vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-04-14 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: HEARTLAND PAYMENT SYSTEMS INC
State: CA

Complaint narrative:
I have an institutional loan for which servicing recently was moved from XXXX to XXXX XXXX. XXXX XXXXI has presented erroneous information on the amount due. Under the heading Amount Due, it lists an INCORRECT dollar amount. An asterisk appears, with the footnote reading " Due to possible accrued interest, the Amount Due shown is estimated for Quarterly, Semi-Annual, and Annual repayment schedules. To view your actual amount due, go to Billing & Payments to view your billing statements. Actual payment amounts due will also be displayed when making an online payment. '' However, there are no data on the Billing & Payments link. What's more, there are no billing statements to view. Nowhere on my online account does it indicate what the correct amount due is. So, how am I supposed to pay my loan without defaulting?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-14 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: MI

Complaint narrative:
I have tried to resolve this with Transunion on numerous occasions through their own dispute process. I only received " canned '' responses that an inquiry is a factual record of of a company pulling my credit.This is to notify you that I contacted the following inquiry creditors and they responded that the inquires SHOULD BE REMOVED. XXXX XXXX has even stated they have submitted disputes to Transunion on two separate occasions. I have attached the letters as proof. If these UNAUTHORIZED inquires are not removed immediately my next step will be filing suit for monetary damages. Transunion is in direct violation of the FCRA. Remove inquires : XXXX XXXX XX/XX/XXXX and XXXX XXXX XXXX  XX/XX/XXXX IMMEDIATELY. Do not tell me it will take 30-60 days because I know it does not take that long. I expect it done upon receipt of this complaint. If you respond that they are a " factual record '' I will file suit immediately. I have already contacted a consumer protection lawyer.

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 2018-04-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
This is a separate complaint regarding the same credit card for which I submitted a complaint ( # XXXX ) back on XX/XX/XXXX. Citicard called me back within one week and resolved the issue, so I decided to keep the card. 

I just tried using it today, XX/XX/XXXX, but it was declined. I called to find out why, and they informed me that my card account had been closed at my request on XX/XX/XXXX. I did not request my card to be closed subsequent to the account rep calling me to resolve the issue, which was several days prior to XX/XX/XXXX. 

Nor had I contacted the company since XX/XX/XXXX when I tried to activated my card, but then was told that I couldn't, which was what spurred my initial complaint. 

I am submitting a complaint because they could not re-open my account without me having to run through the entire account opening process again, including running credit checks and issuing me new cards, which would take over a week. This level of incompetence is ridiculous. I can not believe how difficult it has been to open a card account. And then only after I made a complaint to the CFPB, did they try in earnest to resolve the issue. And I even gave them a second chance to use their card, only to be told that my account was closed, and furthermore, if I want to continue using their card, I have to go through the account opening process again. 

I am shocked and disappointed that the regulators allow a company with this level of incompetence, disorganization, lack of communication within their organization, and most of all inability to simply open a basic credit card account to operate and offer such products to individuals, many of whom lack the knowledge of how card companies should operate unlike myself who used to work at one.

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 2018-04-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP
State: FL

Complaint narrative:
On XX/XX/XXXX I sent a letter to XXXX XXXX XXXX  PMI Department. In the letter was a request for PMI to be removed from our current Mortgage, a check for {$450.00} for an appraisal and document review, and a list of all upgrades done to the house. 


OnXX/XX/XXXX US Bank received the finalized appraisal from the individual they hired, XXXX XXXX. The report showed that our house had appraised at {$130000.00} and the original value at the time of purchase XXXX XX/XX/XXXX was {$110000.00}. On XX/XX/XXXX we owed XXXX XXXX XXXX   {$100000.00}. 


On XX/XX/XXXX US Bank denied the request to remove PMI and highlighted their Investor Relations Guidelines for PMI Removal. Since we owned the house for less than 5 years the US Bank guideline to remove PMI is that our XXXX on our loan must be 75 % or less. With this appraisal, our XXXX was 76.3 %. 


After I inquired about the guideline not matching with normal PMI guidelines ( LTCV 80 % or less ) I had my lawyer inquire on the issue as our closing documents do not state we must own 25 % of the home to have PMI removed. 


onXX/XX/XXXX, XXXX XXXX, Customer Advocacy Specialist from XXXX XXXX XXXX   responded to my Lawers inquiry restating the Shareholder Guidelines for PMI removal. XXXX also stated in the letter that if we bring the principal balanced owed to US Bank under {$100000.00} by XX/XX/XXXX the PMI would be removed. 


