vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-10-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: ATLANTIC BAY MORTGAGE GROUP LLC
State: NC

Complaint narrative:
Atlantic Bay Mortgage recklessly double paid my homeowners mortgage even though I had already timely paid it directly with XXXX XXXX and informed Atlantic Bay I had paid my premium timely. Because of Atlantic Bay 's avoidable mistake, I have been financially harmed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-16 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: IA

Complaint narrative:
When I graduated from college, I was made aware of a government student loan program called, " Public Service Loan Forgiveness ( PSLF ) Program. '' Essentially, if a college graduate obtains employment in the public/non-profit sector, then the college graduate remaining Federal Student Loan balance is forgiven after 10 years of full-time employment & 10 years ( 120 payments ) that are paid on time & in full. I have never missed a student loan payment and have been employed and currently employed with the XXXX XXXX XXXX for over 10 years since XX/XX/XXXX. I started paying on my student loans in XX/XX/XXXX. 

To my surprise, the payments that I made to my Federal Student Loans for the time period of XX/XX/XXXX-thru-XX/XX/XXXX were not counted as " qualifying payments '' of the 120 payment requirements due to being assigned the wrong repayment program. the PSLF Program is not the easiest program to navigate & I felt that for the time period of XX/XX/XXXX-thru-XX/XX/XXXX, I was making my student loan payments in the correct repayment program under PSLF program in good faith. 

However, I was recently informed of a Student Loan Forgiveness program called : " Temporary Expanded Public Service Loan Forgiveness ( TEPSLF ), which was created under the Consolidated Appropriations Act, 2018. 

I believe I qualify for the Temporary Expanded Public Service Loan Forgiveness opportunity & it's important that my submitted request is processed as soon as possible. Because TEPSLF has limited funding of {$350.00} million, which means it will be proved to a limited number of applications on a first come, first served basis. 

I just received by formal denial of my PSLF Application on XX/XX/XXXX, which I'm happy to receive, because I have to have a formal denial of my PSLF due to non-qualifying payments to qualify for the TEPSLF Program. I have submitted my request for the TEPSLF program per XXXX  Instructions to XXXX & have not received a response that I'm being considered for the TEPSLF program since I submitted the TEPSLF request on XX/XX/XXXX. I know there is only a finite amount of funds available under the TEPSLF program, & I just want to be ensure that my name is correctly placed on the TEPSLF list for funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-16 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: NC

Complaint narrative:
I am concerned about the validity and accuracy of the recent investigation done by Equifax..I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility.. CFPB, please delete the accounts UNKNOWN XXXX, UNKNOWN XXXX, UNKNOWN XXXX, UNKNOWN XXXX, UNKNOWN XXXX, UNKNOWN XXXX, UNKNOWN XXXX, UNKNOWN XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-16 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: Credit Adjustments Inc
State: NY

Complaint narrative:
My Federal Student loans are in Default and was taken over by Credit adjustment INC. This collection agency is refusing to work with me in repaying my loan and coming out of Default when they first reach out to me I receive a call requesting XXXX to be paid immediately which I had advised that I didn't have then they ask for XXXX he stated that if I didn't paid they will start garnishing my wages I advised the representative ( XXXX XXXX ) that I didn't have that amount of money as I'm just starting to get back on my feet my house was going into foreclosure but we were able to resolve the foreclosure issue. he then stated let me see if you qualify for the rehabilitation program then stated that it will be XXXX a month once again I advised that I can not afford that amount he then reminder me again that it would lead to 15 % of my wages to be garnish I stated that I couldn't pay that amount. The next day I call back spoke to another rep ( XXXX ) who stated that the previous rep work the account incorrectly and stated that I will only pay XXXX a month for the next 9 months she then requested for me to fax my expenses the way we when over it over the phone which I did then I receive a call back the next day by the previous rep asking me for more money then he went over the information again and stated yes you will pay XXXX I made my first payment on XX/XX/2018 then I call to make sure he receive that last document he needed then he stated that he was wrong with the amount he had me pay and it's XXXX a month I advised him that I do not want that amount withdrawn from my account I agree on XXXX he stated that unfortunately that was not the correct amount he then stated lets see if we have another program then he advised we can place on a payment of XXXX for the next 240 months when I calculated the amount after the 240 months its XXXX I told him I can not afford this amount he stated how about XXXX a month he advised there is nothing we can do for you so or you pay the XXXX or we will garnish your wages. This company is not willing to work with me at all I do want to come out of default but for a reasonable amount I went in default cause I was going through a hard time in my life with my home going through foreclosure, the passing of my younger brother, my dad going through XXXX XXXX and losing his benefits and an ill mother I do apologized I had a lot on my plate at the time but I'm back on my feet and want to take care of the matter but Credit adjustment is not willing to help me in this matter but more of threating me to garnish my wages.

