vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc.
State: KY

Complaint narrative:
The company BSI Financial Services XXXX. XXXX XXXX XXXX, PA XXXX has given me mixed answers and refused to drop off an additional PMI monthly fee ( {$33.00} ) for my mortgage that is paid beyond the 20 % of principle balance thresh hold. When I signed the original contract for this loan, it was explained to me verbally by the loan officer that I would only have to pay this ( roughly {$40.00} PMI ) for about 2 months, seeing as I gave a down payment of 19.5 % of the principle- then it would " drop off ''. My loan was transferred ( sold from my first company to a new one ) and now I am being told a completely different story from my new servicers BSI Financial Services. From XXXX to XX/XX/2020 I've had over 12+ phone calls with them explaining that I had the right to request it be dropped. I was passed around to different agents, told to send something in writing ( a process that took them over a month to get follow up with me after ) then I was finally told that they have the right to wait until it was at the point of being forced to drop off. On XX/XX/2020 I sent a request in writing and was denied and told I would have to continue to make this payment for at least 2 years to protect their loan. Since this first request I have submitted half a dozen others and been charged hundreds of dollars despite never missing a payment and having paid within what I believe is the national thresh hold of 20 % of principle therefore reducing any risk they would carry. I am requesting additional assistance as after speaking with my loan officer and others in the lending business, I am being told that this situation sounds strange, the additional fee should be dropped, and that they may be charging me beyond what they should. Thank you for your help! I appreciate it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-02 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: DE

Complaint narrative:
Synchrony bank closed my Amazon store card on XXXX per " management '' because of two failed payments. I was able to locate one payment that failed ( bank error ) but not the first one. When I requested this information over the phone the representative told me " It's not our problem, your account is closed. '' and immediately hung up on me after I waited 40 minutes on hold. I have made consistent, on-time, payments to Synchrony. Sometimes real life happens and mistakes happen. But according to Synchrony, that's unacceptable. Now as a result I am going to take a credit hit due to the " Closed by grantor ''. Thank you Synchrony. If my credit file is negatively impacted, I will be closing all of my accounts with this fraudulent bank. I also received NO warning that my account was being closed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP
State: MA

Complaint narrative:
My loan is serviced by US Bank loan number XXXX and is escrowed for home owner insurance. I have never been late. I received notice that my insurance policy was about to expire I contacted US Bank directly and ask them to pay the amount of my insurance it was due immediately they indicated that they could not make payment until they received the new policy to see if there were any changes. I called the insurance company to ask them to submit the renewed policy they indicated that they can not submit the new policy until payment is made which makes total sense. I called back to US Bank and explained what the insurance company told me they said that my agent needed to send them electronically through their website an invoice and a copy of the declaration page this all occurred on XX/XX/XXXX days after my policy expired. My agent did send the information as requested. On XX/XX/XXXX I received in the mail a letter from US Bank indicating that my policy had expired and they were going to force place insurance at a significantly higher cost. I again contacted US bank as almost 2 weeks had passed from my initial communication with them and they indicated again they could not make payment without receiving an invoice. I have had many other mortgages all of the service service worked directly with the insurance company to affect the payment in a timely fashion I was caught in a catch 22 and extremely frustrated and afraid that my Policy had expired. In an effort to ensure that I still had coverage I went online to the insurance companies website and paid with my credit card which also included an {$85.00} processing fee for online payment I then had to provide proof of this payment to US Bank which is now making a duplicate payment directly to the insurance company which the insurance company will have to process to issue me a refund. All of this seems so frustrating and unfair as I feel I have done my part in making my payments in a timely fashion and it is my services responsibility to use my escrowed funds to ensure payment. This all seems like an unfair and abusive practice and at minimum is a disservice to the customers they are servicing.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-02 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: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: CA

Complaint narrative:
I am unaware of the above listed accounts. Please validate this information with the creditors and provide me with copies of any documentation associated with these accounts, bearing my signature. In the absence of any suchdocumentation bearing my signature, I formally request that this information be immediately deletedfrom the credit file you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Actsection 623 ( a ) ( 3 ), and I am keeping careful record of your actions. Failure to respond satisfactorily within 30 days of receipt of this certified letter will result in a smallclaims action against your company. I will be seeking {$5000.00} in damages for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act You will be required to appear in a court venue local to me, in order to formally defend yourself.

