vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-09-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
I refinanced my home on XX/XX/XXXX after the death of my husband XX/XX/XXXX. The lawyer advised me that my PMI would drop off of my payment so to keep a watch out for the letter from my finance company Wells Fargo. We originally financed with them XX/XX/XXXX and was not aware at that time that the PMI should drop off and we paid it all those years. I received a letter from Wells Fargo dated XX/XX/XXXX that if I wanted to pay them $XXXX they would drop my PMI but if not it would drop off when I reached 78%. From my calculation, this PMI would drop off XX/XX/XXXX. On XX/XX/XXXX or so, I received another letter from Wells Fargo saying that as of XX/XX/XXXX, they would no longer cancel PMI automatically. I contacted Wells Fargo and am now being advised it will be another year before they will drop PMI. My loan amount XX/XX/XXXX was $XXXX.  My loan amount as of XX/XX/XXXX and payment due on XX/XX/XXXX was $XXXX XXXX. I have never missed a payment nor been late. Please advise as I feel they are doing me wrong.

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 2019-09-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: NY

Complaint narrative:
XX/XX/2008 XXXX XXXX supposedly signed on behalf of Option one as assignee but it appears that this alleged assignment has been deliberately altered to redact the name of the person who supposedly executed the assignment on behalf of option one it was placed in a PSA and never make the cut off dates XXXX XXXX claims I owe XXXX XXXX From a refinance of XXXX Qwr was sent out to explain issues I never got a reply from them ahm are ocwen

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: HUNTINGTON NATIONAL BANK, THE
State: MI

Complaint narrative:
I received two wire in my account and put one ck in. then my account has not been able to be used FROZEN. No one will help me i keep getting the run around like the person that is looking in to is off for two weeks. I cant even look at my account at all i been stopped i need help this has been going on 4 months and i can not get any where at all whit Huntington Bank number XXXX XXXX XXXX XXXX XXXX EMAIL XXXX Huntington bank in XXXX XXXX Mi

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-10 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:
XXXX and XXXX has removed my bankruptcy chapter XXXX it was dismissed. After a chapter XXXX has been dismissed it should only be on your credit report for 7 years. That is why XXXX and XXXX removed it. I have written to the address that they have given me on my credit report and it came back stating that they do not send out your information. I have Frozen my XXXX report which is a third party credit reporting company so I'm told on my credit report. So they tell me on my credit report to refer to the address on it and in other words they tell me that XXXX provided this to them I'm confused.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I took out a personal loan with XXXX XXXX on XX/XX/19. I paid the loan off on XX/XX/19. Trans Union and XXXX both have that I still owe $XXXX. I contacted XXXX XXXX and they told me that they reported it paid off on XX/XX/19. It was last updated on my report on XX/XX/2019.  I spoke to a rep at Trans Union and they said that the amount they have is correct.  They attachment shows it is not correct and neither credit bureau have updated the account since XX/XX/2019.

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 2019-09-10 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: DC

Complaint narrative:
On XX/XX/2019,  I called my HELOC loan servicer, Rushmore loan Management Services, to request that they no longer withdraw this amount of additional principal that I had requested several months before. I requested Rushmore stop withdrawing $XXXX additional principal. I instructed them to only withdraw an additional principal of $XXXX. Their customer representative informed me in XX/XX/XXXX that it was too late to make the change before the XX/XX/XXXX payment was due,  but the change would take effect in XX/XX/XXXX. However, in XX/XX/XXXX, Rushmore withdrew $XXXX more than I had authorized.  I disputed the additional principal with my bank which upheld the dispute. On XX/XX/19, I received a  letter from Rushmore threatening to put me a "certified funds only" if it happens again.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
im make this complaint becomes again this company keep lying about my payments extra charges made up and no explanation of where is the money they claimed I owed them on XX/XX/XXXX I got a loan modification and XXXX XXXX XXXX put more than $100,000 into my loan a house was worth $XXXX So my new balance was $XXXX  the second loan they put on I was no to pay any late fee or any extra charge but right after XXXX XXXX XXXX did try but they could do it so they got this company shellpoint Mortgage servicing to do it same tactics lying and sending same paper to say the are helping me or they tried to answer my complaint before I got this loan modification my wife did bankruptcy even that I proven that my wife was not in the loan they keep bringing the same argument I m supposed to be in my loan modification but they try to say im not so they charge again or change me again higher my principal balance again they sent me statements from before XX/XX/XXXX when everything was supposed to started again why they do not answer me with what is the mount I owed them after XX/XX/XXXX I send them the prove rhat my wife was not in the loan but they keep bringing a paper a fraudulent paper whiten with a pensil some one added with his wife why all the paper from XX/XX/XXXX when I got my loan doesn't mention my wife at all I sent you that prove too because she was never in the loan you are making this lie to break my all loan modification I did ask for a new modification why you want to put me into another one

