vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-10-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: CA

Complaint narrative:
We had a HERO loan on our property that we paid off in XXXX of this year. 
I called to notify Lakeview that the loan was paid off and so I needed an Escrow Analysis to recalculate my escrow payment. 
Lakeview refused to do anything without a recalculation for the property taxes, which the tax collector does not put out until XXXX. 
On XX/XX/XXXX, I received my property tax statement and immediately sent it to Lakeview with a request for an escrow analysis to recalculate my escrow payment. I was not given a confirmation number but I did print out the " Thank you for Contacting Us '' auto-response. 
At this point, Lakeview has {$6700.00} sitting in my escrow account. My property taxes are only {$3700.00}. My escrow payment is {$850.00}. 
By XX/XX/XXXX, I still had not received a response so I called back. The customer service representative that I spoke to told me that they had not received my document but that it would not matter because Lakeview would not do an Escrow analysis based on my tax statement, only historical payments and so I would not receive a change in escrow until the XXXX tax year rollout. 
I requested to speak to a supervisor who confirmed that I could, in fact, request an Escrow analysis with my property tax statement and asked that I email it to him which I did. 
On XX/XX/XXXX I received an email from Lakeview stating they received my submission, had escalated the inquiry, and would respond to me within 3 business days. 
By XX/XX/XXXX I still had not heard from Lakeview and called to check status. I was told by the Customer service representative that she spoke to her supervisor and she would look into it and call me back by the end of the day. 
I still have not heard from Lakeview. 
Lakeview has enough in my Escrow account to pay my property taxes almost twice. In addition, they are charging a significantly high amount each month for my escrow payment. If I owed Lakeview this much money they would be assessing fees and penalties already. 
I don't know what else to do to get Lakeview to respond.

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 2019-10-31 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: NJ

Complaint narrative:
I am eligible for the Public Service Loan Forgiveness program but Fedloan Servicing customer representatives erroneously told me to consolidate my student loans in either XXXX or XXXX, thereby wiping out all the years of payments I have made before this consolidation occurred. According to the law Congress passed in XXXX, if a XXXX  has worked in a low income schools for 10 years and has made 120 loan payments, they are eligible for student loan forgiveness. Fedloan Servicing has an exclusive contract with the federal Department of Education and to date has rejected 99 % of PSLF applicants including myself. They sent me a notification yesterday that so far, I have only made 73 qualifying payments and have 47 more to go, making me eligible for loan forgiveness in XXXX. I have been paying this loan off for almost 20 years since the year XXXX. I have been a XXXX XXXX XXXX XXXX  serving XXXX XXXX XXXX XXXX for 17 year. I know I qualify for this program. Fedloan Servicing has given countless people like myself wrong information and routinely rejects applicants from loan forgiveness when they in fact qualify. The first round of applicants were eligible for loan forgiveness in XXXX. Less than 1 % of people who applied have had their student loan debt forgiven.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Terrill Outsourcing Group
State: FL

Complaint narrative:
On XX/XX/XXXX I spoke with a Rep by the name of XXXX XXXX He called my work line and I advised that it wasn't a good way to contact me as I was at work. He proceeded to try and keep me on the phone after I advised I was working multiple times. I told him the only # to contact me would be my cell phone #. He still proceeded to go over the account with me after I advised I couldn't speak at the moment. I asked that he email his offer. He sent me an account overview that did not include the offer he made. I attempted to call him back on XX/XX/XXXX at XXXX est but he did not pick up. he proceeded to call my grandmother on XX/XX/XXXX after I advised I could only be reached at my cell phone #.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I AM THE VICTIM OF IDENTITY THEFT, PLEASE HELP ME RESTORE MY IDENTITY. THE DATA LISTED IS THE RESULT OF IDENTITY THEFT. 

BLOCK THE FOLLOWING DATA WITHIN 4 BUSINESS DAYS.

