vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-05-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BOK FINANCIAL CORP
State: CO

Complaint narrative:
The Lender is BOKF NA  DBA  Colorado State Bank and Trust  (    CSBT ).
CSBT is overcharging for PMI and adding costly cancellation-related   fees including home appraisal fees despite a signed PMI contract indicating automatic PMI cancellation on a specific date indicated on the Amortization Schedule.     PMI was to be automatically cancelled on   XXXX   XXXX  2017    per our contract, which states : " If you are current on your loan payments, PMI will automatically terminate on the date the principal balance of your loan is first scheduled to reach 78 % of the original value of the property, based solely on the initial amortization schedule for your loan and irrespective of the outstanding balance of your loan on that date. This date is   XXXX   XXXX  2017    ''.     We are current on our payments, have never missed/been late on a payment, and therefore should no longer be paying PMI as of   XXXX   XXXX  2017   .      CSBT  did not automatically cancel PMI on   XXXX   XXXX  2017    per our contract. When questioned, it was state d by CSBT that  " their policy changed '' and now require the borrower to submit a written request and submit payment of {$150.00} for a Brokers  Price Opin   ion. This is additional to the extra PMI we are currently still being charged, {$230.00}.
CSBT is failing to honor the contract and acting very " matter of fact '' aga  inst honoring the contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-07 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Platinum Holdings Group, LLC
State: CA

Complaint narrative:
I have never heard of nor had any contact with Premium Asset Services,  LLC . Someon e, n one  behalf of this company left court papers at my place of employment with the receptionist ( who is not a permanent employee ) who then informed her supervisor, who then informed my supervisor, who then informed me. This 'company/business ' has filed paperwork with the courts for a judgement of over {$2000.00} and never once notified me of ANY 'debt ' that I supposedly owe to them. I have never heard of a debt collector not informing you of a 'debt ' before filing paperwork with the courts.     Premium Asset Services, LLC  XXXX   XXXX   XXXX   XXXX .    XXXX   XXXX   XXXX   XXXX , CA  XXXX   XXXX   XXXX   XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-07 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Persolve, LLC - Legal - Series 2
State: CA

Complaint narrative:
For the first time a '' Memorandum of costs after judgment of accured interest '' dated  XX/XX/XXXX  was mailed to my old address from  Persolve LLC  case #  XXXX   XXXX  Courthouse?! It was a long time before I could find any case info because the website indicates  XXXX   XXXX  Courthouse not  XXXX . I was shocked to find out this Company filed summons  XX/XX/XXXX , got judgment in     XX/XX/XXXX .  I was never informed, called, served or anything mailed to me for 7 years!!!!   This  Company filed Writ of Execution  to  XXXX  County  XX/XX/XXXX . In  XX/XX/XXXX 7 they garnished my Bank account and took money!!!!!! I filed Claim of Exemption  XX/XX/XXXX .that was mailed to wrong address again after I gave the Sheriff correct address and phone number. I do n't know who this  Company is or owe anything to them. How can the Court o rder against me without giving me a fair chance to defend my self. I ca n't explain how violated I feel. I am  XXXX . My only income is from  XXXX . I am a   XXXX   XXXX   XXXX  . How can they do this to me? It is hard to deal with day to day suffering from my illness.   BUT THEY MANAGED TO STEAL MY MONEY. I have court on  XXXX  because Persolve filed notice of opposition to claim of exemption???? I have contacted  XXXX ,  XXXX   XXXX  and  XXXX  they have no records of any negative accounts. It is deceptive collection practices and misleading the  Court, The Judge, The Law  and myself. I need some one that will stand up for me and stop others from being unfairly taken advantage of.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-07 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: I.Q. DATA INTERNATIONAL, INC.
State: CA