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: LEXISNEXIS
State: TX

Complaint narrative:
LEXIS NEXISXXXX XXXX XXXX SHOWING FTC VIOLATION THAT SHOULD NOT BE ON MY BACKGROUNDPLEASE REMOVE THE INACCURATE INFORMATION

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-10 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ERC
State: TN

Complaint narrative:
I never receive any notification from this company that I owe a debt. I receive a copy of my XXXX report and this company was listed as a debt collector. I never receive a letter or no notification of this debt and has no knowledge that I owe XXXX. I am still a customer of XXXX for over 10 years  and when I contact the company they have no knowledge of this collection agency try to collect a balance I do not owe.  This collection agency is not license to collect in the state of Tennessee.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA
State: FL

Complaint narrative:
On XX/XX/2019 I signed an extension agreement to skip XX/XX/XXXX payment. They sent the email with the agreement to skip the payment, i immediately signed the agreement and sent it back via XXXX XXXX. Kia emailed me back with confirmation that the document signed and filed. I have the email to confirm. They said we will resubmit the approval. I said I have proof that it was signed. My account is now 22 days late as the collections department contacted me on XX/XX/19 stating I was behind. I have an agreement with them and they do not want to honor the agreement.

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 2019-09-10 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: Navient Solutions, LLC.
State: MI

Complaint narrative:
To Whom It May Concern,I read about the lawsuit against Navient filed by CFPD and came across your contact information (Case XXXX). I understand myself to be one of the victims; illegally cheated out of repayment rights for a long time.I spent many hours on the phone with Navient customer service many years ago requesting to apply any over payments to my unsubsidized loan. They told me repeatedly that I was not allowed to do that, and any over-payment would be split between the two loans. I was upset but I went along with it, assuming what they were doing was legal.Last year, I started taking classes again, and as a result my mandatory payments stopped and loans went into deferment. I logged on to make manual payments to my loans, and to my surprise they now had the option to pick which loan to make the over-payment to. So of course I picked the unsubsidized loan, and have paid about $1000 to the unsubsidized loan since. I have made all over payments to the unsubsidized loan since I started going back to school.I logged on today and noticed that even though I picked unsubsidized as my voluntary over-payment, they split my over-payment between the subsidized and unsubsidized loans!Please help me get justice on this.Sincerely,XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-10 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I took out a personal loan with XXXX XXXX on XX/XX/19. I paid the loan off on XX/XX/19. XXXX XXXX and Experian both have that I still owe $XXXX. I contacted XXXX XXXX and they told me that they reported it paid off on XX/XX/19. It was last updated on my report on XX/XX/2019.  I spoke to a rep at XXXX XXXX and they said that the amount they have is correct.  They attachment shows it is not correct and neither credit bureau have updated the account since XX/XX/2019.

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 2019-09-10 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: DISCOVER BANK
State: AZ

Complaint narrative:
Discover card accounts belonging to my spouse are being reported on my Credit File, I am only an authorized User on all discover card accounts and they are being reported as current on my credit file and should not be on there at all, he removed me as Authorized User. All discover card accounts should be removed from my Credit File.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: U.S. BANCORP
State: FL

Complaint narrative:
On XX/XX/2019 I applied to a Easy Checking account at US Bank online.My application was decline without any reasons and I supposed to receivea letter from US Bank within 10 business days with explanation  for declining my application.While I was waiting, I received an email(attached) regarding my applicationbut still no letter.Tried to contact US Bank by  phone, but couldn't get much information ether.I felt discriminated by US BANK, as I don't see any valid reasons for declining..To date, I haven't received any communications from US Bank except for the email and a text message.

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 2019-09-10 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC
State: AR

Complaint narrative:
NCC Business Srvcs is attempting to collect a debt that I have no knowledge about the original creditor nor the collection agency will/have validated this debt with me which is a violation of FCDPA section 809. Secondly the statute of limitations in Arkansas which I reside has expired for the original creditor or collection agency to collect.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-10 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: AZ

Complaint narrative:
XXXX XXXX accounts belonging to my spouse are being reported on my Credit File, I am only an authorized User on all XXXX XXXX accounts and they are being reported as current on my credit file and should not be on there at all, he removed me as Authorized User. All XXXX XXXX accounts should be removed from my Credit File.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Webcollex, LLC
State: CO

