vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-04-19 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: CITIBANK, N.A.
State: GA

Complaint narrative:
On XX/XX/XXXX I discovered that XXXXXXXX XXXX had reported a late payment to the credit bureaus. On XX/XX/XXXX I contacted them with my Authorized user ( XXXX XXXX ) on the line. We spoke to a supervisor name ( XXXX employee id XXXX ). She advised us that she did see that my account was set up on automatic debit and that she would remove the late reporting from the credit bureaus. My authorized user asked that she note the account of this for future references and she agreed. On XX/XX/XXXX Myself and my authorized user called again t o ensure that the account had been corrected and the supervisor ( XXXX ) advised that she saw the notes on the account and everything was corrected. On XX/XX/XXXX the late payments were added back to the account and now XXXX is refusing to remove them. This is adversely affecting my credit through no wrongdoing on my part.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
I upgraded to 1st class on an XXXX XXXX flight by taking out a credit card thru Citi Bank. It had two rewards : 1st XXXX $ per ticket XXXX $ in my case since there were two tickets, 2nd if you spend XXXX $ during the first three months and additional XXXX of miles on your American Advantage account I spend the XXXX. I got neither because I had the card before and closed the account within the last 24 months. Citi Bank denied both rewards ... I paid my balance minus the XXXX $ and will not pay because they owe the reward to me. I did not know about their policy, nor was it on any page on the internet. I called them and they informed me that I did not qualify because I had an account previously.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Eagle Home Mortgage, LLC
State: FL

Complaint narrative:
I am buying a new construction home with XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL ) - Per the contract we have to use their lender, Eagle Home Mortgage ( EHM ), in order to receive closing costs credit ( {$22000.00} ). 

EHM is up charging the interest rate by over 1 % which ultimately causes the buyer to finance their own closing costs by paying them back to the lender who is also the builder. This has not just happened to me! We have at least 2 other verified cases of this with other people with stellar credit being changed 1 % to 1.5 % higher than market rate. 

It is common practice for a buyer to take a higher interest rate to get a lender credit towards closing costs that they may be unable to cover BUT the contract clearly states that XXXX is covering {$22000.00} towards closing costs so WHY would a buyer need such a high interest rate if there is no lender credit? 

If I am one of 3 in one NEW community that this has happened to how many people has this happened to that aren't even aware! 

Copies of supporting documents to this claim have already been sent to various local and national news outlets.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-19 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
I APPLIED FOR A XXXX XXXX XXXX  CREDIT CARD EARLIER THIS YEAR AND WAS DENIED. THE LETTER I RECEIVED, WHICH I HAVE SINCE MISPLACED, STATED THAT THE FICO SCORE WAS THE REASON. THE SCORE WAS LISTED IN THE 400s, AND MY ACTUAL SCORE IS XXXX. I TRIED TO SPEAK WITH A SUPERVISOR AT THE NUMBER XXXX XXXX XXXX , AND XXXX WOULD NOT PUT ME THROUGH. HE TOLD ME THAT THE SUPERVISOR REFUSED TO TAKE MY CALL. ALL I NEEDED WAS THE PHONE NUMBER OF THE DEPARTMENT THAT HANDLES CREDIT APPLICATIONS. IF THE BANK IS GETTING INCORRECT INFORMATION REGARDING MY CREDIT SCORE, I NEED TO KNOW WHERE THE INFORMATION CAME FROM, BUT THEY " REFUSE TO TAKE MY CALL? '' PLEASE HELP!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-19 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: National Credit Systems,Inc.
State: NV

Complaint narrative:
This debt originated out of a tenancy with a XXXX property management company. My husband and I vacated the property due to a habitability issue. We complained in writing ( XX/XX/XXXX, XX/XX/XXXX ), gave notice to vacate in writing ( XX/XX/XXXX ), left a forwarding address ( XX/XX/XXXX ), requested our security deposit back ( XX/XX/XXXX ), everything in writing and made copies of all of this for our records. They never gave us a breakdown of what we owed or notified us that they would send it to collections. 

In XX/XX/XXXX we received demand letters from National Credit Systems ( NCS ) of a debt from our former landlord, with no breakdown or explanation of the debt, only an amount total, and language stating NCS reported the debt to all 3 credit bureaus. The letter also threatened garnishment, liens, and or seizure and auction of personal property. We responded in writing that we denied owing the debt ( XX/XX/XXXX ). We contacted our former landlords in writing at the same time, and again received no response. NCS eventually sent us a breakdown of the fees but would not talk to us about disputing the debt at all. We received demands from an attorney in Georgia, XXXX XXXX XXXX, and also responded to them denying the debt in writing. We then contacted XXXX to begin disputing the reporting of a debt. 

