vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-11-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Merchants and Professional Bureau, Inc.
State: MI

Complaint narrative:
This company, which I hold no contract with nor have received services from, reported a collection account against my SSN in the amount of {$77.00} with XXXX, XXXX, & XXXX  credit reporting agencies. I requested verification of the debt and account however the business failed to provide adequate proof. Considering this business does not have a contract with me for goods or services they have provided nor have they provided adequate proof I am not obligated to pay for the alleged debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-07 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
On XX/XX/XXXX, Friday, a girl named XXXX XXXX texts me that she has an interest in renting the room in my Appartment. She sees the floor plans online and says she's interested and she asked me to send me money as she needed some assurance for it. She says she sent me {$130.00}. Instead she calls my bank and makes a ATM deposit claim of {$1300.00}. After that, my bank credits me {$1300.00} as a temporary credit. She tells me she sent {$1300.00} instead of {$130.00} and send her {$1100.00} back. I did via XXXX transfer. Again that evening she texts me that it wasn't working and she has reverted money back to me, when again she made a second claim on my behalf calling bank of America. I send her the money again. So I send her the money actually from the claim but not the money I thought as she transferrd. I get two messages on my bank of America about the claim, I didn't understand anything. I'm amazed how anyone can call from phone and make a claim without calling from an authorized number from Bank of America. Since it's a XXXX transfer, bank of America will reach out to her account and investigate, but I highly doubt it will work. I want justice against this XXXX and bank of America transfer system which has no fraud protection.

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 2018-11-07 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: Diversified Consultants, Inc.
State: MD

Complaint narrative:
I have received a collections account from an agency that was filed in error as I have a legal payment arrangement with the creditor and paid them before the deadline to avoid collection activity on my credit. They are refusing to remove this fraudulent activity from my credit and its effecting my score incredibly Creditor : DIVERSIFIED Acct : XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-07 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: GA

Complaint narrative:
I had filed for a Chapter XXXX Bankruptcy in XXXX. I completed my Case and it was Discharged in XX/XX/XXXX. At that time my Mortgage was still with XXXX XXXX. But something happened with my XXXX XXXX account and they started reporting to all the Credit Bureaus that my Mortgage was now one month late. Ever since then I am still being reported as one month late. XXXX then sold my Mortgage to Specialized Loan Servicing ( SLS ) at the end of XXXX. SLS has been sending me Late letters and calling my Home Phone number ever since. My Bankruptcy Attorney and myself have been asking XXXX XXXX and SLS to provide the exact Month and Year they claim I failed to make that one Mortgage payment so this can finally be resolved. I am tired of the harassment of letters and phone calls. And the Credit Bureaus showing me behind in my Mortgage!!

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 2018-11-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC
State: CA

Complaint narrative:
XXXX XXXX XX/XX/18 Loan # XXXX XXXX XXXX XXXX XXXX Ca XXXX I would like to file a complaint on my mortgage Servicer FayServicing after being over two months delinquent on my mortgage loan I contacted my mortgage company Fay Servicing and spoke to my account manager XXXX XXXX, i explained my hardship situation to her, she told me the fact that I already had two modifications in 15 years I will not be eligible for any loss mitigation options, she stated the Deed-in-Lieu of foreclosure is more likely my only option, I refuse that option and ask her for a Loss Mitigation Application, after completing and return the mitigation application, I make it my duty to call my mortgage service Fay Servicing every few days speaking to different representatives asking for updates on the decision letter of my Application, as in when was it mailed, how long does it take, knowing time is of the essence, I finally receive the decision letter on XX/XX/18 I decided to appeal the Deed-in-Lieu offer, I imedeatley contacted Fay Servicing explaining the decision letter dated XX/XX/2018 and I just received it XX/XX/18 the representative advised me to still go ahead and email my appeal to my account manager XXXX XXXX at XXXX she also provide me with the appeal department email XXXX I emediatley send my appeal to both XXXX XXXX & appeals department, I also include in my appeal the date I received the letter, I called my account manager on that following Monday for an update on my appeal, she told me the fact that I received the letter after the fourteen days window my appeal will not be considered, I was upset telling her thats not fair treatment, if they didnt send the letter in a timely manner I shouldnt be denied to an appeal, I ask to speak to her supervisor XXXX who didnt provide me with a last name explaining the situation and asking her to investigate all my recorded calls regarding the decision letter, she was not helpful at all she told me its no need to appeal because the decision will be the same, I told her I dont care just dont take away my opinion to appeal, at the end of our conversation she told me she will investigate and let me know what she can do, Im not comfortable after our conversation, I dont believe its in her interest to investigate the situation for me to appeal. 
My mortgage server is FayServicing Contact # XXXX My account manager is  XXXX XXXX her contact # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-07 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: MA

