vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-07-31 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I am submitting this complaint due to the lack of investigation into my original dispute for hard inquiries that does not belong to me. I did not sign for anything. This is unfair practices by a credit reporting agency with no concern for the credit worthiness of a consumer. I have a fraud alert placed on my credit file that indicates anyone who runs my credit needs to call me and that was n't done and that violates my rights as a consumer. I have reached out to the credit bureau on more than one occasion to advise of my credit being pulled without my permission. These are the accounts that are unauthorized inquiries : 1. XXXX XXXX XX/XX/XXXX 2.XXXX XX/XX/XXXX 3. XXXX XXXX XX/XX/XXXX 4. XXXX XXXX XX/XX/XXXX 5. XXXX XXXX XXXX XXXXXX/XX/XXXX 6. XXXX XXXXXX/XX/XXXX 7. XXXX XXXX XXXX XXXX  XX/XX/XXXX 8. XXXX XXXXXX/XX/XXXX 9. XXXX XX/XX/XXXX 10.XXXX XXXXXX/XX/XXXX 11. XXXXXX/XX/XXXX 12. XXXX XX/XX/XXXX13.XXXX XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CITIBANK, N.A.
State: KY

Complaint narrative:
I have had my Best Buy Visa card for years and years. I have never been late on a payment. In fact, because I get paid only once a month, I pay 3 weeks early! For some reason, last months payment ( {$30.00} ) did not apply to the account. I started receiving calls which I thought were spam because they did not leave messages. Then one morning as I am driving to work, it is Citibank. I told them I would have to call my bank. They agreed I was always on time and noted the account. However, they have continued to call everyday, at least 3 times a day and sometimes more ( calling both my cell and my work! ). It is 7 days a week. So in the last 7 days, they have calledXX/XX/XXXX ( XXXX, XXXX, XXXX  ) ; XX/XX/XXXX ( XXXX, XXXX, XXXX ) ; XX/XX/XXXX ( XXXX, XXXX, XXXX ) ;XX/XX/XXXX ( XXXX, XXXX, XXXX ) ; XX/XX/XXXX( XXXX, XXXX, XXXX ) and started in this morning XX/XX/XXXX right at XXXX on the dot. This does NOT include the dates/times they have called my work phone. It is harassing and over {$30.00} which I am trying to track down since I made the payment through my bank. I have paid early for years and one misapplied payment has turned into harassment. This is beyond ridiculous and NOT OKAY. I ca n't imagine how they treat someone that actually has a true delinquency because this will be resolved shortly ( either the bank resends or they put money back in my account and I can forward payment on a second time ). Unbelievable and disrespectful.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-31 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: FL

Complaint narrative:
I have been waiting 4 months for this company Fedloan Servicing to process my IBR application. I faxed my original application on X/XX/17. Approximately 1 month later I received a letter in the mail stating that my application was not processed because it was incomplete. I called the customer service line and asked what was missing from the application and they stated that page 3 was missing from the application. On X/X/17 I faxed page 3 to Fedloan servicing. I called the customer service line again and asked if they received the fax. They said yes and stated they would begin processing my application. Yesterday, I received a bill in the mail in the amount of XXXX which is outrageous. I called Fedloan Servicing again and inquired about the status of my IBR application. The customer service representative informed me that my application had not been processed because I did not fax all the documents together in one fax. Since I faxed page 3 in a separate fax they would not process my application. This is ridiculous. Over the past 4 months not a single employee of this company informed me that all documents had to be included in 1 fax. Different employees will give you different stories when you call them on the phone. Multiple employees told me it was perfectly good to submit the missing 3rd page by itself. I now have another employee telling me that all documents must be faxed together. Why is it so hard to take the page 3 fax and add it to the other pages and complete my application?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC
State: PA