This year ( XX/XX/XXXX ), my husband called NCS ( phone call on XX/XX/XXXX to the number XXXX extension XXXX ) to  dispute the debt and a XXXX XXXX told him that he was NCS 's lawyer and tried to pressure him into paying the entire amount. He asked questions such as, " Did you even leave a forwarding address? '' and " Did you ever ask for your security deposit back? '' When Mr. XXXX began reading through the documents we sent them he could see that we did request our security deposit back and did leave a forwarding address. I mention this because it was clear he had not read the documents we sent NCS. After answering his own questions, he announced " this is going nowhere '' and hung up on my husband. I looked his name up on the Georgia State Bar website and got back no information. We do not trust that this person is a lawyer, especially when a different lawyer contacted us regarding the debt, and we are not comfortable talking to someone like that in negotiation or discussion of any alleged debt when he uses harassing tactics. We are not sure if we should proceed by calling NCS again or the attorney, nor are we sure that by talking to either of them we will get anywhere.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-19 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Marlette Funding, LLC
State: NY

Complaint narrative:
On XX/XX/XXXX, I received a loan of {$15000.00} from XXXX XXXX. The loan payments were drawn from my check account, {$480.00} every month. 
On XX/XX/XXXX, I paid off the full balance of the loan. However, the next day, {$480.00} was withdrawn from my checking account. 
I have contacted XXXX XXXXXXXX about 25 times since then, asking them to refund the {$480.00} overpayment. 
In each instance, XXXX XXXX has taken my information and promised to resolve the issue. Yet here we are, almost a year later, and they have not yet repaid me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-19 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: MI

Complaint narrative:
There was a XXXX card opened in XX/XX/XXXX in the amount of {$2000.00} which now carries a {$2500.00} balance that does not belong to me. 
Also, theres an account with XXXX that does not belong to me opened in XX/XX/XXXX in the amount of {$4000.00} that looks like an Installment loan. Not only is it not my account but its too old to be reporting to my bureau after 12 whole years already. Theres an account with XXXX XXXX XXXX XXXX for {$66.00} thats fraudulent as well. None of these are my accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: FL

Complaint narrative:
Company name - Loancare My Email to Loancare ( XX/XX/XXXX ) - NO RESPONSE FROM THE COMPANY AFTER SEVERAL ATTEMPTS Please see below. I believe I have an issue with multiple payments made towards Mortgage Insurance. 
You can see on the ledger below that three payments were made in XX/XX/XXXX, one for {$220.00} on XX/XX/XXXX, and one for {$450.00} ( a double payment ) on XX/XX/XXXX. 
At that time, I spoke to our loan servicer ( XXXX XXXX ) and they assured me that the double payment made in mid XXXX would be noted and applied correctly ( applied to XXXX and XXXX of XXXX ) and at that time, we had a credit with the mortgage insurance provider. 

I now see that Loancare made an additional payment on XX/XX/XXXX ( applied XX/XX/XXXX ) for {$220.00} towards our mortgage insurance. I am confused as to why a payment would be made when we were told we had a credit through XXXX on the account. 
Please confirm and advise how this will be reconciled. 
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 2019-04-19 00:00:00
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: FL

Complaint narrative:
Original mortgage lender sold debt to new lender. Both failed to notify me of the new information. I had set up automatic payment with the old lender, hence my account was never late. The new lender then proceeded to report the account late to the Credit Bureaus. That is how I found out about the location to send payments. I immediately paid the accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-19 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: The Outsource Group, Inc
State: NM

Complaint narrative:
When I originally called to set up payment arrangements on this account I was told as long as I set up an arrangement by XX/XX/XXXX or XX/XX/XXXX..i cant remember, this would not go on my credit. I had spoken to an XXXX. I called today to make my payment and I asked again about my credit and they told me it would go on my credit XX/XX/19 if I did not set up automatic payments. This IS NOT what I was told. If I would not have asked, it would have gone on my credit without my knowledge. I feel this unethical and I want every phone call pulled when I called in and listened to so you can see that they are less than truthful. No one told me this would go on my credit. I get a statement every month and no where on it does it say if i do not set up automatic payments, that it will go on my credit. They told me it would not. I set up to payment arrangement for {$200.00} a month and that is what I have done. Last month I paid my payment on XX/XX/19 and they called me XX/XX/19 and asked for the balance in full? They are unethical and harassing me and this could cause me great harm if it is reported to the CRA 'S. I do not have a problem setting this up automatically but no one told me until I asked today that if I did not it would effect my credit. I am wondering how many other people that this has happened to?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-19 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
An individual named XXXX XXXX contacted me and advised that he was with XXXX  and was trying to " mediate '' an amount of {$400.00} ( or something similar ). The number was from XXXX. Mr. XXXX refused to provide any additional information about the name of the company, but did advise that the company was located in XXXX. Mr. XXXX did not use the term " debt '', but listed out a series of companies on who's behalf he was calling. He refused to provide any information and threatened to escalate the matter for fraud to court or judgment.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-19 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: MI

