vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-10-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX has posted that my account is more than 90 days late. This is incorrect and far from the truth. I have attached payments made to my account over the past 90 days. I will also be contacting an lawyer due to this miss information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-28 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: STATE EMPLOYEES CREDIT UNION
State: NC

Complaint narrative:
On XX/XX/2019, I made a payment in the amount of {$72.00} to XXXX XXXX in North Carolina. The next month I received my monthly statement. Billed date XX/XX/2019 the previous amount is still showing on my statement {$72.00}. The payment box is XXXX. No payment of {$72.00} from the last month. I go ahead and make from another bank {$130.00} {$72.00} plus {$62.00}. Thinking that I had already made the payment I research and find that I made the payment the prior month in the amount of {$72.00}. I call XXXX and SECU to try and resolve this issue and have not been able to resolve it. 

I was able to talk to SECU personnel in XXXX to give me the information needed which is attached. However, the local bank has yet to resolve or consider any resolution.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-28 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: CITIBANK, N.A.
State: TX

Complaint narrative:
Citi Bank just posted to my XXXX credit report that I have not made any payments on my card in the last 90 days. This has caused me to not get approved for a loan an has caused me get hardship. I have attached proof of me making payments.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
EVER SINCE EXPERIAN & XXXX DATA BREACHES I AM NO LONGER ABLE TO SEE XXXX  IN MONITORING SERVICES..

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 2019-10-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: CA

Complaint narrative:
Dear Sir/Madam, I made a complaint against loancare regarding the same issue ( XXXX ) They closed my case without resolving my issue. 

My loan balance is still below 80 % but they do not answer any of my calls or emails regarding the cancellation request, they already charged me for the month of XXXX and they send me the bill for XXXX where they still want me to pay PMI. 

I got a letter from them after your complaint that letter was signed by XXXX XXXX with extension number XXXX but when I try to call this number during the business hours provided on the letter I got " Invalid Extension '' error. 

I tried to leave them a voice message but no one ever returned any of my calls.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-28 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: CAPITAL ONE FINANCIAL CORPORATION
State: CT

Complaint narrative:
On XX/XX/XXXX I contacted Capital One regarding my Lord and Taylor account and wrote letter to let them know there was an issue with my account. I explained to them I did not receive a statement or phone call to pay the bill of approx. {$30.00}. I asked how can I pay a bill that I never received and asked them to remove the 30 day late from my file. They reported {$95.00} being the balance and that was also incorrect. The late fees was waived. 
On XX/XX/XXXX I received letter from Capital One and they said based on the information I gave them, they are unable to change their reporting on a courtesy basis. They also included the Fair Credit Reporting Act requires Capital One to report the account history accurately. 
On XX/XX/XXXX, I wrote back to them that it was not a courtesy. I did not receive the statement so how can I pay if I didn't receive the statement. The payment was immediately paid once I received notice from XXXX XXXX my account was late. I paid when it was known to me. If I was not properly notified about a payment, this 30 day late should be removed and not held against me. 
On XX/XX/XXXX, I received the same standard letter they gave me on XX/XX/XXXX. Only thing that was changed was the date.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-28 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: Santander Consumer USA Holdings Inc.
State: PA

Complaint narrative:
Santander Consumer USA continues to furnish inquiry on credit file. During the time of inquiry, I was XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-28 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Conn's, Inc.
State: TX

Complaint narrative:
Conns XXXX repeatedly calls my phone several times a day. ( up to 6 times a day, 3 times on average a day. ) I have never had an account with conns, and will NEVER shop with them if this is how they treat their customers. 

They claim my diseased father whom, I have had no contact with for over 25 years put me down as a reference. Which is a straight out lie, as my father never had my phone number, let a lone provide it to anybody as a reference. 

They repeatedly call my sister too. 

I have repeatedly told them not to call me, as I have my own medical issues and it is very stressful when they call back to back from different numbers for somebody who I have not seen or had contact with in over 25 years. 

Particularly when they know he is diseased, because they told my sister they would need a copy of his death certificate to stop calling. My sister who did have contact with my father paid money to get a copy of his death certificate, and provided it to them. 

However that did not stop the calls, they continue to call multiple times a day, the whole time knowing fully well that my father is diseased. 

I have received 23 calls in the last 3 weeks concerning this, which is ridiculous. 

I have even told them, when they claim they have to talk to him and as a reference I have to help them contact him. Their best possible way to talk to a diseased person is to try and talk to them at the cemetary. Maybe they could go talk to his headstone at the XXXX XXXX XXXX National Cematary and talk to him there. 