ACCOUNTS : XXXX XXXX XXXX- XXXX XXXX XXXX XXXX XXXX- XXXX XXXX XXXX XXXX XXXX XXXX & XXXX XXXX XXXX XXXX : US BANKRUPTCY COURT-XXXX XXXX XX/XX/XXXX BankruptcyChapterXXXX  Discharged INQUIRIES : XXXX- XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX- XX/XX/XXXX XXXX- XX/XX/XXXX XXXX- XX/XX/XXXX XXXX- XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/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 2019-10-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I AM THE VICTIM OF IDENTITY THEFT, PLEASE HELP ME RESTORE MY IDENTITY. THE DATA LISTED IS THE RESULT OF IDENTITY THEFT. 

BLOCK THE FOLLOWING DATA WITHIN 4 BUSINESS DAYS.

ACCOUNTS : XXXX XXXX XXXX  XXXX COLLECTION XXXX XXXX XXXX- XXXX XXXX XXXX XXXX XXXX XXXX & XXXX XXXX XXXX XXXX : US BANKRUPTCY COURT-XXXX XXXX XX/XX/XXXX BankruptcyChapterXXXX  Discharged INQUIRIES : XXXX- XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX- XX/XX/XXXX XXXX- XX/XX/XXXX XXXX- XX/XX/XXXX XXXX- XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/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 2019-10-31 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:
Second Request : 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 2019-10-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA

Complaint narrative:
I'm going through financial hardship and instead of declaring bankruptcy, I went to " XXXX XXXX XXXX '' for debt management help. I first spoke with them in XXXX and was told that my XXXX credit card and my two Capital One credit cards had been approved into the program. 
One XX/XX/XXXX both Capital One credit cards accepted payment from " XXXX '' - one in the amount of {$130.00} and the other for {$29.00}. 
On XXXX I was charged a " past due fee '' in the amount of {$38.00} on the card that they had just accepted payment for {$29.00}, the day before. 
On XX/XX/XXXX I was charged {$43.00} in interest - which was not what was discussed in my debt management program, it was supposed to be around 2 %, not the previous 25 %. 
I then received a letter in the mail from Capital One that stated that my account " is currently ineligible for this program ''. I called and spoke to a " XXXX '' on XX/XX/XXXX at XXXX XXXX and when she couldn't find any answers for me - she directed me to write a letter, and gave me an address in Utah. I wrote the letter with my questions and concerns. 
I then received a letter back, about 2 weeks later that stated : " we are unable to fulfill your request through written correspondence '' and then they told me to call Capital One. 
I then, very frustrated called Capital One back - again - and spoke with " XXXX '' at XXXX XXXX on XX/XX/XXXX. She read through all of my information and after an hour and 20 minutes, including a call with " XXXX '' a supervisor that stated that he didn't see any reason why this credit card could not be included in the " XXXX '' debt management program, we then included XXXX in this call. XXXX then initiated the payment plan again - and then was denied - again - about a week later. 
I then called on XX/XX/XXXX and spoke with " XXXX '' for XXXX minutes and still, nothing was resolved, but she said that Capital one was looking into it and I would hear back from them " soon ''. 
I called again today, XX/XX/XXXX and spoke with " XXXX '' at XXXX XXXX   and then a senior account manager " XXXX '' at XXXX XXXX. He said that my credit card is not eligible for a program with XXXX, but he could not state why. 

I'm trying to do the right thing, but I'm struggling to pay my bills while living paycheck to paycheck. Capital One has been no help, I feel that they just don't want to help me so they are just stringing me along. I need help from someone!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-31 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I recently disputed a line item on my credit report with Transunion. 
It was for a XXXX XXXX account and the date of first delinquency and date account would be removed. 
I have documentation from XXXX XXXX in response to a XXXX XXXX XXXX  complaint that states the following. 

Date of First Delinquency is XX/XX/XXXX The Fair Credit Reporting Act allow accounts to stay on credit reports for 7 years from the Date of First Delienquency. Transunion reports this account being removed on XX/XX/XXXX, one year past the allowable date. 

Please see all attachements from XXXX supporting my cause. TransUnion is the only reporting agency yet to correct this error, since the information doesnt meet their criteria.

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 2019-10-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Commonwealth Financial Systems, Inc.
State: FL

Complaint narrative:
XXXX XXXX ( XXXX ) calls and harassed myself, my XXXXyear old mom, and my husband. The debt was discharged in a bankruptcy and I no longer owe the debt. This company threatens to file charges with DA office. There is no such thing as going to jail for debts.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-31 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Komyatte & Casbon, P.C.
State: IN

Complaint narrative:
KOMYATTE / CASBON HAS THIS ON MY CREDIT REPORT AND ITS KEEPING ME FROM BUYING ME A HOUSE AND ITS MESSING UP MY CREDIT AND I HAVE KNOW KNOWLEDGE OF THIS ACCOUNT I HAVE INSURANCE AND IT PAYS ALL MY MEDICAL BILLS SO PLESE DELETE THIS FROM MY CREDIT REPORT

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-31 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: Ditech Financial LLC
State: MI

Complaint narrative:
I have been working with Ditech to correct the reporting of my mortgage to the credit bureaus since the beginning of this year, thats right, the beginning of the year. Here we are on XX/XX/XXXX and I still have the same issues. 

In XX/XX/XXXX, Ditech admitted via letter that the information on my credit report with respect to their mortgage was inaccurate. The FCRA Date aka Date of First Delienquency should have been corrected to XX/XX/XXXX. 

I wanted for 5 1/2 months and then pulled my credit reports. To my surprise, nothing changed and the incorrect reporting remained. 

I then followed up with the better business bureau and CFPB about the issue again. 
I recieved two letters from Ditech apologizing for the error. They blamed an interbal system error and said the corrections would be made again. 

Last week, XX/XX/XXXX, I order my credit reports at my expense and low an behold nothing has changed with the reporting of the mortgage. Excuses after excuse, letter after letter admitting fault and incorrect reporting and they have yet to correct the issue with the credit bureaus. How is this even remotely possible. 

I have attached all three responses from Ditech on what the correct reporting should be. One response from Customer Service and two responses from their legal team. ALL SUPPORT MY CASE!!! And yet nobody can send the corrections to the credit bureaus???

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 2019-10-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have contacted this bureau multiple times requesting an investigation to verify the debt and ask who opened and signed for these accounts. I also ask them to remove these fraudulent accounts reporting in my consumer file that do not belong to me. They have not mailed me any results and have yet to contact me regarding this matter. They are not cooperating with me at all. The accounts listed below were opened in result of identity theft. It is hindering me from obtaining credit and I need this removed asap. The accounts are listed here below. XXXX   XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX, XXXX ) XXXX/XXXX : XXXX XXXX/XXXX : XXXX XXXX XXXX/XXXX : XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX/XXXX XXXX : XXXX XXXX : XXXX Dept of ED : XXXX ( XXXX ), ( XXXX ), ( XXXX ), ( XXXX ), ( XXXX ) Bankruptcy XXXX XXXX XXXX : XXXX XXXX  : XXXX XXXX/XXXX XXXX Dept of Ed : XXXX XXXX   XXXX/XXXX XXXX : XXXX, XXXX XXXX XXXX : XXXX, XXXX XXXX XXXX XXXX : XXXX XXXX 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 2019-10-31 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: MA

Complaint narrative:
I have sent over a dozen emails and made numerous telephone calls to Fedloan to have them update the number of PSLF qualifying payments that have been made since XX/XX/XXXX. This correspondence has taken place over the last 18 months. Fedloan has acknowledged that my Employment Certification Form beginning XXXX XXXX has been approved, although I have never received it. As of today, XX/XX/XXXX, my approval letter should be sent via mail in 7-10 days, but I have been told that before as well, and did not receive.

Fedloan states that the payments made to my previous servicer have not yet been assessed. When my loans transferred to Fedloan, my previous payment history was sent to them in a way that their system was not able to automatically review the previous payments and update the the PSLF qualifying payments. This prompted their system to submit a request to have the qualifying payments reviewed manually. The review is still underway and there is no update available. 
I believe that 18 months is a sufficient amount of time to accomplish this task. It is not appropriate that they can not update me with any information, I receive the same response each and every time. Thus far, my PSLF qualifying payments is eight, that only reflects the Employment Certification form that was sent again from the same employer last year.

