vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-12-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP
State: IL

Complaint narrative:
I currently have a mortgage with US Bank. The original loan amount was for around $ XXXX as of approximately XX/XX/XXXX. I was required to pay PMI, because my loan amount exceeded the 20 % equity to debt ratio. My current loan amount is $ XXXX. In those 3 years the value of the house has increased and my equity to debt ratio has exceeded the 20 % mark, which should mean I no longer should have to pay PMI. XX/XX/XXXX I started conversations with US Bank to refinance in which they did an appraisal. Based on the appraisal my equity to loan ratio was greater then 20 %. I asked about the removing the PMI and was told another business unit would have to work on it. At which point I requested contact information for the other unit and I received a run around. Finally around XXXX I received a number to contact after I complained on their XXXX page. When I called the number I was told to expect paperwork in 10 business days to complete and once I send it back they will review it and if deemed correct then they will turn off the PMI. It 's been about 15 business days and I have n't received any documents. I continue having to pay the PMI in the meantime.

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 2017-12-22 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: CO

Complaint narrative:
Consumer Financial Protection Bureau, On XX/XX/XXXX, I mailed a letter including a copy of the correct monthly payment amounts of my XXXX account reported by XXXX to XXXX and Transunion and XXXX requesting that the incomplete reporting of my XXXX  account information be changed to reflect the correct XXXX reporting of my XXXX account.

I have not heard back from XXXX XXXX XXXX. Transunion and XXXX mailed me a letter on XX/XX/XXXX that the account information has been verified with XXXX  and updated as needed on my credit report. However, the correct monthly payment amounts are missing and not being reported accurately by Transunion and XXXX, but are being reported correctly on my XXXX credit report.

My request is that XXXX reports the same information to Transunion and XXXX it reported to XXXX to give a complete credit reporting of my monthly payments.

Thank you.

Concerned Consumer

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 2017-12-22 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: CO

Complaint narrative:
Consumer Financial Protection Bureau, On XX/XX/XXXX, I mailed a letter including a copy of the correct monthly payment amounts of my XXXX account reported by XXXX to XXXX and XXXX and Equifax requesting that the incomplete reporting of my XXXX account information be changed to reflect the correct XXXX reporting of my XXXX account. 

I have not heard back from XXXX XXXX XXXX. XXXX and Equifax mailed me a letter on XX/XX/XXXX that the account information has been verified with XXXX and updated as needed on my credit report. However, the correct monthly payment amounts are missing and not being reported accurately by XXXX and Equifax, but are being reported correctly on my XXXX credit report. 

My request is that XXXX reports the same information to XXXX and Equifax it reported to XXXX to give a complete credit reporting of my monthly payments. 

Thank you. 

Concerned Consumer

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-22 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: Diversified Consultants, Inc.
State: NY

Complaint narrative:
I discovered a collection from Diversified Consultants regarding an alleged XXXX debt. I do not owe this debt and this debt does not belong to me. 

I request all of the following information be provided to me by mail : 1. The amount of the alleged debt ; 2. The full name and mailing address of the original creditor for this alleged debt ; 3. Documentation showing you have verified that I am responsible for this debt, or a copy of any judgment ; 4. Documentation showing they are licensed to collect debts in [ my state ]. 
Because I am writing you within 30 days of being notified by your company about this debt, you must cease attempting to collect this alleged debt until after you have provided the requested information. 

If the company continues attempting to collect on this debt or seek judgment for payment of the debt without first providing written verification, they will be in violation of the Fair Debt Collection Practices Act. Additionally, the debt can not accrue any fees or interest beyond what is allowed by state law or by contract with the original creditor.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-22 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: Consumer Portfolio Services, Inc.
State: CO

Complaint narrative:
Consumer Financial Protection Bureau, I received two letters from Consumer Portfolio Services, one in  XXXX and one in XXXX XXXX, showing a lesser balance than what appears on my XXXX XXXX and XXXX credit reports. I wrote a letter with copies of the XXXX XXXX letters from XXXX and XXXX XXXX, and mailed it to all four companies on XXXX XXXX, XXXX, informing all four companies of the incorrect reporting. I received a letter back from all four companies : XXXX XXXX and XXXX and Consumer Portfolio Services in XXXX XXXX that the amount was correct and would not be changed on my credit report. 
Thank you. 
Concerned Customer

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I fell behind on payments with Synchrony Bank due to a family medical emergency.I contacted the company regarding phone calls and I was told that in order for them to stop, I had to begin payment on my account. I agreed to post dated checks for 6 months at about {$250.00} ( last one being for the month of XXXX XXXX XXXX THE SAME DAY MY LAST CHECK POSTED XXXX/XXXX/XXXX I started getting the harassing calls again. They call every single day multiple times a day including weekends. Most of the time they hang up and never leave voicemails. My next Payment is not due until 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 monetary relief
Consumer complaint received 2017-12-22 00:00:00
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: U.S. BANCORP
State: TX

