vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-04-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DE

Complaint narrative:
My mortgage was originated in 2006, so I am covered by the provisions of the Homeowners ' Protection Act of 1998. Under the provisions of that law, a lender is required to cancel any Private Mortgage Insurance payments ( PMI ) when the principal balance on the loan reaches 78 % of the original value of the property. My balance has reached 77.9 %, and I have requested that the lender ( Bank of America ) strike the PMI payment immediately, as they are required by law to do. But my request has been met with obstructionism. The lender wants me to pay them for a " property valuation '' so that they may " determine '' whether or not to cancel the PMI. The law allows NO provision for the lender to consider a decline in property value, even if one had occurred. The unambiguous language of the law states that they are required to cancel the PMI at this point ( provided my loan is current, which it is ), and there should be no discussion. If Bank of America continues to assess me a PMI payment beyond this point, they are in clear violation of the law.

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 2019-04-15 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Portfolio Recovery Associates, LLC
State: TN

Complaint narrative:
I received a call at my job after I have already set up payment arrangements with them in the past. I have notified them that they are to only contact me at my cell phone. They have still contacted me. They are practicing unlawful methods of obtaining information and the government should be ashamed of themselves for letting companies like this get away with this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
those are not my 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 non-monetary relief
Consumer complaint received 2019-04-15 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 — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX, XXXX and Equifax received electronically verification from XXXX XXXX XXXX XXXX on my Mastercard ending # XXXX update as my balance is at {$140.00} on XXXX XXXX. 
But XXXX, XXXX  and Equifax are retaliating because of my file Federal Complaints.and they will not update my balance and credit score. 
As my credit card ratio is under 30 percent. and not XXXX percent as it states on my credit reports. 
All three agencies needs to respectfully update my credit scores and credit. 
I am seeking a VA Loan and purchase in California. 

I am respectfully XXXX XXXX and Retired and a XXXX XXXX Honorable Military Veteran.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: IL

Complaint narrative:
XX/XX/2009 XXXX XXXX FILED A FRAUDULENT FORECLOSURE COMPLAINT I HAVE NEVER HAD A LOAN WITH XXXX XXXX ... XXXX 

SEE ENCLOSED DOCUMENTS FOR DETAILS AND EXAMPLES AND OR EXHIBIT

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 2019-04-15 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Tribal Lending Enterprise, Inc.
State: CA

Complaint narrative:
I entered into a loan charging 750 % interest without knowing until after I accepted.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-15 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: CA

Complaint narrative:
In XX/XX/2018, several attempts were made to obtain credit through EXPERIAN and XXXX crecit reporting agencies by someone using my social security number and personal ID. Both credit applications were denied due to insufficient credit history. As a result, I filed a fraud ID theft report with the FTC # XXXX on XX/XX/2018. 

After reviewing my EXPERIAN credit report, I discovered that my 45 year credit line history was expunged with the exception of two closed account accounts.. As a result, no FICO credit score. 

After disputing the fraudulent credit applications to both Experian and XXXX, disputes were resolved, however, the EXPERIAN account still showed no credit line history and they were unable to assign a FICO score due to " Insufficient credit history ''. 

After four months of attempting to obtain a reason for Experian expunging my credit history, I was finally able to speak to an attendant who researched my issue. I was advised that perhaps I hadn't activated credit reporting avtivity. I confirmed with my banks, mortgage carrier, credit card companies, who all indicated they were continuing to forward my monthly account activity to EXPERIAN. Recently, and again after many futile attempts to resolve my problem, I was advised that a " computer error '' was the reason for my credit history not being properly recorded and that it would take some time to fix, no approximate time frame given. Please note that when I checked my Experian credit report in XX/XX/2018, there was another social security number attached to my account which was supposed to be removed by Experian after I disputed it. 

Please note that my current XXXX and XXXX credit accounts are up to date with FICO credit scores above 800.

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 2019-04-15 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.Q. DATA INTERNATIONAL, INC.
State: NV

Complaint narrative:
I.Q. Data International , Inc., is the collection company that had sent me a notice for over {$11000.00} on XX/XX/XXXX for a debt that I had hired an attorney for. My attorney sent a letter on XX/XX/XXXX indicating they not contact me as the debt was entirely being disputed. The original creditor XXXX XXXX XXXX was sent several certified letters on XX/XX/XXXX. XXXX XXXX XXXX. They were given 30 days to respond and they did not. 
XXXX XXXX Managing Director, XXXX XXXXPresident , XXXX XXXX XXXXXXXX-President , among others never replied to my attorney, XXXX XXXX XXXX 

On XX/XX/XXXX I received a notification that there was a collection placed in my credit profile. I was able to get the name and number of the collection company and they indicated that they sent a notice ; however, it was only sent 10 days prior for a different amount than was originally reported. IQ sent the new collection for {$3000.00} on XX/XX/XXXX. I had not even seen the letter as it was sent to my attorney. On XXXX XXXX, XXXX they had already placed the collection in my credit profile without giving the required 30 days to dispute the new amount. 

