vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-11-16 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. FCRA 605B ( 15 U.S.C. 1681c-2 ) Block the Information Resulting from Identity Theft. The accounts do not belong to me. I am writing to request that you block the following fraudulent accounts from my credit report immediately.

The information is not information relating to any transaction by the consumer. I have enclosed a copy of my Identity Theft Report. In addition, I have enclosed a copy of section 605B of the Fair Credit Reporting Act, which details your responsibility to block fraudulent information on my credit report resulting from identity theft FCRA 605b ( a ). Please let me know if you need any other information from me to block or remove this information from my credit report. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

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 2020-11-16 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: OR

Complaint narrative:
I have applied for public service loan forgiveness multiple. I do qualify for this but XXXX and Fedloans have both been using predatory practices to make this process impossible. 

1 ) I received all of my education paid for by public loans, my family was well below the poverty line and I completed my entire XXXX degree while doing work study and on federal loans. 

2 ) following my graduation I worked for 1 year at a qualifying employers while making my qualifying loan payments. ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX, non profit ) 3 ) somehow XXXX purchased my federal loans and began servicing them. 

4 ) I then worked for 2 more years at a different qualifying employers while making monthly qualifying loan payments. ( XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). 

5 ) I then returned to XXXX school and took out more federal student loans. During these 2 years I continued to work full time at a qualifying employer ( XXXXXXXX XXXX XXXX XXXX XXXX ) I was not making loan payments during this time. 

6 ) When I completed my XXXX  program in 2013 I again began working full time at a qualifying employer XXXX XXXX XXXX XXXX as XXXX XXXX XXXX. I have worked in this field and made qualifying payments to my Federal Student Loans since 2013 ( 7 years ) I have evidence that I have made 120 qualifying payments ( 12 years of payments on my XXXX loans ) I have provided my FAFSA info, my tax returns and all other materials to these servicers ( who already have access to this information ) on multiple occasions and yet they continue to deny the above facts and forgive my loans through the PSLF.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-16 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Harris & Harris, Ltd.
State: CA

Complaint narrative:
This is a business they are calling, and a direct number to an employee.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-16 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 writing to dispute the following information in my file resulting from the crime because I am a victim of identity theft. I have listed the accounts I need to dispute on the attached copy of the report I received. The accounts I am disputing do not relate to any transactions that I have made or authorized. Please remove these accounts at the earliest possible time.These accounts are erroneous and imprecise for I have not remembered having these accounts. Also, the information you provided on some accounts are different from other bureaus and I know that they are inaccurate and the reported payment history on some accounts are questionable to me. I have always been stellar in my payments. As required by section 611 of the Fair Credit Reporting Act, 15 U.S.C. 1681i, I am requesting that the adverse information on the accounts be DELETED to correct the information. Please look into these matters and REMOVE the disputed accounts as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-16 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 writing to dispute the following information in my file resulting from the crime because I am a victim of identity theft. I have listed the accounts I need to dispute on the attached copy of the report I received. The accounts I am disputing do not relate to any transactions that I have made or authorized. Please remove these accounts at the earliest possible time.These accounts are erroneous and imprecise for I have not remembered having these accounts. Also, the information you provided on some accounts are different from other bureaus and I know that they are inaccurate and the reported payment history on some accounts are questionable to me. I have always been stellar in my payments. As required by section 611 of the Fair Credit Reporting Act, 15 U.S.C. 1681i, I am requesting that the adverse information on the accounts be DELETED to correct the information. Please look into these matters and REMOVE the disputed accounts as soon as possible.

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 2020-11-16 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: GVA Holdings, LLC
State: MI

Complaint narrative:
I borrowed {$600.00} with the understanding that the {$98.00} per week I was paying was the interest on the loan, and that I could pay off the principal at any time -- they just told me that if I paid it off this week, I would owe {$780.00} in addition to the {$200.00} in interest I have already paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-16 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: Navient Solutions, LLC.
State: MI

Complaint narrative:
I have been making payments totalling {$56000.00} on and off since 1993 on the original federal student loan amount of {$19000.00} with a 9 % interest rate. As of today my principal loan amount shows a balance of {$21000.00}. I have printed out my payment history and adding in all the capitalized interested, fees and other questionable maneuvers on top of the original principal with interests I show I have over paid my loan by {$14000.00} yet they show I still owe {$21000.00}!? When I speak with them they just offer a large monthly payment, nearly the size of my mortgage, that I can't afford, a income sensitive payment option which doesn't change the principal or a forbearance but they can't explain why I can't make any headway. I feel I will never get out of this loan. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: AMERICAN EXPRESS COMPANY
State: OR

Complaint narrative:
The same phone number calls every day at XXXX XXXX  and once at XXXX, ALWAYS before XXXX. I have a XXXX XXXX XXXX  XXXX, XXXX, XXXX and several XXXX  XXXX. I have a letter from my doctor to send them to cease and desist as I'm in the process of filing for ss XXXX and am uncollectable. I haven't been able to work since XXXX except for a brief 4 month period in XXXX when i was fired for losing the use of my hands do to still undiagnosed neurological issues. However, when I call them back, they refuse to give me an address. They simply say that they are calling for lawyer XXXX. Just lawyer XXXX, no last name no law offices attached, they won't tell me what the debt is although once I believe I heard amez mentioned before they hung up on me. The last time I called them back on Friday I decided I would call them as they keep doing me until I got some answers which I never did because they just hung up on me over and over and over. One of them finally gave me an email address because I kept telling them I'm simply trying to mail you the letter. I just want to send you this letter so you'll leave me alone. They gave me two false email addresses both were returned so I failed to get them the information due to their lies and make them leave me alone and they are persistent-they called again this morning at XXXX. They told me Friday that they had to the do-not-call block between me and them that I'm not allowed to call them back lol and they're not calling me-and yet they called again this morning. I am UNCOLLECTABLE. I BECAME XXXX  AND LOST EVERYTHING IN XXXX after exhausting my lifesavings trying to pay bills and rent while physically unable to work or keep a job since XXXX. Before this I had a XXXX credit score and paid EVERY bill early for over 20 years. It is devastating to be unable to even care for myself due to XXXX and I'm so deep in debt that as SOON as my XXXX goes thru I WILL BE DECLARED UNCOLLECTABLE. These companies are causing my XXXX, XXXX, and XXXX to become XXXX XXXX  to the point of needing XXXX. They won't stop, or tell me who they are calling at XXXX every day. I simply want to send them this letter so that they will STOP. When they call I am not nice anymore, because of my XXXX and my XXXX  XXXX  that manifests as anger and I can not control myself so when they call me and refuse to give me the address and when I give me the runaround and they start trying to put me down and tell me that I'm a piece of XXXX for not taking care of debts then refuse to tell their address or who they are, the voicemail goes to a manager XXXX XXXX or XXXX. I've tried soooooo hard to get them to stop. I've left her soooo many voicemails explaining the situation and still they wake me at XXXX XXXX  when I've had no sleep. I'm about to be hospitalized for it and need to sue them at this point to stop them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FirstPoint Collection Resources
State: NC

Complaint narrative:
collection provided a documents that have a signature that appears to be computer generated and does not belong to me

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: IA

Complaint narrative:
My mortgage company has sent numerous letters indicating that I am required to have flood insurance. I have each time responded by sending a copy of my LOMA paperwork proving that my residence in NOT in the flood zone. Despite this, they have purchased flood insurance on my behalf and refuse to make any attempts to resolve this issue. Today I have called twice and each time they have hung up stating they can not assist. 
I have attempted to get flood insurance through other companies and they all tell me I am not required to have it according to the XXXX website. I am at a loss and am not sure what to do next. They insurance they have purchased on my behalf is significantly more than other companies can offer.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-16 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
here are several accounts in my credit report that are not mine previously, there were more but I already did the disputes and they took them away in XXXX  I see the following accounts 1 - bank of america status closed charge-off {$3100.00} In XXXX  1- XXXX XXXXXXXX XXXX XXXX .status closed charge-off {$1400.00} 2XXXX XXXX XXXX status closed charge-off {$3100.00}

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 2020-11-16 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: AK

Complaint narrative:
This is my 3rd time submitting a complaint about how Fedloan Servicing has handled my payment count, with the most recent complaint being submitted in XX/XX/XXXX, which was not completely resolved. I contacted FedLoan Servicing to request they correct my payment count for the payments that I made in the " Paid Ahead Status ''. Paid Ahead Status occurs when a person pays more than the minimum payment required in any given month. However, in the past when payments were made in this manner, the following month would show a lower payment needed to ensure the payments amount is satisfied. I have nine months where I previously made a higher payment, resulting in my account being in " Paid Ahead Status ''., and then the following months showed a lower balance/payment that was needed. I paid the lower amount in nine different months, which still made my account current. These payments are now supposed to be counted in the TEPSLF payment count. However, Fedloan Servicing has not applied these payments towards my TEPSLF payment count. The months needing to be added are the following dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX - this is according to the documents that Fedloan previously submitted to me ( see attachment ). Please correct this and have the payments applied so they will count towards the TEPSLF program. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-16 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: MS

Complaint narrative:
on XX/XX/2020, I sent another letter requesting investigation of inaccurate accounts showing on my credit report. I never received a response and it's been six weeks.

