vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-06-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: IL

Complaint narrative:
We were approaching 80 % of o ur LTV thr ough  XXXX , our previous mortgage company, which told us through their amortization schedule that at {$190000.00} we would be at 79.9603 % and under the 80 % required to drop PMI. Around  XXXX  of  XXXX  our mortgage was bought out by  Specialized Loan Servicing. Alth ough we have been paying ahead of schedule, they have never sent us an amortization schedule even after we have requested it. On  XXXX   XXXX ,  XXXX  we inquired about the removal of PMI for our mortgage, since on  XXXX   XXXX  we paid down our mortgage to {$190000.00} and below 80  % of our LTV wh ich  XXXX  Mortgage and  XXXX  agreed was our init ial LTV rati o. Whe n SLS ( Specialized Loan Servicing ) too k over our mortgage they never sent us an amortization schedule. After receiving the email they claimed that we were not at 80 % and needed to prove our house had not lowered in value by signing papers to have SLS charge for a BPO/Appraisal for up to {$800.00}. They then told us we were not at 8 0 % LTV because instead of using the original house appraised value or the sale price they claim and are continuing to claim that they are allowed to use the original loan amount as their LTV base number. The appraisal price was {$240000.00}. The sale price was {$230000.00}. The original loan amount was {$220000.00}. We paid 5 % down on the house and SLS is not including that into their calculations for LTV. This is elementary math. How can a mortgage company run with em ployees that can not do elementary math. They have since charged us 3 months worth of PMI at {$88.00} per month claiming that we are not eligible to remove our PMI. We have since sent another email on  XXXX   XXXX , again asking for PMI removal. They did not respond, when called later they claimed that they assumed the " issue was closed ''. On  XXXX   XXXX , we provided evidence through a fax, that we have met all requirements necessary from our mortgage company to remove PMI, we also included a real estate market comparative analysis/BPO that our house has not only maintained its value but increased in value by 8.5 %. They did not respond. Again we followed with a phone call and they continue to argue that we are not at 80 % but believe we are at 82 %. Our current loan balance is {$180000.00} or 79.71 % of the original sale price of {$230000.00}

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 2017-06-16 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: GA

Complaint narrative:
On  XXXX   XXXX ,  2017 , received by all  XXXX  credit reporting companies by  XXXX   XXXX ,  2017 , by land mail ; I wrote a very extensive dispute request to all  XXXX  credit reporting agencies (  XXXX   XXXX ,   XXXX   and Experia n )  and most of the disputes did not end with a correction in either of my credit reports. Many of the creditors responded in under 15 days according to the credit reporting agencies ( using the   XXXX   system  ).   After speaking with a representative from all  XXXX  credit reporting agencies, they all confirmed that the creditors used the  XXXX  system to expedite my dispute with creditors and none of the m ( credi t reporting agencies,  XXXX   XXXX ,  XXXX  or Experia n ) req uired the creditors to prove that I had accounts with them, by sending in copies of contracts, agreements or invoices. Instead, the credit reporting agencies used quick reference codes as shor t as 2 characters to ( respond in about 4 seconds ) say that data on my customer/consumer information is being rep orted correctly. I had a repossession that I settled,  XXXX  collections accounts I paid off, a credit card that I settled, a bankruptcy application that was on their but not completed. None of these accounts were reporting correctly and in some cases there were different accounts numbers on my credit report that were not the actual account numbers I had under credit. Hence, my bankruptcy request was not approved, so I do n't have a bankruptcy, but th e State of Georgia has it on my credit report as a negative account. They show I applied but was not gran ted and all  XXXX  bureaus are reporting this as a negative account, hurting my credit and chances at a better life.  <P/> CFPB you got ta help me get this mess off my credit report. I am a 21 year,  XXXX  time combat veteran who could not work for years due to my  XXXX   XXXX   XXXX  diagnosed condition. This is what I get for serving my country?  <P/> This clearly violates the CFPB requirement.

