vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MI

Complaint narrative:
Good afternoon, Since fifth third Bank bought my mortgage and my life been rough. Beginning of this year they had a problem with me saying that I missed 3 payments. While actually all the 3 payments were out of my account. I struggled so hard to reach out to someone from their office to understand and help me because my credit score dropped and they were taking me for foreclosure. I had to get and pay for a lawyer for them to understand the struggle and help me out. However, that problem with fixed after the lawyer with involved and I was back on my monthly payments. All my payments are auto pay which means they are eligible to deduct it from my account and they do. I have family to take care oversees I went this past summer came back and again I get mail from them saying that I missed a payments and I'm charged late fees and I have three late payments which made my credit score dropped so bad. I don't understand how if I have my auto payment on and you guys charge me monthly and I have late payments! I have my all my payments record. I don't want to go pay for a lawyer again to get this fixed! This company is stressing me out!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-17 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Blakely-Witt and Associates, Inc.
State: TX

Complaint narrative:
I have contact the credit bureaus multiple times in reference to the debt. I have asked them to show me proof of how it was verified and what was obtained. They have ignored me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Synovus Bank
State: GA

Complaint narrative:
pursuant to FCRA 15 U.S. CODE 1692B ( 2 ) FDCPA 15 U.S. CODE 1692a I have a right to an accurate consumer file and when asked via written correspondence this company should have provided me with verification of this debit being mine and they haven't, therefore I am demanding this account be removed from my consumer reports

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-17 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: ZIONS BANCORPORATION
State: NV

Complaint narrative:
This is a copy of a letter I sent to Nevada State Bank on XX/XX/2021 regarding a complaint on my Home Equity Line of Credit account # Last month I had to call several times because the an error in fee. There was a small draw fee of {$30.00} that was added in my account that was not part of the contract. This was later removed after contacting my loan officer, XXXX XXXX. 
I also questioned the balance that was transferred into my new promotion of 0.90 % for 12 months which was around {$90.00} more than I expected but was reassured this was correct. Here is an excerpt of my communication with the loan officer : Yes that is correct but if you look at the XXXX statement, the 3.25 % was used to calculate the interest rather than the 1.99 % interest rate. The XXXX statement is correct because it used the correct interest rate but in XXXX statement a wrong interest rate was used. I think the extra {$90.00} or so came from the incorrect 3.25 % rate which my heloc never had as my account went from the 1.99 % promotion to the 0.90 % promotion. Please have some review this as I still believe that my calculation is correct. 
I called today XX/XX/2021 seeking clarification on the interest charge for the XX/XX/2021 statement which is incorrect. I am not sure where the {$100.00} interest for the average daily balance of {$88000.00} at a 0.90 % APR on a 30 days cycle came from since my calculation the interest should only be {$65.00}. Even the statement which listed a XXXX daily rate comes to only $ XXXX for my balance. The representative I spoke to does not know the reason and informed me that a ticket will be created for the back office to review. 
Lastly, I gave up with using billpay to send my monthly payment to this line of credit. I am not sure why the Nevada State Bank system of processing payment is very unreliable. All other billpay payments I have with my bank XXXX XXXX posts in timely manner. My account with XXXX XXXX notifies me of payment sent to Nevada State Bank to ensure receipt by XXXX of each month. However, my payment does not post into my line of credit until 7-12 days after the XXXX day of each month which is very concerning as I could be hit with late payment for payment sent on time but not processed on your end on timely basis as what happened 3-4 months ago which was later corrected after only contacting the bank of this error. This poor process also creates a huge disadvantage to the consumer with line of credit account as interest rate is calculated on daily basis and any additional day of payment not posting is an additional day of interest charged to the account by the bank. This may be illegal and is the reason I am writing this letter to preserve my rights. 

I hope these concerns and errors are addressed in a timely manner.

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 2021-09-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: VANDERBILT MORTGAGE & FINANCE, INC
State: FL

Complaint narrative:
I purchased a new mobile home in XXXX and had it financed with Vanderbilt Mortgage and Finance. For the past five years or more the mortgage company has had forced insurance coverage on the home because I could not afford the insurance at that time. The cost of the insurance premium was usually less than XXXX XXXX dollars with the premium payments divided into monthly payments and added in with my mortgage payments ; this resulted in payments of {$510.00}. 

