vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-02-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: HOME FINANCING CENTER
State: FL

Complaint narrative:
I have requested for the removal of my property mortgage insurance ( PMI ) from my mortgage ( lender ) for the past three years. I have put the request in writing both in email form as well as mailing a certified letter with confirmation signature of receiving. My first request dating back to XX/XX/XXXX and the latest on XXXX XXXX. 
On XX/XX/XXXX I was advised by customer service to submit the request to supervisor XXXX XXXX, and to include her manager XXXX. I received a follow up email from XXXX stating " The MIP will automatically be terminated by HUD. We have attached the document & highlighted the termination date. Have a beautiful day ''. 
I tried calling XXXX to discuss her email and instead I received a follow up email stating " Please see the attached Servicing Disclosure Statement wherein it states that we may assign, sell or transfer the servicing of your loan. I have also attached a copy of the XXXX XXXX requirement wherein the MIP Insurance must remain on each individual loan. As we have stated previously the MIP will be automatically terminated and there is nothing further we can do at this time ''. 
My loan is a FHA 30 year loan. Not only does the information XXXX has sent does not apply to my request or mortgage closing disclosure documents, the attachment XXXX sent is a falsified signature document dating back three months before the closing date. According to my mortgage contract signed on XX/XX/XXXX is as follows ; FHA LOAN 30 year If mortgage was Originated prior to XX/XX/XXXX 1. The loan has to reach 78 % loan-to-value from the last known value of the home and not its current appraised value. ( The " last known value '' is the value of the home at the date of purchase ; the last time the home was FHA-appraised. ) 2. Annual MIP has been paid for at least 60 months. 

My closing date was on XX/XX/XXXX, and as per my closing documents I can request for removal of PMI once 5 years and/or 80 % LTV. All payments have been made in a timely ( never late ) as well as additional funds towards principal have been made, thus bringing the LTV below 77 %. Again, I have been requesting the removal of the PMI from mortgage and have been given run around. I have left messages for XXXX and XXXX to call me regarding matter but have been ignored.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-15 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: AMERICAN EXPRESS COMPANY
State: AL

Complaint narrative:
Hello I have an American Express serve prepaid card account & haven't had any problems until today XX/XX/2020 there is an unauthorized charge of {$49.00} on my account which was my bill money to pay a bill due on this same day & it is impossible to get I touch with anyone to get help with this problem that is really about to cause me unnecessary issues & late charges due to utter incompetence, I have tried contacting for help & nothing at all I need something done about this immediately thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-15 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: MoneyLion Inc.
State: NC

Complaint narrative:
On XX/XX/XXXX I took out a credit builder loan account with MoneyLion. I made good on time payments each month and paid it off in full early on XX/XX/XXXX. XXXX  and XXXX  had reported the loan as closed and paid in full. XXXX  had failed to update my report to reflect that as well. 

On XX/XX/XXXX I took out a new credit builder loan with MoneyLion. MoneyLion had updated my credit report showing the new loan. The problem is, they had used the old paid off account and updated it with the new information from this new account. Essentially taking away my good account from my report and inputting a high balance like there was no payments made. 