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 2018-10-16 00:00:00
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: McCalla Raymer Leibert Pierce, LLC
State: CA

Complaint narrative:
This Company name XXXX XXXX XXXX XXXX ( It looks the owner/owners of this company owned before XXXX XXXX XXXX XXXX ) sent me a letter Stating I owe the Amount {$900000.00}. 
I sent them a Certified letter disputing the Amount, However this Debt collector ignored my letter and pursue with its the Illegal Act first recording a void Document stating I owed {$900000.00} and later they to try to sell my house in a Foreclosure Auction on XX/XX/2018.I  believe its action of this Company has violated my rights under the FDCPA.I would like to make a formal request to have Regulators from the CFPB to look into the practices these 2 Companies XXXX  XXXX XXXX , XXXX & Mc Calla , Raymer, Leibert, Pierce, LLC engaging using the same Phisical Address XXXX XXXX XXXX XXXX  XXXX XXXX XXXX CA XXXX, Besides I believe its illegal also to send dunning letters as they used a XXXX XXXX  XXXX XXXX CA XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-16 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I disputed the late payments reported on XXXX XXXX XXXX XXXX XXXX. Experian and XXXX  never reversed them ... They did not even send me any proof as to why they will not correct it.. Please take care of this error and remove the late payment CFPB

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 2018-10-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have been denied credit and pre-qualification due to a fraud alert on my credit profile that does not contain any contact information. My phone number XXXX should have been added so that creditors can contact me to verify my identity and application. Every time i try to submit a request to Experian, XXXX   or XXXX  online, I can not seem to be successful as each one causes an error.

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 2018-10-16 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: Paypal Holdings, Inc
State: CA

Complaint narrative:
XX/XX/XXXX - Paypal-Prepaid, Paypal, XXXX XXXX interference. 
XX/XX/XXXX - Group public interference, psychologically stalked by them since sometime in XXXX. 
XX/XX/XXXX - Successful use of activated card and App. 
XX/XX/XXXX - Manipulation of online notification and available features ( account settings ), 2 accounts. 
Denied instant transfer ( 5th day ... XX/XX/XXXX ) XX/XX/XXXX - Denied use of Paypal Prepaid 's Paypal balance, a Mastercard insured service. Prompted to call Paypal. 
XX/XX/XXXX - Over-the-phone-misled calls. 
XX/XX/XXXX - Same pattern. 
XX/XX/XXXX - Same pattern. 
XX/XX/XXXX - Paypal App manipulation discovered. Same pattern. 

https : XXXX - Objectives were clear. It's only to these accounts ... I'm noticing they as the organized crime group simulating understandings in brainwashing techniques using website technology tools of their company to force thought. Abridgements are several. 

Ongoing ... XX/XX/XXXX-XX/XX/XXXX account they may attempt to use ... if so, dates of stalking would begin during that year. The bully may also include an employment disability Judge, a calm ally.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I disputed the late payments reported on XXXX XXXX XXXX XXXX XXXX. XXXX  and Transunion never reversed them ... They did not even send me any proof as to why they will not correct it.. Please take care of this error and remove the late payment CFPB

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 2018-10-16 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: EQUIFAX, INC.
State: NC

Complaint narrative:
disputed the late payments reported on XXXX XXXX. 
XXXX. Equifax never reversed them ... They did not even send me any proof as to why they will not correct it.. Please take care of this error and remove the late payment CFPB

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-16 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Caliber Home Loans, Inc.
State: VA

Complaint narrative:
I contacted Caliber after I moved in on XX/XX/XXXX and on XX/XX/XXXX my ceiling fell, and on XX/XX/XXXX damage to dining and basement from heavy rains. I spoke to Caliber home on 3 occasions. One the first call the representative told me that he would send out an application for a Forbearance. I filled out the application and returned it. I received notification from Caliber that my loan was in review for modification but not forbearance. I called and spoke to a second customer service rep who indicated that I would not receive a ding on my credit report because my account was not actually 30 days past due and that it was in modification. On XX/XX/XXXX, I received a 30 day late on my loan and immediately called Caliber but could not get through until XX/XX/XXXX. I spoke to a customer service rep and supervisor who both indicated that the previous reps did not give me the correct information. I advised that I have a late payment on my credit report and I want it removed because I was told that I would not receive any ding on my report. The Supervisor, XXXX at first did not believe me, but finally agreed to listen to the conversation with both reps and advised he would try to get XXXX payment updated. I advised XXXX that as a company and holder of my mortgage they have a duty to provide the consumer with correct information. You can not lie to the consumer on a recorded call, send documents that support the lie and then say no we can not use that program so you now have a late payment on your file. I advised XXXX that I do not have any late payments on other bills, in addition, I work for the federal government and can not have inaccurate information reporting on my credit report. I hope CFPB can assist me with this situation. It's so unfair that I have to go through this as a new home owner especially given the catastrophic damage to my home three days after my young daughter and I moved in.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have been denied credit and pre-qualification due to a fraud alert on my credit profile that does not contain any contact information. My phone number XXXX should have been added so that creditors can contact me to verify my identity and application. Every time i try to submit a request to XXXX, Transunion or XXXX online, I can not seem to be successful as each one causes an error.

