vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-06-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SIERRA PACIFIC MORTGAGE
State: IL

Complaint narrative:
On XX/XX/XXXX, I formally requested removal of PMI for my mortgage stating that Ive reached 80.0 % LTV. My mortgage is held by Sierra Pacific Mortgage and serviced by XXXX. 

On XX/XX/XXXX, I received a letter from Sierra Pacific Mortgage stating some conditions for PMI removal. Among those conditions were that a ) for primary residences loans, less than 5 years old require LTV of 75 % and b ) for multi-family residences the required LTV is 70 %.  They also stated I would have to pay for an appraisal. 

My mortgage disclosures from Sierra Pacific at the time of my mortgage closing very specifically state that my required LTV is 80 %, at which time I can request PMI be removed. The Sierra Pacific Mortgage website for my loan also states this 80 % LTV. 

At no point prior to receiving their letter was any 70 % or 75 % LTV requirement mentioned. 

I called Sierra Pacific repeatedly to address this issue. I talked the front line support about this and they would not put me in touch with the PMI department. They told me my PMI cancellation request was denied and that I needed a mortgage balance of {$440000.00} ( 70 % ) LTV to remove PMI ( my property is a two flat ). 

At this point I escalated the issue to a supervisor ( XX/XX/XXXX ). I was transferred to XXXX XXXX. He told me that he would reach out to the PMI department and get me more information in 3-5 days. I called XXXX XXXX on his direct line ( XXXX ) and left him message on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. He did not answer or return any of my calls. 

At this point Ive hit a dead end. I cant get in touch with any one helpful to remove my PMI and Im continuing to pay it despite hitting my requisite loan to value.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-03 00:00:00
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: National Commercial Services, Inc
State: MA

Complaint narrative:
NCS debt collection violates FCRA by furnishing outdated account information and misleading the credit reporting agencies which in turn continue to report derogatory consumer information. 
NCS falsifies the information to re-age the account to continue to report it as negative while it well passed the seven years a timeframe allowed for such reporting. 
NCS failed to validate the account details and fraudulently changing the dates. 

Specifically, the account in dispute, which was put to collection in XX/XX/XXXX after a short sale ( aka " charge off '' ), continues to appear in credit history NOW, 11 ( eleven!! ) years after as negative and derogatory record despite seven ( 7 ) years allowed by FCRA. 

In response to consumer 's request for investigation NCS intentionally failed to properly validate this debt DATES but intentionally furnished CRA with false information about dates of last payment from XX/XX/XXXX to make it appear 'NEW '. Due to such illegal purposeful manipulation this debt renewed and set to disappear from the cred report in XX/XX/XXXX - that is 12 ( twelve ) years from the original collection. 

Such misleading and fraudulent practices on behalf of NCS is a direct violation of Fair Consumer Reporting Act. This practice of reporting an outdated negative information must be promptly investigated and stopped immediately.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
On XX/XX/XXXX, five purchases were made at five different XXXX XXXX  stores in XXXX and XXXX in amounts ranging from {$420.00} to {$740.00} on my Bank of America Visa. I live in XXXX   and all of my previous XXXX XXXX purchased have occurred at the same XXXX store or on-line. On the same day, BofA notified me via text that an unauthorized purchase had occurred on my card and asked whether I approved the purchase. I responded that it was not authorized. The next day I spoke with BofA. They issued me a new card and said the five transactions would remain pending while under reviewed for fraud. 

I thought all had been resolved. I also received a letter dated XX/XX/XXXX, BofA sent me a letter stating, " You reported one or more charges or cash transactions that were attempted, but the unauthorized attempts were unsuccessful. '' But then, on XX/XX/XXXX, BofA reversed only two of the five charges. The three remaining transactions were for {$420.00}, {$530.00} and {$680.00}. 

I spoke to customer service again, and they stated that I am responsible for three of the charges since they were " chip authorized. '' My card was never out of my possession, which means the chip used for these transactions was on a forged card. They suggested that I contact each of the XXXX XXXX in question and ask the managers to review their transaction that day to see what was purchased as well as review the security camera footage to see who made the purchase. I could also call my local police department to file a fraud report. 

When I requested copies of the sales slips so that I would be better informed when calling these XXXX XXXX and the police department, I received this computer-generated response for all three : " We're unable to request a copy of the {$680.00} [ {$530.00} ] [ {$420.00} ] sales draft from XXXX XXXX XXXX. Our records indicate that this transaction has already been placed into dispute. '' I was then told that it was up to XXXX to release that information, and it could take at least 30 days for them to consider releasing the information. This all seemed like a process my credit card company should be doing on my behalf. They have basically wiped their hands of it and said good luck. 

I am now in the process of reaching out to my local police department so they can coordinate claims with three different police departments in XXXX and calling XXXX XXXX and XXXX corporate to make them aware of the use of fraudulent chip-enabled cards circulating in that area. Such a fabulous use of my time when we were all promised that the new chips would reduce fraud!