Complaint narrative:
Quicken Loans will not remove my PMI from my billing. I 've reached a little below 78 % LTV recently, never missed a payment for over 5 years in my home, paid ahead of schedule with my principcal, and they still say that XXXX XXXX requires a home evaluation ( at my expense! ) before they can cancel the PMI. This is outrageous that I have to waste more of my money. They say it will not be removed until XXXX 2012 ( almost another 4 years! ) unless I get a home appraisal. They say that the 78 % requirement is based on natural amortization of the loan. Additional principal payments to speed this up are not taken into consideration. This is just a barrier to make it more difficult for the home owner so that they can keep receiving the PMI.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-31 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
I opened an online account with USAA in order to open a banking product with them. Unfortunately I did not qualify for membership with them. Upon realizing this I call them and asked them to cancel that online profile. They told me since I could n't qualify for membership that the online account will be closed automatically. Well, months passed and I recently received an email from them in regard to an online agreement update. When I try to access online, the acocunt is still open. They never closed it. I call them once more and this time they stated once I create the online account it can not be deleted and my private personal information will remain on their system. I am not authorizing USAA to keep my private personal information and it is outrageous that they tell me they wo n't delete it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
In XX/XX/XXXX I charged to my CITI Double Cash card my registration fees for a racing series with the XXXX XXXX XXXX XXXX in XXXX. The series organizer tried sliding my card through an XXXX  attachment device, and received an error message. She wrote down the credit card number and re-submitted the charge the next day. This resulted in the charge being duplicated ; but I did n't realize this until about six months later, when I made an online entry disputing the second charge. Citi provided me with a temporary credit and started a protracted process to investigate the dispute. As part of this process, the investigator e-mailed the organizer, and she admitted in writing that she had indeed, involuntarily, charged twice. This e-mail exchange dates back to XX/XX/XXXX. Since then, I have received correspondence from Citi, first to let me know that my temporary credit was still temporary, and then, on XX/XX/XXXX to tell me that the dispute had been filed too late ( needed to be within 60 days of the statement ) and that they were not able to issue a refund. In my view, a processing error is an error, even when discovered 6 months later ; and given ample proof of the rror, there is no excuse not to refund.

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 2017-07-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
Hello, i had a bank of America checking account, and had deposited my payroll check, and my girlfriend 's payroll check into ATM. Bank of America did not like this for whatever reason, and seized the money for 30 days+.Bank of America then closed my account. Sent me the money. And reported to a company called XXXX XXXX that reports risk analysis to banks and determines I am too high of a risk to have an account at any bank. I 've called the company and they said call bank of America. I am no longer a bank of America customer therefore they are of no help. So I 'm stuck with no bank account for the past 5 years.

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 2017-07-31 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
I have a private student loan financed by XXXX XXXX Navient since the year of 2010 I have made many payments on time and have recently lost the cosigner my mother and asked to renegotiate terms interest monthly payment amounts. No help of any kind little info to provide on my loan and why my interest has increased over 11 % on a loan balance of XXXX. This company is terrible and whats worse is the school it funded and I attended the XXXX XXXX XXXX is closing and I ca n't get a call or email back about getting a XXXX transcript why in the XXXX should these people get anymore of my money when this for profit was a scheme for the approval of private predatory loans with a failure rate of 50 to 90 % why should we pay back what should have never been approved for in the first place.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I paid this account through a collection agency, XXXX XXXX, for {$300.00} as a settlement. My original balance was {$680.00}. Once I paid the account, Capital One updated my account on my credit report to reflect a {$300.00} payment made and still showing a {$380.00} balance. Then once they did this, my credit score dropped 80 points. I then called them again and submitted another dispute to get them to update the account. Once it updated to a XXXX balance, it dropped my credit score 50 points. so over 100 points because of an error they did with the reporting. I did my research and found that they reported the account against the XXXX XXXX guidelines that are enforced by the XXXX XXXX XXXX XXXX. Furthermore, on my credit report, they are listing the date of last payment incorrectly as well as date of last active. It is different on each credit report and this is a violation of the Fair Credit Reporting Act. I am not sure how you are able to do this and then cripple my credit score after I paid you. I attached a screen shot of the way this account is reporting so that you can see for yourself. I am sure that the CFPB can impose some type of fine or get this done for me because my calls and disputes are not working.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-31 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: FL