Complaint narrative:
Just got a letter from:Webcollex LLC DBA CKS Financialoriginal creditor: XXXX XXXX XXXX Brand:  XXXX XXXX XXXXsaying I owe $XXXX, but This was part of identity theft that happened in XX/XX/2014 and I filed a police report and FTC report, but these people keep going after me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
XXXX XXXX XXXX	XXXX XXXX XXXXXXXX XXXX, Missouri XXXXXX/XX/XXXXDear Attorney General,I am writing this letter to implore your assistance in resolving the inaccurate reporting of the accounts below on my credit report:Account Number					Account NameXXXX					XXXX XXXX XXXX XXXXAccount Number					Account NameXXXX					XXXX XXXX XXXX XXXXAccount Number					Account NameXXXX					XXXX XXXX XXXX XXXXI have disputed each of these accounts, with the Equifax credit bureau, on several occasions, for several DIFFERENT inaccuracies, only to have received a ’canned’ response of “THIS ACCOUNT HAS BEEN VERIFIED” each time. On XX/XX/XXXX I sent a request to XXXX for ‘’a description of the procedure sed to determine the accuracy and completeness of the information’’, as per my consumer rights, and as per the FCRA Section 611 (a)(6)(B)(iii). I did NOT receive any response from XXXX.On XX/XX/XXXX I sent a 2nd letter to XXXX to requesting a description of their reinvestigation procedures used to determine the accuracy and completeness of the information, as per my consumer rights, and per the Fair Credit Reporting Act Section 611 (a)(7). The FRCA allows the consumer reporting agencies 15 days to respond to my request. The 15-day period has ended over 2 weeks ago, and I did not receive a description of the methods used to verify these accounts. Instead, I have received another ‘canned’ response of “THIS ACCOUNT HAS BEEN VERIFIED” I am asking for your help to correct my credit report, by deleting these accounts. My husband and I are trying to financially prepare for home ownership by Spring XX/XX/XXXX. This is hindering us in our goal for financial independence and home ownership.I have enclosed a copy of the certified mail receipt to confirm Equifax received my letter, copies of my letters to Equifax, and copy of their response to my requestsThank you for your assistance.XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
Just got a letter from : XXXX XXXX DBA XXXX XXXX original creditor : XXXX XXXX XXXX XXXX : Cabelas Club Visa saying I owe {$10000.00}, but This was part of identity theft that happened in 2014 and I filed a police report and FTC report, but these people keep going after me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
I never had an account with Resurgent Cap Services. I had an account that was paid and closed XX/XX/2013 with XXXX XXXX. I asked Resurgent to send me copy of contract with signature owing this amount to this company with is a 2nd or 3rd party and the company has failed to send me copy of contract that money is owed to them. I am asking for this to be removed from all 3 credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
XXXX XXXX XXXX

XXXX XXXX XXXX XXXX XXXX XXXX, Missouri XXXXXX/XX/XXXXDear Attorney General,I am writing this letter to implore your assistance in resolving the inaccurate reporting of the accounts below on my credit report:Account Number					Account NameXXXX XXXX XXXX XXXXAccount Number					Account NameXXXX XXXX XXXX XXXXAccount Number					Account NameXXXX XXXX XXXX XXXXAccount Number					Account NameXXXX XXXX XXXX XXXXI have disputed each of these accounts, with the Experian credit bureau, on several occasions, for several DIFFERENT inaccuracies, only to have received a ’canned’ response of “THIS ACCOUNT HAS BEEN VERIFIED” each time. On XX/XX/XXXX I sent a request to Experian for ‘’a description of the procedure sed to determine the accuracy and completeness of the information’’, as per my consumer rights, and as per the FCRA Section 611 (a)(6)(B)(iii). I did NOT receive any response from Experian.On XX/XX/XXXX I sent a 2nd letter to Experian to requesting a description of their reinvestigation procedures used to determine the accuracy and completeness of the information, as per my consumer rights, and per the Fair Credit Reporting Act Section 611 (a)(7). The FRCA allows the consumer reporting agencies 15 days to respond to my request. The 15-day period has ended over 2 weeks ago, and I did not receive a description of the methods used to verify these accounts. Instead, I have received another ‘canned’ response of “THIS ACCOUNT HAS BEEN VERIFIED” I am asking for your help to correct my credit report, by deleting these accounts. My husband and I are trying to financially prepare for home ownership by Spring XX/XX/XXXX. This is hindering us in our goal for financial independence and home ownership.I have enclosed a copy of the certified mail receipt to confirm Experian received my letter, copies of my letters to Experian, and copy of their response to my requestsThank you for your assistance.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 2019-09-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: CA

Complaint narrative:
My home had a major water leak problem and my insurance company sent me a check for $XXXX   as settlement but the check was made to both me and PennyMac my lien holder.  Repair work was completed 6 weeks ago and PennyMac sent an adjuster to certify that all repairs were done and he did that on XX/XX/XXXX (my claim # is XXXX).  Since then PennyMac has on four occasions told me by phone that MY MONEY was being sent to me,  on the past 3 occasions I was told it was being sent the next day by XXXX since they had been advised that  I was going to be out of the country for an extended time.  I leave tomorrow and no check.  I believe that they are operating unethically and have a practice of withholding clients money to profit from the float .   They are cheating California residents in ways similar to the XXXX XXXX problem.  I strongly request as a large VA Tax payer,  business owner and voter that an investigation be started to see if this is a common practice by PennyMac.   XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX CA XXXX.  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
I send a letter asking for an investigation to be completed on two collection accounts that are reporting on my credit report. it has more than 30 days  and no response. the letter was mailed on XX/XX/2019. The followup letter was mailed on XX/XX/2019. The dollar amounts on the $XXXX & XXXX .

Company response to consumer: Closed with explanation