vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: TX

Complaint narrative:
I typically prefer to pay bills by check, however occasionally it is necessary for me to pay a bill online, either with a credit card or by entering my bank account info. Once the payment is made, I always delete the payment method from the website so that it is not saved. Since 2013, I have paid my mortgaged, serviced by PennyMac, with a mailed check. However, about a year ago, I was not able to get check in the mail in time, and have never had a late payment so I paid online with my bank acct. I selected the ONE TIME PAYMENT button. After payment made, there was not a way for me to delete my bank acct. I could only edit it or add a new acct but not delete. I called Penny Mac and they explained they have it set up like this on purpose so they will have a payment method on file for future payments. Since I requested it be removed, they did so but it took a couple of days because the request had to be submitted to a separate department. 
I am experiencing the same problem again now, however, Pennymac is REFUSING to delete my bank account information. I have made multiple requests in writing ( since XXXX XXXX through Pennymac 's message center on the website, as well as several verbal requests over the phone. At first my requests were answered with instructions to delete the account myself, although the DELETE button that I was instructed to click, does not exist on the loan holder 's end. Apparently it is visible to the Pennymac staff but not to me. I even sent a screen shot to the manager of the customer service department, showing that I did not have the delete option the manager and several reps have mentioned. Now, I am being told they WILL NOT delete my account info even though I have requested this multiple times. XXXX, a PennyMac Loan Specialist tells me through the message center that this is a benefit to me and to " please rest assured your information is secure and safe. '' Is it legal for PennyMac to continue to obtain access to my bank account even after I have requested it be deleted?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-17 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Newman, Mathis, Brady & Spedale
State: LA

Complaint narrative:
As a Federally protected consumer this alleged debt collector has violated my right to privacy as well as multiple adverse actions as listed in the attached documents. I request that the CFPB hold them accountable for their actions.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-17 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
XX/XX/2016 I went to XXXX XXXX  XXXX XXXX for a consultation. I wanted to know what my options were. Later Id started getting phone calls concerning payments, later in mail about a court date. Id called several times to speak with the attorney, I wasnt able to reach her, later was told she no longer works for the company. Filed a complaint with Ga XXXX XXXX, basically the attorney stated she could not make any statements because she didnt have any information in front of her. I simply went into the office to find out what my options were. I did not file bankruptcy.

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 2020-12-17 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
XX/XX/2016 I went to XXXX XXXX  XXXX XXXX for a consultation. I wanted to know what my options were. Later Id started getting phone calls concerning payments, later in mail about a court date. Id called several times to speak with the attorney, I wasnt able to reach her, later was told she no longer works for the company. Filed a complaint with Ga XXXX XXXX, basically the attorney stated she could not make any statements because she didnt have any information in front of her. I simply went into the office to find out what my options were. I did not file bankruptcy.

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 2020-12-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY

Complaint narrative:
Wells Fargo suspended my account due to " suspicious activities '' which in reality is me wiring money to my international account in XXXX XXXX. 

They, therefore, suspended my online banking account and refuses to reactive it saying the only way to reactive my account is if I come in person to one of their branches. 

I live abroad right now so I can not physically be there.

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 2020-12-17 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
There are 3 credit reporting bureaus, for the past 25 years my FICO rating has always been above XXXX. A few years ago I noticed that Experian kept lowering my score from around XXXX to just below XXXX changing my credit score from excellent to very good. 
Well it didn't take long to figure out that since Experian started their own credit reporting tool that was a service that promised to increase one 's credit score and that I don't belong to, that my FICO score started vacillating from just under XXXX while the other two credit reporting agencies have kept my FICO score constant for the past 25 years while every month or two Experian keeps bouncing my FICO score to just below XXXX for no reason what's so ever. If you look into my credit history you will see I have never paid a bill late, never had a negative item in my entire credit history, but if I agree to join their credit reporting program then all of a sudden my credit score will jump up past XXXX ( excellent credit score ). It is obvious that Experian is trying to take advantage of the public by arbitrarily lowering people 's FICO score for no reason at all, more to the contrary, they are penalizing people who have good FICO scores unless they join the Experian Credit Reporting Program, which is just out and out credit score manipulation which needs to come to an end. I am writing to you in the hopes that you will make them aware of this and that they need to change their policy, which seems highly illegal. 
Of course barring no action from your agency I will be forced to sue them in a class action lawsuit for illegal business practices. I await your reply and thank you.

