vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-09-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: MI

Complaint narrative:
We purchased our home in XXXX XXXX with XXXX XXXX XXXX financing, which, of course, required PMI. Since then, the home has gone up considerably in market value, which, when combined with XXXX plus years of principle reduction, brings us well below the requisite XXXX threshold of XXXX % XXXX to drop the PMI. Per XXXX regs, a new appraisal was required. The servicer, XXXX, through its appraisal management XXXX, sent out the same XXXX who had done the original purchase appraisal. The ensuing appraisal report was chock full of errors, omissions and misstatements of material facts, some of which are a matter of public record, falsified his XXXX certifications, used non-comparable sales data while failing to note significant comparable sales data relative to our house. It is compelling and illustrative of the depth of this XXXX 's XXXX, lack of professionalism and failure to exercise ordinary care. Each appraisal done on our home by this same XXXX contains different and conflicting information. As a result, based on garbage in/garbage out XXXX, the ensuing report grossly understated the value of our home and XXXX denied dropping the PMI. We contacted XXXX to dispute the appraisal and wrote a letter of dispute, supported by additional documentation pointing out the erroneous information and omissions on the appraisal report, the fact that the XXXX has a vested interest ( he is also a XXXX XXXX XXXX XXXX ) in influencing values as well as additional timely comparable sales data ignored by the XXXX which support a market value significantly greater than the falsely arrived at value issued by the XXXX. We, again, requested dropping the PMI. XXXX chose to blatantly disregard the factual and supportive sales data we submitted and again declined our request to drop PMI. Factual errors, omissions and wrongful assumptions and data on the original appraisal report were NOT corrected. They also declined our very specific request to provide detail of who, precisely, was to have performed the so-called " review. '' IT IS PATENTLY WRONG THAT WE, AS CONSUMERS, SHOULD BE REQUIRED TO ACCEPT A DECISION BY THIS LENDER/SERVICER BASED ON A PROVEN ERRONEOUS REPORT. We then sent a certified letter to head of the operations group at XXXX demanding that fresh eyes, higher up the ladder, review this case and approve our request to drop the PMI. Copy of that letter is attached to this complaint. We have not received any response from XXXX since. 

Thank you. 

XXXX and XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-29 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Phoenix Financial Services LLC
State: GA

Complaint narrative:
I just received a XXXX XXXX that a negative collection was added to my credit files with credit agencies. I did not receive any indication about this alleged debt, no notice, rights to dispute, etc. I have no clue what this debt is.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-29 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: CITIBANK, N.A.
State: FL

Complaint narrative:
I notified homedepot credit card department, run by citi cards, of fraudulent charges made in XXXX XXXX. I received an e-mail confirmation from homedepot for an online purchase that I did not make and called the company immediately. Several additional charges were made before the account was closed. The account was eventually closed and the balance was transferred to a new account. I confirmed my portion due and paid in full. I was under the impression the issue was taken care of by the end of XXXX. XXXX XXXX I ran a credit report and found late charges associated with the account with fraud. I was never notified of a remaining balance. Since XXXX XXXX, XXXX I have called 10 times to resolve the issue. I have requested to speak with a supervisor, I was told none were available but my request would be passed on and I would receive a call back. I never have been contacted. I am filing a complaint now for two issues : 1. Every time I call for an update on the issue I am provided different information. I am never allowed to speak with a supervisor or the investigator on my account and I never receive a call back. 
2. My credit report is reflecting a failure to pay, which is incorrect, thus affecting my ability to be approved for current credit requests. I am trying to move and the negative credit score is impacting application approvals. 


initial fraud charges : {XXXX XXXX/XXXX/XXXX {XXXX} XXXX/XXXX/XXXX {XXXX} on XXXX/XXXX/XXXX Since the credit report ran on XXXX XXXX XXXX, when I realized there was an issue, I have spoke with Homedepot on the following dates : XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/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 non-monetary relief
Consumer complaint received 2017-09-29 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: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
These companies are being showed on my credit report when I have not inquired about anything from them. How do I get them off. The Capitol One and XXXX has been there since XXXX XXXX and the others have been there since XXXX XXXX. I do n't know where they are coming from. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
XXXX on XXXX/XXXX/XXXX informed me my information was lost

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I have XXXX Hard Inquiries from a XXXX XXXX XXXX Credit Card XXXX XXXX dated XXXX XXXX XXXX and XXXX XXXX XXXX respectively and I did not apply for credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: WELLS FARGO & COMPANY
State: ME

Complaint narrative:
I went through the process of filing an out of state title transfer for my vehicle. The original RI title was mailed from Wells Fargo to the Maine XXXX on XXXX XXXX, XXXX. The Maine XXXX transferred the title to Maine and mailed back the title to Wells Fargo in the provided Wells Fargo envelope on XXXX XXXX, XXXX. Neither the Maine XXXX or Wells Fargo have a tracking number for the envelope mailed. I need a copy of the Maine title to be faxed from Wells Fargo to someone else so that I can sell the vehicle and get out from under the loan. Wells Fargo has told me that they have n't received the Maine title, even though it is past XXXX business days. I believe that since they know I am in the process of selling my vehicle, they are purposefully giving me the run around in order to continue to collect interest.

