vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-06-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Innovis
State: IN

Complaint narrative:
XXXX  MUST NOW CEASE AND DESIST REORTING ANY AND ALL CREDIT INFO FOR CREDIT FURNISHERS ALL OTHERS AS STATED IN THE : F.C.R.A. 15 USC 1681A ( g ). ( see   XXXX    letter )

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
XX/XX/XXXX   my kid was prompted to make an application at  Amazon.com fo r the Chase Ban k Amazon Rewards Visa Signature Card, p romising {$50.00} off a current  Amazon order if they did so. ( purchases for   XXXX   XXXX   XXXX   gifts ) (  I have excellent credit and should b e zero issu es. ) I made the application under my name but we did n't get the credit discount on the order. I opted to pay for the order using my existing credit card and immediately thereafter moved to chat with  Amazon ask ing to cancel the credit card application entirely. They said they could n't do it and I needed to call Chase bank at  XXXX . I called them today and  two le vels of reps could n't let me cancel the application ( which they said was still 'pending ' ) and a higher-up supervisor was n't available. I since discovered if the card goes through it will automatically be added to my Amazon account as a payment method. I do n't want to have to fix all of this. I want the application stopped, deleted immediately. I want no record of the app on my credit and I do not want the card at a ll. Chase rep   says they ca n't do that. I say they can. They keep having me enter my SS # on an unsecure phoneline even to get to speak to a representative. Who then, again, asks for my SS #. I am sure none of that is secure.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: MN

Complaint narrative:
In the fall of  XXXX , I tried to repair inaccurate reporting of a closed   XXXX   XXXX   XXXX   account through   XXXX   that showed up on my Experian Report. I settled the account in  XX/XX/XXXX  with   XXXX   XXXX   XXXX   XXXX   and closed it. However, old information still appeared on Experian. I became aware of this inaccurate reporting situation when we began looking to buy a house and got our credit reports for the first time as a couple. When I called   XXXX   XXXX   XXXX   XXXX   to have this remedied, asking that they update the information, it made the account look more newly closed, dating it  XX/XX/XXXX  This only appears on my Experian report. I 'd like to have this removed. For my report to be accurate, the account was closed  XXXX . I believe it should no longer be on there. Can you help me? I 'm afraid to call back directly, as my first attempt to remedy this only made it worse.

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 2017-06-12 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP
State: TN

Complaint narrative:
I have two problems regarding my PMI policy and the way it was handled by US Bank. Issue   1 is frustrating but no longer relevant to being fixed for me, issue 2 is still a problem.
<P/>
1 ) PMI insurance has to be maintained for 5 years before you can request cancellation. I refinanced my loan after having it for 4 years to get a lower interest rate. Nobody informed me it would restart my PMI clock, so I 've had PMI insurance on my loan for   almost 9 years, which is frustrating at over {$75.00} per month on a {$550.00} mortgage.
<P/>
2 ) 3 months ago, I reached 5 years and less than 80 % and I have met all other qualifications to remove the PMI from my loan. Nobody called or sent a letter to inform me I could get it removed ( irritating ). So I called and spoke with a rep who verified all the qualifications and said I qualified to have it removed. I asked him to request it removed and he said, " I ca n't ; you have to send in a request in writing to have it removed. This feels like a run-around to get even more money out of me and make it mor  e difficult to cancel it so I might just not worry about it and keep the PMI. ''

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 2017-06-12 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Selene Finance LP
State: NC

Complaint narrative:
I have not recieved a notice that my mortgage was transfered and the new company stated that I am past due but they have not issued me a bill. Neither company has issued me information on the transfer.     Company  1 -   XXXX   XXXX   2- Selene Fianance

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: NY

Complaint narrative:
O n   XXXX   XXXX   XXXX   a QWR and NOE was faxed  over to the lender and the have failed to respond before the sale date. The have not provided proof of debt owed. A NOE with an active sale date was faxed over on   XX/XX/XXXX  a nd they have failed to move the sale date to allow the homeowner to have proof of debt owed and make arrangements. The have failed to allow a modification review.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-12 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: FL

Complaint narrative:
I  have  XXXX  duplicate Department of Education tradelines on my credit report for the same  XXXX  loans. I have completed a loan rehabilitaion through   XXXX   XXXX   XXXX   and my loan has been sold to   XXXX   XXXX  . Part of the agreement with the loan rehabilitation is that the defaulted and duplicate accounts would be removed when the loans are consolidated and sold to a new servicer. A will attach documentation pertaining to both the removal agreement and the new loan servicer 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 2017-06-12 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: FL