MoneyLion should had left the old account shown as closed and paid in full. MoneyLion should had reported a brand new account with the new information. These are two different loans with two different account numbers.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information that should be on the report is missing
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I HAVE INFORMATION ON MY CREDIT REPORTS THAT ARE INACCURATE SUCH AS MY NAME AND ADDRESSES AND MEDICAL BILLS WHICH ARE ILLEGAL TO BE ON MY REPORT I ASK FOR THESE TO BE REMOVED IT PREVENTS ME FROM GETTING PROPER HOUSING JOBS ETC. 
MEDICAL BILLS LISTED ON REPORT XXXX # XXXX XXXX # XXXX XXXX XXXX XXXX XXXX ACCOUNTS UNDER XXXX # XXXX , {$28.00}, {$76.00}, {$240.00}, {$51.00}, {$38.00}, {$37.00} XXXX   XXXX  # XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX Addresses listed inaccurate XXXX XXXX, XXXX, XXXX XXXX XXXX  XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX, XXXX, OHXXXX XXXX XXXX XXXX , XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX CT, XXXX, OH XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, ( XXXX ) XXXX ( XXXX ) XXXX Unknown INQUIRIES TRANSUNIONXXXX, CAXXXX ( XXXX ) XXXXRequestedOn:XX/XX/XXXXXXXX, VAXXXX ( XXXX ) XXXXRequestedOn:XX/XX/XXXXXXXX, ILXXXX ( XXXX ) XXXXRequestedOn:XX/XX/XXXXXXXXviaTRANSUNIONXXXX, CAXXXX ( XXXX ) XXXXRequestedOn:XX/XX/XXXXTRANSUNIONXXXX, CAXXXX ( XXXX  ) XXXX-XXXXRequestedOn:XX/XX/XXXXXXXX, OKXXXX ( XXXX ) XXXXXXXXRequestedOn:XX/XX/XXXX,XX/XX/XXXXXXXXviaXXXXTRANSUNIONXXXX, CAXXXX ( XXXX  ) XXXX-XXXXRequestedOn:XX/XX/XXXXXXXXviaXXXX, WIXXXX  ( XXXX  ) XXXX-XXXXRequestedOn:XX/XX/XXXXXXXXviaXXXX, NDXXXX ( XXXX  ) XXXX-XXXXRequestedOn:XX/XX/XXXXXXXXviaXXXX, OKXXXX ( XXXX ) XXXX-XXXXRequestedOn:XX/XX/XXXXXXXXviaXXXX, GAXXXX ( XXXX  ) XXXX-XXXXRequestedOn:XX/XX/XXXXXXXX, CAXXXX   ( XXXX  ) XXXX-XXXXRequestedOn:XX/XX/XXXXXXXX, FLXXXX ( XXXX  ) XXXX-XXXXXXXXviaXXXX, UTXXXX  ( XXXX ) XXXX-XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-15 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Franklin Collection Service, Inc.
State: MS

Complaint narrative:
Things that are fraudulently list many different ways on each credit report. This Franklin is list numerous of ways on my credit and has been removed only from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
Equifax, XXXX, and XXXX are reporting incorrect information on my credit report in my personal profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
On XX/XX/XXXX I took out a credit builder loan account with XXXX. I made good on time payments each month and paid it off in full early on XX/XX/XXXX. TransUnion and XXXX  had reported the loan as closed and paid in full. XXXX  had failed to update my report to reflect that as well. 

On XX/XX/XXXX I took out a new credit builder loan with XXXX. XXXX had updated my credit report showing the new loan. The problem is, they had used the old paid off account and updated it with the new information from this new account. Essentially taking away my good account from my report and inputting a high balance like there was no payments made. 

XXXX should had left the old account shown as closed and paid in full. XXXX should had reported a brand new account with the new information. These are two different loans with two different account numbers.

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 2020-02-15 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: EQUIFAX, INC.
State: NC

Complaint narrative:
On XX/XX/XXXX I took out a credit builder loan account with XXXX. I made good on time payments each month and paid it off in full early on XX/XX/XXXX. XXXX and Equifax had reported the loan as closed and paid in full. XXXX had failed to update my report to reflect that as well. 

On XX/XX/XXXX I took out a new credit builder loan with XXXX. XXXX had updated my credit report showing the new loan. The problem is, they had used the old paid off account and updated it with the new information from this new account. Essentially taking away my good account from my report and inputting a high balance like there was no payments made. 

XXXX should had left the old account shown as closed and paid in full. XXXX should had reported a brand new account with the new information. These are two different loans with two different account numbers.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-15 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: NC

Complaint narrative:
On XX/XX/XXXX I took out a credit builder loan account with XXXX. I made good on time payments each month and paid it off in full early on XX/XX/XXXX. XXXX  and XXXX had reported the loan as closed and paid in full. Experian had failed to update my report to reflect that as well. 

On XX/XX/XXXX I took out a new credit builder loan with XXXX. XXXX had updated my credit report showing the new loan. The problem is, they had used the old paid off account and updated it with the new information from this new account. Essentially taking away my good account from my report and inputting a high balance like there was no payments made. 

XXXX should had left the old account shown as closed and paid in full. XXXX should had reported a brand new account with the new information. These are two different loans with two different account numbers.

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 2020-02-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Never lived in address XXXX XXXX XXXX in XXXX XXXX CT ID # XXXX and ID # XXXX. 
last four of my social security is not XXXX. 
Never hold a name of 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 non-monetary relief
Consumer complaint received 2020-02-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
BofA agent provided wrong info on late fee.