Complaint narrative:
I received a debt collection letter from XXXX XXXX firm dated XXXX/XXXX/XXXX stating that this was attempt to collect a debt, and that I had 30 days to respond to their notice, so I responded to their debt collection letter with my letter dated XXXX/XXXX/XXXX, asking for the requested items of validation and verification according to what their noticed stated, what I received was not verification, I received a letter stating that Law firm received my letter and that they would send it to U.S Bank, as of today no response or answer to my validation letter, I have tried to communicate to the attorney office to no avail.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-22 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: CO

Complaint narrative:
Consumer Financial Protection Bureau, I received two letters from XXXX XXXX XXXX, one in XXXX and one in XXXX XXXX, showing a lesser balance than what appears on my Transunion, XXXX, and XXXX credit reports. I wrote a letter with copies of the XXXX XXXX letters from XXXX and XXXX XXXX, and mailed it to all four companies on XXXX XXXX, XXXX, informing all four companies of the incorrect reporting. I received a letter back from all four companies : Transunion, XXXX and XXXX and XXXX XXXX XXXX in XXXX XXXX that the amount was correct and would not be changed on my credit report. 
Thank you. 
Concerned Customer

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 2017-12-22 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: EQUIFAX, INC.
State: CO

Complaint narrative:
Consumer Financial Protection Bureau, I received two letters from XXXX XXXX XXXX, one in  XXXX and one in XXXX XXXX, showing a lesser balance than what appears on my XXXX Equifax, and XXXX credit reports. I wrote a letter with copies of the XXXX XXXX letters from XXXX and XXXX XXXX, and mailed it to all four companies on XXXX XXXX, XXXX, informing all four companies of the incorrect reporting. I received a letter back from all four companies : XXXX Equifax and XXXX and XXXX XXXX XXXX in XXXX XXXX that the amount was correct and would not be changed on my credit report. 
Thank you. 
Concerned Customer

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-22 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: CO

Complaint narrative:
Consumer Financial Protection Bureau, I mailed a letter on XXXX XXXX, XXXX to XXXX XXXX XXXX, XXXX, Transunion, and XXXX requesting to correctly report the balance amount on my account based on the copy of the letter sent to my by XXXX XXXX XXXX in XXXX and XXXX XXXX. I received a letter from all four companies in XXXX XXXX that the account balance amount is correct and will not be changed. 
Thank you. 
Concerned Customer

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 2017-12-22 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: CO

Complaint narrative:
Consumer Financial Protection Bureau, I received two letters from XXXX XXXX XXXX, one in XXXX and one in XXXX XXXX, showing a lesser balance than what appears on my XXXX, XXXX, and Experian credit reports. I wrote a letter with copies of the XXXX XXXX letters from XXXX and XXXX XXXX, and mailed it to all four companies on XXXX XXXX, XXXX, informing all four companies of the incorrect reporting. I received a letter back from all four companies : XXXX, XXXX and Experian and XXXX XXXX XXXX in XXXX XXXX that the amount was correct and would not be changed on my credit report. Thank you. Concerned Customer

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 2017-12-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Freedom Mortgage Company
State: GA

Complaint narrative:
My name is XXXX XXXX.  I live at XXXX XXXX XXXX XXXX Ga. XXXXBoth my name and my wife's is on the deed.   However, only my wife's name is on the mortgage.  I want to stop them from refinancing and taking out all the equity in the home so that I lose my life's savings.  The mortgage company is named Freedom Mortgage CorporationThe account number is XXXXThe Phone Number is XXXX XXXX XXXX XXXXNMLS number is XXXXFreedom Mortgage Corporation XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXXNMLS ID: XXXXXXXX

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 2017-12-22 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 have two items showing collection on my equifax report was due to identity theft they will not remove it after i show them my police report one was with XXXX XXXX for {$11000.00} and the other was with XXXX XXXX / XXXX for {$2600.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-22 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: GREAT LAKES
State: IN

Complaint narrative:
In efforts to have made payments on my student loans and having a degree that I can not use, I would like to petition my student loan debt. 

Having attempted several different times to take care of the student loan debt I incurred to obtain a degree I can not use, I am petitioning to have my student loans cancelled, forgiven, and or discharged. 

It is my understanding that XXXX has been under investigation for several issued and I believe that XXXX not only failed to provide proper counselling to me on the student loan debt I incurred but that they also contributed to the amount I owe by charging loans to me that I did not authorize. I am seeking relief from this debt as I have been unable to pay due to the many factors I explained above. 

The reason it has taken me so long to reach out for more help is my father XXXX XXXX in XX/XX/XXXX and at the age of XXXX, I no longer had a home and moved back to my home state to try and survive and as a young adult I had no idea where to turn on this matter. My aunt has now helped me do research and try to see what we can do to resolve this situation. 