Complaint narrative:
I have   XXXX   duplicate Department of Education tradelines on my credit report for the same  XXXX  loans. I have completed a loan rehabilitaion through   XXXX   XXXX   XXXX   and my loan has been sold to   XXXX   XXXX  . Part of the agreement with the loan rehabilitation is that the defaulted and duplicate accounts would be removed when the loans are consolidated and sold to a new servicer. A will attach documentation pertaining to both the removal agreement and the new loan servicer agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-12 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: DataMax Corporation
State: AL

Complaint narrative:
Currently, the credit bureaus are reporting the same debt in separate entries per what is being provided by  Interstate Credit Collection  and  XXXX   XXXX   XXXX . The balances are not accurate or matching up. I have attached a letter where asking for assistance in matter but have not heard back from either company.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-12 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: OK

Complaint narrative:
In XX/XX/XXXX, I received my first statement from XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) stating my Title XXXX Federal Student Loan was going to be reported delinquent. As a result, I asked Federal Loan Servicer XXXX XXXX to consolidate the Title XXXX Federal Student Loan with my other student loans. On XX/XX/XXXX, my XXXX Title XXXX Federal Student Loan was consolidated to my other XXXX XXXX Federal Student Loans, which are frozen in Federal Unemployment Deferment, as noted in the attachment from XXXX XXXX. However, XXXX reported me as delinquent in XX/XX/XXXX. My XXXX Title XXXX Federal Student Loan is not delinquent in XX/XX/XXXX, since it was consolidated inXX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-12 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: M&T BANK CORPORATION
State: PA

Complaint narrative:
The compan y is M & T Ban k. They are not any other similarly named banks but they do have addresses i n four differ ent states and/or cities. I have what I believe they designated as a commercial loan notwithstanding the loan is in my individual name. I sold my property on  XXXX   XXXX  and am scheduled to close  XXXX   XXXX . All closings take betwee n 30 and 45 days to close. I got the payoff letter today from the attorney closing the transaction. M & T Bank is refusing to release my tax escrow saying that they will " handle that separately '' af ter the closing. They also charged me  XXXX  for not asking for the payoff letter 60 days ago. Neither of these practices comply with standard banking procedures. Since I have to give the tax escrow to the buyers at the closing and it is almost  XXXX  I will be out approximately  XXXX  all together and will be at the mercy of this " bank '' if and when I get my tax escrow back. I anticipate further bogus fees in that regard.

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 2017-06-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
To Whom It May Concern, On  X/XX/2017  I disputed an account reported by   XXXX   XXXX   XXXX   in the file you maintain under my Social Security number.
I was informed on   XXXX   that the item was deleted from my credit report.
Now I have discovered that the item has been reinserted on my credit report.
In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), you are required to notify me of the reinsertion in writing within 5 business days.
( B ) Requirements relating to reinsertion of previously deleted material ( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency.
<P/>
I received no such notification. This is a very serious violation of the FCRA, and I reserve the right to pursue legal action for your blatant disregard for the law.
I hereby demand that you immediately delete the item from my credit report in order to avoid legal action. I am submitting this complaint separately to the Consumer Financial Protection Bureau, the Attorney Generals Office, and the BBB.
Please govern yourself accordingly.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: MN

Complaint narrative:
In the  XX/XX/XXXX , I tried to repair inaccurate reporting of a closed   XXXX   XXXX    XXXX  account through  XXXX  that showed up on my Experian Report. I settled the account in  XXXX ,  XX/XX/XXXX  with  XXXX    XXXX   XXXX   XXXX  , and closed it. However, old information still appeared on Experian. I became aware of this inaccurate reporting situation when we began looking to buy a house and got our credit reports for the first time as a couple. When I called  XXXX   XXXX  Credit Card to have this remedied, asking that they update the information, it made the account look more newly closed, dating it   XX/XX/XXXX .  This only appears on my Experian report. I 'd like to have this removed. For my report to be accurate, the account was closed XX/XX/XXXX  . I b elieve it should no longer be on there. Can you help me? I 'm afraid to call back directly, as my first attempt to remedy this only made it worse.

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 2017-06-12 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: AL

Complaint narrative:
This is a  XXXX  debt that is being handled  by Pinnacle Credit Service but a lso being sought on by LVNV Funding LLC. The credit bureaus are reporting what is being sent to them monthly.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
To Whom It May Concern, On  XXXX / XXXX /   2017  I disputed an account reported by  XXXX   XXXX ,  XXXX  in the file you maintain under my Social Security number.   I was informed on  XXXX / XXXX / 2017  that the item was deleted from my credit report.   Now I have discovered that the item has been reinserted on my credit report.   In accordance with the requirements of the FCRA sectio  n 611 ( a ) ( 5 ) ( B ) ( ii ), you are required to notify me of the reinsertion in writing within 5 business days.
( B ) Requirements relating to reinsertion of previously deleted material ( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 busine  ss days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency.     I received no such notification. This is a very serious violation of the FCRA, and I reserve the right to pursue legal action for your blatant disregard for the law.   I hereby demand that you immediately delete the item from my credit report in order to avoid legal action. I am submitting this complaint separately to the Consumer Financial Protection Bureau, the Attorn ey Generals Office, and  the BBB.   Please govern yourself accordingly.

