vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc.
State: WA

Complaint narrative:
My mortgage is serviced by BSI Financial Services. 

I purchased my home in XX/XX/XXXX. The home was very outdated. I had since then added significant value to the home through numerous renovation projects. The home was refinanced to have a lower interest rate in XXXX ( approx. ) XXXX without an appraisal due to high demand in the area. Later the loan was purchased by BSI Financial Services from the original company. 

I contacted BSI Financial Services in XX/XX/XXXX expressing interests in removing the PMI ( Private Mortgage Insurance ) on the mortgage. BSI Financial Services customer support instructed me to get an appraisal and they can then process the request. I found it strange that I had to do this myself since as a general rule, the appraisal should be initiated by the mortgage servicing company. So I called later in XXXX again to double check this process. I again was told that all I need is an appraisal letter. 

So I worked with a local appraisal company to get the property appraised. The LTV ( loan to value ) ratio is indeed less than 78 %, which means the mortgage should be eligible to have PMI removed. 

I contacted BSI Financial Services again early XX/XX/XXXX. I was told to submit a written request with my signature that indicates I would like to remove the PMI on the loan. I did this shortly after the call. 

I had received the 'decision ' letter from BSI Financial Services rejecting the request to remove PMI on the loan. Reason being 'The origination date of your loan is less than two years '. 

As I did my research and read through articles on CFPB, according to the Homeowners Protection Act, the requirement of removing PMI is as bellow : 1. Your request must be in writing. 
2. You must have a good payment history and be current on your payments.

3. Your lender may require you to certify that there are no junior liens ( such as a second mortgage ) on your home.

4. Your lender can also require you to provide evidence ( for example, an appraisal ) that the value of your property hasnt declined below the original value of the home. If the value of your home has decreased below the original value, you may not be able to cancel PMI at this time. 

I can confirm that I have fulfilled all the above requirement. And the 'seasoning ' requirement should not prevent me from removing my PMI based on this article : https : //www.consumerfinance.gov/ask-cfpb/when-can-i-remove-private-mortgage-insurance-pmi-from-my-loan-en-202/ Please let me know if there's anything else I can do to successfully remove the PMI on my mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-24 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
In XXXX and XXXX of 2020, I disputed several collection items, XXXX XXXX Account number XXXX -- Account number XXXX with this credit bureau and as of today, I have not received any response from them. Also In the Dispute letter I included the proper documentation to have the investigation started I also sent a 30-day non-response dispute letter to this bureau XXXX of 2020 and I have not received any contact back about my dispute. I'm contacting the CFPB to help me with this issue to remove these Unverified collection items because of the Fair Credit Reporting Act that states 30 days of no investigation response and the item should have been deleted or verified. thanks

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 2021-01-24 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Choice Recovery, Inc.
State: SC

Complaint narrative:
After reviewing a copy of my most recent credit report, I discovered a derogatory remarked placed on my report by a collection agency named : XXXX XXXX XXXX They are attempting to collect on an alleged medical debt in the amount of {$50.00} the Original Creditor is : XXXX XXXX XXXX. 

I ( Have No Knowledge ) of this alleged debt. In addition to that reviewing my credit report was the first time I had ever seen this information. 

I never received any written notice, phone call or any other form of communication regarding this debt prior to them placing this invalid information on my report. Never allowing the opportunity to dispute this item or request validation, pursuant to the Fair Credit Reporting Act on a debt that has clearly reached the statue of limitation for collection efforts. 

This agency blatantly disregarded the federal law and placed harm to my credit rating without my knowledge. Clearly there is a violation here which is why I pray that your agency will investigate this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-24 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: GA

Complaint narrative:
The credit bureau is reporting inaccurate information to my credit report. I sent in a dispute letter to them on XX/XX/2020. They have fail to comply within the 30 day statute of limitations.

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 2021-01-24 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: GA

Complaint narrative:
The credit bureau is reporting inaccurate information to my credit report. I sent in a dispute letter to them on XX/XX/2020. They have fail to comply within the 30 day statute of limitations.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
I refinanced my home in XXXX with PMI payments. At time of refiance the appraised value was {$300000.00}, loan amount of {$250000.00} ; current outstanding balance is {$220000.00}. I spoke with representative from NewRez Finance who is handling my mortgage to remove my PMI. I was told that I could not remove my PMI unless I refinanced with 20 % down payment and less than 80 % ltv. 

He stated that after XXXX, the law changed. I would have had to put down 20 % and be below 80 %. Otherwise, I am stuck with paying PMI until I refi with 20 % down and less than 80 % .Therefore, I can not remove PMI for the duration of my mortgage. 

How can this be possible? Please advise

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-24 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: EQUIFAX, INC.
State: FL

Complaint narrative:
This is not mine nor do I even know what it is

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-24 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: GA

Complaint narrative:
I started disputing my personal information on XX/XX/XXXX - XX/XX/XXXX, I've been sending letters and now there are addresses that I have no knowledge of or no access to. These addresses are still being reported on my Experian credit report and affecting my credit history. Experian has closed each dispute attempt with the same outcome, the invalid information is still being reported today as of XX/XX/XXXX. This has really affected my credit and my life.

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 2021-01-24 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: FirstPoint Collection Resources
State: CA

Complaint narrative:
Hello, My name is XXXX XXXX. I have over {$7000.00} in debt due to visiting the ER when I was homeless. I was just XXXX and I didn't know how to protect my credit except to not apply for cards I didn't need. Well I was informed by adults that if I visited the ER that it wouldn't go on my credit. Well here we are. I have been paying off the debt that I owe for months ( {$100.00} ) each month since the start of last year. I am sure I have paid off more than 2 of the credit debts. I want them off my credit because at this point my credit just keeps going down.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-24 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: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XX/XX/XXXX, AMEX add a hard inquiry on my credit report per XXXX. 
On XX/XX/XXXX, XXXX XXXX add a hard inquiry on my credit report per XXXX. 
On XX/XX/XXXX and XXXX XXXX, XXXX, US SM BUS ADMIN ODA add a hard inquiry on my credit report per XXXX. 

But companies did not provide the following proof : Permissible Purpose My written authoriz ation Proof that I personally initiated these inquiries. To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-24 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
CD account missing from the drop-down account selection in the Letters and Notices screen still has not been fixed by the bank. I had a CD matured on XX/XX/2021. I called on XX/XX/2021 to renew the CD and change the term from a 4-month CD to a 5-month CD. Prior to the renewal, I was able to access the letters regarding this CD in the Letters and Notices screen. See the first attachment. After the renewal, this CD is no longer in the account selection drop-down list in the Letters and Notices screen. See the second attachment. Hence, even the bank sent me an e-mail notifying a renewal letter is there, I was not able to access this letter. The bank did not mail me a hard copy of the renewal letter neither. I called on XX/XX/2021 and talked to an online technical support staff. I screen shot the online account selection drop-down list and e-mailed him the screen shot. He told me he has received the e-mail and would write-up a ticket about this issue. He told me someone would call me within 24-48 hours and provide me a ticket number and an update on the issue. I never received a call back. I called again on XX/XX/2021 and talked to an online technical support supervisor, XXXX. He said that he could not find any record on this issue and asked me to e-mail him the screen shot. I did. He too told me someone would call me in 24-48 hours and provide me an update. Again, I never received a call back. I called again on XX/XX/2021. This time the person I talked to told me he found a ticket but he could not tell me the ticket number. He said only the person who wrote that ticket can tell me the ticket number and an update on the issue. Therefore, this issue goes nowhere.

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 2021-01-24 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Fees charged for closing account
Company: U.S. BANCORP
State: MN

Complaint narrative:
XX/XX/XXXX Went to US Bank, to get my bank statement on my closed account, also i have other account there, they charged me {$6.00} for each month ( I ask 6 months {$36.00} ), and they ask cash only, they don't let me use other account to pay, i have to take money out, they want cash only, after i payed they just give back my ID, no receipt, i ask them give me a receipt, reluctantly give a receipt, on the receipt transaction type is : miscellaneous fee. 

30 mins late still didnt get email from US Bank, so i call US Bank service ( XXXX ), they send me the statement by email with no charged, i ask the US bank service do i have to pay for the statement, the answer is no. so i go back to US bank, ask them why i have to pay for the statement, was three different worker tell me they always charged for statement, doesnt matter the account is open or closed, doesnt matter print or email, and whatever the us bank service said is not truth, they don't want to return the {$36.00}, why the us bank want cash only? why the receipt transaction type is miscellaneous fee? 