Complaint narrative:
ON   XXXX     I MOVED OUT OF THE APARTMENTS.   XXXX   XXXX   A COLLECTION COMPANY NAMED  IQ DATA INC/RENT  COLLECT GLOBAL, REPORTED A DEBT IN THE AMOUNT OF  XXXX  ON MY CREDIT REPORT. I NEVER RECEIVED A DEBT VALIDATION NOTICE. I KNOW I HAVE 30 DAYS TO DISPUTE A DEBT BEFORE IT IS REPORTED ON MY CREDIT REPORT. BEING THAT I DID NOT MOVE OUT UNTIL THE   XXXX   XXXX   XXXX   THERE IS NO WAY THAT  IQ DATA  COULD HAVE SERVED ME WITH THE DEBT VALIDATION NOTICE BEFORE   XXXX   XXXX   AND THEN LEGALLY REPORTED IT ON MY CREDIT FILE, BECAUSE THAT IS LESS THAN 30 DAYS.     I SPOKE WITH THE ORIGINAL CREDITOR,   XXXX   XXXX   AT  XXXX , AND THEY ALSO STATED THAT THEY DID NOT EVEN COMPLETE THE INVOICE UNTIL  XX/XX/XXXX   . THEY ALSO STATED THAT ONCE THE INVOICE IS FINALIZED THEY ALLOW THE CONSUMER 14 DAYS TO PAY THE ACCOUNT BEFORE SENDING THE ACCOUNT OFF TO COLLECTIONS.     I WOULD LIKE THIS DEBT TO BE REMOVED AND I WOULD LIKE TO BE NOTICED PROPERLY. THESE TIME LINES DO NOT ADD UP. THE EARLIEST DATE THIS DEBT COULD HAVE BEEN REPORTED ON MY CREDIT REPORT IS   XXXX   XXXX  ND THAT IS IF THEY HAD NOTICED ME, WHICH THEY NEVER DID.     I WENT TO THE ORIGINAL CREDITOR ON   XXXX   XXXX   AND OBTAINED A COPY OF THE INVOICE AND DEBT THAT I WISH TO DISPUTE. I HAVE INCLUDED THAT INFORMATION WITH THIS DISPUTE

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
Hi abo ut 5 y rs ago I contacted the original creditor  XXXX   XXXX , This account was an account open from Identity theft.  XXXX   XXXX  closed the account. I have been living out of the country for several years. and I pulled my credit and saw it was fraud. The closed it and promised to remove it off my rep ort 5 yrs ago.      I have Attached my utility bill to prove, I was living in  XXXX  from  XXXX   XXXX  And I have made updated police reports when I had returned and saw even more Identity theft.     Now in  XXXX    XXXX    XXXX  has sold the account to a collection agency, they put this account on my credit report and has been trying to collect  XXXX  on a  Fraud  account fro  m 5 yrs ago.
I did write a letter to the collection agency but I have not had a response.     I would like to have this RE- Removed off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Sound Collection Services
State: WA

Complaint narrative:
While I was in the process of settling a dispute with my current landlord in XXXX 2017, I submitted an application on XXXX XXXX 2017 for tenancy to XXXX XXXX XXXX, who use sound screening. <P/>Sound screening obtained incorrect information from my landlord, for which I was denied tenancy at XXXX XXXX. <P/>The incorrect information is the record that I do n't pay rent on time, am ineligible for re-rent, and that in general I am a bad tenant. <P/>Later, once my current landlord and I reached an agreement, I resubmitted my application on XXXX XXXX 2017. Sound Screening failed to recognize the new information and I  again was denied tenancy at XXXX XXXX. <P/>I have a termination of tenancy agreement with my landlord, as well as a rental verification letter from my landlord - both of which are singed and notarized. <P/>This information needs to be corrected. <P/>Also I would like the incomplete information about my income verification be removed. The record states that Sound Screening was unable to contact and verify the information, so it should not be kept on record.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-07 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:
ON   XXXX     I MOVED OUT OF THE APARTMENTS.   XXXX   XXXX   A COLLECTION COMPANY NAMED  XXXX   XXXX   XXXX    XXXX   XXXX  , REPORTED A DEBT IN THE AMOUNT OF  XXXX  ON MY CREDIT REPORT. I NEVER RECEIVED A DEBT VALIDATION NOTICE. I KNOW I HAVE 30 DAYS TO DISPUTE A DEBT BEFORE IT IS REPORTED ON MY CREDIT REPORT. BEING THAT I DID NOT MOVE OUT UNTIL THE   XXXX   XXXX   XXXX   THERE IS NO WAY THAT  XXXX   XXXX  COULD HAVE SERVED ME WITH THE DEBT VALIDATION NOTICE BEFORE   XXXX   XXXX   AND THEN LEGALLY REPORTED IT ON MY CREDIT FILE, BECAUSE THAT IS LESS THAN 30 DAYS.     I SPOKE WITH THE ORIGINAL CREDITOR,  XXXX   XXXX  AT  XXXX , AND THEY ALSO STATED THAT THEY DID NOT EVEN COMPLETE THE INVOICE UNTIL  XX/XX/17   . THEY ALSO STATED THAT ONCE THE INVOICE IS FINALIZED THEY ALLOW THE CONSUMER 14 DAYS TO PAY THE ACCOUNT BEFORE SENDING THE ACCOUNT OFF TO COLLECTIONS.     I WOULD LIKE THIS DEBT TO BE REMOVED AND I WOULD LIKE TO BE NOTICED PROPERLY. THESE TIME LINES DO NOT ADD UP. THE EARLIEST DATE THIS DEBT COULD HAVE BEEN REPORTED ON MY CREDIT REPORT IS  XX/XX/2017    AND THAT IS IF THEY HAD NOTICED ME, WHICH THEY NEVER DID.     I WENT TO THE ORIGINAL CREDITOR ON   XXXX   XXXX   AND OBTAINED A COPY OF THE INVOICE AND DEBT THAT I WISH TO DISPUTE. I HAVE INCLUDED THAT INFORMATION WITH THIS DISPUTE