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 2017-09-29 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I notified XXXX  credit card department, run by XXXX XXXX  of fraudulent charges made in XX/XX/XXXX. I received an e-mail confirmation from XXXX for an online purchase that I did not make and called the company immediately. Several additional charges were made before the account was closed. The account was eventually closed and the balance was transferred to a new account. I confirmed my portion due and paid in full. I was under the impression the issue was taken care of by the end of XX/XX/XXXX. XX/XX/XXXX I ran a credit report and found late charges associated with the account with fraud. I was never notified of a remaining balance. Since XX/XX/XXXX I have called 10 times to resolve the issue. I have requested to speak with a supervisor, I was told none were available but my request would be passed on and I would receive a call back. I never have been contacted. I am filing a complaint now for two issues : 1. Every time I call for an update on the issue I am provided different information. I am never allowed to speak with a supervisor or the investigator on my account and I never receive a call back. 
2. My credit report is reflecting a failure to pay, which is incorrect, thus affecting my ability to be approved for current credit requests. I am trying to move and the negative credit score is impacting application approvals. 


initial fraud charges : {$16.00} XX/XX/XXXX {$10.00} XX/XX/XXXX {$79.00} on XX/XX/XXXX Since the credit report ran on XX/XX/XXXX, when I realized there was an issue, I have spoke with XXXX on the following dates : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/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 2017-09-29 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Kross, Lieberman & Stone, Inc.
State: GA

Complaint narrative:
I received a credit alert from XXXX on my credit file from this creditor. I do not know this credit or what is the debt is for. Creditor did not send me a letter notifying me of this debt nor provide my a right to dispute.

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 2017-09-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC
State: FL

Complaint narrative:
my mortgage servicing company is roundpoint mortgage servicing corp. I have this company since the purchase in XXXX the company offers 2 major ways to pay mortgage through mail and online. in my case I use the two methods, no preference at all. my complaint is that this company has a very lousy management team, when you make your payment through mail the payment does not get reflected online and creates confusion for the customer, for example right now I am due for my next payment, I have in my check book that I already made my XXXX payment by mail and still the website reflects that it is due on XXXX / XXXX. I have called them already 2 because of this problem and also have written numerous emails to their staff talking about this problem, I am really sorry but in my opinion they are not paying attention to customer service and somebody has to step in and get things straight.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: EVERBANK, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
On XXXX XXXX we closed on a brand new home in Florida with Everbank. At the time of closing we were charged for a full year of improved property XXXX {$5100.00} est ) when in reality the Trim notice from the county showed taxes of {$550.00}. The closing statement reflect a credit for taxes of {$220.00} from the builder seller for the first 8 months. 

I have grossly overpaid for the escrow and have been told by the bank this is a XXXX XXXX rule and they could not and will not correct

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
I would like to formally file a complaint with Synchrony Bank/Banana Republic ( BR ) for unfair and illegal predatory business practices. From XXXX XXXX to XXXX XXXX, Synchrony Bank/BR has lowered the credit limit on my BR/Visa credit card FOUR ( 4 ) times. According to letters sent by the company, the limit was lowered based on " periodic '' reviews of my TransUnion credit report. There are two issues with this : 1 ) Since I opened my Banana Republic credit card in XXXX, I have always paid my bills on time, despite an occasional late fee for being a couple days late. In those TEN years since opening my account, despite my struggles with other creditors in XXXX, I have NEVER gone beyond 30 days late with Banana Republic. 2 ) By frequently lowering my credit limit, Banana Republic created a vicious cycle in my efforts to repair my credit. Each time my credit limit was lowered, my FICO score would tumble by 30 points or more. Therefore, each time the credit was pulled during these periodic reviews, there would be little to no improvement to my score, prompting Synchrony Bank to lower it again. In fact, the last reduction occurred FOUR ( 4 ) months from the previous review. How is that fair??? Most companies review credit every 6 months or more. But what I find even more disturbing is the timing of my last credit limit reduction. In a letter dated XXXX XXXX, XXXX, Synchrony Bank/BR notified me that my credit limit had once again been lowered, this time to {$2100.00} ( note : in XXXX, the limit was increased to {$4000.00}. ). XXXX XXXX was also the statement closing date for my last bill, where I made a LARGE {$450.00} payment to the company. My goal was to begin paying down this account, so I would no longer deal with these targeted credit limit reductions. However, the company insured I would not get ahead by lowering my credit limit immediately after making that large payment. I am confident that was the case because the letter dated XXXX XXXX, XXXX notes the credit limit reduction was based on a credit review on XXXX XXXX, XXXX. That 's nearly THREE ( 3 ) months after the review!! IN ALL OF THE PREVIOUS LETTERS, THE LETTERS WERE DATED NO MORE THAN 12 DAYS AFTER THE CREDIT REVIEWS. This is not a coincidence. This is targeted, unfair and illegal business practice. I have attached documents supporting all of my claims, including a letter I wrote to the company in XXXX XXXX about this issue.

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 2017-09-29 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: BARCLAYS BANK DELAWARE
State: VA

Complaint narrative:
These companies are being showed on my credit report when I have not inquired about anything from them. How do I get them off. The XXXX XXXX and XXXX has been there since XXXX XXXX and the others have been there since XXXX XXXX. I do n't know where they are coming from. 
XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX, SD XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX, SD XXXX ( XXXX ) XXXX XXXX XXXX, DE XXXX ( 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 2017-09-29 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: Paypal Holdings, Inc
State: TX

Complaint narrative:
Someone else has opened a PayPal account using my email address ( XXXXXXXXXXXX ) even though I did NOT click on the verification message that was received. My complaint is that PayPal allowed this account to use my email even though I did NOT open the account or verify that the email should be used. 

Further, in the email, there is NO WAY to reject the verification. In fact, the email says not to reply by email. In order to file a complaint on the PayPal website, it requires me to login. How am I supposed to login when this is a fraudulent account? So my second complaint is that PayPal has made it difficult to resolve an issue that they are responsible for creating in the first place.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC
State: TX

Complaint narrative:
your company failed to provide the required notice of additional required documents within XXXX ( XXXX ) business days in violation of Regulation X, 12 C.F.R. 1024.41 ( b ) ( 2 ) ( B ). Therefore this client 's application was entitled to be treated as facially complete pursuant to Regulation X, 12 C.F.R. 1024.41 ( c ) ( iv ). 

We are happy to provide any requested additional documents to complete this client 's loan modification review. It is improper, however, for you to deny this application based on a determination that the application is incomplete. Please suspend foreclosure during this appeal in accordance with Regulation X, 12 C.F.R. 1024.41 ( g ).

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 2017-09-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I recently opened an account with Wells Fargo on XXXX/XXXX/XXXX. Everything went fine in the branch. I got a phone call Thursday from a rep at Wells Fargo stating they were closing my account for " business '' reasons and would not state why. Someone told me i could have some things reported on my name in XXXX. I have a report being sent to me from them now. I had been a victim of identity theft and have been trying to clean my life up since. This is just making it very difficult for me to open accounts and such. I want to be able to have my account opened with Wells Fargo and they will not provide me with information on what i need to do to correct the issue that is preventing me from having my account there. I would like to know so i can clear it up. I have police reports and everything.

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 2017-09-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC.
State: OK

Complaint narrative:
On XX/XX/XXXX, Navient sent an unauthorized debit to my bank account in the amount of {$1500.00}. My husband could not get his XXXX medications and I was sitting at the gas station with an empty tank. Navient refused to reverse the debit while I was on the phone with them, stating I had set up automatic debit six months ago whe I was paying {$170.00} per month for student loans. Because I was due for renewal of my student loans, they already had my bank account info and just pulled the {$1500.00}! But I did not have enough money so my account went overdrawn. Today, XX/XX/XXXX, my bank has reversed the debit due to my account not having overdraft protection but I am being charged {$32.00} in overdraft fees. Navient should pay these fees because this is their error. This issue kept me awake all night and has effected me greatly. My husband and I both cried a lot over it. Its completely unfair for Navient to do this to us. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-29 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: KEYCORP
State: NY

Complaint narrative:
On XXXX XXXX 2017 I faxed an ACH Change Transfer Authorization to Debit Account form to the KeyBank NA loan service center to change the date of the automatic payment transfer out of my KeyBank checking account. Request - change date of transfer to the XXXX of each month. 
- On XXXX XXXX I faxed a an ACH DELETE Transfer Authorization to Debit Account form to the loan service center to stop all automatic payment transfers out of my key checking account. 
-Yesterday XXXX/XXXX/17 two payments were deducted from my key checking account for the same loan payment. No payments should have been deducted. My account balance was {$120.00}. It is now negative XXXX {$590.00}. ) Not only did the bank transfer funds that were in my account without my authorization, but I now can not access any funds to meet my day to day needs, including a direct deposit child support payment that went into this account yesterday, XXXX/XXXX/17. 
- I spoke with KeyLoan service center employee XXXX ( emp # XXXX / ref # XXXX ) t : XXXX and she confirmed that the key loan service center processed the first form XXXX XXXX XXXX 2017 ) form on XXXX XXXX 2017, after they received and processed the XXXX XXXX 2017 request to stop automatic transfers, resulting on XXXX/XXXX/17 in two payments being automatically deducted from my key checking account - neither were authorized by me. First an automatic transfer of XXXX and a second transfer " curtailment of XXXX. '' XXXX agreed to refund one payment and reverse any NSF fees, but refused to return both payments to my account. Both payments should be returned - neither payment was authorized by me. See attached screen shot of unauthorized payment transfers. Thank you for your assistance.

Company response to consumer: Closed with monetary relief