These calls need to STOP

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
SINCE XX/XX/2015, XXXX XXXX PLACED A SECURITY FREEZE ON OUR CREDIT FILES, AND AS A RESULT CAUSED OUR BK XXXX THUS VIOLATED THE F.C.RA. 15 U.S.C. Section 1681g as well as the Dodd Frank Wall Street Reform & Consumer Protection Act, Title x by not answering the CFPB.GOV PORTAL COMPLIANT CORRECTLY.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
SINCE XX/XX/2015, XXXX XXXX PLACED A SECURITY FREEZE ON OUR CREDIT FILES, AND AS A RESULT CAUSED OUR BK XXXX THUS VIOLATED THE F.C.RA. 15 U.S.C. Section 1681g as well as the Dodd Frank Wall Street Reform & Consumer Protection Act, Title x by not answering the CFPB.GOV PORTAL COMPLIANT CORRECTLY.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
The XXXX accounts on my credit report are wrong and I was not able to pay these accounts. I have attached proof on complaints I have filed with other agencies trying to get help on being able to pay accounts online. When I call in, it takes almost 45 minutes just to make an payment by credit card. I still don't get any billing from XXXX. 


They repossessed an ATV without providing any communication or billing sent to me. They also contacted my father and made treats to him about my accounts and told him my account information. 

I have also attached emails from the person who contacted me that is not with bank. He also contacted my father and provided information about my account which is against the law. I received obsessive amount of phone calls from this guy while at work. 

Below is accounts on credit report. 

XXXX XXXX Last reported XX/XX/2019 {$1600.00} Reported balance Highest balance {$1600.00} XXXX XXXX Last reported XX/XX/2019 {$3200.00} Reported balance Highest balance {$10000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: MI

Complaint narrative:
I am having an issue with Lakeview Loan Services LLC Subservicing by XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX Loan Number XXXX XXXX XXXXXXXX The aforementioned has been giving me a difficult time removing the Monthly Premium ( PMI ) I am being charge. 

Per form HUD-92900-B it basically states that after 5 years, providing you paid and upfront insurance premium ( I did ) and your loan to value reaches 78 percent of initial sales price or APPRAISED Value of your home, which ever was lower, should allow me to request the removal of the monthly insurance premium. 

In XXXX of XXXX I was told by a representative of XXXX XXXX that I had to use one of  their appraisers. I was also told to send in a written request for removal of PMI which I have in my sent file. I have since made multiple request for a list of their Appraisers. 

Now XXXX XXXX whom now handles the servicing on the loan has stated to me that because I have FHA it has to be 78 % loan to value only through normal payments, and that I can not get the property appraised to remove PMI. Each call there is something new. I was told ( by XXXX XXXX )  that I closed on the house in XXXX of XXXX as it relates to refinancing. so from my research that should not be a problem as it was before XX/XX/XXXX. If it was after that date due to regulation changes I may have had problems. I have never been more than 30 days late. I sent a request to remove PMI on XX/XX/XXXX no response.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY
State: MI

Complaint narrative:
Delta Reserve Card had a sign up bonus offer of : XXXX Delta Skymiles + XXXX Delta MQM ( Medallion Qualification Miles ). I previously owned the Delta Platinum card, and I wanted the Delta Reserve one, which is a tier above the Platinum one. I called and was told that I could just UPGRADE my existing card to the Reserve, and that I would still get the sign in bonus, so I did the upgrade. The next time I called, I was told I WOULD NOT get the bonus since I had upgraded instead of signed up for a new one. I was obviously very frustrated by that and asked how that could be fixed, and AMEX told me they could just UNDO the upgrade and then I could just sign up for a new Delta Reserve card, and that I would get the full sign up bonus. So that is what I did, once more trusting what AMEX personnel were telling me. After I hit the minimum spend to receive the sign up bonus, I noticed I did not receive any bonus at all, so I called AMEX again, only to be told that I would NOT receive any bonus whatsoever, SINCE I HAD ALREADY OWNED A DELTA RESERVE CARD PREVIOUSLY (??? ). I created an incident ticket with them and they investigated it and listened to all my previous support phone calls again. They then came back to me and said they were awarding me the SkyMiles, but that they " had no way of awarding me the XXXX Delta MQM Miles ''. 
I called Delta, and they contacted their AMEX liaison, and double checked that YES, AMEX COULD award me those XXXX Delta MQM miles. Side note : if you try to buy XXXX MQM miles from Delta 's web page, those are worth {$3000.00} USD. This is why this is a VERY important part of the bonus for me. 
With that data in hand, I called AMEX again and createad a new incident ticket, was asked to wait up to 4 weeks. 
Waited, called again, asked to wait 2 more weeks again. Please not that every time I called them I had to explain this whole story again and waste at least 40 minutes of my time per call. 
Called again XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. On XX/XX/XXXX they promised me they would call me back in 5 business days, which they did not. At this point I was 100 % sure they were just stalling and trying to win by making me tired of this whole process, so I had to appeal to you guys.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: LD Holdings Group, LLC
State: AZ