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 2020-12-17 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
On XXXX XXXX 2020, XX/XX/XXXX closed down all 5 accounts I have with them without notification. I received a letter from them with the reason of closing down the accounts. The reason is high risk of failure to pay with no credit agency reported as part of the decision. All accounts with XX/XX/XXXX were in good standing and never late paid. XXXX XXXX limit XXXX with Balance of XXXX, XX/XX/XXXX limit of XXXX with balance of XXXX, XX/XX/XXXX limit XXXX with balance of XXXX, XXXX limit XXXX with balance of XXXX, XXXX limit XXXX with balance of XXXX. All said account are been paid accordingly. When these accounts were closed, it hurt my credit by -38 points. I tried to get a clarification from the grantor but none was ready to give me a good reason for closure of these accounts.

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 2020-12-17 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
On XXXX XXXX 2020, XX/XX/XXXX closed down all 5 accounts I have with them without notification. I received a letter from them with the reason of closing down the accounts. The reason is high risk of failure to pay with no credit agency reported as part of the decision. All accounts with XX/XX/XXXX were in good standing and never late paid. XXXX XXXX limit XXXX with Balance of XXXX, XX/XX/XXXXXXXX limit of XXXX with balance of XXXX, XX/XX/XXXX limit XXXX with balance of XXXX, XXXX limit XXXX with balance of XXXX, XXXX limit XXXX with balance of XXXX. All said account are been paid accordingly. When these accounts were closed, it hurt my credit by -38 points. I tried to get a clarification from the grantor but none was ready to give me a good reason for closure of these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-17 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
On XX/XX/2020, XX/XX/XXXX closed down all 5 accounts I have with them without notification. I received a letter from them with the reason of closing down the accounts. The reason is high risk of failure to pay with no credit agency reported as part of the decision. All accounts with XX/XX/XXXX were in good standing and never late paid. XXXX XXXX limit XXXX with Balance of XXXX, XX/XX/XXXX limit of XXXX with balance of XXXX, XX/XX/XXXXlimit XXXX with balance of XXXX, XXXX limit XXXX with balance of XXXX, XXXX limit XXXX with balance of XXXX. All said account are been paid accordingly. When these accounts were closed, it hurt my credit by -38 points. I tried to get a clarification from the grantor but none was ready to give me a good reason for closure of these accounts.

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 2020-12-17 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: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
On XX/XX/XXXX, apparently, I was looking for a recliner. I found some, but my daughter thought I should look at XXXX recliners. I found several and sent them to her. She liked one and I started a purchase process. I saw the recliner would take 4-6 months to be delivered. We decided that was ridiculous. I had started a purchase process but DID NOT FINISH because of our conversation. I did not purchase the chair, did not receive an account initialization announcement, account number or credit card. 
then I saw an account was added to the XX/XX/XXXXCredit account report, lowering my score and possibly added at the other two credit reporting companies. I started with XX/XX/XXXX because it was the one sending me the information. So I dispute the addition of this fallacy to my credit reports.

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 2020-12-17 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: MN

Complaint narrative:
I have disputed this account on my credit report for many years. 

This account has passed the 30 days period for dispute results many times. 

This account should be removed immediately. Experian is the only credit reporting agency that has NOT removed this account. 

Account Name : XX/XX/XXXX Account Number : XXXX Please remove 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
Consumer complaint received 2020-12-17 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A.
State: WV

Complaint narrative:
Hello- my mortgage was sold to Flagstar a year or so ago, without my knowledge or consent. I recently paid my mortgage balance down to 80 %. Repeated attempts with Flagstar to have the PMI insurance removed have been unsuccessful. I was told by a Flagstar rep that it stated in my original mortgage agreement that I signed for PMI insurance the full term of the mortgage, yet they won't send me a copy to prove this. After doing my own research, I believe that I'm not required to pay PMI after the note is reduced to 80 %. As well, I've never missed one payment! I'm hoping to gain some insight as to what I'm responsible for regarding my mortgage with this company.

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 2020-12-17 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: VA

Complaint narrative:
There are two mortgages showing up on my credit report. I only have one with XX/XX/XXXX. I do not know who XXXXXX/XX/XXXXXXXX is but Trans Union is saying it is accurate without providing any explanation.

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 2020-12-17 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO REPORTING FALSE ALLEGE DEBT ON MY CONSUMER REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS WHICH IS A DIRECT VIOLATION OF THE FCRA. IT HAS NOW BEEN OVER 30 DAYS. I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE.

