vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-07-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC
State: GA

Complaint narrative:
We were required to purchase PMI at ten time we got our mortgage in XX/XX/XXXX. At that time our home appraised for {$270000.00}. The current principal balance on our home is {$200000.00}. As we understand, PMI should have been removed automatically when the LTV reached 78 % of the original appraised value. After noticing that the bank did not remove our PMI, even after the principal fell below 210,000, we filled out the banks request form to remove the PMI and emailed it as instructed on XX/XX/XXXX. We have received no response. 

We have never missed or been late on a single payment.

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 2019-07-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO.
State: MS

Complaint narrative:
My home mortgage is with Chase Bank. Beginning about XX/XX/2018 Chase Bank began to show the date of the latest consumer payment in the top right corner of mailed statement. I like using the Chase app to schedule my payment every month on their website. I schedule the payment for the 1st ;  if it is a holiday - I scheduled it for the day prior. I schedule the Chase payment during the middle of each month for the first of the upcoming month. I have never been late at all with this mortgage. However, I just noticed the other day that, in small print on the monthly mortgage statement, it states what date they received a payment. On my statements, there are many received payment dates of the XXXX and of the XXXX. They are not posting correctly ; all were scheduled for the first of the month ; or the day prior if the first is a holiday. And, each month, it is a Chase Bank App that I schedule on. I still have all the composition books I used during the last few years. I am simply asking for the data ( of when Chase received by " checks '' over their database ) to be corrected on my records. Instead, it reflects the date when the checks cleared the bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: PA

Complaint narrative:
The mockery was continuously happening, because CFPB was closing my complaints and took one side, side of abusers, liars and obstructers of justice. CFPB was not looking into and was not helping my requests. Why it is so difficult to get help against power abuse? I complained not just one time that Paypal imprisoned MY MONEY and won't allow to move it between family and friends with no fees and at once. Paypal was using any chance to play with my account and tried to block family and friends option and charge instead high fees over 3 %. Paypal did it to people who was sending money to me too. I attached screen prints with explanation of today 's mockery. That Paypal again did not allow me to send money through family and friends option. I prepared them message and sent it with warning that I am going to complaint to CFPB again. How many times needed to complaint about the same thing that finally something will be done against outrageous abuse. This abuse compared to theft, because I was not able to use my money the way I was needed. I still did not get Paypal debit master card yet. After I sent my message to Paypal about my complaint to CFPB they suddenly opened family and friends option. Why I was suffered for so long? Why they feel free to make a mockery over member and my money?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-22 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: SUNRISE CREDIT SERVICES, INC
State: IL

Complaint narrative:
I sent a letter to Sunrise Credit on XX/XX/XXXX they did not respond to my written request. I mailed and faxed a copy and received confirmation of receipt. They then reported the account on my credit. This account was already disputed and found unvalidated through another two agency who are selling it.

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 2019-07-22 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: MD

Complaint narrative:
PennyMac purchased my loan from XXXX in early 2019. PennyMac failed to pay my home insurance by the due date despite the fact that it collects escrow each month to cover the expense. My policy has now lapsed due to PennyMac 's negligence.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: TX

Complaint narrative:
I continue to be denied Public Service Loan Forgiveness by MyFedLoan. I cant get a clear answer, but when I recently reapplied I was denied again. I called and was told it was due to {$10.00} discrepancy they found from years ago, but can not provide proof. I should wholeheartedly qualify. Please help. I worked in public service XX/XX/XXXX to XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-22 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: Early Warning Services, LLC
State: NJ

Complaint narrative:
I was denied opening a bank account at XXXX XXXX in XXXX nj because early warning services reported me to them. Ive never utlitized credit in my life. I dont even have a credit score or any debt ever. I have a thin file and i havent had a bank account since 2009. The report they have is inaccurate and is detrimental to me not being able to open a bank account with my work check drawn from the same bank XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A.
State: NV

Complaint narrative:
I had a Rewards Cash check canceled. It was never cashed. A check in the sum of {$550.00} was to be reinsured as a check and mailed to my residence. First contact with Citi was in XX/XX/2019. I have been in contact with them five times and each time they claim the check is in the mail. After several months of claiming that I will receive the check, it never appears. Clearly they are purposefully holding on to the money. Why?