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 2017-06-16 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: GA

Complaint narrative:
On XXXX XXXX 2017, received by all 3 credit reporting companies by XXXX XXXX 2017, by land mail ; I wrote a very extensive dispute request to all XXXX credit reporting agencies ( XXXX XXXX, Equifax and XXXX ) and most of the disputes did not end with a correction in either of my credit reports. Many of the creditors responded in under 15 days according to the credit reporting agencies ( using the XXXX system ).  After speaking with a representative from all 3 credit reporting agencies, they all confirmed that the creditors used the XXXX system to expedite my dispute with creditors and none of them ( credit reporting agencies, XXXX XXXX, Equifax or XXXX ) required the creditors to prove that I had accounts with them, by sending in copies of contracts, agreements or invoices. Instead, the credit reporting agencies used quick reference codes as short as 2 characters to ( respond in about 4 seconds ) say that data on my customer/consumer information is being reported correctly. I had a repossession that I settled, 2 collections accounts I paid off, a credit card that I settled, a bankruptcy application that was on their but not completed. None of these accounts were reporting correctly and in some cases there were different accounts numbers on my credit report that were not the actual account numbers I had under credit. Hence, my bankruptcy request was not approved, so I do n't have a bankruptcy, but the State of Georgia has it on my credit report as a negative account. They show I applied but was not granted and all XXXX bureaus are reporting this as a negative account, hurting my credit and chances at a better life. <P/>CFPB you got ta help me get this mess off my credit report. I am a XXXX year, 2 time XXXX veteran who could not work for years due to my XXXX connected XXXX diagnosed condition. This is what I get for serving my country? <P/>This clearly violates the CFPB requirement.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-16 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: Santander Consumer USA Holdings Inc.
State: FL

Complaint narrative:
I contacted this agency on  XX/XX/XXXX   . The information on my credit file states I had a car loan with them, when I never had a loan with them. The date they state I opened a loan is the same date I opened my loan with   XXXX   XXXX   Who is currently my finance company and always have been since  XX/XX/XXXX ! I attached copies of my   XXXX   XXXX   documents!  Proving Santander consumer company was never my finance company and I still possess my vehicle! I am a victim of fraud! I have contacted my lawyer then fbi! Santander  consumer is fraudulent!! They are keeping me and my children from home ownership!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: CO

Complaint narrative:
FedLoan Servicing 

I have been enrolled in IBR, quite successfully, with FedLoan Servicing for over 5 years. On   XXXX   XXXX  ,  XXXX  they received my IDR request to switch from IBR to REPAYE, and said "Within the next 10 days (if not sooner!), we will review your request and send a follow up email of next steps and any additional actions needed."

On   XXXX   XXXX  ,  XXXX , I received a message from them saying "We will send you information about your request as soon as possible... Thank you for your patience as we process your request!"

On   XXXX   XXXX  ,  XXXX , I called them and asked what was happening. I explained that I had submitted a request to move from IBR to REPAYE several weeks previously and still hadn't heard anything. They said I needed to have patience. Then the customer service rep said "oh, it has been a long time, you submitted on   XXXX   XXXX  ." The customer service rep said I'd hear "soon".

On J  XXXX   XXXX  ,  XXXX , I received a message saying:
"We will process your Income-Driven Repayment (IDR) recertification request once the final bill of your current schedule is generated on   XXXX  .
Once we have processed your request, we will send a follow up email detailing your monthly payment amount or if we were unable to process your request.
Reminder: Continue to make your normal monthly payment amount. Your payment amount may change, but we will notify you of the new amount and when it is first due."

I called them within an hour of receiving that message to ask what was happening and to translate the email. The customer service representative said I'd receive a notice "soon" that would be a $  XXXX   invoice for the next month's payment. After that $  XXXX    payment, I'd be made aware of my new REPAYE monthly payment. And then, in   XXXX   XXXX  , I'd have to recertify my income and calculate a new REPAYE. That seemed reasonable.

