vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-10-23 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: EQUIFAX, INC.
State: NH

Complaint narrative:
I was rear-ended while stopped at a red light on XX/XX/XXXX. The other driver was completely at fault as determined by the police, my auto insurance company and the other driver 's auto insurance company. I received medical treatment for the injuries I sustained in that accident from XX/XX/XXXX to XX/XX/XXXX. Although this matter and all resulting bills is involved in litigation, I was still sent to collections. Once the collections agencies were notified these accounts were involved in litigation two of the agencies halted all collection attempts. However, two other agencies, XXXX and XXXX, still tried to collect the debt. After several calls to each, they did stop calling me but did report me to XXXX and Equifax. I disputed with each bureau. XXXX immediately removed it from my credit report but Equifax denied the dispute on the basis the collection agencies claim they are valid bills. I disputed a second time with the same result. Equifax admits they did not try to validate the accounts are in litigation. I have opened a third dispute and am awaiting the result.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-23 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: IL

Complaint narrative:
I am writing this complaint over concerns that FedLoan Servicing has inadequately managed my student loans. I have had an account with this servicer since XX/XX/XXXX when two Direct Consolidated ( one Subsidized & one Unsubsidized ) Loans were dispersed. 

I have been making on time monthly payments to my lender in hopes of qualifying for Public Service Loan Forgiveness ( PSLF ). This program allows those working for non-profit organizations to receive complete loan forgiveness after 120 monthly payments under a qualifying income-based repayment plan. As a way to track progress, I am obligated to submit employment certification forms to FedLoan which confirms my eligibility and shows my time remaining in the program. Previously, I had received a letter directly from FedLoan Servicing indicating thetotal PSLF qualifying payments I made from XX/XX/XXXX until XX/XX/XXXX, in which it concluded was 32 qualifying payments. Ihave attached the supporting documentation. I have continued to make on time payments and submit employment verification since XX/XX/XXXX, but sometime between XX/XX/XXXX and XX/XX/XXXX FedLoan re-dispersedmy two Direct ( Subsidized and Unsubsidized ) Consolidated loans and created 3 new Direct Consolidated loan amounts ( now 1 Subsidized and 2 Unsubsidized ). In doing so they essentially reset my PSLF qualifying payment counts back to zero starting the Fall of XXXX. I am left with no clear indication that they will honor the previous qualifying loan payments. 

I have contacted FedLoan numerous times to rectify the counts and have received inconsistent explanations each time. On XX/XX/XXXX, I requested for a formal review to be made of my account and that the total number of qualifying payments be recalculated and updated. At that time I was told that my original 2 consolidated Direct loans were split into 3 new loans due to the amount of interest my loans were generating, but that all of my prior payments would still be credited despite the changes. I then this week called to follow up and was told that there is a pending review because FedLoan is waiting for documentation from my " prior loan servicer ''. They claim that FedLoanhas only been my loan servicersince XX/XX/XXXX, which is incorrect since they have been the servicer since XXXX. This to me indicates that they have lost all prior documentation of my on time, qualifying loan payments to FedLoan and I am concerned that all of my prior qualifying payments will not be counted.The total PSLF qualifying payment count should be approximately 51 payments from XX/XX/XXXX until XX/XX/XXXX ( the date of my most recent employment verification.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Diversified Consultants, Inc.
State: SC

Complaint narrative:
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 response to consumer: Closed with explanation
Consumer complaint received 2019-10-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ProCollect, Inc.
State: TX

Complaint narrative:
I was first contacted by ProCollect that owed a debt for {$270.00} for an online apartment application for XXXX at XXXX XXXX. I told that them that it was identity theft and that asked what documents I needed to submit to prove so for an investigation. The employee of ProCollect just to send what I thought I should send. On XX/XX/19, I emailed them my IDTheft Report, a letter telling them it was identity theft, and two utility bills proving my address during the time. They then sent me a letter saying I still owed the debt along with the application that was completed on line. None of the information on the application is correct besides my social security number. All other information is incorrect. There is also no driver 's license identification attached with the application. I called Procollect and was told I needed to submit a police report also to confirm identify theft. I emailed the police report on XX/XX/19. On XX/XX/19, the debt was reported to my credit report even after I told them it was not my debt and it was identity theft in writing. I have since spoken to ProCollect several times ( XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) and they say it my debt only because the social security numbers match and the thieves are using an old driver 's license number that is no longer valid, in use, and is from another state. I am a victim of several online breaches including XXXX  breach and my social security number could have been stolen then. An employee named Mrs. XXXX said she was not required to let me have the investigators report even though I requested it.