Complaint narrative:
Transunion has been allowing XXXX XXXX to report false information on my report without a proper investigation for years. XXXX XXXX illegally repossessed my vehicle XX/XX/XXXX. I stopped paying XX/XX/XXXX after requesting verification of my balance. Which they would not supply to me. XXXX has falsely and knowingly reported information on my credit report for years. When I dispute XXXX  will change a number ex XX/XX/XXXX120 days late to 160 days late and transunion says its valid. XXXX has opened and closed the account many time. Most recently changing it to closedXX/XX/XXXX dropping my score 40 pts. Transunion has always stated this a valid and verified according to the fair credit reporting act. This account has been closed for years. XXXX once reported to XXXX that I owed {$2300.00}, changed the date opened and that was validated by XXXX for months until I spoke to the attorney general in ma. I just want valid and verified information reported on my reported. I have tried to get answers about how my disputed information was verified without answers. This should be illegal but it seems as long as XXXX or whoever else just changes a number when info is disputed the credit agencies state its valid without any type of actual verification. This has been happening to me with XXXX and the CRAs for years. Do I really need to get a lawyer because these companies can report whatever they like while the CRAs verify whatever is reported without any type of information. This needs to stop and it needs to stop now. Im tired of being told false information about me is valid and theres nothing I can do about it. Now I cant dispute that my 10 year old account was closed 2 weeks ago because I already disputed and it was deemed valid.

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 2018-11-07 00:00:00
Product: Credit card or prepaid card — Payroll card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: REGIONS FINANCIAL CORPORATION
State: CA

Complaint narrative:
On XX/XX/2018, I attempted to withdraw the sum of ( XXXX   ) from the ATM on XXXX XXXX XXXX XXXX CA XXXX   using the Comdata card provided to me. And the amount of ( XXXX ) was the only thing dispensed, but it debited me ( XXXX ) not only once but twice the ATM displayed an error on the screen. I went to customer service in that store and I was advised that I needed to contact Comdata to work it out with them since the atm was not theirs and that they had nothing to do with it. I immediately contacted Comdata and was connected to a customer service representative. I was advised that a dispute would need to be opened and that I would be hearing from someone within a few days. On XX/XX/2018 after not hearing from anyone, i called them and they said that by the XXXX i would get my ( XXXX ) refunded back in my account i called on the XX/XX/18 since it was already XXXX and nothing apeared on my account and so i was told that if the next day i didnt recieve anything to call again.. I was provided a case number and was told that I had to write to them to get any additional information, which I did. And. So i checked the next day and nothing on my account i called them again and now they said that that kind of dispute could take up to a month so i had to wait. On XX/XX/2018 i called again because i still havent gotten refund my money and they escalated the case and told me to wait 24-48 hrs. Its now XX/XX/2018 and still nothing these are payroll funds that are necessary to pay household expenses. I have been more than patient, but I still have no resolution to this. I need some assistance to get my payroll funds back to me immediately. Im tired of waiting i think i have waited enough time already

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 2018-11-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
This is related to my previous complain. It was researched but not detailed. I didnt agree with the companys response as it does not cover everything. Please refer to CFPB Ref No : XXXX especially the feedback. I can not reopen the old ticket so this would be a new ticket.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-07 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: ID

Complaint narrative:
I disputed the account with the credit bureaus as " not mine '' but it recently came back as verified ... .I never had an account with XXXX   XXXX, XXXX  XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX   XXXX, XXXX XXXX, XXXX   XXXX and XXXX XXXX They also wont give me evidence or verification as to why they will not remove the account. The error has affected my credit score Please delete immediately before further harm is done

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-07 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: MiraMed Revenue Group LLC
State: IL