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 2020-12-17 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: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I purchased a trip to go to XXXX in XX/XX/XXXXXX/XX/XXXXwith XXXX XXXX travel. The trip cost a total of {$5600.00}. I paid for this in 4 installments : {$1500.00} on XX/XX/XXXXXX/XX/XXXX {$2000.00} on XXXX/XXXX/XX/XX/XXXX {$1000.00} on XXXX/XXXXXX/XX/XXXXand {$850.00} on XX/XX/XXXXXX/XX/XXXX. Unfortunately due to COVID this trip could not take place. The company wrote me an email stating they would not be offering refunds but they would be postponing the trip to XXXX. I received a Credit for the full {$5600.00} to use for a trip in XXXX. However on XX/XX/XXXX I was told that XX/XX/XXXXtravel was now in administration and is no longer trading as a business. They have cancelled all future trips. I was advised by XX/XX/XXXX to contact my credit card which is a Chase Visa and asked to contest the charge as the goods and services provided were not received. Chase denied my request as they stated too much time had passed. I called and explained that the reason all the time had passed was because the trip was initially rescheduled. There was no reason to contest a charge when I was promised what I paid a year later. The customer service rep suggested I resubmit my claim to include the email promising the trip in XXXX, the credit, and then the letter I received about administration. This was again denied. I spoke to a supervisor again XX/XX/XXXX who again stated that it had been too much time since my charges. They advised me not to resubmit unless I have new information. However, my understanding about visas rules are that, the time limit for making a claim should start from the date you were expecting to receive the service/trip not from the purchase date, given you are buying something to be delivered in the future. So I don't think the window has closed. And I believe I am entitled to the {$5600.00} I paid for a trip that the company will no longer be able to provide.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TD BANK US HOLDING COMPANY
State: MN

Complaint narrative:
I have been listed as an authorized user on an account. This account is not being reported onXX/XX/XXXX or XX/XX/XXXX, onlyXX/XX/XXXX This account should be reported. 

TD Bank USA/Target Card Account number : XXXX XX/XX/2014 ( 6 yrs, 6 mos ) CONTACT INFO : TD BANK USA/TARGET C XXXX XXXX XXXX XXXX, XXXX XXXX, MN XXXX USA

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-17 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Brennan & Clark, Ltd., LLC
State: NJ

Complaint narrative:
Brennan & Clark is attempting to collect a debt for a liability insurance policy that was never taken out. We currently have insurance with another company and only received a quote from XX/XX/XXXX. This was repeatedly squared away with the insurance company but the attorney continues to harass my business. XXXX XXXX is the agent that keeps calling and notifying my employees of an ongoing legal dispute that is very serious and needs to be taken care of. Most recently she contacted my husbands mothers home. I am not sure how she even got her contact information, the business is in my ( maiden ) name. I have made it clear that this is an illegitimate claim but they keep calling. The calling has been so obsessive I still think it may be some type of fraud. I'd like to have this ended.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-17 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Nationwide Recovery Systems, Ltd
State: NC

Complaint narrative:
Fair credit reporting act violated. I was not notified of a collection account placed in my credit report. I was notified on XX/XX/XXXX-2020 that a collection account was reported to the credit bureaus. Upon investigation, I was not notified of this by the collection agency prior to it being reported on my credit report. I legally have to be notified in order to dispute/resolve and have the debt validated. I was not given that option. I have disputed the debt with credit reporting agency 's but the debt remains as a negative item with high impact on my credit file while the dispute is being processed. I am also mailing a certified dispute letter, kindly asking them to remove the account from credit reporting until validation. Fair credit reporting laws have been violated by the collection agency. The amount of the debt is {$790.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-17 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: EQUIFAX, INC.
State: TN

Complaint narrative:
Equifax andXX/XX/XXXX should not be reporting me as an authorized user on the XX/XX/XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I called the bank and let them know that I did not give permission to be added as an Authorized User on this account. I have contacted the bureaus to fix this however, I have not been successful. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This negative reporting is harming my credit score and this line item needs to be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
First time selling item on XXXX. Item listed for {$800.00}. Immediate text interest from XXXX. Buyer said he would send cashiers check for {$1900.00}. {$800.00} for the item. A {$50.00} tip for me for taking the listing down and holding the item for him. And {$1100.00} that I am to provide the movers when they pick up the furniture item. He is apparently moving to the city but his moving company was going to pickup the large furniture item for him. I receive cashiers check and deposit it. It clears. I set pickup time and the buyer says the {$1100.00} must be sent via XXXX XXXX. I said no. Only cash or check in person when they pick it up. He said with Covid the rules are they must have the I asked why he couldnt have sent it then. He said I already have his money and this is legit. So I sent {$1100.00} to XXXX and I had a bad feeling about it. I also thought I had the money in my account though. He avoids me the next two days. Then says his wife has been in an accident. They arent moving and he doesnt need the item. The cashiers check is fake and I sent {$1100.00} that I can not get back right now. So fraud has been committed against me. I reached out to Chase and because I paid over XXXX, they could not give me my money back.

Company response to consumer: Closed with monetary relief