I received a notice in XX/XX/XXXX from Vanderbilt Mortgage stating coverage had been placed on the home with a premium in the amount of {$1400.00}, and coverage of {$290000.00} on a mobile home that is only valued at less than XXXX XXXX dollars. My monthly payments increased to {$560.00} which I refused to pay because of the amount of coverage. I don't have any additions or other buildings on the property. 

I was able to purchase insurance on the home in XXXX, XXXX ; I called Vanderbilt to report that I have insurance and was told that I was three months behind in payments because the insurance premiums was taken from monthly payments causing partial and not full payments. When I tried talking to someone at Vanderbilt about the {$290000.00} in coverage I was told the company had no control over the amount of coverage. My concern is Vanderbilt Mortgage having {$290000.00} worth of coverage on a mobile home that is nineteen years old with just the home on the property. I also need to know if I need to file a complaint with the insurance commission? 

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 2021-09-17 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: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
Spoke to customer service today XX/XX/2021 to discuss Barclays decision to end the UBER VISA credit card product, which I currently have close to {$50.00} in unredeemed rewards and may be forced to lose them.

Facts : 1 ) BARCLAYS BANK has made the decision to end UBER VISA credit card product ( https : //onemileatatime.com/news/uber-credit-card-discontinued/ ) 2 ) I have earned {$50.00} in " UBER CASH '' rewards for my account ending XXXX UBER VISA CARD. 
3 ) I DO NOT ACCEPT my account being transitioned to a different credit card product that is not UBER VISA. Which BARCLAYS BANK is forcing me to do in order to obtain my {$50.00} rewards. 

Given that BARCLAYS BANK has made a decision to close/discontinue my credit card product where I have already earned rewards of {$50.00} and pending rewards for this current month. BARCLAYS BANK should NOT force me to transition to a new credit card product with subpar benefits much less than my original UBER VISA product benefits ( cashback categories, etc ). 

I do not accept the terms forced upon me by BARCLAYS BANK decision to terminate my current credit card product - or give up my rights to my earned rewards of $ XXXX - I have explicitly requested BARCLAYS BANK to " cash me out '' on my rewards and close the account at the end of the billing cycle - while moving my {$11000.00} revolving credit line to my other barclays account AAdvantage Aviator ending in 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 2021-09-17 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: AL

Complaint narrative:
XXXX is stating that I co signed with my mother on a student loan that I did not, all of her loans have been discharged or cleared based on her XXXX  and XXXX  XXXX. Therefore I should not be held responsible for any of her loans, as I've never co signed with her on any of her student loans. I have faxed in documentation as well as sent documentation to XXXX by Certified mail which they are stating they never received yet, based on the tracking information the documents were received by mail. Based on status of fax all documents were received. The account XXXX is on a letter I received on yesterday the XXXX with a loan number of XXXX as being confirmed as accurate. They were not able to locate the account number for the above loan number. I spoke with XXXX on today with XXXX and she stated that they are not showing where they received the fax or letter with all of my information DL, SSC, XXXX letter for my mother, hand written letter from my mother, and a typed letter from me. Where is my information? Problem 1, my social security card is out there with my DL information they claim they do not have, 2, the is information is incorrect, 3 it needs to be removed from my Experian credit report it isn't reporting on any of the other reporting agencies.

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 2021-09-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-17 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
my name is XXXX XXXX with SSN # : XXXX reaching out to request for you to look at my report and remove the inaccurate information that are damaging my credit. i am planning to apply for a loan so please dont make things hard for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-17 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
How can I have excellent pay history and yet such poor credit scores by only XXXX and Experian? The credit scores & remarks given by these 2 credit monitoring agencies do not accurately reflect the proper history of the credit reports. I have not had a delinquent or derogatory account and yet, both XXXX & Experian cite this as one of the reasons of my low credit score. XXXX and Experian are bound by the laws of the The Fair Credit Reporting Act to report FAIRLY and ACCURATELY which it has not done and has made no effort in making the necessary adjustments to effect this change. In fact they keep lowering my credit scores and due to their adverse reporting, this has negatively affected my credit report since creditors and lenders often go by scores and summaries put out by these credit monitoring agencies rather than scrutinize the actual details of any one credit report. ( XXXX seems to be the only one that seems to be reasonably correct and they use the same calculating module. )

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 2021-09-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: VALLEY NATIONAL BANCORP
State: NJ

