vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-08-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Mountain Land Collections, Inc.
State: UT

Complaint narrative:
I filed Chapter XXXX Bankruptcy in XXXX, I just received my discharge on XX/XX/XXXX. Mountain Land Collections obtained a default judgment on XX/XX/XXXX, which was included in my bankruptcy. As of today, XX/XX/XXXX, the judgment is still showing an open active balance. I've contacted Mountain Land Collections to request they update the status to report " discharged with bankruptcy '' or similar text, only to be told, " The judgment doesn't just go away just because my bankruptcy was discharged. '' " The judgment will remain as is for eight years. '' I asked what the status of the account was in their system. They said it is currently in " bankruptcy '' status. I asked what that meant. They said, it's not actively being collected on. I asked if they could send me a letter verifying that information. I was told, " that is not something that they provide. '' XXXX told me, the only way that they would send any update or notice is if I paid the judgment in full.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-28 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: MARINER FINANCE, LLC
State: MD

Complaint narrative:
I was sent a preapproved offer and check via mail and negotiated the check and signed up for auto pay. The terms of the loan were on the back of the check interest rate etc. but never said payment amount, so after enrolling in auto pay they took XXXX per month which I assumed was the payment. It wasn't until recently I looked at my credit report and saw that I only owed {$88.00} and was excited and budgeted for that final auto withdraw when they actually took {$91.00} I called to ask why? They said it was a telephone convenience fee. I said I was in auto pay I did't pay by phone. They said oh its because you paid on the computer I repeated it was auto pay and there should be no fee, they put me on hold for a long time and said oh that was the monthly payment fee and I said provide me with documentation stating you were authorizzed or it was part of the terms to take an additional fee, they put me on hold for over 20 minutes and the call disconnected. I called back, the person was not available, I left a message. He called back but I missed it, I called back and he said it was a mistake and they had been charging me a monthly fee for the life of the loan and would refund it. 

I did get the refund check which is incorrect in its amount does not include interest and should they pay me a penalty and how many other unsuspecting people have they ripped off who were unaware. 

i would like an audit of their accounts. I have attached a copy of the check they cut me showing they admit to overcharging and I can forward a copy tomorrow of the original check with the total terms of the agreement which did not include a surcharge. I hope an audit is done of their practices. Additionally i didn ; t think you are allowed to charge 33 % and I think it is irresponsible to target low income people with instant money with such high interest rates i have also found tons of complaints from others on line of their practices. 

I hope you will randomly audit their customers to see how many others have been violated and should they not owe me money for each unethical unauthorized charge to my personal checking account as well as an accurate repayment of fees and interest.

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 2019-08-28 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: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
Fraudulent accounts opened in my name.

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 2019-08-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
It has come to my attention that Bank of America ( B of A ) failed to remove property mortgage insurance ( PMI ) from my FHA loan once I reached the required 78 % loan to value ( LTV ) ratio. As a result, I would like to request reimbursement for all PMI payments in excess of the 78 % LTV once the lender was required to automatically remove the additional fee. 

My loan has since been transferred to XXXX XXXX XXXX ( XXXX ) as of XX/XX/2018 whom bought this matter to my attention. My principal balance was {$150000.00} when it was transferred to XXXX. And, based on my purchase price of {$200000.00}, my LTV was at 78 % wjhen my principal balance reached about {$160000.00}. Therefore, it is necessary for B of A to conduct an analysis of my old mortgage account and reimbursement me for all PMI payments made after my loan reached 78 % LTV

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 2019-08-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SUNTRUST BANKS, INC.
State: CO

Complaint narrative:
I currently have a conventional 30-year fixed mortgage through SunTrust Mortgage. NMLS # XXXX On XX/XX/XXXX, I received an email notification from SunTrust " congratulating '' me on my brand new checking account - separate from my mortgage. Alarmed, I immediately contacted SunTrust to notify them that I did not open a new account and that this was clearly identity theft. The Identity Thief changed my login credentials and so I was unable to " take back '' my account! After an hour and dealing with four different customer service reps in mortgage and their checking department, I was told to call back tomorrow and told that they could do nothing for me. I proceeded to call the next morning and spoke with a few more customer service reps including who was believed to be an important manager. The manager confirmed that my account safe and protected, to the best of her knowledge. I asked if we could somehow add an alert to protect my information, or perhaps change the loan number to prevent this from happening again. They told me that this was impossible unless I wanted to complete a refinance. I asked if this could happen again and the response was, " sir, we're doing whatever we can, but who knows ''! 