Fedloan documents each and every telephone call, they have the number of times I have called and inquired. I have many of the emails saved and printed, they were sent directly through my account in " contact us '' section of Fedloan.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-31 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: BARCLAYS BANK DELAWARE
State: MA

Complaint narrative:
I had some illegal use of my credit card around of XXXX of XXXX and called up to dispute .The credit card company put three charges that I had not disputed into a dispute. I received calls from these vendors, In house Cleanout at XXXX for XXXX and XXXX XXXX XXXX at XXXX for XXXX. Barclays told that they were going to pay these vendors. I received repeated calls from XXXX XXXX XXXX   and after about 3 weeks I paid them in full from my XXXX XXXX credit card on XX/XX/XXXX and called up Barclays and told them I had paid the Vendor.. On my XXXX Statement they charged me for the XXXX XXXX bill again. I have made repeated calls and they keep telling me there is nothing they can do as it is to old ( but they put it back on XXXX On the In house clean out I paid the XXXX dollars on XX/XX/XXXX on my XXXX XXXX credit card as I received a call that they were not paid, Right after I paid them along came another XXXX dollar charge from Barclays that they would not take off.

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 2019-10-31 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: GA

Complaint narrative:
I AM THE VICTIM OF IDENTITY THEFT, PLEASE HELP ME RESTORE MY IDENTITY. THE DATA LISTED IS THE RESULT OF IDENTITY THEFT. BLOCK THE FOLLOWING DATA WITHIN 4 BUSINESS DAYS.

ACCOUNTS : XXXX XXXXXXXX XXXX  XXXX XXXX  XXXX XXXX XXXX- XXXX XXXX XXXX XXXX XXXX XXXX & XXXX XXXX XXXX XXXX : XXXX XX/XX/XXXX Discharged BankruptcyChapterXXXX INQUIRIES : XXXX- XX/XX/XXXX XXXX XXXX   XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX- XX/XX/XXXX XXXX- XX/XX/XXXX XXXX- XX/XX/XXXX XXXX- XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-31 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: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
my cr report shows a neg, that the creditor put on my acct. Unable to contact consumer, they have the correct add

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have contacted this bureau multiple times requesting an investigation to verify the debt and ask who opened and signed for these accounts. I also ask them to remove these fraudulent accounts reporting in my consumer file that do not belong to me. They have not mailed me any results and have yet to contact me regarding this matter. They are not cooperating with me at all. The accounts listed below were opened in result of identity theft. It is hindering me from obtaining credit and I need this removed asap. The accounts are listed here below. XXXX   XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX ( XXXX, XXXX ) XXXX/XXXX : XXXX XXXX/XXXX : XXXX XXXX  XXXX/XXXX : XXXX XXXX/XXXX  XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX/XXXX XXXX : XXXX XXXX : XXXX Dept of ED : XXXX ( XXXX ), ( XXXX ), ( XXXX ), ( XXXX ), ( XXXX ) Bankruptcy XXXX XXXX XXXX : XXXX XXXX : XXXX XXXX/XXXX   XXXX Dept of Ed : XXXX XXXX XXXX/XXXX   XXXX  : XXXX, XXXX XXXX XXXX : XXXX, XXXX XXXX XXXX XXXX : XXXX XXXX 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 2019-10-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
my cr report shows a neg, that the creditor put on my acct. Unable to contact consumer, they have the correct add

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
On XX/XX/XXXX I received an email from Florida Department of Highway Safety and Motor Vehicles stating that my records were accessed. 
Same day received an email from American Express saying my application for a new credit card was submitted and approved. 
I called American Express and they said no application under my name were received. 
On XX/XX/XXXX I received the credit card on my name by mail, exactly as the confirmation email received days before fron Amex. 
I calle American Express to submit a claim and close the account, they said they will be closing the account and submit a fraud claim. 
Today I receive a letter about rewards program from American Express. 
I suspect about XXXX XXXX store at XXXX XXXX XXXX where I opened a credit card around XX/XX/XXXX, but never asked for the American Express. 
Help, please.

Company response to consumer: Closed with non-monetary relief