Complaint narrative:
Valley bank has restricted my card. this is the 3rd time in the past 10 days that they have shut my debit card down. I believe the bank is harassing me. Because I haven't had access to my money I have been damaged.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-17 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Can't contact lender or servicer — 
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
Hello, my name is XXXX XXXX. I purchased my car from XXXX as a lease. I then refinanced with Chase Bank. I paid my car off months ago and Im struggling to obtain my title from Chase. Chase has allowed me to drive now with an unregistered vehicle and expired registration because I have yet to obtain my title. Every time I speak to a representative, which is almost on a daily for the past half a year, I continue to get different answers. Months later and I still dont have my title. The last answer I received today was : Chase is unable to find my title, which is extremely unprofessional. I have been a Chase customer for years and I am so disappointed and dissatisfied as a customer. I just need my title. That is all. I can not continue to drive with an unregistered vehicle and an expired registration for any longer. I drive on a daily basis for work. I would truly appreciate if someone can please help me regarding this situation, please! I can be reached at XXXX or via email at XXXX. Thank you so much in advance!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-17 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
my name is XXXX XXXX XXXX XXXX with SSN # : XXXX reaching out to request for you to look at my report and remove the inaccurate information that are damaging my credit. i am planning to apply for a loan so please dont make things hard for me. please delete those errors immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
On Thursday, XX/XX/XXXX, Citibank told me that they re-ran my XXXXedit score from the initial applicaiton in addition to my wife 's credit score and my wife 's credit score had decreased 15 points from a XXXX to a XXXX. As a result, we would have to pay additional points totalling. We were never told that our credit score would be re-ran nor we were never made aware of our credit scores initially, so we did not know that a XXXX was the threshold to receive the fewest points possible on our mortgage. We were just told that we had excellent credit. I escalated this with upper management who told me that nothing could be done. We're closing on Tuesday, XX/XX/XXXX, so I was not even given ample notice to potentially seek out other lenders. The total is points amounted to an additional {$2200.00} in cost. In terms of my wife 's credit, we have not done anything that could've directly impacted it outside of some charges for the new house.

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 2021-09-17 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: CA

Complaint narrative:
I have contacted Experian on two different occasion regarding the balance on my mortgage account is reporting incorrect with XXXX XXXX XXXX. I states to them that my original loan amount is XXXX and the XXXX is balloon. on my credit report it states either XXXX or XXXX depending on month. i got a payoff from mortgage and sent to them with my dispute to show. They sent me back letter verified even though I requested letter who did they verify with. 

Then this month i made payment of XXXX they have payment recorded as XXXX. And due to I made this payment they dropped my score for the period XXXX XX/XX/21 by 13 points just for making a payment. 

I have paid off my credit cards but it is unfair by paying the required mortgage my score should drop. Does that mean every month it will decrease for doing the right thing. and when i paid my credit cards off last month I only received a 1 point increase and 30 % of there scoring is utilization and balance. I don't feel my scores are being calculated correctly and not fair i should lose points for making payments

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 2021-09-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: T.S. Holdings
State: TX

Complaint narrative:
I XXXX XXXX the consumer and natural person am seeking remedy from IQ DATA INT. They are in violation of the FDCPA Laws as you can see in Exhibit A, B, and C.

They are in violation of 15 USC 1692d ( 1 ), by reporting on my consumer report and ruining my reputation. 
On XX/XX/2021 I sent IQ DATA INT a debt validation letter by certified mail ( exhibit B ) it was received and sign for on XX/XX/2021. Today is now XX/XX/2021. I have not received anything from IQ DATA INT. As you are aware, " Estoppel by Silence '' legally means that they had a duty to speak but failed to do so therefore, that must mean IQ DATA INT agrees with me that this debt is false. IQ DATA INT failed to validate a debt at my request, which is a FDCPA violation and still continued to keep reporting a disputed debt to the Consumer reporting agencies another FCRA violation.

By doing so and by reporting this debt to the Consumer reporting agencies it is causing damage to my character and that is Harassment under 15 USC 1692d ( 1 ) Pursuant to 15 USC 1692k - Civil liability, 15 USC 1692k ( a ) ( 1 ) and 15 USC 1692k ( 2 ) ( a ). I want remedy by paying the invoice included of {$2000.00} and immediate Deletion from all consumer reports for my Federally protected consumer rights. please investigate this matter and help me from further harassment. Thank you, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-17 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
XXXX a collection agency sent me a collection for Nordstrom credit card for {$10000.00}. The charges were made in 2019. I do not have a Nordstrom card to my knowledge. If there is an account there in my name then it is identity theft.

Company response to consumer: Closed with explanation