P.S. Please be aware that dependent upon your response, I may be detailing any potential issues withyour company via an online public press release, including documentation of any potential small claimsaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-02 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AR Resources, Inc.
State: CA

Complaint narrative:
There are several false charges using my name from XXXX XXXXXXXX XXXXl XXXX XXXX. AR resources is holding the debt

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-02 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: Navient Solutions, LLC.
State: FL

Complaint narrative:
I previously sent a letter asking for the documentation you used to verify these late payments, such as a transactional history, since what's reporting is not in line with any of my records and I know for certain that what's reporting is incorrect and inaccurate. Late payments affect my scores by a great deal, for sure you know that. How would you feel if the late payments reporting are not true but it keeps on weighing down your scores.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-02 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
I called the company explaining that I was not able to pay the balance of my loan by the maturity date due to financial hardship related to the pandemic. At first, they said my only option was to refinance. I called HUD for advice and was told they had recently worked with the company to do a modification. I called the company and provided this information, and was then told yes, that a modification was an option. I started the process on XX/XX/XXXX. Today is XX/XX/2021, and still don't know the status of the modification. I have had two scheduled appointments with a relationship manager for an update. Both times, I was told that information was missing on the application. My relationship manager should have thoroughly reviewed my file before the first appointment and made me aware at that time of all missing documents/ information. In addition, you can't reach the relationship manager assigned to you. I spoke with an escalation manager regarding my concerns, she did not address my concerns. I am fearful that I will not have a definitive answer by the time the maturity date rolls around. I feel like they are intentionally stalling so that I can lose my property.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-02 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: CA

Complaint narrative:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be cause by fraud or error on credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-02 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: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
These accounts don't belong to me. Please remove them from all 3 credit reporting agencies. Please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies. 

1. Identity Theft CITIZENS BANK Account Number : XXXX This is not mine. 

2. Identity Theft XXXXXXXX XXXX  Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX  XXXX. 
Account XXXX : XXXX This is not mine. 

4. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

5. Identity Theft XXXX  Account Number : XXXX This is not mine. 

6. Identity Theft XXXX Date of Inquiry : XXXX XXXX This is not mine. 

7. Identity Theft XXXX XXXX Date of Inquiry : XXXX XXXX This is not mine. 

8. Identity Theft XXXX  Date of Inquiry : XXXX XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-02 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: CA

Complaint narrative:
I am unaware of the above listed accounts. Please validate this information with the creditors and provide me with copies of any documentation associated with these accounts, bearing my signature. In the absence of any suchdocumentation bearing my signature, I formally request that this information be immediately deletedfrom the credit file you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Actsection 623 ( a ) ( 3 ), and I am keeping careful record of your actions. Failure to respond satisfactorily within 30 days of receipt of this certified letter will result in a smallclaims action against your company. I will be seeking {$5000.00} in damages for : 1. ) XXXX 2. ) XXXX XXXX of XXXX XXXX 3. ) Violation of the Fair Credit Reporting Act You will be required to appear in a court venue local to me, in order to formally defend yourself. 

P.S. Please be aware that dependent upon your response, I may be detailing any potential issues withyour company via an online public press release, including documentation of any potential small claimsaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-02 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am unaware of the above listed accounts. Please validate this information with the creditors and provide me with copies of any documentation associated with these accounts, bearing my signature. In the absence of any suchdocumentation bearing my signature, I formally request that this information be immediately deletedfrom the credit file you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Actsection 623 ( a ) ( 3 ), and I am keeping careful record of your actions. Failure to respond satisfactorily within 30 days of receipt of this certified letter will result in a smallclaims action against your company. I will be seeking {$5000.00} in damages for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act You will be required to appear in a court venue local to me, in order to formally defend yourself. 

P.S. Please be aware that dependent upon your response, I may be detailing any potential issues withyour company via an online public press release, including documentation of any potential small claimsaction.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: NAVY FEDERAL CREDIT UNION
State: AZ

Complaint narrative:
I had a covid-related mortgage forbearance, approved by my lender ( Navy Fed Credit Union ), for the past year. They modified my loan at the end of the forbearance, and XX/XX/2021 is my first payment after the end of forbearance and modification. On XX/XX/XXXX i got a notification from a credit monitoring service that a negative item had appeared on my credit report. I logged in to check, and the negative item is from Navy Fed, stating that my mortgage account is more than 120 days late. I called Navy Federal about this, and they gave me the runaround, telling me " there is no one to talk go about this, we don't do anything with credit reporting, it is all automatic. '' She also told me that it is my job to dispute it with the credit bureau. I want a guarantee that if i go through the time and effort of disputing this one time, it will stick, and it won't keep getting reported incorrectly as delinquent every month. Navy Federal made the mistake, and I think they should be held accountable for fixing it, not me, but they were unwilling to help when I called so I am reporting it here.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
I am not liable for this debt with XXXX XXXX XXXX XXXX XXXX XXXX  and I do not have a contract with PORTFOLIO RECOVERY A plus they did not provide me with the original application like I asked. 