Complaint narrative:
I paid the original debtor ( XXXX XXXX Hospital ) the following amounts : XX/XX/XXXX - {$10.00} XX/XX/XXXX - {$10.00} XX/XX/XXXX - {$10.00} XX/XX/XXXX - {$10.00} XX/XX/XXXX - {$10.00} XX/XX/XXXX - {$10.00} XX/XX/XXXX - {$25.00} XX/XX/XXXX - {$25.00} XX/XX/XXXX - {$140.00} I was contacted by MiraMed on XX/XX/XXXX by mail that I owed {$60.00} on XX/XX/XXXX. I contacted XXXX at XXXX who verified a XXXX   balance with them. 
on XX/XX/XXXX. I contacted XXXX at MiraMed who said she'd send a balance verification to XXXX XX/XX/XXXX. I contacted XXXX at MiraMed who was disgustingly rude and disrespectful when I tried to discuss the issue again. 
XX/XX/XXXX. I contacted XXXX at XXXX, she verified the XXXX balance and agreed to escalate the issue with MiraMed and request a Paid In Full letter be sent. 

MiraMed would call various times between then and now and I would explain it again and they would agree to look into it. 

Between XX/XX/XXXX - XX/XX/XXXX, MiraMed called ( 5 ) times about this debt. 

On XX/XX/XXXX, I mailed XXXX and MiraMed copies of the cleared checks my bank sent to XXXX electronically. 

Since XX/XX/XXXX, they have only left two messages attempting to collect a debt. 

I've paid my debt in full to XXXX, MiraMed isn't owed any money. These two companies had a miscommunication and refuse to resolve it and meanwhile Miramed continues to harass me over the issue. I'm requesting debt collection practices be stopped and a paid in full letter be sent. Thank you In the attached file below, my bank could not separate the payments I made to XXXX during this time period but each check ( upper left corner ) and letter ( Re : ) is marked with the correct account number.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-07 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: MA

Complaint narrative:
I have about 12 student loans because my daughters and I were in school together. So I also have Parent Plus Loans. We all graduated and we are either in deferrment or are actively paying the loans back. My oldest went to XXXX XXXX in XXXX, MA and my middle daughter went to XXXX XXXX XXXX and then XXXX XXXX. I went to XXXX XXXX  XXXX I was in EBR with Navient last year, not including the Parent Plus loans. This year recertification has to be completed I believe by XX/XX/2018. I called Navient to say I did not want this upcoming EBR to be based on my last year 's XXXX tax return as I was 1 ) working at the time and 2 ) inherited my parents ' estate.This year I worked intermittently and am now on Unemployment. I have annuities ' income from my parents ' estate which I reported to Navient a month ago, along with several other incomes including Social Security. 

I was advised by Navient representative if I didn't want to use the XXXX, I am to USPS mail the EBR application and send in all proof of income documents with it. 

This I did a month ago. Since then Navient has handled the information with lies, inaccurate feedback, withholding of information and just generally trying to make me fail the deadline. I have repeatedly responded with everything they've asked for with the exception of the XXXX, which they want but which I was told I do not have to submit. I keep uploading onto my Navient account inbox response letters and any additional documentation for which they've asked, with the exception of my response to the " requirement for gross income '' letter. The Navient Advocacy Dept. recited it to me on XX/XX/XXXX. It was dated XX/XX/XXXX but was never sent to me. Nevertheless, I sent to them proof of all gross income for everything I reported to them. They have it as of this writing. 

My income this year is much lower and I am a XXXX citizen with a XXXX adult son so I am trying to hold onto as much money as I can. 

I have done and submitted everything Navient has required but more than once I have received back a letter stating my loans are not eligible for EBR because they are Parent Plus Loans ... four of them are but nine of them are not! 

As well, when I requested EBR a year ago, I was told by Navient representative it had been passed to the Dept. of Education and sat unprocessed when in fact it was at Navient and sat unprocessed. I spent months listening to Navient 's lies to me so it could deflect my legitimate request. Finally it was processed but it was as difficult if not more so last year. 

I have sent Navient about 40 documents so I attached only one of my complaint letters, below.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-07 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: ID

Complaint narrative:
I disputed the account with the credit bureaus as " not mine '' but it recently came back as verified ... .I never had an account with XXXX   XXXX, XXXX XXXX XXXX, XXXXXXXX XXXX   XXXX, XXXX XXXX, XXXX   XXXX, XXXX XXXX They also wont give me evidence or verification as to why they will not remove the account. The error has affected my credit score Please delete immediately before further harm is done

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 2018-11-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: CrossCountry Mortgage LLC
State: FL

Complaint narrative:
We got pre qualified in XXXX to by a home before we made a offer. We signed a contract to build a home with a finish date of XX/XX/2018. We have given the mortgage company all the documents that they requested.. We were promised a interest rate of 4 1/2 % with eather a 7 or 10 year balloon and a 30 year amortization. We have requested repeatedly a written approval letter and as of today still have not received one. Our contract with the builder clearly states that we need a commitment letter by XX/XX/XXXX. After many repeated calls to XXXX XXXX with Cross Country Mortage we would get the same answer, I will let you know by Friday. Monday XXXX called me and said that he got us a interest rate of 5 1/2 paying 1 point. He then said that he would check with another lender to get me a better rate and would call me tomorrow. Still no call. He did get his boss who I think is Vice President of the company involved. In a conversation with him about a week ago he told me how hard they had worked on this loan even getting us a second appraisal from a friend, because they did not like the first one. Now nine days to settlement we still do not have a definitive answer. The stress of dealing with this company and XXXX XXXX has caused me many major health issues including a XXXX XXXX and having to go to a XXXX XXXX. I am now scrambling to find Mortage money elsewhere 9 day before settlement.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-07 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: TD BANK US HOLDING COMPANY
State: NH

Complaint narrative:
XXXX XXXX XXXX rejected my automatic electronic payment from my TD BANK Checking account. XXXX XXXX XXXX then reported my account as delinquent and as a late payment for the month of XX/XX/2018, and also for the month of XX/XX/2018 to various credit bureaus ( XXXX, XXXX, and XXXX ). I filed a complaint XXXX with the Consumer Financial Protection Bureau on XX/XX/2018. XXXX XXXX XXXX responded to complaint XXXX on XX/XX/2018. In their Response XXXX XXXX XXXX admits fault and states that they have issued corrections to the Credit Reporting Agencies. All 3 credit bureaus received corrected information on XX/XX/2018. I have attached a copy of this letter for your reference. On or about XX/XX/2018 XXXX XXXX XXXX did furnish to XXXX  information that was, by their own admission, incorrect. A Dispute was submitted to XXXX  that XXXX  claims to have verified with XXXX XXXX XXXX that their reporting of a late payment for the month of XX/XX/2018 is Accurate. The very same information that XXXX XXXX XXXX in its response to the CFPB Complaint did state that they would remedy and update as a result of their error is now being reported to XXXX  as accurate. XXXX XXXX XXXX has altered its records available to me as a consumer that does not reflect a rejected/error payment, however, reflects no payment at. I believe that this reporting is a willful violation of 15 U.S. Code 1681 ( The Fair Credit Reporting Act ), and it is my hope that the CFPB investigate it as such.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NH

Complaint narrative:
XXXXXXXX XXXX XXXX rejected my automatic electronic payment from my XXXXXXXX XXXX Checking account. XXXXXXXX XXXX XXXX then reported my account as delinquent and as a late payment for the month of XX/XX/2018, and also for the month of XX/XX/2018 to various credit bureaus ( XXXX, XXXX, and Transunion ). I filed a complaint XXXX-XXXX with the Consumer Financial Protection Bureau on XX/XX/2018. XXXX XXXX XXXX responded to complaint XXXX-XXXX on XX/XX/2018. In their Response XXXX XXXX XXXX admits fault and states that they have issued corrections to the Credit Reporting Agencies. All 3 credit bureaus received corrected information on XX/XX/2018. I have attached a copy of this letter for your reference. On or about XX/XX/2018 XXXX XXXX XXXX did furnish to Transunion information that was, by their own admission, incorrect. A Dispute was submitted to Transunion that Transunion claims to have verified with XXXX XXXX XXXX that their reporting of a late payment for the month of XX/XX/2018 is Accurate. The very same information that XXXX XXXX XXXX in its response to the CFPB Complaint did state that they would remedy and update as a result of their error is now being reported to Transunion as accurate. XXXX XXXX XXXX has altered its records available to me as a consumer that does not reflect a rejected/error payment, however, reflects no payment at. I believe that this reporting is a willful violation of 15 U.S. Code 1681 ( The Fair Credit Reporting Act ), and it is my hope that the CFPB investigate it as such.

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