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 2018-06-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have been working with Experian for a few weeks now. I called and reported the Identity Theft fraudulent accounts that are still appearing on my reports. It even appears twice, same account one says closed and one says open for XXXX XXXX XXXX XXXX. I sent the FTC Affidavit showing ID Theft. Called their Dispute department and advised them that this is not my account and they said they would block it but instead just keep disputing it. When they " dispute it '' They come back and say they " Verified '' with the furnisher its my accounts. This is not true, i have not signed any contracts with XXXX 's these Account ( s ) appeared after my wallet was stolen and my Identity was used to open these. The XXXX 's company doesn't even have my correct Address on file. Secondly they list my address in their System as XXXX XXXX XXXX XXXX, TX XXXX. My Address is XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX but it won't let me update the address. Both of these XXXX 's Accounts are fraudulent and i want them blocked from my file i will attach the Affidavit below. Also there is an account from XXXX XXXX. This is not my account, i never received any benefit from this account and i want it removed and blocked from my credit file as well. Additionally XXXX is reporting late payments, this only occurred after the ID Theft occurred at which time i entered into a Payment plan with XXXX and they advised they wouldn't report any late payments so these should be current as i wasn't late.

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 2018-06-03 00:00:00
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: PNC Bank N.A.
State: MA

Complaint narrative:
XXXX debt collection violates FCRA by furnishing outdated account information and misleading the credit reporting agencies which in turn continue to report derogatory consumer information. 
XXXX falsifies the information to re-age the account to continue to report it as negative while it well passed the seven years a timeframe allowed for such reporting. 
XXXX failed to validate the account details and fraudulently changing the dates. 

Specifically, the account in dispute, which was put to collection in XX/XX/XXXX after a short sale ( aka " charge off '' ), continues to appear in credit history NOW, 11 ( eleven!! ) years after as negative and derogatory record despite seven ( 7 ) years allowed by FCRA. 

In response to consumer 's request for investigation XXXX intentionally failed to properly validate this debt DATES but intentionally furnished CRA with false information about dates of last payment from XX/XX/XXXX to make it appear 'NEW '. Due to such illegal purposeful manipulation this debt renewed and set to disappear from the cred report in XX/XX/XXXX - that is 12 ( twelve ) years from the original collection. 

Such misleading and fraudulent practices on behalf of XXXX is a direct violation of Fair Consumer Reporting Act. This practice of reporting an outdated negative information must be promptly investigated and stopped immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
Citibank has consistently Either lowered our current city bank card and is now refusing to grant us a citi XXXX card even though my credit score is at 7:20 and higher. 

My wife and I got caught up in the current mortgage problems going on with XXXX XXXX. XXXX forest our home into foreclosure because we forgot to sign a single document even though our mortgage was being paid on time For five years We had to fight to prove this finally we got a lawyer and at that point XXXX finally conceded refinanced our mortgage and ended the foreclosure. 

Every other credit card service including XXXX XXXX and XXXX XXXX have granted as a reasonable credit limit and eased it, Citibank would lower our credit limit each time we paid the car down Citibank would lower our credit limit each time we paid the card down We currently have paid off all of the debt and are using a city simplicity card for purchases for my job and we are paying that bill almost completely each month Our mortgage is current and we have been paying extra down on it for more than two years We have a combined household income of over {$250000.00} In addition we have between our accounts and upwards of {$100000.00} in savings I actually have a friend who works for XXXX in XXXX XXXX XXXX who explained to me that citi flags the accounts of minorities went into financial difficulty and it is almost impossible once they do to get them to extend credit, even if the mistake or problem that created the financial hardship is not yours and even if you fix the problem and come out from under the financial hardship Since we are financially solvent and everyone from XXXX has extended us credit with reasonable and low interest rates m, I can only assume the information Ive been given about Citibank is correct If there is a more reasonable explanation I would like Citibank to produce it and show it to us If not I requested that Citibank remove the negative connotation for my account in award us and citi XXXX card If the information is correct I am asking that you sanction and fine Citibank for this deplorable practice

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 2018-06-03 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: REGIONS FINANCIAL CORPORATION
State: AL

Complaint narrative:
I applied for a home equity loan with Regions Bank XXXX XXXX XXXX XXXX XXXX XXXX of XXXX XXXX dollars and was turn down. I was given no understandable reason, I asked for the reason in writing. Which I have not received.

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 2018-06-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Home Credit Corp. Inc.
State: NC

Complaint narrative:
Home credit trying to accused me of lying back in XX/XX/XXXX I did report that the car was my ex wife ... and the reason for that is because I bought it for her! Okay since you sitting to your computer replying back on messages why dont you reply with a settlement and I will show proof to your company when I made a partial payment trying to keep from repossession!!!! I want this debt offf my credit Im pretty sure you already sold the car and getting money from the new owner! How dare you reply that I was lying about a payment ... why dont you attach my last payment so Consumer Financial Protection Bureau can see your company took my partial payment and then repossessed my car!!! Show them that!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: MD

Complaint narrative:
I sent a letter of concern as told by collection Agency by email and fax. I attached my proof of residence with lease and dates as proof that I did not reside in area ( different states ... .I lived in Texas the bill was for Washington DC ). I was told that they would contact utility company to handle situation. I expressed that this matter was urgent because I'm applying for a major purchase and this adversely affecting my score. The agency said they would resolve the situation and they never did. Supervisor said she would resolve issue and contact her the next day because she would expedite the situation. I've called back every day the past week and I keep getting the run around and stall tactics, and nobody has called me back or responded at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-03 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: IL