Account No : XXXX Amount Disputed : {$180.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-02 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: FC HoldCo LLC
State: FL

Complaint narrative:
I previously sent a letter asking for the documentation you used to verify these late payments, such as a transactional history, since what's reporting is not in line with any of my records and I know for certain that what's reporting is incorrect and inaccurate. Late payments affect my scores by a great deal, for sure you know that. How would you feel if the late payments reporting are not true but it keeps on weighing down your scores.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-02 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
On XX/XX/XXXX this company called from XXXX, the lady left the name of XXXX she advised me to contact a number XXXX with a case file of CD XXXX. When I called the XXXX number the phone was picked up by a XXXX. This company has been repeatedly calling my phone number XXXX, and my parents phone number XXXX. I had previously spoken with a Mr. XXXX at this same number. They advised that I owed a balance from Citi Financial on a car note from well over 10 years ago. They advised the last payment was made some time in XXXX for XXXX, and that the balance was over XXXX owed and now with interest is over XXXX. This car was re-possesed over 10 years ago, and to my knowledge no payment was made in XXXX. This debt is not owed, they refused to remove any phone numbers whatsoever and told me they were XXXX not going to remove any numbers and to pay my XXXX bills. When they answer the phone, they just state legal department. They advised someone was coming to serve me at my home, and threatened to take me to court.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-02 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: TX

Complaint narrative:
fcra violations not mine please correct the violations it's been more than 60 days : XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX  XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX 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 2021-07-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
This agency is in violation of 15 USC 1681a ( 4 ). They have infringed on my right to privacy and have not provided me with any information that I authorized the reporting of such private information. On XX/XX/XXXX, XX/XX/XXXX, and most recently XX/XX/2021, I informed the consumer reporting agencies, XXXX, Equifax, and XXXX  of the violation and has received no response. It it plainly stated in section 611 ( a ) of the FCRA that failure to investigate disputed items within 30 days gives a reason to immediately remove them from my credit report. The reporting of this information is vital to my credit file. I am demanding this account be removed immediately or I will file for litigation due to the ongoing stress being caused. My information was also impacted by the equifax data breach.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-02 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: United Resource Systems, Inc
State: GA

Complaint narrative:
Fraud Alert added to report. Suspicious inquiries reported to credit report ( XXXX  ). contacted credit bureau to have removed. 
Also collections reporting in violation of my consumer right and the Hipaa laws.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-02 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: AR

Complaint narrative:
This complaint is for the timeshare company XXXX XXXX. We spoke with their employee named Ms. XXXX who was introduced to be something other than just a salesperson & also claimed to not work on commission. We were enticed by telling us we were making a good financial investment. They promised that the resale value would go up. We were also tempted when we were told that the purchase had some tax benefits similar to owning a second home. They make it sound like they're making a special offer made only just for us because they mentioned they needed " corporate '' approval to give us the price offered. We were also pressured by telling us that it's our last chance at the lowest price. They had us open a credit card wherein they made me sign an application making me believe that it was part of the application process but I wasn't made aware that it will be used to open a credit card. They also had my ID at that time. They offered us breakfast, tickets to shows etc. I felt I was rushed into this because shortly, there were 3 people talking & they never gave me enough time to read & fully understand the contract properly. They never discussed how cancellation process works, they didn't even informed us as to how many days we have to be able to cancel. I was XXXX years old then, so it felt like I was taken advantage of. We experienced financial difficulties due to this timeshare plus the problems caused by Covid19. I have to work extra days for this timeshare and they kept calling us for payments everyday. Everytime things got worse in dealing with them, they kept promising things would be positively different but it never gotten any better. I had the worst experience with this timeshare, we were simply defrauded, this is a scam. They lied to us, having this timeshare is not as great as they made it out to be, paying monthly for the rest of eternity.

Company response to consumer: Closed with explanation