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 2019-07-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX, XXXX, and Transunion has a collection on my credit report that is not mine and they refuse to remove it. They are in violation of the ( FCRA ) Account not mine : XXXX XXXX XXXX ; Not Mine XXXX XXXX XXXX ; Not Mine

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 2019-07-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Equifax, XXXX, and XXXX has a collection on my credit report that is not mine and they refuse to remove it. They are in violation of the ( FCRA ) Account not mine : XXXX XXXX XXXX ; Not Mine XXXX XXXX XXXX ; Not Mine

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX, Experian, and XXXX has a collection on my credit report that is not mine and they refuse to remove it. They are in violation of the ( FCRA ) Account not mine : XXXX XXXX XXXX ; Not Mine XXXX XXXX XXXX ; Not Mine

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 2019-07-22 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: PA

Complaint narrative:
The account listed below does not belong to me. I was XXXX  in XXXX XXXX   during the time that this account was opened. My XXXX  XXXX # ID XXXX This account must be immediately removed from my credit. If not, I will file a lawsuit for defamation of character and reporting false information. 

Account : XXXX XXXX/XXXX XXXX XXXX : {$7800.00} Date Opened : XX/XX/2016

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio America Asset Management, LLC
State: CA

Complaint narrative:
I have repeatedly explained to them it is not my debt I have filed numerous complaints on the site and they harass me with mail. The debt is not mine and was done in 2009 10 years the statue of limitations is up on this debt. I want it to stop it has been taken off my credit report as well as closed.

Company response to consumer: Untimely response
Consumer complaint received 2019-07-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Hunt & Henriques
State: CA

Complaint narrative:
I have filed numerous complaints against this debt, statute of limitations is up on. This is not my debt and has also been closed. This is HARASSMENT!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: M&T BANK CORPORATION
State: CA

Complaint narrative:
XX/XX/2019, I paid approx. half pay to mortgage of XXXX because my wife had messed with our living budgets so I paid them then XX/XX/2019 I called M and T bank for amount of owe the half to my mortgage for XX/XX/2019. I asked XXXX at his customer service about I want to pay full to mortgage on XX/XX/2019 thereon and plus {$130.00} till pay off the owe then back to normal mortgage payment. XXXX refused to my request and wanted me to pay full of XXXX because of M & T bank rule. I told him that I didn't have full payment but only I can afford {$130.00} for about approx. 4-5 months would be full paid with XXXX full amount payment this would be back to normal mortgage payment. XXXX and me were dispute. He asked me do we plan to sell our house. I said no, we don't sell my house as stay here for years. XXXX lied to me because he said he will check his bank weather or not approve my half payment may put in the end of maturity payment. So he wanted me to pay full about {$650.00} to paid on XXXX then I must pay full on XXXX. I told him I didn't have full pay because we are low income but I can do is {$130.00} payment with full payment. But XXXX lied to me because the next 3 or 5 day almost everybody at M & T bank called to my wife almost everyday about ask her for our house for sell she told them No! Almost everyday! for about 3 months that was no stop! Nobody took her NO! Our house is not for sale period! We did told M & T Bank we want to talk their supervisor they refused! Still they harassment us continually. I had been anxiety caused by my type XXXX XXXX because of their harassment! My wife has XXXX XXXX pain because of her pressure with this problem. We have proof our health conditions. about two or so the other bank which is XXXX XXXX manager XXXX XXXX XXXX We did answer it but it was not able to my mobile and, they hung up on my wife. We did not understand with their problem. We got another victims as some ads post cards sent us about sell our house. We still refuse to sell our house! We still not have any solves with these problems!

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 2019-07-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: WELLS FARGO & COMPANY
State: OR

Complaint narrative:
I took 3 loans each for {$5000.00}, {$2500.00} Interest paid {$2500.00} interest not paid from Wells Fargo, starting in XXXX. I got a good job in XXXX for XXXX XXXX 's and I began to pay on the loan I paid {$500.00} every pay period for the next 5 years. Has nothing to do with it my daughter was killed in XXXX I got a call from Wells Fargo I told them I am glad you called I lost my job they said I need to make loan current so I paid {$320.00} over the phone, it was not for another 6 months I found out it was a company selling my loan to another and I also found out I owed {$10000.00} still!! Wells Fargo sold my loan to another company also and I was paying them so someone has ALOT of my money somewhere, I don't know what to do? 


Did research I think these are people who called pretending to be Wells Fargo Student Loan : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Direct ) # XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
The account listed below does not belong to me. I was XXXX in XXXX XXXX during the time that this account was opened. My XXXX XXXX XXXX XXXX  XXXX This account must be immediately removed from my credit. If not, I will file a lawsuit for defamation of character and reporting false information. 

Account : XXXX XXXX XXXX Balance : {$7800.00} Date Opened : XX/XX/2016

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 2019-07-22 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: PA

Complaint narrative:
The account listed below does not belong to me. I was XXXX in federal prison during the time that this account was opened. My federal prison # ID XXXX This account must be immediately removed from my credit. If not, I will file a lawsuit for defamation of character and reporting false information. 