I received grants, scholarship money and educational assistance money that was paid to me from the Department of Veteran Affairs and I paid to the school. As you see my XXXX contract it states the most my XXXX degree would be was {$46000.00} and this amount was before my grants, scholarship loans and educational access money from the Department of Veteran Affairs. When I graduated XXXX sent me a letter dated XX/XX/XXXX that I had approximately {$15000.00} in Subsidized Loans and {$24000.00} in Unsubsidized Loans with a total being {$39000.00}. It appears that loans was taken out when I did not need them and that none of my money was applied. My loans was supposed to be consolidated but yet I still get bills from multiple places and the total is over {$100000.00}. I have read many articles that XXXX would take out loans under the students names to pay the schools debt. The school is closed so I am not able to get any of my records besides the ones I have included. 

Your assistance and help resolving this matter will be greatly appreciated. 

Sincerely, 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 2017-12-22 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Advanced Collection Bureau, Inc.
State: FL

Complaint narrative:
I have a medical bill that i am paying payments on, i have notified both collectors they are not only reporting on a bill i have a set payment plan on with the original collector ( the hospital ), but im not behind on any payments. I was neither notified or anything of items going to collections. I work for the government so they provide Insurance that was supposed to handle all of these. Now i have multiple collections agencies adding collections for the same debt with multiple bureaus and these were applied to my credit only ONCE I GOT APPROVED FOR A MORTGAGE. These are from several years ago, some from XX/XX/XXXX and XX/XX/XXXX. Not only are the bills paid but they are inaccurate and both adding the same collection. Its not fair to the consumer. XXXX and XXXX XXXX XXXX are both adding collections for the same debt that is being paid to the original collector. XXXX tactics and the credit bureau or the collections service i have no contract or obligation to pay will fix.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-22 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
XXXX/ XXXX due to identity theft debt do not belong to me

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 2017-12-22 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
XXXX XXXX XXXX in XXXX Ca, submitted my credit application to other lenders without disclosing to me that they would be seeking other lenders. I was pre-approved with XXXX XXXX XXXX for the loan and did not request them to seek other lenders. 

Due to their negligence and actions It has damaged my credit rating with additional hard inquiries placed by the other lenders on my XXXX credit report

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 2017-12-22 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: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX in XXXX Ca, submitted my credit application to other lenders without disclosing to me that they would be seeking other lenders. I was pre-approved with XXXX XXXX XXXX for the loan and did not request them to seek other lenders. 

Due to their negligence and actions It has damaged my credit rating with additional hard inquiries placed by the other lenders on my XXXX credit report

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 2017-12-22 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
there a collection account do not belong to me due to identity theft

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
My name is XXXX XXXX XXXX I been banking with your bank since XXXX. I had over half a million dollar in my account. I visited the XXXX office to do a transaction in XXXX XXXX. The banker took a copy of my green card and my social security office which I never understood the reason why she asked for them. Few days After I received a phone call from one of your an unethical banker from the XXXX office to apply for a credit card. I informed the unethical banker that I dont have a need to have a credit card. She informed to please get the card so she can meet her goals. I agreed to apply for regular credit card not secure card. Shortly after, I noticed a withdraw for {$5000.00} from my account. I immediately called the bank and said they applied for a secure credit card. I informed her I never agreed for the secure card. She apologized and asked me to keep the card. I never received my Wells Fargo credit card. I dont reside in the states and dont understand their system. On our last trip to USA I discovered that I am on bad credit when I applied for my son for student loan to go to XXXX XXXX. The banker asked me to pay for the card to not get my credit report damage further and instructed to file a fraud claim. I filed a fraud claim and police report over a month and half ago. No solutions been accomplished yet. I would like to bring to your attention that we were out of the country during the whole period of the card being used. Please find attached a copy of our passports and tickets. The attached documents prove that we spent from XXXX XXXX to XXXXXX/XX/XXXX in the USA. Our next trip to USA was from XX/XX/XXXX tillXX/XX/XXXXXXXX. 
My Social Security Number is XXXX. My husband by name of XXXX XXXX XXXX XXXX also encountered the same fraud from the same banker and bank on the same day. His claim was approved and my claim was declined. 

XXXX, the times we spent in USA throughout our lives were as follows ( as proved by the documents ) Mon XXXX XXXX XXXX Till Fri XXXX XXXX XXXX XXXX XXXX XXXX till XXXX XXXX XXXX XXXX XXXX XXXX till XXXX XXXX XXXX XXXX XXXX XXXX till XXXX XXXX XXXX XXXX XXXX XXXX till XXXX XXXX XXXX As you see from the pattern of our travel, we spend around15 days in the USA every 6 months

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 2017-12-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I called the national credit report request number to obtain my free credit reports for this year because I am suspicious of fraudulent activity. I requested for all 3 reports and it has been almost 2 months since then and I still havent received them. Im concerned someone is using my information and just need to check my credit reports.

Company response to consumer: Closed with explanation