vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-08-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PHH Mortgage Services Corporation
State: DE

Complaint narrative:
I 'm attempting to refinance a home equity line of credit with XXXX. XXXX pulled a property title report showing an unresolved lien from XXXX from XX/XX/XXXX as well as the current mortgage, which was acquired by XXXX in XX/XX/XXXX.
I e-mail 'd XXXX XX/XX/XXXX, to request the lien be released. I received an e-mail reply from an XXXX XXXX that this request had been prioritized with the Lien Release Team and would be completed in 30 business days.
OnXX/XX/XXXX, I e-mail 'd and requested a status. I received a reply from XXXX XXXX XXXX that the request would be completed in another 15 business days.
On XX/XX/XXXX, I spoke with a XXXX XXXX at XXXX, x XXXX, who told me the lien release request had supposedly been escalated after my last e-mail, and he would call me back within 1 business day. I never received a return call, nor has he responded to v-mails I 've left since.
On XX/XX/XXXX, I opened a complaint with the Delaware Attorney General 's Fraud and Consumer Protection Division and e-mail 'd XXXX and advised them I 've filed the complaint. I have not received any response from XXXX.
The AG 's office suggested I contact the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-11 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: CA

Complaint narrative:
I just received notice that my existing CFPB Complaint # XXXX is closed and XXXX XXXX XXXX has still continued to report erroneous ratings to Experian for my mortgage account. They acknowledged the reporting was not correct and that corrections were made, but this is not the case. Please assist in having them comply, they have violated by rights under Bankruptcy already and I do n't feel they are completing the tasks that they promised on.

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 2017-08-11 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Kriya Capital, LLC
State: OK

Complaint narrative:
2 different collection agencies reporting delinquent phone bill from the same XXXX XXXX XXXX bill and neither of them have put in the date of last activity ( the last day i did anything with the credit grantor ) Credence ResourceXXXX XXXX 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 2017-08-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
I have contacted Wells Fargo regarding the cancellation of PMI stating that my loan is under 78 % LTV and the automatic cancellation of PMI should apply. They have sent multiple letters back stating an appraisal would be required because they need to assure that the value has not gone down. However the Homeowner Protection act does not allow for this. They are also using the wrong calculation for calculation and state that I am at 79.8 LTV because they are using the purchase price of XXXX to calculate rather than the original appraisal of XXXX. My loan amount currently is XXXX which is below 78 % of the original value.

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 2017-08-11 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: U.S. BANCORP
State: TX

Complaint narrative:
I had a couple of " late '' payments ( did not go over 30 days ) with XXXX XXXX XXXX To alleviate this problem, I set the account up on auto pay. Supposedly, something was wrong with the form when they received it. Instead of contacting me to let me know this, they did not take the next payment through auto draft, cut my credit line from {$1800.00} to {$500.00}, and reported me to credit! Obviously I am not trying to run from this account -- I tried to set up auto draft, and have always let them know my address changes ( I have moved twice in the last month, three times in the last six months. ) They have my current address on file as always.
Since there were three weeks between them receiving the auto draft form, and the next payment being due, I feel they should have not reported me to credit -- and instead called me and let me know what happened ( that i had left something unchecked on the auto draft form. All it was was the section that states whether I wanted the entire balance deducted, or the minimum payment. 

All of this on a balance of about {$250.00}, with a payment due of about {$25.00}! The account was NOT in collections -- it had just had a couple of payment lapse into the grace period. 
We are professional people, always employed since graduation from college in 1987. We own two homes free and clear, a car free and clear, and not only have no bankruptcies, repos, or foreclosures, we have no slow payments or missed payments except this one, and it should not have happened.

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 2017-08-11 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: EQUIFAX, INC.
State: FL

Complaint narrative:
To whom it may concern, On XXXX XXXX of 2017, I sent written communication to equifax requesting that they update my credit report showing my auto loan being paid in full. After a phone call to equifax, I was advised to send all documentation in writing, in which case I did so. I included a letter from XXXX financial services stating my account has been paid in full as of XXXX XXXX of 2017. To date, my credit report with equifax has not been updated. All other credit reporting agencies are showing as paid in full. I contacted equifax once again and was told while they did receive my documentation, they have an additional 60 days to respond. I am attempting to refinance my home in which the deadline is about to expire and will soon be in default. I ask kindly for any help you can give in this matter as I believe I have exhausted all avenues. Thank you in advance for your attention with this matter. Kind regards, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Solomon and Solomon, P.C.
State: GA