Account : XXXX XXXX XXXX XXXX : {$7800.00} Date Opened : XX/XX/2016

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 2019-07-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
THIS ACCOUNT DOES NOT BELONG TO ME AND I WOULD LIKE IT TO BE REMOVED FROM MY 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 2019-07-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KS

Complaint narrative:
I used my credit card at a gas station on XX/XX/2019 to fill up my car. I must have dropped my credit card on the ground, resulting in someone finding it and using at that gas station for a {$15.00} purchase. Additionally, they then decided to use my credit card at XXXX across the street and made a purchase of {$400.00}. 

I noticed this via text alerts about 20 minutes later and immediately froze my card and contacted Capital One to let them know that a fraudulent transaction occurred and I had lost my card after checking my wallet. While talking to a representative, I said something along the lines of, " Should I contact the police ''? They quickly dismissed that and told me not to worry, as their fraud department will be diligent in acquiring evidence. 

Days later, I received a credit back to my account for the {$400.00} and they told me that an investigation is in process. On XX/XX/2019 I discovered that they reissued the charge of {$400.00} to my account and I called customer service to get to the bottom of it. They told me that after investigation, they did not find any fraudulent activity, so they would not give my credit back for the purchase I did not make, even though on the website, it says customers have zero liability for any fraudulent transactions. 

I feel as though Capital One did not dilligently research the fraudulent activity, as I was swift to take action and report the crime. Additionally, they specifically told me not to contact authorities, which after talking to many people, it seems unethical. I am now forced to file a police report so that they can prove that there was, in fact, fraudulent activity.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-07-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
THIS ACCOUNT NEEDS TO BE UPDATED

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 2019-07-22 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: GA

Complaint narrative:
The following accounts are reporting to my credit report in error. They must be removed immediately as they are the result of identity theft. I already filed a complaint with the FTC and local authorities. 

1 ) XXXX XXXX XXXX for {$490.00} opened XX/XX/XXXX 2 ) XXXX XXXX   {$4600.00} opened XX/XX/XXXX 3 ) XXXX XXXX XXXX for {$490.00} opened XX/XX/XXXX 4 ) XXXX XXXX for {$100.00} opened XX/XX/XXXX 5 ) XXXX XXXX XXXX with {$0.00} Balance Opened XX/XX/XXXX 6 ) XXXX XXXX for {$520.00} Opened XX/XX/XXXX 7 ) XXXX XXXX XXXX for {$100.00} Opened XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
The following accounts are reporting to my credit report in error. They must be removed immediately as they are the result of identity theft. I already filed a complaint with the FTC and local authorities. 

1 ) XXXX XXXX XXXX for {$490.00} opened XX/XX/XXXX 2 ) XXXX for {$4600.00} opened XX/XX/XXXX 3 ) XXXX XXXX XXXX for {$490.00} opened XX/XX/XXXX 4 ) XXXX XXXX for {$100.00} opened XX/XX/XXXX XXXX ) XXXX XXXX XXXX with {$0.00} Balance Opened XX/XX/XXXX 6 ) XXXX XXXX for {$520.00} Opened XX/XX/XXXX 7 ) XXXX XXXX XXXX for {$100.00} Opened XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-22 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: GA

Complaint narrative:
The following accounts are reporting to my credit report in error. They must be removed immediately as they are the result of identity theft. I already filed a complaint with the FTC and local authorities.

1 ) XXXX XXXX XXXX for {$490.00} opened XX/XX/XXXX 2 ) XXXX   for {$4600.00} opened XX/XX/XXXX 3 )  XXXX XXXX XXXX for {$490.00} opened XX/XX/XXXX 4 ) XXXX XXXX for {$100.00} opened XX/XX/XXXX 5 ) XXXX XXXX XXXX  with {$0.00} Balance Opened XX/XX/XXXX 6 ) XXXX XXXX for {$520.00} Opened XX/XX/XXXX 7 ) XXXX XXXX XXXX for {$100.00} Opened XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
UPDATE THIS ACCOUNT ON MY 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 2019-07-22 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: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: TX

Complaint narrative:
I have not taken any action at this time yet as Im writing my complaint to you first 1.XXXX XXXX - {$0.00} XXXX 2.NISSAN MOTOR ACCEPTANCE - {$41000.00} XXXX 3.XXXX XXXX - {$4900.00} XXXX 4.XXXX XXXX XXXX XXXX 5.XXXX XXXX - {$390.00} XXXX 6.XXXX XXXX XXXX - {$3700.00} XXXX 7. XXXX XXXX XXXX - {$370.00} XXXX 8.XXXX XXXX XXXX - {$3700.00} XXXX 9.XXXX XXXX XXXX - {$1000.00} XXXX

Company response to consumer: Closed with explanation