Today is   XXXX   XXXX  , and I haven't heard anything. I'm frustrated with the communication and customer service from FedLoan Servicing. I need help. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I ha ve contacted   XXXX   XXXX   XXXX   in regards to an account listed on my credit report that I do not recognize. They are reporting to the   XXXX   major credit bureaus on behalf of Synchrony Bank. I have asked  XXXX  to  verify the validity and accuracy of this alleged account and they have not sent me any proof of a contract or anything with my signature taking claim of this debt that amounts to {$1200.00}. I have never had an account with Synchrony Bank. I have sent them a dispute letter stating that if they can not verify this account, they need to remove the account from my credit report. They have sent  only 1 letter  saying that they have done an investigation on the account and it was being reported as accurate. But they still have nothing binding me to a contract. No proof has been made available to me. So therefore the debt needs to be removed from my credit report 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 2017-06-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Transunion LLC  XXXX   XXXX   XXXX   XXXX , PA  XXXX  ;  XXXX   XXXX   Maintenance Document Control   XXXX . Box  XXXX   XXXX , TX  XXXX  ;  XXXX   XXXX   XXXX   XXXX   XXXX , GA  XXXX  have been reporting erroneous information on my credit report since  2013 . I have asked them to remove the information and they have found ways to collude with  XXXX   XXXX   XXXX  Bank to keep the mortgage information on my credit report.   They just recently acknowledged receipt of le tters ( respons es attached ) from property requesting information be corrected. We have even provided copies of the notorized QUIT CLAIM DEED to Transunion,   XXXX   XXXX   XXXX   in  2013 , yet they turn ed a blind ey e and willfully violated the Fair Credit Reporting Act ( FCRA ), Service members ' Reli ef Act ( SCRA ) a nd the Fair Debt Collection Practices Act ( FDCPA ).  XXXX   XXXX   XXXX  was also informed of this matter and chose also to violate the FCR A, SCRA and  FDCPA. Both I and my wife have written countless letters to remedy this with the credit bureaus to no avail. They have caused us economic and emotional duress as a result of their violation of the cited above. We hereby ask that the mortgage pertaining to property at  XXXX   XXXX   XXXX   XXXX   XXXX  TX  XXXX  be deleted from our cred it files IMMEDIATELY.

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 2017-06-16 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: FL

Complaint narrative:
XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , PA  XXXX  ; Experian  XXXX   XXXX   XXXX   XXXX   XXXX .   XXXX    XXXX   XXXX , TX  XXXX  ;   XXXX    XXXX   XXXX   XXXX   XXXX , GA  XXXX  have been reporting erroneous information on my credit report since   XXXX  . I have asked them to remove the information and they have found ways to collude with  XXXX   XXXX   XXXX   XXXX  to keep the mortgage information on my credit report.   They just recently acknowledged receipt of letters  (  responses attached ) from property requesting information be corrected. We have even provided copies of the notorized QUIT CLAIM DEED to  XXXX , Experian and  XXXX  in   XXXX  , yet they turned a  blind  eye and willfully violated the Fair Credit Reporting Act ( FCRA ), Service members ' Relief Act (  SCRA  ) and the Fair Debt Collection Practices Act ( FDCPA ).  XXXX   XXXX   XXXX  was also informed of this matter and chose also to violate the FCRA,  SCRA  and FDCPA. Both I and my wife have written countless letters to remedy this with the credit bureaus to no avail. They have caused us economic and emotional duress as a result of their violation of the cited above. We hereby ask that the mortgage pertaining to property at  XXXX   XXXX   XXXX   XXXX   XXXX  TX  XXXX  be deleted from our credit files IMMEDIATELY.

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 2017-06-16 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: PR

Complaint narrative:
Problem  is with Experian. Thanks to them someone with my same name who stole my social security number opened a Credit Card. The person never paid it. After I submit a fraud alert and an investigation, they still kept the address of the thief, even though that address stand out from the rest which are all on the same state, except for that one.     Trying to get them on the phone is impossible. And the online options to submit additional information to clarify the problem or chat with a representative are virtually non existent.     What a nightmare.