I was closed my account around XX/XX/XXXX, maybe overpay to my credit card or other reason, still have {$240.00} in the closed account, i go to the bank ask for help, they tell me 'they can't help me, i have to call the credit card company. 
U.S. Bank XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX Branch : XXXX I just want to know if this bank violated the rules and charged fees that should't be charged, thanks.

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 2021-01-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Hi, I have purchased packages for a winter festival in XX/XX/XXXX, named XXXX. 
In XXXX the company cancelled the event due to covid-19, and originally promising a full refund by XXXX, which eventually they did not honor and decided to issue vouchers instead. I had paid over 10 different charges with my card and i immediately put in a billing dispute for all of the 10 charges. Chase has gone in my favor for 8 and for the other 2 charges they decided against me since it was a government mandated shutdown. I went ahead and re disputed those 2 charges and for one i got a letter in the mail that it was overturned in my favor and it was a mistake to rule it against me. However for the last charge of XXXX they just said since the company offered a voucher i will still be responsible to pay. Fast forward XX/XX/XXXX, XXXX for XXXX has been cancelled and now they have no choice but to refund me for the unused voucher, i learnt when i tried to fill out my form that my vouvher has been voided since i put in a chargeback. After emailing them i received an email that they will refund my card which still has yet to happen. I have sent all this information to chase and hopefully this can finally be resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-24 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: ID

Complaint narrative:
The stated date of first delinquency has been reaged. However, given the currently stated date of first delinquency this account is still well over five years old. Per Idaho 's statute of limitations : " Breach of contract for sale under the UCC : 4 years. Written contract or liability : 5 years. Contract or liability that is not written : 4 years. ''

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: AMERICAN EXPRESS COMPANY
State: PA

Complaint narrative:
Received a text from American Express reporting unusual activity, click on the link. Checked my online account, no suspicious charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-24 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
Was defrauded cost of a XXXX XXXX and PayPal. XXXX refuses to acknowledge they did not verify the fraudulent seller and reused to even allow a complaint to be entered. PayPal is not issuing a temporary credit even thought they charged me and a filed a dispute on the transaction

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-01-24 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
On XXXX I sent a letter regarding inaccurate and unknown things on my credit report. And it has been 41 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or will file for litigation due to high stress from this horrible experience, this isn't right! My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person.

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 2021-01-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I've tried to contact Capital 1 directly, but get a message saying : " Looks like there's an issue with your account. Before we can chat, you'll need to clear it up. Check your account for more info on what to do next. '' When I click the link to correct the issue, nothing happens. So I can't get through to customer service. 

I paid off the account on XX/XX/2020. On XXXX XXXX I noticed there was an interest charge of {$55.00}, so I paid that off too. Now, on XXXX XXXX there is another interest charge of {$5.00}. Even though it's a small amount, I don't understand how it's calculated since there has been no transactions since last statement. ( See screenshot ). 

Also, I don't know if they will continue to add interest fees to this paid-off account in the future. Since they won't allow me to contact their customer service online, I can't ask them to correct this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-24 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I sent off two notarized dispute letters on XX/XX/XXXX and XX/XX/XXXX. It has been over 30 days and I have yet to receive a response from TransUnion. With that being said under the FCRA, if an investigation is not completed 30 days after receiving a dispute letter, they must delete all of the unverifiable and inaccurate information contained within that dispute letter.

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 2021-01-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ID

Complaint narrative:
The stated date of first delinquency has been reaged. However, given the currently stated date of first delinquency this account is still well over five years old. Per Idaho 's statute of limitations : " Breach of contract for sale under the UCC : 4 years. Written contract or liability : 5 years. Contract or liability that is not written : 4 years. ''

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-24 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: FL

Complaint narrative:
i saw inquiries on my credit report that i don't recognize, i sent mail to the three credit bureau on XX/XX/2020, to fix the problem. 
Transunion still didn't answer back to me. 
XXXX  and XXXX  answer back telling that nothing was wrong the inquiries but was able to show me the prove that I initiate the inquiries. 
No documents, no email, nothing!!! 
this situation cause me prejudice, i try to buy a house and all these false inquiries on my credit report make my credit score drop.

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