vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: AZ

Complaint narrative:
XXXX case : XXXX My Loan Care Mortgage Company Then on top of that, they refuse to accept my every other week payments. I have now overpaid {$1500.00} and they are still saying I'm late. I've called for them to accept this arrangment and they accepted. Subsequent calls to get the payments applied have been unsuccessful. This is affecting our credit scores because of their inability to apply payments and communicate with us.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: AES/PHEAA
State: PA

Complaint narrative:
My loans have been serviced by American Education Services ( AES ) since I initially took them out- with the announcement that loan payments that didn't previously quality for Public Service Loan Forgiveness will now qualify as long as loans are consolidated into direct loans, I initiated loan consolidation to direct loans for the purpose of PSLF ( I have been working in public service for over ten years ). I received my loan consolidation confirmation on XX/XX/21 ( loans are now serviced by FedLoanServicing ) and started using the Department of Education Public Service Loan Forgiveness Help Tool in order to confirm my qualifying employer and submit the request for loan forgiveness. Upon completion of the help tool, it informed me that my loans did not qualify for PSLF because they were not consolidated direct loans. I signed in to studentaid.gov and my loans are still listed as being held by AES. I contacted the Department of Education support center and they informed me that many other people have been contacting them with this same issue- that their loans are not being updated in the National Student Loan Data System after consolidating to direct loans. They suggested I contact AES and tell them my information needs to be updated in order for me to complete the PSLF process. 

I contacted AES on XX/XX/21 and told them my information needed to be updated in the National Student Loan Data System in order for me to complete my PSLF application and have my loans forgiven. They informed me that I have a {$0.00} credit on my account ( they owe me {$0.00} )- they could not explain why the payoff amount from the loan consolidation was not correct to reduce my balance to {$0.00}. Because there is a {$0.00} credit on my account, they said after one month they will discharge that amount to {$0.00}, and then one month after that they will update the information in the NSLDS. I won't be able to complete my Public Service Loan Forgiveness application for 2 additional months because they asked for the wrong amount to pay off my loans. My loans are consolidated with FedLoan Servicing. Both companies are owned by PHEAA. They are at the same location. 

AES told me there's nothing they can do to discharge the {$0.00} amount they owe me or update my information with the Department of Education any quicker than 2 months. They don't own my loans anymore and they are holding up my ability to apply for PSLF. I've been a dedicated public servant for over ten years and the recent announcement expanding PSLF is a huge help to me, and this large company with a checkered past is preventing me from taking advantage of the opportunity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: MD

Complaint narrative:
I am having an issue with my mortgage loan # XXXX, serviced by SLS XXXX Specialized Loan Servicing LLC : XXXX ID Main Office XXXX. This loan has been on a Forbearance Plan since XX/XX/2020 due to adverse impact COVID-19 had on my business. I have had two 3 month extensions of the plan, however my most recent request in XXXX to extend it past the current end date of XXXX has not been responded to by SLS. I have been requesting a response weekly for over a month now w/no luck - SLS keeps saying we will look into it. My business is still impacted by COVID and I'm not able to resume payments and I have requested they grant me an extension since I still have 4 months left of the total 18 months allowed by law. What's worse is that they keep calling me day and to let me know that my loan is past due even though when I log in online ( see attached ), the loan shows still in forbearance but the date still XXXX!! This is nothing but harassment! Please help me avoid foreclosure! Thank you!

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 2021-12-06 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: FAIR COLLECTIONS & OUTSOURCING, INC.
State: PA

Complaint narrative:
I Recently looked at my credit report It has come to my attention that ( XXXX XXXX XXXX, and FAIR COLLECTIONS & OUT ) has acquired and shared my information to other companies without my written permission. According to 15 USC 1681b - Permissible purposes of consumer reports, any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) in accordance with the written instructions of the consumer to whom it relates. This is also a violation of 15 USC 1681 ( a ) ( 4 ) Infringed Upon a Consumers Right to Privacy.

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 2021-12-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: PNC Bank N.A.
State: MI

Complaint narrative:
On XXXX XXXX, 2021 I received an email at XXXX XXXX  est stating that my account was charged a {$36.00} overdraft fee. At the time my account sat at a - {$0.00} balance. No overdraft fee is triggered until the account is {$5.00} overdrawn. The bank decides which transaction to authorize and which to refuse at their own discretion, according to the agent I spoke with. So PNC Bank decided to authorize a {$5.00} transaction on an already overdrawn account, which allowed them to charge me {$36.00} because I was over the overdraft limit. It appears that PNC intentionally authorized a withdrawal on an overdrawn account so that they could deliberately push my overdraft amount past the limit of being exempt from an overdraft charge, so that they could charge me {$36.00}. Additionally, the email I received notifying me of the overdraft was sent outside of business hours as was the time of the overdraft fee being charged, which I received 30 mins later. I was not given timely notice which would have allowed me to make a deposit, covering the {$5.00} overdraft. This appears highly unethical I would like the {$36.00} overdraft fee removed so thank I may make a deposit to cover the outstanding overdraft amount.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-12-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: LoanCare, LLC
State: MA

Complaint narrative:
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.

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 2021-12-06 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I was illegally evicted from the rare apartments, they informed me they lost my paperwork to renew my lease & told me to leave, i left within 3 days within those 3 days they turned my power water and heat off, I have an XXXXyr old. 
My original rent was XXXX $ The property is under new management & they were charging me XXXX $ in rent, I said i wasnt going to pay XXXX So they told me to move out then. 
I was forced to move out of my home i was there for 3 years And now they are charging me XXXX $ for rent when i didnt even live there? 
They said they lost my paperwork? 
So i dont understand why im being charged if i was forced to leave the property. 
Ive called XXXX XXXX XXXX for over 30 days, no one has reached out or called me back because they dont know who i am? So why am i being charged 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 2021-12-06 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: EQUIFAX, INC.
State: CA

Complaint narrative:
was obviously NOT properly verified nor validated, nor updated because this information is clearly not reporting correctly which is a violation under the FCRA section 609 and you basically lied to me. So once again, how did you properly validate this account if the ( Open Date, Date of last Activity, Payment History ) is still NOT reporting correctly on each credit bureau. Nor did you supply the documentation I originally requested. So how did your properly verify this, if all this is wrong? So I demand that you delete this inaccurate information from my report immediately as we both know, you cant go back on your word. This is a false representation of my character and I am absolutely upset that you guys would break the law like this. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX / XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
was obviously NOT properly verified nor validated, nor updated because this information is clearly not reporting correctly which is a violation under the FCRA section 609 and you basically lied to me. So once again, how did you properly validate this account if the ( Open Date, Date of last Activity, Payment History ) is still NOT reporting correctly on each credit bureau. Nor did you supply the documentation I originally requested. So how did your properly verify this, if all this is wrong? So I demand that you delete this inaccurate information from my report immediately as we both know, you cant go back on your word. This is a false representation of my character and I am absolutely upset that you guys would break the law like this. 

XXXX XXXX XXXX reporting on all 3 bureaus inaccurate XXXX XXXX  XXXX reporting on all 3 bureaus inaccurate XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 3 Bureaus inaccurate XXXX XXXX reporting on all 3 bureaus inaccurate Independent eXXXX XXXX XXXX Reporting on all 3 bureaus inaccurate XXXX XXXX XXXX  XXXX **** reporting on all 3 bureaus Is inaccurate and it keeps being removed then added back which is breaking another law which ( XXXX ) should be fined, its obvious the multiple inaccuracies where shown.

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 2021-12-06 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: WI

Complaint narrative:
On XX/XX/XXXX a letter requesting method of verification of a public record was sent to Equifax. I have not received any notice of the investigation as of XX/XX/XXXX. I additionally submitted records from XXXX XXXX to Equifax to show that there were no public records listed in regards to the chapter XXXX bankruptcy.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-06 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: FL

Complaint narrative:
I am filing CFPB complaint because the bureaus have not properly provided a reasonable response when I sent them a dispute via certified mail the DISPUTED ACCOUNT CHILD SUPPORT XXXX {$18000.00} Account XXXX Closed. I have asked them to validation, is account in collection, is it late or is it open or closed. Based on all the reports the account is not late and is closed. Why are they reporting otherwise. Additionally, my child is an adult and I am still helping him out. Please provide what right they have to collect under the fair credit and billing act? 

3 facts ( Transunion and XXXX report show different account name and balance ; XXXX report show different account name, balance and closed ). XXXX, Transunion and XXXX have violated my right under the FCR, FTC and Fair credit and billing act by inaccurate reporting on my XXXX and XXXX credit report. XXXX has a different account number and different account balance as shown here ( DISPUTED ACCOUNT CHILD SUPPORT XXXX {$18000.00} Account XXXX Closed ) while XXXX reported something totally different as show here ( CHILD SUPPORT Account Number XXXX XXXX Reported Balance {$18000.00} ). For your reference this case has been closed so why is it still on my credit report. Because of this inaccurate reporting you have hampered my financial future in obtaining financial readiness. Please delete this immediately. ) As a father, I take this seriously. My child is XXXX yrs of age and I am still paying {$200.00} per month to help my children. By law I know all information on the credit report must be 100 % accurate, with no errors and must be verifiable. I know these information are not correct. Please delete this immediately. I am currently working with CFPB to request their assistance in this matter. I wish to see the original sources of the information reported including, but not limited to, the original contract or agreement with my signature. If you cant provide me with this information, please remove the accounts immediately as neither your agency nor I can verify that they are reported accurately. Please do not send back to me as its Factual or Updated. This is not proper in the investigative process. Please provide the name and phone number to person your bureau has spoken with. I have requested the XXXX and XXXX to correct their mistake. I have attached XXXX and XXXX reports to show the discrepancies.

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 2021-12-06 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: FL

Complaint narrative:
I am filing CFPB complaint because the bureaus have not properly provided a reasonable response when I sent them a dispute via certified mail the DISPUTED ACCOUNT CHILD SUPPORT XXXX {$18000.00} Account XXXX Closed. I have asked them to validation, is account in collection, is it late or is it open or closed. Based on all the reports the account is not late and is closed. Why are they reporting otherwise. Additionally, my child is an adult and I am still helping him out. Please provide what right they have to collect under the fair credit and billing act? 

3 facts ( XXXX and Equifax report show different account name and balance ; XXXX report show different account name, balance and closed ). XXXX, XXXX and Equifax have violated my right under the FCR, FTC and Fair credit and billing act by inaccurate reporting on my XXXX and Equifax credit report. XXXX has a different account number and different account balance as shown here ( DISPUTED ACCOUNT CHILD SUPPORT XXXX {$18000.00} Account XXXX Closed ) while Equifax reported something totally different as show here ( CHILD SUPPORT Account Number XXXX XXXX Reported Balance {$18000.00} ). For your reference this case has been closed so why is it still on my credit report. Because of this inaccurate reporting you have hampered my financial future in obtaining financial readiness. Please delete this immediately. ) As a father, I take this seriously. My child is XXXX yrs of age and I am still paying {$200.00} per month to help my children. By law I know all information on the credit report must be 100 % accurate, with no errors and must be verifiable. I know these information are not correct. Please delete this immediately. I am currently working with CFPB to request their assistance in this matter. I wish to see the original sources of the information reported including, but not limited to, the original contract or agreement with my signature. If you cant provide me with this information, please remove the accounts immediately as neither your agency nor I can verify that they are reported accurately. Please do not send back to me as its Factual or Updated. This is not proper in the investigative process. Please provide the name and phone number to person your bureau has spoken with. I have requested the XXXX and Equifax to correct their mistake. I have attached XXXX and Equifax reports to show the discrepancies.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Affirm Holdings, Inc
State: CA

Complaint narrative:
In XX/XX/2021 I purchased a phone on XXXX that was financed through a 3rd party named Affirm. The phone never arrived and XXXX states they applied a full refund to Affirm. Affirm processed a partial refund and then has continued to try and collect the remainder they say I owe. I received no product or money. How is this legal? I finally paid them the balance after months of harassment. I even had XXXX call them directly. This seems like it should violate consumer rights. Hopefully you can help sort this out.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-06 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: PA

Complaint narrative:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. My request for the correction and removable of the erroneous information about my inquiry has been diligently neglected by Equifax. Despite sending them the complaint, dated XX/XX/2021, for the said request, I have not received any response up to this date. Besides, the inaccurate information 's about my inquiries are still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the inquiry that is still reporting on my account and needs to be REMOVED COMPLETELY FROM MY CREDIT REPORT : XXXX Date of inquiry XX/XX/2021 XXXX Date of inquiry XX/XX/2021 XXXX & XXXX Date of inquiry XX/XX/2021 XXXX Date of inquiry XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-06 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: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
I had a reservation to stay at XXXX XXXX  XXXX, NC XX/XX/XXXX - XX/XX/XXXX. I checked in on the evening of XX/XX/XXXX with my dog. There was XXXX XXXX  in the parking lot and large groups of people loitering. I felt unsafe taking my dog for a walk being that I am a single woman. I went to the front desk to tell them. The man working there said " I am not the police, I can't control what people do in the parking lot, my job is to sell rooms. '' I told him I felt unsafe and needed to check out. He said I could have a refund for the remaining days ( even though I didn't even stay one entire night. ) He took my number down for the owner and said that it would not be a problem. I was never provided with a checkout receipt again, the front desk said a refund would not be a problem. I checked out around XXXX. The service I was promised, a safe place to sleep, was not provided by the merchant. My refund never arrived on my statement and I could not get ahold of the owner, so I filed a dispute for the refund amount, {$180.00}. It was temporarily credited to me, but then was re-billed on XX/XX/XXXX. I received no message in my account or letter in the mail notifying me of why my dispute was denied. I called customer service on XX/XX/XXXX and they stated that a letter would be mailed with an explanation, but it never was. They said that the merchant said I stayed at the hotel all three nights, but that is a fabrication. I faxed a letter to appeal their decision on XX/XX/XXXX. It went through successfully, but it has been ignored. The {$180.00} needs to be credited to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-06 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: NY

Complaint narrative:
I am a victim of identity theft. The following information is reporting to my credit report is information that I have no relation to. Under FCRA 605B I am requesting that this information is removed from my credit profile within $ business days of receipt of this letter. I have contacted each creditor and they have failed to provide me with any wet signature contracts stating that I owe a debt or consented for them to run my credit report. The following information is fraudulent ( XXXX XXXX # XXXX {$290.00}, # XXXX {$290.00}, # XXXX {$210.00}, # XXXX {$56.00}, # XXXX {$56.00}. I will be following up with each agency to ensure that this matter is taken care of promptly. Failure to comply will result in a lawsuit against all parties involved. including any agency reporting fraudulent information to my credit report.

Company response to consumer: Closed with explanation