My complaint is against XXXX XXXX XXXX and I.Q. Data International, Inc. It is my opinion that the matter was not handled  properly therefor now appearing as a collection in m y credit report. I have taken care of my credit and now there is a blemish in it. 

I have all the correspondence to support my complaint. 
I respectfully request your assistance and guidance on how to resolve this matter. 

Kind regards.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-15 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: HI

Complaint narrative:
On XX/XX/XXXX of 2019 my husband and I assumed a VA mortgage from a seller with Freedom Mortgage and we are beyond dissatisfied with their handling of this account. The first issue was that we were informed 4 days after we closed that the previous owners of this mortgage had a {$1300.00} shortage in their escrow impound account and it was not disclosed to us in the process of closing. Their explanation was that it was disclosed to us by telling us what our estimated monthly escrow payment would be. We were not made aware that it included an increase in that payment due to the deficit. 
Second, I asked for an escrow analysis be sent to me to see after this incident and I was shocked at their accounting practices. Some months they pay into the account, other months they do not, and sometimes they double up the payment into the impound account. We tried to resolve the whole thing with them by writing a letter to their escrow department and asking to drop the impound account. We are more than capable of paying for our homeowners insurance and taxes. They declined and said XXXX XXXX backed their loan and the rules are that you need to have an impound account for two years. Then they retracted that statement and said it was their own rule. For the life of me, I can't get a person on the phone who can help me there. I reach a dead end in the 40 or more hours I have been on the phone with them. I start with the XXXX  number, escalate it to a supervisor, then the their " ambassador '' level and every time, they say they will look into it and call me back and NO ONE ever does. I have a list of every phone call and all the supervisors I have spoken with and their ID numbers. I can't get my loan serviced. Help! See attached documentation.

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 2019-04-15 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Medical Data Systems, Inc.
State: SC

Complaint narrative:
Since XX/XX/2019 Medical Data Systems has attempted to collect a debt of {$19000.00}. I have sent them validation letters and they have not responded back to me with appropriate information. This medical debt collection company has mishandled my credit reporting disputes and has prevented me from exercising important debt collection rights. These practices has highly affected the credit scores

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 2019-04-15 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: PA

Complaint narrative:
Trans Union continues to published XXXX XXXX XXXX XXXX on credit report. I've sent certified letters and continue to place on the 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 2019-04-15 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: SC

Complaint narrative:
Experian, XXXX, XXXX XXXX have a charged off XXXX account showing on my CBR 's that was to be removed from my CBR 's on XX/XX/XXXX because of age of the original debt. None of the three CB 's have removed the charged off account information - The charged off balance on the XXXX account was {$19000.00} and I have written documentation from experian that the charged-off account would be removed XX/XX/XXXX - This removal of the account should be done by the other two CB 's as well by law

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 2019-04-15 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: National Credit Adjusters, LLC
State: TX

Complaint narrative:
I reviewed my credit report for XX/XX/XXXX and the account information from National Credit Adjust show account is charged off or in collection XX/XX/XXXX on XXXX and XXXX. It show last date of activity on XXXX on XX/XX/XXXX. it show the last date of active on XXXX as XX/XX/XXXX. I looked at my credit report for XX/XX/XXXX on XXXX and now it shows as 120 days late last reported on XX/XX/XXXX with last payment date XX/XX/XXXX. I have been disputing this account but it seems that when I dispute it the company change the report date on it to keep it current on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-15 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Capstone Credit & Collection, LLC.
State: NV

Complaint narrative:
I never received any dunning letters or notification from this company about this alleged debt. I disputed it with the 3 cred bureaus, ( XXXX, XXXX, & XXXX  ). It was removed from XXXX and XXXX  but not XXXX. It is not my debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-15 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: LDF Holdings, LLC
State: CA

Complaint narrative:
They are charging me almost 800 % interest. I was not aware of how much interest being charge.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
My Capital One credit cards have been in a restricted status for over a year with no separate adverse action letter sent. I called on XX/XX/19 to find out what was going on and was finally told that my accounts were permanently restricted and Id never regain charges privileges. The representative said the great news was that I could apply for another line of credit. 

