issue that was not my problem in the first place.

Company response to consumer: Closed with non-monetary relief