Complaint narrative:
Solomon & Solomon PC stated in their response to a complaint that I submitted in XXXX 2017 that they were coding my complaint for a delete with the credit bureau 's. This account is still present as paid on my credit reports but as Solomon & Solomon PC stated I want the account deleted and I would like Solomon & Solomon to contact all 3 credit bureau 's to have account deleted. Below is Solomon & Solomon 's response from XXXX/2017. Company responded Status Company responded Closed with non-monetary relief on 2017XXXXXXResponse TypeClosed with non-monetary relief Company 's  response The firm shows the account under XXXX XXXX at a XXXX address with a matching number. The utility account is paid. Due to the change of address to XXXX we have coded a delete. The firm shows the account under XXXX XXXX at a XXXX address with a matching number. The utility account is paid. Due to the change of address to XXXX we have coded a delete. The firm shows the account under XXXX XXXX at a XXXX address with a matching number. The utility account is paid. Due to the change of address to XXXX  we have coded a delete.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-11 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
CHASE BANK has a misleading promotion, claiming new holders of the Chase Sapphire Reserve will be given XXXX bonus points if they spent {$4000.00} or more in the first three months. I have never owned a Sapphire Reserve card before. When I called to apply for the Chase Sapphire Reserve card, they did not tell me I was not be eligible for this benefit, but they gladly allowed me to agree to pay a {$450.00} annual fee. Chase claims the Sapphire Preferred card I had was the same account - and the reserve is just an upgrade - and therefore I am ineligible for the bonus points.
No where in the promotion details does it say Sapphire Preferred card owners are ineligible for the bonus. When I spoke with a represen tative inquiring about the Reserve ca
rd, no one told me I would not be eligible for the promotion. My Sapphire Reserve is a new credit card to me. Which is what the language below says. They did not tell me it was going to the same account. I had no expectation that it would be. " XXXX Bonus Points This product is not available to either * ( i ) current cardmembers of this credit card, * or ( ii ) previous cardmembers of this credit card who received a new cardmember bonus for this credit card within the last 24 months. To qualify and receive your bonus, you must make Purchases totaling {$4000.00} or more during the first 3 months from account opening. '' I changed my behavior, chose to use their card over other benefit cards with the expectation that I was going to earn this reward. They got my annual fee, I have spent well over the minimum in the first three months. Now Chase has informed me I will not be given the XXXX bonus points. I have escalated this with Chase as far as I can, but they will not give me what I 've paid for and earned.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
I am writing to file a complaint against Portfolio Recovery Associates XXXX XXXX XXXX, XXXX, VA XXXX in regards to a collection account listed on my current credit report and thus has been for the last 2-3 years. PRA, llc obtained this debt somehow unknown at the time from XXXX XXXX who is listed as the original creditor on the account. Upon noticing the collection back in XX/XX/XXXX, I contacted the company and the credit bureau to dispute the debt. Over the last 2.5 years, I have disputed this account maybe 5 times and each time the bureaus XXXX and XXXX stated it was verified. The account will show closed, then reappear on my report months later as a new collection account dropping my score each time. I requested validation of debt from portfolio recovery last year XX/XX/XXXXand was provided a few credit statements from when the account was open which in fact was approximately 3 months according to XXXX XXXX. I tried working backwards and contacted XXXX XXXX in XX/XX/XXXX, provided documentation requested and had the account deleted for Identity theft yet PRA, llc refuses to follow suit of the original creditor and delete for identity theft. The FCRA requires the debt be validated within 30 days and if they can not validate ( not verify ) debt, by LAW it must be removed.I recently disputed the debt again XX/XX/XXXX via XXXX and XXXX and once again it came back verified so today XX/XX/XXXXI called XXXX and spoke to XXXX XXXX and requested the documentation used to verify this account over and over be sent to me as required by law. XXXX, who in fact admitted on recorded line, stated that they have '' no documentation that is used to verify the account is mine, we go by what the creditor states '' I informed XXXX that XXXX was in fact in violation of the Fair Credit Reporting Act which states " disputed items can NOT appear on my credit report if they can not be supported by any evidence. '' A creditor simply stating the debt is in fact mine is not supporting evidence that will hold up in the court of law. My attempts to validate the debt from the 2nd creditor have been insufficient, and my attempt to verify from the bureaus have been insufficient and thus this debt is being inaccurately reporting to my credit report for years now illegally and I wish to have it moved ASAP! Upon contacting the original creditor, the debt was deleted a few years ago for Identity theft and by Law. Because a collection account is treated as a continuation of the original debt, it will be deleted at the same time as the original account ~per XXXX ; Original account was deleted in XX/XX/XXXX and I am seeking this continuation account be deleted as well

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-11 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: NATIONSTAR MORTGAGE LLC
State: NY

