vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-12-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: M&T BANK CORPORATION
State: FL

Complaint narrative:
Early in XXXX I requested that M & T Bank drop the PMI insurance from my mortgage. I was subsequently sent a notice that the PMI would not be dropped because I had not met 2 of the criteria in order to do so. One of the criteria required me to make an additional lump sum payment towards the principle, which I did. The other requirement was that the loan had to be in effect at least 5 years. I was told verbally by M & T that that period would be in XX/XX/XXXX. When I called in XX/XX/XXXX to find out when I would receive a new payment break down, I was told that the PMI could not be dropped until XX/XX/XXXX because the 5 year mark was on XX/XX/XXXX. The payment statement that I received from M & T shows an increase in the monthly payment due to their escrow analysis, which includes the PMI charge that I will no longer be responsible for. I called M & T Bank today ( XX/XX/XXXX ) and asked again for a new escrow analysis so that I would know what my correct payment should be on XX/XX/XXXX. I was told that I could not receive that new payment figure since the 5 year mark ( XX/XX/XXXX ) had not yet arrived. I asked if I called on XX/XX/XXXX if they would then send me the correct payment amount so that I could make my XX/XX/XXXXpayment on time. I was told that the analysis may take up to 60 days before it takes effect.

It is obvious to me that M & T Bank is stringing us along, and probably thousands of other mortgage holders as well, in order to collect additional PMI payments.

The resolution to this problem is simple. I need the correct payment amount for XX/XX/XXXX that does not include the PMI. 

Thank you in advance.

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 2017-12-13 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: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I did not open any credit cards recently other than my XXXX credit card and was approved. There should n't be any other marks on my credit score.

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 2017-12-13 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: JP RECOVERY SERVICES, INC.
State: DC

Complaint narrative:
Hi there, XXXX XXXX XXXX ( XXXX ) tried to charge me incorrectly for a medical bill that I did not owe. I saw an allergist ( XXXX XXXX XXXX ) who falsely told me directly and through their staff that I would not be charged any amount ( even a copay ) if I took agreed to receive the XXXX XXXX XXXX. After a few treatments, I decided to call my insurance company to check and realized this doctor and his staff were incorrectly coding the bills they sent to insurance company. The insurance company put a stop to it and ended up only partially covering the treatment. XXXX tried to then charge me the copays but I told them that I was not responsible for the copays since XXXX XXXX and his staff falsely told me I was completely covered AND fraudulently used the wrong billing codes that I discovered. 

XXXX made me submit a few appeals but I never heard anything back and all of a sudden years later I get a collection agency ( JP Recovery ) call about this fraudulent bill.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-13 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: TX

Complaint narrative:
Equifax continues to violate the FCRA by submitting unverified information to my credit file without my knowledge. I have recently had an unverified item deleted from my Equifax credit file and it was reinserted without my knowledge. The information still has not been validated or verified by Equifax, yet they have allowed a third party collection agency that is operating Illegally to submit this information to my file. The third party company XXXX XXXX XXXX is operating illegally because they are not licensed in the State of Texas as a Collection Agency. Despite all of these things Equifax, still reinserts the information to my file without my knowledge, and knowing that it has already been previously deleted for not being valid.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
I was told if I bring my credit card current it would not be closed. I posted a payment for XXXX/XXXX/XXXX and that payment posted on XXXX/XXXX/XXXX. I had set my payment up by phone with a representative at USAA prior to this to be pulled on XXXX/XXXX/XXXX. They understood my concern with paying this before being closed and used that as an advantage to take my payment and close my card. I made a payment of {$1100.00}, that posted XXXX/XXXX/XXXX. This bank used scare tactics and continued to harass me even after I set my payment up in advance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I initiated 3 written disputes between XXXX XXXX and XXXX XXXX with Transunion requesting verification of XXXX XXXX XXXX, XXXX, and XXXX XXXX Dealer services accounts that show on my credit report. These unverified items still remain on my credit report in violation of Federal Law. Transunion responded to each of my disputes saying the information was verified/updated, but failed to remove them or to send me copies of the documents that used to verify these accounts as per my request. The fact that Transunion has ignored my request to send me copies of the documents used to verify the disputed accounts is evidence that they did not properly verify any of the disputed accounts. Transunion has not produced any document with my dated signature or authorization. Yet they willingly continue to report unverified information despite the Fair Credit Reporting Act laws in place prohibiting this unethical practice. I request that these items be removed immediately.

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 2017-12-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX is reporting an unfair late payment recently. I have attached a letter of explanation as well as supporting documents with this complaint. I have disputed the late payment reporting with XXXX XXXX directly as well as all three major credit bureaus and I do not believe the treatment has been correct or fair. 