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 2017-06-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
To  Whom It May Concern,   On   XXXX   I disp uted an account reported  by   XXXX   XXXX   XXXX   i n the file you maintain under my Social Security number.   I was infor med o  n   XXXX   that  the item was deleted from my credit report.   Now I have discovered that the item has been reinserted on my credit report.   In accordance with the requirements of the FCRA secti  on 611 ( a ) ( 5 ) ( B ) ( ii ), you are required to notify me of the reinsertion in writing within 5 business days.
( B ) Requirements relating to reinsertion of previously deleted material ( ii ) N  otice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later  than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means av ailable to the agency.  <P/> I received no such notification. This is a very serious violation of the FCRA, and I reserve the right to pursue legal action for your blatant disregard for the law.   I hereby demand that you immediately delete the item from my credit report in order to avoid legal action. I am submitting this complaint separately to the Consumer Financial Protection Bureau, the Attor ney Generals Office, and  the BBB.   Please govern yourself accordingly.

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 2017-06-12 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BB&T CORPORATION
State: VA

Complaint narrative:
on or about XX/XX/XXXX I requested a copy of a cancelled check I wrote on my home equity line I was given the check # XXXX the amount XXXX .I was told it would be sent out & I would have it in 7 to 10 days .on XX/XX/XXXX I called again & spoke to supervisor XXXX .I told him that I never received the image I requested he said we sent it I asked him to please e mail it he said no I ask him to fax it to the bb & t XXXX branch he refused to do that he said it would be sent out & I would have it Friday & he would call me on Friday to make sure I got it .I have n't received to date or a call from him I went to the XXXX branch the following week & spoke to XXXX the manager she could n't find the image she called XXXX XXXX XXXX & XXXX both called me the next week to tell me the image did n't exist .the following Sat. my girl friend received a packet in her mail addressed to XXXX XXXX & XXXX XXXX in XXXX va. Not XXXX va. the address I gave them over & over. in it were 3 years of statements for XXXX & XXXX XXXX in NJ.i call XXXX & she denied sending it to me. I told her I am a letter head with my on it & she signed it .still denied sending. they also took {$330.00}. out of XXXX account for there statements .they cant tell me where my paperwork is or why I have n't received it. please help us .XXXX needs to be reimbursed. please call me 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 2017-06-12 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: OK

Complaint narrative:
In XX/XX/XXXX, I received my first statement from University XXXX XXXX XXXX XXXX XXXX ( XXXX ) stating my Title XXXX Federal Student Loan was going to be reported delinquent. As a result, I asked Federal Loan Servicer XXXX XXXX to consolidate the Title XXXX Federal Student Loan with my other student loans.  On XX/XX/XXXX, my XXXX Title XXXX Federal Student Loan was consolidated to my other XXXX XXXX Federal Student Loans, which are frozen in Federal Unemployment Deferment, as noted in the attachment from XXXX XXXX. However, XXXX reported me as delinquent in XX/XX/XXXX. My XXXX Title XXXX Federal Student Loan is not delinquent in XX/XX/XXXX, since it was consolidated in 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 2017-06-12 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Pinnacle Credit Services, LLC
State: AL

Complaint narrative:
This is a XXXX debt that is being handled by Pinnacle Credit Service but also being sought on by XXXX XXXX XXXX. The credit bureaus are reporting what is being sent to them monthly.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-12 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: Santander Consumer USA Holdings Inc.
State: TX

Complaint narrative:
santander consumer usa is reporting a closed account as open the account is a old account and should be removed

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-12 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I download an app to help me get access to my next check ( avtivehours ) The app inform me that my bank isnt cooperating with keeping my bank balance up to date. This needs to change immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: AMERICAN EXPRESS COMPANY

Complaint narrative:
I was charged interest by AmEx on my purchases even though my balance was paid in full. They claim it was a technical error and happened to other customers as well. They say the charges will be reversed, however I have an automatic withdrawal from another account to pay this bill, which means they received payment for the bogus charge. How many other customers did they do that to? How much money do they make by keeping this money for a month before returning it? It was only  XXXX  cents for me, but if they do that to a million customers, that 's a nice monthly profit of {$30000.00}.   The charge was on  XXXX   XXXX ,   XXXX  , and I will apparently receive a reversal on  XXXX   XXXX ,   XXXX  .

Company response to consumer: Closed with explanation