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 2017-05-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Williams & Fudge, Inc
State: TX

Complaint narrative:
I attended part of semester at  XXXX   XXXX  in   XXXX   XXXX    XXXX . I withdrew from my courses.  XXXX   XXXX  charged me a penalty. Subsequently, my  XXXX  tax return was seized to cover the entire {$770.00} penalty the school charged me. They later sent me a letter notifying me. I received this letter from  XXXX   XXXX , attempting to collect the same debt. I asking that this debt collector be sanctioned for attempting to collect a debt, which has been paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I paid a Gap Visa bill in  XXXX    XXXX   on the phone via  XXXX  Credit Card Customer Service. I double checked my account online to make sure the bill had been paid and my balance showed  XXXX . Then, I received an email about an overdue bill charging me late fees. I called Synchrony Bank who manages this credit card and they said my payment was denied because of a problem with my checking account number. I asked that the late fee be waived since I was not notified of this problem and Synchrony Bank would not even consider waiving the fee and just demanded I pay them the debt which had since accumulated several  XXXX  dollars by the time I received the email. I am hesitant to pay because I have had to call customer service about   XXXX   times now for this  XXXX  charge and keep getting emailed about the same bill needing to be paid only now with additional costs of late fees. I 'm afraid to pay Synchrony Bank because it seems like a scam, they do n't have any of the facts about my account, and are rude and abrasive on the phone. I am now getting notices that I owe {$250.00} in $  XXXX /billing cycle late fees which have been piling up since  XXXX  despite my attempts to resolve the issue. Gap shut down my credit card and wo n't take any of my calls. I 'd like to dispute this debt and make sure  my Gap Visa is entirely shut down as I 'm worried this experience is damaging my credit score.  Please help!

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 2017-05-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: FIRST HAWAIIAN, INC.
State: CA

Complaint narrative:
First Hawaiian   XXXX  began taking {$10.00} per month from my " Totally Free Checking '' without my knowledge and consent in  XXXX    XXXX   and has done so for the past six months - I had no prior warning or knowledge nor did I give them my consent to charge my account. They called the change an " Inactive Account  Fee  '' but it shows up on-line as a service fee. In either case it was a fee for doing absolutely nothing and serves no purpose except to steal money from the accounts of those who trust the bank is protecting their money. I can leave money in my safe at home for free with no " inactivity fee '' so why would I agree to put it in a bank and be charged. I had no prior knowledge  First Hawaiian    XXXX    would act like  XXXX   XXXX  and charge money or change your account without any knowledge of the account holder. I guess they learned from  XXXX   XXXX  that stealing money from consumers is very profitable. I have asked them to return the money taken from my account without my knowledge or consent and they have refused. These thieves are just like  XXXX   XXXX  - charging fees to accounts called " totally  Free '' without authorization or the knowledge of the customers. I plan to close the account and never do any business with these thieves again. When is the US  Government going to do something about these dishonest banks?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-08 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: CA

Complaint narrative:
XXXX  refuses to remove a foreclosure from my credit report even though it is well past the  7.5 year s beyond the FCR A Date of Compliance. Under FCRA 609 ( a ) ( 1 ) I d id request and receive a consumer disclosure file from each CRA in  XXXX  which detailed the Date of First Delinquency an d Date of Compliance  as  XXXX / XXXX / XXXX  as reported by the loan originator,  XXXX   XXXX   XXXX .      XXXX  purchased the loan from   XXXX   XXXX   XXXX    and at that time re -- aged the terms of the loan which is illegal and is being reported t o the CA State Attorney General,  XXXX , and FTC as part of this complaint. The unethical and illegal behavior which  XXXX  continues to harass borrowers with to extend the dates is ludicrous.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MI