Prior to receiving the letter response from XXXX, on XX/XX/XXXX I sent a letter to XXXX XXXX XXXX PMI Department with a check enclosed for {$1900.00} ; in the letter I stated that this check is to be applied to principal and should only be cashed if this removes the PMI from our next mortgage. The check was cashed on XX/XX/XXXX 


On XX/XX/XXXX I contacted XXXX XXXX XXXX PMI Department and spoke to XXXX who reviewed the case and stated the PMI removal was denied as the shareholder Guidelines were updated within the last month which would now disqualify us from PMI removal. However, US Bank confirmed they had not sent the new guidelines out to its clients, and we began this process in XXXX and completed the process prior to the JXX/XX/XXXX deadline.

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 2018-04-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
Debt shows in my credit report and this is incorrect

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-15 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: SC

Complaint narrative:
You didn't have a option for me to select. XXXX XXXX XXXX  is reporting an old debt monthly as if the account is active or still open. The debt has been closed. I have the fact that they can pit whatever on my report monthly. Who gives them the authority to do This? Is reported m monthly on my XXXX and XXXX accounts. Those accounts are closed and should not be reported every month saying I'm late.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
XX/XX/2018 Transunion.com {$19.00} Went into TU website to check credit report. 
Went through steps in providing personal information. 
Then was asked to enter credit card # and security code. 
Did not see any disclosure on whether my card would be charged. 
Learned after calling customer service that {$19.00} was charged on card. 
And that I had enrolled in monthly monitoring service with {$19.00} monthly fee. 
Cancelled service immediately. 

Very deceptive process I just went through.

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 2018-04-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: Navient Solutions, LLC.
State: UT

Complaint narrative:
Navient has reported 39 late payments on my account I believe for XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I  only have one payment a month I disputed the error XXXX XXXX XXXX XXXX they say it's accurate that's false I called navient to let them no I was XXXX last year lost my apartment due to a surgey which put me out of work there for I couldn't pay I never received any income driven repayment plan and the only way of contact I had was email from access at public library which they say they sent to an email that been deactivated since college. Also I requested copy of master promissory note and told them I do not give them permission to share my private information with private entities such as the credit bureaus which our in the business only to collect and sell private information. There mess up dropped my credit score by XXXX points. Stopped me from being able to do anything I wanted to do. Can't buy a home a car can't even get a secured credit card from my bank to build my credit further.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: CITIBANK, N.A.
State: AL

Complaint narrative:
I found out on the CFPB website there was a lawsuit against or CFPB ordered Citi-mortgage and citibank to pay XXXX XXXX dollars to home owners that pursued modification from citi-mortgage which I did for 2 years and continued to be denied. Therefore I lost my home to forclosure from Citimortgage of XX/XX/2017 and we were forced to seek rental property that was hard to find. I called citimortgage to find out about the order and they were aware of the XXXX XXXX dollar order but they wouldnot give me the information so I can claim my potion of the lawsuit. 

My wife and I lost our home which we lived in for 10 years because no matter what documents we sent to Citi-mortgage they wouldnot give us a loan modification. 

So please help us find the correct Citi-mortgage department so we can claim out portion of the XXXX XXXX dollar lawsuit

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 2018-04-15 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC
State: VA

Complaint narrative:
On XX/XX/XXXX I received a phone call from a male asking me for my date of birth to confirm a debt a I owed. I told him I do not give out personal information like that to a random person I don't know over the phone. He then stated he was from transworld systems collecting for a {$380.00} debt for XXXX XXXX hospital. I relayed to him that I've paid all bills I've ever owed. He said the outstanding invoice did not include an apartment number and an incomplete mailing address for me, which is why I never received the bill. I gave him the correct address to mail me the bill and any correspondence related to what he claimed I owed. As of XX/XX/XXXX, I still have not received anything in the mail. 

Upon obtaining a copy of my credit report, I saw that transworld negatively marked it up multiple times prior to XX/XX/XXXX. I went to their website to try to contact them or call, but the website contains no phone numbers or means of contacting them to request again the information they are trying to bill me for.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-15 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: Koster's Cash Loans
State: NV

Complaint narrative:
I went in to Koster Cash Loans located at XXXX XXXX XXXX XXXX in XXXX XXXX at approximately XXXX XXXX on XX/XX/18. The representative called me earlier this morning to inform me I was welcome to apply for the loan. I decided to stop by to see what I qualified for. I was introduced with two forms to fill out - one application and one authorization to run credit/other reporting. I filled out the application first. The representative then said she had my social security number and was running information. I found this strange since I hadnt filled out the authorization to run my information yet and told the representative she didnt ask me before running it. She tells me I have issues on my XXXX report that shows a charged-off debt to XXXX XXXX. I informed her I wanted to dispute this and need any documentation she has. She told me, Well, this is what I have. I let her know again I didnt give her authorization to pull anything ( I didnt finish filling out the form yet ). She refused to provide me documentation I am entitled to with my personal information on it. I let her know she cant legally pull my information without my permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: IN