In my attached letter I explain exactly WHY the I should NOT have incurred a late payment report from XXXX XXXX. 

To summarize : I was charged a late payment after incurring a annual fee for a card I had not been using. I had not received any statements in the mail notifying me of a new balance and emails were sent to my spam folder. 

When I called to resolve the account I was told the fees would be reversed. 

Since the fees were in fact " never incurred '' or reversed I should not have incurred any late payment reports since no payment was due. Essentially I 'm being reported for being late paying fees that i had never incurred or were reversed. There was NO balance from purchases I had made on this account Please see my letter of explanation attached with this submission. 

Please investigate.

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 2017-12-13 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX is reporting an unfair late payment recently. I have attached a letter of explanation as well as supporting documents with this complaint. I have disputed the late payment reporting with XXXX XXXX directly as well as all three major credit bureaus and I do not believe the treatment has been correct or fair. 

In my attached letter I explain exactly WHY the I should NOT have incurred a late payment report from XXXX XXXX. 

To summarize : I was charged a late payment after incurring a annual fee for a card I had not been using. I had not received any statements in the mail notifying me of a new balance and emails were sent to my spam folder. 

When I called to resolve the account I was told the fees would be reversed. 

Since the fees were in fact " never incurred '' or reversed I should not have incurred any late payment reports since no payment was due. Essentially I 'm being reported for being late paying fees that i had never incurred or were reversed. There was NO balance from purchases I had made on this account Please see my letter of explanation attached with this submission. 

Please investigate.

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 2017-12-13 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: S & S Recovery, Inc.
State: MS

Complaint narrative:
This debt is relating to a balance owed to XXXX XXXX College in the ammount of XXXX. I contacted XXXX XXXX College on XXXX/XXXX/XXXX in reference to this account and they let me know that it had been placed With S & S RECOVERY , INC . I CONTACTED THEM THE VERY SAME day regarding the account they stated that they did not have any information regarding the account and I had not recieved any letters or communication from them regarding the balance. So here I am trying to get my official college transcript to enroll in school but im getting the run around about my account. Then I recieved a letter from S & S stating that I was previously notified that my account was placed for collections, which i had not been notified.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-13 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
We purchased a foreclosure property from Bank of America located at XXXX XXXX XXXX XXXX, XXXX VA XXXX in XXXX XXXX. In Virginia, you are required to obtain a repo title with the DMV when you foreclose on a property. This was not done by either Bank of America or their foreclosure agent ( XXXX XXXX XXXX, XXXX. ). XXXX XXXX XXXX, XXXX. did not even request a DMV title report until nearly 4 months after closing and then conveniently overlooked that a title and lien existed. I have spent a ridiculous amount of hours over the last several months trying to get the lien released and have them send me the title from the DMV. I literally had to show Bank of America where on the title report the lien and title number were and they refused to help me at all until I had a DMV title report on the property. I finally received the lien release in XXXX XXXX but if I turn it in to the DMV then they mail the title to the former owner ( who is deceased and did not have an estate to distribute ) .Both Bank of America and XXXX XXXX XXXX XXXX XXXX. refuse to fill out the form and request the title from the DMV. I have offered to fill out the form for them and send them the 10 bucks. I know it is common practice for Bank of America, XXXX XXXX XXXX and other big banks to refuse to get Manufactured home titles but it needs to stop. Why do n't they have to follow the law? They market and advertise these properties as single family residences and then do a bait and switch maneuver. They use hold harmless forms to avoid complying with the law. These tactics are frustrating and cost their customer extraordinary amounts of time and money.This is really simple fix for either Bank of America or XXXX XXXX XXXX, XXXX. and I only want them to do what should have been done when they foreclosed on the property. If I could do it, I would. I have spent countless hours on the phone with Bank of America, XXXX XXXX XXXX, XXXX and at the XXXX without success. 

This is a really easy fix for Bank of America and/or XXXX XXXX XXXX, XXXX. It does not have to be this hard. It is 10 dollars maybe 20 dollars and a stamp which saves everyone a lot of time, money and aggravation.

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 2017-12-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Portfolio Recovery Associates, LLC
State: MA

Complaint narrative:
Portfolio Recovery Associates, XXXX for amount of {$630.00}. I have sent Portfolio Recovery Associates, XXXX  debt validation in which they did not respond. They also reported this item to my credit reports with XXXX, XXXX and XXXX. The item was removed from my credit reports then placed back on. Portfolio Recovery Associates, XXXX has not complied with my request at all.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-13 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
Upon speaking to the representative he never read me the mini Miranda, I validation of the debt when he refused to provide. I also, informed the rep that i was making payments direct to client.