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 2018-10-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I have sent dispute letters to XXXX, XXXX, and Transunion since XX/XX/18 asking the bureaus to remove derogatory/inaccurate information from my credit report on the following accounts - XXXX XXXX, XXXX, XXXX XXXX, and XXXX. Since XX/XX/18, I have sent letters on XX/XX/18, XX/XX/18, XX/XX/18 to no avail. Per the FCRA, the bureaus have 30-days to respond and I have yet to receive anything. I am requesting that you look into this situation and have it resolved.

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 2018-10-16 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: NY

Complaint narrative:
I have sent dispute letters to Equifax, XXXX, and XXXX  since XX/XX/18 asking the bureaus to remove derogatory/inaccurate information from my credit report on the following accounts - XXXX XXXX, XXXX, XXXX XXXX, and XXXX. Since XX/XX/18, I have sent letters on XX/XX/18, XX/XX/18, XX/XX/18 to no avail. Per the FCRA, the bureaus have 30-days to respond and I have yet to receive anything. I am requesting that you look into this situation and have it resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-16 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: CA

Complaint narrative:
I have several inquiries on myself and husband credit report we did not apply

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-16 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: AL

Complaint narrative:
1. In XX/XX/XXXX I set up a automated monthly withdrawal of {$25.00}. In XX/XX/XXXX, I received a phone call stating that my payments were several months late. Upon calling, I was told that I or my father, a cosigner on the account had signed in online and canceled the auto-payment. Neither one of us did this. The account is my bank account and my father has no access to it. I made the payment to bring up to date and the auto-payment was then reset but not without hurting my credit.

2. In XX/XX/XXXX, Navient attempted to make a withdrawal with auto pay from account which was stopped to do insufficient funds. However, a few days later I received a phone call from my father stating that navient had withdrew {$25.00} from his account. This is absurd because the auto pay is set up in my XXXX account and navient has never had my fathers banking account information. When we called them, they stated that we had entered his account information into auto pay which is a blatant lie. We asked them to send us the IP address from the computer that was used to do so and they agreed, however we never heard back. At this point we requested for autopay to be removed. We were told it had been.

3. In XX/XX/XXXX, I had an auto pay withdrawal of XXXX from my account. When called, I was told they would refund this amount and once this was done I could call back to set up repayment plan. This was never done. I was assured again that autopay was removed.

4. In XX/XX/XXXX, another autopayment of XXXX was removed. When contacted navient I was told I authorized these payments. I was told the only was they could refund this was me to fax in to a random number with no attn. to my banking account information. I was told there was no way for them to send an IP address like I was told I would receive. I asked for a copy of the recorded phone calls for the past 6 months and also denied.

THESE PEOPLE ARE THIEFS AND LIARS!!!!

I have tried to contact an attorney suing them and will continue until I reach someone.

They originally could not help me with deferment but then gave me a plan that created a massive repayment. Crooks

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-16 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Diversified Consultants, Inc.
State: PA

Complaint narrative:
I was contacted by a collection agency regarding a collection account for XXXX utility company, an account not opened by me but by my mother without my permission. They would not let me dispute the claim even with all of the evidence to support that I didnt not open the account. I was aware of the address used on the account because I had lived there while in high school. The account was opened while I was away for college. I told them not to contact me, as my mother agreed to be responsible for the payment. They were given her contact info and told to contact her not me. For the past two weeks, they have called me everyday at XXXX. I answered one time and the man on the phone was trying to force me to pay after explaining the situation and telling him to contact my mother and not me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-16 00:00:00
Product: Money transfer, virtual currency, or money service — Money order
Issue: Lost or stolen money order — 
Company: WESTERN UNION COMPANY, THE
State: MD

Complaint narrative:
In XX/XX/2017 my money order XXXX in the amount of XXXX was stolen. I did a trace for XXXX which o thought would help to get my monies back. This has not happened.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-16 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Problem with direct deposit
Company: Netspend Corporation
State: GA

Complaint narrative:
I normally receive my direct deposit on Monday mornings since it is supposed to be posted on my account by Sunday night ( sometimes it will post on Sunday sometimes it will post Monday morning ). However, lately my direct deposit has been posting late Monday night and this particular pay period of : XX/XX/18-XX/XX/18 I have not received my direct deposit at all. Ive called Netspend customer care dept. and theyve continued to give me different time periods of when my direct deposit will be posted but I have yet to receive it. I have a car note that was due yesterday and if not paid by today : XX/XX/18, I will be forced to turn my car in which puts a strain on my transportation.

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 2018-10-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Bridgecrest Acceptance Corporation
State: PA

Complaint narrative:
On XX/XX/2018, a charge for XXXX as posted against my XXXX Account held by XXXX. This charge was made by " XXXX Bridgecrest XXXXBridgcst XXXX TEL ID : XXXX ''. I tried to call Bridgecrest, but they won't speak to me and insist I reach out to their legal department through my XXXX XXXX. Unfortunately, XXXX won't escalate this on my behalf due to a window ( even though it was quite a recent charge ).

Company response to consumer: Closed with explanation