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 2020-02-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
XXXX, XXXX, and Transunion are reporting incorrect information on my credit report in my personal profile.

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 2020-02-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
XXXX, Experian, and XXXX are reporting incorrect information on my credit report in my personal profile.

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 2020-02-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: LEXISNEXIS
State: KY

Complaint narrative:
A lender brought it to my attention that this company has me attached to two socials or more than one social. They did not specify. They did say that this is common with identity theft and that files are known to merge when someone is using your info. I am a victim of identity theft and first became aware XXXX of 2017.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
Transunion has not updated my current balance owed on my account.

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 2020-02-15 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 am submitting a formal complaint because I have " Hard Inquiries '' on my credit report regarding a credit card which I did not apply for, and I can not seem to get anything settled with the company on my own. I came across an inaccuracy on my credit report and as advised I submitted a dispute via XXXX XXXX. Upon receiving word back from XXXX XXXX they stated that " XXXX XXXX XXXX XXXX/XXXX '' are claiming the information they reported to be accurate. I then contacted the creditor through telephone.. they claim that they do not have any accounts open in my name, closed in my name, and they can not find any credit application within their systems. They claim that they do not have my name or social security number in their files, but they sure did make a negative impact on my credit scores. I do not know exactly how it happened, but I do know that I never authorized or gave any sort of consent to the creditor ( s ) " XXXX XXXX XXXX XXXX/XXXX  ''.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-15 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: BlueChip Financial
State: TX

Complaint narrative:
To whom this may concern, The following companies currently, or at a point in time were either, opened accounts, accounts that were inquired about, or either locked accounts with too many failed log in attempts. Over the course of the years I have tried everything to get my identity theft issue resolved. I have set up security locks with all 3 credit bureaus, hired a credit repair agent to remove fraudulently opened accounts, reached out to each creditor directly to provide supporting documentation in regards to proving my identity. Majority of the fraudulent accounts were completely removed except for Spotloan, which is now showing a balance of {$830.00} on all credit bureaus, XXXX XXXX, XXXX XXXX, and XXXX which are charge offs now. I will be filing a police report, and reporting to the Fair Trade Commissions website. I will provide a list of the following companies involved ; XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX   XXXX, XXXX, XXXX, XXXX, and XXXX.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-15 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Patenaude & Felix A Professional Corporation
State: CA

Complaint narrative:
This debt collector contacted me claiming a false debt that does not belong to me. I sent them a cease and desist letter. They violated the cease and desist letter and continued to contact me without any regard of the law. They then sued me without serving me and are attempting to obtain a default judgement in a deceptive manner since I was not notified of the lawsuit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-15 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Oliver Adjustment Co.
State: WI

Complaint narrative:
I have a debt on my XXXX XXXX the original creditor is XXXX XXXX XXXX Now its Oac from XX/XX/2017 the amount is {$280.00} its 2 years and 4 months old

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 2020-02-15 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AmeriCollect
State: WI

Complaint narrative:
The original creditor is XXXX XXXX XXXX Now it Americollect the date was XX/XX/2018 1 year and 8 months ago I had no idea it was in collections

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-15 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
This debt collector contacted me claiming a false debt that does not belong to me. I sent them a cease and desist letter. They violated the cease and desist letter and continued to contact me without any regard of the law. They then sued me without serving me and are attempting to obtain a default judgement in a deceptive manner since I was not notified of the lawsuit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-15 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: TD BANK US HOLDING COMPANY
State: PA

Complaint narrative:
An initial complaint was sent to CFPB ( # XXXX ) regarding TD Auto Finance not correcting the address on my vehicles title ( so that I can update my car registration ) but still has been receiving payment monthly towards the car note. I have been having this issue for 4 months now and have been back and forth with TD AUTO, the XXXX, and CFPB. There are numerous amounts of complaints surround the same issue and what looks like a common problem at TD AUTO. 

( https : XXXX ). 

I received a fax of my cars initial title ( dated XX/XX/2017 ), but was advised by PA DMV that the copy is not enough. TD Auto finance stated that they sent the original to a local DMV in XXXX, but I was also advised that local DMV 's can not complete the transaction & that the title needs to be forwarded to XXXX . 

Several call have been made to TD Auto and the customer experience advocate ( XXXX XXXX ) to provide this information and to check on the status of my request ; but no success & recently all my calls have been going unanswered.

Company response to consumer: Closed with non-monetary relief