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 2019-10-23 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BMO BANK NATIONAL ASSOCIATION
State: WI

Complaint narrative:
Last year in XXXX, I opened a brand new checking and savings account at BMO bank with bonus promotion. 
They promised my that the bonus will be automatically deposit to my bank accounts after qualifying days, which should not be later than XX/XX/2019. In XXXX, I was called on Military XXXX XXXX order, after I went back from the order in XX/XX/2019. I still didn't see the bonus in my both accounts, so I called the banker in XXXX XXXX, WI. I was informed that the bonus will be deposit to my accounts soon. After a couple of weeks, i only saw the bonus in my checking account, not savings ans with addition paperless statement bonus ( {$50.00} ). Up until now, I still have not got any bonus in my saving account. 
This is against the terms and condition policy of BMO bank when I opened my accounts with them. Now, it made me believe that BMO bank does not have ethical code of conduct and integrity to do business with customers.

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 2019-10-23 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
THIS COMPLAINT IS REGARDING BANK OF AMERICA ACCOUNT XXXX.MULTIPLE DISPUTES HAVE BEEN INITIATED THROUGH XXXX AND OTHER BUREAUS.IN ADDITION THE CREDITOR WAS ADDRESSED IN CFPB DISPUTES AND COMPLAINT. 
BANK OF AMERICA AND XXXX ARE DEPICTING ERRONEOUS LATES.NOW, I PLAN TO SUE BOFA AND XXXX  FOR EVERY FRAUDULENT VERIFICATION/CERTIFICATION THAT HAS BEEN ACCOMPLISHED.THE STATUTORY DAMAGE AMOUNT IS XXXX DOLLARS PER INFRACTION WITHOUT PROVING NEGLIGENCE OR INTENT.FOLLOWING THE RESULT OF THIS COMPLAINT I WILL SEND A DEMAND LETTER TO XXXX  AND BOFA SEPERATELY DEPENDING SOME-WHAT ON THE OUTCOME HERE, OTHERWISE I WILL ADD XXXX EACH TO EACH CLAIM IF UNSATISFIED AND I WILL SEE YOU IN COURT OR NOT IN XXXX SUPERIOR COURT. 
THE 2 VERIFIED DISPUTES DATED COMPLETE ON XX/XX/19, DISPUTE CONFIRMATION NUMBER XXXX AND XX/XX/19, DISPUTE CONFIRMATION NUMBER XXXX FROM XXXX SHOW THE LATES AS EXCLUSIVE AND DIFFERENT FROM THE EXCLUSIVE AND DIFFERENT DATES SHOWN ON PAGE ONE FROM THE BOFA FINAL LETTER.REMOVE BOFA FROM ALL BUREAUS

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 2019-10-23 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: Clear Start Today
State: NJ

Complaint narrative:
On XX/XX/2019, I spoke with XXXX from Clear Start Today - XXXX x XXXX. She explained that the best program to consolidate my loans would be to pay {$240.00} x 4 months to lower my monthly payments for {$140.00} / month for 240 months and for one interest rate. I thought this money would go towards my student loan payments not a fee to consolidate my loans. I gave my XXXX card over the phone to make the first payment and then set up monthly payments going forward for the XXXX of each month- 3 payments have been processed. I e-signed a document for the client agreement on XX/XX/XXXX and proof of income was sent on XX/XX/2019. On XXXX XXXX, I got an email about an FSA ID that was created. On XX/XX/2019 I received an email and phone call on the XXXX stating my payment was declined and confirmed payment over the phone again using my XXXX card for the third payment. I was told this program was specific for my federal loans however I was notified by my loan provider that starting XX/XX/2019 my private loans were put into forbearance and that my auto deposit from my bank account was stopped however I never authorized this information.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-10-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: CT

Complaint narrative:
After much solicitation from PennyMac, I decided to initiate a refinance on my home, which they were currently servicing the mortgage for. The initial individual that I worked with was XXXX XXXX, she was wonderful ; polite, engaged, great phone etiquette, great follow up, and simply made me feel like this is a company I want to be in business with. As soon as she handed me off to XXXX XXXX, the issues started. Perhaps to no fault of his own, but his lack of follow up made the situation 10 times worse. I was the one that had to call over and over and over to get an update, I would leave messages and send emails and not even a courtesy email back. All my paper work was submitted in order, my appraisal came back even higher that what we needed, my credit was where it needed to be, my reserve funds were where they needed to be, everything was in perfect order to close my loan. They denied me because I had some mail going to my mothers house, which is not wrong in any way shape or form. They never asked for a letter of explanation, they never asked for a copy of my license, never put a call to me. If I did not call over and over, no one would have even told me. I asked for a manager and was lied to about it being escalated to someone who was not even there for days. I offered to provide my birth certificate and proof my parents owned the house, I sent the letter they never asked for, I sent the copy of my license they never asked for. To this day no one in management has called me back. The items I provided should have been requested from me, I work in the same industry and know that my file has been mishandled and as a client I have not been given the service I deserve.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC
State: SC

