vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-27 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
IRT CFPB Complaint # XXXX. CONTINUED DISCRIMINATION & BIAS. 

On Thursday XX/XX/2022 and again on SATURDAY XX/XX/2022 at approximately XXXX PM, I received notification that Navy Federal sent concerning revised loan documents that required my signature. These documents and the message was sent from my new loan officer, XXXX XXXX. These documents also contained some information that has never been discussed with or between myself, XXXX XXXX, or even the former loan officer XXXX. Additionally, I have no idea who Ms.Biles is, I have never spoken to her, I have never been told to expect a phone call or an email from her, and I have no idea why Navy Federal is deciding to forward yet again 100+ pages of documents to me without having anyone contact me to at least explain what it is theyre sending or include what has been discussed in the documents. Under no circumstances should Navy Federal be filling out documents on my behalf without first speaking to me.

But what struck me as most interesting, is that these documents had an increased rate ( that is not advertised anywhere on the Navy Federal Credit Union site ) for the loan itself. In an effort to continue to cover up their previous perceived discrimination, it appears NCFU is applying a rate increase to my application. Again, THEY filled out the application without discussing or disclosing with me ANYTHING to include a rate increase prior to forwarding to me to sign. We could try to attribute this increase due to the conference held by the Federal Reserve, but with these rates being very different than what is advertised on their website, yet the previous rate was not, I find this to be another only highly suspicious but a continuation of previous biases. Again, I do not accept that a company of this size, that has outstanding customer service in so many other areas, continues to have subpar customer service in this one department and it reaches the span of almost every employee. 

As NFCU continues to look into this matter, hopefully we can gain insight as to what happened here and why customers, namely me, are attempted to be gouged and penalized for a mistake THEY made if this is truly not a continuation of discrimination. 

Lastly, in an effort to actually be done with this situation, one way or another, XXXX XXXX was forwarded the same resolution standards previously sent.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-27 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: PA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account : XXXX In accordance with the Fair Credit Reporting act XXXX  Account : XXXX In accordance with the Fair Credit Reporting act XXXX Account : No Number, Date XXXX XXXX In accordance with the Fair Credit Reporting act XXXX XXXX Account : No Number, Date XX/XX/2012 XXXX U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Oh XXXX 2022 I open a citi priority account which includes a checking and savings account upon opening this account I made the external transfers which was a deposit of {$1000.00} on XX/XX/XXXX from my chime account And a another deposit {$1000.00}. I received stating that my citi account will be closed within 60 days this email was sent on XXXX2022. Citi bank is now holding on to my money I have to wait two months to get my. Money back an will like to receive it as soon as possible

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 2022-03-27 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
This Item has been deleted from the other two credit bureaus such as XXXX and XXXX because this debt is not been validated or verified by XXXX XXXX or by the original creditor XXXX XXXX XXXX XXXX even after I attempted to validate by asking for a statement or original contract bank states account is too old and they don't have that document. And XXXX XXXX keeps adding interest to the original balance that has not been verified.

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 2022-03-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Southwest Stage Funding
State: MS

Complaint narrative:
Cascade/Southwest Stage Funding XXXX Has used creative accounting practices on applying my payments. In an attempt to pay off my mortgage earlier I have sent in extra payments to be applied to Principle. It was discovered that this money was being shown as ADVANCE INTEREST. I had sent notice that any and all extra payments in a billing cycle should be applied directly to principle. When contacted about this, Cascade/Southwest Stage Funding , then shown payments were corrected. I feel that I was charged interest on money that had been attempted to be paid. I have requested an audit by Cascade/Southwest Stage Funding to ensure payoff amount is correct. This action has not been performed. Due to displayed accounting actions of Cascade/Southwest Stage Funding I request an investigation into their accounting applications..

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-27 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: Central States Recovery, Inc.
State: KS

Complaint narrative:
I have paid the debt to the original company. I have called XXXX XXXX XXXX XXXX in XXXX XXXX, ks with no response and I have contacted central states recovery in XXXX, ks and they havent remedied the issue. It's been a month.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-27 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: TX

Complaint narrative:
On XX/XX/2022 I received an email response from XXXX XXXX stating that the account that was fraudulently opened due to identity theft was going to be removed from my credit report. Nearly 3 months later this account has been added back to my account with 2 missed payments. Experian has violated the FCRA by reinserting an account that has been labeled as fraudulent

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 2022-03-27 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: FL

Complaint narrative:
Dear TRANSUNION LLC, To whom it may concern, YOU BROKE THE LAW!!!

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 2022-03-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2022-03-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IN

Complaint narrative:
XX/XX/XXXX Bank of America paid my property taxes on my behalf and created an escrow account without my knowledge to repay. I also paid my property taxes. My county treasurer and I discovered the mistake. My county treasurer refunded their amount and in XXXX of XXXX I paid Bank of America the other refund for the fall taxes they also paid without my knowledge. The escrow account is receiving all of my monthly mortgage payments and my actual mortgage amount is standing still. Bank of America is also charging me late fees and interest for every month that goes by. In the meantime, it was also discovered that Bank of America has paid property taxes on a parcel that was sold by me XX/XX/XXXX. I do not and am not responsible for that transaction. I have communicated via telephone numerous times with Bank of America about their errors but have not gotten closure.