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 2020-11-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: ALLY FINANCIAL INC.
State: VA

Complaint narrative:
I called Ally and asked to add two to three payments on the end of the loan due to Covid-19 hardship. The rep kept saying sure but then would demand that I pay the full balance and no help. I then asked again and he said yes he would help and then demanded that I make a payment again. He kept agreeing to help then would demand a payment. I then asked to escalate it to a supervisor. He said sure but then didn't do it. He kept asking how much I could pay right then. I said I couldn't pay anything yet due to income loss. He then said he would escalate it XXXX this was the second request ), which again, he didn't do. He said he would send my request to a supervisor who would then contact me and help me. Guess what? No one has contacted me. We were on a chat for an hour in which he lied the whole time and kept demanding that I make a payment right then. I never got a supervisor to help me. I have had good standing with Ally until covid-19. The guy on the phone told lie after lie and then kept demanding payment.

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 2020-11-16 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: MS

Complaint narrative:
On XX/XX/2020 I mailed a letter about inaccurate accounts showing on my credit report and requested an investigation. It has been 6 weeks and I still havent received a response and these accounts are still showing on my credit report!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-16 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 filed a Consumer Finance complaint previously with XXXX XXXX regarding account XXXX. They responded and stated they would have the account removed from the credit bureaus, but when I check my Experian report the account is still showing.

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 2020-11-17 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
Navient is sending emails regarding recent payments and past due payments, including payment dates, to non-contracted parties. My sister is getting emails to an email address with her name on it that has no ties to me or the cosigner. I have requested this communication stop at least twice and it continues.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-16 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
Good Afternoon, We started our refinance back at the end of XXXX and as part of the refinance we had to resubordinate our second loan with SPS. We and my lender started the process and here we are at XX/XX/XXXX and the subordination process still has not been completed.. Title company is calling if not every day every other day to only be given excuses and to be told it will be escalated. 

They had ALL the paperwork they needed on XX/XX/2020 and we were told it needed to go to a third party company to get the assignment of mortgage completed. Why this was not done when we took out our mortgage last year still baffles me. We were told while this process was going on that they could NOT talk to anyone and we were told 45 days for the process to be completed from XX/XX/XXXX. We are at XX/XX/XXXX and the process is still ongoing and they continue to tell us they have not estimated close time. 

In the mean time our appraisal has expired and our lock has expired. We have talked to Supervisor after Supervisor to only be lied too and given excuses ... 

Some of the names are : XXXX XXXX XXXX XXXX There have been NUMEROUS others that we didnt write the names down because we did not realize it was going to get to this point. 

There should be absolute transparency when dealing with these companies and they have delivered none and keep passing the buck as to who is responsible for the delays. They have a legal obligation to complete subordinations in a timely manner and they have failed!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-16 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
On XXXX I sent a letter regarding inaccurate and unknown accounts reporting to my credit report, over 60 days I have yet to receive a response on investigation. At this stage in the process my anxiety has grown ; feeling that my disputes have been ignored. Section 611 ( a ) of CFRA plainly states that a failure to investigate these items within 30 days gives reason to immediately remove items from my credit report, it has been over 60 days and the disputed items should be removed promptly. I demand these accounts be deleted immediately or I will be filing for litigation due to the stress/anxiety caused. Also, my personal information was subject to being compromised in the XXXX  data breach and possibly placed in the hands of individuals with ill intentions.

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 2020-11-16 00:00:00
Product: Mortgage — VA mortgage
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: MONEY SOURCE, INC., THE
State: WI

Complaint narrative:
The servicing of my mortgage was transferred from XXXX to The Money Source { TMS XXXX XXXX took the XXXX payment from my checking account. When the loan was transferred they did not forward the payment. From that time forward TMS has marked my credit as being 30 days late every month. I explained that the XXXX payment was made to XXXX and that I had made every payment on time. I sent copies of my bank statement from XXXX showing the payment was made. They would tell me they would fix it and they did not. I have called every month and spent hours on hold with no results. At this time my credit is ruined. They refuse to correct it. I am out of options. We cant afford an attorney.

Company response to consumer: Closed with explanation