Complaint narrative:
Since XXXX of 2017 I have trying to re finance with Nationstar Mortgage. Loan # XXXX. I have repeatedly sent and resent the information that they have requested. The answers that I get are we are working on it. The contact person at Nationstar is XXXX XXXX phone # XXXX. This is now into the 8th month. Please help XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
On XXXX Monday XXXX at XXXX XXXX sharp I contact true XXXX number my bank to stop payment in cheque for amount XXXX, lady in bank informe it 's 15 por cheque, I request to make for 2 cheque number XXXX y XXXX i did n't remember which that exactly, bank go with my request and charge me 30 for 2 spot payment. On XXXX XXXX late afternoon, amount XXXX was deductible from account, again I contact my bank, they informe transaction was pending but they will denied because stop payment I make, but they will give me temporal credit until my transaction. By this cheque was no pay, return with Forgery logo in cheque, by this asume my money will be ok my account. On XXXX XXXX cheque was present in bank branch of XXXX florida locacin, was pay, even they cheque has a forgery stamp, I oready pay to do n't pay cheque. I contact bank, they keep changing open and close new case, also speak manager in that branch they said they present another cheque number, I never order cheque in my account, this 2 cheque I did autorize and be charged for stop payment was they cheque that u get went u open account, so by this there 's probe I do n't write cheque, because simple I do n't have more cheque. Att. XXXX XXXX XXXX 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 monetary relief
Consumer complaint received 2017-08-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I inquired on inquiries desired to be deleted because someone is fraudulently using my personal information to apply for credit and the customer service rep would not help and take care of removing the inquiries reporting to 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 2017-08-11 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:
I have sent a letter regarding identity theft and disputing the following accounts and I have yet to hear back from the credit bureau.
I am a victim of identity theft and have included a police report with this dispute. Items I am disputing are : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX 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 2017-08-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
I purchased a house that closed on X/X/17. My title company mailed a payoff check to Chase Auto Finance on X/XX/17 for my XXXX XXXX XXXX. I continued to get calls from Chase regarding a late payment. I called Chase on X/XX/17 twice and spoke with customer service who informed me that no check had been received or posted. I then called my title company who put a stop payment on the check, issued another one, and sent it overnight with a signature required that was signed for by Chase on X/XX/17. On X/XX/17, after my calls to customer service, Chase posted the first check which had the stop payment on it. The check was returned as invalid and Chase reported to my credit that my account was 30 days late. As well, the refund they issued me was also stopped and I was charged a fee by my bank. On X/X/17, I called Chase and spoke with supervisor XXXX who told me the check had been received on X/XX/17 and he was not sure why on X/XX/17 I was told it was not received. I then called my title company and initiated a three way call with myself, the title employee, and XXXX to find out the status of the check issued, and signed for, on X/XX/17. XXXX could not see that any check had been received on X/XX/17 despite it being signed for by an employee of Chase. He explained that there was no way to call the mailroom to find out and no way to check the status of the check. He explained that it took 24-48 hours to reflect once a check had been received. As it was now X/X/17 and the second check appeared to be lost, the title company employee confirmed with XXXX that she could go into a Chase local branch and pay the loan so she put a stop payment on the second check on XXXX and went into the branch on X/X/17, paid the loan off and received a receipt. Today, X/XX/17, I spoke with XXXX  who told me he " had bad news '' and that on the same day, X/X/17, the payment was being made in person by the title company employee, the second check had posted to the account. He told me that this made the payment made in person on the same day " invalid '' and that since a stop payment had been issued on the second check, we would need to wait until it bounced back to start all over again. This also meant that the second refund they had sent to me, which was {$30.00} less than the first one, would also be stopped again. I asked him if he could assure me I would not have a 60 day late reported to my credit and he said he was unable to have any control of that. When I asked if I was able to speak to someone higher than his position, he told me the only other way to speak to someone was to " maybe call the executive offices ''. I am at wits end and my credit and emotional stability have suffered.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-11 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Loan payment wasn't credited to your account — 
Company: Total Finance AC LLC
State: IL

Complaint narrative:
Paid car note late but also paid for the {$25.00} late fee have been making partial payments and late fees. Also my car was totaled and I left a voicemail and they are still charging me for the month that it was totaled after I informed them and they 're charging {$100.00} more.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I inquired on inquiries desired to be deleted because someone is fraudulently using my personal information to apply for credit and the customer service rep would not help and take care of removing the inquiries reporting to 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 2017-08-11 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
I have a private student loan through Citizens Bank. The servicing of the student loan is through XXXX. The loan program has a auto debit incentive which reduces the interest rate. As this change in rate is not on the note or disclosure statement it is my understanding that they are required to show whether or not it is applied on my monthly statement or otherwise disclose if it is being applied to the current rate. XXXX contests this and has told me that they are not required to disclose this, that i need to manually calculate the rate monthly and check to see if this is applied. Am i correct that they are required to disclose this? If so can you point me to the particular regulation on point so i may pursue my grievance?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-11 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: TX

Complaint narrative:
There is a tax lien on my credit report with Equifax. It is not mine. I have the same name as my father. They are confusing me with someone else. I contacted the IRS AND STATE CONTROLLER OFFICE and confirmed that this does not belong to me. I disputed this with Equifax and they are continuing to report this on my credit. The IRS stated that they never verified anything like this on me to Equifax and that they do n't do electronic verification.
Equifax failed to respond to my dispute on this error. it has been past 90 days

Company response to consumer: Closed with explanation