Complaint narrative:
There was a XXXX card opened in XX/XX/XXXX in the amount of {$2000.00} which now carries a {$2500.00} balance that does not belong to me. 
Also, theres an account with XXXX that does not belong to me opened in XX/XX/XXXX in the amount of {$4000.00} that looks like an Installment loan. Not only is it not my account but its too old to be reporting to my bureau after 12 whole years already. Theres an account with US adept of Ed for {$66.00} thats fraudulent as well. None of these are my accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
There was a XXXX card opened in XX/XX/XXXX in the amount of {$2000.00} which now carries a {$2500.00} balance that does not belong to me. 
Also, theres an account with XXXX that does not belong to me opened in XX/XX/XXXX in the amount of {$4000.00} that looks like an Installment loan. Not only is it not my account but its too old to be reporting to my bureau after 12 whole years already. Theres an account with XXXX XXXX XXXX XXXX for {$66.00} thats fraudulent as well. None of these are my accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-19 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: ME

Complaint narrative:
My credit card company sent remarks to the credit bureaus regarding a disputed charge on my account. The dispute was resolved by me with the vendor prior to the credit card company taking any action. However, for reasons no one can explain ( the credit bureaus or my credit card company ) my FICO score went down significantly due to the remark. Upon questioning the remark with my credit card company I was assured that my credit history with them was excellent and that the remark should not have taken down my credit scores. They said they were going to dispute the remark with the credit bureaus. When the credit bureaus received the dispute my scores went down again. Of course once again no one can give me a straight answer. To say the FICO system is broken is an extreme under statement and I resent being a victim of ineptitude.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: PNC Bank N.A.
State: KY

Complaint narrative:
I was charged 2 overdraft fees in the amount of $ XXXX/fee by their manipulation post dates on my direct deposits and charges.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-04-19 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: Real Time Group, Inc.
State: CA

Complaint narrative:
InXX/XX/XXXX, I had a 1st and 2nd mortgage on my home with XXXX, which both were later transferred to XXXX XXXX XXXX ( XXXX ). Subsequently, I defaulted on both loans. In XX/XX/XXXX, XXXX modified my first and forgave about 50 % of the principal. However, the 2nd was transferred to Real Time Resolutions ( RTR ). 

I never made a single payment to RTR and the second mortgage eventually fell off my credit report after about 7 years. The initial amount that I defaulted on was {$56000.00}. 

Recently, I tried to refinance my home and I came to find out that there was still an outstanding lien on my property for the 2nd mortgage. RTR was contacted and they claimed the pay-off amount was over {$83000.00}.

The statute for RTR to foreclose on my home has already passed and basically they are holding my property hostage. I also believe they are trying to collect on a debt that should have been settled initially by XXXX, since XXXX modified the first mortgage. 

I tried contacting RTR to reach a settlement, but they do not respond to my emails.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
Back in XXXX I got an FHA loan on my home. I put the required amount down ( 10 % ), and was told that the PMI insurance ( mortgage default insurance ) would come off after 5 years. This wasn't the case as I am still charged PMI now in XXXX. 

By law, FHA loans before XXXX can have the PMI canceled after 5 years, or have 22 % equity in the property with no missed payments. In XXXX the banking industry got a law passed to make PMI insurance ( an income product they sell to investors and get paid to service the payments ) mandatory for the life of the loan. Since mine was on the books before XXXX, the PMI for life of the loan rule does not apply. 

I purchased my home for approximately $ 142K. Due to improved local real estate conditions, and several major home improvements my house was conservatively valued well over $ 200K+ ( by a local real estate agent and their team ). This market equity meets the legal guidelines for PMI removal, and since I have never missed a single payment in 10 years I should not have to pay PMI payments each month. 

Here is the complaint : 1. My mortgage issuer ( Wells Fargo ) is not using market value ( $ 200K+ ) they are using the loan value listed on my amortization schedule, which is based off the original purchase price. They choose to not use the market/sale value to calculate LTV. Instead, they use the loan balance divided by the original value of the home as their " loan to value. '' 2. This odd calculation was never shared with us before we got the loan. Or that fact, we would need to pay PMI for 20 years on a 30 year loan. This is unfair for other reason as well. If I defaulted, and they sold my home they would make a healthy profit ( easily double their loan principal ). My credit score is over 800, and I have never missed a payment. Paying mortgage default insurance is a waste of my money. 

3. Since they recommended that I get an FHA " so I only had to put 10 % down '' I feel even more abused, as I could have put down more and just got a conventional loan instead ( without PMI ). 

4. This is also a devious way for them to force me to refinance. They say I need a market value appraisal to remove the PMI. They will order it and I will pay for, then they can refinance me into a conventional mortgage without PMI. The evil in this, is the appraisal and refinance charges are more than the PMI payments I have " left to make. '' Plus, the rate on the new loan they offer is identical to the FHA one. 

5. Those monthly PMI payments could be dedicated to 1.5 months mortgage payments ( an extra payment each year ) and if applied directly to the principal it would have reduced the interest paid. 

Can you help me get the PMI removed?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-19 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: GA

Complaint narrative:
The company was made aware that the inquiries were not authorized by me and sent the preliminary police report and they have failed to remove them.

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