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 2017-06-16 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: Santander Consumer USA Holdings Inc.
State: FL

Complaint narrative:
I contacted this agency on  XXXX   XXXX ,   XXXX  . The information on my credit file states I had a car loan with them, when I never had a loan with them. The date they state I opened a loan is the same date I opened my loan with   XXXX   XXXX  ! Who is currently my finance company and always have been since  XXXX ! I attached copies of my   XXXX   XXXX   doc uments! Proving Santander consumer company was never my finance company and I still possess my vehicle! I am a victim of fraud! I have contacted my lawyer then fbi! Santander consumer is fraudulent!! They are keeping me and my children from home ownership!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-16 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: U.S. BANCORP
State: CA

Complaint narrative:
I owe to  XXXX   XXXX   XXXX  and   XXXX   XXXX   bought my account and they said on the phone if I pay them then my collection will be removed from credit report and I paid them off their amount, they said go ahead dispute with credit report which I did already and they said we will just updated on credit report and they played with me and lied and it was  2015

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 2017-06-16 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: TX

Complaint narrative:
I RECENTLY PULLED A COPY OF MY CREDIT REPORT AND DISCOVERED  XXXX  HARD HIT INQUIRIES BY MULTIPLE AUTO LOAN COMPANIES THAT I DID NOT AUTHORIZE ON MY REPORT.I WROTE A LETTER ON  XXXX / XXXX /   2017  TO DISPUTE THEM EXPLAINING AT THE TIMES AND DATES OF THE INQUIRIES I WAS NOT SHOPPING FOR A VEHICLE AND DID NOT AUTHORIZE THESE COMPANIES TO RUN MY CREDIT. I LATER CALLED TO ADVISE THAT I BELIEVED THE INQUIRIES TO BE FRAUDULENT WHICH A FRAUD ALERT WAS PLACED ON MY CREDIT FILE, HOWEVER, THE INQUIRIES STILL REMAIN AFTER THE DISPUTE. I WANT THESE INQUIRIES REMOVED FROM MY CREDIT REPORT IMMEDIATELY AS THIS IS AN INACCURATE REPORTING OF MY CREDIT. PLEASE RESPOND TO THIS REQUEST IMMEDIATELY AS I NEED THIS ISSUE RESOLVED.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-16 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: Navient Solutions, LLC.
State: IL

Complaint narrative:
XXXX XXXX XXXX has confirmed in the last 60 days that all of my loans are issued by them. Navient has been fraudelently duplicating the same Student loans on my credit report making my balances and debt owed double what it really is. I have no borrowing agreement with this company and they continue to call, and now are sending thick packets of mail with information that does not belong to me. XXXX has already deleted all their accounts and updated only XXXX XXXX XXXX loans. I am also very aware that this company has been investigated and apart of several lawsuits. Please look into this matter and have this issue resolved, because they continue to call and now are sending mail that I have nothing to do with. My only borrower is XXXX XXXX XXXX. Thank you!! My name is XXXX XXXX XXXX, My balance with XXXX XXXX XXXX is approximately {$21000.00}, Navient continues to report {$40.00}, XXXX and duplicate same information coming from XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-16 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: U.S. BANCORP
State: WA

Complaint narrative:
Using an app called '  XXXX   XXXX   ' of whom has been trying to contact my bank, US Bank , for my account information. US Bank apparently has not done as requested via   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 2017-06-16 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: TN

Complaint narrative:
I have a collection account recorded on my credit report that is not mine, and was opened by someone using my name. I have reported this and spoken on the phone with representatives, who can verify that I have NEVER had this account with  XXXX . They will not confirm whether or not this has been removed from my credit report. When I try to check on the status online, I get a message that I am not allowed to view my dispute status online, without any explanation. I have never done any business with  XXXX , nor have I lived at the address where the original debt occurred. I disputed in  XXXX  of    2017  and my dispute case disappeared. I disputed again in  XXXX     2017  and this company will not let me check the status of the dispute online, and they have not responded to any emails regarding this fraud on my credit report.      XXXX  investigated and removed this right away.

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