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 2022-03-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The CMI Group, Inc.
State: VA

Complaint narrative:
Old account with XXXX XXXX where debt was owed in XXXX of XXXX has been paid in full as of XX/XX/XXXX. Debt collection company, Credit Management LP refuses to remove collection and continues to falsely report on credit report as derogatory and seriously past due with no current balance. Attempts have been made to dispute collection and Credit Management , LP continues to report debt as accurate which is simply inaccurate.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-27 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: MS SERVICES LLC
State: CA

Complaint narrative:
This Item has been deleted from the other two credit bureaus such as XXXX and XXXX because this debt is not been validated or verified by MS services or by the original creditor XXXX XXXX XXXX XXXX even after I attempted to validate by asking for a statement or original contract bank states account is too old and they don't have that document. And MS services keeps adding interest to the original balance that has not been verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2022-03-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-27 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX  Account : XXXX In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account : XXXX In accordance with the Fair Credit Reporting act XXXX  Account : XXXX In accordance with the Fair Credit Reporting act XXXX XXXX Account : XXXX In accordance with the Fair Credit Reporting act XXXX  XXXX XXXX XXXX XXXX Account : XXXX In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account : XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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 2022-03-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2022-03-27 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivables Performance Management, LLC
State: OK

Complaint narrative:
Collection account opened on my XXXX credit report for {$5000.00} in XX/XX/XXXX. This refers to an XXXX XXXX XXXX from XXXX that was turned in and the account was closed. XXXX took over XXXX XXXX in XXXX and mishandled the accounts. There are hundreds of similar cases that were then bought by XXXX XXXX XXXX ( XXXX ) and are now being erroneously pursued by Receivables Performance Management ( RPM ). My vehicle was turned in early, disposed of at auction, and the account was closed. I am not responsible for this debt as it does not exist due to XXXX 's mishandling of the accounts ( which is why they are now out of business ).

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 2022-03-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2022-03-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: MN

Complaint narrative:
We closed on a mortgage for our cabin with XXXX mortgage, in XX/XX/XXXX. We put down 10 %, so the amount of the loan was {$270000.00}, with a value of {$310000.00}. Post closing, the loan was sold to NewRez. 

In XXXX of XXXX, I called NewRez to inquire how to go about removing the PMI charge ( XXXX month ) from my account. I was told on the phone that the XXXX had to be lower than 80 %, then PMI would be canceled. In XX/XX/XXXX, I submitted a one-time principal payment of {$28000.00} to bring the XXXX below 80 %. 

In XX/XX/XXXX, I noticed that the PMI charge was still on my account. I called back, and was told that I needed to submit a request in writing ( via fax ) to cancel the PMI, which I did. 

The company responded to me via a letter in XX/XX/XXXX that stated that I would need to submit a check for {$750.00}, so that they could conduct a valuation of the home to determine that the value has not decreased. I was confused about this, and called to discuss. The customer service rep stated that the PMI would be automatically canceled at 78 %. I was very close to this amount, so I submitted an additional one-time payment of {$500.00} in XX/XX/XXXX. 

In XX/XX/XXXX, the PMI balance was still on my monthly statement. I called to ask, and they stated that PMI is only canceled below 78 % based on the ORIGINAL payment terms -- that additional payments do not matter, and I would still need to submit an additional {$750.00} for a property valuation, then they can assess if the PMI can be canceled. 

My complaint is that NewRez has been very misleading throughout this process. At least two different call center reps have confirmed that PMI would be canceled if I submit additional principal payments, which I have done. Now I find out that even though I have submitted additional principal, I STILL have to submit an additional {$750.00} for an additional valuation. Given that the initial valuation was done 18 months years ago ( and the homeowners market has only increased! ), this feels like an unnecessary expense that is designed to keep people paying PMI charges. I am very hesitant to pay this charge, since it seems like if I do, there will be another trick around the corner, and then I will be out the PMI charge PLUS {$750.00}. 

In addition, in all of these dealings- NewRez is intentionally hard to communicate with. Communications are only over the phone - so there is no record of what they told me. When I needed to submit a request in writing, this had to be done via fax. Who has a fax machine anymore?!? Then they respond via a letter several weeks ( or months! ) later, which is intended to delay this process further. Their refusal to use email to communicate indicates that they are trying to avoid a paper trail on their practices. 

Thank you for your attention to this matter. 
XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-27 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: OH

Complaint narrative:
Ive called to Experian and requested to have old addresses removed from my report. According to the Fair credit reporting act I have the ability to dispute these erroneous mistakes of addresses that are causing these negative items that do not belong to me to report on my credit. This is causing me great harm and stopping me from getting my home. I want these addresses removed ASAP.

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 2022-03-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am a victim of identity theft and I need help because my credit has really been affected. I have been asking for help and my lawyer told me to submit a complaint. I have completed the report and have attached my documents for proof of ID. I am deeply affected by the reporting of these accounts that don't belong to me. According to section 605 ( b ) of the FCRA, these accounts must be removed within 4 business days of reciept of this report. Failure to do so is a violation of my rights.

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 2022-03-27 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rock Creek Capital, LLC
State: OK

Complaint narrative:
XXXX account opened on my XXXX credit report for {$5000.00} in XX/XX/XXXX. This refers to an XXXX XXXX XXXX from XXXX that was turned in and the account was closed. XXXX took over XXXX XXXX in XXXX and mishandled the accounts. There are hundreds of similar cases that were then bought by Rock Creek Capital ( RCC ) and are now being erroneously pursued by XXXX XXXX XXXXXXXX  ( XXXX  ). My vehicle was turned in early, disposed of at auction, and the account was closed. I am not responsible for this debt as it does not exist due to XXXX 's mishandling of the accounts ( which is why they are now out of business ).

Company response to consumer: Closed with explanation