6 days later, my account was hacked again. We expressed to SunTrust once again that our information was compromised and we wanted it to be protected. We demanded that they protect our personal information. They were short with us on the phone, wouldn't answer any questions, and essentially told us that they could do an investigation. There was no sense of urgency from SunTrust and they intentionally would NOT take any measures to protect my personal information. They wouldn't even tell us the email address of the hacker, who again, changed our account email address and phone number once again! 

My information is still exposed and after repeated calls to whomever would be willing to help, I have not gotten any response or help. We feel as though our rights are being violated and WE HAVE EVERY INTENTION ON PURSUING LEGAL ACTION to get this resolved. SunTrust has shown no competence or effort is protecting our stolen identity.

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 2019-08-28 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 have contacted Equifax with regards to a XXXX XXXX XXXX Credit Card with a balance of {$9100.00} that was supposedly opened on XX/XX/2018 that is reporting on my credit file that does not belong to me. This account is reporting either in error or as a result of identity theft. In either case, please assist me in getting this account removed from my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-28 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I sent in a letter to XXXX XXXX XXXX XXXX aka XXXX  XXXX XXXX XXXX Date Opened XX/XX/2017 Balance Date Past Reported Due Status PAYS AS AGREED Credit Limit {$250.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX XXXX 1XX/XX/2017 Balance Date Past Reported Due {$900.00} I sent a letter to XXXX XXXX XXXX XXXX XXXX in XX/XX/XXXX and I have not received a response back. I tried calling and was told to go into a location. I advised them that I never lived in Nevada and could not come to the location. I filed a report with Equifax which as resulted they stated the account was remove but when I checked my Equifax report it is still showing. I was a victim of identity theft and my identification and ssn card was stolen and had to be replaced. I need this investigated immediately and removed from the crefit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: TX

Complaint narrative:
I have a mortgage loan through XXXX bank. My loan was for more than 80 % of the value of the house, therfore requiring me to Escrow with XXXX. In XXXX of XXXX, they ran an escrow analysis on my accounts and according to my analysis I owed {$2200.00} per month to cover my loan, interest, taxes, etc ... 

I recieved a call from a debt collector from XXXX on XX/XX/XXXX indicating that my XXXX first payment was past due and was wanting to make collection at that time. I thought this was a mistake because my mortgage payment is set to auto draft from my bank at the begining of each month. I have never been late on a payment in my life. 

According to XXXX bank, my escrow was re-run in XXXX of XXXX and they found that my balance was roughly {$14000.00} short. This caused my monthly Mortgage payment to go from {$2200.00} a month to {$4100.00} a month. OVERNIGHT! 

The reason for the error is that when they calculated my escrow in XXXX, they FAILED to include my hazard insurance for the year, they miscalculated my taxes for the upcoming year, and they issued me a check in XXXX telling me that i had overpaid the previous year and that the extra money was mine to spend how i wanted .... 

When they re-ran my escrow analysis ONE YEAR later, they realized their mistake and doubled my mortgage over night. 

my options are to come up with {$14000.00} cash before XX/XX/XXXX or have my monthly note go from {$2200.00} a month to {$4100.00} a month.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: ZIONS BANCORPORATION
State: TX

Complaint narrative:
Amegy has repeatedly charged me for a late charge even though I have paid my mortgage on time. The could only find one receipt. ( This has happened twice. ) This particular one shows I paid my mortgage at Amegy Bank on the XXXX of XX/XX/XXXX and on the XXXX was assessed a late fee anyway. I did try to resolve this to no avail. 

Furthermore, I have been recently unemployed and had not been making my payments within the grace period. But what has made matters worse, on XX/XX/XXXX they charge me a {$5.00} fee for paying my mortgage over the phone on with the Customer Service Representative, Ms. XXXX. I told her I could pay it online to avoid the {$5.00} fee as I am counting pennies at the moment. She said I could not as two months are due and would have to pay two months if paid online.

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 2019-08-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT

Complaint narrative:
I filed Chapter XXXX Bankruptcy in XXXX, I just received my discharge on XX/XX/XXXX. XXXX XXXX XXXX obtained a default judgment on XX/XX/XXXX, which was included in my bankruptcy. As of today, XX/XX/XXXX, the judgment is still showing an open active balance. I've contacted XXXX XXXX XXXX to request they update the status to report " discharged with bankruptcy '' or similar text, only to be told, " The judgment doesn't just go away just because my bankruptcy was discharged. '' " The judgment will remain as is for eight years. '' I asked what the status of the account was in their system. They said it is currently in " bankruptcy '' status. I asked what that meant. They said, it's not actively being collected on. I asked if they could send me a letter verifying that information. I was told, " that is not something that they provide. '' XXXX told me, the only way that they would send any update or notice is if I paid the judgment in full.

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 2019-08-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: UT

Complaint narrative:
I filed Chapter XXXX Bankruptcy in XXXX, I just received my discharge on XX/XX/XXXX. XXXX XXXX XXXX obtained a default judgment on XX/XX/XXXX, which was included in my bankruptcy. As of today, XX/XX/XXXX, the judgment is still showing an open active balance. I've contacted XXXX XXXX XXXX  to request they update the status to report " discharged with bankruptcy '' or similar text, only to be told, " The judgment doesn't just go away just because my bankruptcy was discharged. '' " The judgment will remain as is for eight years. '' I asked what the status of the account was in their system. They said it is currently in " bankruptcy '' status. I asked what that meant. They said, it's not actively being collected on. I asked if they could send me a letter verifying that information. I was told, " that is not something that they provide. '' XXXX told me, the only way that they would send any update or notice is if I paid the judgment in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-28 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: NY

Complaint narrative:
That account which I listed on Identity Theft is not belong to me. I have never had a business with that bank. I never opened that account and did not give any documents and did not put my signature. Please remove this account from my credit report as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-28 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: FL

Complaint narrative:
XXXX XXXX XXXX WANT ME TO PAY FOR {$3500.00}. I HAVE PROOF THAT THIS AMOUNT IS WRONG AND THEY ADD ILLEGAL CHARGES. BASE ON EVIDENCE SENT TO ME BY SPRINGLEAF. ON XX/XX/2013 I MAKE MY LAST PAYMENT OF {$390.00} AND MY BALANCE AS XX/XX/2013 WAS {$2500.00}. SEE EVIDENCE ATTACH. THE LOAN CONTRACT STATE THAT IN CASE OF LATE PAYMENT ( AFTER 10 DAYS ) A {$10.00} WILL BE CHARGE. PLEASE SEE EVIDENCE ATTACH. IF I MISS 6 PAYMENT BEFORE CHARGE OFF THE AMOUNT CHARGE SHOULD BE {$60.00} ( {$10.00} + $ XXXX $ XXXX $ XXXX $ XXXX $ XXXX {$60.00} PLUS {$40.00} PAID TO A LAWYER BASE ON THE EVIDENCE THEY SEND TO ME THAT COMES TO A TOTAL OF {$100.00}. NOW {$2500.00} + {$100.00} = {$2600.00} NOT XXXX. IF XXXX XXXX XXXX AND SPRINGLEAF HAVE ANY OTHER PROOF TO ADD THE OTHER CHARGES UNDER THE CONTRACT PLEASE I NEED TO KNOW IN CASE I HAVE TO SEEK LEGAL ADVICE.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Hunt & Henriques
State: CA

Complaint narrative:
Tired of the harassment and emotional abuse I have repeatedly tried to fix this and have filed numerous complaints with CFPB and they are still harassing me. The statue of limitations is done did over with it is 4 years in the state of California.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-28 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: TX

Complaint narrative:
Equifax and XXXX XXXX are reporting a collection with an incorrect balance of {$9000.00}. The high credit, balance and past due amount are all incorrect. I bought a car from XXXX and voluntarily turned this car in and it was sold at auction. I was told that I would be responsible for the remaining amount AFTER the auction price was deducted. XXXX XXXX XXXX now owns this debt and they will not give me an itemized statement showing what the balance should be. In addition, the date of last activity is far older than the 2014 date. This {$9000.00} collection is harming my score and keeping me from improving my credit. Please remove this from my report or update the correct balance. In Texas the laws are : Deficiencies In the event a car owner voluntarily returns the car to the lender, the lender is still entitled to file a lawsuit to collect any deficiencies that may result from the repossession. A deficiency is the difference between the amount the car owner owes on the car and the total amount the car actually sells for at auction. Lenders who sue car owner 's for a deficient balance after a voluntary repossession may also collect other fees associated with the repossession of the vehicle such as sale preparation costs and legal fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: CT

Complaint narrative:
On XX/XX/XXXX, I got a voicemail on my home phone from someone representing the Department of Education stating I qualify for a better repayment plan. On XX/XX/XXXX I contacted the phone XXXX. I spoke to a woman who said there is a push from the department of education and lawmakers on the student debt crisis. She spoke very good English and I could hear other conversations in the background about student loans/rates etc. She said I was overpaying from XXXX and said by the end of the loan term after paying it off, i'd pay over XXXX almost double what my loan amount was originally. She told me I would only pay a total of XXXX. She said there will be a larger payment over the course of four months of {$260.00} and then it would drop to approx. {$80.00} pending final loan amount. At no point did she say there were fees or what that XXXX would be used for and towards. She also said I qualified for forgiveness of the loan after 10 years, which is not true because I don't work for a non profit or govt agency. XX/XX/XXXX is when another payment of XXXX is to come out. 

On XX/XX/XXXX, I received my first mailing. It said at the end of my term, it would be over {$80000.00} paid WAY more than XXXX and Far more than the XXXX. XXXX was not even XXXX according to my last statement. 

On XX/XX/XXXX, I received a courtesy call from XXXX asking me if I was aware someone was accessing my XXXX account and FAFSA information. My email had been changed to XXXX which is not correct. The auto debits were stopped all through XXXX. 

There was a lot of misleading information especially about the final payoff, if it's a government loan whether it's XXXX, XXXX or Fed loan directly everybody should have the same payoff amount. No fees should be accepted. 

at :XXXX XX/XX/XXXX, according the letter rec 'd on XX/XX/XXXX I can cancel within 10 business days of the dated letter XX/XX/XXXX. I went ahead and I canceled the loan consolidation process. I have also been in contact with XXXX to keep the loans with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
That account which I listed on Identity Theft is not belong to me. I have never had a business with that bank. I never opened that account and did not give any documents and did not put my signature. Please remove this account from my credit report as soon as possible.

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 2019-08-28 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: Exeter Finance, LLC.
State: FL

Complaint narrative:
I did not give your company permission to run my credit nor do you have any permissible purpose to run my credit. If you can not provide any signed documents of me giving authorization to perform this act please remove ALL inquiries from all credit bureaus youre reporting on my credit report immediately! Since it is against the FCRA, 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] for an entity to view a consumers credit report without a permissible purpose. I am writing to inquire as to your alleged purpose for doing so since I did not apply for anything with your company. Theres no accounts tied to these inquiries on my credit profile.

Company response to consumer: Closed with explanation