Complaint narrative:
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 believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I have tried numerous times to get the credit bureaus to remove fraudulent names and addresses on my credit report, after sending letters and disputing these fraudulent personal information reported on my credit file, XXXX, Equifax, and XXXX still hasn't removed under the fair credit reporting act. The only name that should be reported and showing on my credit reports is as follows : XXXX XXXX XXXX XXXX. The only address that should be reporting on my credit files should be as follows : XXXX XXXX XXXX. XXXX, NC XXXX. All other names and addresses are fraudulent and must be removed, the following are the fraudulent names and addresses as follows : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX. 
XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, NC XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I have tried numerous times to get the credit bureaus to remove fraudulent names and addresses on my credit report, after sending letters and disputing these fraudulent personal information reported on my credit file, XXXX, XXXX, and Experian still hasn't removed under the fair credit reporting act. The only name that should be reported and showing on my credit reports is as follows : XXXX XXXX XXXX XXXX. The only address that should be reporting on my credit files should be as follows : XXXX XXXX XXXX. XXXX, NC XXXX. All other names and addresses are fraudulent and must be removed, the following are the fraudulent names and addresses as follows : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX. 
XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX  XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC 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 non-monetary relief
Consumer complaint received 2019-10-23 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: NC

Complaint narrative:
I have notified all 3 major credit bureaus about fraudulent accounts reporting on my credit reports and they have yet to send me verification of any investigation they've performed or verification that these accounts belong to me, the following are all of the fraudulent accounts that don't belong to me as follows : 1.  XXXX XXXX # XXXX 2. XXXX  XXXX XXXX ACCT # XXXX 3.XXXX XXXX ACCT # XXXX 4.XXXX XXXX XXXX XXXX ACCT # XXXX 5. XXXX XXXX XXXX ACCT # XXXX 6.XXXX XXXX XXXX ACCT XXXX XXXX 7.XXXX XXXX ACCT # XXXX 8.XXXX ACCT # XXXX 9. XXXX XXXX XXXX XXXX ACCT # XXXX # XXXX # XXXX 10. XXXX XXXX XXXX ACCT # XXXX 11. 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 2019-10-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Strategic Alliances, Inc.
State: SC

Complaint narrative:
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 believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: ID

Complaint narrative:
Specialize Loan Servicing applied the {$1000.00} payment I sent XX/XX/2019 to the wrong account. I contacted SLS in Mid XXXX to correct the issue. I contacted them again on XX/XX/XXXX and XXXX. On the XXXX the agent told me the account error had been corrected. When I received my XXXX statement it indicated that the accounting error had not been corrected so I again called SLS.  This time the agent informed me the the error had not been corrected but was under review. Throughout this process they had asked me to send, via email, evidence of the payment being made. Four separate times I sent an email with the cashed check image attached and a corresponding " email received '' notification back from their address ( XXXX  ). During the last time I sent the email I noted a hand written account number ( XXXX ) on the cashed check. It was obviously a SLS mortgage account number but was not my account number. I called SLS, discussed the issue with the agent and gave her the account number. She looked at the account, stated that my payment had indeed been applied to that account and that she would issue an account correction that would take 3 days to process. Three days later I called back, again discussed the issues and was informed by the agent that the account was still under review. 

The difficulty correcting this issue caused me to refinance my home mortgage with a new company. Closing took place 2 weeks ago, I am currently waiting for SLS to send me the payoff statement, refund the escrow balance ( approximately {$2000.00} ), and refund the {$1000.00} XXXX payment plus the associated fees they charged for " late payment. '' All resent attempts to contact their customer service have resulted in extremely long wait times that eventually end with and automated teller saying " we are currently closed for a company meeting. Please call back in 30 minutes. ''

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 2019-10-23 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:
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 2019-10-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: IA

Complaint narrative:
REPEATEDLY contacted them about verifying debt and they will not verify the debt ... they will only keep asking me for more information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: MN

Complaint narrative:
I was told my bankruptcy would be off my credit report in 7 years. I hope you can help me. I have tried with all 3 major reporting agencies, to no avail.

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 2019-10-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Penn Credit Corporation
State: GA

Complaint narrative:
I have contacted this company XXXX XXXX and three different collection companies regarding a debt bill for XXXX XXXX and although the debt was a result to identity theft when they first contacted me to pay it with XXXX and XXXX XXXX  ( I thought it was a law firm for a parking ticket and scamme me into paying it ) I did, then it was resold to XXXX XXXX and I explained to them that I paid it and then it was resold again to Penn Credit Corporate now reporting under XXXX XXXX for {$120.00}. I went back and contacted the collection company XXXX XXXX XXXX that I paid and they said that I no longer owed the debt and verified but they are not required to contact XXXX! This debt is continuesly being resold and is tarnishing my name! XXXX Manager stated to me that she can not do anything about it when I submitted proof and identiy afidavits as well as police reports. 
I do not owe this debt and it needs to be removed asap!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation