vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: MONEY SOURCE, INC., THE
State: TN

Complaint narrative:
On XX/XX/XXXX I made a {XXXX  principal payment to The Money Source, Inc ( TMS, loan service provider for conforming mortgage from XXXX XXXX to pay down my mortgage principal to less than 80 % of the original valuation at loan closing ( XX/XX/XXXX XXXX. I have made all of my payments on time. Recent refi appraisal is valid for 120 days from XX/XX/XXXX, so I do not think the property has declined in value. 

On XX/XX/XXXX, I mailed a letter requesting PMI be cancelled via XXXX. On XX/XX/XXXX, I called to request that PMI be removed. When I spoke with their representative, they agreed that the principal had been paid down below 80 %. However, they said that I needed 2 years of payment history to cancel PMI. For this reason, they did not approve my request. I expressed my concerns to them on the phone and also by email to the address they provided XXXX XX/XX/XXXX XXXX. 

From reviewing your website and calling your call center, I believe I am only required to not have late payments in the past two years ( I have made all payments ). It my understanding they must honor this request and not require a " seasoning period '' as they are requesting. 

Per your website ( https : //www.consumerfinance.gov/ask-cfpb/when-can-i-remove-private-mortgage-insurance-pmi-from-my-loan-en-202/ ), " Other things to keep in mind about the Homeowners Protection Act Loan investors, including XXXX XXXX  and XXXX XXXX XXXX often create their own PMI cancellation guidelines that may include PMI cancellation provisions beyond what the HPA provides. But these guidelines can not restrict the rights that the HPA provides to borrowers. For example, the HPA does not contain any requirements for a loans tenure before a borrower may request cancellation or be eligible for automatic PMI termination ( known as a seasoning requirement ). '' Assuming you agree, I am asking the CFPB to direct TMS to cancel my PMI. 

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-10 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: GA

Complaint narrative:
Reporting to my consumer report as opened XX/XX/2016 in the amount of XXXX  ; XXXX}. I notified the bureau that these accounts are unauthorized.

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 2021-06-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: TD BANK US HOLDING COMPANY
State: VA

Complaint narrative:
I opened up a XXXX checking account to take advantage of a XXXX account opening bonus. I opened it on XX/XX/XXXX, fulfilled all the requirements by setting up direct deposit on XX/XX/XXXX and had cumulative direct deposits of over XXXX within 60 days of account opening. 

They only disclosed that : The offer is available to new personal checking customers who do not have an existing or prior personal checking account at TD Bank within the preceding 12 months, open their account online via this web page and complete the required qualifying criteria. 

I had a previous checking account but had closed it in XX/XX/XXXX ( over 12 months prior to opening up this one ). 

The bonus was never applied. When I called to inquire, TD informed me that the offer was only good if you had NEVER had a checking account with them prior. This was never disclosed in any of the promotion or opening documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: U.S. Collections West, Inc.
State: AZ

Complaint narrative:
Account Name : XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$110.00} Reason : Identity theft Please remove this from my credit report. 


Account Name : XXXX XXXX  XXXX IN Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$130.00} Reason : Identity theft Please remove this from my credit report. 


Account Name : XXXX XXXX  XXXX IN Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Reason : Identity theft Please remove this from my credit report.

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 2021-06-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
Apple Card was used and made payments on that were reversed after my phone was stolen in XXXX XXXX in XXXX. My balance is XXXX $ and I never once used the card or made payments

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-10 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SCA Collections, Inc.
State: SC

Complaint narrative:
XXXX has posted false information on my credit report TWICE, The first time was a {$200.00} bill from XXXX XXXX, I proved to them that the VA had paid the bill and they Apologized after causing my XXXX Fico score to drop to XXXX. 
Now they have SIX past due bills from XXXX XXXX XXXX XXXX XXXX XXXX XXXX They had 180days to process these claims with the VA but never followed thru? THEY ARE TOTALY INCOMPETENT! I have a VA letter stating they never filed in the required 180 days required. 
They have now destroyed XXXX XXXX credit score of XXXX to XXXX that took 50 years to establish! 
I'm a XXXX year old XXXX XXXX, with a XXXX XXXX Condition. 
These people are VERY SAD!

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 2021-06-10 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: GA

Complaint narrative:
I recently filed a report with XXXX XXXX and Equifax of inaccurate items being reported on my credit reports. Failure to delete items that were disputed as debts which resulted from identity theft is a violation of The Federal Fair Credit Reporting. I never received notification of these debts on my credit reports. This is a defamation of character and misrepresentation of my true credit worthiness. I recently applied for a loan and was denied due to inaccurate information being report on my credit reports. I am exercising my right as a consumer who is a victim of identity theft. I ask that these accounts be deleted within 15 days of these receipt otherwise I will be forced to file a litigation explicitly stating your companys negligence to abide by the Fair Credit Reporting Act and Fair Debt Collection Practices Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-10 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: Colony Brands, Inc.
State: DE

Complaint narrative:
Hello, Im having discrepancies with XXXX and the creditor Seventh Avenue and I reached out to XXXX by mail due to the fact that there the only credit bureau agency that doesnt have live representative that consumers can speak with, I havent heard any feedback from Experian about my credit report ever since XX/XX/XXXX. I spoke with multiple of live agents multiple times at XXXX all Im being told is lies majorly of the representatives from XXXX doesnt even want to give consumers there name. XXXX went into my credit score constantly changing my score to high to low, over a company called Seventh Avenue that was paid off, I was told by one of there customer service representative that it would be removed from my credit report, Seventh Avenue is reporting it to the credit bureaus as a paid charge off. Seventh Avenue owed XXXX XXXX, I had both of them at the same time before going to a horrible divorce loosing everything, my children I was homeless sleeping inside of the car, I had a few hardships the past couple of years, I paid off XXXX XXXX and I fell a little behind in my XXXX XXXX and got delinquent. Im out of work for getting injured on my job, and still find a way to pay them off, and Seventh Avenue still want remove this account off my credit after being told they would very XXXX people to there cord, its people out here in this world wouldnt care at all and not come back two years to pay there account off, I could of waited to it dropped off my account in XXXX. I need XXXX to stop taking points off my credit score for a creditor I paid off, I have evidence that Im sending over

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-10 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: DISCOVER BANK
State: NJ

Complaint narrative:
These accounts don't belong to me. Please remove them form 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 XXXX Account XXXX : XXXX This is not mine. 

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

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

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-10 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: North State Acceptance, LLC
State: NC

Complaint narrative:
I fell behind on my car payment which in my paper work states my payments are due on the 14th. I lost my original job because of Covid and I have being playing catch up on bills because Covid is limiting jobs. My creditor repossessed my vehicle after 30 days and are abusing my credit. They show up to my job and curse at me because of being behind for only 30 days. Which is my first time in the tenure of having the vehicle. I can barely keep my phone on let alone eat on a daily basis by kicking out this kind of money and still get repossessed

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EOS Holdings, Inc.
State: MA

Complaint narrative:
Hi, Im confused and XXXX and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LoanCare, LLC
State: TX

Complaint narrative:
Hello I am sending this complaint because we have had the worst experience with this company. Based on my research this company has a 1.4 review score online. Everyone is complaining about the same issue. Not being able to get the proper customer service when needed. There also seems to be a high turn over within the company. I spent up to 4 hours today trying to reach a representative to get help with my loan to only be transferred around through their automated system. Even the website is so vague you can barely get information. The email address is also blocked. The company that I am sending this complaint against is LoanCare Mortgage Company. I do not understand how this company has not been investigated yet and how a company that has so many complaints and a 1.4 review is still in business. We were in Forbearance from XX/XX/2020 to XX/XX/2020 and this company does not seem to have all of there documentation to show when our forbearance started and ended. We were told that our forbearance was from XXXX to XXXX but that is not accurate. So we are trying to resolve this by asking for the original forbearance agreement that we never received but we can not reach anyone in forbearance. This department does not seem to exist, instead you just get a never ending automated system. The Refinance Reps will tell you they will transfer you to a Forbearance Representative but you never get to speak to a human only an automated system that gets you no where.

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 2021-06-10 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Aargon Agency, Inc.
State: VA

Complaint narrative:
I have been getting phone calls from a company claiming to be aargon collection agency using my fathers name. They keep harassing my phone number and call from different lines in Kentucky. When I call the number back they do not identify themselves nor want to provide contact information. They are very rude aggressive and unprofessional, I went on their website to submit an inquiry and they respond back without a signature line. When I asked for their information they mention that under federal regulations they are not allowed to provide that information. When I submitted an inquiry they mentioned MS . MALE NAME - they want to speak with a SHE but reference a male name which makes no sense.

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 2021-06-10 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: TD BANK US HOLDING COMPANY
State: NH

Complaint narrative:
XXXX - TD Bank - XX/XX/XXXX - present. I am having an ongoing problem with this companies online payment system. I submit a payment online successfully, only to find out later that they rejected my payment, I was never notified on this change. ( I have adequate funds to make this payment ), and they charge me an extra {$34.00} ( check assessment charge ). I have tried to call them ( their is no person to talk to via their customer service line. I have tried to email them and haven't received any response back or phone call., This has been the worst online payment experience I have ever had and regret signing up with XXXX to to purchase their products. I a senior citizen and a XXXX XXXX XXXX. I am very concerned that this ongoing issue is affecting my person. credit. Request immediate resolution to this problem. I have worked hard to be a good customer and make my payments and have received terrible customer service from this company. ( TD Bank handles the product financing and billing for XXXX )

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-06-10 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: SC

Complaint narrative:
XXXX  XXXX is currently reporting the account thats reporting to my credit report in violation. On XX/XX/XXXX I notified the credit bureau 's that the date of last activity is reporting inaccurately it reports : XX/XX/XXXX ( XXXX  XXXX, XX/XX/XXXX XXXX XXXX  XXXX, and XX/XX/XXXX ( Equifax ). I then directly contacted the furnisher on XX/XX/XXXX to let them know about the inaccurate date of last activity which they did not delete or correct the information. On XX/XX/XXXX I then notified the credit bureau 's that the date of last payment is reporting inaccurately it ' reporting : XX/XX/XXXX XXXX XXXX  XXXX, XX/XX/XXXX XXXX XXXX  XXXX, and XX/XX/XXXX ( Equifax ). I also notified the furnisher directly on XX/XX/XXXX of the inaccuracy that remains on my report inaccurately reporting. I also filed a XXXX  complaint on XX/XX/XXXX which still remains unanswered. Last but not least the account is reporting conflicting activity after the account has closed how can I be paid on time and charged off at the same time? Clearly this account is reporting inaccurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-10 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I sent a letter regarding unauthorize inquiries on my credit report to this company over 45 days later I have not received a response as of yet. I feel as if I am being taken advantage of and being ignored regarding my disputes. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my report. It has been over 45 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file litigation due to the stress I am being emotionally.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-10 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: BAM Management US Holdings Inc.
State: MD

Complaint narrative:
This is a XXXX involving stolen identity and financial theft - amount not fully determined yet because we can not get a response from Binance about whether my funds were stolen. Binance has been incredibly unresponsive. Details/chronological summary 1. XXXX XXXX card theft- on XX/XX/2021, about XXXX, XXXX  assisted a hacker to take control of my XXXX card and disable my phone. The hacker then proceeded to make password changes on my email and several of my XXXX currency accounts, including Binance I attempted to use my phone but was frozen out because of the XXXX  swap. I borrowed my parent 's phone and contacted XXXX to get back control of phone. We suspect possible inside job at XXXX since I was later told that their internal notes said it was unauthorized user who called in the change of my XXXX card. We have tried numerous times, but have been completely unsuccessful trying to get hold of XXXX 's fraud department and they have not pursued any investigation to my knowledge. 2. Binance- I have tried everything to follow up and resolve the issue with Binance . I have attempted to do everything they said in their robot responses to no avail. After almost three months of filing support tickets and requests to find out whether the funds in my account have been stolen, I still have not received a response. Binance support tickets continuosly say they have blocked the account, without telling me if there are any funds remaining. I have no clarity from XXXX that my approximately {$90000.00} of investment in XXXX is still there, nor do I have any reason to believe the account is secured or frozen. 3. On XX/XX/XXXX, I called in a police report immediately after the attack but have not been able to get a copy of the police report online. 4. XXXX On XX/XX/2021, I submitted a fraud claim to the FBI XXXX XXXX unit.

Company response to consumer: Closed with explanation