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 2017-12-13 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: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
XXXX continues to violate the FCRA by submitting unverified information to my credit file without my knowledge. I have recently had an unverified item deleted from my XXXX credit file and it was reinserted without my knowledge. The information still has not been validated or verified by XXXX, yet they have allowed a third party collection agency that is operating Illegally to submit this information to my file. The third party company Portfolio Recovery Associates is operating illegally because they are not licensed in the State of Texas as a Collection Agency. Despite all of these things XXXX, still reinserts the information to my file without my knowledge, and knowing that it has already been previously deleted for not being valid.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I was stunned when I reviewed my XXXX, XXXX and XXXX  credit reports and saw that I was reported as having a late payment on the date below : 30 days past due as of XX/XX/XXXX I already disputed this with the credit bureaus and they verified it as being accurate. I am not sure how this happened, I thought that I had made my payments to you on time when I received my statements. My only thought is that my monthly statement did not get to me or maybe an error occurred where it was n't recorded on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I was stunned when I reviewed my XXXX, XXXX and XXXX credit reports and saw that I was reported as having a late payment on the date below : 30 days past due as of XXXX XXXX I already disputed this with the credit bureaus and they verified it as being accurate. I am not sure how this happened, I thought that I had made my payments to you on time when I received my statements. My only thought is that my monthly statement did not get to me or maybe an error occurred where it was n't recorded on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-13 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC.
State: MA

Complaint narrative:
My XXXX XXXX XXXXn that was originally taken out with XXXX XXXX is now being serviced by Navient. I discovered that my XXXX XXXX XXXX, which is a 0.25 % interest rate reduction was " disqualified. '' I contacted Navient on XXXX XXXX, XXXX to ask why I was disqualified from this benefit, as none of my contact information had changed, I still use electronic communication, and I use auto-pay. I received a response on XXXX XXXX, XXXX that the benefit had been disqualified " in error '' and it would be reinstated to my account. 

However, going back through all the statements, I have NO way of determining WHEN the benefit was mistakenly disqualified from my account and how much interest has accrued because of it. I have received no response from Navient with this information. 

Furthermore, I have noticed that my variable interest rate has conveniently gone up EACH month as my principal amount of loan has gone down. I recognize there might not be anything to be done regarding this, but I believe this is not a coincidence. 

Thank you for any help.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-13 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: DISCOVER BANK
State: SC

Complaint narrative:
XXXX sent a letter referencing information I should have received about servicing enhancements. The referenced information was never received. As a result of " XXXX XXXX '', XXXX created new loan numbers that were credit reported in addition to the original loan numbers. Consequently, the addition of the new loan numbers had an adverse effect on my XXXX XXXX and rating. I am currently in the process of obtaining a home loan. Due to the negligence of XXXX XXXX XXXX XXXX XXXX incorrectly reporting XXXX accounts to the credit bureaus, including XXXX original accounts and XXXX new accounts, the adverse effect of the new loan numbers negatively interfered with the home loan process. Thus, I requested immediate removal of the new loan numbers from my credit. Additionally, due to the damages caused to me from the negligence of XXXX XXXX XXXX XXXX XXXX, I requested our relationship be terminated immediately. I offered to settle the original accounts with immediate removal of the all accounts from my credit to release XXXX XXXX XXXX XXXX XXXX from the damages caused by negligence in unauthorized new loan numbers and credit reporting. XXXX XXXX, XXXX Representative, has been rude and has not resolved the issue. After sending him documentation of the adverse effects to my credit and a resolution letter, he maintained that the company " reported correctly '' and the company rejected the offer to settle.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-13 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: AMERICAN EXPRESS COMPANY
State: OK

Complaint narrative:
My card was stolen on the morning of XX/XX/2017 at around XXXX. I discovered this around XXXX and contacted AMEX to cancel the card and dispute the almost {$450.00} in charges. They informed me that I had to wait until the charges had cleared before they could do anything about it, and would n't even tell me the locations the card had been used. I filed a police report and have been in contact with the police mutliple times. I have provided the persons name that stole the card, contacted the locations and they are getting the video ready of the person that stole the card using it. 

Every time I speak to someone it is someone in the XXXX who does n't care that it 's XXXX and that I 'm doing everything I can to get this XXXX caught, but they will only say 7 to 10 business days. This is a DEBIT CARD, NOT A CREDIT CARD!! My paycheck went on this!! This XXXX stole half my paycheck and i live paycheck to paycheck. I ca n't afford to wait for them to provisionally refund the amount until the XXXX!

Company response to consumer: Closed with monetary relief