Complaint narrative:
I am submitting this complaint due to the lack of investigation into my original dispute for hard inquiries that does not belong to me. I did not sign for anything. This is unfair practices by a credit reporting agency with no concern for the credit worthiness of a consumer. I have a fraud alert placed on my credit file that indicates anyone who runs my credit needs to call me and that was n't done and that violates my rights as a consumer. I have reached out to the credit bureau on more than one occasion to advise of my credit being pulled without my permission. These are the accounts that are unauthorized inquiries : 1. XXXX XXXX  XX/XX/XXXX 2XXXX XXXX/XXXX/XXXX 3. XXXX XXXX/XXXX XX/XX/XXXX 4. XXXX XXXX/XXXX  XX/XX/XXXX 5. XXXX XXXX XXXX XXXX XX/XX/XXXX 6. XXXX XXXX XX/XX/XXXX 7. XXXX XXXX XXXX XXXX. XX/XX/XXXX 8.  XXXX XXXX/XXXX XX/XX/XXXX 9. XXXX XX/XX/XXXX 10.XXXX XXXX XX/XX/XXXX 11. XXXX/XXXX  XX/XX/XXXX 12. XXXX/XXXX XX/XX/XXXX 13XXXX XXXX XXXX XXXX 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 2017-07-31 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: FL

Complaint narrative:
I am submitting this complaint due to the lack of investigation into my original dispute for hard inquiries that does not belong to me. I did not sign for anything. This is unfair practices by a credit reporting agency with no concern for the credit worthiness of a consumer. I have a fraud alert placed on my credit file that indicates anyone who runs my credit needs to call me and that was n't done and that violates my rights as a consumer. I have reached out to the credit bureau on more than one occasion to advise of my credit being pulled without my permission. These are the accounts that are unauthorized inquiries : 1. XXXX XXXX  XX/XX/XXXX 2XXXX XX/XX/XXXX 3. XXXX XXXX XX/XX/XXXX 4. XXXX XXXX/XXXX  XX/XX/XXXX 5. XXXX XXXX XXXX XXXX XX/XX/XXXX 6. XXXX XXXX XX/XX/XXXX 7. XXXX XXXX XXXX  XXXX. XX/XX/XXXX 8.  XXXX XXXX/XXXX XX/XX/XXXX 9. XXXX XX/XX/XXXX10.XXXX XXXX XX/XX/XXXX 11. XXXX/XXXX  XX/XX/XXXX 12. XXXX/XXXX XX/XX/XXXX 13.XXXX XXXX XXXX XXXX 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 2017-07-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC
State: KY

Complaint narrative:
RoundPoint Mortgage company is involved in fraudulent appraisal practices. I recently requested to have my PMI removed and they denied my request because THEY claim that the value of my home has dropped by 10 % in the last 9 months even though I have 2 recent appraisals and a 3rd party website that show otherwise. The company is stating that they wo n't remove the PMI from my home because it is only worth {$350000.00}, according to THEIR appraisal. However, I purchased the home in XX/XX/XXXX ( approximately 18 months ago ) and used RoundPoint Mortgage for my loan. I had to get an appraisal done at that time, and the appraisal came back at {$390000.00} ( appraisal attached ). Then I refinanced the home to get a lower interest rate, in XX/XX/XXXX ( approximately 9 months ago ) and once again used RoundPoint Mortgage. I had to get an appraisal done at that time, and it came back at {$380000.00} ( appraisal attached ). Finally, when I go on XXXX it states that my home is worth approximately {$400000.00} ( Screenshot attached ). How is it possible that I have 2 recent appraisals ( within the last 18 months ) and a screenshot from XXXX that all support a value of approximately {$390000.00}, but their own appraisal comes in at approximately 10 % less. Does n't it seem a little odd that the 2 appraisals done that would make RoundPoint money ( purchase and refinance ) come in at {$390000.00} but the 1 appraisal that would not make them any money AND would reduce my monthly payment comes in at {$350000.00}? That seems EXTREMELY suspecious to me!

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 2017-07-31 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: Utah System of Higher Education
State: IL

Complaint narrative:
XXXX offers 0.25 % interest rate reductions if you setup direct debit. They state that one should allow 2 weeks for this application to processed. I filled out the form, mailed it in, and heard nothing for over 3 weeks. I then called to inquire what had happened. I was told that XXXX did not setup my account on direct debit for my current 3 XXXX degree loans because i had previously setup direct debit on loans i had fully repaid approximately 6 years earlier for my XXXX degree. 1 ) This does n't make any sense, and 2 ) why could n't anyone from XXXX contact me about this? A few weeks after this phone call, my first automatic payment became scheduled. Neither the payment due ( approx {$460.00} ) nor the payment scheduled ( approx {$1100.00} ) reflected the 0.25 % interest rate reduction,  so i called on X/XX/17 to inquire why. I asked why they did n't reflect the reduction and why the payment scheduled was so much larger than the payment due. I was told that the interest rate reduction would take effect the following month, after the first automatic payment, and I was also told that the larger payment was because the scheduled payments would always be for the same amount, regardless of any prepayments made. I did n't like these answers, but I accepted them. The payment was due on X/XX/17. I had a payment scheduled for X/XX/17. I checked back on X/XX/17 and found that XX/XX/XXXX canceled the scheduled payment ( approx {$1100.00} ) without my knowledge and that my account was now 3 days delinquent. I called to ask what happened and was told that direct debit always starts the month after enrollment which is 1 ) at odds with what my account previously shown and 2 ) at odds with what the other representative had told me on XX/XX/XXXX. I have had multiple issues with XXXX and their handling of my account. This is just the latest issue. I just made a manual payment on X/XX/17. I hope that this particular issue is now resolved. My goal is to bring broader awareness to XXXX 's poor quality of servicing.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I recieved a notice from Bank of America that one of my accounts was to be closed. Upon receiving the notice, I call the bank and was informed that they can not tell me any other information regarding the closure and it was done at their will.

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 2017-07-31 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I am loosing my house loan because Equifax is reporting erroneous information. I contacted Equifax about two accounts that were reporting incorrectly. The accounts were with XXXX and XXXX. The accounts were stating that I was late. XXXX reported that I was late by 30 days and XXXX said I was late twice in the last 90 days, in the incorrect credit report. They went back and reviewed the record and changed the reporting. I received letters from XXXX and XXXX stating this. I also received an email from Equifax stating this as well. Equifax stated that the dispute was verified by the lender. This is incorrect. I received a letter from each of the lenders stating the accounts were not late. AND EQUIFAX sent me an email saying that the account information was changed to " PAY AS AGREED '' and changed FROM not more than 30 days late on each account. HOWEVER, when I pull my credit report, it still show that I was late IN THE 81 MONTH HISTORY section of my credit report. So it says paid as Agreed on one side but when you expand the screen it still shows that it is late in my 81 month history with each lender and this is TAKING MY CREDIT SCORE DOWN by XXXX point and causing me to loose my house loan that I was suppose to close on. Somehow the attendants that answer the phone are restricted from seeing the online information and can only look at the same credit report that you get. This makes no sense. If the credit report is wrong, they should be able to look at the account information associated with your accounts and not just the credit report. SO if equifax offers the monitoring service, and equifax sends you an email, the attendant should be able to see all of the information and correct it. As it stands the company employees can not really offer much to help you. Both myself and the lender are reporting to Equifax that the information is incorrect and this company still will not correct my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc.
State: GA

Complaint narrative:
I have had my vehicle for 3 years and dealing with Chrysler capital has been nothing short of disastrous. Instead of processing their own payments they use XXXX XXXX which repeatedly screws up payments. I specify that the payment come out of one account and instead these people put the payment through on the wrong account resulting in me being charged hundreds of dollars of overdraft fees. To top it off they then make it so I can only pay via debit card and then charge me a fee to screw up the payments. I am so disgusted with this company that I am looking at ways to refinance my car to get away from this company but now because of their inability to process payments correctly my credit is probably going to be negatively impacted. Not to mention that they repeatedly harass my elderly father instead of calling me and are going to mess up his perfect credit.

Company response to consumer: Closed with explanation