Complaint narrative:
USAA h as lowered my credit limit to {$3000.00}, way below my current balance of {$8000.00} and immediately reported this to the credit bureaus causing m y credit score t o drop  XXXX  points fo r the  XXXX  time in last   XXXX  . It is their attempt to force me to pay a higher monthly payment.    This is the   XXXX   credit card  with USAA w hich they lowered my credit limit below my current balance and reported this negative information to all  XXXX  credit bureaus.   I belie ve USAA has t argeted me for some reason and are deliberately ruining my credit history causing me higher rates for insurance and causing other creditors to follow suit.     I have had this credit card for approx.  XXXX  years and have NEVER missed a payment. Further, I have never missed a payment with any account in my name my entire life. I am  XXXX  years of age and never have I  had any kind of negative information reported to my credit report, However, in the last week USAA ha s wrongfully report ed  XXXX  separa te negative items to my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: MD

Complaint narrative:
OCWEN did not send required letter DENYING loan modifications.      XXXX  loan modification package was submitted by  XXXX  in  XXXX   XXXX  to OCWEN. Prior  XXXX  's sent in  XXXX  to OCWEN by  XXXX  my

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-08 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: MN

Complaint narrative:
We decided to file this complaint after reading several articles regarding a lawsuit filed against   XXXX   XXXX  /Navient. The complaints described in this suit sound very familiar to some of the experiences we have had. We unfortunately do not have specific dates and amounts, as we never expected an opportunity to file a complaint.Several years have passed since we have attempted to adjust our repayment. I set up an agreement with  XXXX   XXXX  in   XXXX   regarding my private loans that consists of a low monthly payment, but the loan remains in default and is negatively impacting my credit. Previous to this agreement I had spoken with the company several times to try to lower the $  XXXX  monthly payment with no success. Forbearance was the only option given to us until that ran out. By that time the payment was so high it surpassed our housing payment. My wife can specifically recall asking about income based repayment for this loan and was told that it was not an option. Something is just not right about us now owing {$56000.00} after already paying {$33000.00} when the original amount borrowed {$35000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-08 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: FL

Complaint narrative:
My name is  XXXX   XXXX  I received a letter from  XXXX  BANK on  XXXX / XXXX /  XXXX   saying that my application for a credit card was decline on  XXXX   XXXX ,   XXXX  . The application ID is  XXXX . The address on the letter from the bank is   XXXX   XXXX    XXXX   XXXX   XXXX , SD  XXXX   XXXX  their  XXXX  :  XXXX . My name and address was correct on the letter. my address is  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  fl  XXXX .     I  XXXX   XXXX  DID NOT APPLY FOR A CREDIT CARD FROM  XXXX  BANK. I will love for you to look in to this matter for me. Thanks inadvance

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-08 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: CA

Complaint narrative:
XXXX  refuses to remove a foreclosure from my credit report even though it is well past the  7.5 years beyond the FCRA Date of Compliance. Under FCRA 609  ( a  ) ( 1 )  I did request and receive a consumer disclosure file from each CRA in  XXXX  which detailed the Date of First Delinquency an d Date of Compliance a s  XXXX / XXXX / XXXX  as reported by the loan originator,  XXXX   XXXX   XXXX .      XXXX  purchased the loan from  XXXX   XXXX   XXXX  and at th at time re -- aged  the terms of the loan which is illegal and is being reported to the CA State Attorney General, BBB, and FTC as part of this complaint. The unethical and illegal behavior which  XXXX  continues to harass borrowers with to extend the dates is ludicrous.

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 2017-05-08 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: CA

Complaint narrative:
XXXX  refuses to remove a foreclosure from my credit report even though it is well past t he 7.5 years beyond the FCRA Date of Compliance. Under FCRA 609 ( a ) ( 1 )  I did request and receive a consumer disclosure file from each CRA in  XXXX  which detailed the Date of First Delinquency an d Date of Compliance as   XXXX / XXXX / XXXX  as reported by the loan originator,  XXXX   XXXX   XXXX .      XXXX  purchased the loan from   XXXX    XXXX   XXXX  and at th at time re --  aged the terms of the loan which is illegal and is being reported to the CA State Attorney General, BBB, and FTC as part of this complaint. The unethical and illegal behavior which  XXXX  continues to harass borrowers with to extend the dates is ludicrous.

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 2017-05-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: DC

Complaint narrative:
I tried to make a payment of {$5000.00} but told payment would n't be accepted so I had to filed for a modification reasons ; divorce,   XXXX   XXXX   XXXX , time off work, loss wages, garnishment from debt of ex husband.Now I have my finances under control, all documents has been submitted to SELECT PORTFOLIO SERVICING , INC .  Response wa s a denied modification- non Home Retention options  XXXX   XXXX  Help   1.   racial dis crimination is reason for denial 2. property is appraised twice the amount of original loan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
There is an incorrect address on my equifax account.

Company response to consumer: Closed with explanation