I was told that I was sent 4 emails regarding restriction notice but I keep all emails from financial institutions and although I received pat due notices, I have never received an email stating that my charging privileges would be permanently revoked or even at risk. 

Capital One is deceptive in continuing to charge membership fees on an account I will never have access to again and in failing to communicate what restricted means and how/if restricted status could be lifted.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NATIONWIDE ADVANTAGE MORTGAGE COMPANY
State: IA

Complaint narrative:
I paid off my loan for my home on XX/XX/2019. I was told and received papers letting me know the escrow amount would be held for 20 days incase there were payments which had to be made. After 30 days I called to see what was going on and was told a check had been mailed to me on XX/XX/XXXX. I did not receive a check. The lady told me to call the following Wednesday if I had not received it yet. I called and a man told me they only issue checks once a month for escrow and that they would be sending me another check on XX/XX/2019. Today is XX/XX/XXXX. After waiting 2 hours on the hold on the phone I talked to XXXX who told me a completely different story. She said they had mailed the check on the 15th and had to wait 30 days to mail another check. She told me to get back with them on the 18th if I have not received it. I asked if there were another place that I could contact them rather than the phone because I was on hold for 2 hours. She suggested the web site which I have been on for about an hour, it has no information about my escrow. I feel like I am getting the run around from this company. I get a completely different story from everyone I talk to. The only thing they all have in common is that they want me to call back. She also said if someone cashed the check they cant reissue it. Now I expect them to say it was cashed so they don't have to refund my escrow. If I used the same excuses they did my credit would be horrible. It is just a wild goose chase from Nationwide.

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 2019-04-15 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 — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX, Transunion and XXXX received electronically verification from XXXXl XXXX Credit Department on my Mastercard ending # XXXX update as my balance is at {$140.00} on XXXX XXXX. 
But XXXX, Transunion and XXXX are retaliating because of my file Federal Complaints.and they will not update my balance and credit score. 
As my credit card ratio is under 30 percent. and not 33 percent as it states on my credit reports. 
All three agencies needs to respectfully update my credit scores and credit. 
I am seeking a VA Loan and purchase in California. 

I am respectfully XXXX XXXX and XXXX and a XXXX XXXX XXXX Military Veteran.

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 2019-04-15 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 — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Experian, XXXX and XXXX  received electronically verification from XXXX XXXX XXXX   Department on my Mastercard ending # XXXX update as my balance is at {$140.00} on XX/XX/2019 
But Experian, XXXX and XXXX are retaliating because of my file Federal Complaints.and they will not update my balance and credit score. 
As my credit card ratio is under 30 percent. and not 33 percent as it states on my credit reports. 
All three agencies needs to respectfully update my credit scores and credit. 
I am seeking a VA Loan and purchase in California. 

I am respectfully XXXX XXXX and XXXX  and a XXXX XXXX XXXX Military Veteran.

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 2019-04-15 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: Navient Solutions, LLC.
State: MI

Complaint narrative:
On XX/XX/XXXX, I contacted XXXX XXXX XXXX to resolve a debt that they acquired from XXXX University. I told the associate ( XXXX ) that I did not want to settle for a lower amount, but instead pay the balance in full with the terms and agreement that the debt would be deleted/removed/ from my credit report. Having my final payment scheduled for the first of XXXX, I contacted XXXX XXXX XXXX  today ( XX/XX/19 ) to request that they fax the deletion letter on the XXXX of XXXX. Upon doing so, I was told by both the associate and her manager ( XXXX ) that they wouldn't do that, and could instead only notate the account on my credit report as " paid in full '' and that the only solution they had on their end was to handle their own issues internally with XXXX ... ... a solution that does not help me at all. To date, I have paid {$3700.00} of the {$4900.00} owed, in a matter of 4 months. A deed that was both very financially and mentally burdening to me, but at the same time done to uphold an agreement that was made in XXXX ; an agreement that is apparently not being held up by the company that told me they would. I feel as if I was lied to and misled in order to pay the full balance due, with no real quick outcome in helping my credit, which was the goal of the initial agreement. I would NOT have agreed to pay {$5000.00} in a matter of 4 months without the terms being what were agreed upon initially, and I honestly would have settled for a much lower amount.

Company response to consumer: Closed with explanation