Complaint narrative:
Experian is reporting incorrect information on my credit report. XXXX XXXX XXXX XXXX ( XXXX  ) is not in compliance with Metro2 Reporting. XXXX is reporting 30-60 day late payments for XXXX, XXXX, XXXX and XX/XX/XXXX which is not correct information. XXXX is also not reporting the correct address. The address ID associated with this account is not mine. I was never notified by mail by XXXX that they will be reporting negative payments on my payment history perusant to FCRA section 623. Experian is also not reporting a coplete account hisroty for this account. A lot of data is missing and/or incomplete in the Account History section. Persuant to FCRA 611 and 623 a consumer report must be complete and accurate. 

Experian is also not reporting correct payment history for my XXXX XXXX account. This account was opened XX/XX/XXXX and my payment history does not begin until XX/XX/XXXX. I am missing a entire year of on time payment history which is not fair, accurate and a violation of my consumer rights. Experian is also reporting an inaccurate XX/XX/XXXX late payment with this account. I take pride in paying my bills on time and these inaccuracies is embarrassing and a defamation of my character.

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 2018-06-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
TransUnion has placed a security freeze / fraud alert on my credit file without my express written or verbal authorization. Which has hendered my ability to be approved for credit, receive credit line increases, etc.

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 2018-06-03 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: MD

Complaint narrative:
My Equifax credit report spelled my name incorrectly and had the wrong year for my date of birth. 

These errors were already present several years ago, but I did not become aware of them until my application for a security clearance was rejected last fall. My XXXX and XXXX  credit reports did not have these errors. 

On XX/XX/XXXX, I mailed a Research Request to Equifax with a copy of my driver 's license to authenticate the necessary corrections to my name and date of birth. 

On XX/XX/XXXX I called Equifax, having received no acknowledgment of my request. I was told that my driver 's license was on file but that no action was taken because they required a copy of my Social Security card. 

On XX/XX/XXXX I mailed an updated Research Request to Equifax with copies of my driver 's license and SS card. 

On XX/XX/XXXX ( today ), I received an email inviting me to view Equifax 's " results of your dispute ''. The email was addressed to me using my incorrect name. The authentication pages at Equifax asked four questions that were unanswerable because they referred to loans and credit accounts that I never had. No telephone number was provided, and there was no mention that Equifax would send written confirmation that the errors had been corrected. 

Thus, some of my most fundamental personal information at Equifax -- my name and date of birth -- was erroneously and inexplicably acquired by Equifax. Equifax has been unresponsive and irresponsible in handling my requests for correction. Because the erroneous information is also being used to authenticate my identity, I have no way even to communicate with Equifax directly to settle this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have submitted my FTC and police department reports regarding my identity theft to all three major credit bureaus on more than one occasion. A few marks have been corrected, in their defense, but not all of them even though I have disputed them several times. I am a single mother and I am trying to buy a home asap for my daughter, who is in college, and my infant son. They should not have to pay for a theifs wrong doings. I work hard to provide for my children to make sure they are contributing members of society. The goods were even delivered to the person, who stole my identity, home. The identity theifs name is XXXX XXXX XXXX and the address is XXXX XXXX XXXX, XXXX XXXX, Texas XXXX. I have proof that I have not lived there in years. After she stole my belongings she had an order put in place so I could not come retrieve any of it. I clearly am not allowed to even go to the house much less receive, packages, credit cards or mail there. help me get this fixed. I'm desperate at this point. Thank you for your time and patience.

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 2018-06-03 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: AZ

Complaint narrative:
My XXXX XXXX XXXX/XXXX XXXX credit card # : XXXX is lost/stolen, and has fraudulent and unauthorized charges on the account. The following accounts are all fraudulent and dont belong to me : XXXX XXXX XXXX, XXXX XXXX/XXXX, XXXX XXXX XXXX/XXXX. The following credit inquiries is fraudulent and dont belong to me : XXXX XXXX/XXXX, XXXX XXXX XXXX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-03 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
Opened a XXXX charge account. Created a XXXX account and placed an order. Order was cancelled and account was locked, now can't use account. I opened a XXXX charge account. I placed a XXXX order and requested that the order be shipped to me using the same name, address and phone number that is on my XXXX store credit card account. My XXXX store card was successfully charged and then a few hours later I recevied an email saying my order had been cancelled due to " verification issues ''. I tried to log into my account and it said it had been suspended. I called XXXX and after waiting on hold for over an hour I spoke to someone who said they would put in a request to allow me access to my online account again. I received an email today ( XX/XX/18 ) saying that my XXXX online account could not be fixed due to " Verification Issues ''. So now I am left with a XXXX charge account that has been approved and opened by XXXX XXXX but the retailer ( XXXX ) will not let me shop at their store. Since XXXX did not contact me to help with their " verification issues '' I have no other option. I can only shop at XXXX with this charge account.

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