Complaint narrative:
I owed a debt in the amount of {$32000.00} for an installment loan entered into by contract on XX/XX/2016. The loan was subsequently charged off. XXXX XXXX XXXX purchased the debt, which was recently posted to my credit report through XXXX XXXX. Prior to the posting, I was contacted by a collection agency regarding the debt. As a judgment regarding said debt had not been obtained against me in a court of law, I requested validaion. The debt collector could not provide me with a signed contract or any proof that I owed the debt. Subsequently, XXXX. XXXX, wrongfully and in reckless disregard of the facts, added a collection account to my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-15 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: OH

Complaint narrative:
I have disputed the accuracy of my credit report to Transunion, XXXX, and XXXX on XX/XX/XXXX again XX/XX/XXXX And again on XX/XX/XXXX. There are reports of 2 bankruptcies and a collection from a company named portfolio recovery, that are not reported accurately and are not mine. Each time I disputed these items the credit reporting agencies said they were verified, I requested them to send me proof of signature or account numbers to verify the validity of these accounts being mine and their response was they do not have to send me proof that they verify item through automated service. I told them I do not consent to XXXX   or any other automated service because that is not proof of validity. This has caused a serious threat to my credit and livelyhood. I contacted the U.S. bankruptcy court and they said they do not verify anything to the credit bureaus. It is a violation under the fair credit reporting act to put derogatory marks on my credit report without verifying that information. I have made several attempts to rectify this situation. After filing this complaint pending outcome I will file a small claims suit against these 3 credit reporting agencies for defamation, negligent enablement of identity fraud and violations of the fair credit reporting act.

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 2018-04-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Receivables Management Partners, LLC
State: MI

Complaint narrative:
I previously disputed this company as their livense was not valid in the state of Michigan. They just renewed their license. As a result of me disputing and filing a previous CFPB complaint they have now loaded a duplicate of the same collection that was not validated previously. This seems like a retaliation attempt of some sort. My previous complaint to the CFPB comments are below. Not if these accounts need to be deleted for failure to validate and verify, and for the duplicate request as retaliation. 

I have an existing account of my credit bureau file from XXXX XXXX XXXX. The account number is XXXX Please be advised that I am disputing this collection account due to the fact that XXXX XXXX XXXX does not have a valid license to collect in the state of Michigan.the image I am attaching shows their license is closed meaning not active according to XXXX- Michigans department of licensing and regulatory affairs. I am requesting that this be investigated and this account be deleted from my credit profile immediately or provide physical proof XXXX XXXX XXXX is licensed to collect in the state of Michigan.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-15 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: NY

Complaint narrative:
In a previous dispute by mail with Experian submited in XX/XX/XXXX, their reply was they will not re-investigate any request until i provide information to conduct future investigation which I did again in XX/XX/XXXX notarized letter and certified mail. I sent proof of innacurate information from the same source compared with the other 2 bureaus After completed the inevstigation their results are updating accounts with same innacurate information causing damage to my credit report for posting false information in a clear violation to the FCRA providing innacurate and false information. 
Also asking to Experian to open their files to compare with my records and they never sent me anything or even a contract betwen me and the creditor accounts under investigation or dispute.

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 2018-04-15 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: NV

Complaint narrative:
I went in to XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX in XXXX XXXX at approximately XXXX XXXX on XX/XX/18. The representative called me earlier this morning to inform me I was welcome to apply for the loan. I decided to stop by to see what I qualified for. I was introduced with two forms to fill out - one application and one authorization to run credit/other reporting. I filled out the application first. The representative then said she had my social security number and was running information. I found this strange since I hadnt filled out the authorization to run my information yet and told the representative she didnt ask me before running it. She tells me I have issues on my XXXX report that shows a charged-off debt to XXXX XXXX. I informed her I wanted to dispute this and need any documentation she has. She told me, Well, this is what I have. I let her know again I didnt give her authorization to pull anything ( I didnt finish filling out the form yet ). She refused to provide me documentation I am entitled to with my personal information on it. I let her know she cant legally pull my information without my permission.

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 2018-04-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I previously disputed this company as their livense was not valid in the state of Michigan. They just renewed their license. As a result of me disputing and filing a previous CFPB complaint they have now loaded a duplicate of the same collection that was not validated previously. This seems like a retaliation attempt of some sort. My previous complaint to the CFPB comments are below. Not if these accounts need to be deleted for failure to validate and verify, and for the duplicate request as retaliation. 

I have an existing account of my credit bureau file from XXXX XXXX XXXX. The account number is XXXX Please be advised that I am disputing this collection account due to the fact that XXXX XXXX XXXX does not have a valid license to collect in the state of Michigan.the image I am attaching shows their license is closed meaning not active according to LARA- Michigans department of licensing and regulatory affairs. I am requesting that this be investigated and this account be deleted from my credit profile immediately or provide physical proof XXXX XXXX XXXX is licensed to collect in the state of Michigan.

Company response to consumer: Closed with explanation