Complaint narrative:
WE began a loan refinance with cash back. Loan Depot was the lender we were working with. They promised the loan would close the first part of XXXX. I had troubles with them with communication and the whole process. They were not quick to respond nor did they get information to me in a timely manner. WE finally closed the loan on XX/XX/2019. Today is XX/XX/2019 and they have yet to release funds to pay the current mortgage nor some of the credit accounts that were being paid off. I requested that a manager contact me on XX/XX/2019 and I still have no contact from them. Everyday they delaying in paying it is costing me more money. What can be done?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-10-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP
State: VT

Complaint narrative:
Beginning of XXXX, i obtain a new home owners insurance company ( XXXX ).  Current one was XXXX  XXXX XXXX. XXXX  XXXX XXXX refunds my payment to escrow account. USBANK sends two identical payments out for the same exact amount. Payment was sent out on the XXXX of XXXX, payment in full. USBANK repeats this draining my escrow account to an overdrawn {$98.00} escrow account. They " advance '' : me the $ XXXX So its at XXXX. On XX/XX/19 USBANK calls and a nice lady is instructing me to send the second payment back to them. Call after call im transferred, hung up on, lied to, etc ... ... .this goes on and on I am not calling them again, and am sending them an invoice for my time i have spent due to them treating customers as a " transaction ''. I wish there were a way, i would love to get even.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: PNC Bank N.A.
State: GA

Complaint narrative:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that PNC BANK has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-28 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account information incorrect
Company: FORD MOTOR CREDIT CO.
State: NJ

Complaint narrative:
I have a lease with Ford Motor Credit my account number is XXXX I have always made on time payments since XX/XX/XXXX. I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late in XX/XX/XXXX I am not sure how this happened. I believe I made my payments to you on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Incorrect information on your report — Information belongs to someone else
Company: SUNTRUST BANKS, INC.
State: GA

Complaint narrative:
my husband an I opened two checking accounts and a savings account with Suntrust Bank and I was told I could not have accounts with them and now they will NOT return our money!! This bank will not even give me a reason as to why, verbally or in writing ...

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: REGIONS FINANCIAL CORPORATION
State: GA

Complaint narrative:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that REGIONS BANK has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. 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 2019-10-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC
State: TX

Complaint narrative:
On XX/XX/2019, I began receiving debt collection calls from a company called Radius Global Solutions for credit card debt that is not mine. Per a conversation with the representative of Radius GlobaXXXX Solutions, the debt relates to a former employers credit card relationship with XXXX XXXX. Per Radius, there is a balance owed to XXXX XXXX. Upon hearing this, I reached out to XXXX XXXX, my former employer. On XX/XX/2019, the owner of XXXX XXXX sent me an email with an attached receipt showing payment to XXXX XXXX on XX/XX/2019. In the email, the owner of XXXX XXXX informed me that this payment to XXXX XXXX paid off the balance in full and that the account was closed upon making this final payment. Unfortunately, I still have been receiving numerous calls daily from Radius Global Solutions regarding an outstanding balance even though it appears the debt has been paid in full. Furthermore, and most importantly, I have not been employed by XXXX XXXX for over 6 months as of this complaint and have made no charges under an XXXX XXXX credit card since leaving the Company. I am asking that the harassing daily calls from Radius Global Solutions cease. I am not a party to any debt incurred by XXXX XXXX and should not be receiving calls from a debt collector for debt that is not mine. I am asking that these calls cease.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-28 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
I'm XXXX and have had many home loans in my life. I have paid all of them off per the terms of my loans. I have one left, and that is my home equity loan with USAA who was servicing it in-house until recently when the transferred it to a disreputable company known as XXXX ( XXXX XXXX XXXX ). This company has been sued numerous times including by 3 states. 

I called USAA and asked them to audit my account because of the improprieties I was seeing with the balances. It appears that XXXX has begun calculating my interest daily which is not consistent with the terms of my loan. My loan is a 365/365 loan with interest of 6.34 %. They should be using the EXACT DAYS method of interest calculation, instead of DAILY interest. 

I have never taken out a loan that did not follow a standard amortization schedule of declining interest payments and increasing principal payments. I have requested the amortization schedule they are using, but have received nothing. 

Could you please assist me in getting resolution of this issue? I am very uncomfortable with the company USAA has chosen and not sure what is happening to the company with which I have placed 40 years of trust. Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation